| 03/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, P. O. Box XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, P. O. Box XXXX, XXXX, GA XXXX XXXX XXXX XXXX, P. O. Box XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : FIFTH THIRD BANK XXXX XXXX XXXX XXXX MD XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX. XXXX, NJ XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX PO Box XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX PO Box XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act XXXXublic Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. (
b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with LexisNexis, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as LexisNexis is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency.
) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( D.D.C. XXXX XXXX XXXX XXXX plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : XXXX. The XXXXrivacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 12/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Date : XX/XX/2021 To : 5/3rd Bank Office of the President XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ohio XXXX XXXX : XXXX XXXX XXXX XXXX Permissions granted I give ( CFPB ) full autonomy to forward a redacted copy ( minus all proper names ) of this redacted letter and redacted case on file to any all claimants that would be assessing damages, or prosecuting criminals against or at 5/3rd bank respectively.
On this note, if at any time within the next statutory 7-year period, a claimant or regulating body could find this testimony, relevant or useful to establish a pattern of intentionally unaddressed security issues, of any kind, at 5/3rd Bank, then I will be happy to testify on their behalf and without compensation.
My objective with this complaint It is objective to bring to the proper authorities within the Consumer Financial Protection Bureau a complete narrative of my experience with 5/3rd bank. I will try to capture the entire experience here in this comprehensive narrative so that any additional violations that I may fail to address can be revealed to investigators who could take corrective action. It is my feeling that there is a host of backend server and security related non-compliancy issues stemming from 5/3rd banks corporate oversight and management.
Where there is smoke..
I can only relay the events as they occurred and happened to me so as to help those people within the federal government who might recognize a dangerous pattern of non-compliance that could jeopardize account security and access of funds of all of 5/3rds trusting customers and not just myself.
This final narrative of events regarding compromised internal security measures that ultimately allowed actions to be conducted on my ATM debit card and my associated checking account that are inconsistent with financial account security protocols set f orth by federal regulations. There is evidence of cross-departmental involvement that stems from the sheer absence of automatic alerts and notifications that should have arrived to me in some way, from those various departments upon my cards deactivation, but did not.
Section 47-4-402 of the Uniform Commercial Per section 47-4-402 of the Tennessee adoption of the federal Uniform Commercial Code, language has originally been intended for valid written physical paper checks that have been mistakenly or willfully dishonored by financial institutions that should have paid funds on those cashed checks but instead denied paying funds that were readily available.
Relevant parts of this section that could easily bed subject to reinterpretation go as follows : 47-4-402 ( a ) Except as otherwise provided in this chapter, a payor bank wrongfully dishonors an item if it dishonors an item that is properly payable, but a bank may dishonor an item that would create an overdraft unless it has agreed to pay the overdraft.
( b ) A payor bank is liable to its customer for damages proximately caused by the wrongful dishonor of an item. Liability is limited to actual damages proved and may include damages for an arrest or prosecution of the customer or other consequential damages. Whether any consequential damages are proximately caused by the wrongful dishonor is a question of fact to be determined in each case.
Relevant case law XXXX XXXX XXXXXXXX My experience with 5/3rd bank ( chronologically ) : Supporting arguments for grounds for federally required independent Information Technology Compliance Audit at 5/3rd bank .
i. Experienced chronic password username retrieval issues with the mobile application Apparently 5/3 had been having a chronic, ongoing, malfunctioning, backend server problem with its User Id retrieval and password reset process. I experienced this issue from the start of my account.
When trying to retrieve my user Id, this malfunctioning backend system software would inform me that it had successfully found my user ID, after filling out a lengthy form, and that I just needed to log in with that user Id, that I dont have yet, to retrieve it. This ridiculous backend system error never was corrected.
After 3 attempts to retrieve the User Id Wednesday night on my phone, it then either silently frozen the checking account, or locked the card and froze the account from any and all subsequent usability. Nevertheless, no notice was ever sent to me when it did this. In fact, I would find out the hard way, at midnight on the following Wednesday night ( XX/XX/2021 ) when I was stranded at a XXXX XXXX rental lot while trying to load my locked 5/3rd bank ATM card into the XXXX and XXXX apps to get a ride home, but could not.
ii. Experienced serious backend meta data Zip Code issues 5/3rd bank also maybe has backend meta data inconsistencies associated with its account holders profile data and associated ATM cards. As I kept trying to get an XXXX and XXXX ride home from the XXXXXXXX XXXX XXXX dealership, Wednesday night at XXXX, about 5 weeks ago, both XXXX and XXXX XXXX were unable to load my 5/3rd card due to inability to accept my zip code of XXXX that has been on file with my account since opening around XXXX.
iii. Experience lack of customer support in a situation that 5/3rd bank deliberately caused There was no reliable night or weekend phone support at all to call and resolve this. Could not reach any support the night that my card became locked.
The following 1, 2 and 3 events by themselves do not constitute malfeasance or even cause for inquiry, they simply run off customers. Coupled with next mentioned events though they are beginnings of an in-series blockchain of evidence that validates a burden of proof of corporate-wide, non-compliance with federal safety regulations pertaining financial security measures that all financial institutions must have in place, and continuously comply with..
[ Event 1 ] : Was never contacted before or after the initial card lock My card is locked sometime late Wednesday night or early Thursday morning with no notice given ( XX/XX/2021 ). 5/3rd also fails to communicate to the affected ( me in this case ) of this automated locking action and leaves me stranded and unable to access direly needed funds to get home. In my case, I was at a XXXXXXXX XXXX XXXX dealership at midnight with no way to pay for a XXXX or XXXX driver. I could not load either a frozen card or a card whose zip code has been miscoded on 5/3rd bank 's poorly maintained backend user account systems.
So by no fault of my own, at this point, I have a no-notice lock placed on my card due to either : A ) The atm card being rendered unusable because of internal backend server issues that 5/3rd bank has created with my zip code, or..
B ) rendered unusable because 5/3rd bank has locked me out due to all the attempts to access my account and retrieve my User Id with 5/3rd bank 's broken user-id and pw retrieval system or..
C ) a combination of Both A ) and B ) at the same time because of 5/3rds general big- bloated-bank culture of visibly observable lax-ness everywhere throughout the entire customer experience.
[ Event 2 ] : Branch manager disconnects our phone call deliberately leaving my locked debit card in locke
d status after previously unlocking my online account, retrieving the username, and discussing the issue of not being contacted prior to, during, or after the lock ( XX/XX/XXXX ) The following day ( Friday ), I called into the XXXX XXXX XXXX XXXX XXXX Tennessee branch to have a discussion with branch manager XXXX XXXX about being locked out of my account online and about the ATM card that would not work at the XXXX dealership XXXX which I could only concur at that time were one and the same. We finally unlock the account and retrieved my username that the broken username retrieval process in the 5/3rd application could not do. Then after finally logging back in to see my funds, we then began to discuss the inconvenience that the locked ATM card had caused me. Branch manager XXXX, tells me that 3 illegal attempts that had caused the lock. He then tells me he doesn't know why I was not contacted when my card was locked and doesn't have a means for me to talk to any individuals anywhere at the bank to ascertain what specifically prompted the hold on the card, and most importantly why I was never notified when the hold was placed.
Recapping branch manager XXXX XXXX then hangs up the phone abruptly. His disconnection happens after we have : A ) just unlocked my online account and finally retrieved the user Id that the password retrieval process was unable to do.
And.
B ) Then had a 10-minute discussion about the locked ATM card, wherein I have pleaded with him tell me why I can not be at least transferred to someone to give me more insight as to what specifically prompted the lock on my card.
At this point, Im under the impression, that because we have finally that he has at least gone ahead and unlocked the ATM card as well, but he has deliberately not.
I HAVE NO REASON TO BELIEVE THAT MY CARD IS STILL IN A LOCKED STATUS.
I DO HAVE EVERY REASON TO BELIEVE THE CARD IS UNLOCKED BECAUSE a. WE RETRIEVED A USERNAME, b. UNLOCKED MY ONLINE ACCOUNT, c. JUST TALKED ABOUT DISCUSSING GETTING TO SOMEONE INTERNALLY at 5/3rd TO FIND OUT WHY I WAS NOT NOTIFIED ABOUT IT FOR 10 MINUTES.
And it is at this point, after discussing this on the phone for 10 minutes, that he chooses to just disconnect the call. Branch manager XXXX XXXX never calls me back to inform me that I still need to unlock my card, nor does he fulfill his duties as Manager to unlock the card by : A ) either filling out ticket to initialize the process that would reach out to notify relevant parties to do so, if he can not unlock the card himself, Or..
B ) just unlock the card himself from his workstation while the screen on his computer is still indicating my cards locked status.
He rather disconnects the call, goes about his marry way as a counterproductive, problem causer, who is supposed to be resolving issues like these, but deliberately does not.
[ Event 3 ] : My card then is mysteriously deactivated on the Friday night of ( XX/XX/2021 ) after having discussed its locked status with XXXX branch manager XXXX XXXX earlier that day.
That night, I go out to celebrate my new job.
I had just recovered from a XXXX XXXX XXXX XXXX XXXX.
And just returned a rented moving truck and moved into an apartment in XXXX with almost no energy while still recovering.
Had then become stranded at a XXXX dealership when I returned the truck, and was unable to unlock the defective 5/3rd ATM card because by bank had no night time customer service to unlock the card.
B ) Had even called into the branch the next day though and seemingly resolved the issue, and thought that I did.
Was even disconnected during the phone call by that branch manager, but at least I was able to get back into my account and was now under the assumption that all the issues were resolved after discussing them with that branch manager for 10 minutes.
Then went to a restaurant with some family. Carrying now my seemingly unlocked ATM 5/3rd card, as an only means of payment for the dining experience. Ran up a sizable tab. Then as we are getting finished with dinner, the waiter comes back to tell me that he tried to run my card, but that it has been unfortunately " declined 3 times in a row ''. I have turn to my invited guests to pay for the entire dinner.
Next morning, I am at the XXXX XXXX XXXX branch, and I'm there 30 minutes early! I'm the first one in the building when door opens! My focus is to find out why my card is still in locked status, just after I have had a lengthy discussion with the branch manager, Mr. branch manager XXXX XXXX a day before. I decide not to talk to branch manager XXXX XXXX first, instead I want to gather intel on this continuing situation, so I go to another associate with some hopes of maybe also straightening all this out but only after I got a full explanation. And I am expecting to have a conversation about compensation for my inconvenience.
She now tells me that my card is not just locked, but that somehow it has now been deactivated.
It takes 20 minutes and multiple demands for me to speak to the general manager, who I was beginning to suspect was most likely responsible for this latest surprise. When I am finally invited into his office to get my answers he admits to me ( and others standing there ), that he actually did disconnect the phone the day before when we spoke about the locked card and did so knowing full well that my ATM debit card was still in a locked status.
He even admits and acknowledges that our discussion had been at that time about my dissatisfaction with : A ) my ATM card becoming locked and its associated inconvenience, B ) not being notified beforehand, or at least shortly thereafter when my ATM card was locked, C ) and also, with not being able to discuss with anyone other than him at 5/3rd about A ) and B ) from above as to why my ATM card was locked.
These are all admitted acknowledgements that I have brought to his attention the day before about my ATM card being locked and that I am bringing to his attention that I need fixed right then as we were speaking on the phone. I was trying to tell this Branch manager on the phone that I want to talk to a badged 5/3rd employee about this matter and not some outsourced 3rd party in a foreign country who just reads off a general, unspecific copy/pasted script, but I did not get the chance before being disconnected.
Keep in mind an ATM card deactivation is very different than the card being placed on locked status.
* An ATM card lock happens all the time with backend security automation, and they are usually but not always accompanied with automatic texts and calls notifying the affected ATM card holder ( which did not happen ), but they are ... NOT ... ATM card deactivation.
* An ATM card deactivation is entirely a different thing. Deactivations involve much separate set of protocols and s.o.p.s. and is never allowed to be automated by software in any banking institution per adopted federal and state guidelines. These guidelines pertain to required communication with the card holder prior too or just after a deactivation.
Now we have the 2 isolated events 1 and 3 that should not normally happen in succession and certainly not as a sequentially chained automation process [ Event 1 ] [ Event 2 ] [ Event 3 ].
These three events do not yet suggest strongly that something is amiss with backend security processes but are the precursor for general cause for concern for upcoming successive evidence exhibits.
[ Exhibit A ] : No alerts are ever dispatched to me my phone about my ATM debit cards deactivation.
I was never notified either for the lock that was placed on my ATM the 2 days prior too and most importantly after the cards deactivation. In fact, it was not until ( XX/XX/2021 ) inside the XXXX XXXX XXXX, when I found out was not only locked, but now deactivated.
[ Event 1 ] [ Event 2 ] [ Event 3 ] [ Exhibit A ] [ Exhibit A ] has its own autonomous processes. It generally is initialized with a call from a call center, or many times can often precede a manual deactivation [ Event 2 ] by the person who manually deactivates the card but make no mistake [ Exhibit A ] can never be deliberately skipped all together and an institution that skipped this process would be in violation of Federal guidelines if it was.
I was never notified, by any means, when the card went to deactivated status, [ Event 2 ], on Friday night ( XX/XX/2021 ). Those federally required automatic notifications, require all banking institutions to immediately contact the effected account holder by 2 of 3 means. The automated notification process that is normally triggered immediately by a card deactivation did not occur.
The mere absence of these mandatory alerts and notifications suggests some kind manual override has taken place by someone who would have had those executive privileges to do so. These three events together suggest possibly someone internal to 5/3rd backend security, most likely someone manually disabled those automatic alerts that would have informed me of my cards deactivated status. The system that automatically dispatches those notifications, if left alone, would have been sent immediately and automatically to my phone upon my cards deactivation, but were not.
[ Exhibit B ] : Evidence that the ATM card automatic re-issuance system was disabled.
This system should have dispatched a new card immediately and automatically as well upon my card deactivation but did not.
Now we have isolated events : [ Event 1 ] [ Event 2 ] [ Exhibit A ] [ Exhibit B ] Neither did this notification process contact me to confirm a correct mailing address, nor was I was never mailed a new card automatically by the backend automatic ATM debit card reissuance process.
So, whoever deactivated my ATM card [ Event 2 ] also went a step farther with disabling notifications and [ Exhibit A ] then went a step farther with [ Exhibit B ] manually disabling 5/3rd banks internal processes to reissue a new card. What these actor ( s ) dont realize is that this potentially jeopardized my life, and not just my inability to pay for something like a restaurant meal.
Banking institutions reserve the right to manually deactivate any clients ATM cards that they deem necessary, and as much, and as often as they deem necessaryas long as they meet one federally mandated requirement.
What banking institutions do not reserve a right to do, is deactivate a persons ATM card, and then also disable the means of notifying that affected cardholder about it as well. When this happens, then there is evidence of critical security violations ( not just one ) have occurred either at once or in tandem and are just cause for further inquiries be made by regulating authorities to assess the danger that these infractions may have to users. In many cases an automatically dialed person to person phone call is made prior too or in real time to the affected card holder before deactivation ever occurs if not a direct phone call from the G.M.
How did my 5/3rd ATM card get deactivated with no disclosure?
[ Exhibit C ] : XXXX XXXX branch manager XXXX XXXX manually issues a new card, the next day, on behalf of the disabled ATM card automatic re-issuance system mentioned above.
[ Exhibit C ] even occurs, the next day when I go into the XXXX XXXX branch and branch manager XXXX XXXX says, let me go ahead and send a card out to you now.
Now we have isolated events : [ Event 1 ] [ Event 2 ] [ Exhibit A ] [ Exhibit B ] [ Exhibit C ] This is significant because branch manager XXXX XXXX is now manually doing what should have already been done automatically by an autonomous process but did not.
All these events and exhibits suggests at a very minimum that 5/3rd bank has such lax internal security measures that it could allow in some manner a clients card to become locked, then deactivated and without notice. Is this repeatable on a massive scale?
Sleepy unconcerned District Manager on the phone.
When I brought all of this to a district managers attention a couple days later, who is over branch manager XXXX XXXX, he literally fell asleep on the phone, while I was talking to him. When he called me back generically apologizing for my overall bad experience ... he could not recall what I said in particular when I questioned him about the things I had been discussing when his phone went silent for 30 plus seconds.
Multiple disconnects by XXXX. supervisors who would not transfer to the presidents office.
Attempted to get the president office phone number to convey this whole experience for over 20 plus different calls amounting to 5 hours total of phone time and was disconnected by a supervisor each time. I had to wait to get to each one of those supervisors for over 25 minutes each time. Was finally able to hack my way in through a mortgage sales line phone number and talk to a XXXX salesperson, who was actually very helpful and even demonstrated concerned with my experience at 5/3rd.
Experienced the worst of all customer service when I spoke to XXXX with my second call back into the 5/3rds Presidents office.
Then after originally speaking to XXXX, who was also helpful, I spoke to another rep, XXXX, in what was supposed to be just a quick call back to the presidents office to just confirm a few questions about fees. XXXX appeared to be uninterested, callous, and deliberately unhelpful. I asked politely to be transferred back to XXXX, where I could pick up where I left off with XXXX and was told by XXXX that she will be taking over my case. Then XXXX with the same insincere, mono-tone told me that I would be also incurring additional fees to my 5/3rd account as well to the ones that I had already picked up from other severed auto-billing relationships due to the cards deactivation.
Accrued fees as a result of the unnecessary deactivation Fees accrued at my apartment complex where I tried to pay a bill and assessed a {$6.00} fee and then, and a fee with the city of XXXX XXXX XXXXt where my account assessed {$35.00}. Comes to a current total of XXXX. There may be more fees.
5/3rd Corporate Security Officer who calls me on the phone and tells me he is closing the account My account was closed by Corporate Security Officer who called me out of the blue and was not remotely concerned with hearing about any of the security concerns. He became interruptive on the call and then hung up the phone and closed the account.
Good questions that the CPFB could pose to 5/3rd bank might be..
1. How do locked cards pose less of a threat to the customer such that an additional security measure such as a deactivation need to be taken if it remains unaffected in locked status?
2. Were the usual alert notifications that would have notified the affected card holder manually, ( or willfully ) disabled somehow in some subtle, or not so subtle, way by 5/3rd employees with executive privileges to do so.
3. If a locked card was never supposed to go to deactivated status then how was it this one- time event?
Put another way..
If 5/3rds legal team just copies and paste an explanation as a response to the CFPB ( or.. some future civil or criminal prosecution team that will be using this narrative as supplemental evidence of a pattern of negligence due to non-compliance ), then how is there not a potential pattern hazardous reoccurring repeatable issues at least addressed here?
4. Have the concerns for account and card holder safety and notifications within the ATM card deactivation process brought forth in this complaint mostly fallen on deaf corporate ears? Or can they show proof of demonstrate measures taken to prevent no-notification deactivations from ever occurring to its customers again.
Sincerely,
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| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Fifth Third Bank consumer been entangled in a web of inaccuracies unfair lending practices, unauthorized account activities and charge off reporting by fifth third bank. Despite the consumer 's best efforts to solve discrepancies have persisted to provide consumer with buyers loan sale XXXX XXXX and or disclosure 4 years of lending, 4 x unknowing auto loan modifications increased term 71, 72, 75, 80 fifth third bank continued to report the auto loan as default on consumer file while consumer while during consumer request to investigate balance lead to unfair inaccurate 30 60 90 late credit file. balance and loan investigation, Resulted in unfair auto loan charge off. Consumer is desperate needing the status charge off revoked stopped removed disparately needs transportation. due to unfair practices related to unauthorized debit card or accounts unknowingly and fraudulent electronic transactions. initial payment XX/XX/XXXX initial payment of {$3500.00} made on XX/XX/XXXX reported as late reported balance of XXXX contradicts actual purchase of sales balance of {$32000.00} XX/XX/XXXX in accurate recorded to the credit bureaus has {$600.00} actual payment was {$600.00} late payment charges calculate errors unauthorized charges of XXXX cents more than required payment on during discrepancies in payment allocations included curtailment payments total unfair charges amounting to $ XXXX years loan modification unfair practices lack of sales contact of buyers agreement the time of all loan modifications unauthorized loan deferment and charges to bank account COVID-19 assistance and deferment consumer timely payment not accurately reflected during COVID-19 assistance program unauthorized installment loan deferments leading to balance confusion I didn't eat the concerns unauthorized transactions unauthorized electronic Bank transactions affecting payments and financing disputing regarding unauthorized bank account activities concerns with unauthorized bank account activities consumer account activities have been affected by unauthorized Bank transactions correspondences sent to Fifth Third Bank on XXXX XXXX regarding unauthorized bank accounts XXXX XXXX and pin numbers sent on XX/XX/XXXX without consumer authorization these authorization actually have contributed to a ate of payment consumer monthly installment consumer payment from XX/XX/XXXX, the to XX/XX/XXXX inaccurate balances and payments reported to consumer credit First payment XX/XX/XXXX reported delinquent contradicts consumer ck # XXXX {$3500.00} Fifth Third Bank inaccurate credit file reporting balances reported {$32000.00} contradicts purchase sale balance {$32000.00} ( this is {$130.00} ) indifference that would continue to impacted Higher interest payment Consumer First payment reported inaccurately late XX/XX/XXXX inaccurate payment to consumer credit file {$600.00} contradicts consumer factual payment {$620.00} Fifth Third Bank unfair deceptive credit file reporting CRA that consumer payment was {$600.00} contradicts payment required by the consumer of {$600.00} fifth third bank has charged the consumer a ( XXXX cents ) more than the required payment furnished XXXX cents x XXXX {$270.00} unfairly charged a year XXXX XXXX total balance does include the curtailment payments that had been included to payment to pay off the entire loan balance.
Consumer complaints fifth third bank did not provide the consumer with a sales contract or a buyers agreement at the time of consumer auto loan modification consumer was deprived TRUTH AND LENDING SALES AGREEMENT 4 years lending experience consumer BELOW LIST CONSUMER INSTALLMENT LOAN PAYMENT THAT CLEARLY DISAGREES TO THE UNFAIR AUTO LOAN CHARGE OFF unfair calculations inaccurate installments reported as late consumer dispute credit file no payment applied to installment loan XX/XX/XXXX payment XXXX consumer disputes the inaccurate payment the inaccurate payment data reported {$600.00} consumer payment {$620.00} provided {$19.00} curtailment payment unknown where and how payment applied according to fifth third bank loan modification the advised payment XXXX didnt statrd on the loan until XX/XX/XXXX contradicts consumer payment of XXXX due in for XX/XX/XXXX payment Second payment XX/XX/XXXX {$460.00} + {$53.00} = {$610.00} remainder {$1.00} Third payment XX/XX/XXXX {$600.00} - {$460.00} = $ XXXX $ XXXX {$460.00} ( FYI ) Consumer complaint regarding fifth third bank inaccurate credit file reported to the CRAs that had reporting the consumer monthly payment as {$600.00} when fifth third bank XXXX years that the consumer loan XX/XX/XXXX {$590.00} XX/XX/XXXX {$590.00} dispute XX/XX/XXXX {$590.00} Charged twice as over payment charge unfairly documented Fifth third payment charged consumer XXXX x the installment loan XXXX interest unfairly reducing the principal consumer disputes over charge payment i demanding 53rd bank readjust the payment and apply to principle only payment refund the unfair interest cost reported on the ledger and remove the XXXX undeserved late fee {$590.00} reflect the balance payoff XX/XX/XXXX XXXX XX/XX/XXXX allocated with XXXX $ XXXX {$400.00} = {$500.00} XX/XX/XXXX {$860.00} allocated XX/XX/XXXX {$630.00} XX/XX/XXXX {$650.00} XX/XX/XXXX {$630.00} XX/XX/XXXX XXXX {$01.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX - {$640.00} 30 days XXXX contradicts XXXX payment to in the 10 day grace period XX/XX/XXXX {$650.00} XX/XX/XXXX $ XXXX XX/XX/XXXX {$640.00} - contradicts 30 day fauld XX/XX/XXXX $ XXXX XXXX XX/XX/XXXX {$710.00} extra curtailment XX/XX/XXXX {$400.00} curtialment XX/XX/XXXX {$700.00} -extra curtailment XX/XX/XXXX $ XXXX third bank according to the inaccurate payment ledger {$700.00} applied to the loan XX/XX/XXXX {$700.00} total payment paid XX/XX/XXXX consumer total payment applied the month of XX/XX/XXXX curtailment payment totals = {$2300.00} Compliant of unauthorized unload deferment Consumer disputes with the CRA and complains to the CFPB letter correspondence sent to containment by fifth third bank on XXXX XXXX 2019 correspondences states the installment XX/XX/XXXX that installment after all the privous timely payments Auto balance according to fifth third bank auto loan balance in XX/XX/XXXX installment auto balance was ( XXXX ) corespondents references XXXX {$600.00} XXXX {$600.00} XXXX {$600.00} if this investigation of unauthorized deferred are true this wouldve increased the installment loan by XXXX because fifth third bank has failed to provide the consumer with a itemized installment loan ledger consumer has been unable to determent had all or partially inflected harm to the consumer balance Due to the extensive inaccuracies reported in XX/XX/XXXX {$590.00} XX/XX/XXXX is placed on medical XXXX due to medical condition requires long term leave form work. fifth third bank was provided with the attached provides fifth third bank with the requested income change XX/XX/XXXX contradicts 60 day late $ XXXX allocated payment XXXX XX/XX/XXXX {$860.00} slit payment for XXXX XX/XX/XXXX ( FTI ) XX/XX/XXXX Provides change of income to fifth third bank Consumer questions fifth third bank about removing the late inquires to credit file due to the interest of wanting refinance. contradicts fifth third tell consumer that they dont refinance consumer states i could seek refinance with another bank institution if they would remove the inaccuarrate credit files from my report i had made all payment as agreed. fifth tjird bank failed to stop the reporting XX/XX/XXXX XXXX extra curtailment XX/XX/XXXX XXXX curtailment XX/XX/XXXX XXXX contradicts late payment XX/XX/XXXX {$600.00} extra curtailment XX/XX/XXXX {$630.00} extra curtailment XX/XX/XXXX {$610.00} extra curtailment XX/XX/XXXX $ XXXX extra curtailment contradicts 30 day late XXXX dispute late payments XX/XX/XXXX XXXX payment was advised to allocate payment to apply to early XX/XX/XXXX payment.
XX/XX/XXXX XXXX contradicts 30 day late payment was not late. requesting to remove late payments off credit file. apply payment to balance recalculate adjust lower the interest to principal and refund undeserved late fees. XXXX XX/XX/XXXX and XX/XX/XXXX - contradicts 60 late payment payment were paid early and advised to allocate the XXXX payment to credit balances for both months {$600.00} XX/XX/XXXX {$650.00} contradicts the 30 day late payment that remainder curtailment of {$48.00} Consumer Complaint contradicts fifth third bank letter correspondences pf my request for Bank account unauthorized bank account i did not provide fifth third bank with authorized impression to open additional bank account of any kind the only business financially is the auto loan there no reason to open additional bak account with a bank out side of California consumer is a California resident fifth bank operates out of state of Ohio bank continues to harm the consumer subjected the consumer to what is believed to be identity theft XX/XX/XXXX {$600.00} contradicts the day reported payment XX/XX/XXXX {$700.00} contradicts the 60 day late payment XX/XX/XXXX {$600.00} XX/XX/XXXX $ XXXX payment contradicts the late payment Consumer compliant fifth third bank letter correspondence of 6 month auto loan deferrment installment loan deferrment XX/XX/XXXX XXXX XX/XX/XXXX consumer non refundable unfair over payment Charged XXXX times the loan amount t {$180.00} XXXX {$180.00} triple charged the interest rate of it was stated by the bank agent that refund was not option due to prior missed payment according to the consumer bank statement in unfair late fees ( XXXX x charge {$250.00} = {$500.00} late fee ) consumer unfairly charged XXXX interest rate on consumer over payment that was said could not be refunded due to delinquent installment payments however disputes that redactie according to consumer XXXX XXXX XXXX XXXX statements consumer was not late in XXXX so consumer had been over charged the installment payment XXXX + XXXX XXXX fifth third bank charged consumer XXXX high unfair interest {$770.00} {$770.00} {$770.00} XXXX consumer payment recycled back to the furnished in the form of over charged interest rate XX/XX/XXXX XXXX XX/XX/XXXX consumer invested to assistance to pay monthly installed an additional expenses needed the XXXXXXXX XXXX XXXX XXXX to remove the inaccurate late payments XX/XX/XXXX XXXX First payment intercepted on consumer XXXX XXXX XXXX XXXX consumer first detection of electronic bank fraud discovered XX/XX/XXXX when XXXX when XXXX dollar worth electronic bank fraud XXXX XXXX XXXX XXXX and XXXX XXXX bank XX/XX/XXXX XXXX XXXX consumer provided provided XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX installment loan reduced to from {$600.00} XXXX reduced payment due to medical consumer payments were up to date and was prior to accepting the COVID XXXX COVID-19 cares act assistance loan program XX/XX/XXXX reduced payment XXXX to XX/XX/XXXX XX/XX/XXXX {$300.00} contradicts fifth third bank 30 late payment XX/XX/XXXX XXXX XXXX Curtailment payment that does not provide decreases reduction in balance.
XX/XX/XXXX XXXX consumer attached proof of the new bank account number change that had been provided to fifth third bank agent important for future installment payments XX/XX/XXXX XXXX XXXX XX/XX/XXXX contradicts 30 days late Consumer contact fifth third bank with account updated to the new bank account new address and excepts the offer to continues care until XX/XX/XXXX consumer contridics 60 day late credit file consumer also provide the requested payment of {$570.00} thats was said needed to satidiffy XX/XX/XXXX and XX/XX/XXXX contradicts Consumer believes the distress in the auto XX/XX/XXXX consumer with every payment timely payment made on the installment had endured financial payment abuse consumer believes that fifth third had XXXX continued to harm consumer credit file despite the previous 4 years of requesting the furnisher to stop and remove the late reporting they did not support the consumer maintaining a health lending experience.
of timely and or arranged payment to the financier had been unfairly reported to the CRA Consumer provides keys elements and the harmful inaccuatre installments payments that lead to the unfiar auto loan charge off XX/XX/XXXX to the last year of installments XX/XX/XXXX contradicts XXXX late payment XXXX consumer contact fifth third back intercept payment XX/XX/XXXX first installment payment returned NSF Fifth third Band inadvertently failed to update the XXXX consumer account information fifth third bank intercept on inaccurate date due the the consumer with XXXX unauthorized electronic bank fraud transaction already occured on the new bank account in less than unfair bank 60 days XX/XX/XXXX XXXX consumer contacts fifth third bank for payment processing no payment interpreted consuner bank account according despite of the unauthorized bank transactions ending balance {$1200.00} clearly enough funds to intercept consumer instsmeny payment XX/XX/XXXX payment then discovered it was told by the billing agent that XX/XX/XXXX inaccurately {$280.00} over charged consumer installment payment due to account payment mismanagement. The unfair issue was recognized by fifth third bank supervisor that apologized for the inadvertently mistake due to agent billing error consumer was according to the XX/XX/XXXX bank statement please see attached proof to all the adverse correspondence sent by mail that contradicts the consumer installments payments.
XX/XX/XXXX {$570.00} - bank error account mismanagement 30 day default XX/XX/XXXX please reference proof attached fifth third bank sends letter correspond stating that consumer XX/XX/XXXX payment returned unpaid consumer attached proof XXXX XXXX bank statement ( DOES NOT ) indicate a payment returned installment on XX/XX/XXXX bank statement contradicts that XXXX payments XXXX fifth third bank XX/XX/XXXX consumer payment {$570.00} and XX/XX/XXXX paid timely as agreed for XXXX XX/XX/XXXX {$350.00} fifth third mail sent falsified correspondence to consumer of providing payment NSF {$350.00} and payment returned unpaid consumer contradicts this false allegations fifth third bank is believed to have processes payment for third time of old bank acct, consumer has attached proof of this XXXX due to the inaccurate re unpaid this is not accurate according to XXXX XXXX XXXX statement no payment processed consumer account for payment XX/XX/XXXX consumer account does not have return payment according to consumer bank statements contradicts XX/XX/XXXX and XX/XX/XXXX both payments paid agreeable to the payment obligation to fifth third back and was asked by the supervisor to pay to reconcile prior months bank error payment consumer also disputes correspondence sent with inaccurate billing payment returned that also had consumer old address that had been updated to the telephone billing agent - XX/XX/XXXX consumer believes fifth third bank processed payment on closed account for the XXXX times since consumer updated the payment information XX/XX/XXXX XX/XX/XXXX consumer receives call from XXXX XXXX XXXX about milage and details XX/XX/XXXX letter sent regarding current balance XXXX, XXXX and current XXXX XX/XX/XXXX {$570.00} paid as agreed contradicts 60 day late Consumer consumer compliant fifth third bank XX/XX/XXXX letter correspondence and its unauthorized debit card request XXXX pin number did not authorized by the consumer this is major concern due the thousands of dollars that had pleage the consumer XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX XXXXXXXX XXXX card since XXXX same time the consumer provided fifth third bank with the income change from the XXXX unemployment requested documentation and the interception to of installment payment accont information provided XXXX XXXX XXXX account information that shortly after providing the bank accounts information XX/XX/XXXX {$600.00} contradicts 60 day late XXXX consumer had received over XXXX unauthorized bank transactions during the XXXX and XXXX payment cycle making extremely difficult to make the installment loan payments causing other bill obligations to default contradictory due plague of electronic bank fraud that the consumer failed attempts to dispute XXXX times to consumer bank instructions that had been denied refund of funds while fifth third bank continued to XX/XX/XXXX contradicts 60 day late payment XXXX due to the hijacking of unauthorized electronic bank fraud interesting all there consumer bank accounts consumer had family member gift the consumer installment loan amount due XXXX consumer family member fifth installment loan payment in the amount of {$700.00} paid via website ( FYI ) consumer attached family XXXX XXXX XXXX XXXX XXXX statement along with letter signature of payment gifted to the consumer installment payment for XX/XX/XXXX XX/XX/XXXX {$590.00} contradicts 60 day late was contacted by fifth third bank claims that the reduced payment requested amount by the billing agent on XX/XX/XXXX. XXXX was not received The consumer received 2 months of abusive telephone accusations that the requested reduced payment had not be received XX/XX/XXXX payment intercepted utilizing the XXXX XXXX XXXX account XX/XX/XXXX XXXX payment reported 60 days late contradicts consumer timely payment in addiomal to consumer XXXX installment payment thier XX/XX/XXXX consumer disputes fifth third bank the inaccurate late payment no paymnet received. Consumer believes fifth third bank XXXX payment Please see the consumer attached XXXX XXXX bank account statements shoe proof that the payment they claimed to had returned on XX/XX/XXXX has non payment was inaccurate fifth third bank ( did not ) intercept payment Consumer bank statement indicates contradicts fifth third false accusations of returned payment payment.
XX/XX/XXXX consumer bank statement ending balance despite of the XXXX unauthorized electronic bank transactions contradicts balance payment deceitful fifth third bank did not intercepted payment scheduled XX/XX/XXXX the ending balance {$670.00} clearly would've paid the installment payment despite of the unauthorized electronic bank transaction that hand nearly cleared the consumer bank account to XXXX balance XX/XX/XXXX XXXX contradicts the 60 day late day late payment XXXX and XX/XX/XXXX mandated payment that caused the consumer financial hardship due to the double changed installment payment impacted other bills to fall behind in payments also the consumer had over XXXX XXXX charges unathorized in the same month fifth third requested doupble payment demanded to pay by end of day XXXX consumer was not aware of the electronic bank transactions was not aware until XX/XX/XXXX that the installment payment was not paid XX/XX/XXXX XXXX XX/XX/XXXX unfairly uncharged installment payment despite the provided ACH pinstallment payment Consumer contacted fifth third bank with installment payment XX/XX/XXXX {$600.00} according to the attached bank statement XX/XX/XXXX ending XXXX clearly enough funds to pay installment payment payment it wast until XX/XX/XXXX that the consumer relieved the XX/XX/XXXX payment never intercepted the consumer bank account for payment.
Consumer complaint unfair XX/XX/XXXX installment payments that lead up to the unfair auto loan charge off XX/XX/XXXX XXXX payment XXXX XXXX finance contacts consumer states {$2200.00} must be paid same day or my vehicle would be reprocessed stated and the payment would cover the missing payments and XXXX payment XX/XX/XXXX XXXX Consumer complaint unfair auto loan charge off XX/XX/XXXX XX/XX/XXXX Consumer installment returned to consumer bank account of NSF funds due the excessive unauthorized payments that hijacked the consumer installment payments the payment returned he consumer made a good effort payment to fully pay the finance extra XXXX curtailment to add to the late fees of the return payment write after the holidays though though dollars had been stolen from consumer bank account while ensuring installment payments were made XX/XX/XXXX refuced to make XXXX payment without itemized ledger XX/XX/XXXX payment {$600.00} contradicts 60 day late XX/XX/XXXX XXXX Consumer contacts XXXX from 53rd bank XXXX 's explained concern unfair XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX consumer 's Financial challenges greatly consumer request the consumer demands thorough investigation of Fifth Third Bank in accurate reporting unfair practices and unauthorized account activities they request removal of inaccurately reported late payments XXXX times correction of reported balances to match actual payments refund of unauthorized charges and unfair late fees resolution of identity theft concerns and removal of unauthorized transactions detail atomized Ledger of payments and allocation compensation for financial harm and distress cost please review this revised version and if there are additional details you'll like to meet include or changes you like for me to make feel free to let me know
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| 12/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I filed a credit card dispute case ( XXXXwhich is now closed ) with Fifth Third Bank involving thirteen ( 13 ) transactions. The amount of each of these transactions was directed to the same merchant and was for the same one of two purposes.
On XX/XX/XXXX, Fifth Third Bank reversed the five younger transactions of the 13-unit transaction grouping comprising the dispute case even though four out of those five transactions were beyond their individual 60-day notification windows.
Fifth Third Bank refused to reverse the eight older transactions of the 13-unit transaction grouping comprising the dispute case by declaring that these eight transactions were beyond their individual 60-day notification windows.
After being informed of Fifth Third Banks decision regarding my dispute case, I filed an initial complaint against Fifth Third Bank with the Consumer Financial Protection Bureau ( now closed case number XXXX ) in which I vividly detailedwith applicable supportive documentationthat since Fifth Third Bank had reversed four out of five transactions that were beyond their individual 60-day notification windows, there was no logical reason for the remaining eight transactions to not have been reversed at the same time that the reversal of the five transactions that Fifth Third Bank did reverse took place.
In summary, my initial CFPB complaint against Fifth Third Bank was to declare and prove that my dispute case had been handled in a nonsensical, unfair manner because within the same grouping of transactions, denial-reason rules were disengaged for five of the transactions and then reengaged for the remaining eight transactions. Which, in my mind, paints a very clear picture of unfairness.
Fifth Third Banks response to the initial CFPB complaint was to inform me that the 60-day-notification rule did not apply to the transactions I had disputed because they were considered merchant disputes. I was also informed that Fifth Third Bank reversed five of the thirteen transactions because they determined that they had chargeback rights for those transactions and that they did not reverse the remaining eight transactions because they determined that they did not have chargeback rights for those transactions.
In summary, Fifth Third Bank did not addresslet alone even endeavor to rectifythe unfair handling of my dispute case that was presented to them in the initial CFPB complaint. All Fifth Third Bank did was change denial-reason terminology and transition my account into a cease and desist status for whatever that happens to mean to Fifth Third Bank.
To this day, Fifth Third Bank still refuses to admit that they did not look at all thirteen transactions in the dispute case in the same lightso to speak. Fifth Third Bank also still refuses to admit treating five of the transactions in one way while treating eight transactions in a different way. Which, again in my mind, paints a very clear picture of unfairness.
Pursuant to Fifth Third Banks response to the initial CFPB complaint, I filed a complaint against Fifth Third Bank with the Federal Trade Commission. My reference number in that regard is XXXX. The FTC is in complete agreement with me that Fifth Third Bank handled my dispute case in a nonsensical, unfair manner.
Details and evidence that prove that Fifth Third Bank handled my dispute case in a nonsensical and unfair manner is documented below.
Attachment XXXX provides a listing of all thirteen ( 13 ) transactions involved in the dispute case.
Of note here, and also noted in the attachment itself, are six elements that pertain to this grouping of transactions.
1. All of the transactions were disputed on the same dateXX/XX/XXXXwhich groups all of the transactions into a single standalone dispute case.
2. The amount of each transaction was directed to the same merchant.
3. All of the transactions were payments for the same one of two purposes.
4. The transactions having a {$19.00} amount were each for the paying of a monthly membership fee.
5. The transactions having a {$180.00} amount and a {$1200.00} amount were all payments for the purchasing of the XXXX XXXX XXXX XXXX component of the merchant enterprise which is owned and controlled entirely by the merchant.
6. The transaction having a {$1400.00} amount is also a payment for the purchasing of the XXXX XXXX XXXX XXXX component of the merchant enterprise which is owned and controlled entirely by the merchant. The description and amount for this particular transaction is different from the other XXXX XXXX XXXX XXXX transactions because the initial purchase of the component has to go through the merchants help desk whichin turngives the transaction a different description and a higher amount from the other XXXX XXXX XXXX XXXX transactions. Additionally, the higher amount is due to the inclusion of an initial set-up fee.
Also of note here is that Fifth Third Bank declared that the 60-day notification rule did not apply to any of these transactions because they were considered to be merchant disputes.
Attachment XXXX provides a listing of the five ( 5 ) younger transactions of the dispute case which Fifth Third Bank reversed on XXXX.
Of note here, and also noted in the attachment itself, are three elements that pertain to this grouping of transactions.
1. All of these transactions were reversed by the company on XXXX.
2. The first four transactionsfrom top to bottomwere reversed even though they were beyond their individual 60-day notification windows.
3. Fifth Third Bank reversed these transactions because they declared that they had chargeback rights for these transactions even though four out of the five transactions were beyond their individual 60-day notification windows.
Attachment XXXX provides a listing of the eight ( 8 ) older transactions of the dispute case which Fifth Third Bank reused to reverse on XXXX.
Of note here, and also noted in the attachment itself, are six elements that pertain to this grouping of transactions.
1. All of these transactions are beyond their individual 60-day notification windows.
2. Fifth Third Bank declared that they did not have chargeback rights for any of these transactions and therefore refused to reverse any of these transactions.
3. The XX/XX/XXXX and the XX/XX/XXXX transactions are no different from the XX/XX/XXXX transaction on Attachment XXXX. Since Fifth Third Bank declared that they had chargeback rights for the XX/XX/XXXX transaction on Attachment XXXX, there is no logical reason for Fifth Third Bank to declare that they did not have chargeback rights for the XX/XX/XXXX and the XX/XX/XXXX transactions.
4. The XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the XX/XX/XXXX transactions are no different from the XX/XX/XXXX transaction on Attachment XXXX. Since Fifth Third Bank declared that they had chargeback rights for the XX/XX/XXXX transaction on Attachment XXXX, there is no logical reason for Fifth Third Bank to declare that they did not have chargeback rights for the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the XX/XX/XXXX transactions.
5. Although the XX/XX/XXXX transaction has a different description and a different amountwhich is explained on Attachment XXXXthe XX/XX/XXXX transaction is still no different from the XX/XX/XXXX transaction on Attachment XXXX because it is part of the XXXX XXXX XXXX XXXX component as is described on Attachment XXXX. Since Fifth Third Bank declared that they had chargeback rights for the XX/XX/XXXX transaction on Attachment XXXX, there is no logical reason for Fifth Third Bank to declare that they did not have chargeback rights for the XX/XX/XXXX transaction.
6. Since the transaction description of the XX/XX/XXXX transaction is not among the transaction descriptions of the transactions that were reversed by Fifth Third Bank ( see Attachment XXXX ), Fifth Third Bank can confirm that the transaction description of the XX/XX/XXXX transaction is directly linked to the merchant by reading paragraph 16 of the Federal Trade Commissions complaint document against the merchant, which can be accessed using the following hyperlink : XXXX XXXX XXXX The MASTER sheet of Attachment XXXX presents all thirteen ( 13 ) transactions in the dispute case in chronological order based on transaction date from oldest to youngest.
Of note here are five elements.
1. Fifth Third Bank declared that none of the transactions could be denied due to their individual 60-day notification window dates have been exceeded because the transactions are considered to be disputes with a merchant.
2. Fifth Third Bank declared that they determined that they had chargeback rights for the five younger transactions ( rows 15 through 19 ) and therefore reversed those transactions on XXXX.
3. Fifth Third Bank declared that they determined that they did not have chargeback rights for the eight older transactions ( rows 7 through 14 ) and therefore refused to take any reversing action for these transactions.
4. The two different purchase purposes that constitute the entire dispute case are represented in the five younger transactions ( rows 15 through 19 ) that Fifth Third Bank determined that they had chargeback rights for and therefore reversed.
5. The two different purchase purposes that constitute the entire dispute case are also represented in the eight older transactions ( rows 7 through 14 ) that Fifth Third Bank determined that they did not have chargeback rights for and therefore refused to take any reversing action.
An analysis of these five elements produces a very intriguing question : Since the two different purchase purposes that constitute the entire dispute case are represented in both the five younger transactions and the eight older transactions, what science, algorithm, or logarithm gave Fifth Third Bank cause to determine that they had chargeback rights for the five younger transactions but did not have chargeback rights for the eight older transactions?
A purely mathematical analysis of the MASTER sheet of Attachment XXXX produces a plausiblealbeit unfairtheory as to what influenced Fifth Third Bank to determine the transactions for which they had chargeback rights and the transactions for which they did not have chargeback rights. This theory is explained in the following seven steps.
1. Fifth Third Bank began the chargeback rights determination process by establishing a maximum reversal amount of {$1500.00}.
2. The transaction on row 19 was reversed. This brought the total thus-far amount reversed to {$19.00}.
3. The transaction on row 18 was reversed. This brought the total thus-far amount reversed to {$200.00}.
4. The transaction on row 17 was reversed. This brought the total thus-far amount reversed to {$220.00}.
5. The transaction on row 16 was reversed. This brought the total thus-far amount reversed to {$1400.00}.
6. The transaction on row 15 was reversed. This brought the total thus-far amount reversed to {$1400.00}.
7. They stopped the reversal process at this point. For, if the transaction on row 14 had been reversed, its amount of {$1200.00} would have increased the total thus-far amount reversed to {$2.00} XXXX, which is {$1200.00} above the {$1500.00} maximum reversal amount established at the very beginning of the process.
At this point in time, I am not accusing Fifth Third Bank of having engaged in such visibly obvious unfair reversal theory scheme. However, from a mathematical point of view, this seven-step theory does harmonize with the transaction-reversing actions that Fifth Third Band did and did not take.
Regarding the MEMBERSHIP PAYMENTS sheet of Attachment XXXX, Fifth Third Bank declared that they had chargeback rights for the transactions on rows 9 through 11 but did not have chargeback rights for the transactions on rows 7 and 8.
When these five transactions are viewed as a collective whole, it produces a very intriguing question : With the exception of date differences and a singular difference in the Merchant column, what makes the non-reversed transactions on rows 7 and 8 different from the reversed transactions on rows 9 through 11?
Regarding the XXXX sheet of Attachment XXXX, Fifth Third Bank declared that they had chargeback rights for the transactions on rows 13 and 14 but did not have chargeback rights for the transactions on rows 7 through 12.
When these eight transactions are viewed as a collective whole, it produces a very intriguing question : With the exception of date differences, a singular difference in the Merchant column, and two transaction amount differences, what makes the non-reversed transactions on rows 7 through 12 different from the reversed transactions on rows 13 and 14?
All of the evidence documented above along with the materials in this complaints four attachments paint an undeniably clear picture that Fifth Third Bank and its dispute center mishandled my dispute case in ways that are nonsensical and unfair.
When one transaction is reversed for whatever reason and a second transaction that is identical in purpose to the first transaction is not reversed for whatever reason, that deed creates an act that not only makes no logical sense at all but is also unfair because each transaction in the 13-transaction dispute case should have been handled in the same way.
Additionally, the Bureau of Consumer Protection division of The Federal Trade Commission is in complete agreement with me that my dispute case was mishandled in ways that are nonsensical and unfair and also feels that Fifth Third Bank shouldof its own accordstrive to rectify and remedy such a visibly obvious case of nonsensical and unfair acts without further delay and without further complaints having to be filed against them.
Most plentiful on XXXX and other social media platforms are posts and stories speaking of how Fifth Third Bank is not following the same dispute resolution rules that all other MasterCard and Visa backed credit card issuers are having to follow and how Fifth Third Bank is making up their own dispute resolution rules as they go alongso to speakto deny perfectly valid and well-documented dispute cases.
Also most plentiful on XXXX and other social media platforms are posts and stores speaking of how Fifth Third Bank is demonstrating that they had rather continue tormenting and traumatizing the victims of a worldwide court-case-proven bilking scheme while other credit card issuerssuch as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX just to name a fewhave elected to demonstrate compassion, understanding, and caring kindness to the victims of the bilking scheme who have already been tormented and traumatized enough as it is.
I usually do not put much stock in the posts and stories I encounter on XXXX and other social media platforms. However, considering how my dispute case was handled by Fifth Third Banks dispute center, I am now inclined to feel that the plentiful posts and stories I have read regarding how Fifth Third Bank has chosen to conduct its credit-card-issuers affairs are not without certain amounts of merit and truthfulness.
With respect to what you have just read and coming from someone who has spent the better part of 20 years as a XXXX XXXX in the regular 8-to-5 business world, it is my well-educated opinion and belief that it would be of more benefit to Fifth Third Bank for them to commence devoting significantly less time endeavoring to deny perfectly valid and well-documented dispute cases in favor of devoting significantly more time in the arenas of damage control and public relations so as to avoid the potential loss of present and future banking customers, the potential loss of present and future business-entity investors, the potential loss of present and future credit-card holders, and also to prevent legal action against Fifth Third Bank itself from making the transition from probable to imminent.
Fifth Third Bank proclaimed me to be a valued customer. However, considering how my dispute case was handled and how my account has since been placed in some variety of cease and desist status, the picture I see is more of a loathed customer than a valued customer. But, then again, Fifth Third Bank may be using a different dictionary than myself.
In closing, let me state that I am not a malicious and greedy person. I am only seeking for myself and my dispute case to be treated fairly.
|
| 05/03/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am XXXX XXXX XXXX XXXX. I have honorably and dutifully served my country for the past 12 years as an XXXX XXXX XXXX. I have served in XXXX XXXX XXXX including XXXX XXXX XXXX and XXXX XXXX XXXX and have willingly made great personal sacrifices for my country. I am currently in the process of soliciting assistance from Congress for retaliation I experienced following a formal report of gender discrimination. As a result of reporting corrupt actions of others, I was subjected to a pattern of retaliation which continues unabated to this day. These acts of retaliation should not be countenanced and have caused me and my family great financial as well as emotional harm. I have given much to this country and I would expect that this country in return owes me respect and that I be treated with common decency due to any citizen.
This letter is to address a substantial prolonged financial hardship I have experienced as a result of military service and seek assistance with the potential predatory lending practices of Fifth Third Bank. Around XX/XX/XXXX, I contacted Fifth Third to seek assistance with my financial hardship which resulted from my execution of military relocation orders. In response to my solicitation for assistance I was offered a forbearance plan by a 5/3 representative named XXXX who explained that using this option of forbearance meant I could defer 3 months worth of payments without penalty. She informed me that she would send documentation to validate the forbearance plan closer to the end of the month, as I had just missed the window for their supposed reconciliation date. I accepted her suggested forbearance plan and waited for her to contact me, which never occurred. After waiting several weeks, I called Fifth Third and attempted to reach XXXX, who never returned my calls, messages or emails. Fifth Third claims there is no evidence or history of this conversation occurring and is now trying to penalize me for deferring payments as advised by their representative.
After several calls requesting information and complaining about the evasion of various customer service representatives, I was finally put into contact with a customer care specialist named XXXX XXXX. He informed me I would have to submit another hardship package because my first one had been closed. I did not receive assistance for the first package, or a follow-up to explain the outcome of its submission. XXXX XXXX gave me a long list of documents I would need to submit for the second package, which were not required for my first package and even more demanding in terms of detailed account information. He requested that I give him full bank account numbers to ALL of my accounts, or he could not help me. I attempted several times to ascertain from XXXX XXXX why all of the additional account details were required for the second package when they were not needed for the first package and he could not provide the answer.
After several weeks of asking him for an explanation for the additional documents, I relented because of desperation and gave him access to all of my accounts. Many of my questions have remained unanswered, such as does Fifth Third participate in the Making Homes Affordable Program or other Federal aid programs for XXXX XXXX service members who are forced to relocate. I have gotten conflicting information from multiple 5/3 representatives as to the status of my original hardship package, which include that it was closed, never opened or did not have enough documentation.
OnXX/XX/XXXX, I was contacted by a XXXX XXXX via phone, who is allegedly a contracted VA appraiser requesting access to my XXXX XXXX home on behalf of 5/3 Bank. I requested that XXXX XXXX provide professional validation of her job status as an appraiser in which she could not provide. I asked her how she found my contact information and she stated 5/3 Bank had given it to her to request access to my home for the purpose of an appraisal. 5/3 Bank did not inform me of an appraisal service and gave the alleged VA appraiser partially incorrect contact information through an erroneous email address I have never been associated with. Not only does 5/3 refuse to correct my contact information despite numerous requests, they also released my personal information without my consent.
On XX/XX/XXXX I called 5/3 and requested to speak to a manager in regards all of the issues stated in this letter, and also to request the notes detailed on my 5/3 account with the many representatives I had previously spoken to. I realized after the first incident with XXXX and her failing to keep her promise that it would be wise to request that each person I speak with write out a summary of our conversation. During this call, I was referred to a ( Customer Care Specialist ) in the Loss Mitigation Department named XXXX, to whom I requested an electronic copy of the notes previously recorded, which she refused to provide. Due to the conflicting statements of representatives as to the status of my plea, I wanted a copy of my account notes so that I could determine who is constraining my request for aid. I asked her why she could not provide it and was informed that customers are not privy to them. The fact that I am not privy to notes on my account is a concern to me, as it presents the perception that 5/3 is operating in a less than straightforward or honest way.
After I determined that XXXX had no intention of hearing my issues or assistance, I requested to escalate this call to the next supervisor, which she begrudgingly did. The next person I spoke with was Loss Mitigation Supervisor XXXX XXXX ( XXXX ). XXXX XXXX was not able to give me an answer as to what had occurred with my account and assured me he would call me back on XX/XX/XXXX. He informed me that the status of my was at a standstill because I had not responded to the paperwork mailed to me. I did not respond because 5/3 has continued to send my mail to the property address of the mortgage. Another concern with this is the fact that 5/3 has been able to send mail that pertains to bill collection to the correct address, but not documents that will assist in the severe hardship I am enduring because of serving my country.
I have invested several hours worth of phone calls with 5/3 Bank to get assistance and information on my mortgage options in order to avoid foreclosure or short sell options. It is my belief that 5/3 Bank is : 1. Utilizing intentional evasive measures in order to perpetrate predatory lending tactics to force my home into foreclosure for their benefit.
2. They are exploiting my inability to physically go into a bank because of military service, thus controlling this situation to their advantage. 3. They are intentionally sending important documents to a location I do not reside knowingly, despite my efforts to correct the mailing address on file so they can argue that I never responded to strengthen their foreclosure plan. 4. They are presenting false aid options, such as the fo
rbearance plan I was offered, in order to collect late fees and create a misleading case in their favor for foreclosure.
5. This lender has demanded my birth certificate and all of the information to access my accounts, yet have produced no assistance or explanation as to what it will be utilized for. 6. 5/3 Bank has illegally abused my personal info
rmation that I have submitted for the hardship package to others without consent, yet withheld information about my account that could help me determine what is really occurring with my account.
7. They are omitting key details to my account notes and other responses for the purpose deniability of aid. 8. The representatives have outright lied by denying discussions and have avoided answering my questions about other Federal assistance programs available to me to prevent resolution. 5/3 Bank has been intentional, illegal and exploitative in their business practices and further compromised my very difficult situation by preying on my desperate solicitation for help. I am currently in the process of submitting a Congressional Complaint
for the negligent business practices of companies I have been forced to interact with because of military relocation orders, and 5/3 Bank is one of them. Below is a brief outline of the current struggle I am engaged in and need help with.
Background : The issue with Fifth Third Bank is but one component of the financial devastation I am currently enduring. As outlined below the issues that I am addressing to Congress covers an unfortunate period in my career that is still heavily injuring my life. All of the problems that are impacting me currently have stemmed from adhering to directives for reporting violations of gender discrimination during that period which have led to insurmountable financial hardship. SinceXX/XX/XXXX when I first reported the hostile work environment, I have paid well over {$150000.00} in additional and unnecessary mandatory relocation expenses not reimbursed by the government. In the collective 3-year span since that complaint, I have only earned {$98000.00} according to my pay stubs, leaving me at an astounding deficit of {$56000.00} in relocation associated costs ( this is a conservative estimation and only items I have receipts or evidence of have been included ).
To provide real magnitude to this issue the only way to recover financially from the current deterioration I am experiencing would be for me to declare bankruptcy or dedicate the next three years pay towards the repayment of various pay methods I had to use to cover the shortage without paying any cost of living expenses. While the pains of being in debt are certainly stressful, this financial concern is much more significant because in order to maintain my job specialty in the XXXX XXXX, I must maintain a job clearance which requires financial health and stability. By declaring bankruptcy, or having substantial debt I can not afford to pay off, I am at risk of losing my clearance eligibility which would result in losing my job and negating the 12 years of technical experience. 5/3s efforts are further compromising my financial hardship and have delivered the very clear message that service members will not be treated fairly or with respect and care.
SinceXX/XX/XXXX my relocation costs have reached nearly exceeded {$160000.00} to which only a small portion has been reimbursed to me as travel costs. There have been numerous ripple effects for the short period in my career including : 1. Eventual dissolution of my marriage 2. The devastating cross-country child custody commitment ( due to a legally binding separation agreement, I have had to pay out of pocket for travel arrangements for my daughter to visit her father. ) 3. The decline in my physical health caused by ceaseless stress over my financial situation.
4. Significant damages to my XXXX XXXX residence caused by Hurricane XXXX.
5. The destruction, theft and frequent relocation of my household goods by the negligent, underinsured moving companies contracted by Department of Defense in excess of {$60000.00}.
6. The disruption in my familys wellbeing and quality of life caused by broken household goods.
7. The cost of damages, extortion, repair and rental vehicle fees caused by vehicle transport services related to relocation for nearly {$10000.00}.
It is understood that military service comes with sacrifice, but the word sacrifice does not summarize the emotional cost of service. The truth behind military members endeavors is this : We expose ourselves to unrelenting danger and incur a laundry list of medical conditions that impact our quality of life in substantially painful and permanent ways, a burden we carry long after departure from XXXX XXXX. Mentally, we are forced to compartmentalize loneliness every time we leave our loved ones and forgo comfort and opting to [ choke down ] crippling stress to continue, unsure at times how to put the next foot in front of the other. This unnecessary hardship lends to the skyrocketing diagnoses of XXXX and veteran XXXX rates ( even more prevalent in women veterans than men ).
Add to the decline in physical and mental health the fact that we miss the milestones that bring positive mature perspective, wisdom and gratitude. I have sacrificed countless of these priceless moments so I could serve and be exploited for my efforts. The exploitation is a necessity when related to deploying, because we are freedom fighters and tasked with the exhausting job of protecting our country, but exploitation through malicious reprisal, by contracted moving companies, or Headquarters XXXX XXXX by denial of financial aid is an abuse that is unfair to exact.
The failure of marriages due to long separations and the overwhelming stress of service.
Truthfully, I do not know what options are available to me in rectifying the concerns expressed in this letter. It is my desire that 5/3 bank honor the forbearance plan by removing those allegedly delinquent missed payments from my account, reducing my overall mortgage as if those 3 payments had been mad. I believe that this would be a fair effort on their part in light of the incredibly unprofessional predatory efforts of their customer service representatives. I also want 5/3 bank to reconsider loan modification for my mortgage because of these issues.
In the face of all the trauma, grief, stress, terror and sadness associated with military service, at the very least we should be able to avoid financial ruin or bankruptcy. I am currently experiencing the strain of institutional abuse by gender discrimination and financial exploitation by the very country and XXXX I have faithfully served. I can provide any documentation proof you require to validate my efforts and concerns upon request. Please let my loyalty to my country count for something during this very difficult period for my family and I.
Thank you for your service, support and concern to this matter.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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XX/XX/XXXX CFPB Complaint Against Fifth Third Bank Fifth Third Bank has violated Federal Laws and Regulations in their pursuit to exploit and discriminate against me as a XXXX XXXX XXXX XXXX Veteran. Their violations have not solely been discrimination against a former service member, and now XXXX veteran, but have included many egregious abuses including fraud, predatory lending, deceptive business practices and direct violations of the following Federal Laws ( not all inclusive ) : -Fair Credit Reporting Act -Fair Debt Collection Practice -Service Member Civil Relief Act -Consumer Financial Protection Act of XXXX Evidence to Support Claim of Federal Violations : Encl 1- XX/XX/XXXX, Fifth Third Bank Hurricane Assistance Solicitation Email : Bank offers hardship helplines and options because my home was in a Nationally Declared Disaster Area because of Hurricane Matthew.
Encl 2 - XX/XX/XXXX Loss Mitigation Email : Fifth Third Loss Mitigation Rep XXXX XXXX emails me a Uniform Borrower Assistance Package after convincing me I can do a loan modification.
Encl 3 - XX/XX/XXXX Loss Mitigation Package : Fifth Third Bank intentionally omitted to the HUD and XXXX XXXX XXXX XXXX XXXX that on XX/XX/XXXX, I submitted a completed loss mitigation package. This omission was intentional and was an effort to avoid extending the Making Homes Affordable Act available to me as it was ending XX/XX/XXXX.
Encl 4- XX/XX/XXXX Letter : Letter from Fifth Third provided ONLY in an electronic form to the Consumer Financial Protection Bureau in response to a complaint I filed, which states clearly, I was approved for a Forbearance period of non-payment for hardship between the months of XX/XX/XXXX through XX/XX/XXXX.
Encl 5 - XX/XX/XXXX Letter : Letter from Fifth Third stating on page ( 2 of 3 ) that We also reviewed the information reporting to the credit reporting agencies. Because your mortgage loan was placed on a forbearance plan for XX/XX/XXXX through XX/XX/XXXX, those months should not have been reported as past due to the credit reporting agencies. Therefore, we submitted an update to all four ( 4 ) credit reporting agencies to remove the delinquency reported for those months and to reflect that those months were in current status. This statement is an outright fabrication. This can be validated in the XX/XX/XXXX XXXX Dispute Results.
Encl 6 - XX/XX/XXXX XXXX Dispute Results : demonstrate that Fifth Third never corrected their false reporting as they alleged to the CFPB. Their false credit reporting has led to my filing Chapter XXXX bankruptcy and is a blatant form of retaliation for filing a formal discrimination complaint with HUD, and complaints with the XXXX and CFPB.
Encl 7 - XX/XX/XXXX Serving Notes & Letters : Fifth Third Bank is shown to make numerous calls during inappropriate times, both early mornings and late nights. These calls are typically more than once a day and are harassing in nature, violating the Fair Debt Collection Act. There are several notes added that demonstrate several attempts I made to update my address or to get relief as an XXXX XXXX service member and XXXX service member is a National Declared disaster area, to no avail. On a note entry made XX/XX/XXXX, Fifth Third falsified a statement that I signed the Forbearance Agreement, which never occurred.
Encl XXXX - XX/XX/XXXX Letter : Letter from Fifth Third is a response to a complaint a filed with the CFPB and includes falsified and intentionally inaccurate information to mislead investigatory entities from being made aware of the illegal and corrupt actions perpetrated by Fifth Third Bank. This demonstrates a clear-cut violation of the Fair Credit Reporting Act and has caused critical financial damage to me and my family.
o In this letter Fifth Third states they received a hardship application on XX/XX/XXXX when in fact they received an application as early as XX/XX/XXXX ( attached A ).
o In this letter it mentions a VA appraiser being unable to access the interior of the property after ( 3 ) attempts. However, said appraiser could not verify her identity ( see attached B email dated XX/XX/XXXX ) and I was unwilling to compromise the safety of my tenant. This appraiser had incorrect contact information for me, and I have attached the correspondence with her as evidence of her unwillingness to provide verification as to her identity. My tenant had children, therefore allowing an unidentified stranger into my home simply because they demanded access would have been dangerous and absolutely inappropriate. Furthermore, Fifth Third bank never mentioned anything about an appraisal or a scheduled appraiser coming to inspect the home.
o In this letter Fifth Third reports to the CFPB that Our records do not show that we ever requested your birth certificate, and a birth certificate would not be a requirement for any hardship assistance application. This is yet another falsified statement made to mislead regulatory entities. Around XX/XX/XXXX, I was required to give my birth certificate as part of a hardship application, which I refused to do as the representative could not tell me what the purpose of the birth certificate was for. On that same day I filed a XXXX XXXX XXXX Complaint ( attached C ) against 5/3 Bank for their intrusive request for information specific ONLY to me and was contacted by a rep named XXXX XXXX, who left a voicemail ( attached D ) and I received a Letter from him as well dated XX/XX/XXXX with my correct mailing address in RI ( attached E ). No other person is required to provide a birth certificate and it is not listed as required documentation on any hardship application checklist, making it a requirement specific to me alone which is discriminatory.
o In a Letter dated XX/XX/XXXX, ( attached F ) Fifth Third responds to my XXXX complaint acknowledging the birth certificate issue and further validates that I was working with the LOAN MODIFICATION DEPARTMENT ; this letter was sent to my residence in Rhode Island ( this demonstrates that 5/3 had the correct mailing address, therefore chose to send time sensitive mail such as appeal letters to non-residence intentionally so I would not receive it in time ). This single letter alone is ample evidence to prove the XX/XX/XXXX Letter signed by XXXX XXXX contained intentionally erroneous information submitted to the HUD, FRB and CFBP where she submits lies to further damage me and my family financially. Her misconduct, false credit reporting and the predatory lending for the express purpose for foreclosure on a XXXX veteran is illegal, exploitative and outright discrimination!
o In a Letter dated XX/XX/XXXX, ( attached G ) Fifth Third sends back a non-approval letter to the property address I do not reside at knowingly, thusly denying me the opportunity to appeal or respond to the decision in a timely manner. This tactic is an intentional retaliatory effort because of the XXXX complaint I filed on XX/XX/XXXX. I received a Letter on XX/XX/XXXX and XX/XX/XXXX at the correct address in Rhode Island without issue, but this very important letter went unread and I lost the opportunity to fight to save my home. It was intentional targeting because of my military status and reprisal for reporting.
o In XX/XX/XXXX Letter signed by XXXX XXXX she states that my loan was again placed in a forbearance period starting in XX/XX/XXXX to XX/XX/XXXX, which means those months should not have been reported delinquent on my credit report either, but they were as witness in the XX/XX/XXXX Experian Dispute Results. This is more reprisal for reporting discrimination for being a XXXX veteran.
o XX/XX/XXXX Experian Dispute Results : I disputed the erroneous delinquency report Fifth Third submitted against me on page ( 3 of 20 ), which records my mortgage payments 30 days late as of XX/XX/XXXX. Fifth Third knowingly submitted falsified information with the intent to commit fraud and was both willful and negligent non-compliance to the FCRA.
Violation of : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information- ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and 88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate.
Encl 9 - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This letter was in response to a discrimination complaint filed against Fifth Third with HUD, where Fifth Third furnished dishonest information for the express purpose to misrepresent the misconduct perpetrated by its employees which has ultimately led to my financial ruin and Chapter XXXX bankruptcy.
Violation of : 15 USC 1692e 9 807 15 USC 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Fifth Third Bank knowingly and intentionally reported false and inaccurate information to all ( 4 ) credit reporting agencies for the express purpose of causing financial harm to me by stating I was delinquent in paying my mortgage beginning XX/XX/XXXX to current, as a retaliatory effort for filing a discrimination complaint with HUD. Fifth Third Bank provided a falsified statement to the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, stating they submitted an update to all four credit agencies to remove the delinquency reporting for those months and to reflect those months as current. This statement is witnessed on the 5th page of the XXXX XXXX XXXX XXXX XXXX Letter and can be further verified by the attached XXXX Dispute Results ( Report Number XXXX Dated XX/XX/XXXX ).
The damages done by Fifth Third bank are irreversible. My home is in foreclosure and my family and I are facing homelessness due to the predatory endeavors of this bank. I have been targeted because of my military status, and am suffering ceaseless retribution for reporting discrimination. I have continued to be targeted despite providing evidence of Fifth Thirds discriminatory practices and will continue to reach out to Federal Agencies for aid, as Fifth Third is disgustingly unethical in their pursuit to foreclose on my home through illegal measures. I have reported their misconduct multiple times and provided ample evidence to support my claims and believe these actions to be retaliation for reporting them to the CFPB, HUD and Federal Reserve Board. I am now a XXXX XXXX XXXX combat Veteran of 13 years and have been financially ruined and forced to file bankruptcy because Fifth Thirds refusal to correct the erroneous negative credit report against me. I have appealed to multiple agencies who have allowed Fifth Third to continue in this criminal activity and will soon be without a place to live.
Since the XX/XX/XXXX Letter from the XXXX XXXX XXXX XXXX XXXX response, I have been placed in another Forbearance period, which was also reported to the credit reporting agencies as delinquent. Additionally, I attempted to sell the house in order to pay off the loan and settle the debt with Fifth Third bank, and they hindered the sell by refusing to provide a payoff amount until the day of closing, which was XX/XX/XXXX. They intentionally sabotaged the sell of the home and I lost the contract and am facing a civil suit by the interested buyers because they were unable to purchase the home because of the malicious hindrance of Fifth Third. This type of conduct was entirely counterproductive to recouping money and demonstrates spite and retaliation for reporting discrimination in the first place.
I plead for assistance in this matter so that I do not lose my home. I am a single mother and care for my own XXXX mother, and Fifth Third bank is aware of those circumstances. I reassert that I am being targeted and discriminated against by Fifth Third Bank, and am now suffering retaliation for reporting their illegal conduct. They have done irreparable damage to my family and I. I request assistance from further harassment and abuse for being a XXXX veteran and ask for immediate assistance in the cease of Fifth Thirds targeting for reporting. Surely this bank will be held accountable for their corrupt and disgusting actions in wrongful reporting and malicious discrimination of a XXXX Veteran. They have ruined our lives and I now stand to lose my VA home loan entitlements because of their greed and illegal conduct. Thank you for your time.
|
| 10/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I initiated a credit card dispute case with Fifth Third Bank regarding a number of transactions with transaction dates ranging from XX/XX/XXXX to XX/XX/XXXX. All of the transactions are directly related to the business entity known as XXXX XXXX XXXX XXXX XXXXfor short and are part of XXXX bilking scheme as it is detailed in the FTCs complaint document. The cumulative amount of the dispute case is {$9200.00}.
At the time my dispute case was initiated, the outstanding balance on my card was {$7900.00}. And, all of the transactions which create this sum are the result of XXXX bilking scheme.
Unfortunately, I can not provide you with an image of the actual credit card statements denoting these transactions because my computer system is not equipped with a document scanner. All I can provide you with are pdf images of the statements for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
On XX/XX/XXXX, Fifth Third Banks dispute center nullified a small number of the disputed transactions without hesitation or question and without requesting any additional information. The transactional amount that was nullified was {$1400.00}. This action decreased by cards outstanding balance to {$6400.00} and decreased the overall dispute case amount to {$7700.00}.
On XX/XX/XXXX, I received a letter from Fifth Third Banks dispute center informing me that the remaining transactions in the dispute case were not eligible for relief due to them being more than 60 days old. The cumulative transactional amount that they were declining to nullify was {$7700.00}.
Of note here is that the transactions that the refused to nullify are no different from the transactions that they somewhat automatically nullified on XX/XX/XXXX because the funds were directed to the same merchantXXXXand for the same two purposes.
On XX/XX/XXXX, I mailed them a letter stating that the transactions they were refusing to nullify were not typical transactions because they came into existence as part of XXXX bilking scheme and that it was understandable that the transactions would have some age on them because one does not always know within 60 days that one has become the victim of a bilking scheme. The letter also requested that the dispute center reopen my dispute case for the reason described in the preceding sentence. Attachment CFPB_ATCH_A will show you the letter that was mailed to the dispute center and will denote the transactions that the dispute center refused to nullify.
On XX/XX/XXXX, after noticing that no temporary credit had been applied to my account, I telephoned the dispute center to ask them if they had received my letter. I was told that my letter had been received on XX/XX/XXXX, that my dispute case had been reopened, and that a secondary investigation and-or review had been initiated. I was also told that a temporary credit of - {$7700.00} would be applied to by current balance, that my minimum payment would be set to {$0.00}, that my due date would be set to Not Available, and that all of these changes would remain in effect until they had completed their investigation and arrived at a ruling.
On XX/XX/XXXX, after noticing that no temporary credit had been applied to my current balance, that my minimum payment had been set to {$120.00}, and that my due date had been set to XX/XX/XXXX, I again telephoned the dispute center to find out why what I was seeing online regarding my account did not coincide with what they had said to me during my XX/XX/XXXX telephone conversation with them. Their response was that what I was seeing online was the result of an automated computer-system process. They went on to tell me that everything was all right, that my dispute case was still active and being reviewed, and that I was not responsible for making the payment as it was displayed online. In essence, what the dispute center was telling me was to completely disregard everything about my account that I was seeing online.
On XX/XX/XXXX, I made no payment against my cards outstanding balance because the dispute center had told me that I was not responsible for making any payments until after the dispute case had been closed and they had arrived at a ruling.
On XX/XX/XXXX, my account was assessed a late payment fee of {$25.00}, my outstanding balance was increased to {$6400.00}, my minimum payment had been increased to {$250.00}, and my due date had been set to XX/XX/XXXX.
On XX/XX/XXXX, I again made no payment against my cards newly-increased outstanding balance because the dispute center had told me that I was not responsible for making any payments until after the dispute case had been closed and they had arrived at a ruling.
On XX/XX/XXXX, my account was assessed a late payment fee of {$35.00}, my outstanding balance was increased to {$6400.00}, my minimum payment had been increased to {$380.00}, and my due date had been set to XX/XX/XXXX.
On XX/XX/XXXX, I telephoned the dispute center to find out why my dispute case was not being handled in the manner that I was told it would be handled during the previously described XX/XX/XXXX and XX/XX/XXXX telephone conversations, why my account was being assessed late payment fees, why my outstanding balance was being increased on a monthly basis, and why I had received no updates of any variety regarding my dispute case. Their response was that they had no explanation as to why my dispute case was being handled in the manner that it was. They went on to say that I hadnt received any updates from them because the case had been closed and ruled in my favor and that I had been given a permanent credit for the entire disputed amount ( {$9200.00} ). They also said that they would send an email to the dispute investigator ; that I would receive a call from the dispute investigator within 24 hours ; and that the dispute investigator would explain to me why my dispute case had been handled the way that it had been, why I had received no status updates, and when I would be able to see that the permanent credit to my account had been applied.
On XX/XX/XXXX, I received an alert from XXXX informing me that Fifth Third Bank had reported to both XXXX and XXXX that I missed two consecutive payments against my credit cards outstanding balance.
Also on XX/XX/XXXX, I again telephoned the dispute center when the call from the dispute investigator that I was promised to receive by XXXX EDT on XX/XX/XXXX never took place. During this XX/XX/XXXX telephone conversation, I was told essentially the same things that had been told during the XX/XX/XXXX telephone conversation. I was also told that the dispute investigator had attempted to reach me by telephone, but that I did not answer. This was a deliberate lie. For, if my phone had registered a missed call, it would have appeared on my phones log of missed calls. There was no missed call on my phone on XX/XX/XXXX. In fact, the last time my phone registered a missed call was from another business entity and occurred on XX/XX/XXXX. When I pointed this out to the dispute representative I was speaking with, she remained silent. When I suggested that my case could be more quickly resolved if the dispute center would just transfer me over to the dispute investigator, I was told that the dispute investigator entity does not accept incoming calls and that the dispute investigator would call me within 1 to 2 business days. Here is where a communication barrier comes into existence. For, if the dispute investigator calls me at a time of day when I can not field the call, then how am I supposed to return that call if the dispute investigator does not accept incoming calls?
On XX/XX/XXXX, which is the first of the two business days that I was told I would receive a call from the dispute investigator, no call from the dispute investigator took place.
On XX/XX/XXXX, which is the second of the two business days that I was told I would receive a call from the dispute investigator, no call from the dispute investigator took place.
In summary, since the XX/XX/XXXX initiation of my dispute case, all of the following statements hold true as of XX/XX/XXXX.
The only formal documentation I have received from the dispute center a letter telling me that some of the disputed transactions had been ruled in my favor on XX/XX/XXXX, a XX/XX/XXXX letter telling me that the rest of the disputed transactions were not capable of being disputed, and an XX/XX/XXXX letter telling me that my dispute case was closed and that they had ruled in my favor. However, the transactions denoted on this XX/XX/XXXX letter were the exact same transactions that had been reversed or nullified in my favor on XX/XX/XXXX. And, it was the receipt of this XX/XX/XXXX letter that prompted me to initiate the XX/XX/XXXX telephone conversation with the dispute center as it is described above.
There has been no formal request for additional information regarding any of the transactions involved in the dispute case.
A temporary credit of the dispute-case amount was never applied to my account, which violates Federal law as I know it to be.
My payment due process was never put on hold, which violates Federal law as I know it to be.
Fifth Third Bank has reported to both XXXX and XXXX that I have missed two consecutive payments, which violates Federal law as I know it to be.
I have been provided with no along-the-way updates as to the present status of my dispute case.
If XX/XX/XXXX is stipulated as the dispute case initiation date, then the dispute case is now over 60 days old.
If XX/XX/XXXX is stipulated as the dispute case initiation date, then the dispute case is now over 100 days old.
I do not know whether or not this will be of any benefit. But, I am going to provide it to you just the same. What follows is a direct quote from Counselor XXXX XXXX, one of the trial attorneys involved with the FTCs case against XXXXwhich is case XXXX. Counselor XXXX quoted statement is as follows : When you dispute a charge, federal laws require your credit card company to immediately credit the disputed charge to your account and then investigate whether your dispute is valid.
I realize that Fifth Third Bank is a private bank. Nevertheless, I do not feel that their status as a private bank should allow their dispute center to operate outside and above Federal law whichconsidering what you have readthey have done.
Pursuant to what you have read, I am seeking your assistance in getting my dispute case with Fifth Third Bank resolved in my favor because there is no logical reason for them to be handling my dispute case in the manner described in this document and also no logical reason for them to have nullified some transactions and not have nullified other transactions when all of the involved transactions are identical with the exception of having different transaction dates.
The dispute center will more than likely tell you that they refused to nullify the eight of the transactions involved in the dispute case because their individual transaction dates fell outside a 60-day notification window. So, heres a rebuttal argument you can use.
On XX/XX/XXXX, they nullified a transaction having a transaction date of XX/XX/XXXX. The 60-day window for notifying them about this particular transaction would have closed on XX/XX/XXXX. The notification date of this particular transaction was XX/XX/XXXX. However, they nullified the transaction even though its transaction date fell outside their 60-day notification window.
On XX/XX/XXXX, they nullified a transaction having a transaction date of XX/XX/XXXX. The 60-day window for notifying them about this particular transaction would have closed on XX/XX/XXXX. The notification date of this particular transaction was XX/XX/XXXX. However, they nullified the transaction even though its transaction date fell outside their 60-day notification window.
Since they did this for two of the transactions have transaction dates that fell outside their 60-day notification window, there is no logical reason for them not to have nullified all the other transactions having transaction dates that fell outside their 60-day notification window.
Attachment Descriptions : CFPB_ATCH_A is a copy of the letter that I mailed to the dispute center on XX/XX/XXXX.
CFPB_ATCH_B is a pdf image of the XX/XX/XXXX credit card statement which denotes the nullification of a small number of the disputed transactions and the absence of the required temporary credit regarding the remainder of the disputed transactions.
CFPB_ATCH_C is a pdf image of the XX/XX/XXXX credit card statement which denotes the assessment of a {$25.00} late payment fee and the increase of the current balance by that amount.
CFPB_ATCH_D is a pdf image of the XX/XX/XXXX credit card statement which denotes the assessment of a {$35.00} late payment fee and the increase of the current balance by that amount.
CFPB_ATCH_E is an XXXX spreadsheet containing downloaded transactions from a different card which denote the paying of XXXX monthly {$19.00} membership fees for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX, the paying of these monthly membership fees was moved over to the Fifth Third Bank credit card.
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| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dear Sir or Madam : On XX/XX/XXXX, the Complainant had received an email alert message from XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX which had stated : Your credit score changed on XX/XX/XXXX and is now within a new score band.
New Credit Score Band : FAIR Previous Credit Score Band : VERY_GOOD. See Exhibit A.
In which, the XXXX XXXX XXXX file XXXX Score had decreased by ways of XXXX ( XXXX ) points from XXXX XXXX and XXXX ( XXXX ) points dated on XX/XX/XXXX, to XXXX XXXX and XXXX ( XXXX ) points dated on XX/XX/XXXX, in less than XXXX ( XXXX ) days without Equifax adding any new revolving, mortgage, or installment debts accounts, as a legitimate reason for the Complainants XXXX credit file XXXX Score to had decreased by way of XXXX ( XXXX ) points. See Exhibit B. And, on XX/XX/XXXX, the Complainant had made an online purchase, in the amount of XXXX dollars and fifty-four cents ( {$19.00} ) using her second ( 2nd ) Fifth Third Banks secure credit card ending in the account number, XXXX, as the payment instrument. See Exhibit C. Also, the Complainant had paid off her Fifth Third bank secure credit card ending in the account number, XXXX debt, in the amount of XXXX dollars and XXXX cents ( {$19.00} ) dated on XX/XX/XXXX, that was paid before the Fifth Third Bank requested payment due date on XX/XX/XXXX which is stated onto the Complainant new Fifth Third Banks statement cycle dated from XX/XX/XXXX to XX/XX/XXXX, before the Fifth Third Bank could have determined the Complainant payment was a late payment ; in order to decreased her XXXX credit file XXXX Score from XXXX XXXX and XXXX ( XXXX ) points to XXXX XXXX and XXXX ( XXXX ) points should have not affected the Complainants XXXX credit file XXXX Score of XXXX XXXX and XXXX ( XXXX ) points. See Exhibit D. As a result, the second ( 2nd ) Complainants Fifth Third bank secure credit card ending in the account number, XXXX is the replacement card for which, an assailant who is unknown to the Complainant had made negligent, false and misrepresentation call statement to the Complainants Fifth Third Bank, lost and stolen telephone automated prompt messages system or to the Fifth Third Banks Disputes Resolution Department, telephone representative for which the assailant had unlawfully cancelled the Complainant first ( 1st ) Fifth Third Bank secured credit card ending in the account number, XXXX dated on XX/XX/XXXX without the Complainant lawful authority. See Exhibit E. Therefore, the Complainant is very concern about her XXXX credit file XXXX Score of XXXX XXXX and XXXX ( XXXX ) points dated on XX/XX/XXXX, which had greatly and considerably decreased by ways of XXXX ( XXXX ) points : 1. without any new revolving, mortgage, or installment debts accounts being added to her XXXX credit file account with a legitimate explanation ; and 2. after, the Complainant had paid off her Fifth Third bank secure credit card ending in the account number, XXXX debt dated on XX/XX/XXXX, from her new XXXX XXXX XXXX statement cycle dated from XX/XX/XXXX, to XX/XX/XXXX, and, the payment due date is on or before XX/XX/XXXX, should have not affected the Complainants XXXX credit file XXXX XXXX and XXXX ( XXXX ) points XXXX Score.
Furthermore, XXXX should have not economically disadvantaged and disproportionately affected or effected the Complainants XXXX credit file XXXX Score, and the Complainant is questioning now, her XXXX credit file XXXX XXXX determination threshold calculation rate procedures which is inconspicuously decreased the Complainants XXXX XXXX Score by ways of XXXX ( XXXX ) points in a reduction credit without any legitimate explanations. And, Equifax should have programmatically coded and mathematically calculated the Complainants XXXX credit file XXXX Score without any human manually adjusted interferences towards correctly calculating the Complainants XXXX credit file XXXX Score. In conjunction with the Complainant is also questioning the XXXX XXXX XXXX ( IT ) noncompliance application for calculating the Complainants XXXX credit file XXXX score calculations instead of the manual human input XXXX score calculations practices in accordance to the Fair Credit Reporting Act ( FCRA ) contained in the Consumer Credit Protection Act of 1968 ( CCPA ) such as, the Truth in Lending Act ( TILA ) and, the Fair Debt Collection Practices Act ( FDCPA ) are as follows : Title 15 U.S.C. 1681c ( relating to the Requirements Relating to Information Contained in Consumer Report, Title 15 U.S.C. 1681g ( c ) ( relating to the Summary of Rights to Obtain and Dispute Information in the Consumer Reports and to Obtain Credit Scores ), Title 15 U.S.C. 1681g ( f ) ( relating to the Disclosure of Credit Scores ), Title 15 U.S.C. 1681g ( g ) ( relating to the Disclosure of Credit Scores by Certain Mortgage Lenders ), Title 15 U.S.C. 1981 ( i ) ( relating to the Procedure in the Case of Disputed Accuracy ) and Title 12 C.F.R. 1022.72 ( relating to the General Requirements for Risk-Based Pricing Notices ).
The Complainant had analyzed, her Equifax credit file XXXX Score points and she had determined, learned and experienced from this second ( 2nd ) written complaint either XXXX or Fifth Third Bank has/had incorrectly calculated and reported the Complainant High Credit ( H/C ) limit purchased amount of the XXXX dollars and XXXX cents ( {$19.00} ) divided by the Credit Limit ( C/L ) which is incorrectly calculated and reported by either XXXX or Fifth Third Bank, as the C/L amount of the XXXX dollars and XXXX cents ( {$19.00} ). And, the XXXX amount divided by the C/L amount is equal to XXXX XXXX percent XXXX 100 % ) of the Complainants XXXX credit file XXXX Score that has maximized her threshold credit utilizations ; in order to become greatly and considerably decreased by ways of seventy-eight ( XXXX XXXX points. Instead of the correct C/L amount of the XXXX XXXX dollars ( {$300.00} ) which should have been calculated and posted, as the Complainants XXXX credit file XXXX Score mathematical denominator due from either XXXX or Fifth Third Bank who [ m ] had knowingly and willfully participated and acted into a said negligent, false, or misrepresentation statements for incorrectly calculating and reporting the Complainants Equifax credit file XXXX Score miscalculations. And, the Complainant C/L amount has/had been incorrectly calculated and reported into her XXXX credit file XXXX Score account that seems to be unlawfully well-masked into the Equifax database system which is inconspicuously appeared or shown, as the correct XXXX Score calculation into the Complainants XXXX credit file account when it is not the correct XXXX Score calculations ( See Exhibit B and F ) ; in violations of the Summary of Rights to Obtain and Dispute Information in the Consumer Reports and to Obtain Credit Scores, Title 15 U.S.C. 1681g ( c ) and, the Disclosure of Credit Scores, Title 15 U.S.C. 1681g ( f ), and, the Procedure in the Case of Disputed Accuracy, Title 15 U.S.C. 1981 ( i ), and the General Requirements for Risk-Based Pricing Notices, Title 12 C.F.R. 1022.72. And, as a result of either XXXX or Fifth Third Bank inconspicuously miscalculated of the Complainants XXXX credit file XXXX score C/L in the amount of XXXX dollars and XXXX cents ( {$19.00} ) are as follows : XXXX XXXX Score Incorrect Mathematical Calculation High Credit ( H/C ) {$19.00} divided by Credit Limit ( C/L ) {$19.00} Equifaxs XXXX Score Percentage 1.00 % If either XXXX or Fifth Third Bank had calculated and reported the Complainants Equifax credit file XXXX Score correctly than the Complainants XXXX H/C limit purchased in the amount of XXXX dollars and XXXX cents ( {$19.00} ) divided by the C/L which is the Complainants Fifth Third bank secure credit card ending in the account number, XXXX, credit limit in the amount of XXXX XXXX dollars ( {$300.00} ) should have been calculated and posted, as her Equifax credit file XXXX Score equal to XXXX percent ( 7 % ) which is below the XXXX percent ( 30 % ) threshold required by XXXX XXXX XXXX, XXXX in accordance to the General Requirements for Risk-Based Pricing Notices, Title XXXX C.F.R. XXXX that should have increased the Complainants Equifax credit file XXXX Score are as follows : XXXX XXXX XXXX XXXX Mathematical Calculation High Credit ( H/C ) {$19.00} divided by Credit Limit ( C/L ) {$300.00} XXXX XXXX XXXX XXXX 0.07 % Now, the question remains unclear is, what happen to the Complainants XXXX credit file XXXX Score, if the Complainant paid off her Fifth Third bank secure credit card ending in the account number, XXXX to a XXXX balance? And, does that means, the XXXX XXXX XXXX, XXXX or Fifth Third Bank has the lawful authorities or rights to decrease the Complainants XXXX credit file XXXX Score by way of XXXX ( XXXX ) points by reason of the Complainant paying off her Fifth Third bank secure credit card ending in the account number, XXXX account? Even though, the Complainants Fifth Third bank secure credit card ending in the account number, XXXX remains open or, either XXXX or Fifth Third Bank has/had made negligent, false and misrepresentation statements for reporting the Complainant XXXX credit file revolving account, as close when her Fifth Third bank secure credit card ending in the account number, XXXX account is not close. And, this is another reason why, the Complainants XXXX credit file XXXX Score is intentionally miscalculated and decreased by ways of XXXX ( XXXX ) points without proof or evidence from either Equifax or Fifth Third Banks Disputes Resolution Department who [ m ] should have provided a legitimate explanation.
In addition, the Complainant can not retrieve her Equifax free weekly annual credit report online from the website annualcreditreport.com. After, the Complainant had entered of all her correct Personal Identifiable Information ( PII ) onto the XXXX website than she will receive an error message. And, on XX/XX/XXXX, the Complainant had uploaded into her XXXX account within her online dispute, copies of the Complainant actual identification documents such as, her North Dakota Real ID driver license and XXXX XXXX XXXX, as proof or evidence of her identity. Therefore, the Complainant should not have to provide, any copies of her actual identification documents, again. After, the Complainant had ready submitted those actual identification copies within her XXXX credit file account dispute online dated on XX/XX/XXXX. See Exhibit G.
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| 02/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We deferred payments in XXXX, at the start of the COVID-19 pandemic. We then started making regular mortgage payments when the deferral was over, selecting the option to place the deferred payments on the back end of our mortgage. In XXXX of XXXX, our income was suffering as our jobs were heavily affected by the pandemic and shutdowns. We called Fifth Third Bank to discuss options and we were then placed back on a 2nd deferred payment plan.
In XXXX of XXXX, while still on deferment, we listed our home for sale. During this process we accepted an offer that was set to close on XX/XX/XXXX. That deal ended up falling through. As part of this process a mortgage loan payoff statement was provided by Fifth Third on XX/XX/XXXX and was valid through XX/XX/XXXX ( document attached ). This document does not show a past due amount. Following the deal falling through, we began making payments again, to ensure we stayed in good standing. Payments were made in both XXXX and XXXX of XXXX. During this time, the home was still listed for sale.
We once again accepted an offer with a scheduled closing date of XX/XX/XXXX. On XX/XX/XXXX our title company contacted Fifth Third Bank for a new Mortgage Loan Payoff Statement and was told our account was in delinquent status and a payoff could not be provided. At this time we had received no mail, phone, or email communication regarding missing or late payments. We immediately called Fifth Third Bank directly to discuss our account. They were able to verify that our mortgage payments had been incorrectly applied to our previously deferred payments and not to the XXXX and XXXX payments. They reapplied the money to our mortgage and assured us our account was in good standing and there would be no penalties. Fifth Third Bank also said this would not affect our credit and would be adjusted with the credit bureaus as needed. Fifth Third Bank then issued a Mortgage Loan Payoff Statement to our title company. ( document attached ) On XX/XX/XXXX, Fifth Third Bank also mailed us a letter Re : Your Missing or Misapplied Mortgage Payment Has Been Posted. ( document attached ).
We closed on the home XX/XX/XXXX, and the account was paid in full. ( Loan payoff issued XX/XX/XXXX document attached ) On XX/XX/XXXX, we both checked XXXX XXXX as we were applying for a mortgage to purchase a condo. At this time we discovered our credit scores had dropped close to 200 points. The mortgage account with Fifth Third Bank was not only still open/active but was now showing we were 120 + days past due. There was no additional information listed as to what payment was late and there were no derogatory marks listed on the credit report. We decided to call Fifth Third Bank directly, assuming this may have something to do with why they originally claimed our account was diligent to our title company back in XXXX. The communication with Fifth Third Bank was as follows : XX/XX/XXXX at XXXX ( 40 minutes ) - Most of the time was spent on hold. The customer service representative let us explain our questions and put us on a silent hold to review the notes on the account. After about 5 minutes on a silent hold the rep just hung up the phone.
XX/XX/XXXX at XXXX ( 38 minutes ) - Again most of this was hold time. Spoke to an agent named XXXX who verified Fifth Third Bank closed our mortgage account on XX/XX/XXXX and a letter was in the mail stating such. He also said Fifth Third Bank would report the mortgage as paid off and closed in the beginning of XXXX. He also stated that it should eliminate the late payment ( which he could not account for ) therefore returning our credit scores to the previous status. We asked if we could verify this with a manager or speak to someone to make sure this was getting cleared up since we already had them on the phone. He said he couldnt transfer us to anyone else, and we wouldnt get a different answer.
The new lender we were working with was also using all the information we had provided to work with a rescore agency but Fifth Third Bank would not work with them as a third-party to verify our account was closed and in good standing. The lender recommended we reach out to each credit bureau to open a dispute in hopes it would move the process along faster.
Within a couple weeks XXXX, XXXX, and XXXX all reported back that Fifth Third Bank verified the mortgage account was closed but would not verify the removal of a late payment at this time.
We attempted to get a mortgage statement with a detailed breakdown of when payments were made. We called and visited a local branch. We were informed that we are unable to obtain these due to the account being closed. We were able to verify both the XXXX and XXXX payment of {$2600.00} with transaction IDs ( available upon request ).
We did find a timeline of transactions with the XXXX dispute report ( XXXX dispute report attached ). This report clearly shows an amount past due column. You will find that this column is blank up until XXXX of XXXX when it then increases to {$19000.00}. We believe when the Mortgage payoff was requested it incorrectly moved our deferred payments to delinquent status.
Returning to the call we made to Fifth Third Bank on XX/XX/XXXX regarding our account being delinquent, it becomes even more clear that the XX/XX/XXXX and XX/XX/XXXX mortgage payments had been applied to the deferred payments. Once Fifth Third Bank moved those payments back to the mortgage, where they should have originally been applied, it somehow moved the deferred payments into past due. We were not made aware of this information during the XX/XX/XXXX phone call and this doesnt appear on the Mortgage Loan Payoff provided by Fifth Third Bank . This was new information that came to us after closing the mortgage.
We tried speaking with Fifth Third Bank again to explain the issue. None of the customer service agents were able to help. We requested a call back from a manager in mid XXXX. The requested call back never took place.
We contacted our original mortgage officer, XXXX XXXX, as we had nowhere else to turn. She took our information and documentation, and forwarded it to her supervisor, XXXX XXXX. XXXX stated he needed to push this information further up the chain. He informed us we would receive a call from the appropriate department that was able to help with these types of issues. As a result of this XXXX received a call from Fifth Third on XX/XX/XXXX.
On Wednesday, XX/XX/XXXX a customer service representative ( not a manager ) from Fifth Third Bank called us. We explained the issue at hand. We were initially told that we did not have a second forbearance. After explaining the situation and going over the documentation listed above, the representative placed us on hold to check with the forbearance department. When the agent came back on the phone, she explained that we were mailed a letter in midXXXX, providing us three options to handle the deferred payments.The agent went on to explain that because we did not select one of the three options, by the time the mortgage was paid off, they show our account as delinquent. It is important to note that to this day, XX/XX/XXXX neither of us have received the letter they claim they sent. Fifth Third is unable to provide tracking information or delivery confirmation.
During this call we were informed that due to the mortgage being closed, there is no way to correct this issue. She continued to insist that they contact us by phone numerous times. She also confirmed we could have verbally selected one of the three options. We asked what numbers they called, two of the numbers she repeated back do not belong to either of us ( work or personal ). One of our phone numbers was not even listed as a possibility to call even though both names are on the mortgage.
The representative could not provide any specific dates and times the calls were made. She only had a note regarding the mailed letter but did not send it certified mail so has no receipt of it going out or being delivered. Again, she went on to say that the account was closed on XX/XX/XXXX and the deferred payments were closed in delinquent status. She repeated there is no way to correct this once an account is closed.
Fifth Third hides behind the claim they reached out to us numerous times. However, they acknowledged that we were able to verbally confirm how we wanted our deferral status handled. Yet, not one time did they mention this to us on the numerous documented and recorded phone calls where we contacted the bank directly. This includes two days prior to us closing on the mortgage, questioning the delinquent status of the account.
The XXXX report also shows the account was closed at 120 past due and as I write this letter to you now, it has not been 120 day since XX/XX/XXXX. There is also a note on the account regarding our account being over 180 days past due which is even less realistic.
Neither of us were made aware of any late payments, deferment options being needed, or any issues on our account until the day before our closing. Even at this time, the information came second hand from the title company and not Fifth Third Bank. Once the call was made, the representative gave us the impression it was Fifth Third Banks mistake, it was corrected, and we went on to close on the property. If we were 120 or 180 days delinquent this would not have been possible. We had no chance to correct this before closing and are now stuck in a terrible position.
We are currently unable to obtain a mortgage because of how negatively this mistake by Fifth Third Bank has affected our credit. We have both spent countless hours away from our jobs and children working on this issue with a big bank that has yet to provide any help or consistent information. We are more often met with judgment, rude customer service representatives, and repeatedly hung up on by people who dont feel like dealing with this issue. Our lives are at a complete stand-still and we are left fighting this battle that feels impossible to win.
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| 12/19/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On Wednesday, XX/XX/2022 I initiated 3 separate funds transfers from 3 non-Fifth Third bank accounts into my Fifth Third bank account to consolidate where I kept my money. All 4 accounts ( including the Fifth Third bank account ) is owned fully by me, and only me, and I have all documentation to prove this ( bank statements, login credentials to online banking, debit cards where applicable ).
On Thursday, XX/XX/2022 I received an unsolicited call from a caller identifying themselves as a Fraud XXXX ( or similar ) from Fifth Third bank named XXXX ( I'm not 100 % confident in this name, but seem to recall this being the correct name ), asking me to verify the 3 amounts that I had requested to be transferred into my Fifth Third bank account. They claimed because the account was newer and the amounts being transferred were large, they needed to perform this extra level of verification in order to approve the transfers of my funds into my Fifth Third bank account. I replied that I would call them back using the publicly available customer phone number to verify the amounts. I called back, went through the phone tree, and was connected back with this department in about XXXX minutes time. I then verified all amounts that were pending to be transferred into my Fifth Third bank account down to the XXXX, just as they had requested.
At this time I was placed on hold by the customer service rep, XXXX, so he could " check on something ''. When he returned to the line, he stated that my verification was insufficient and that I would need to print out paper statements from each of the 3 other banks from which I transferred funds and present them to an in-branch bank employee so they could fax/ email them into the fraud team to review and approve. I ultimately agreed to this, then made an in-branch appointment for the next morning, Friday, XX/XX/XXXX at XXXX EST.
Upon ending that phone call, I tried to log into my Fifth Third online banking account only to notice my username and password were not being accepted. Further, I was not able to even reset my password as the website didn't recognize my account or debit card number to verify identity. I would later discover that the XXXX team placed a hold / freeze on my entire account without telling me they would do so. This was never conveyed to me, nor did I accept these terms.
On the same day, Thursday, XX/XX/2022 I called the XXXX team through the general customer service phone number again to ask if they have shut down or blocked my account. I was informed that they had frozen my account, and that it was a common tactic utilized by their team when funds verification was ongoing. Again, this was never disclosed to me until I called back and asked. For this call I was connected with a Senior Analyst named XXXX. After learning about the freeze, I asked the XXXX team employee if she would unfreeze my account, and she replied no. She stated I had to present the statements to the in-branch team at the local physical branch to verify certain details before they'd unfreeze my account. I asked her to identify what " details '' needed to be identified. She responded that each statement needed to show my name and that funds were available in the account. I repeated her words and asked her to confirm that my account WOULD be unfrozen ( not COULD be ) so long as I presented these statements, and that the statements contained my name and a record of the funds that I was trying to transfer. She responded 'yes '. This call ( and all other calls made to Fifth Third throughout this ordeal ) were all recorded by Fifth Third bank, and all of these details can be heard firsthand upon request for these recordings by the CFPB, if needed ).
On the morning of XX/XX/2022 I visited the local Fifth Third branch at which I made my appointment, and I presented all of the requested statements ; each one showing my full name, as well as the deposit records showing the funds were available in my accounts at the time of transfer to Fifth Third. These were the 2 pieces of information that XXXX had told me needed to be present on the statements in order to get my account unfrozen. XXXX XXXX was the banker who helped me in-branch, and he did a great job advocating for me when talking to his colleagues in the XXXX center.
XXXX first spoke to XXXX XXXX ( XXXX ) who had requested that XXXX scan and then email in all the bank statements I provided. XXXX scanned statements from XXXX, XXXX, and from XXXX XXXX, each showing my full name and that funds were available at the time of transfer ( please recall, this is all that XXXX in the XXXX center told me was needed to get my account unfrozen. She told me this on the recorded line, and I accepted it as fact ). XXXX reviewed the documents while we were on the phone with him, and responded back that they were insufficient to unfreeze my account due to two reasons : 1. my address wasn't listed on the bank statements ( please recall that XXXX did not say an address was needed on the statements ), and 2. the XXXX statement submitted was delivered slightly rotated or slanted ( not aligned XXXX degrees after XXXX scanned the documents to email to XXXX ). I successfully contested item # XXXX by stating a scanner could easily skew orientation, but they stuck to point # XXXX that an address needed to be displayed in order to unfreeze my account. Around this time, XXXX asked for the help of his manager for this situation and transferred the call. The manager was XXXX XXXX ( XXXX ) and his title was Financial Crimes Lead at Fifth Third Bank. I was shocked to hear that this wasn't the catch-all " XXXX '' department that I had been dealing with, but rather a XXXX XXXX XXXX This was never disclosed to me during the interactions with Fifth Third until I requested contact info and titles for each employee I spoke with.
With XXXX now on the phone with XXXX and I, he asked if he was on speakerphone ( he was ) and that he be removed from speakerphone so he could speak privately with XXXX. XXXX picked up the handset and removed XXXX from speakerphone. XXXX claimed that XXXX had stated that we needed to send in new bank statements for each bank to re-review before he would unfreeze my account. XXXX re-stated the request ( that all he would need to provide were new, complete statements without any redacting of information to XXXX and that included my name, address, page numbers, and funds availability and he would unfreeze my account ) and he gained an allegedly affirmatory response from XXXX. XXXX then hung up on the call at this point and told XXXX to email the documents to his attention to review. I downloaded new statements from the XXXX, XXXX, and XXXX XXXX websites from my phone while sitting with XXXX in the branch, emailed them to XXXX, and he delivered them to XXXX to review. After another review of the documents, XXXX again declined to unfreeze my account, and went further stating that they were ending my relationship with Fifth Third bank. XXXX stated that even though the name and address were present in the full statements, he wouldn't approve them as qualified statements to fulfill the bank 's request to unfreeze my account because : 1. the statements were from the same time period as the ones initially provided, and 2. Two of the statements were from business accounts of which I was the sole owner and employee ( please recall that this was never a cited issue in any previous communications I had with any employee of Fifth Third bank, and the recorded calls to the company will verify this ).
After the 2nd declination to unfreeze my account and the ultimate closure of the account, I accepted that the bank would not unfreeze my account, and that they were ending their business relationship with me. XXXX was able to withdraw the available funds I had in my Fifth Third checking account ( {$990.00} ) and provide me a receipt for the withdrawal. However, and this is the major issue I have with this interaction, XXXX was unable to provide me the funds that Fifth Third bank were still holding from the attempted money transfers from my other 3 banks. The funds were REMOVED from my other 3 bank accounts as debit transactions and delivered to Fifth Third bank, but they were unable to provide me either any monetary instrument in-branch for those funds.
Those funds totaled {$42000.00}.
As you can see, this is a significant amount of money to be told is simply unavailable. I had asked XXXX to provide me my funds before leaving the branch, and he replied that he was unable to do so. He emailed XXXX to ask when and how I would receive my fund back to use, and XXXX responded that they would appear back in my originating bank account ( XXXX, XXXX, and XXXX XXXX ) by Monday, XX/XX/2022. As of today ( Monday, XX/XX/2022 ) at XXXX EST, the funds are still not present in my XXXX XXXX XXXX XXXX or XXXX XXXX bank accounts, and I have no updates on the status of the return or the location of the funds.
As you can see, I complied with each and every request made by Fifth Third bank, and they still refused to unfreeze my account or accept the incoming money transfers into my sole-owned Fifth Third from my other sole-owned accounts at XXXX, XXXX, and XXXX XXXX. I was explicitly told that they " would '' unfreeze my account after I delivered paper statments from each of the 3 preceding banks that listed out my name and proof of funds availability, and this can all be verified by pulling the recordings of each conversation I had with the Fifth Third Senior Analysts I spoke with. I currently do not have access to {$42000.00} of my money, nor do I have an update on when I'll have access, as the initial promise-by date made by XXXX XXXX has since passed.
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| 06/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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I received a letter in the mail from Fifth Third Bank when I was late on one payment but never anything after that. ( So I know I can get mail from them/They have the correct address ) I had to reach out to them to send me a title and never got one. They gave me the run around for months as you can see in the transcripts. I NEVER got anything in the mail about my title or release of lien. They want me to pay the fee to get a new title because they say they mailed out the title and release of lien but I NEVER received it. Also did not receive their fax the first time and the second time took a week before receiving it.
Paid off my title loan on XX/XX/2022.
XX/XX/2022 I reached out to Fifth Third Bank to see when I would be getting my title. ( THEY NEVER REACHED OUT TO ME ) Transcripts XX/XX/2022 Fifth Third Bank " Hello XXXX, I am happy to provide you with the necessary information regarding the processing of your installment loan payoff. Once your current installment loan is paid off, it generally takes ten ( 10 ) business days to process the payoff from the date the payoff funds post to your account. Once the payoff is processed, any additional funds are sent to you and the title/lien release will be sent to you via mail. '' XX/XX/2022 Me " Okay, I paid off my loan on XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have my title. Where is my title? It has been well over 10 days. '' XX/XX/2022 XXXX " I paid off my loan on XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have my title. Where is my title? It has been well over 10 days. '' Fifth Third Bank " XXXX XXXX. Thank you for contacting Fifth Third Bank, this is XXXX. I am here to make your day a Fifth Third better. I'm happy to assist you with the car 's title. Let me take a look. I apologize for the delay there. We would need to send you the release of lien and then you take to the DMV and they create the title for you. We can mail it to you or fax it. To mail it please provided you with the mailing address and to fax it please provided the fax number. It take XXXX business days to generate plus mail time to arrive if mailed and just XXXX business days if faxed. '' Me " This is RIDICULOUS! I have paid off my loan over a month ago and contacted many times and just now hearing that I have to have a release of the lien! WHY WAS I NOT CONTACTED BEFORE ABOUT THIS??
Read fax number XXXX why was I not contacted about the release of lien? '' Fifth Third Bank " The fax has been requested. The mailed copy has also been requested. The request number is XXXX. Unfortunately we would not contact you about the release of XXXX and title being sent out. The XXXX was released when the title was sent out to you XXXX business days after the loan closes to the address we have on file. '' Me " Okay I never received any release of XXXX or title and IT HAS BEEN OVER A MONTH SINCE PAYING OFF THE LOAN. Also, you stated " title being sent out '' but just a few minuets ago you said you do not sent the title out.
the loan closed over a month ago WELL OVER the 10 days and nothing was sent out Fifth Third Bank XXXX - XXXX PM Sorry I should clarified that I mean when the title was sent out when the loan closed original that was mistake at poorly wording that. We show those sent back on ********. '' Me okay if it was sent ******** then it was a month yesterday and still not received.
XX/XX/2022 XXXX " I still have yet to receive my release of XXXX!
It is now XX/XX/XXXX!!! On XX/XX/XXXX it was suppose to be sent out!
Was also suppose to be faxed and has not been faxed '' Fifth Third Bank XXXX - XXXX XXXX Thank you for contacting Fifth Third Bank, this is XXXX. I am here to make your day a Fifth Third better.
Hello XXXX! I am very sorry to hear you have not received the release of lien. I can review the inputted requests and help get another one ordered.
I show the original release of lien was sent via USPS to the address on file XXXX.
There was then a new request for a ROL on XXXX and the release of XXXX documents were sent to the same address on file XXXX.
Release of lien documents take three business days plus mail time to arrive ( 5-7 business days ). Today marks the 4th business day of mail time. I would expect the document to arrive no later than next Wednesday or Thursday depending on your mail carrier/delivery.
Me What was the tracking? It was never received. Also where do you get the 4th business day? Today makes the 6th business day is it was sent out on XXXX*** Read what is the tracking number?
Fifth Third Bank XXXX - XXXX XXXX Thank you for contacting Fifth Third Bank, this is XXXX. I am here to make your day a Fifth Third better.
Hello XXXX, I would be happy to go over your release of lien today. I do show that the item was mailed, it takes 1-2 business days to go out in our mail and then standard mail time to arrive. I believe you should receive the document sometime this week.
XX/XX/2022 Me I have yet to receive my release of loan it was suppose to be sent out twice now and the second time was XX/XX/XXXX but today is the XXXX and I have yet to receive anything from you guys!
Fifth Third Bank XXXX - XXXX XXXX Thank you for contacting Fifth Third Bank, this is XXXX. I am here to make your day a Fifth Third better.
XXXX - XXXX XXXX XXXX, I apologize you had to contact us regarding that loan account. I am happy to review your account regarding that loan.
XXXX - XXXX XXXX I am connecting you with a loan agent who can review that account.
XXXX - XXXX XXXX Hello, my name is XXXX. I am here to make your day a Fifth Third better. The previous representative had to step away for a moment but I have read your request and am ready to help! XXXX, I am very sorry that has not been received yet! I will definitely look into this.
XXXX - XXXX XXXX Congratulations on the payoff! That is very exciting!
Yes, I am showing that it was sent on *******. I apologize, however, I am not seeing a request done on XXXX, but I will definitely submit another request.
XXXX - XXXX XXXX XXXX XXXX : 3 Business Days The adjustment request was successfully submitted. The request number is XXXX.
Me I will need a supervisor or management number because this has gone on way to long. Okay well the representative said in XXXX they would send another one out and if your not seeing it that means they did not send one out so I have been waiting once again for nothing.
" ( copied & Pasted earlier reply ) Thank you for contacting Fifth Third Bank, this is XXXX. I am here to make your day a Fifth Third better.
Hello XXXX! I am very sorry to hear you have not received the release of lien. I can review the inputted requests and help get another one ordered.
I show the original release of lien was sent via USPS to the address on file XXXX.
There was then a new request for a ROL on XXXX and the release of lien documents were sent to the same address on file XXXX.
Release of lien documents take three business days plus mail time to arrive ( 5-7 business days ). Today marks the 4th business day of mail time. I would expect the document to arrive no later than next Wednesday or Thursday depending on your mail carrier/delivery.
This is what your representative said sorry it was sent out again on XX/XX/XXXX not XX/XX/XXXX, I contacted on XX/XX/XXXX.
Read It is now XX/XX/XXXX and I have yet to receive anything! And I was told it would also be faxed and it was not.
Fifth Third Bank XXXX - XXXX XXXX I understand and I am sorry that you are going through this. I would recommend contacting customer service if you need it expedited. They may be able to.
************. Representatives are available to assist XXXX XXXX XXXX and XXXX XXXX XXXX.
I am sorry for the frustration that the bank has caused you.
Okay, thank you. Yes, I am seeing that those were successfully sent.
I did put in another request. If you would like it faxed, what is that fax number, please? I will submit that request again as well.
Me fax number *********** XX/XX/2022 Me When I call the customer service number it says the account is closed and to end call it does not let me get to an operator.
Fifth Third Bank XXXX - XXXX XXXX Thank you for contacting Fifth Third Bank, this is XXXX. I am here to make your day a Fifth Third better.
XXXX - XXXX XXXX I'd be happy to check on that release of lien for you, XXXX!
XXXX - XXXX XXXX I am showing that the release of lien was mailed to you on *********. It should be arriving sometime next week.
Me how can i believe that when you guys have said this MORE THEN ONCE ALREADY and I still have yet to receive it!!
Fifth Third Bank XXXX - XXXX XXXX I can verify the address to make sure it's being sent to the correct place, if you'd like. Can you provide the mailing address this was to be sent to?
Me It was " suppose '' to mailed out several times now and I keep getting the run around!
XXXX XXXX XXXX XXXX, TN XXXX Fifth Third BaXXXX XXXX XXXX XXXX the order now and it was completed and sent yesterday. Give me a moment to check that address.
XXXX - XXXX XXXX That is the address I am showing on the request.
Request # : XXXX XXXX XXXX XXXX XXXX Was there anything else I could assist you with today?
after this I called to speak with supervisor who finally returned my call and left a voicemail stating that the only paper title was mailed out to me on XX/XX/2022 XXXX
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| 09/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I did a consumer credit transaction with Fifth Third Bank Title 15 U.S. Code 1679a ( 2 ) The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.
I filled out a Credit Application with Fifth Third Bank Fifth Third Bank is A National Bank Part Of The National Banking Associate National Bank Act does not authorize Fifth Third Bankto lend credit Title 12 U.S.Code 24 sets forth powers of national banks.
XXXX XXXX XXXX XXXX vs. XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX, ( 1927 ), it was stated, It has been settled beyond controversy that a national bank, under Federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another.
In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. Farmers and Miners Bank v. Bluefield Natl Bank, 11 F 2d 83, 271 U.S.669.
I use my federal credit card information on the credit application Title 15 USC 1602L The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Once I gave Fifth Third Bank I applied my credit card information to the credit application I gave Fifth Third Bank CREDIT.
Denying the credit application would be considered Unauthorized use of my credit card & unauthorized access device Title 15 U.S. Code 1602pThe term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Title 18 U.S. Code 1029e1 the term access device means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds ( other than a transfer originated solely by paper instrument ) ; Title 18 U.S. Code 1029e ( 3 ) any access device that is lost, stolen, expired, revoked, canceled, or obtained with intent to defraud Title 18 U.S. Code 1029e ( 5 ) the term traffic means transfer, or otherwise dispose of, to another, or obtain control of with intent to transfer or dispose of ; Title 18 U.S. Code 1029a ( 6 ) Fraud and related activity in connection with access devices Whoeverwithout the authorization of the issuer of the access device, knowingly and with intent to defraud solicits a person for the purpose of ( A ) offering an access device ; or ( B ) selling information regarding or an application to obtain an access device ; Im the ORIGINAL CREDITOR in this consumer credit transaction Title 15 U.S. Code 1602g The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement.
I am a Natural Person & Consumer Title 15 U.S. Code 1602i The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
Me XXXX XXXX Is A Natural Person An The ORIGINAL CREDITOR granting Fifth Third Bank the right to credit Title 15 u.s.c 1602f the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment Credit is my RIGHT AS A NATURAL PERSON NOT A PRIVILEGE Title 15 USC 1602L Title 15 USC 1605 Determination of Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable cash transaction.
Title 15 U.S.Code 1611 Criminal Liability For Willful And Knowing Violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Title 15 USC 1692, Congress has concluded that several companies, including yours, use abusive, deceptive and unfair debt collection practices.
I am a Consumer.
Title 15 USC 1692a ( 3 ) A consumer is defined as any natural person obligated or ALLEGEDLY obligated to pay any debt..
Fifth Third Bankis a debt collector.
Title 15 USC 1692a ( 5 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.
The credit is created by the signature of the natural person/original creditor.
I I DON'T want Fifth Third Bank Trafficking my access devices ( credit card info, mobile identification number, personal identification number & account number ) without my authorization to XXXX, XXXX, & XXXX.
Title 18 U.S. Code 1029e1 the term access device means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds ( other than a transfer originated solely by paper instrument ) ; Title 18 U.S. Code 1029e5 the term traffic means transfer, or otherwise dispose of, to another, or obtain control of with intent to transfer or dispose of ; Title 18 U.S. Code 1029a6 Fraud and related activity in connection with access devices Whoeverwithout the authorization of the issuer of the access device, knowingly and with intent to defraud solicits a person for the purpose of ( A ) offering an access device ; or ( B ) selling information regarding or an application to obtain an access device ; I am exercising my RIGHTS UNDER TITLE 15 CHAPTER 41 CONSUMER CREDIT PROTECTION Denied me my rights & CREDIT under chapter 41 is DISCRIMINATION Title 15 U.S. Code 1691a ( 3 ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.
15 U.S. Code 1691e - Civil liability Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.
Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection Fifth Third Bankobtained my credit under false pretenses!
5 U.S. Code 1681q Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
you have 10 days of receipt of these affidavits of truth to respond under penalty of perjury to this matter. If you do not comply I will be taking further actions You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. If you fail to respond or settle I will pursue a default judgement against you pursuant to Rule 55a of Federal rules of civil procedures.
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| 03/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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On XX/XX/XXXX at XXXX, I disputed the inaccurate reporting of my mortgage account with Fifth Third Bank, XXXX was the name of the representative. I specifically disputed the inaccurate reporting of my mortgage being reporting as closed since XX/XX/XXXX on my XXXX report which in fact my mortgage account is OPEN. I also specifically disputed the deletion/removal of my mortgage account on my XXXX credit report in which Fifth Third Bank had deleted in early XXXX of XXXX. Fifth Third Bank chose to delete all information from my mortgage account with XXXX instead of correcting their errors. Fifth Third Bank has had 1 year to reinsert there deletion of my mortgage account. Deleting an open paid on time account is not providing accurate information. It is truly despicable, petty and unconscionable to delete over 8 years of history on an open mortgage account. Fifth Third Banks deletion of my mortgage information is drastically affecting my credit score causing me to be denied credit and causing me to pay higher rates for the credit that I do get approved for. I am desperately trying to refinance this mortgage account and am being denied due to Fifth Third Banks lack of reporting accurate information to XXXX. Fifth Third Bank did an account review with XXXX on XXXX per one of my previous disputes and were aware again of their deletion of my mortgage account and yet still refused to resubmit my mortgage account to XXXX. I have attached a copy of soft inquires directly from my XXXX credit report for proof of this fact. I explained to XXXX that I previously disputed Fifth Third Banks inaccurate reporting and had been trying to get Fifth Third Bank to report accurate information to the credit bureaus for the past year. XXXX stated, no need to worry, Fifth Third Bank will investigate your dispute and you will receive the results in 30 days.
I received a letter from Fifth Third Bank dated just 7 days later XX/XX/XXXX which stated We have determined that your account is being reported accurately to the credit bureaus the letter was signed by XXXX XXXX XXXX, Senior Vice President. I found it unfathomable that Fifth Third Bank once again ignored the FCRA and basic consumer law. There is no way that Fifth Third Bank could have actually investigated my dispute. Ask yourself Would you want to be treated this way? I have attached a copy of that letter.
I then printed credit report pages directly from XXXX denoting the inaccurate information being reported by Fifth Third Bank and mailed those pages by priority mailed with signature of deliver conformation. I included an accompanying dispute letter to Fifth Third Bank and gave them 30 days to correct the inaccurate and missing information with the credit bureaus. Fifth Third bank received my dispute letter and documents on XX/XX/XXXX by confirmed signature of delivery. I have attached a copy of the letter I sent to Fifth Third Bank and the pages from my XXXX credit report dated XXXX which proves that they have been reporting my mortgage account closed since XXXX.
In a letter dated XX/XX/XXXX from Fifth Third Bank, they acknowledge receipt of my documents and dispute letter and informed me that they opened issue number XXXX and I would receive another letter within XXXX days. This letter was signed by XXXX XXXX, XXXX of the XXXX. I have attached a copy of that letter.
I received another letter from Fifth Third Bank dated XX/XX/XXXX. This letter stated that they are still working on my complaint. The letter further stated that they would send me their written response after completion of their research. This letter was signed by XXXX XXXX, XXXX of the XXXX. I have attached a copy of that letter.
In late XXXX of XXXX, I disputed the inaccurate information of my mortgage account being closed with XXXX directly as I had no reason to believe that Fifth Third Bank would actually correct their erroneous reporting of my account as being closed instead of accurately reporting my mortgage account as OPEN. Fortunately on XX/XX/XXXX XXXX completed their investigation and updated my mortgage account to OPEN instead of closed. I do not know how long it will be before Fifth Third Bank reports my mortgage account as closed again as that has been the repeating pattern with Fifth Third Bank for the past year. I dispute directly with a Credit Bureau and they update my mortgage account to open, then within 30-60 days Fifth Third Bank reports it as closed.
As of today, XX/XX/XXXX I have not received any further communication from Fifth Third Bank regarding their investigation of my disputes. My mortgage account has still not been reinserted into my XXXX credit report. As a consumer you do not get to pick which credit bureau is used when you apply for credit. Therefore when a potential new or existing creditor request my XXXX report it comes back with a lower score of XXXX points compared to XXXX and XXXX due to the missing mortgage account information that Fifth Third Bank deleted. This is causing me to be denied credit limit increases, denied personal loans, denied a home equity loan and denied a mortgage refinance. A mortgage account with over 8 years of history has a HUGE impact on your credit and credit score.
I have had an ongoing battle with Fifth Third Bank since XXXX of XXXX. This battle started with Fifth Third Banks refusal to release insurance proceeds from XXXX Bank in the amount of approximately {$45000.00} for repairs of my home due to water damage. The balance on my mortgage at that time was approximately {$20000.00} and the value of my home was over {$200000.00}. Fifth Third Bank had no legal reason to hold insurance proceeds above the amount of my mortgage of around {$20000.00} and to further demand that my home be repaired before they would release the insurance proceeds. I desperately needed those insurance funds to pay for repairs to my home. I had to resort to filing a complaint with the CFPB to get those funds released to be able to repair my home.
Every time for the past year when I dispute inaccurate reporting of my mortgage account, Fifth Third Bank states there reporting is accurate. Sometimes when I dispute the inaccurate reporting of my mortgage account directly with the credit bureaus, the credit bureaus correct the inaccurate information. But, after the fact, Fifth Third Bank reports inaccurate information again the following month. At this point, I can not help but to think that Fifth Third Bank is being malicious especially since there unscrupulous tactics have been going on for the past year. Mistakes happen, everyone makes them, for this erroneous reporting to continue is far beyond a simple mistake.
In respect to this current complaint of erroneous credit reporting and lack of proper investigation of my disputes, I have had enough of XXXX XXXX Banks violations of the FCRA. Fifth Third Bank has the expectation that I pay my mortgage on time. I have the expectation that Fifth Third Bank reports accurate information to the credit bureaus per the FCRA. If you report information about consumers to a CRA, you are subject to the FCRAs XXXX XXXX, which requires that : XXXX ) information that is furnished must be accurate and complete ; and XXXX ) consumer disputes about the information you provide must be investigated. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), as well as other federal banking agencies, each have published a Furnisher Rule, all of which are identical. I must insist that Fifth Third Bank stops their erroneous reporting to all credit bureaus and reinsert my mortgage account with accurate information to XXXX. I am submitting this complaint with the CFPB so I have further documentation of Fifth Third Banks actions and their response. I implore the CFPB to look into Fifth Third Banks actions as I am sure I am not alone in suffering from their actions.
Fifth Third Bank must correct there erroneous reporting of my mortgage account with CRAs ( Credit Report Agencies ) XXXX, XXXX, XXXX and where ever else they are reporting my mortgage account. Fifth Third Bank must also reinsert my mortgage account with XXXX and any other CRAs that they deleted it from. My mortgage account must be reported accurately Paid as agreed, current balance of {$17000.00}, OPEN, last payment made XXXX, original balance {$47000.00}, opened XX/XX/XXXX and NO LATE PAYMENTS as I never paid late, and I have all my bank statements and receipts. I further think Fifth Third Bank should refund me the {$1000.00} fee I paid in XXXX of XXXX in which Fifth Third Bank insisted that I must pay or they would report my mortgage as late. I do not think they should have charged that huge fee and demanded that I pay it. My mortgage was not late, taxes and insurance were not escrowed in my account, no PMI for my account and.most importantly there was no valid reason for Fifth Third Bank to believe that they needed to protect the value of the property and the lenders rights in the property.
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| 05/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I would like to report unethical business practices by Fifth Third Bank, XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I signed with my step-daughter for a car loan. All was well until she left for college a year later. XX/XX/XXXX I was called saying the payment was late and immediate payment was needed. Away at college she did not find a job as soon as expected, but the tragedy is she neglected to inform me of her hardship. I called the office, paid the balance, and was sent papers to extend her loan to give her time to find employment. I made sure my correct address and phone number was in place and acknowledged that I would like to be inform in a timelier manner in the future. As they were calling my daughter but somehow found my number when the account was reaching crisis level. I have verification cards dated XXXX XXXX and XX/XX/XXXX. In my mind all was well, I was assured with me being on the account and information validated, that I would be informed of account.
On XX/XX/XXXX I received a notification that my credit score dropped XXXX to XXXX pts on my various credit ratings. I was in disbelief and shock. XX/XX/XXXX I called Fifth Third bank it was confirmed to me that XXXX payment was XXXX days late resulting in the credit fall. On second look XXXX decided that it was not a late payment and transferred me to XXXX in XXXX to assist with a resolution. My understanding was that for several months in XXXX my daughters payments was deferred as a consolation given to the customers via the Fifth Third, but XXXX was missing a payment but XXXX payments was made in XXXX so the account should be payment short for XXXX and it could be paid by XX/XX/XXXX and the late payment should be removed. In being transferred to another Rep to get the removal of the delinquency on my credit report a few dropped calls later I was connected to someone else that said they needed to view the account more closely and would call me back.
On XX/XX/XXXX I inquired with Fifth Third about the results, fearing that XX/XX/XXXX would make it a legitimate late payment. I was told that the account was continuing to be viewed. With the payments confusion was occurring and to call back.
On XX/XX/XXXX I called again. A few more dropped transfers and I finally reached XXXX. XXXX said XXXX payment was missed for XXXX was missed by the other Reps but XX/XX/XXXX XXXX was paid so all should be well and to now pay XXXX to cover XXXX. I told him that I have missed the grace period waiting for a decision. He said this can be handled and transferred me to XXXX. XXXX was wonderful. She confirmed several things for me. I was placed on cease and desist to call XXXX XXXX, but she could not confirm by who or how it was activated. She walked me through the steps to establish online banking so that I could visibly make sure the payments were being made ( as I instructed my daughter to make full payments because payments were causing confusion with her and the bank ). We were moving along well, and we somehow got disconnected. I started over from the beginning because we had not dealt with the cease and desist. I was told by someone in Customer Service that cease and desist was handled by an offshore group and they probably do not verify the accounts when making the changes. But disconnected me when I asked more questions about the process. Calling back I received XXXX who was not able to remove the cease and desist, because I needed a written retraction via mail. Not happy that someone could call in and change my information, but I needed a written notice to remove it ; he supplied me an email address of XXXX XXXX XXXX. And transferred me to XXXX in XXXX to finally receive a conclusion about my credit. XXXX stated that the account was XXXX days late because the XX/XX/XXXX payment cleared at XXXX pm and the hours end at XXXX. She also stated that it looked like some numbers were finger checked on the XXXX attempt and the resend was what made it late. She suggested I ask for the delinquency to be removed because the payment did clear on XX/XX/XXXX. But transferred me to XXXX. XXXX glanced at the account, laughed, and said once a delinquency hit the account it was highly unlikely to be removed. I inquired about Voluntary Repossession and was transferred to a very nice young lady. She asked that I not make such a hasty decision because she could tell I was frustrated, but the repossession would reflect on my credit and I would have an additional problem. But supplied me the information requested and asked that I think it over. I adhered to her request and ended the call. With my daughter pleading her case and the obvious confusion with the account and the many eyes and hands on the account I decided to take a break from it and resume later. By the way, I did receive Verification of Contact information change and my number added to the account again. Followed by a letter on XX/XX/XXXX switching my address to the XXXX XXXX listed above. I asked to have this changed but now finding it did not.
XX/XX/XXXX I called and received XXXX. She viewed the account and admitted that the payments was probably the culprit in this matter. She would send a credit dispute to XXXX on my behalf with Reference number XXXX. She too felt that this should be resolved and possibly forgiven as the account was clearly a mess and no one seem to have the same opinion about the situation and the bill had been balanced out.
XX/XX/XXXX I received a letter stating that the account had been viewed and the result of the delinquency would stand. But then XX/XX/XXXX I received a letter for a credit of {$6.00}. I dont pay the bill so not sure what it was for but viewed the account and all seemed well.
XX/XX/XXXX I received an email after business hours that my contact information had been changed. I called the office on XX/XX/XXXX and once again there is a cease and desist placed on the account. XXXX stated that the XXXX Department had placed it but no mention of who authorized. I was transferred to XXXX. She did see the cease and desist was added but she too had no information of by whom and found it weird because the account is current so no one should call anyway. XXXX viewed the account and asked if I ever consulted with my daughter about payments in XX/XX/XXXX because it was an option and maybe that started the problem. I was transferred to XXXX XXXX. XXXX XXXX confirmed that there was no agreement on file for half payments in XXXX but saw XXXX payment but the conclusion of it paid on XX/XX/XXXX which was within the grace period. She stated that the letter sent for the denial may be a blanket letter from Reps that view the account, and I should try again because there are clearly some mishaps on the account, and I possibly do not deserve the delinquency of with COVID and other national issues the Company may work with me with a one-time forgiveness letter to remove this from my credit report. I was supplied another address to remove the cease and desist from my account.
XX/XX/XXXX I receive a decrease in my credit rating for XXXX. I had been informed around the end of XXXX that my personal information may have been hacked via a friends account and name. I instantly placed a fraud alert on my credit report and was thinking this may be related. But I called XXXX and they stated that it may deal with the delinquency.
XX/XX/XXXX I called Fifth Third and reached XXXX. She viewed the account and said there is nothing concerning the delinquency since XX/XX/XXXX. She also informed me that the Company did not report the account as balance paid at the end of XXXX as I was told. But there was a new history of payments was mailed to me XX/XX/XXXX. I have not received it and she was resending me one Request # XXXX. ( What I received on XX/XX/XXXX is yet another Verification of Contact change of information with the XXXX XXXX listed again ). She also stated that I should receive a credit report, fax it to them at XXXX when received, they will review it and if them not contacting the credit bureau is the cause for the new XXXX point drop ; they would resolve it.
I have no faith that Fifth Third Bank will do any such thing. I retire in a few years and had begun searching for a retirement home before the horrible incidents that started my XXXX year. Can you please contact Fifth Third Bank and assist me with a resolution? I would love for my credit score to be restored as this is one of a few debts that I even have attached to my name, because I was trying to have a clean record when finding my retirement home. This has been a valuable lesson and I will not extend myself into anyone else affairs again. I have made the attempts with Fifth Third, but my efforts seem useless. I am currently encouraging my daughter to trade, sale, or refinance the balance of the car. I do not want to continue this circus. But her credit was affected as well so I may be imprisoned for yet another year.
Thank you in advance for your assistance, XXXX XXXX
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| 10/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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My wife and I began the process to refinance the loan for our XXXX XXXX XXXX with the Fifth Third Bank. We were had been approved by the loan by our local bank XXXX XXXX XXXX XXXX.
My wife was behind in her payments, the Fifth Third made attempts to contact her using my phone number. I advised that my wife was not available and no information was provided for me to pass along as to who had called. I later found out that I am also on the account for the loan but Fifth Third never asked to speak to me.
My wife had used the interactive phone system and was advised of the payoff amount plus a {$5.00} per diem. On XX/XX/XXXX - XXXX mailed a check to the Fifth Third Bank.
for a total of {$14000.00}.
On XX/XX/XXXX - Our Jeep was repossessed at about XXXX.
My wife called the Fifth Third later in the morning of XX/XX/XXXX. She was told that the Past due amount was {$1200.00}, Late Fees were {$130.00} and the Repossession fee was {$440.00} for a total of {$2100.00}.
My wife was also advised of the name of the company that Fifth Third contracts their repossessions. XXXX XXXX XXXX and she was provided a phone number for them.
I called the Fifth Third Bank in the afternoon of XX/XX/XXXX. All of the information provided to my wife was confirmed. I advised the Fifth Third rep that we were in the process of refinancing the vehicle and asked if they had any record of our payment being received. The representative was not able to confirm receipt of the payment from XXXX XXXX. The representative also in my opinion did their best to belittle me and make sure that I knew the repossession was our fault and until they could not believe any comments from us that a payment to payoff the loan was on the way.
I called on XX/XX/XXXX to find out if our payment from ( XXXX ) had been received. The representative indicated know and told me we should have had the funds wired to them. I told the representative that their Interactive System had not provided that information. I was also told that as days went by the Fifth Third would continue to add the per diem charge of {$5.00}.
I was also advised that nothing could be settled until all fees were paid. A representative also indicated that as of 10 days after the repossession of XX/XX/XXXX our vehicle could be set for auction. I indicated to the representative that better not happen because we had our bank sending a payment to close the loan and that was mailed on XX/XX/XXXX.
The representative indicated at this time that the Fifth Third would not delay any further action until the Past Due, Late Fees and the Repossession fee were paid.
I called on XX/XX/XXXX in the morning and early afternoon. Both calls were to find out if our payment from XXXX had been received. I was advised no and I was also told again that further action could be taken as of XX/XX/XXXX if payments had not been received.
I was told that the payment of {$14000.00} from XXXX would not be enough because of the additional {$5.00} per diem charge being added.
After my call to Fifth Third on XX/XX/XXXX, I call XXXX and advised my local bank of the mess going on in regards to now repossessed vehicle. I told ( XXXX ) that the Fifth Third had informed us that we need to pay them {$2100.00}. and asked if we could get a bridge loan of {$1700.00} so that we could stop any further action from Fifth Third. My wife was going to send an additional wire covering the remaining {$440.00}.
I call the Fifth Third again on XX/XX/XXXX and asked for the information so that we could wire funds. That information was provided to XXXX and the funds were sent on XX/XX/XXXX.
My wife went to her bank in the afternoon of XX/XX/XXXX and setup a wire transfer from her bank- XXXX XXXX XXXX XXXX XXXX for {$440.00}.
On XX/XX/XXXX, I called Fifth Third to confirm receipt of the wire transfer from XXXX ( {$1700.00} ). Also at this time the Fifth Third was not showing any receipt of the loan payment from GEM ( {$14000.00} ).
Also on XX/XX/XXXX, in the afternoon my wife checked her bank account and we found out that the wire transfer of {$440.00} had been sent back.
On XX/XX/XXXX, I called the Fifth Third Bank and was advised that the check from ( XXXX ) had been received and the wire transfer from ( XXXX ) had been received. However, the representative I was speaking too could not tell me how everything was now paid and that the Fifth Third now owed us approximately {$1200.00}.
The representative from the Fifth Third Bank was very argumentative and wanted to make sure that the entire situation was our fault. I was just happy that the entire issue was looking like it was coming to a close. The representative I was speaking to didn't like my attempts at confirming the information and they ended the call by hanging up on me.
I called back immediately and for the first time since XX/XX/XXXX- I was able to ask questions and get answers without a hassle. I believe I was off the call in five minutes and during that call the representative indicated that the Fifth Third computer system was showing we were now due a refund of approximately {$1200.00}.
I asked when I should be seeing in that in the mail. I was advised that I should see it in approximately 7 - 10 days. I felt that was appropriate. I asked to speak to the reps Supervisor and informed the Supervisor of the professionalism that I had just experienced and that it was the first time since my calls started on XX/XX/XXXX.
I waited 10 days ( XX/XX/XXXX ) and waited until after XXXX XXXX as our mail is usually delivered by XXXX. We had received no check from the Fifth Third.
I called the Fifth Third Bank once again ( XX/XX/XXXX ) and asked if they had indication of the payment being sent out. The representative could find no such indication and apparently spoke to a Supervisor. When the rep came back from speaking with a Supervisor I was then advised that as per Fifth Third Policy- any refund check may not be mailed out for up to 60 days. That would mean that the refund check may not be mailed out until almost the end of XX/XX/XXXX.
I asked to speak to a Supervisor and the rep that I was speaking to immediately suggested it might be difficult at this time of day as it was now XXXX. I thought that was interesting because he had just spoken to a Supervisor. ( I have XXXX yrs experience in call center work and know that there is always a Supervisor. They are there to assist with escalated callers ).
The rep transferred me to a Supervisor after sometime. I explained the situation now that the Fifth Third Bank was creating for me personally because we had to get a bridge loan from our local bank ( XXXX ) to help satisfy all the financial requirements from Fifth Third... But now, the Fifth Third was causing issues with our bank because the bridge loan of {$1700.00} ) was due the end of XX/XX/XXXX but that they may not send the refund payment to us until the end of XXXX.
The Supervisor very rudely indicated that the Fifth Third bank had done everything correctly and it was not there concern if we ended up defaulting on a loan with XXXX.
I had also recently checked my Credit Reports and knew that the Fifth Third had reported the Repossession on the credit reports. I asked the Supervisor due to the tangled mess of the entire situation if the Fifth Third would remove the Repossession from the credit report. I also indicated they could leave the record of late payments but just removed the Repossession and mark the loan Paid.
I was advised that they don't have the ability to do that because the repossession was correct and factual.
I called XXXX and let them know that the refund check from Fifth Third may not be sent until XX/XX/XXXX. XXXX, changed the terms on the loan so it now is not payable in full until the end of XX/XX/XXXX. I also asked the rep from XXXX if the Fifth Third could change what is showing on the Credit Bureau, I was advised yes they could and if not that I could file a dispute.
Once again on XX/XX/XXXX I called the Fifth Third. I asked the Rep if they could see any indication of the refund check being mailed. The response was no. I then asked the rep if the Fifth Third would be nice enough to remove the Repossession from the credit reports. The representative indicated they have nothing to do with the credit reports. I said- oh so the credit bureaus just decide what should be reported. I then asked for a Supervisor.
I asked the Supervisor, after running the entire situation from XX/XX/XXXX on .... if they would consider removing the Repossession from the Credit Reports. The answer was a quick no we have nothing to do with the credit reports. I was advised I would need to go to FTC.gov to file a dispute. I let the Supervisor know that it was no longer FTC where disputes were filed. I ended the call.
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| 04/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Reference Case # XXXX XX/XX/XXXX Dear Fifth Third Bank Disputes, We are writing this letter to document the chronology of events that resulted in a severe hacking, identity theft and bank fraud event to our on-line checking account and requesting a reversal of the decision to deny the dispute for case # XXXX. We are requesting dispute charges totaling {$18000.00} Key facts 1 ) Primary Account Holder : XXXX 2 ) Additional Account Holders : XXXX, XXXX 3 ) Branch Location : XXXX Florida, XXXX XXXX XXXX 4 ) XXXX XXXX relocated from XXXX to XXXX on XX/XX/XXXX 5 ) None of the account holders have a mobile banking account with Fifth Third Bank 6 ) All Fraudulent charges were executed in Georgia Chronology of Events 1 ) XX/XX/XXXX a. Hacker gained access to the on line account and changed the phone number, email address and included a secondary address i. New Phone : XXXX ( home ) ii. New Email : XXXX XXXX. Secondary Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA, XXXX XXXX ) XX/XX/XXXX a. No Activity 3 ) XX/XX/XXXX a. Hacker generated a new debit card XXXX and updated the pin number b. Hacker executed multiple bank card withdrawals ( XXXX ) and merchant ( XXXX ) purchases in XXXX Georgia totaling {$5500.00} for that day c. Bank Alert was sent to the newly created Hacker phone number XXXX and was accepted by the Hacker as a legitimate charge 4 ) XX/XX/XXXX a. Hacker continued to make XXXX ( XXXX ) and merchant ( XXXX ) purchases in similar amounts to the previous day totaling {$4800.00} for this day 5 ) XX/XX/XXXX a. XXXX and XXXX logged into her online account and noticed the unusual charges b. Hacker continued to make XXXX ( XXXX ) and merchant ( XXXX ) purchases in similar amounts to the previous day totaling {$7800.00} for this day 6 ) XXXX XXXX XXXX a. Since it was the weekend, XXXX and XXXX made multiple phone calls to the Customer Service and Fraud Center to alert Fifth Third Bank of the fraudulent charges and ask that they be put in dispute and that the account be locked. XXXX could not remember her verbal password and XXXX was not asked for her SS # which does not have a verbal password so the requests for support were unsuccessful with the overseas Customer and Fraud support teams. Representative : XXXX ). XXXX requested to speak to a supervisor ( XXXX XXXX ) and was put on hold. The supervisor was not available. XXXX requested a follow call from the supervisor. She never received a call.
b. In an attempt to protect the remaining money, XXXX deactivated the Hacker generated card XXXX, moved the remaining money from checking to savings, changed the account password, inactivated another card, changed the Email and phone number to her contact information, and added additional security questions.
c. XXXX sent an Email directly to XXXX XXXX the Branch VP and asked for help resolving the issue. XXXX called XXXX first thing Monday XXXX morning and told her to call Fraud again and the move the money out of the bank account.
7 ) XX/XX/XXXX XXXX XXXX was finally able to reach a very helpful a Fraud support agent in the US XXXX in Michigan - he was able to see the issue and generate the Dispute Case number. At the time, he also questioned how multiple XXXX withdrawals for the same amounts were able to be executed. XXXX asked if it was necessary to file a police report and was told that was up to her. It was not a requirement.
b. Shortly thereafter, about XXXX XXXX PT, XXXX was then contacted by XXXX phone number ( XXXX ) XXXX at the Fifth Third Bank Corporate Office in North Carolina asking whether she ( XXXX ) was trying to make any further changes to the account post the Fraud report. The answer was no. XXXX informed XXXX that they had a women on the other line calling from the Hackers phone number XXXX trying to make changes again. XXXX was also informed that this person had XXXX SS #. XXXX told XXXX she was not the only one in this situation.
c. At that point XXXX asked what more could be done to protect the remaining money. A XXXX XXXX was added to the conversation. At this point it was agreed that XXXX would contact Fraud and put a Hold on the account and XXXX and XXXX would lock the credit tied to XXXX SS # on all three credit platforms. The credit freeze was completed.
d. XXXX was asked to provide XXXX the bank wire information to her XXXX account in XXXX XXXX California so the remaining money could be moved out to a more secure location. XXXX Emailed XXXX the wire information e. XXXX called XXXX back and said that the corporate office could not wire the money that needed to be done by the local branch back in XXXX Florida f. XXXX XXXX checked in that evening and informed XXXX that the hold on the account was not done properly it was only set for 24 hours and that she needed to contact the corporate office again to ensure the hold was extended.
8 ) XX/XX/XXXX XXXX XXXX contacted the corporate office again and asked them to put a more secure hold/block on the account and the did. Balances set at approximately- $ XXXX each b. XXXX talked with XXXX XXXX about executing the wire. XXXX said she could not execute the wire because neither XXXX nor XXXX could not come to the bank in person. Instead, she recommended that they open a new account and XXXX write a check from one account to the other. XXXX and XXXX opened a new joint account at XXXX, deposited the money and Emailed photos of the check, the deposit slip, and the receipt to XXXX. XXXX was able to release the money that day.
9 ) XX/XX/XXXX a. No Activity 10 ) XX/XX/XXXX XXXX XXXX called the Fraud line to check on the status of the dispute claim. After one lengthy hold and talking with one representative XXXX put on another lengthy hold and transferred to another representative who informed that the dispute had been denied. The reason for the denial was that when the bank sent the alert on XX/XX/XXXX and it was accepted remember, the alert or phone call was made to the Hacker. Bank Alert was sent to the newly created Hacker phone number XXXX and was accepted by the Hacker as a legitimate charge. There also seemed to be no records in the dispute file from the Corporate Office regarding the call form the Hacker on XX/XX/XXXX from the same phone number requesting to change the information again.
b. At this point XXXX asked to speak to the investigator to ensure all the details were clear. The Representative said that was not possible. XXXX asked to speak with the head of Customer Support that request was also denied. XXXX requested to speak to a supervisor and was put on hold. No supervisor was available. XXXX requested a follow call from the supervisor. She never received a call.
c. At this point the Representative agreed to reopen the dispute and asked XXXX XXXX document all the information as well as open a police report. She also informed XXXX that now the dispute could take up to 30 days to close.
d. The account will need to remain open and locked through this time and all withdrawal transactions will need to be individually released by XXXX XXXX XXXX
11 ) XX/XX/XXXX XXXX XXXX reached out the XXXX XXXX police department to file a report. XXXX XXXX XXXX took the report. CASE # XXXX.
12 ) XX/XX/XXXX XXXX XXXX composed the chronology and Emailed it to all parties involved 13 ) XX/XX/XXXX a. Yet another breach of the account happened Thursday evening XX/XX/XXXX.
b. XXXX received an Email @ XXXXXXXX XXXX PT alerting her that the XXXX information had been changed. She reviewed the change in the alert. The Hacker updated the address to the fraudulently created card number ending in XXXX. That card should be disabled.
c. XXXX contacted the phone number in the Email alert - offices closed d. XXXX contacted the fraud specialist phone number - offices closed e. XXXX contacted the standard fraud line - reached a XXXX in XXXX who informed her he could not help me since she already had a case open and told her to call back in the morning during regular business hours f. We need this dispute resolved immediately, the stolen money replaced and the accounts closed to ensure we can protect my mothers identity and my identity from any further comprise.
In closing, I want to state that my mother has been a decades long client of this bank, she is an XXXX widow who entrusted her entire life savings to this institution of which she has obviously been the victim of fraud. Fifth Third Bank needs to remedy the situation immediately and improve their policies, detection algorithms and systems so others do not have to have the same horrific experience. After the countless hours of hold time, dropped calls and direct communication it is absolutely unacceptable and frankly appalling that we have been asked to provide this level of detail to this institution to resolve this problem.
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| 10/31/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Sorry to bother your day. But it has been months and still waiting to have access to my account found it was closed on my birthday is all days XX/XX/20 I use XXXX for payroll and accounting the purpose of reconciliation of my accounts for the XXXX loan. I need to be able to submit.
Each loan is under XXXX is being taking now with a short form application.
I can't even reconcile this because of the fraud department getting information from a employee I believe at the branch manager has issues with me and the personal banker especially XXXX XXXX. I believe her name is she went without permission into my personal and business accounts without my permission or knowledge I'm not sure why she claimed something that is untrue she dont know by business or me. Because I didn't do the loans with them. Other bankers reached out to me. And now my account are charged off I got letter today regarding this. On my birthday XX/XX/20 irony. I'm accruing fees when I was locked out. I need access to my personal account ASAP which should be separate. Conflict of int i feel violated. Im hearing about XXXX people have gotten and your picking on a XXXX XXXX owner that each account is under {$27.00} I'm not sure why that happened when personal and business are 2 separate entity. I'm in a very bad strain trying to get my forgiveness application submitted and I can't pull from fifth third to XXXX this is not OK I was assured from your assistant Custome XXXX I would get a call back. The fraud department never called me back. I'm just trying to get my paperwork in order. But I honestly need access to my personal account that in my XXXX name XXXX. I need help Because this is not OK I'm not sure XXXX issue with me other assuming Something that is not factual and get manager. But I'm really disappointed I never got a callBack I call 4 times to fraud department no response. Called XXXX XXXX No response who said he would keep in touch. Have not responded to my call and voicemail for him and the fraud department. I'm disappointed.
But I need to withdraw my money from my personal account Imgoing to make a formal complaint with the I should feel my money secure and I should be Comfortable putting in a bank I no longer trust my money in banks any longer. I need someone to give me a call because non of those XXXX loans with 4 different business XXXX non of them are over XXXX so I qualify for the shorter application that there working on now. It not OK for this.i need answers before I have to file I complaint. But I do Need access to my personal account. Things aren't good and I need my money I had to let employees its hurting my business I can't do payroll. Because I get invoice deposited in the accounts. I'm blocked from handling business.
While what ever your doing that seems unethical. And bias to my minority business. I need to personal funds asap. While you figure out why this happenings. I know one thing for sure XXXX act like she didn't know me when I can in the bank to add my husband to my personal account.she 's ask why I wanted a XXXX when I asked about it I thought it was weird because I work at a bank with have own my businesses but sure why she wouldn't she wouldn't want a new line of business like a XXXX. But something isn't right and smells fishy. I just want access to my money in my personal account and see why my accounts are charged off.I 'm going to the news soon I've done nothing wrong.Account Closed when was I going to find out I could have funded my loan anywhere elseAnd deposited anywhere else where I have a business account but I trusted fifth third and I wouldn't have this problem right now. I cant handle my business. You closed the accounts as of XX/XX/20 and i can't take care of business please help me.
On my birthday XX/XX/20 {$290.00} charged off closed account but I had no access. I need access for my loans on XXXX XXXX XXXX XXXX and the other 3 I need personal account balance changed to available so I can get my money out that bank. I'm very disappointed.
It under XXXX XXXX my XXXX XXXX name. It not ok to hold my money.
XXXX XXXX XXXX XXXX XXXX Sorry to bother your day. But it has been months and still waiting to have access to my account found it was closed on my birthday is all days XX/XX/20 I use XXXX for payroll and accounting the purpose of reconciliation of my accounts for the XXXX loan. I need to be able to submit.
Each loan is under XXXX is being taking now with a short form application.
I can't even reconcile this because of the fraud department getting information from a employee I believe at the branch manager has issues with me and the personal banker especially XXXX XXXX. I believe her name is she went without permission into my personal and business accounts without my permission or knowledge I'm not sure why she claimed something that is untrue she dont know by business or me. Because I didn't do the loans with them. Other bankers reached out to me. And now my account are charged off I got letter today regarding this. On my birthday XX/XX/20 irony. I'm accruing fees when I was locked out. I need access to my personal account ASAP which should be separate. Conflict of int i feel violated. Im hearing about XXXX people have gotten and your picking on a XXXX XXXX owner that each account is under {$27.00} I'm not sure why that happened when personal and business are 2 separate entity. I'm in a very bad strain trying to get my forgiveness application submitted and I can't pull from fifth third to XXXX this is not OK I was assured from your assistant Custome XX/XX/XXXX I would get a call back. The fraud department never called me back. I'm just trying to get my paperwork in order. But I honestly need access to my personal account that in my Maiden name XXXX. I need help Because this is not OK I'm not sure XXXX issue with me other assuming Something that is not factual and get manager. But I'm really disappointed I never got a callBack I call 4 times to fraud department no response. Called XXXX XXXX No response who said he would keep in touch. Have not responded to my call and voicemail for him and the fraud department. I'm disappointed.
But I need to withdraw my money from my personal account Imgoing to make a formal complaint with the I should feel my money secure and I should be Comfortable putting in a bank I no longer trust my money in banks any longer. I need someone to give me a call because non of those 4 loans with 4 different business EIN non of them are over XXXX so I qualify for the shorter application that there working on now. It not OK for this.i need answers before I have to file I complaint. But I do Need access to my personal account. Things aren't good and I need my money I had to let employees its hurting my business I can't do payroll. Because I get invoice deposited in the accounts. I'm blocked from handling business.
While what ever your doing that seems unethical. And bias to my minority business. I need to personal funds asap. While you figure out why this happenings. I know one thing for sure XXXX act like she didn't know me when I can in the bank to add my husband to my personal account.she 's ask why I wanted a XXXX when I asked about it I thought it was weird because I work at a bank with have own my businesses but sure why she wouldn't she wouldn't want a new line of business like a XXXX. But something isn't right and smells fishy. I just want access to my money in my personal account and see why my accounts are charged off.I 'm going to the news soon I've done nothing wrong.Account Closed when was I going to find out I could have funded my loan anywhere elseAnd deposited anywhere else where I have a business account but I trusted fifth third and I wouldn't have this problem right now. I cant handle my business. You closed the accounts as of XX/XX/20 and i can't take care of business please help me.
On my birthday XX/XX/20 {$290.00} charged off closed account but I had no access. I need access for my loans on XXXX XXXX XXXX XXXX and the other 3 I need personal account balance changed to available so I can get my money out that bank. I'm very disappointed.
It under XXXX XXXX my 1st married name. It not ok to hold my money.
I want my money from personal account and they just closed my accounts that can help me get my ppp loans forgiveness they won't help I reached out to ceo he had someone call me and he don't respond I beg my funds in my funds in my personal account it conflict with business and it under a diffrent last name my Maiden name I got back after my divorce. I need money from person asap. And I want to close the account, also I need business I reconcile fur my 4 loans. Please help.
XXXX XXXX XXXX -XXXX XXXX
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| 05/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I had fraud on my personal account on Monday, XX/XX/XXXX I believe for {$12000.00}. Someone printed a fake check and Fifth Third allowed it to go through. I reported it and closed the account. I found out later that the XXXX drawn on my account was never reported as fraud because I got my money back which makes no sense. Several days later I deposited a check for {$150000.00} into my XXXX. Trust account. I am an XXXX The following day there was fraud on my trust account in the amount of {$300.00} I went to the bank frantically though it was a Saturday. I was freaking out because my XXXX money was at stake. The teller assured me she froze my account. I called Fifth Third later that day on the XXXX number and was told no that it was not frozen and there was nothing they could do until Monday. I was told I needed to contact the domestics department. I kept asking what the domestic department meant and kept saying I'm in the United States I don't know what you're talking about and they could not help me and just said I needed to come back Monday. No one seem to understand that this {$150000.00} was at stake. And it was not frozen. I went in on Monday and filed a fraud complaint for the check. Again this is XXXX money. It's a special account for XXXX. I switched banks from XXXX to Fifth Third because of bank fraud before. But nobody seems to understand what I'm talking about. I went in frantically yesterday and told them I wanted to close the account. I had discovered over the weekend. The only thing that made sense was that the {$150000.00} was fraudulent. Again I'm an attorney. For one month I have been dealing with a XXXX XXXX and had been negotiating a settlement agreement with XXXX XXXX XXXX dealing with their HR vice president. I had negotiated the settlement and was to receive XXXX out of the XXXX. Because Fifth Third was not helping me I decided to call XXXX XXXX the bank. The check was drawn on. In looking for numbers for XXXX XXXX and looking at the Check I realize the check could be fraudulent because the address on the lower left-hand corner was a branch that was permanently closed. Suddenly I think I understood what happened. Monday I went into the bank which was yesterday and I told him I wanted to close out the account and explained all of this. I was told that I could not close the account because the deposit was pending. I kept explaining I didn't care that. I did not want that money that it wasn't real money and kept explaining that someone was going to try to cash bigger checks on the account. Meanwhile, I also called XXXX XXXX XXXX yesterday morning and confirmed that the entire XXXX and the entire work I did on the case for one month was fraudulent. I was talking to a fake HR person. There was fake letterhead used and there was a fake severance agreement and the check was fake. They said XXXX XXXXXXXX XXXX and XXXX not XXXX XXXX. So I turned over all that information to the XXXX XXXX fraud department. Again I tried explaining this to the manager at Fifth Third. She's a very nice person XXXX who has helped me for years. But she continually told me I could not close the account with the pending deposit. I left hoping for the best. This morning which is XX/XX/2023 I looked at my trust bank balance because I had a feeling things were going to go wrong. I almost had a XXXX XXXX and XXXX and was bawling my eyes out and shaking from head to toe. My bank balance is- {$500000.00}. A half {$1.00} XXXX. I thought my life is over. My career is over. Five years ago when something like this happened, it triggered a disciplinary investigation which I went through for about two years and it was another nightmare, and it ruined my life, causing me into a deep, dark XXXX. I saw it coming again and I decided if this happens this time I'm quitting the XXXX XXXX XXXX and giving up my lol license even though I did not do anything, and this is all fraud. I raced to the bank only to find out that is how Fifth Third handles fraud an account. They are the ones that made it the - {$500000.00}. But no one ever notified me they were going to do that. You can imagine how a person would feel seeing that on their bank account. I thought my house is going to be taken I'm going to have a judgment against you. I'm gon na owe all of this money. It was horrible. Again freaking out. I called my attorney that I had three years ago. XXXX XXXX, who specializes in Disciplinary issues and trust accounts. He gave me some advice which I had already followed the day before. But he told me immediately to get in tight contact with the XXXX department so I contacted the bank again. I had left a message for a manager to call me back and never got a call back today. I believe I talk to an assistant manager, XXXX, who is very nice and who has been helpful in the past. But again nobody there seems to understand these accounts. I told her what my attorney said, and asked for numbers or names for the legal department and for the XXXX department. She kept saying this is fraud. This is fraud. You have to contact the fraud department. I asked for the name and number of the person that XXXX spoke with in fraud and she said she can not give out that information. I kept saying I need whoever 's in charge of XXXX and she said that she could not give out that information that they just scan information that they don't have those names and numbers that it's the back office. I kept saying well these are real people you have real lawyers there Hass to be somebody that's in corporate that knows about these types of accounts. What's the point of having a trust account like this to manage XXXX funds if nobody there knows what it entails or how important it is to make safeguards. Artificial intelligence these days can pass the bar exam and become a doctor practically but you mean to tell me that banks don't have the technology to catch fraud. Kindergartners could've written that {$300.00} check. It did not have my name in the upper left-hand corner. It did not have my signature or name in the little written corner. It looks nothing like a real check at all. Anybody could print one. So when I try to make transactions and there's fraud alerts, it stops me from trying to spend my own money, but when someone else tries to put checks through my own account, there's no safeguards whatsoever so talking to XXXX, round and round and round I kept asking for names who is in charge of XXXX Then I asked her do you even know what they XXXX stands for and she could not answer me and she kept going round and round again I'm sure she's a very nice person, but why do these people not know what this is and how important it is? Fifth Third is one of the banks that's on the preferred list for the state of Indiana as recommended by the Indiana Supreme Court disciplinary commission. That is why I picked them because I thought they knew what they were doing. In any event I am very concerned about this negative half {$1.00} XXXX because when you Have a trust account that's in the negative there is an automatic trigger to notify the disciplinary commission that the account is overdrawn because they think people are stealing plant money. So I wanted to get a hold of XXXX at the instruction of my attorney to tell them do not trigger the disciplinary commission because you're the ones that put me in the negative. I did not put myself in the negative. The fraud did not even put me in the negative. This is not something that needs to be reported to the disciplinary commission because it's it's not anything on my end. No one seems to be able to help me. I don't know what to do and I'm at a loss. My livelihood is at stake. My law license is at stake. Regardless, if you're at fault or not, once investigation starts, it literally will take up all my time for the next two years. They have caused me so much emotional distress and I feel like I can't get any answers any help or any phone numbers. The fraud department isn't open on the weekends, which is ridiculous. Nobody seems to be taking any of this seriously whatsoever. I'm likely going to report this to the FBI because of the detail involved. This XXXX gave me bank account information of his. Presumably he also gave me an address in Arizona to send money to and also give me addresses in Texas. I am just at a loss. And I need help immediately I need to get in touch with AI also department of Fifth Third Immediately and I need them to know that this is not something that I did and there should be no notification to the disciplinary commission. If there's any notification whatsoever, they need to write a letter saying that they did this.
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| 10/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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On XX/XX/XXXX of this year I booked a car rental for my vacation with my wife in XXXX. What follows is a timeline of events that occurred as a result, culminating in me being conned by the merchant and then further victimized by my bank, which claims to have working processes in place to protect against such actions.
1. After landing at the airport in XXXX, I showed my printed reservation/confirmation number and total to the XXXX clerk XXXX who did not speak XXXX. They took my card and charged it. As you can see from the attached itinerary, the total for this car rental was {$170.00}. Furthermore, I paid {$44.00} for auto insurance coverage at time the reservation was made ( XXXX XXXX
2. When I returned to the States, I checked my card balance to discover that I was charged {$1000.00} for this car rental, in what appeared to be either a scam or a serious accounting error. I contacted XXXX immediately and proceed to receive a proper run around by both phone and online messaging for several weeks. Despite promising to look into and correct the situation by phone, they failed to do so, failed to call or message me back, and offered no attempted solution. However, I did notice that the charge on my card from them had suddenly ( and inexplicably ) changed to {$440.00} on my 5th 3rd Bank account login.
3. Because working with the merchant proved unfruitful, I then filed the dispute with 5th 3rd bank and began a new adventure. To the dispute team, I provided the confirmation email/itinerary indicating the confirmed amount of {$170.00}. I requested the overcharge of {$260.00} be removed from my balance.
4. Weeks passed and I received a call that the Dispute Team needed the receipt from XXXX. The day I received the call from them, I forwarded this email sent to me from XXXX ( including the receipt as an attached Zip file ) to the Dispute Team.
5. More time passed and I received a letter stating my dispute had been denied because I had " failed to provide the needed information. '' I then asked to be escalated to a manager who assured me the case would be reopened, that she would get someone to translate the XXXX receipt ( which is entirely in XXXX ), and that the dispute would be resolved.
XXXX. When I called back a week later to check on this I was told the dispute was still closed and that there was no record I had even spoken with a XXXX or that anything else had been done. After hours on the phone with them and numerous other times I forwarded the requested information by email again, I was told there was nothing they could do to help.
7. Therefore, I contacted 5th 3rd 's Ethics department and explained the situation was a significant concern. It was then I received a call from XXXX from the office of the president. After ( I assume she communicated with the Dispute Team directly ) she stated that the security features of the Dispute Teams email did not allow them to open zipped files ( which is how XXXX had sent my receipt as an attachment in their email ). She requested that I save the receipt as a PDF and send it to the Dispute Team again, which I did. At no point prior to this did the Dispute Team tell me they could not open the attachment. Instead, they just denied my claim by stating the receipt was not provided within timeframe [ sic ] which is a demonstrable falsehood since I have numerous emails indicating it was provided the very day it was requested.
8. This would be understandable and not perceived as an obvious attempt to deny a valid claim if not for the events that followed. Although I had sent the XXXX receipt as a PDF to the dispute team as requested, I then received another call from XXXX relaying the message that they said they still havent received it. XXXX suggested I provide it to her boss, XXXX XXXX, and gave me her email address XXXX, who would forward it to XXXX because she didnt have an email where I could contact her. Although this sounded odd, I complied and sent the PDF to XXXX who I assume forwarded it to XXXX, who forwarded it to the Dispute Team that I had already sent the PDF to in the first place multiple times.
9. Although one would think this solved the problem ( the charge amount on the receipt was clearly MUCH higher than the confirmed reservation amount ), it did not. Numerous calls with both XXXX and the Dispute Team followed, along with further statements that they were investigating and appeared unable to recognize that a discrepancy between a confirmed reservation amount and a much higher charge actually applied was an inappropriate overcharge. During one conversation with ( I apologize, but in all the back and forth I cant remember whether it was the Dispute Team or Suzie ), I was told the higher amount on the XXXX receipt was because I was charged for extra days, fees, and insurance.
10. At this, I demonstrated to them that the car was returned on time and I noted that I possessed ( and still possess ) photos showing there was no damage, the odometer reading, that the car was returned full of gas, and so forth. At no point did we do anything that would trigger an additional charge and an additional charge being made was never mentioned to us by any XXXX staff person either in XXXX or the US.
11. XXXX said that if I could demonstrate I had already paid for insurance this would help them complete the dispute. I showed them a screen shot of their own records ( my 5th 3rd account showing they had collected the insurance charge at the time of booking ). I thought, surely, this will resolve the situation.
12. Next, however, I received a letter ( signed by XXXX XXXX XXXX again denying the claim that had stretched at this point nearly 4 months into the dispute process, stating, the Dispute Resolution Department found that the transaction was validOur records indicate the dispute will remain denied. If you have proof that the merchant is willing to issue a credit, you can provide that proof and the case will be reopened for an additional review to be completed. So, ultimately, after I told my bank that the merchant was uncooperative, necessitating the dispute, their response to me was to return to the merchant for help.
13. Obviously, this made no sense to me. I provided all of the information they requested and more, pushing back every time the Dispute Team attempted to claim I had not sent information or that the reasons for the charge were valid when they clearly were not ( there were no extra days of use, no damage to the vehicle, insurance was paid for at the time of booking, etc. ). It was at this point that I recognized 5th 3rd Bank appeared to have a vested interest in denying my claim and had no intention of honoring it.
14. After calling and speaking with a representative of the Consumer Financial Protection Bureau, I was dismayed ( but not surprised given the circumstances ) that 5th 3rd Bank has received XXXX other complaints, with XXXX focused on credit card issues like the one I am experiencing. Learning about the ongoing lawsuit against 5th 3rd Bank from XXXX was eye-opening considering the charges of them failing to adequately address misconduct, acting under false pretenses, making false representations, engaging in unauthorized transactions, taking actions against consumers without permissions, and other violations of multiple consumer protection acts. Considering this information, I understand I am not alone in this maltreatment of customers and, as a result, I will be paying off the existing balance with 5th 3rd Bank and canceling my credit card with them very soon. Even so, I feel it is only fair that they honor my dispute in light of ( what I feel is glaring evidence against the merchant, XXXX ), and refund me the overcharged amount.
15. Though most communications were by phone ( XXXX would not provide her email address, XXXX never responded to my contacts in writing, and the Dispute Team never replied to any of my emails, preferring instead to mail denial letters ), I have provided the written information I sent to 5th 3rd bank for your review. If there is anything further you need to review this case, please let me know and I am happy to provide whatever is needed.
*Please note, I have also attached the receipt emailed to me from XXXX XXXX which I provided to 5th 3rd bank numerous times. Although they said that they translated this into English, and although I requested a copy of the English version since I do not speak XXXX, this was never provided to me, so to this day, I am still unable to actually read what the receipt says in English.
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| 08/15/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
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Web |
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XXXX XXXX XXXX XXXX XXXX ( 2 hours ago ) to XXXX, XXXX XXXX and XXXX, please forward this email to your supervisor and also to your complaints department. Additionally, I will be submitting this information to the CFPB and the OCC. My name is XXXX XXXX and I have worked with your customer, XXXX XXXXXXXX XXXX, XXXX # XXXX, as a friend and POA for the past 6 months attempting to refinance her home equity line/loan with 5th 3rd which became due in total on XX/XX/XXXX. Knowing that XXXX did not have the funds for this balloon payment, we began working with you in XXXX XXXX to develop an acceptable alternative to the balloon payment. 5th 3rd has taken over 6 months to determine how to restructure a {$50000.00} home equity loan!
This complaint is about your processes and communications. Here 's a summary of the main categories of complaint : Credit underwriting process. Delays caused by last minute document requests ( at the end of the 30 day credit decision period ) and requests for documents that really were not needed, requests made piecemeal when they should have been requested all at once, early in the process, if at all. 5th 3rd has taken over 6 months to determine how to restructure a {$50000.00} home equity loan!
Document uploading process/slow start Telephone numbers Communications On-line banking/automatic drafts ( ACH ) Payments during the last cycle when the balloon payment is due Below is more detail on each category.
1. Credit Underwriting Process. Your department, or perhaps the underwriter working on XXXX 's loan, has a pattern of requesting new documents from the customer, one at a time, and thus starting the 30 day " credit decision clock '' over. 5th 3rd has strung out this request for months by waiting until close to the last day of the 30 day credit decision period and at that point asking for a new document. This pattern was repeated multiple times. Check out the timeline from your system below. Here 's a summary for your convenience : Date Document Sent XX/XX/XXXX Complete Package Acknowledgement - 30 day clock starts XX/XX/XXXX Initial Missing Item Letter XX/XX/XXXX Response provided by customer XX/XX/XXXX Complete Package Acknowledgement - 30 day clock starts XX/XX/XXXX Initial Missing Item Letter XX/XX/XXXX Response provided by customer XX/XX/XXXX Complete Package Acknowledgement - 30 day clock starts XX/XX/XXXX Initial Missing Item Letter Look at the gaps where the ball was in 5th 3rd 's court as I walk you through your timeline : 5th 3rd sent a Complete Package acknowledgement on XXXX and then waited until XXXX to request a document. The response was submitted on the same day by XXXX.
5th 3rd then waited from XXXX XXXX XXXX to send another Complete Package acknowledgement.
5th 3rd then waited from XXXX to XXXX and then issued a missing item request on XXXX.
The document was submitted to 5th 3rd on XXXX and on XXXX 5th 3rd issued another Complete package acknowledgement.
5th 3rd then waited from XXXX XXXX XXXX to request yet another document. This strategy of waiting until the 30 day credit decision deadline was near expiration to issue a request for a missing document is improper. Why couldn't all extra documents needed be requested at one time or at least closer together? Why was 5th 3rd trying to stretch this process out? Does the underwriter get dinged for each loan that is not decisioned within the 30 day period and thus he/she kicks out the deadline by requesting a new document over and over?
The length of time it took 5th 3rd to respond to each missing item that was provided was also unreasonable. As an example, it can be seen above in the summary, a customer response was sent on XXXX and was not acknowledged until XXXX.
This practice of waiting until the last few days of the 30 day credit decision period to request a new document and doing this multiple times is unfair and deceptive ; the regulators most likely would deem this a UDAAP issue.
Lastly, none of the requests were earth shattering or based upon documents recently submitted : One was a question about whether or not we wanted to count XXXX 's son 's Food Stamps as income to XXXX. An odd question since we clearly noted that the son 's food stamps were for him and his XXXX children - we just listed them because her son and grandchildren lived with her, in an effort to be fully transparent. Why would we possibly want to increase her income when we are applying for hardship relief?
The second request was for XXXX to sign a flood water acknowledgment- have no idea why. Of course XXXX knew her house was in a floodplain- she paid flood insurance and on every record one can access, it shows the house is in a floodplain.
The third request was for a copy of XXXX 's flood insurance policy.
All three of these items should have been requested, if truly needed, within days of her submitting the initial documentation.
2. Uploading/slow start. The process got off to a very slow start. As previously documented to XXXX, XXXX first sent all of the required documents on XX/XX/XXXX and heard nothing for weeks ; she called and they said they didn't have them. ( The Mortgage XXXX says you will receive a response within 5 business days. ) Re-sent the same documents on XX/XX/XXXX and still heard nothing. XXXX called on XX/XX/XXXX and spoke with XXXX and found out that 3 of the 4 documents were uploaded but that one was received but not uploaded. There appears to be issues with uploading documents in your system. As you can see in your document below, everything was not uploaded in your system until XX/XX/XXXX. That is a month and a half just to get the initial documents uploaded in your system.
3. Phone numbers. XXXX pointed out to XXXX that the phone number on the XXXX, " XXXX, option 3 '' does not get XXXX to the right place. They transferred XXXX to XXXX - the person that answered this line said the person that answered the XXXX number was off-shore and transferred XXXX to XXXX wrong place.
XXXX. Communications XXXX continued to receive mail from 5th 3rd addressed to her and her deceased husband, long after death certificates, etc. on her husband were supplied. I am guessing this still has not been updated.
XXXX received multiple communications from 5th 3rd letting her know that her equity line/loan was coming due in total on XX/XX/XXXX. Yes, and that's why we started the hardship process in XXXX! No one at 5th 3rd told the department sending out the " due in total '' letters that the customer was actively involved in the hardship program.
XXXX. On-line banking/automatic drafts ( ACH ). There is something wrong in your system that does not allow a customer like XXXX who only has an equity line to set up on-line banking. We tried to set her up on-line. This didn't work because it asked for her debit card number ( she does not have a DDA with you. ) We called customer service and were told to go to a branch. The branch said they would help after the loan was refinanced?? We were never able to get XXXX set up with on-line banking nor were we able to set her account up to be drafted automatically by 5th 3rd each month for the payment due.
XXXX. Payments during the last cycle. We tried to make a payment in early XXXX for the typical monthly amount. The payment at the branch was refused, they said the account was blocked. I am guessing this is because the balloon payment was due on XX/XX/XXXX and for some reason your system doesn't allow any payments during the period in which the balloon is due? As a creditor, it seems like you should be willing to take any amount at any time from a willing customer. The payment was not the payoff amount but it was something.
Summary As you can see from the above it has been a most frustrating process for XXXX and myself. I have never banked or worked with 5th 3rd before and this was a poor introduction. Your branch personnel told XXXX the refinance/assistance process was easy and quick and would take about a week. 5th 3rd has taken over 6 months to determine how to restructure a {$50000.00} home equity loan!
Sadly, XXXX has passed away. I am no longer involved in this situation. I can only hope that 5th 3rd treats XXXX 's family with a higher level of customer service than XXXX received.
I did want to take the time and effort to document these issues so that 5th 3rd has the opportunity to improve.
Sincerely, XXXX XXXX
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| 11/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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On XX/XX/XXXX, I XXXX XXXX, XXXX realize that my fifth third account was being depleted due to unauthorized reoccurring deductions being taken out of my account over the course of three years. I reported this to the fifth third Bank at XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX returned me six months worth of unauthorized charges to my account from the XXXX XXXX app. One of the companies that deducted money out of my bank account was XXXX. XXXX was the only refund I received a return from. l The return was Roughly XXXX dollars. The money showed up in my account, and there was no evidence where it came from or why it was returned. However, it came to my attention that there was a lot more than just XXXX dollars missing out of my account. And more companies with auto refill, signed up to the XXXX XXXX app. It came to light that there was on authorized XXXX XXXX bills being deducted out of my account. I discovered three companies, XXXX, XXXX XXXX and XXXX, a vitamin company. And a couple other companies. All the ducting money out of my account freely over the course of 2 1/2 to 3 years. Most recently its come to light that physical checks had been ordered from the bank. I have never written a check from a checkbook in general or with fifththird.
When I first opened my account, they gave me an access 360 card until my debit card arrived. I lost the access 360 card and was told by a Fiththird branch member named XXXX, to not worry about it and that I dont need it since I have the debit card the Access 360 card is expired and is longer usable. However a new access 360 card was mailed out to my home address.
This is alarming because I gave the branch specific instructions not to send important banking mail to my home address. This way it would not be left in the mailbox. I have a po box on file, which is noted the only place to send the mail. This is in light of the unauthorized account activity we spotted. I also canceled the XXXX XXXX app from my phone. I even had my most recent new secured credit card ordered out to the bank on XXXX XXXX XXXX, Fiththird just to avoid it going through the mail process this way I could pick the new cards up directly from the branch. These cards consisted of a new secured credit card, as well as a new debit card for Fiththird. Those were to be the only access is with my account.
I added a account security word to my account so only I could know that password. To my dismay, they did not ask me for that security word. They quoted me for a phone number that was on the account that was not mine. That is also when I discovered that through the phone number somebody had been logged in to the XXXX XXXX app. The same app I had discontinued in XXXX. This suspicious phone number that was added for my contact information was XXXX.
This is very disturbing because I definitely updated my contact information with them. Just this summer to XXXX And I never logged back in the XXXX XXXX app after discontinuing it from a prior phone I used.
When the access 360 card showed up to my physical address I discovered the card had been left active during the three years I banked with Fiththird. This is not what I was told because I was told the access 360 card was only pending until my debit card arrived in the mail. when my debit card arrived in the mail.
Fiththird has put branch to branch as well as bank to bank notes in my file that I followed me to my new bank, that I feel have directly preventing from being approved for a low interest credit card, to which I qualify for and have spent three years earning. Now instead of moving up in life and in the credit world I have unfairly moved down. I canceled the secure credit card only to open a new one in XXXX of this year, XX/XX/XXXX. I did this so my credit was not negatively affected. Now I am being told this is not what happened. Ive dealt with two different fifth third branches, because I was not happy at the XXXX XXXX XXXX branch, as well as I reached out to the XXXX branch, trying to get this resolved. The situation only got worse and I was treated worse every time I went into a branch. I was told multiple stories of what was going on with my account first that I closed it and authorize the second that for fraud, closed it, and third now the banks, closing it on their terms. It would appear to me that fifth third has done what I wanted to with my accounts, including with my money and that is not just it is not right and it is not legal. I may have been on the wrong side of the lobby for, but I do not deserve this and I did not ask for less unfair treatment. I have been nothing but respectful to them and honest and this bad situation.
The bank has been biased to me and unhelpful with my account recovery. What ever they have put in my file has directly affected me negatively 100 %. This is not right.
I paid for identity theft monitoring and account monitoring during the three years that I was with fifth third and I feel misrepresented they have chose to close my accounts even though we talked about it, and I stopped using both the debit and secure credit card as much, however the accounts remained active, so my credit score was not affected negatively. Now I became aware that they no longer wish to bank with me and have closed my accounts without my authorization, dropping my XXXX XXXX XXXX points. This is directly discrimination against me because of the unauthorized charges they are choosing not to bank with me. Now my XXXX XXXX has dropped from a XXXX to a XXXX and still I qualify for a low interest credit card at my new credit union and still I was denied. I feel that the my misfortune with Fiththird has stopped me from the opportunity of further building my credit. When the unauthorized charges were made aware, I took precautions and froze my credit through XXXX. It was not till I remove the credit freeze that my accounts were closed through fifth third. please help me get this situation resolved clearly fifth third. I I believe banking with Fiththird is not an option anymore, and the feeling is mutual, however, I dont think it should have negatively affected my credit score. I think that the situation couldve been handled so much more professionally on their part, and with care, and it was not. I think they shouldve went back more than XXXX months because I paid for the identity theft and account monitoring for three years with fifth third. for this reason, I believe they shouldve refunded me all of the reoccurring bills that were taken from my account over the course of three years. Fifth third was in the process of refunding me the six months worth of XXXX XXXX bills and then they closed my accounts down.These bills were on authorized and started being deducted in XXXX when I didnt even have auto refill for myself. Fifththird tried to make me comfortable with the fact the moneys gone and that I should move on. If they really wanted to help me and a professional way, we wouldve closed all my accounts and reopen them removing any loose ends and attachments as well as the on authorizing in reoccurring auto refill, pills and suspicious activity. I have a record, and I have worked really hard to try to build my life back and be a productive member of society, and they directly played on that fact, and treated me so. I have no reason to lie or not tell you the truth my banking, history speaks for itself. I can provide any documents you need to help the validity of my claim.
I dont feel I was treated fair. I have been blackballed and discriminated I feel from Fiththird. They had the audacity to have a bank branch security member give me a phone call by the name of XXXX I spoke with him briefly he said he was located out of North Carolina. At the time I was trying to stop fifth third from closing down my accounts and reinstating my secured credit card to repair my credit. I did not realize that he was hired to talk to me as though I was a security threat to the bank. I am so hurt and down right outraged. I have been slandered and unfairly discriminated against by fifththird. I have never in all my life felt so misunderstood and cheated by an establishment that was supposed to entrust my savings. I have been nothing, but considerate to fifth third and light of the situation they let go on for three years.
Please look into my situation. Thank you.
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| 02/25/2022 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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To preface, this is the third time my bank account has been compromised in a month with Fifth Third Bank. They have done the absolute least to help me in this frightful situation. I am filing a complaint because I want my story to be known not only with the Bureau, but also among fellow prospective customers of Fifth Third Bank, so that they may be aware of what they would be getting themselves into.
A month ago, I came home from work and discovered a letter in the mail from Fifth Third stating that a phone number had been added to my account. Of course, I did not recognize the phone number and so I called Customer Services to remove this number and implement changes to help me protect my account. All they did was remove the number and create a new checking account to be linked to my debit card. When I asked about who would have done this, if I should create all new accounts instead of just the checking, and if they were going to look into it further to make sure nothing else happened, they told me they felt as though everything they could and should do was done and that it would " probably '' be fine.
A month later, Wednesday, XX/XX/XXXX, I went on lunch break from my job. As I was about to pay for my sandwich, I went into my banking app to determine that I had enough money on my debit card to cover the purchase. Upon logging into my banking app, I noticed that my savings account was in overdraft for the amount of XXXX dollars and some change. All of my savings had been to sent in an online transaction to XXXX XXXX, a bank I have never done business with. Not only that, but the hacker managed to somehow override my lack of overdraft protection services and were able to put my account in the negative. Luckily, I had enough cash on me to pay for my lunch and I quickly ran to my car to call my bank and sort this out. Unfortunately, I had no idea the amount of stress I would endure from this in the days that would follow.
I called my local branch on and spoke with a nice gentleman about the ordeal. He managed to flag the fraudulent transaction and told me to reach out to Fraud Detection Services and go from there. I waited on hold to speak with Fraud Detection Services for about 20 minutes. This wait time was ridiculous in and of itself but ended up being the shorter of the wait times I would experience with them. After speaking with someone on the line, they informed me that I would have to wait until the next morning to see if the payment had posted before I could even get my money back. Keep in mind, this hacker took all of my money and then some, so I only had cash on me to get through the rest of the day and I was already running low on gas in my car. My bank did not offer to provide me with any kind of a cushion so that I could get through the day. I ended up going into the branch and speaking with the same gentleman from before who was able to create all new accounts for me, with the exception of the breached account. Reason being, we could not create a new account until that fraudulent transaction had not posted.
The next morning, I logged into my banking app and saw that the fraudulent transaction did not post. I was incredibly relieved but just as quickly horrified to see that there was another fraudulent transaction sent to XXXX XXXX again via online transaction. I immediately called Fraud Detection Services and was on hold with them for 30 minutes before getting to speak with somebody. I had to explain the situation to the man on the other line who then had the audacity to ask me " Well how can I help you then? '' I laughed and replied with " I don't know, how CAN you help me? '' The only advice he could offer was for me to go into the branch, withdraw all of my money in cash and wait for the transaction to not post before depositing it again. So essentially, if I lost the cash or was robbed, they would not be liable for that. He then froze my account but told me he could not guarantee that this would deter the hacker ( s ) again. That call ended up being of no help, and so I called my local branch once again and the same gentleman offered sincere condolences and mentioned how embarrassed he was that Fraud Detection Services could be so unhelpful. He flagged this second fraudulent charge and told me to wait another day to make sure it didn't post before we could delete the account and make a new one. Keep in mind, I had bills due that day that I had to figure out how to pay since my account was essentially on lockdown.
Fast forward to this morning ... .I tried calling my local branch to see if the second fraudulent transaction had posted or not, because I was not able to login to my banking app due to it being frozen. I was not able to get in touch with that branch employee so the receptionist took a message for me. An hour later, I still received no call back from him so I made the decision to contact Customer Service. They then transferred me over to Disputes where I was informed that the transaction had indeed posted. After my account being frozen and the fraudulent transaction from 2 days prior being on their radar, you would think that this would not have happened, but it turned out to not be the case. I quickly started sobbing and asked the man if I could at least close that account so that no more fraudulent transactions could take place. He told me that I could, but then if I were to file a dispute, it would be mailed to me in a check and that would take up to 45 days for me to receive. I told him that would not work for me and asked what my other options were. He said I could then just file a dispute and it would take 8 business days for them to review and investigate before they would deposit the money in my account. I told the man on the line that I wished to speak with a supervisor. He put me on hold for 30 minutes before getting back with me and saying that I could not speak with a supervisor because " they were having technical difficulties. '' So I huffed and puffed, filed a dispute with him, and got in my car to race to my local branch ... once again.
I walk into the gentleman 's office and we started laughing about this whole situation because he's not even supposed to be handling this kind of ordeal. But, he felt so bad about the incompetence of these other two departments and probably wished to save me as a customer. We ended up being on hold with Fraud Detection Services for the glorious amount of 51 minutes before getting to speak with a single soul. They were only able to unfreeze my account for 2 minutes so that I could pay another bill using my credit card, since my debit card was now inactive due to them closing it. After freezing my account back, they confirmed that I would have to wait 8 business days to get the money back but they removed the freeze on my mobile banking portion, so that I could at least check my account each day to ensure no other fraudulent transactions take place on that breached account.
Here comes the real kicker. After telling this branch employee that once we get this resolved I am more than likely switching to a different bank, he informed me that " If I would like, '' I can have the option of " checking a box '' on my account that allows them to essentially temporarily pause any large transactions and require my approval before they go through. In other words, if I would have been informed by my bank beforehand that this was even an option or if they would have just followed the protocol of other wonderful banks who already have this in place with their customers, this whole nightmare would have never happened.
I have gotten in touch with my 2 employers to request paper checks for the time being seeing that my breached account was the one linked to my direct deposits. I didn't want this hacker possibly seeing that I had money coming into it. I have never been so stressed in my life over the course of a few days and after this gets sorted out, I vow to never do business with Fifth Third Bank again. I will also be spreading the word about my story to fellow friends, family, and colleagues so that they can avoid this as well.
I apologize for the essay, but wanted to make sure I got every detail in there that I could. Thank you so much for taking the time to read this. I also really hope that we can catch the person who did this.
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| 08/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To whom it may concern ; I have been conned by a very lawyered savvy " XXXX '' company that had me believing I could legitimately earn a living by way of working from home. Please note, their paper work has addresses and points of contact being within a few different states such as MN and IA. Their case number assigned to me from their XXXX is # XXXX XXXX XXXX. The 24 page dispute from this company has a Merchant address of XXXX. XXXX XXXX, MD XXXX, The XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NV XXXX XXXX. Please note the Dispute Documentation listed below. XX/XX/XXXX ( page 1 of 2 ) XXXX XXXX Dispute With XXXX University/XXXX XXXX XXXX The following is XXXX XXXX perspective regarding the XXXX University/XXXX XXXX XXXX disputed charges on her XXXX XXXX. Most of the so-called teaching sessions in XXXX XXXX were focused on XXXX investing more money if she wanted to secure greater access to merchandise warehouses and products to resell over the internet. The education portion of the interactions was a very small percentage of the actual overall contact. It was getting systematically more and more expensive than initially implied and felt deceptive. All the information provided was part of an unending sale pitch. Questions were asked to reveal credit card limits, and then spend those funds to increase more access. The pitch was that you have to spend money to make money. XXXX felt she was being groomed to wade deeper into the world of business independence and prove it by increasing her commitment. After seeing her initial investment of {$45.00} increase to well over {$3000.00}, with more investment coming, she felt uncomfortable and suspicious. XXXX decided to stop all communication. XXXX is suggesting that they provided XXXX with training opportunities that she failed to follow through with. XXXX stopped communicating with them because of what was becoming an obvious trap to take her money. This was not what the original advertising had implied. It appeared to be a scam. There was far more emphasis on investing additional money than actual useful information about the business. It is interesting to note that XXXX XXXX XXXX appears to be originating from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX which is a small island off the east coast of XXXX. What is particularly disconcerting we contacted the XXXX XXXX XXXX XXXX XXXX XXXX and were advised to dispute the charges through Fifth Third Bank Master Card. Ruths credit card was canceled. We initiated the dispute XX/XX/XXXX and XXXX XXXX chargers were found to be invalid. We were reimbursed {$3100.00} on XX/XX/XXXX. The bank wanted to automatically reissue a new card even though XXXX declined. The bank rep decided to reassign a new number without mailing a new card as XXXX told her she didnt want to use it. XXXX did not authorize the release of her credit card information to anyone for any purchases at any time. This was a new credit card number issued after the initial dispute. We never received any documentation regarding the banks decision to consider a rebuttal by XXXX XXXX. Their lawyers had crafted a legal response that covered them but was not in reality accurate. On XX/XX/XXXX, XXXX noticed a new charge of {$3100.00}. Contacting the bank, XXXX discovered that the XXXX XXXX XXXX had released the new card number to the XXXX University. Without XXXX consent, XXXX XXXX allowed the very company that had lost the dispute the first time to charge her all over again. This is contradictory and outrageous. We feel we have been robbed twice and XXXX XXXX was compliant in this second crime. We would prefer not to seek legal counsel at this time to resolve this issue. We also believe that Master Card needs to reevaluate their business ties to XXXX University and the XXXX XXXX XXXX. The sales practices XXXX experienced through her brief interactions with them were certainly unethical and misleading. Details and Timeline 1. ( XX/XX/XXXX ) XXXX XXXX was attracted to an ad on her computer that advertised an opportunity to provide financial independence through utilizing drop ship internet sales. Initially, a {$45.00} membership fee was required. Once into the site, XXXX was encouraged to pay an additional {$97.00} if she was to get to the next level of resources. XXXX chose to pay both fees totaling {$140.00} thinking that was all that would be required. ( In hindsight, XXXX was being groomed for future spending. ) There was never any mention of additional financial commitments at this point. 2. ( XX/XX/XXXX ) XXXX was then contacted on her cell phone by a representative from XXXX University regarding their program outline. They said that, once in the program, a coach would be contacting XXXX each week for 7 weeks, followed by four monthly calls. The XXXX main programming areas focused on were XX/XX/XXXX, drop shipping and posting links for companies. The hook was the easy accessibility of the coaching and information provided. XXXX was then informed that another representative would be calling her that evening to explain the business in more detail. This first call lasted one hour. ( page 2 ) 3. ( XX/XX/XXXX ) XXXX was contacted again, later that evening, by a representative to see if she would be a good fit for the business. During the conversation the concept of using other peoples money to work for you was discussed. She was then asked if she understood the need to spend money to make money? The rep then asked if she had a credit card and how much borrowing ceiling was available. XXXX divulged that she had {$3100.00} available. XXXX was told that if she committed that money, she would have access to companies that needed drop shippers. This call lasted two hours. ( In hindsight, we should have realized how strange that it just happened to be the exact amount XXXX said she had available in her credit card. ) 4. ( XX/XX/XXXX ) XXXX received her first coaching session with XXXX regarding using XX/XX/XXXX as a tool and was given access to training videos. XXXX. ( XXXX ) XXXX was contacted and told that she needed to set up an appointment with a financial counselor from the XXXX XXXX. XXXX. ( XXXX ) The next appointment was encouraged to be made quickly. Supposedly, there was time sensitive information for XXXX to learn regarding her investment. At this session, XXXX husband XXXX joined the conversation over speaker phone with XXXX XXXX. Having been in sales, XXXX noted that XXXX was leading XXXX through his presentation in a systematic way to corner her into making a decision of some kind. It eventually surfaced that XXXX would want to legitimize her business by setting up an XXXX license. In the end, this was going to cost an additional {$590.00}. ( We were shocked that, after all the money spent to this point, we were asked to spend more. We also learned, with a little research, that we could have secured this license for a fraction of the cost on our own. ) At this point, we told XXXX that we needed time to consider the additional cost. He seemed surprised and wanted us to make the decision that night. ( Another red flag. ) 5. ( XXXX ) The next session, the rep told XXXX that once identifying her niche in product sales, XXXX XXXX would guide her to the wholesale company that could provide multiple brands and styles to choose from for posting on her website. This company would manage the orders, create and market her website for additional yearly cost of {$3000.00}. At this point, XXXX told the rep that she couldnt invest any more money. The rep then backed-peddled and changed the fee to be just a one-time only fee. ( It was obvious that something wasnt consistent in the way fees were charged. They seemed more interested in getting whatever money they could moving forward. ) At this point, XXXX discontinued all contact with XXXX XXXX because we felt this was not a legitimate business. The relentless pressure applied to continually invest more money was unpleasant and frightening. The coaching was initially very minimal and the teaching materials covered information that anyone could access on the internet. XXXX was a victim, drawn into an ever deepening financial trap. This is a sleazy company that is designed to ensnare and take advantage of people who only want to improve their lives financially.
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| 08/01/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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We experienced wire fraud on from our savings account, in which {$24000.00} was transferred to another 5/3 bank location. We live in Michigan and the wire transfer occurred in Florida. This is clearly fraud. Below is our timeline of exhaustive efforts to get our money back. Thank you for your help!!!
Timeline of Fraud Starting balance of savings account was : XXXX After wire fraud and transfer fee left XXXX in account.
XXXX XXXX : Wife gets email about changed contact information ( address, phone, email ).
XXXX : Wife calls 5/3 talks to representative from phone number provided on 5/3 website. Rep assists in changing contact information back to wifes info.
-Both of us are working. I have to badge into Police Department and Courthouse, she drops baby off at XXXX at XXXX ish and has to provide access door code. She also picks him up around XXXX that same day. Works from XXXX.
-Wife locked out of account all day despite changing contact info with rep.
-Today is the day the wire fraud occurred.
XXXX -We close on both houses. No transaction from 5/3 in order to close. After closing we received the difference from the profit on the sale of XXXX house. We both drop it off to 5/3 on XXXX XXXX. in XXXX, XXXX, sign the back and deposit it. Obviously should be on camera. Deposit occurred around XXXX PM.
XXXX PM : I check account balances to see if deposited check cleared. Notice that nearly {$25000.00} is missing from savings account. I notice that a wire transfer occurred on XXXX for {$24000.00} and a {$30.00} wire fee. I immediately call 5/3 fraud line, but call center is closed. Wife still can not access her account.
XXXX ( day 1-investigation begins ) -I call the fraud line first thing in the morning and keep getting shuffled from person to person. This occurs for XXXX minutes until my call is dropped. I then decide to drive to a branch.
XXXX : I speak with XXXX XXXX 5/3 branch. XXXX reports that looking into the wire transfer, it appears that it was a domestic wire transfer to a 5/3 location in Florida. State that someone must have posed as wife. He stated his frustration because the account appeared to be locked at the item of wire transfer. XXXX starts wire fraud investigation and emails XXXX XXXX other banker ) to keep in the loop. XXXX reports he or XXXX will call back later in the day. Suggests filing a police report.
-I call dispatch and request to file a fraud report. Later receive a call from XXXX XXXX to file report. XXXX. XXXX requests location of 5/3 bank where the wire was sent. Completed my statement and police report filed under XXXX.
-I end up calling XXXX to request 5/3 location where the wire fraud occurred. He sends and email to get the location and I inform him that I have filed a police report. Provide XXXX with the PR number.
-wife goes to 5/3 branch and provides photo ID to XXXX XXXX person.
-I talk with wife and she informs me that she received and email alert not a text alert on her phone. She XXXX 5/3 bank contact info and calls on Tuesday ( XXXX ).
XXXX ( XXXX ) -Collect screenshots of email wife received on the XXXX and fwd to XXXX. XXXX, XXXX wife in email.
-Told wife she needs to go to 5/3 and reset her password asap.
XXXX ( XXXX ) XXXX : Wife and I go to 5/3 bank and met with XXXX XXXX XXXX close our old accounts and move money to new accounts. XXXX appears concerned but is more concerned with selling us other 5/3 products. Explained to her that we can not even think beyond getting our money back. XXXX provides address of scammer of a XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX and phone of XXXX. This was the changed info listed on the account. Makes me wonder if 5/3 even ever helped wife change her contact info on the XXXX. I later run this address through XXXX county XXXX tax site and the address comes back to a male.
-Sent update to XXXX. XXXX because previous email was in drafts.
XXXX ( XXXX ) -Wife was told money wire to 5/3 in Florida and then went into a XXXX account with account holder first name XXXX XXXX Gets contact info for XXXX rep XXXX @ XXXX No response.
-Have heard nothing from Bank Protection regarding findings.
-None of our debit cards work. Luckily able to activate 5/3 credit card.
XXXX ( XXXX ) XXXX AM : Called XXXX at XXXX and left a voicemail.
-Wife reports that XXXX XXXX her back and stated that she needed to request a Holds Harmless form 5/3 bank stating that wire transfer was fraudulent. Wife calls and speaks with XXXX from bank protection XXXX. XXXX forwards Wife to the fraud department and states she needs to ask for a provisional credit. Wife ends up being passed from person to person and eventually disconnected.
-Dep. XXXX calls reporting that he never received my emails. I review verbally what is going on and then he provides email via text. I can send over my previous emails and screenshots. XXXX. XXXX confirms receipt over text.
- XXXX : I call 5/3 fraud detection and hold for over XXXX minutes. Finally got in touch with XXXX from disputes @ about XXXX. Requested update on status of case. She reviewed case. I also asked for provisional credit. She reported that shes having computer issues and is going to speak with a supervisor. She then reports that she can not dispute wire frauds and needs to transfer me to a Wire Frauds Dispute Department. Transfers me there @ XXXX. XXXX answers and reports that this is the commercial fraud department and gives me a number for XXXX, she forwards me, and I release that shes sent me to the beginning of the phone tree again. I have hang up and get back to work.
XXXX : XXXX XXXX claim outlining our inability to get a remedy to our wire fraud. ( Complaint ID : XXXX, Date Filed : XXXX ) XXXX : Submit FDIC XXXX outlining our inability to get a remedy to our wire fraud. ( Case # XXXX, Institution name : Fifth Third Bank , National Association, Current Status : Active, Date Submitted XXXX ).
XXXX ( XXXX ) - XXXX I called and spoke with XXXX at 5/3 bank XXXX XXXX. XXXX. Requested to speak with either XXXX or XXXX. XXXX reports they are both out of the office. She took my name and number and stated on of them would call me back.
XXXX Call to 5/3 bank fraud line at XXXX. Speak with XXXX and placed on hold to speak with my case specialist. First time that Ive heard that my wife and I have a case specialist. XXXX reports that she is connecting me to XXXX who is the case specialist assigned to me. I speak with XXXX. XXXX reported that she is assigned to me and handles all concerns assigned to her through the XXXX XXXX XXXX. XXXX has a copy of my XXXX report and this timeline of who has been contacted. I gave her a run down of our situation. XXXX appears to be genuinely helpful. I discussed with her the holds harmless letter being requested by XXXX at XXXX. She states that she will be focusing on that. I also ask her about the fraud complaint attached to 5/3 bank and ask her what my number is. She reports XXXX. I ask her how long this investigation typically takes, and she reported that essentially with XXXX banks being involved it could take 30 days or longer. But that she tries to close complaints out within 7-10 days. XXXX provides me with a direct phone number to check the status of the fraud investigation. XXXX phone number is XXXX. I told XXXX that I appreciated her time today. She reported that she will keep me updated.
XXXX Received a XXXX XXXX at 5/3 following up on my XXXX post on the 5/3 website. Noting that no revealing information was provided during the post. Post made simply to put pressure on 5/3. XXXX reports concern for the case. I tell him that I got off the phone with XXXX the XXXX XXXX. He reported that he knows XXXX. He stated that if there is anything they can do to please call him. I tell him I appreciate his help.
XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) - Sent email to Fifth Third XXXX XXXX XXXX
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| 11/02/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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Hello, I would like to file a complaint and bring to your attention my experience with Fifth Third Bank in obtaining a HELOC on a rental property.
Below is my attempt to summarize as much as I can to highlight the situation.On XX/XX/XXXX, I reached out to XXXX at XXXX, NC location to check if the bank offers Heloc on rental properties. I told him the rental property is fully paid for so the potential lender will have a first lien on the property. He told me yes but he wanted to double check with his manager and he told me I would also require to open a checking account.
Next day on XX/XX/XXXX, I received a voicemail from XXXX confirming that Fifth Third will offer Heloc on rental property. We set an appointment to meet to apply for HELOC.
On XX/XX/XXXX, during the meeting, XXXX was more interested in opening the checking account than discussing the HELOC. I told him I like to have more info on HELOC first before I apply for checking account. I asked him what rate can they offer me. I was told around 4 %. I told him that seems high and if there is a way to reduce it. He told me the rates could go to Prime if I got a preferred status with the bank and that can be obtained by having deposits of $ XXXX. These deposits can be in savings, checking, brokerage, or retirement accounts.
That sounded like a good offer to me, so I decided to go ahead with the process. I thought he will take Heloc application first and then the checking account. He said that he will open the checking account first and then he will have to setup another appointment for Heloc application. I found that to be strange but I went with it. While filing the checking account application he asked me if I had cash to fund the account. I said I dont carry cash. He then asked me if I had a check and I said no. I asked him can we not do this electronically. He said no. He asked me if I wanted to do cash advance on my credit card. I was shocked and upset as cash advance incur high fees. Any banker suggesting such is very irresponsible in my view and I was not going to work with such a banker. I told him I am not comfortable with all this and I walked out of the branch.
I was really interested in getting prime rate ( 3.25 % ) on a Heloc on my rental property. So I called another Fifth Third banker. I called XXXX XXXX but we were not able connect. I then called XXXX XXXX and she advised me that Heloc is done by a personal banker and not a Mortgage Banker and she was a mortgage banker. I shared with her how my experience with XXXX went. She suggested that she can help. She said will first validate all the info based on my requirements and then have a personal banker reach out to me to set up an appointment if all checks out.
XXXX called me next day and shared the following info - One can get HELOC on rental property if following conditions are met - 65 % Loan to Value, $ XXXX max credit line, 35 % Debt to income ration, first lien on the property.On rates XXXX shared that one can get an introductory offer for 1.99 % for there the first year. Also if I get preferred status then the rates will be P+0.25 %. This was different than what XXXX told me. XXXX also added that preferred status can be obtained by having a deposit of $ XXXX which can be in the savings, checking, CD, brokerage account or retirement account. I asked if XXXX account is eligible and she confirmed it is.
Based on this information we agreed to have a personal banker give me a call to setup the appointment. XXXX XXXX called me and we setup an appointment to meet on XX/XX/XXXX to meet at the XXXX location.
On XX/XX/XXXX, I met XXXX and before we start with any application or do any paper work I shared my requirements and what XXXX had shared. XXXX confirmed and we decided to do a HELOC application first. We also agreed that we will setup another appointment with another banker who will help me through the process to get preferred status, i.e. setup an IRA account where I will move $ XXXX to get a preferred status.
Application Process - This was done by XXXX asking me bunch of questions. She printed the application for me to review before she submits it. I pointed out 3 things on the application - Property Year Acquired = XXXX ( correction-this should be XXXX ) Property Type = Secondary Residence ( correction-this should be Investment ) Present Address = no tick mark ( correction-this should be marked as OWN ) Ceci mentioned that she noted all XXXX changes and has put those in the comments section so we are good to go.
After this XXXX asked me if I also want to open a checking account. I told her fine as long as I get a HELOC. She opened the checking account with {$0.00} balance. This was interesting as with XXXX I was asked for cash and then check and then cash advance on credit card.
XXXX called me next day to let me know that she has some bad news. She informed me that they will not approve my application as the underwriter thinks that this is a rental property and not a secondary residence. I told her that we did apply for rental property so not sure whats going on. I asked her if I can talk to the underwriter to better understand their rationale on the decision and if I may clarify or provide more information for them to reconsider. I was told no. XXXX then started talking something about reserves. I asked her what does the underwriter need. If they need reserves please let me know and I will be happy to satisfy that requirement. I told XXXX if they need to see 6 mos of XXXX as reserves which comes to around $ XXXX then the funds in my checking account should do that. I typically keep around $ XXXX in my checking account so that should actually satisfy their 12 months of XXXX if need be.
The fact of the matter is the banker knew I was applying for a rental property. This was confirmed by XXXX, XXXX and XXXX herself. So the bankers are in sync. They were accepting application on XXXX on rental property. It seems like their underwriter did not get the memo. The underwriter declined me because this was a rental property. OR the personal bankers knew this and they used this to just open the checking accounts. Perhaps they have a quota to meet and for them it didnt matter how they got customers to open the account.
I then called XXXX again to share my experience with her. She was shocked and said she will look into it. She came back with I got so many different answers this afternoon about the Heloc with Investment properties, I dont know what the correct answer is to be honest with you!
If Fifth Thirds own employee is not able to navigate their own organization and figure out their own rules there is no way on earth any customer can understand whats going on.
Few days later I got a letter in the mail about my application. It was declined. Decision reason provided wasLack of qualifying deposit relationship. This was shocking as this is not what XXXX communicated to me.
During the application the banker knew I was not an existing customer nor did I have any relationship. This is just cheating. Was this a stunt to get me open a checking account? This was a hard inquiry on my credit as well.
Just to show/prove how messed up this is I called another branch of Fifth Third on XX/XX/XXXX at XXXX and spoke to XXXX. I provided her with same information, i.e. Property Value = $ XXXX ; Property paid off-no mortgage on it ; credit score XXXX Here is what I was told - Yes I can get HELOC on rental property. I can borrow up to 80 % of value. Max limit to borrow is $ XXXX. Rate = 4.39 % Since I was denied due to deposit relationship I then asked this.
Do I need to be an existing customer? She said NODo I need to have any deposit relationship to qualify for HELOC? She said NO Can someone please explain this? Fifth Third bank did wrong by me. I am asking them to do the right thing here.
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| 01/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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1 ) In XX/XX/XXXX my first mortgage loan with XXXX XXXX was transferred to Fifth Third bank who purchased the loan. Per instructions from Fifth Third automatic payments that had been issued from XXXX XXXX were re-directed to Fifth Third.
2 ) The first payment ( XX/XX/XXXX ) was returned to XXXX because Fifth Third said the amount of the payment did not match their records for the loan that they had acquired. I later re-submitted this payment directly by check.
3 ) The reason the payment did not match Fifth Thirds records is because I had been in a dispute with XXXX XXXX about the amount of escrow payment they required per what I believed was an erroneous calculation of the escrow deposit. I adjusted the payment to what I believed was the correct amount.
4 ) XXXX XXXX had informed me in writing that they had adjusted the escrow amount, but later revealed that they had not in fact adjusted the escrow prior to the transfer to Fifth Third and that I should seek this adjustment from Fifth third. Fifth third informed me that this would take 60-90 days.
5 ) Unbeknownst to me, Fifth Third has a policy of not crediting mortgage payments that do not match their records on file. Instead they place payments in an account called unapplied payments and in one month actually returned a payment by check that was less than the amount in their documents. I also manually re-submitted this payment.
6 ) I was unable to get Fifth Third to review the situation regarding the XXXX XXXX payments, but on XX/XX/XXXXFifth third sent me a revised escrow analysis showing that I needed to pay {$830.00} to have sufficient funds in the escrow for future taxes and showing my new payment to commence XX/XX/XXXX. Please See EXHIBIT A 7 ) I paid the additional escrow amount and revised my automatic payments to the new amount ( {$2800.00} ), which payments commenced XX/XX/XXXX.
8 ) Prior to XX/XX/XXXX I made timely ( except for the returned payment ) regular electronic and manual payments to Fifth Third in amounts never less that {$2600.00}, or approximately {$700.00} more than the principal and interest ( which is {$1900.00} ) 9 ) Nonetheless Fifth Third declared me to be in default on the loan commencing almost immediately upon their acquisition of the loan from XXXX XXXX, because the miscalculated XXXX XXXX payments on file from the loan acquisition were {$3400.00}.
10 ) Despite numerous phone calls with Fifth Third collection personnel and letters to Fifth third I was not able to obtain an accounting that explained the escrow but also the status of my payments to Fifth Third, most of which were held in an unapplied funds account and were accruing and showing as much as over {$13000.00} being past due despite regular monthly payments. Unapplied account payments do not show up as payments resulting in highly distorted mortgage loan statements to borrowers, even though Fifth Third has the funds in its possesion.
11 ) Being frustrated by Fifth Third 's unresponsiveness, on XX/XX/XXXX I filed a complaint with CFPB which was promptly responded to by Fifth Third.
12 ) At about the same time, XXXX XXXX responded with apologies for their error and waived a late fee they had assessed and reversed a negative credit report they had sent to XXXX.
13 ) In responding to the CFPB complaint Fifth Third processed all the payments in the unapplied funds account, waived its late fees and as a result I began to receive relatively normal Monthly mortgage loan statements. Please see EXHIBIT B 14 ) NONETHELESS, Fifth Third did not respond to the issue of the difference in the payments made prior to the new Fifth Third payment beginning XX/XX/XXXX and the payments required in the XXXX XXXX documents. In other words, they did not address the underlying problem. Their monthly statements still insisted that I had a past due balance. Furthermore, they threatened negative credit reporting if that additional payment was not made by XX/XX/XXXX. Please see EXHIBIT C redlined sentences 15 ) Referring back to EXHIBIT B the XX/XX/XXXX Mortgage Loan Statement shows an escrow balance of {$5000.00}. The XX/XX/XXXX regular mortgage payment which postdates this statement added another {$840.00} to the escrow and the XXXX payment will add another {$840.00} bringing the total escrow balance as of XX/XX/XXXX to {$6700.00} The next tax payment due on XX/XX/XXXX will be {$5600.00} Please see EXHIBIT D If the taxes are paid on XX/XX/XXXX from the escrow, the remaining escrow funds will be approximately {$1100.00}. The regular XXXX payment will add another {$840.00} to to the remaining escrow funds for a total of {$1900.00} in escrow as of XX/XX/XXXX payment.
16 ) Please see EXHIBIT E. This is page 2 of the escrow analysis provided by Fifth Third on XX/XX/XXXX. Please note that by their own language and reference to Federal law it clearly states that two months of escrow payments is the required cushion for escrow accounts and that my escrow should never fall below {$1600.00}. Clearly, there are sufficient funds in the escrow account to meet that requirement even after the XXXX real estate tax payment. {$1900.00} is greater than {$1600.00} 17 ) Nonetheless, Fifth Third continues to insist that I should pay an additional amount of {$2800.00} which would result in an escrow balance of {$4800.00} as of XX/XX/XXXX if I were to pay that amount. In other words, they will not address the escrow error, they simply will not deviate from complying with the records they purchased from XXXX XXXX.
18 ) Despite my pleas to Fifth Third to rectify this situation, even citing that they would be in violation of Federal Law and their own policy with respect to the escrow, they did not respond to my requests after responding to the CFPB complaint. Apparently they concluded that they had rectified the situation by merely processing payments into a comprehensible mortgage loan statement. Please see EXHIBIT F as an example of my attempts to get them to address the situation.
19 ) Instead Fifth Third made good on their threat to report me as delinquent to credit reporting agencies, resulting in a reduction of my credit rating by 95-98 points. Please see EXHIBIT G 20 ) Summary of existing law : The Fair Credit Reporting Act provides protection against the misuse and misreporting of credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, it can cause a lower credit score, denial of credit, higher interest rates on loans and credit extensions, and more.
Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely Definition of Willful A willful violation does n't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklessly -- that is, the CRA or other entity knew or should have known that it was running afoul of the FCRA.
Damages for a Willful Violation If you can show that the credit reporting agency ( CRA ), information furnisher, or entity using the information willfully violated its obligations under the FCRA, then you may be entitled to recover up to all of the following damages : Basic Damages ( pick one ) : actual ( provable ) damages ( no limit ), or statutory damages damages between {$100.00} and {$1000.00} ( to get these you do n't have to prove that the violation harmed you ).
21 ) By repeatedly and deliberately ignoring my requests to rectify this situation and using derogatory credit reporting to bully me into overfunding the escrow account, Fifth Third has wilfully violated the Fair Credit Reporting Act.
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| 02/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX, also known as XXXX XXXX XXXX, convinced me to purchase its XXXX XXXX XXXX XXXX program at the price of {$41000.00} and its {$27000.00} XXXX XXXX XXXX program ( paid {$16000.00} ) under false guarantees and misrepresented assumptions, and now they can no longer offer the services I paid for because they have been taken over by the government.
I attended a XXXX XXXX XXXX, XX/XX/XXXX at which time I was offered the opportunity to purchase and attend a 3-day workshop with XXXX XXXX XXXX for {$990.00}. I purchased the workshop on XX/XX/XXXX. ( attachment A ).
During the 3-day workshop,XX/XX/XXXX, I was enticed to purchase their XXXX package for {$41000.00} ( attachment B ). I was told with that package, I would have specialized training and the guidance needed to be successful as a XXXX XXXX XXXX ( XXXX ). I was told, I would learn how to earn thousands of dollars in profit, with little time and effort. I purchased the XXXX package over a period of four days ( Attachment C & D ) as I waited for XXXX XXXX ( company that specializes in acquiring at least {$50000.00} in credit card funds for XXXX XXXX XXXX Clients ) to finish acquiring over {$100000.00} in credit card funding for me.
XX/XX/XXXX {$2500.00} debit card, ran as credit XX/XX/XXXX {$2500.00} debit card, ran as credit XX/XX/XXXX {$15000.00} XXXX XXXX XXXX card ( new card obtained for this purchase ) XX/XX/XXXX {$12000.00} Fifth Third ( 5/3 ) card ( new card obtained for this purchase ) XX/XX/XXXX {$9000.00} XXXX XXXX card ( new cad obtained for this purchase ) I then attended their FastStart 3-Day Bootcamp where a trainer came to my area to teach me about XXXX and XXXX XXXX. It was more of what I had heard/learned at the 3-day workshopXX/XX/XXXX. However, it was still early in the training, so I was confident I could/would learn more.
On XX/XX/XXXX, aXX/XX/XXXX Representative phoned me to tell me about XX/XX/XXXX ( {$27000.00} ). I was told that this program would give me the best chance of success. I was told this program allows me access to coaches who will guide me step by step on the process that I should take in order to be successful at XXXX XXXX XXXX. I thought I had no more money after purchasing the {$41000.00} XXXX XXXX. The representative asked me about my credit cards and their balances, I only had {$16000.00} left on my credit cards. The representative told me which cards to use and how much to put on each card. He said I had nothing to lose and everything to gain. He said my XXXX XXXX XXXX would cover my credit card payments and when I started making money, I could pay the remaining {$10000.00}, ( attachment E ) XX/XX/XXXX {$4500.00} XXXX XXXX card ( new card obtained for this purchase ) XX/XX/XXXX {$9500.00} XX/XX/XXXX card ( new card obtained for this purchase ) XX/XX/XXXX {$2500.00} Fifth Third ( 5/3 ) ( new card obtained for this purchase ) I received personal coaching sessions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The sessions were cancelled on XX/XX/XXXX, and XX/XX/XXXX. After reviewing the three sessions I had thus far, I phoned the company on XX/XX/XXXX to suspend my coaching, as I kept learning the same things. I was unable to obtain a funding loan to purchase and/or bid on properties because my debt to income ( DTI ) was too high. XXXX XXXX XX/XX/XXXXoften stated that income and/or credit history would not be a problem to obtain funding through their partners. However, I was unable to obtain funding because of those exact reasons. I took a break from the program for a while, with the presumption of getting back to it after a break from disappointments.
On XX/XX/XXXX, a XX/XX/XXXX Representative came out to my area to provide the 2-day One on One mentorship. Again, this was a lot like the 3-day workshop, and 3-day fast start boot camp. I did not feel he provided much more than what I had already learned previously.
On XX/XX/XXXX, I attended the XXXX XXXX XXXX Investor Summit. Again, a lot of the same information we had already heard. This time there were celebrities invited to tell us about their successes and how to be a successful XXXX XXXX XXXX. I also spoke with a ton of other participants who shared their frustration about receiving the same information and not seeing a profit. After this event, it was clear that without the proper funding, none of the skills that I had heard over and over again could be put into practice successfully.
I decided to focus on paying back the more than {$57000.00} in credit card debt that I had acquired for me to pay for the XXXX XXXX and XXXX XXXX XXXX XXXX. I decided I would pay down the debt then pick up my XXXX XXXX XXXX coaching sessions and complete the trainings offered through the XXXX Program at a later time.
On XX/XX/XXXX, I was informed by a XXXX XXXX XXXX Coach, that XXXX was out of business. I was informed that coaches could no longer fulfill their commitment of the coaching program. The company no longer exits and had been taken over by the government and I was advised to go to the website XXXX for additional information ( attachment F ).
Upon going to XXXX, I was advised to contact my credit card company to see the remedies available to me. At this time I am requesting a refund as I did not receive all of the services that were paid for. Also, as pointed out in the compliant, restraining order and Stipulated Preliminary Injunction Order, the company made false claims and unsubstantiated guarantees ( attachment G ).
I only received 3 coaching sessions from the XXXX XXXX XXXX XXXX that I will not be able to resume as previously thought because they can no longer provide the services. Further, I'm not sure how useful the coaching will/would have been as they say the same things over and over again. I should not have to pay for services I did not receive, nor services that aren't what they were advertised to be.
Further, I did not complete all the services offered to me in the XXXX Program. Further, the services that were offered were inadequate, false and misleading. I have yet to make any profit from the program and I will not be able to phone them for assistance as the company can no longer offer assistance. All that I have from this experience is a ton of credit card debt.
I mailed to Fifth Third Bank, a dispute letter with attached documentation on XX/XX/XXXX. By XX/XX/XXXX, I hadn't heard anything from Fifth Third Bank, so I phoned ( XXXX ) and was told they had not received my dispute and told me I needed to file it by phone ( the representative said all disputes are filed by phone, they don't accept disputes by mail. ) I received a letter dated XX/XX/XXXX, requesting that I verify the dispute information ( case # XXXX ). On XX/XX/XXXX, I emailed back the one page asking me to verify the information I filed as a dispute. I then received a letter dated XX/XX/XXXX, which indicated a resolution had been reached. My dispute was denied because it was submitted outside of the time frame allowed.
I phoned on XX/XX/XXXX, and spoke with XXXX who reopened my case and said it was closed because of the lack of information. I explained that only the one verification page was requested of me, never background information, but I told her that I could certainly send it. She advised that I send the additional information, which I emailed on XX/XX/XXXX.
On XX/XX/XXXX, Fifth Third Bank again sent me a letter stating the dispute was denied because their research confirmed that the transaction was valid. On XX/XX/XXXX, I sent an email, requesting an appeal as I did not agree with Fifth Third Bank. Although the transaction was valid, it was misrepresented and not rendered, per the government seizure.
I have yet to receive a response regarding my appeal ( email, mailed letter or phone call ).
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| 10/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I initially contacted 5/3 Bank on XX/XX/2022 to follow up on report that I filed back in XXXX of XXXXwhere I advised the institution that what I thought was a fraudulent charge on my XXXX ending in XXXX. The charge was {$16.00} from XXXX, and appeared to be a monthly charge for a XXXX membership.
I advised that I did not authorize the charge, and that I pay my XXXX XXXX membership in one lump sum in XXXX or XXXX each year on a completely different card with another card issuer. The representative completed a dispute, and issued me another card. This is a card that I rarely use besides a purchase to XXXX back in XXXX for approximately {$2000.00} and a monthly subscription to XXXX XXXX which is around {$9.00} a month.
Several months later, I noticed that the charges were still coming through, so I called 5/3 bank back XX/XX/XXXX ( XXXX XXXX XXXX ) and spoke with a representative who advised that she could see that I had done a dispute, but XXXX has the ability to get your new card number from XXXX as a part of MasterCards ability to share your information ( I'm assuming per the 5/3 Bank XXXX agreement ). The representative offered to put in another dispute, but I wanted to avoid that because if XXXX can simply get the new card number, I would be back at square one in XXXX. The representative advised that I should contact XXXX customer service in an attempt to let them know the charge was fraudulent, which I did the same day at XXXXXXXX XXXX XXXX.
The representative I spoke with at XXXX stated that there was a different email address associated with the card ending in XXXX ( which now ended in XXXX after the dispute ). I advised the representative that I wasn't familiar with the email address, but the rep insisted that I must have shared my credit card information with someone I know, and I reiterated that I did not. Since I was not able to " verify '' the email associated with the {$16.00} XXXX XXXX monthly membership, I was advised that he could only refund the charges but could not stop them going forward although I advised that I had no association with that account or email. The rep went on to say he couldn't pull up the information with the potentially fraudulent account because I couldn't verify the email.
After hitting a wall with XXXX Customer service, I called 5/3 Bank back hoping that there were some options on the table to resolve this issue that another more senior representative would be able to offer ( XX/XX/2022 XXXXXXXX XXXX ). Unfortunately, the only options I was offered with either doing a " Stop Payment '' with XXXX ( which I was advised that XXXX could potentially decide not to do business with me anymore ), or another dispute, or to call XXXX to ask them to stop sharing my information when a new card is issued, i.e. " opt out '' of information sharing. I thought that calling XXXX would be a reasonable option, so I called them XX/XX/2022 XXXX XXXX Unfortunately, the representative at XXXX forwarded me back to 5/3 Bank 's customer service line.
Now during this time, I still had full access to my account online to make payments, etc. The XXXX representative ended up forwarded me to 5/3 Bank 's dispute resolutions team who reiterated that the dispute that they were offering to put in may cause me to lose my business relationship with XXXX, but in my opinion it was worth it because I was being charged for a membership that I was not responsible for. I went forward with the dispute and sent an email to " XXXX '' as requested by the representative with details of what transpired and documents to prove that I paid my XXXX XXXX membership on an annual basis, not monthly ( attached ).
I received a letter from 5/3 Bank dated XX/XX/2022 that essentially advised that my dispute with XXXX had been resolved and I received a credit of {$16.00} on XX/XX/2022 ( attached ).
Fast forward to XX/XX/2022 and for some reason I'm not able to log into my aforementioned 5/3 credit card account. I call the customer service hotline ( XXXXXXXX XXXX XXXX ) to have my account unlocked ( thinking that I entered in my password incorrectly too many time ). The customer service representative I spoke to initially starts asking for extra identifying demographic information, which I thought was odd but I complied. After verifying my information, the representative advised that my account was being reviewed by the fraud team and she needed to transfer me over to that department. After giving the agent that I'm transferred to a few moments to review the account, she comes back on the phone to ask me questions I can't possibly answer without online access to my account ( e.g. month, date, year card was opened, last payment made, and minimum payment due ). I was told that I failed the verification, and was told nothing else about the status of my account. The representative did state that I needed to go into a branch to resolve the issue, but did not offer what I needed to take or address the fact that I live 4-5 hours from the nearest 5/3 Bank branch XXXX I want to add that 5/3 bank has not sent me anything in the mail or via email that advises that there is an issue with my credit card account. The last communication that I have from 5/3 Bank was the letter that advised my dispute was settled.
I called back into the customer service number about 20 minutes later at XXXXXXXX XXXX XXXX. Again, the representative forwarded me to the fraud department were I sat on hold for XXXX minutes. I hung up, called back in at XXXX XXXX XXXX and the next representative was nice enough to tell me that I had been on hold because the fraud department was already closed when I was transferred at XXXXXXXX XXXX
I decided to wait a couple of weeks before I called back hoping that I would receive some sort of formal documentation or request from 5/3 Bank regarding the status of my account in the mail. At this point, the only thing I know is that the account is in fraud review, and apparently has been for a month when I called back in on the XXXX of XXXX.
I called the fraud department directly this time ( XX/XX/2022 XXXX XXXX XXXX ). I spoke with a representative named XXXX who put me on hold for about 15 minutes to " review '' my account. After he was finished reviewing the account, he came back on and asked me to once again verify the month, date and year my credit card was opened. Again, this is information that I could only hope to ascertain from online banking. I opened this account about 7-8 years ago, and surely they don't think I still have the original letter. Even if I had the original letter, the letter is going to have a post marked date, not the date an underwriter ( or AI ) actually reviewed and approved the account. Unfortunately, this is the only method I was given to prove my identity when I spoke with XXXX. XXXX advised that he ran this by a Senior Analyst, and this was the only option they could solution for. I pushed back on that response and asked if there were other methods like verification through mail, etc but XXXX then claimed that he couldn't pull up anything on my account since I wasn't able to verify the month, date, and year my card was opened. Of course that doesn't make any sense because XXXX took about 15 or so minutes to " review '' my account when I was initially transferred to him. XXXX then advised me that I could also go into a branch to resolve this issue, so I asked him to tell me where the nearest branch was. After realizing there was no branch for hundreds of miles, XXXX then went on to say that I can try to call a branch to verify myself and resolve this issue because " they may have a different process, '' which XXXX knew was not truthful. XXXX also refused to provide me his employee ID number.
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| 02/02/2021 |
Yes |
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- Trouble during payment process
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Web |
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Private flood insurance policy renewed with escrow payment from 5/3 bank to XXXX XXXX, XXXX XXXX XXXX for the XX/XX/XXXX to XX/XX/XXXX term. Insurance policy was in effect for all of XXXX - no lapse in coverage since 5/3 paid the insurance in full for the year of XXXX.
XX/XX/XXXX : Notice of Flood Insurance Requirement from 5/3 Bank sent to homeowner stating that our current flood insurance policy with XXXX XXXX, XXXX XXXX XXXX, does not meet the FHA guidelines for our home loan and we have 45 days to find new policy before it renews on XX/XX/XXXX. No other communication was sent prior to XX/XX/XXXX about non-compliant insurance policy.
XX/XX/XXXX : Private flood insurance policy with XXXX XXXX, XXXX XXXX XXXXXXXX, was paid from 5/3 escrow account even though we received a letter in the mail on XX/XX/XXXX stating this policy was non-compliant under FHA Guidelines.
XX/XX/XXXX : New NFIP policy with XXXX XXXX paperwork sent to 5/3 lender and paid in-full ( new NFIP policy was NOT paid with escrow ). Confirmation on 5/3 account that new policy meeting NFIP guidelines was received.
XX/XX/XXXX : New NFIP policy with XXXX XXXX active.
XX/XX/XXXX : Evidence of Insurance letter from 5/3 sent to us stating that a lender-forced flood insurance policy with XXXX XXXX XXXX XXXX XXXX XXXX was taken out for our home even though we had confirmation that our NFIP policy with XXXX XXXX was received on XX/XX/XXXX and effective on XX/XX/XXXX. The letter was back-dated showing that the policy with XXXX XXXX XXXX XXXX XXXX XXXX was active from XX/XX/XXXX - XX/XX/XXXX without out knowledge ( no prior notices received that there would be a lender-forced policy on our account for the year of XXXX ).
XX/XX/XXXX : Mortgage Annual Escrow Analysis from 5/3 sent to us stating our escrow was negative by - {$150.00}. Paid in full on the phone and received confirmation number. Account reflects that this was applied.
XX/XX/XXXX : {$1700.00} taken from escrow to pay for lender-forced flood insurance policy from XXXX XXXX XXXX XXXX XXXX XXXX, even though we had sent notification of new NFIP Policy with XXXX XXXX on XX/XX/XXXX that was paid in-full and not from escrow.
XX/XX/XXXX : Private insurance policy with XXXX XXXX, XXXX at XXXX cancelled for the XXXX term. Have yet to receive refund for this policy from insurance company.
Week of XX/XX/XXXX : Insurance representative with XXXX XXXX insurance, XXXX XXXX, called 5/3 and put me on the line. Spoke to a woman in Escrow Department at 5/3 who told me to ignore any future communications about the force-placed lender insurance policy from 5/3, that it was cancelled and wasn't even showing on her end as an active policy, and that the money would be returned to our escrow account.
XX/XX/XXXX : Mortgage Annual Escrow Analysis sent to us stating our escrow was negative by - {$1700.00}.
XX/XX/XXXX : Went into 5/3 branch and spoke with Personal Banker II who called mortgage department and escrow department. Spoke with 2 different women in insurance center, XXXX and XXXX, on the phone. XXXX stated that on my account, she could see where on XX/XX/XXXX a cancellation was started for the force-placed lender insurance policy and that there was no active policy on my account for XXXX XXXX XXXX & XXXX XXXX XXXX.
She also saw that on XX/XX/XXXX that a request for an escrow reanalysis was in process, and the escrow re-analysis was completed on XX/XX/XXXX. XXXX said a letter should be coming via mail soon stating that the force-placed lender insurance is cancelled and if the escrow payment for this policy, {$1700.00}, was not refunded before our mortgage payments increase to cover the negative escrow balance, that 5/3 escrow department will also refund the extra escrow payment received to cover the negative - {$1700.00} balance.
XX/XX/XXXX : Called Insurance Department at XXXX and spoke with an agent named XXXX. Then asked to speak to the supervisor, and was transferred to a man named XXXX. He said that the letter of evidence of insurance from 5/3 was back-dated to the first day of non-compliance for our flood insurance policy with XXXX XXXX, XXXX XXXX XXXX, which was XX/XX/XXXX to XX/XX/XXXX. I told him that before XX/XX/XXXX, we were NEVER made aware that our private flood insurance policy with XXXX XXXX, XXXX XXXX XXXX was non-compliant for basically the entire year. As soon as we received the non-compliance notice in XXXX, we immediately got a new NFIP policy on our home that was sent to 5/3 on XX/XX/XXXX and active XX/XX/XXXX. He said he would " send it to his higher ups to see if an exception can be made '' regarding the return of the payment for force-placed lender insurance, but there was no guarantee. He also couldn't tell me which department he was sending my information to, but that he would look into it but wouldn't know when I would receive communication about all of this again since it was getting sent off to his higher ups in a different department. I had told him what multiple 5/3 employees told me beforehand that the force-placed lender policy was cancelled and my money should be returned to escrow, and he apologized and told me " I am sorry they told you wrong. '' The call ended leaving me more frustrated, confused, and in disbelief that especially during a pandemic, 5/3 was gouging our escrow account for even more money for a policy they placed for our property we didn't even know existed and had failed to notify us of in the first place.
I am very confused why there is such a breakdown in communication and notifications on 5/3 Bank 's part to us, the borrower, about our insurance policies, and why multiple agents are telling me to disregard future notifications from 5/3 and that the {$1700.00} would be refunded to our escrow account.
That being said, If the original private insurance policy with XXXX XXXX, XXXX XXXX XXXX, was non-compliant on XX/XX/XXXX, why were we only made aware of this 11 months later in XX/XX/XXXX instead of right away so we could correct it, like we did, ahead of time to avoid force-placed lender insurance? We also never received any notice that 5/3 was going to force-place insurance on our property until a bill came in the mail with evidence of insurance on XX/XX/XXXX and the payment was taken out of escrow on XX/XX/XXXX for XX/XX/XXXX to XX/XX/XXXX.
I am going to go back to the same 5/3 branch today to read them this complaint and have a personal banker try to call again to see what is going on if they can receive more answers. I emailed my insurance agent, XXXX XXXX, who said that they received no notice on their end that our flood insurance policy was non-compliant last year for the XX/XX/XXXX to XX/XX/XXXX term. I am also waiting for XXXX to call me back to see if he has heard anything from his " higher ups. '' At this point, I am also going to write a formal notice of error to 5/3 Escrow and Insurance Departments and refinance my home with a new lender when this is settled. As a 10+ year customer of 5/3 bank, I am disappointed in the lack of communication to us - the borrower,, the breakdown of communication between departments, and the unethical practices that we were subjected to. The last I read it was unlawful to impose force-place lender insurance on a property without at least 2 formal, written notices to the borrow which we DID NOT receive before it was wrongfully effective for our property. We just want our money back and for this situation to be corrected : give us our money back in our escrow in the amount of {$1700.00} and cancel the force-placed lender insurance policy with XXXX XXXX XXXX XXXX XXXX XXXX and send us confirmation that this has been done.
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| 03/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I bought my home in XXXX of XXXX utilizing Fifth Third Bank as my lender with a conventional loan. The home appraised for {$260000.00} and I purchased it for {$240000.00} but still had to have PMI because I put less than 20 % down. I have invested approximately {$75000.00} in the property since buying it and property values have steadily rose over the last three years. My PMI disclosure signed at closing by all parties is very clear about the PMI removal process. The PMI will automatically drop on XX/XX/XXXX. To remove it earlier than that date I will need to pay the loan down or, after 24 months and a good payment record, I can request the PMI to be removed on " the date the principal balance actually reaches 80 % of the original value of the property ''. The bank agrees the only way of showing/verifying the value is by requesting a new appraisal. The banks policy is you request the appraisal through them and pay for it but the bank arranges the actual appraisal company who handles it. The letter however, states getting a new appraisal is not a guarantee that the PMI will be dropped and now states the value is at 75 %. On XX/XX/XXXX I phoned Fifth Third Bank to question two issues I had with the letter : 1. I wanted clarification on why, if i have shown through the appraisal and upgrades that the value was in my home, would the PMI not automatically drop per Federal Law?
2. Why are they saying my value of the property now needs to be 75 % when our contract clearly states 80 %.
I was advised that if I order a new appraisal then the value will be at 75 % if the new value of the home is used. I was advised that XXXX XXXX is an investor on my loan and they set the rules covering PMI even though its not a FHA loan. They went on to say that if my loan was sold and XXXX XXXX became and investor after closing that they could still implement rules. I challenged them on this and was met with confusing answers and could not site where they were getting their information from. I advised them we signed a contract and no matter how many times my loan was sold or what investors came on at what point, no one could change the terms of the loan and in my loan papers it is very clear what is needed to remove the PMI. I asked them if they even had my contract in front of them at which time they advised they did not. SO, I asked them if they are not looking at my contract and viewing the PMI disclosure page how can they even be intelligently talking to me about the rules governing my loan. I was placed on hold, they obtained my contract and at this point the person I was speaking to advised she was not sure why the letter I received said 75 %. During this time I also pointed out that apparently XXXX XXXX was an investor on my loan from its inception and if the investor dictates the terms of PMI, wouldn't it stand to reason that this WAS their terms. She believed at this point it was a mistake and put an order for the specific department to contact me within three days.
On XX/XX/XXXX I received a call from Fifth Third Bank from the PMI specialist department. This person literally tried to tell me the same information as I just listed above. I asked if they had my papers in front of them, which they did not. I asked them to direct me to the legal authority they siting that dictated the information he was providing me and he literally said " we don't have those papers here ''. He advised me that when the homeowner asked for a new appraisal the value needed automatically goes to 75 % of the new home value. I stated by that logic, if I DID NOT ask for a new appraisal and requested the PMI to be dropped based on upgrades I completed in the home, I asked how would the bank determine my value was at 80 %. He did not have an answer and agreed the only way would be to obtain a new appraisal. So I clarified the only way to obtain a usable new home value number is through an appraisal but he is telling me that when I ask for a new appraisal my value then goes from 80 % to 75 %. After going over this a few more times I asked to speak to a manager and was advised none were available. I was told he did not know when one would be available. I obtained his name and operator number and reminded him that the call was being recorded ( by them ) and then he gave me the name of the manager and put me through to his voicemail. I left a detailed message.
Later the same day ( XX/XX/XXXX ) I received a call from XXXX who advised she was the manager. XXXX proceeded to literally tell me the same exact information as above. She did not have my contract in front of her nor the papers or documents or authority that she was utilizing to advised the information she was telling me. XXXX, literally told me when my loan is sold and if there is an investor the terms covering my PMI can be changed. I advised her the letters I receive stating my loan was sold state the exact opposite of what she just told me. I stated those letter simply advise you who owns the loan and that Fifth Third Bank would still be servicing them and that the TERMS HAVE NOT AND CAN NOT BE CHANGED. All of this lead back to me advising XXXX the contract we signed ( Bank and myself ) is binding and can not be changed by anyone and that my contract states 80 % with no exceptions for ordering a new appraisal. At this point XXXX stated I signed a disclosure or waiver in my contract stating it could change. I advised him I did not sign anything remotely like that and have read my contract thoroughly multiple times. I further stated i did not believe it would be legal to have a document like that in closing papers unless it specifically addressed the terms of my PMI and I assured him I never would have signed a document like that and would have found another lender. I advised him I am sure because I made an informed decision about obtaining the PMI because I was either going to put approximately XXXX into upgrading the home or put it as part of my down payment to eliminate the PMI and lower my monthly mortgage cost. I thoroughly went over the rules governing PMI with my Fifth Third Bank loan officer and had a full understanding of how long it would take and what criteria would need to be met to remove the PMI.
At this point XXXX asked me to be placed on hold so he could locate the disclosure he was referring to. I was on hold for approximately 15 minutes and he came back on the line and stated he was having a hard time locating it and asked if he could call me back. XXXX, never called back.
I know its lengthy but I had to really break down the experience I am having with my attempts to remove my PMI. I have spared you the last year of craziness from when i initially started this process. The first letter I ever received was a denial to get a new appraisal because I have not reached 24 months on the loan yet but that letter stated when i did it would be at 80 %. The next request was made at the 25 month mark and it was then i was told i had to wait 5 years and it was 75 %. Long and extensive conversations with managers over that time went much like the ones described above with no one explaining where they are getting their information from and why they are not following our contract.
Lastly, I have spoken to my loan officer ( who works for Fifth Third Bank ) and the attorney who closed on my loan ( who represented Fifth Third Bank ) and they have both stated that Fifth Third Bank is wrong and there is no other document in my loan papers that addresses what XXXX was stating.
P.S. the difference between 75 % and 80 % is approximately {$20000.00} FL
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| 10/19/2021 |
Yes |
- Checking or savings account
- Savings account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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To whom it may concern, I have a problem with my bank. The bank is called Fifth Third Bank and they are located at XXXX XXXX, XXXX XXXX, XXXX, Illinois XXXX and phone # XXXX XXXX XXXX XXXX.
My problem started when I went to the bank around the day that I get paid from work which was on the week of XX/XX/XXXX. I asked the teller to transfer {$800.00} from my checking account to my savings account {$800.00}. I asked for the receipt of the transaction and she did not give me one and she wrote down the balance of my savings account balance which came at {$3000.00}.
Friday, XX/XX/2021, I received an email from my loan officer saying that they need bank statements of checking account and savings account. ( Im planning to buy a condo, but who knows now? ) I went to the bank on XX/XX/2021 requesting my bank statements that have been requested by the loan officer. I went to the teller who helped me the last time with the {$800.00} transaction and I requested copies of my bank statements from the saving and checking account ( she was surprised to see me and you could see it in her eyes ). When I asked her for the copies of my accounts she said that the printers are not working. She refer to a loan officer of the bank and I think her name was XXXX. I went to the XXXX office so she could print of my bank statements. I received the bank statements from XXXX and I noticed that my savings account did show the {$800.00} that was deposited into my savings account.
I told XXXX that {$800.00} is missing from my savings account and she asked for my SS # and she was able to look at my account profile. She told me that the I requested to transfer the {$800.00} to my credit card account. I told her it those not make sense because I do not have a credit card account with 53bank. She printed some paper and left office to talk to the teller. She went and talk to the teller and she confirmed that I requested to transfer from my checking account to my 53bank credit card of {$800.00}. I told her why would I do that I do not have a 53th bank credit card. XXXX, the loan officer said I would look into it. I then told her that I want to speak to your manager and she said the manager was not working today. She said it was just the teller and her. After that she gave the business card of XXXX XXXX and she wrote down her name in the business card as well.
As I was leaving the bank on Saturday, XX/XX/2021, I explained the situation of what was going on to my sister and another person that was coming out from the bank heard my conversation with my sister. He said that he also has been having issues of missing money into his account when he is depositing money with the same teller of my {$800.00} transaction missing with the same teller. He told me that he complained to the bank about his problem with the teller and he told 53th bank about it and nothing about it was done and nothing was done and that he lost his money as well XXXX did not get that persons name that explained his problem to me with the same teller, but we did exchange phone numbers and his phone number is XXXX XXXX. ( Makes you wonder how much money that teller has robbed from customers or from the elderly or maybe it was a simple mistake by the teller ).
I normally would not involved the FDIC but I just do not want to be ignored like the gentlemen that had the same problem with the same teller and we only got to exchange phone #.
I need my savings account to show that I had {$3000.00}. XXXX and on the same day I did asked to transfer {$90.00} from my savings account to my checking account. The balance on my account should be {$2900.00} and as of today the balance is {$2100.00}. I need to show the balance of {$3000.00} so I could do my closing on my condo on Thursday, XX/XX/XXXX XXXX addition, I normally would wait to put my money back into my account but on this situation I cant wait. It was not my error!
I normally would not involved the FDIC but I just do not want to be ignored like the gentlemen that had the same problem with the teller and we only got to exchange phone #. I am so mad and this happens when you trust people and give them the benefit.
Please help put my money into my savings account!!!!!!
XXXX The next email that i sent to the bank manager which was today : I noticed that my account now shows the balance of {$2100.00} and thanks whoever help in this matter.
I still have a problem and I was looking at my savings account statement and I agree with the withdrawals of that account. i am still missing money from my savings account and I made three deposits which show only two deposits in my savings account. Again, that same teller was the one that I have issues with my deposit that is missing for {$400.00} from my savings account. She explained to me that I could let her know verbally on the transaction. i did asked for receipt and she did not give me one because she said we did it verbally.
I have been with 53bank for some many years and I never had an issue with 53bank until this teller started helping me. Please check on how long I have been a customer at 53bank. She did something that I did not like and she enrolled me in a program if you get direct deposit you could now received your check on Thursday instead of Friday. I said to her, '' i did not want to enroll in that program '' and she did not listen to me and she still enrolled me that program. Please check on your side of your software when she enrolled me.
I wont add FDIC in this email and I would add them in the next email or forward this email.. Please put my {$400.00} into my account. I am asking of what is mine and I could have said I am missing {$700.00} or {$900.00}. I just want what is mine. I guessed the teller got confident when she removed {$400.00} the first time and thought I was not going to notice the {$400.00} from my savings account. I did not noticed that until the {$800.00} went missing. She had the XXXX to removed the {$800.00} from my savings account. Her thinking, fooled I got him already for {$400.00} now let me get him for {$800.00}.
The domino effect of XXXX the teller. : Checked on my records on Monday, XXXX I had to call the XXXX number of 53 bank to explained to them canceled my automatic withdraw payment that is schedule for XXXX XXXX I could not pay my car note this Friday to XXXX. Because when I talked to XXXX on Saturday, XX/XX/XXXX, she explained to me that it might take more than seven days to get back my {$800.00}. If would had known that the money was going to be replace right away on Monday. i would had not call XXXX about rescheduling my car note payment and now I got paid a late fee because of the XXXX teller and I had to call 53bank to cancel my automatic payment for this Friday. Which 53bank charged me to canceled the automatic payment for fee which I might not have enough money to cover the fee and thats what the person said to me when talking over the phone to the people of 53bank.
Please return my {$400.00} and the fee that I will get charge for requesting the cancelation of the automatic payment of XXXX.
I can not believe I have to go through this and explained myself to a bank that I never had a problem Until that XXXX teller kept removing my money. I never had a problem with the other tellers and they always gave me transaction receipts that i made with them.
Please return my money back of {$400.00} and what ever the fee will be to canceled the automatic payment that I did with 53bank.
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| 07/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with fraud alerts or security freezes
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Web |
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XX/XX/XXXX: I called fifth third bank customer service and inquired about obtaining a personal installment loan for {$8000.00}. I introduced myself and the male customer service person said that based on my credit worthiness that I was approved for the loan. He said all I needed to do was go to a local branch and sign the closing documents. Then I was transferred to a female customer service person to set up a time to go a sign the paper work. She contacted the bank and told me I could go to the XXXX location ( XXXX XXXX XXXX XXXX ) that same day at XXXX XXXX. Upon arrival at the branch I was greeted by XXXX the bank teller and I explained to her that I needed to sign some closing papers for a loan I acquired over the phone. When she pulled up my documents right away she noticed that the name on my ID did not match the name on the documents. She explained to me that the customer service person put my maiden name on the documents. I explained to her that I was not sure how this could have happened since they referred to me as Mrs. XXXX during the entire call. XXXX then went to talk with her manger XXXX to see how they could get the documents changed. At first, they stated I would need my marriage license and I told them I didnt have it on me. I do not carry a copy on me. I also explained that I would not be able to come back to sign the documents tomorrow as I was leaving for vacation the next day. So, XXXX communicates back and forth with the loan department for the next hour or so and was able to get them to resend the documents with my married name. In the meantime, XXXX helped me set up an account so the funds could be deposited into the account and the loan payments could be drawn from there as well. XXXX was able to get the documents sent over shortly before XXXX XXXX and I signed all the paperwork. Before leaving they, both told me that I would have access to the fund in the morning and if I had any questions please give them a call. XX/XX/XXXX : All morning I was checking to see if the funds had been deposited and they were not showing up in my account. I called XXXX around noon and left a voicemail stating that the funds had not been deposited in my account. She called me back around XXXX and stated that she had to resend paperwork but that the funds would be in the account in the next 2.5hrs. She explained that it would likely be after the bank closed. She said I could go to any branch on Monday and get my funds and she was aware that I did not have a debit card to access the funds any other way. She assured me that I would have no problem accessing my funds even though I was out of town. XX/XX/XXXX : At around XXXX XXXX I stopped at a fifth third branch just outside of XXXX Kentucky ( I believe it was the XXXX branch ) to withdraw funds from my account. After giving my deposit slip to the teller she informed me that she would need approval from her manager to complete this transaction. Her manager attempted to contact my home branch but was not able to get anyone on the phone. She informed me that I would not be able to withdraw any money since they were not able to get in contact with my home branch. So, I thanked the manger and left the branch. In the meantime, I called XXXX the manager at my home branch regarding the issue. She stated that she gave approval to the branch but they chose to deny it. She said that she would but a notation on my account that I could stop at any other branch on the way home that day and withdraw funds. The reason I could not come to my home branch was because I would not be back in XXXX after XXXX XXXX. Around XXXX XXXX I stopped at a branch near XXXX, Tennessee to withdraw my funds. I gave my withdraw slip to the teller and explained the situation. I explained that my home branch notated my account so that I could withdraw funds from a branch out of state. The teller stated that she would need to get approval from her manager to process this transaction. I waited for almost 2 hrs before I told them that I could no longer wait. I had my husband, children, and dogs waiting in the car and we still had 5 hrs left of travel. Then I left the bank. After I returned to the car I called XXXX at my home branch. I explained to her that the branch had denied my request to withdraw funds again despite having my account notated. I told XXXX that I would just come in to her branch in the morning and withdraw the funds. XXXX said that would be fine. XX/XX/XXXX : I arrived at the XXXX branch shortly after they opened to withdraw the funds. The teller explained to me that she would have to get approval from her XXXX before completing the transaction. While I waited, I asked the teller if XXXX was available to explain why I had to go through so much trouble. The teller said XXXX would not be at the bank until later in the afternoon. While I was waiting, I was approached by XXXX the manger on duty. She told me that there was a block on my account and I would need to provide a marriage certificate to obtain the funds. I explained to XXXX that I spoke with XXXX three times on the previous day about this issue and at no point did she mention bringing in additional proof of identity. XXXX insisted that I bring my marriage license to the branch. I called my husband and had him bring it to me at the branch. After that XXXX said I would need my social security card, pay stub and XXXX. So, my husband went home again to obtain my social security card while I pulled up the other documents online. After I gave XXXX the documents she sent them off to the fraud department. By this time is was almost 2 hrs later and I still did not get my funds. While waiting, I began to make calls to customer service trying to get more information. In the process, XXXX told me the reason why my account was flagged is because someone in Illinois tried to use my social to obtain credit. I asked her to provide me info about this occurrence and she stated I would need to talk to the fraud department. Up until this point there was no mention of fraud on my account. While waiting in the bank I get a call from my job and the stated someone from fifth third bank called and I needed to call them back ASAP. So, by this time I had to leave the bank because I still had to get dressed for work. XXXX said that the funds would possibly be available later that day. So, I added my husband to the account so he could come back and obtain the funds while I was working. At that point I left the bank because I was already late for work. Later that day I spoke with XXXX from the fraud department and she explained the alert on my account. I asked her to provide me with more detail regarding the person who may have used my social and she stated she didnt have enough information to get a case for prosecution. She ended the conversation by saying if any of the funds are used by my husband there would be a fraud case opened yet again. After getting off the phone with XXXX I called XXXX back and let her know I would come in personally to get the funds in the morning. I did not want a further case of fraud on my account. XX/XX/XXXX: I arrived around XXXX XXXX and walked over to XXXX. I gave her my withdraw slip and asked that she take care of my transaction. I told her I was not willing to wait since I have been through so much hassle up to this point. I left the bank to run and errand and arrived back at XXXX XXXX. When I arrived, I proceeded to the counter to collect my money and left the bank.
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| 08/25/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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***This was a dispute letter I filed with my Fifth Third Bank in regards to my account being drained of {$2000.00}. I supporting documentation, as mention below. Fifth Third denied my dispute stating the transfer was valid despite approximately 40 pages of evidence I submitted that was ultimately dismissed with prejudice. I have edited out all identifying information such as name, account number, address, Social Security number, etc** On XX/XX/XXXX at approximately XXXX, I received a text message on my cell phone from XXXX XXXX thanking me for changing my password. Shortly thereafter I received 700+ text messages within a span of 30 minutes which locked up my phone. Fearing that every account I have was now compromised I began changing passwords as quickly as I could to limit the damage. Within the 700+ text messages I found the unknown party was going for my 2-factor authentication codes, allowing them access to not only financial sites but also sensitive information on XXXX and XXXX accounts. I was able to lock down the most important accounts within 20 minutes of the breach. I confirmed with my wife REDACTED that she was not on the XXXX XXXX website prior to changing all passwords.
On XX/XX/XXXX I discovered a {$2000.00} withdraw pending from my Fifth Third Checking Account REDACTED to a payee listed as XXXX XXXX XXXX bearing account number REDACTED. The XXXX XXXX XXXX account was added as a PAYEE ; a service we have never used before to pay bills or transfer funds. Neither my wife nor any of my extended family bank with XXXX XXXX XXXX. We immediately went to our local Fifth Third Branch in REDACTED and opened new accounts and put holds on the old. We were advised by Personal Banker REDACTEDr to dispute the {$2000.00} payment once it cleared. During this time frame I attempted to contact XXXX XXXX XXXX both by phone and social media, but they declined to speak with me as I was not an account holder with them after providing my name and State of residence along with the account number.
On XX/XX/2019 I disputed the now-cleared withdraw with Fifth Third Bank customer service under case # REDACTED and were advised it would be investigated with an Investigator being in contact if more information was needed. In the mean time the identity thief opened up an XXXX XXXX checking account along with a XXXX credit card under my name. I began freezing our credit through the Big Three to prevent further accounts being opened fraudulently.
On XX/XX/2019, REDACTED called Fifth Third Bank to release the hold temporarily so that we could withdraw our direct deposit funds to pay bills. XXXX was advised by customer service that there was no update on the dispute case. The funds were placed in our new checking account and REDACTED contacted Fifth Third Bank once again on XX/XX/2019 to reinstitute the security hold.
On XX/XX/2019 I received a letter dated XX/XX/XXXX from Fifth Third stating the {$2000.00} payment was determined to be valid and that the dispute was closed in the banks favor. A customer service representative at Fifth Third Bank advised my wife and I that the Investigator made contact with XXXX XXXX XXXX and reported the account to which {$2000.00} was paid was under my name, REDACTED.
On the evening of XX/XX/2019, I was on the phone with XXXX XXXX XXXX fraud line pleading my case that account REDACTED had no connection to me, other than having {$2000.00} of my money from Fifth Third Account ending in REDACTED. I spoke with REDACTED out of the XXXX, Maryland XXXX Fraud Department for approximately one hour. REDACTED was able to find the account and located the {$2000.00} payment that was credited on or about XX/XX/XXXX. REDACTED asked if I lived in Missouri to which I answered no, I reside in REDACTED. I gave REDACTED my name, date of birth, and cell phone number to compare against the XXXX XXXX XXXX account in question. Although he could not legally tell me the account holders name or phone number, REDACTED stated my name, SSN, phone number, address, and date of birth were in no way attached to the XXXX XXXX XXXX account ending in REDACTED. REDACTED advised I needed to file a dispute with Fifth Third Bank. I advised REDACTED that I had already filed a dispute with Fifth Third and that it was found to not be fraud according to their investigator. Perplexed, REDACTED continued to look into the account and found no notes on the XXXX XXXX XXXX account in which a Fifth Third Investigator had reached out in regards to fraud.
I wish to dispute the ruling of case REDACTED due to the following : 1 ) On XX/XX/2019 I was a victim of a security breach on my personal and financial accounts including, but not limited to : Fifth Third Bank, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. The only known financial lost I have suffered thus far is {$2000.00} withdrawn to make a payment against XXXX XXXX XXXX account REDACTED.
2 ) I did not authorize any payment to any XXXX XXXX XXXX account, including but not limited to account REDACTED 3 ) Fifth Third Bank advised the dispute from XX/XX/XXXX was found to be invalid and closed due to XXXX XXXX XXXX advising the account was under the name of REDACTED.
4 ) Upon contacting XXXX XXXX XXXX independently on XX/XX/2019, I was advised account REDACTED listed owner did not match my name, date of birth, SSN, address, state of residence, phone number, or email. REDACTED of XXXX XXXX XXXX Fraud Department advised there were no notes under the account in which any investigator made contact to confirm ownership of the XXXX account ending in REDACTED. REDACTED completed his report while I was on the phone with him and advised it was being sent up to his superiors but that I needed to reach out to Fifth Third Bank.
5 ) At this point I am being told by one large organization to file a dispute with a second large organization that dismissed my claim with no valid reason given. Attached to this dispute appeal is all paperwork I have gathered in regards to this breach, including but not limited to credits report showing I do not have nor have ever had a XXXX XXXX XXXX account, credit or otherwise.
As a two-decade account holder with Fifth Third Bank, I perceive I am being given the cold shoulder with no explanation of why because I am not a multi-million dollar organization or account holder. I have had no problems with Fifth Third Bank in the past 20 years and have entrusted them with my lively hood. As a person wiser than myself once said, The Bank of Trust can only accept deposits ; there are no withdraws.
As a XXXX XXXX that has served for over 13 years in both REDACTED, I take my oath of Integrity very seriously. To be told an investigation took place and later independently discover the findings are based on falsehoods is, in lesser words, disturbing. Being on this side of the witness statement and trying to prove a negative is a lesson in humility that I do not wish upon anyone. The probable cause that I have submitted of fraud has been dismissed with prejudice and now my family will suffer due to someone elses transgressions. Despite what I have discovered on the evening of XX/XX/2019, I will withhold judgment and await an appropriate response to the above listed claims. Thank you for your review of this matter.
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| 08/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Fifth Third Bank has either lost or misapplied a mortgage payment we made, they are misreporting our mortgage account status, and are attempting to collect additional fees incurred by errors made on their end.
We have done everything possible to get clarification and resolution to this matter directly with the company, but they are vague and evasive in their responses, and maintain that we missed a payment, despite having proven otherwise to them. During this entire ordeal, we have encountered numerous contradictions and inaccuracies in our dealings with their representatives, both verbally and in writing.
This began when we received a letter from Fifth Third dated XX/XX/XXXX ( attached ) stating that we were past due and they were seeking payment, assessing late charges, and threatening the loss of our home.
This was impossible since we had just been discharged from a Chapter XXXX Bankruptcy and had received a Response to Notice of Final Cure Payment executed on XX/XX/XXXX ( see attached ) by Fifth Thirds attorneys ( XXXX, XXXX XXXX XXXX, XXXX ) stating : - Creditor agrees that the debtors have paid in full the amount required to cure the prepetition default on the creditors claim.
- Creditor states that the debtors are current with all postpetition payments consistent with 1322 ( b ) ( 5 ) of the Bankruptcy Code, including all fees, charges, expenses, and costs.
Since their response indicated we were current and had not missed a payment during the bankruptcy, and we knew we had certainly not missed a payment between XX/XX/XXXX and XX/XX/XXXX, we thought this would be fairly easy to resolve. It was not, and continues not to be the case years later, despite our best efforts, which is why we seek the assistance of the Consumer Financial Protection Bureau.
For over a year from that point, between XX/XX/XXXX and XX/XX/XXXX, we spoke with various Fifth Third representatives trying to determine why and when they were claiming we missed a payment, and were never given a concrete answer. Throughout this period, their representatives contradicted each other as to when they thought the payment was missed, if they could even give me an answer at all. Many could not see when or where a payment was missed. ( See attached call log and notes. ) They never gave me a definitive answer during this time, nor were they able or willing to firmly assert when the missed payment occurred in writing. They basically just said you missed a payment and we cant see when or where that occurred, our system shows that, so it must be true. This is despite having proof of all payments made to, and cashed by, Fifth Third Bank. ( These bank statements can and will be supplied upon request, but it is a very large attachment in and of itself, so I am not attaching them unless specifically requested by CFPB. The bank has been sent this information already. ) I am also including three consecutive monthly statements from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached ) showing gross inaccuracies from month to month as to how much we owe, despite a regular monthly payment being made each of these months : - In XX/XX/XXXX they showed a past amount due as {$3600.00}.
- In XX/XX/XXXX they showed a past amount due as {$28000.00}.
- And in XX/XX/XXXX they showed a past amount due as {$2800.00}.
There is no rhyme or reason to these, and this is just one sampling of three months of consecutive statements to show that their accounting is not accurate or trustable, and is evidence that it is highly likely they misapplied or lost the payment they allege was missed, or their accounting and records are inaccurate.
Due to the fact that between XXXX of XXXX and XXXX of XXXX, nobody could pinpoint when or where a payment went missing, nor would they put it in writing, we insisted on Fifth Thirds Office of the President reviewing the matter. It took from XX/XX/XXXX to XX/XX/XXXX for the Office of the President to review and finally determine when the payment was missed and put it definitively in writing. ( See attached correspondence ) To summarize their findings, they claim that we sent in a payment that was {$12.00} short each month for an entire year from XX/XX/XXXX to XX/XX/XXXX. This caused them to put the initial short payment of {$2700.00} into a suspense account and draw {$12.00} from it each month to satisfy the next months payment.
It took over a year for anyone in their organization to figure this out, and was attributed to a monthly payment shortage of {$12.00} from an increase in escrow which we were never notified of at that time. ( They claim they sent it, but have not provided proof of it being sent or received. Furthermore, their representative XXXX XXXX asserted that the change in escrow amount was sent to us at our home address. This was false because all correspondence during our Chapter XXXX was sent to our attorneys, not to our home address. Our attorney representing us during the Chapter XXXX reviewed the file and did not find record of it either. ) Regardless, despite the fact that their Response to Notice to Final Cure Payment precludes them from being able to go after it, we offered to pay the grand total of {$150.00} deficit so that they could apply it to the money presumably remaining in the suspense account and bring the account current, to simply resolve the issue. ( See attached correspondence dated XX/XX/XXXX ). They responded saying that would not suffice, because we had missed an entire payment. ( See attached correspondence dated XX/XX/XXXX. ) This is untrue and backed by bank statements we sent to Fifth Third. We made a payment every month. They may have been short {$12.00} during that time period, but an entire payment was never missed. And the payment they put in a suspense account can not be accounted for by them. It was never returned to us, and there should have been {$2600.00} sitting in a suspense account ... ( {$2700.00} was our monthly payment at the time, minus the total shortage of {$150.00} ).
To this day, they cant account for that {$2600.00}. All they do is send an entirely indecipherable history of payments that took them over a year to assess, and tell us to find where that money went or was applied, all while maintaining we missed an entire payment, tacking on late fees, and harming our credit standing.
Furthermore, and simply put, considering they claim the missing payment occurred between XXXX and XXXX, when we were in the middle of the XXXX XXXX Bankruptcy, they have no right to claim or go after the alleged missing payment. It is in violation of the bankruptcy code, and they signed off on the attached Response to Notice of Final Cure Payment as stated above.
At this time we want our account brought current, and to dismiss all fees and penalties they are trying to apply, as we have not missed a payment since the Chapter XXXX Bankruptcy was approved by the court in XXXX. Furthermore, we want all applicable credit agencies to be notified that we have made payments to them without a missed payment since the beginning of the Chapter XXXX Bankruptcy was approved in XX/XX/XXXX.
Thank you for your time and consideration, and we look forward to your response. Please let me know if you need any other information or supporting documentation.
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| 01/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American, Servicemember |
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XXXX XXXX XXXX XXXX XXXX .
XXXX XXXX, FL XXXX XXXX home office XXXX cell XXXX This is the letter I sent earlier in the week to the Office of the President at the fax listed on the letter. I think this is the easiest way, I can in fewer words convey the difficulties I'm having. Yesterday was the final blow when they sent me the third mortgage escrow analysis in the last few months, this one showing I have an overage of {$14000.00}. These are the last people who need to be handling our mortgages. They're cooking these books. Their junk fees they're always adding, if accrued would give them enough arrears to push most people over the edge into foreclose, if they don't realize unless called for in their mortgage, can not legally be added. Please correct me if I'm wrong.
Here 's what I sent : XX/XX/XXXX Office of the President 5/3 Bank Fax # XXXX RE : QWR - Regarding Mortgage Loan Account # XXXX Dear Sir/Madame : I originally wrote this letter to you on XX/XX/XXXX but after receiving a call from XXXX, with Fifth Third, advising she had been assigned as my exclusive contact, along with a direct telephone point of contact, I was hopeful it would be unnecessary. After repeated assurances Fifth Third was working diligently and expecting a resolution soon, I didnt send it at that time. Ive changed the date to todays date and am now sending this letter to you, as this is past the critical stage and heading to catastrophe and my repeated messages to XXXX on my direct line have gone unanswered. If I can not get resolution to this matter by Wednesday, XXXX XX/XX/XXXX, it is my intention to engage the assistance of a group of lawyers, which I can assure you will cause far more expense and difficulty, if that is possible.
Your bank has made a serious error regarding the above account and my efforts using your standard methods have not been successful, so Im reaching out to you today in hopes you can help get this issue resolved.
Unfortunately, Ive very ill right now and am unable to provide exact dates of everything as theyve occurred, as Ive been unable to return to my office where my records are kept. Hopefully, with the estimations Ill provide, youll be able to determine where things went wrong.
I live in XXXX Florida and was a victim of Hurricane Irma. I received forbearance assistance, for which I was very grateful, while I fought and continue to fight my insurance company to get my home returned to its pre-storm condition. I recently participated in the modification trial period and my mortgage was modified in XXXX, XXXX.
So far, Ive received two checks which were made out to myself and 5/3 which I promptly deposited into what I was told was an escrow account for insurance proceeds, to be paid out when work to my home was complete. The first check was deposited and according to your protocol, I called for an inspection. No inspector ever came but I did finally receive the check for my roofer and he was paid. The second check, which was deposited somewhere around XX/XX/XXXX was in the amount of {$8400.00} and cleared your bank XX/XX/XXXX. Around XXXX, XXXX I submitted paperwork for my fence contractor to be paid. When I heard nothing back, I called and was told it was never received but a bit later in the conversation, alas they found the request. I was told it would be processed and Id have the funds in 7-10 business days. Im still in the throws of remediating mold in my home, so it may have been 3 weeks before I called again as there was still no check. At this point Im getting threatening letters from my fence XXXX who has completed his work sometime ago and if not paid very soon, will be turning me into a collection agency. Having just completed 5 years payout on a Chapter XXXX bankruptcy I was forced to file after my husband died, this is now of grave concern to me as Ive worked very hard to get my credit back in good standing. I called and again I was told there had been a delay but was once again reassured Id receive the funds in 7-10 days. Still no check, phone call or letter of explanation ever arrived. I called again on XXXX XXXX and was told there was an issue with my account, i.e. I only had {$34.00} in my insurance escrow account. Now its getting very serious!
Somewhere within that time frame of phone calls and after my modification, I was notified the annual escrow analysis had revealed an overage in my account and Id be receiving a check of around $ XXXX. It didnt occur to me those were actually insurance funds because they were such different numbers. Only after reviewing my last mortgage statement where I saw my taxes and insurance had been paid, did I begin to put it together.
Now Im being told regarding my modification they are redoing the numbers, unfortunately, I believe its being done with insurance claim funds that are meant to restore my home and desperately needed in order to keep from further damaging my credit. I wish I were more confident Id receive some immediate help but having sent several QWRs in the past which never received a response, I cant help but worry this too will be another disregarded and ignored request. I dont have the dates of those QWRs at this moment but can provide those once I can get back to my office.
In addition, Im constantly having to call for removal of what I call drive by fees, I believe your term is inspection fee for {$12.00}. When I spoke to the bank yesterday, having seen more on my statement, I asked they be reviewed. Ive been told by legal council if those fees were not spelled out in my mortgage documents, they can not be collected. Your Fifth Third representative advised those were legal fees if one was in arrears ; however, Id just been reassured my account wasnt showing arrears or not in good standing, simply showing it was being modified and the forbearance was not being reported to the credit agencies and all was well. My mortgage documents do not permit these fees and theyve always been removed before ; however, it is quite troubling they continue to be added and I must be vigilant or theyll continue to be added to my account, which is in my mind, a type of fraud. I would also appreciate if you would instruct those fees never be added to my loan again and any I may have missed, also be refunded.
After many hours on the phone with different departments, I fear this has become such a convoluted mess, involving so many different departments and personnel, it will take someone in extreme upper management to get this issue resolved, hence this letter to you.
Time is of the essence and this has the potential to be a serious legal problem. Because Ive received such a run around, I felt it necessary to contact the CFPB. I plan to file a formal complaint this afternoon.
This is absolutely unacceptable and these issues must be addressed immediately, the inspection fees removed, corrections made and checks provided to myself for the {$2300.00} which was the down payment on the fence and to the remainder to the contractor, XXXX XXXX, who has completed his work.
Please help me resolve this issue which left undone could have catastrophic results for both 5/3 and myself.
Regards, XXXX XXXX XXXX XXXX home/office XXXX cell
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| 06/09/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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|
Web |
Older American, Servicemember |
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XXXX Please see the letter I sent the bank CEO below for a description of the problem. The bank has been extremely reckless in giving my money away. It is obvious that the check has been altered. The hand writing is different on parts of the check. It the bank would have used a check scanner they would have discovered the check had been altered. They have lied to me over the months regarding the process to get my money returned to me. I feel they have abused me greatly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX President & CEO Fifth Third Bancorp XXXX, OH XXXX Ohio Sec. of State, Entity # XXXX XX/XX/XXXX Agent Registrant : Corporation Service Co. XXXX Incorporator : XXXX XXXX XXXX Cell : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : {$5500.00} Loss from my Fifth Third Checking Account Dear XXXX XXXX XXXX XXXX, I am writing to you in hopes that you will restore my {$5500.00} into my checking account.
The history of this case is as follows : I have been a Fifth Third Customer for a very long time.
I have a good friend XXXX XXXX XXXX who is a XXXX XXXX in XXXX. Her XXXX work had been presented by XXXX XXXX years ago on XXXX.
I am also happy to report that I had nominated her for the XXXX XXXX XXXX XXXX. The XXXX had informed me that they rarely award this XXXX because no one can qualify for it. But I am happy to say she did receive it.
Her birthday Is the day before XXXX. I always send her a check for her birthday and one for XXXX.
On XX/XX/XXXX I wrote a check for {$100.00}, check # XXXX. And on XX/XX/XXXX I wrote a check for {$100.00}, check # XXXX. See enclose copy of those from my check book record.
I mailed the Birthday and XXXX Cards with the checks in a larger envelope onXX/XX/XXXX, see my enclosed post office receipt.
Unfortunately, I had been ill over the holidays and had been in the hospital several times. When I had improved, I began going through all my mail.
When I went over my Fifth Third Bank Account Summary for XX/XX/XXXX-XX/XX/XXXX, I was extremely shocked to see that check # XXXX had been paid by the bank on XX/XX/XXXX, for {$5500.00}. See attached Account Summary. I knew I had not made out such amount on a check. When I looked at the small check image the bank sends me, I noticed that the check had been altered. See large copy the XXXX XXXX Branch gave me on XX/XX/XXXX enclosed. On the check, they inserted a XXXX in front of the XXXX to make it XXXX They removed XXXX XXXX and inserted XXXX XXXX XXXX. They removed the {$100.00} amount and inserted {$5500.00}. Where I had written out XXXX XXXX XXXX and no cents they removed that and inserted XXXX XXXX XXXX XXXX -- -. In the for section, they inserted Shipping charges. They left my signature as is.
XXXX XXXX XXXX never received the cards or checks I had sent her.
I am a XXXX XXXX XXXX XXXX. Looking at this check would certainly raise a red flag in my mind esp. the {$5500.00} for Shipping charges. If I was an employee of the bank, I would not have approved this check. I would have notified my supervisor and requested that the XXXX be called to verify if he did indeed write such check.
I have had XXXX with XXXX XXXX XXXX forever. They are always calling me about what they believe is suspicious activity. I am currently on 2 weeks of XXXX Vacation in XXXX, PA visiting family and friends, and they called me to see if I was in XXXX using my credit card. Now here is a company that does not want its clients being ripped off.
I met with XXXX XXXX XXXX XXXX, Fifth Third Personal Banker at XXXX XXXX XXXX, MD XXXX, XXXX, OH XXXX on XX/XX/XXXX and informed him of what had taken place, and he informed me it would be investigated, and I could expect to get my money back.
Sometime later, I received a call from XXXX XXXX who informed me she was from the XXXX XXXX XXXX. in XXXX and had a very difficult time tracking me down. She informed me that the check looked suspicious and did not want to cash it until she spoke with me. I immediately told her the check was a fraud and not to cash it. She gave me her e-mail address and her phone number, and informed me to notify my bank so that the funds could be transferred from her bank to my bank, and ultimately back to me. I called XXXX XXXX XXXX XXXX and informed him of what had taken place.
On Mon. XX/XX/XXXX, I sent XXXX an e-mail inquiry and received an Automatic Reply, see attached.
See the attached e-mail that had been sent to me on Tue. XX/XX/XXXX from JXXXX XXXX.
See the attached e-mail datedXX/XX/XXXX That XXXX XXXX sent XXXX XXXX, which also includes and e-mail at the bottom from XXXX to me.
I was in contact with XXXX again this week, and he encouraged me to wait another 10 days and everything should be cleared up by then.
I was with my cousin last night and his wife, and I informed him of all of this. They were quite shocked. My cousin is in a multistate business and he informed me that he works with several banks and knows a great deal about banking procedure. He informed me that due to the magnitude of this problem I should not be working on this situation with a branch office, and that I should not wait any longer and should contact the corporate office of this situation immediately. Since I was concerned about his concern, regarding the time length with nothing accomplished, I called XXXX my XXXX XXXX XXXX XXXX buddy, and XXXX also encouraged me to contact your office which I am now doing in hopes of getting this problem resolved.
I hope I have not put XXXX in an awkward position ; he may have already contacted corporate about this situation.
I would like to see my money replaced in my checking account with hopefully interest added.
If for investigative purposes, it is better for me to wait, then I will do that because I would like to see the criminals brought to justice. XXXX XXXX XXXX your investigation and help in this matter is very deeply appreciated.
Very sincerely yours, __________________________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
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I received a phone call from XXXX ( XXXX ) XXXX at around XXXX eastern time on FridayXX/XX/XXXX. They left a voicemail, which I have retained. It appears to be a process service company, but when calling the number back I get either a voicemail for " XXXX XXXX with the Process Service Dispatch Unit '' or I get a live person by the name of " XXXX XXXX '' who has a similar voice. I have not been able to ascertain what the company 's actual name is. They left details in the voicemail stating that a process service attempt would occur between XXXX and XXXX on Monday XX/XX/XXXX at my residence and they gave the address of that residence in the voicemail. They also contacted my father and a family friend and left the same voicemail.
They also stated the phone number of the firm that was filing the action against me. This was given as XXXX and I was given a case number to reference. The voicemail stated that I or my attorney should call the given number as soon as possible. I called this number at around XXXX eastern time. It was answered as " legal department '' and after giving my case number I was transferred to someone named " XXXX XXXX ''. This person said I had a debt of {$1400.00} dating from XX/XX/XXXX in the form of a bank account with 5/3rd Bank that was closed due to being overdrawn. My last dealings with 5/3rd Bank were back in XX/XX/XXXX. XXXX said that I was going to be served with a summons, and that failure to appear would result in a summary judgement against me for the full amount plus court fees and the costs of representation. She stated that a lien could be placed on my property, my wages could be garnished, and that they could file a derogatory action against my credit report. At this point she offered an out of court settlement amount of {$960.00} that could be taken care of at any time up to and including close of business that day, which she gave as XXXX Pacific time, and she said " after that there is nothing I can do to help you out ''. I asked for the firm information, and was told that she works for a law firm with the name of XXXX and XXXX, and that the address is XXXX XXXX XXXX, XXXX XXXX CA. XXXX. I had not received any written request for this debt prior to this, so I was not comfortable making payment without so kind of assurance that this was valid. I asked what my recourse was if I wished to dispute this and XXXX indicated that I would have to receive the summons and then essentially plead my case before the judge, but that I could still get back in touch with her before the close of business that day. I got off the line, made notes about the phone call, and went through my records.
I have nothing on my end to indicate that this is a valid claim. I attempted twice that day to get back in touch with XXXX at the previous number, but had to leave a voice message both times. I said in my second message that I would be at my residence during the time frame indicated to receive the service of any summons. On Monday I tried to call the process server who initially called me to verify that they were coming by, but was told by them to contact XXXX and XXXX for any questions I had. So I called XXXX and XXXX again and left another message. I got a call back from XXXX from XXXX XXXX again. I asked her if she was still sending the process server and she said I would have to check with the process service company. I asked for written verification of this debt because I believe it is required by law, but she indicated that we were " past that because it has been sent over to the process server and you are going to be taken to court ''. I stated that I still do not believe the claim is valid and that I would still like a copy of the verification of the debt for my records. She offered to send it to me by mail and email. I also indicated that I felt this would be thrown out as an invalid debt because of both its age and because I have not received any verification of this debt prior to this action being taken. She at that point became quite confrontational, telling me " If I've got it all figured out I can tell the judge how to do his job and he'll just dismiss it ''. I was taken a bit aback and again mentioned that I do not feel this is being handled in accordance with standard debt collection practices, at which point she said " This is not a debt collection company sir, this is a law firm ''. I am a bit confused how a firm who is " not a debt collection company '' would be willing to offer to collect a settlement amount from me in the first place. She ended the call before I could give her my email address, which is one of the few things they didn't say they knew about me.
I did a bit of digging and I can not find a XXXX and XXXX law firm in XXXX XXXX through any web search. I also tried digging into the California and Florida Department of State websites looking for law firms with that name. The address given is a large office building with many law offices that I could find, but I was not given a suite number by XXXX XXXX when we spoke. I also tried to search my own name in both my county and other jurisdictions to see if there are any pending court cases that have been filed, and could find none as of this writing.
I waited at my residence the full day, 7 feet from the front door, and no process server came during the entire XXXX to XXXX window they mentioned. I have tried to call back both the number I originally received the process service notification phone call from and XXXX at XXXX and XXXX, but I have not received any response and we are now an hour outside the window they mentioned. I have lost a work day due to this threat of litigation. Either the threat was empty and therefore not in keeping with the law, or they are attempting to circumvent actual service and get me trapped with a summary judgement when I don't appear to a court date that I was never made aware of.
I am strongly considering getting a lawyer to assist with this, but seeing as I can not find any information on these firms, I am starting to believe they are completely fictitious names and I won't be able to hold them accountable. What's most worrisome is that these people had detailed information about me. They read back my current and previous addresses, my social security number, my drivers license and date of birth all without me giving them any of that information. They know more about me that I may ever know about them and that is unsettling.
If this debt is legitimate, I would be more than willing to deal with it. However, I have not been supplied with anything that indicates to me that it is valid before being faced with a phone conversation that essentially says " pay now or we'll see you in court, and by the way you have just a few hours to decide which way it's going to go ''. It is even more stressfull because even if I was inclined to pay after my initial conversation with her, I was unable to get back in touch despite multiple calls and two voicemails. The deadline passed and I have no further recourse. I still have not received any summons, nor have I received any written verification of this supposed debt.
|
| 12/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
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I XXXX XXXX XXXX the natural living person federal protected consumer pursuant to Fair Credit Reporting Act ( FCRA ) 15 USC 1692a ( 3 ). Fifth Third Bank has violated my consumer rights pursuant to Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Shown in Exhibit A. Fifth Third Bank has violated my consumer rights pursuant to Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Fifth Third Bank has violated my consumer rights pursuant to Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
Fifth Third Bank has violated my consumer rights pursuant to Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Fifth Third Bank has violated my consumer rights pursuant to Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692k Civil liability, each violation listed above results in {$1000.00} each totaling {$20000.00} which includes personal and emotional damages. Fifth Third Bank also contacted XXXX XXXX XXXX XXXX XXXX XXXX which is a violation of my consumer rights and they trespassed on my property to take illegal process of my XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX doesn't have a surety bond to collect debt in the state of Texas Pursuant to XXXX XXXX XXXX TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION SUBCHAPTER A. GENERAL PROVISIONS : ( 7 ) " Third-party debt collector '' means a debt collector, as defined by 15 U.S.C. Section 1692a ( 6 ), but does not include an attorney collecting a debt as an attorney on behalf of and in the name of a client unless the attorney has non attorney employees who : ( A ) are regularly engaged to solicit debts for collection ; or ( B ) regularly make contact with debtors for the purpose of collection or adjustment of debts. XXXX XXXX XXXX XXXX XXXX. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER XXXX. DEBT COLLECTION SUBCHAPTER XXXX XXXX XXXX : Sec. XXXX. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( XXXX ) any person who is damaged by a violation of this chapter; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. SUBCHAPTER D. PROHIBITED DEBT COLLECTION METHODS Sec. 392.301. THREATS OR COERCION. ( a ) In debt collection, a debt collector may not use threats, coercion, or attempts to coerce that employ any of the following practices : ( 7 ) threatening that nonpayment of a consumer debt will result in the seizure, repossession, or sale of the person 's property without proper court proceedings. Sec. 392.302. HARASSMENT ; ABUSE. In debt collection, a debt collector may not oppress, harass, or abuse a person by ( 1 ) using profane or obscene language or language intended to abuse unreasonably the hearer or reader. My family member have seen this letter that was sent to be and has damages our relationship and caused XXXX and XXXX. Pursuant to Tex Fin Code 392.001 ( 5 ) " Debt collection '' means an action, conduct, or practice in collecting, or in soliciting for collection, consumer debts that are due or alleged to be due a creditor. ( 6 ) " Debt collector '' means a person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. These definition defines Fifth Third Bank as a debt collector. Pursuant to Tex Fin Code Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 2 ) actual damages sustained as a result of a violation of this chapter. Sec. 392.404. REMEDIES UNDER OTHER LAW. ( a ) A violation of this chapter is a deceptive trade practice under Subchapter E, Chapter 17, Business & Commerce Code, and is actionable under that subchapter.
( b ) This chapter does not affect or alter a remedy at law or in equity otherwise available to a debtor, creditor, governmental entity, or other legal entity.
|
| 05/15/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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|
Web |
Older American |
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This complaint applies to both a primary mortgage and a home equity line of credit.
1st Mortgage loan # XXXX AND 2nd mortgage/XXXXXXXX XXXX XXXX XXXX Our hardship application goes back to XXXX XXXX XXXX and almost 10 months later, we still do not have a solution from Fifth Third. This is really puzzling and ironically has made our hardships much worse... Let 's think about this, it has been almost 10 months since we started the hardship application and our credit history has gotten much worse, interest rates are significantly higher, the real estate market is worse and the cost of homes has increased. Our hardship status is much worse now and we have fewer opportunities to purchase another home because the market is much worse.
On XX/XX/XXXX I sent an email to Fifth Third pleading... Can someone at Fifth Third please give us a status update on flex loan XXXX XXXX workout? In that email I explained to Fifth Third that our hardship is now much worse for the reasons noted in the 1st paragraph above... so here we are on XX/XX/XXXX, and no one still has replied to that email!
During the month of XX/XX/XXXX, we not gotten bad advice by being told by 53 : a ) I, XXXX, would have to wait 1 year before I can refinance the flex home equity loan into my name ; meanwhile another representative told me it would take 3 months and I still dont have the correct answer.
b ) I was told that I had to get another quitclaim deed ( to make sure the title of the XXXX XXXX is not in my name ) which made no sense ; I told 53 that it made no sense but I wasted valuable time trying to get it done. And this person shared her own personal divorce situation and had to quitclaim the 2nd mortgage! but that has nothing to do with our situation which is different because ironically no one can tell me if my name is on the 2nd mortgage. So this advice put us into an unnecessary frenzy.
c ) Fifth Third told us they can not email us the hardship application so we would have to wait for it to arrive in the mail, and d ) a bunch of other time-wasting phone calls with no one knowing what to do we could have saved at least a week which would have given us more time to come up with delinquent loan payments.
In addition to this, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not processed correctly because it should have been in both of our names when we were married but is only in XXXX 's ( my ex-wifes ) name. I asked for a copy of the flex loan closing documents because we do not understand why my name is not on the loan documents ; if my name was on the loan documents it would be easier to refinance or qualify for the modification. Since both of our names are on the 1st mortgage, I see no reason why both names are not on the XXXX XXXX - and no one at Fifth Third could explain this error or point to a standard operating procedure to prove that this is allowable. And because of this error with both names not being on the home equity line of credit, Fifth Third put the house into foreclosure and we had to fight with them to get it out of foreclosure! What a waste of time. THIS IS A MESS and clearly was not handled correctly and is part of the reason for the ongoing delays that we have nothing to do with.
Other delays were caused by Fifth Third asking for the same documents at least twice and some of the documents they asked for were never asked for ( e.g., our daughters birth certificate ) in the initial hardship application ; in addition, as early as XXXX XXXX we were told several times that they have everything to process the hardship application but we find out later they need more documentation and a couple of times, the application became too old and we had to refile. We called and spoke to 53 in the early part of XX/XX/XXXX and was told everything was submitted and they did not need any additional information from us - so we are very frustrated with this process... we have submitted documents at least 3 times already and each time we are told you have everything.
We have met all of the deadlines to submit the required documentation to expeditiously process the hardship application. As noted above, we are now really in a serious hardship due to higher interest rates and higher home prices. Our hardship has gotten much worse : 1 ) My ex-wife wants to buy a home but has been forced to pay very high rental rates pending the processing of the application.
2 ) Despite the divorce, the goal was to refinance the home in order to remove my ex-wifes name from the mortgage and home equity line of credit.
We are extremely frustrated because our lives have been put on hold. There appears to be no sense of urgency and/or consideration for the circumstances Fifth Third has put us in... no one replies to emails or picks up the phone when we call.
Just in case you are not able to receive our communication attempts, we are including the other 53 contacts hoping that someone at 53 will reply due to the urgency of our request and situation. In fact some of the recipients asked to be removed from the email!
I also mentioned several times to Fifth Third to please understand that we want to remedy this situation as soon as possible since XXXX is planning to purchase a home and I need to refinance the primary home into my name and there was and still is no sense of urgency.
It is shocking that Fifth Third does not appear to have standard operating procedures that detail what hardship documents are needed when the first hardship application was filed all the way back in XX/XX/XXXX!
This is really getting ridiculous to ask multiple times for the same and new documentation for the hardship application filed in XX/XX/XXXX. This process is very frustrating.
In addition, XXXX is having difficulty purchasing a home because of the impact of this long process on her credit report - at this point, 53 should do a goodwill deletion of all negative credit reporting on our credit history.
The real issue is that the mortgage needs to be refinanced/modified so XXXX 's name is no longer on the mortgage which is what we tried to do after the divorce but Fifth Third told us I would have to wait about a year to show payment history. And as noted above, now rates/home prices are higher and XXXX has been trying to buy her own home but we are at a standstill because of this situation.
XXXX XXXX was our original contact person and then after sending emails to him and many other representatives, we later find out that XXXX is on another assignment but we had to ask why was he not responding in order to find that out and someone at Fifth Third should have emailed or called us and said XXXX is no longer handling our account. But the fact that XXXX is no longer our contact is not a good excuse because I included many representatives on the email distribution including XXXX which is the general email for hardship applications and even with that no one replies.
Because of this huge mess, our credit has been negatively impacted and will get worse if Fifth Third decides to refinance at the much higher interest rates in effect today.
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| 01/12/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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|
Web |
Servicemember |
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After many years of banking with Fifth Third Bank I am completely disheartened to have to file this complaint and to be going through this situation while I am XXXX in XXXX. I am currently dealing with stress from their unethical business practices ; while have the inability to empathize with a XXXX XXXX member fighting for everyones freedom. About a year ago ; I went into branch in XXXX, Ohio to set up my bank accounts and ensure I would have no problems when I was XXXX in XX/XX/2019. I worked with XXXX at that branch. I told him I have a XXXX- year old child in XXXX that I must ensure money gets to every month while I am XXXX for child support. I told him I need an account that I or my wife can transfer money to electronically but set up like a gift card. If I put {$300.00} in the account every month then you can only get {$300.00} out of it. Once you take the {$300.00} there can be NO overdraft fees, PERIOD! I did not know what type of access I would have to the internet, if any, and would not be able to monitor activity on my accounts. XXXX knew my intent for the account and even mentioned international fees that would apply. He told me the account he set up could not incur overdraft fees. I was not given any paperwork either. Additionally, even though I authorized my wife to access my accounts so she could move the money over each month ; after being XXXX we realized they did not even give her access to the account xXXXX. My cell phone does not work in XXXX and I have minimal if any access to a land-line. Fast forward to XX/XX/2019, my child got on her mothers phone in XXXX and accidently used that account to order a handful of {$3.00} games. Which, she should not have been able to do, because I did not put any money in the account. Guess what, overdraft fees and now charges up to {$450.00}. They have been sending letters to a home I am not living in, because I am XXXX and they are calling a phone number that does not work, because I am XXXX! They deceived me from the very beginning and gave me an account that I specified would not work for me! If they would have told me upfront that an account, such as that does not exist then I would have sought other avenues. I have been contacting them since XX/XX/2019, whenever I can get access to a land-line. They give me the run-around, promise to follow-up in emails, and they have NOT done so one time. I now have no way to get money to my child and my XX/XX/XXXX is not completed until the end of XX/XX/XXXX. They refuse to talk to my wife ( even though I set her up on the accounts ) because she doesnt have a POA. I asked them to waive the overdraft fees and they refused. The account just keeps sitting there accumulating fees every three days. I asked them to place a legal hold on the account until we could sort it out. They refused and told me it wasnt possible. One of their unprofessional responses was Sorry, when you allow a XXXX- year old child to use your card then you will have to deal with the ramifications. I did not allow or give my child access to the account. If they would not have lied to from the beginning about the account, then we wouldnt be in this situation. I would have found another route to get child support to XXXX! They also threatened me by telling me if I didnt pay then the account will be sold and go against my credit. They told me this the day after the XXXX XXXX I am at in XXXX was hit by missiles from XXXX. I am under so much stress and should not have to deal with this while I am fighting for everyones freedom. I have never been treated and talked to so poorly by any business in my life. XXXX was promoted and no longer in that position at the bank, so I spoke with XXXX and XXXX XXXX. They told me I should have read my papers regardless of what XXXX told me. The papers that were not given to me. They were very rude and condescending. They also told my wife they could not talk to her or assist ; while dropping the line Sorry you have to go through this and it isnt even your child, and you are JUST the step-mom. XXXX mislead me in XX/XX/XXXX and now the bank wants to XXXX me over and allow the account to continue to accumulate fees when I can not do anything from XXXX. I feel so helpless and they do not care. Now have no way of getting money to XXXX for child support. Every promise of a return email has NOT happened. To date there have been four calls to the XXXX, Ohio branch and not one return communication. I have limited access to any type of internet connection as well and there is almost always a poor connection. There was never any I am sorry you are dealing with this and/or I am sorry if that is what you were told, or if there was some type of miscommunication I demand contact to the email address : XXXX. I do not have access to my cell phone number or any type of communication sent to the home address. I insist you complete the following actions to remedy your practices that caused the incident. 1. Admit when your employees mess up and fix the problem. 2. Convey compassion and empathy for your customers especially XXXX military 3. Waive all over-draft fees and fees that have been accumulating every three days for the account xXXXX. If this account continues to accumulate fees and thus is closed and sold off to a collection agency. This can prevent me from obtaining or retaining security clearance! I will initiate litigation and will publish the results in as many media outlets as possible to include : online, video and print. I will also report Fifth Third to the Department of Defense Office of the Inspector General for inclusion on the Restricted vendor list that prohibits XXXX XXXX military and Civilian personnel from engaging in business with businesses that have questionable business practices, or who do not provide adequate problem resolution in a timely manner. I will report this unethical and unprofessional business practice to the CFPB as well as the Attorney General. The refusal to place a legal hold on the account to cause fees to only continue is a federal violation of the SCRA. My next stop is to the Federal Trade Commission for unfair and deceptive business practices against customers, but also against XXXX military members who have limited access to any means of real communication. I feel helpless and should not have to go through this, and furthermore, I should not have been treated in such a poor manner by the bank employees. It is causing me undue stress as well as undue stress on my wife when she receives the harassing letters in the mail, but they will not speak to her on that matter. I will be reporting this matter to Washington as my immediate Commander and Chief is the President of the United States as well as contacting the local military counsel. I demand immediate action and demand an immediate response from XXXX XXXX XXXX, Senior Vice President, as well as : Mr. XXXX XXXX, Chairperson/CEO Ms. XXXX XXXX, Retail Risk Manager Mr. XXXX XXXX, Regional President Mr. XXXX XXXX, COO/Executive VP Mr. XXXX XXXX, Regional President Thank you!
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| 04/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
|
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Fifth Third Bank Violation of the PMI Cancellation Act - 16 years of Private Mortgage Insurance ( PMI ) payments - PMI Fraud by Fifth Third Bank ( 5/3 ).
We have been paying PMI on our mortgage for 16 years to the same originator of our home mortgage loan. 5/3 bank is in violation of the Homeowners Protection Act ( HPA ), and has been fraudulently collecting PMI from us for an overly extended amount of time. The extended PMI payments have resulted in an extension of the time it will take us to pay off our mortgage and have increased our interest payments, 5/3 's profits, and has increased our tax liability.
5/3 representatives have continuously and systematically lied to us on multiple occasions about options for dropping PMI, or flat out ignored multiple requests to drop our PMI insurance over the last 6 years.
5/3 Bank has not complied with HPAs disclosure and notification requirements that lenders inform borrowers about their rights. Disclosures include upfront and annual notices regarding when and how borrowers can cancel PMI. We believe 5/3 engaged in an unjust scheme to maximize profit by lying to us, not giving us and following up on the option to request a new appraisal to drop our PMI on our home. On many occasions the response from 5/3 bank to our requests to drop PMI, has been met with only a cursory mention of the option to getting a new appraisal on our home, but 5/3 representatives continually steered us to refinancing, as being our only option to getting our PMI dropped, even though we met all conditions required to get the PMI removed.
Our PMI insurance was originally due to be automatically dropped by XX/XX/XXXX with 5/3 bank on our original mortgage from XX/XX/XXXX. We have written documentation dating back to XX/XX/XXXX of XXXX requesting that our PMI be dropped. In the XX/XX/XXXX correspondence from XXXX XXXX, she states " In order to remove the PMI we would need to refinance your loan. '' XXXX XXXX XXXX correspondence from this e-mail thread has be attached XXXX, confirmed that she believed that we met the XXXX conditions " I just left you a message regarding your mortgage. I did some digging into home values into your area and I believe your Loan to Value should allow us to drop your Private Mortgage Insurance, which would save you at least {$130.00} a month. '' Weve attached comps of homes sold in our area in XXXX that confirms that the value of our home 's LTV threshold would have been met at XXXX XXXX the date of our original documented request to drop PMI XXXX. Had XXXX followed up with the process of getting a new appraisal, we would have been able to stop PMI payments.
Instead of giving us complete information and following up on getting a new appraisal on our home, 5/3 continued to send us pre-approved marketing offers to refinance our home. We believe this is a scheme for 5/3 Bank to extend our mortgage and thereby increase their profits. We have already refinanced our home once with 5/3 on XXXX, XXXX.
Instead of following up on ordering a new appraisal for our home after our numerous requests to remove PMI, 5/3 Bank again sent us a pre-approved refinancing offer which we applied for around XXXX, XXXX. We applied for refinancing purely out of frustration of getting the runaround in our attempts to drop our PMI. We were assured since we've been a customer of 5/3 in good standing since XXXX, and had great credit scores, that we would be approved for the refinance of our home. 5/3 Bank sent us closing documents on XX/XX/XXXX, and reassured us that they were swamped with refinancing applications, and that any day we would be approved. They dragged this refinancing on for over 6 months all the while reassuring us that they were just delayed. Around XX/XX/XXXX after many excuses for the delay, they denied our loan. They have defrauded us out of a {$390.00} application fee, and denied our loan all the while insuring us that they were just back-up in the application process. We've filed a separate case with your CFPB relating to this application fee associated with the refinancing fraud.
Our monthly PMI payment is {$130.00} a month or {$1700.00} per year. Based on this calculation, we believe that 5/3 has fraudulently collected approximately {$10000.00} ( 6 years of PMI ). This does not include interest paid, or all the time and effort wasted in getting 5/3 to comply with regulations outlined in the Homeowners Protection Act ( PMI Cancellation Act ).
Below are just a few example of our correspondences asking 5/3 to drop our PMI insurance ( these correspondences have been provided as attachments ) : -- XXXX XXXX XXXX From : Hodgins XXXX XXXX XXXX XXXX : Thu, XX/XX/XXXX at XXXX PM Subject : RE : Fifth Third Mortgage To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " Hi XXXX XXXX XXXX order to remove the PMI we would need XXXX refinance your loan. '' This was in response to an email we received from XXXX XXXX : " XXXX, I just left you a message regarding your mortgage. I did some digging into home values into your area and I believe your XXXX to XXXX should allow us to drop your XXXX Mortgage XXXX, which would save you at least {$130.00} a month. I want to get you in touch with our Mortgage XXXX, XXXX XXXX to explore some options. '' -- XXXX XXXX - They sent us a letter acknowledging our request to drop our PMI, but then disappeared on us and did not follow through on getting a new appraisal -- XXXX XXXX, XXXX - We again contacted XXXX about removing our PMI. We received a letter stating our records show that PMI was required on your loan when it was originated. We are unable to cancel your PMI at this time.
-- XXXX XXXX, XXXX and XX/XX/XXXX - We contacted XXXX XXXX and XXXX XXXX XXXX XXXX, and threatened to file a complaint with CFPB. Shortly afterward, on XX/XX/XXXX, we received a letter from XXXX that somehow magically ( different from every correspondence we've had with XXXX prior ) stated Next Steps for Your PMI Cancellation Request. This was the first time that XXXX followed-up with allowing us to to order a new appraisal for our home. An XXXX XXXX Al XXXX XXXX was sent out to our home shortly thereafter. His appraisal was submitted on XX/XX/XXXX. We are currently waiting for XXXX to drop our PMI.
For the last 6 years, XXXX made it impossible for us to get our PMI dropped, even though we met the conditions necessary to have our PMI removed. They have egregiously lied, misrepresented or flat out ignored our numerous requests.
We have spoken to several attorneys about our case and will proceed with a suit if XXXX does not remediate this situation to our satisfaction. We believe that this is not an isolated situation, but a systemic scheme to defraud their customers.
Attorneys Contacted : Spoke to XXXX XXXX : XXXX : //www.attorneyoffices.org/bank-mortgage-fraud Spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX If more documentation is needed, we can provide them as we have records of our numerous correspondences with Fifth Third Bank.
Thank you.
|
| 02/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
XXXX XXXX XXXX
Re: Loan #
To whom it may concern:
My name is XXXX XXXX and I became a customer of 5th 3rd bank on XXXX XXXX XXXX, when my
mortgage loan was purchased from XXXX XXXX XXXX XXXX. During this process, I was under the
impression that the deal had been made between my old servicer (XXXX XXXX XXXX) and my new
servicer (5th 3rd bank) and the only thing I needed to do was start making payments to 5th 3rd bank. To
date, I have made all of my mortgage payments in full and timely.
On XXXX XXXX XXXX, I received a message from my homeowner's insurance company XXXX) that my
insurance policy will expire on XXXX if the payment of XXXX was not received. I contacted XXXX XXXX XXXX on XXXX and made changes to my policy and at that time the payment
amount changed from XXXX to XXXX. I sent the updated EOI (Evidence of Insurance) to 5th 3rd bank
on XXXX reflecting the amount of XXXX was the new amount that needed to be paid to Hippo
Insurance.
I called back 5th 3rd bank on XXXX XXXX XXXX, to inquire if the payment was sent out to Hippo Insurance.
I was advised that payment for XXXX was sent via regular mail on XXXX XXXX XXXX, and to allow 7-10
days for the payment to be received and processed. On XXXX XXXX XXXX, I received a call from XXXX XXXX XXXX who claimed to be my case manager. During the call I was advised that once XXXX XXXX
received the payment that was mailed out on the XXXX XXXX XXXX XXXX there would be nothing, they
would be able to do with that check due to there being a "stop payment" placed on that check and
another payment will be overnighted on XXXX XXXX XXXX At this time, I became very upset due to my
concern about being charged returned check fee, etc. XXXX apologize and said, "the overnighted payment
will beat the payment that was regularly mailed on the XXXX XXXX XXXX". I had additional questions and
reached out to XXXX on XXXX XXXX XXXX XXXX XXXX, and I never received a call back.
During this time that I had been getting the run around from all of 5th 3rd banks representatives, the
weather in my area in XXXX was very dangerous and extreme (trees falling into homes, etc.). I was
very nervous and stressed knowing that I was getting the runaround and my homeowner's insurance had
expired on XXXX. I did the next best thing I knew to do and obtained new home insurance to
protect my investment and your collateral to my loan. I sent the new EOI (Evidence of Insurance) from
XXXX for XXXXXXXX XXXX XXXX XXXX XXXX.
I called back 5th 3rd bank on XXXX XXXX XXXX, and spoke with XXXX with ID #: XXXX to ask
checking on the issuance of the payment. XXXX advised me that I had to work with XXXX and she would
send him an email asking him to call me back. I advised XXXX that I would work with him but he does
not call back. At this point, I asked to speak with XXXX supervisor and she advised me that I could
not speak with anyone but XXXX. I informed her that XXXX has not returned any of my calls from the
multiple messages I left him. I asked XXXX if she denying me a manager, as it's a simple yes or no
question? XXXX advised me that she did not feel comfortable answering with a simple yes or no. In
spite of this, XXXX just continued the reckless treatment I had received thus far. At this point XXXX
finally decided to get me over to her supervisor's voicemail. I did leave a voicemail and to date
(1/30/2023) I am still waiting to hear back from that manager.
On XXXX XXXX XXXXXXXX XXXX decided to call me back and confirmed the payment that was mailed in
"Regular" mail on XXXX XXXX XXXX, had a stop payment on it, the payment that was supposed to have
been overnighted never was overnighted and there was a payment put back in the "Regular" mail on
XXXX XXXX XXXX. I requested to speak with XXXX supervisor. XXXX transferred me over to his supervisor by
the name of XXXX at (XXXX). I expressed to XXXX how inefficient 5th 3rd bank representatives
are and how frustrated I have been because I am continuously getting the runaround. I asked Talley why,
with the severity of the issue that was going on with the expiring of my homeowner's insurance for nonpayment from my servicer, the payment wasnt wired to the insurance company, as originally promised.
XXXX advised me that to wire, 5th 3rd representative would have to have the insurance company's wire
information. I was even more shocked and felt brushed off and made to feel no urgency on the part of
5th 3rd bank to ensure their collateral and my loan was protected. I advised XXXX that he should have a
coaching moment for his entire time on how to work efficiently and prioritize the customer in a situation
like this, as it made sense to use the wire option.
On XXXX XXXX XXXX, I reached out to the corporate office and spoke with XXXX with ID # XXXX who
said she was a supervisor. The only thing XXXX was able to do is to confirm the payment schedule on the
dates the payments were supposed to have gone out and the method the payments were supposed to
have been made. Also, she provided a tracking # XXXX for the payment that went out
overnight after I spoke with the representative in the Escrow Insurance department of 5th3rd bank.
I received a call from XXXX on XXXX XXXX XXXX advising me that my mortgage payment amount will
increase for XXXX due to a shortage in my escrow account being in the negative. WHY and how is
this my problem? The shortage in my escrow account is a direct result of your companies incompetence
and inefficiencies! I made my monthly payments on time every month, per my original loan documents
that I signed. Those payments included money to cover my taxes and insurance. The duty of your
company was to take those escrow payments and pay them in a timely manner.
At this point, I am being strong-armed for my money as well as penalized because I am being made to
pay for the inefficient actions of 5th 3rd bank. While I have reached out to a local Real Estate attorney for
guidance in this matter, as I believe that your company has violated its fiduciary duty in the servicing of
my loan, I am not willing to risk my home NOT being covered by insurance. Ultimately, I asked XXXX if he
could reach out and request an emergency re-analyzation of my escrow account until I can get the
payment back from XXXX and send it back in and XXXX stated that he was advised that could not
happen until that payment comes back in. I dont find this acceptable and am writing directly to you, hoping you can remedy my account's egregious treatment.
I look forward to your anticipated prompt response addressing my many concerns about the failed
treatment of a "New" customer of 5th 3rd bank. Feel free to contact me directly.
Regards,
|
| 06/25/2020 |
Yes |
|
|
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Web |
|
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In mid XX/XX/2020, we began the refinance process with Fifth Third Bank in XXXX, Ohio. XXXX XXXX was the Mortgage Loan Processor. From XXXX, until when we closed on XX/XX/2020, it has been a tedious process at best.
We communicated to XXXX XXXX that we wanted closing costs rolled into the loan if possible. He assured us that wouldn't be a problem ( I have the email ). At some point along the way, we were told that our Debt to Income ratio was 1/10th of a percent off, and that we would need to pay something off in order to go forward with closing. Mr. XXXX looked at our debts and suggested a XXXX XXXX credit card with a small balance of {$2200.00}. We went back and forth via email for a while, before it was decided that yes -- that card would be paid off. I suggested to XXXX XXXX that I pay the card off myself to expedite the process and he said NO! That the card would be paid off at closing. He explained that we would bring a check to closing for the amount of the card, made out to the closing company, and then they would pay the card off. Seemed odd, but I figured I had to do what was said.
We received the Closing Disclosure on XXXX at XXXX XXXX. It showed that we needed to bring {$2200.00}. That was the amount to pay off the XXXX XXXX card, with the rest of closing costs rolled into the mortgage. All looked good.
On XX/XX/XXXX I got a cashiers check for the required amount.
On XX/XX/XXXX XXXX XXXX called me to tell me that the money we needed to bring to closing had gone down ( now we needed {$1400.00} ), and asking whether we could get a new cashiers check. I'm a XXXX XXXX, dealing with daily protests, and I told him I wouldn't be able to leave work and get to the bank all before closing that night. Mr. XXXX said he understood and told me that the difference of {$780.00} would be refunded to be from the XXXX XXXX XXXX XXXX company in XXXX, Ohio.
At XXXX on XX/XX/20, we received an email from Mr. XXXX which stated, " Mrs. XXXX I wanted to touch base on the funds for closing. You will still bring your check for {$2200.00}, but we only need {$1400.00}. The title company XXXX XXXX will send you a check for the difference.The title company has the closing docs, so you should be all set for tonight. I will be away from my computer tonight, if there are any issues please call my cell XXXX XXXX XXXX. There should not be any issues, but if there are please call me so I can try to help and correct. Thank you, XXXX '' At closing, a woman came to our home. She told us that she didn't know what any of the documents meant, just that we needed to sign each one and to do it in blue ink. I asked her about us bringing the check that was more money ... and when we'd get the refund. She said she had no idea and had nothing to do with any of that. She indicated that her ink cartridge had run out of ink and she didn't have the ability to print a second copy. She said she'd just come back the next day with a copy that she printed out. I told her no, that I'd like her to email me the copies ( as I wanted to be sure I had a copy of the documents ). Late that night we received the email with the copy of everything we'd signed.
A few days went by, and I checked the XXXX XXXX card that was supposed to be paid off. It still had the same balance. I called XXXX XXXX from XXXX XXXX on XX/XX/XXXX and she said they didn't have anything in their documents to pay off a credit card. She also told me that my refund of $ 700+ dollars had been sent to me via XXXX.
I emailed Mr. XXXX to ask him about it, and he started looking into it. He sent the following email : " Oh my gosh. Ok, I will get on this now. It believe this falls on Fifth Third for not making them aware, but at the same time this should have been on the closing disclosure. I am sorry, I will get this worked out now. XXXX '' It is now XX/XX/20, and I have still not received the {$700.00} refund, my card is still not paid off, and I still have no resolution from the bank.
At XXXX today, XX/XX/20, I received an email from XXXX XXXX which said, " Good morning - I do not have a definite answer now, but what I heard yesterday is we are going to have to reclose. They are going to correct this so we do payoff the credit card. That is the problem, the underwriter says she put paying off the card as requirement, but the closing dept did not see it, or it was not sent to them properly, that is what needs to be corrected. I am hoping we finally get it resolved today, but I will keep you posted as I hear more.
XXXX '' The second email he sent me said, " You definitely would not pay for a 2nd closing.
On bringing more money, I am fighting that, because that is not what was agreed to. It has not been said you would need to bring more money, but I have already said that is not what we want to do, or how this was set up to be.
XXXX XXXX Mortgage Loan Officer / NMLS # XXXX '' The third email he sent said : " Here is what happened as best I can explain it - XXXX said we have to payoff the credit card to get the debt ratio in line. That is $ 2200+ That request did not make it to the closing team. But the closing costs, or escrow changed, so we were showing you needed to bring {$1400.00} to closing, but the problem is that did not include the credit card. So I thought, the costs had come down, so you did not need as much for closing. It was the opposite of that, you needed more, because we did not have {$1400.00} rolled into the loan amount.
That is the problem now, fixing the {$1400.00} so you only have to bring the {$2200.00} to closing. You are still going to have to give that amount to pay the credit card.
I knew the credit card had to be paid, so that is why the XXXX and I both thought you had to bring less to closing, we knew the card had to be part of the payoff, and thought it was listed for closing, but it was not.
Does this help?
XXXX XXXX Mortgage Loan Officer / NMLS # XXXX '' I feel as though this entire process is wrong. They are holding {$2200.00} of our money hostage, I'm still having to pay the credit card, they can't give me answers. Any type of recourse I may have is going to expire! We closed on XX/XX/XXXX. It's already been two weeks. I refuse to continue going back and forth and being railroaded by a bank that made a mistake and refuses to make it right.
I have hundreds of emails exchanged between the bank and I, the CD, as well as the documents from the title company. Please help.
Oh, additionally, they haven't paid the necessary taxes that are due XX/XX/XXXX. I've emailed them about it twice but as of today 's date it still hasn't been paid. I will not be paying the late fee for that either.
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| 06/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
My husband and I are dealing with the death of his father last year with no will and in probate and the recent sudden death of his brother on XX/XX/XXXX, whom my husband is the executor with all legal documentation. We had to sell XXXX XXXX cars of my brother-in-laws and had a buyer who wanted to purchase them on XX/XX/XXXX and was coming in from XXXX XXXX. On XXXX we were at the DMV and showed them all legal documents and were told XXXX could sign them over to the buyer as executor and then notarized, however, they were not open on Thursday but your local bank could notarize. On XXXX I called the Fifth Third Bank in XXXX, XXXX ( closest bank to where the cars were being sold ) and explained the situation and was told there would be no problem notarizing the titles. On XXXX I had to deposit money in my sons account and my husband asked the teller is someone would be there tomorrow around XXXX am to notarize. The teller said she has spoken to me the day before and it would be no problem but she would check. A lady came out, did not introduce herself or ask us to come in and discuss the situation or see any documentation but immediately stated she would not notarize the titles without them all being changed to my husbands name. I tried to explain the situation but she refused to listen. We went back to the DMV and asked them if all titles had to be changed to my husbands name and they stated NO that my husband had the legal authority to sign over the titles. We went back to the Fifth Third bank and again tried to speak to this lady. My husband asked her 3 times to please listen and review the legal documents but She refused to listen, refused to review any documentation, kept calling very hatefully my husband either him or you, never referred to us by XXXX XXXX XXXX XXXX. We are very private people and she made us on both occasions discuss our private business in the middle of the lobby and kept making inappropriate statements to my husband such as I will not let you get the money ( checks were made to my brother-in -laws estate ) she could notarize who she wanted and she looked at my husband and stated she would not notarize you and when my husband asked her why she would not sign she told him because I do not like you! We were standing close because this was very private business to us and my husband became very upset at the disrespect and discourteous manner in which we were being treated and told her she needed to learn to listen and do her job and all of a sudden she started screaming in the middle of the lobby get out of my face. My husband had had enough. He turned around, started walking out, did call her a name and all of a sudden someone from the front started running out yelling she was calling the police and to get out and never come back. My husband as we were walking out told her go ahead, call the police, we did nothing wrong. We left the bank called our attorney, told her the situation and she also stated the lady should have signed. She knew what kind of stress we have been under and rearranged her schedule and came out the next day and notarized the titles herself.
The next day I called the complaint department at Fifth Third -spoke to XXXX and gave a formal complaint. I also sent an email to XXXX XXXX, XXXX.
A week later we received a call from XXXX XXXX, XXXX for Fifth Third telling us that this lady had filed a complaint against us and wanted all accounts terminated immediately. XXXX stated he had reviewed the video ( which we asked for and never received ) and no threat was ever made but this lady ( later learned her name was XXXX and is the bank manager ) was intimidated by my husband, he is XXXX with a gruff voice. We informed XXXX XXXX we would never set foot in the XXXX Fifth Third bank again and that we had never been treated so terribly by someone we had never met before! XXXX XXXX stated he and his boss thought everything would be ok as long as we did not go back to that bank but it was up to corporate. With all the stress we have been going through my husband and I decided we did not want a bank that treated people like this and started proceedings on changing banks. We went to our Fifth Third bank in XXXX, great people, and were told they would have signed the titles because we had filed all documentation my brother-in laws death certificate, executor papers, etc on XXXX!
We were told to leave {$1.00} in our checking account until we could get pensions, social security ( received a letter stating do not close for XXXX months ) and automatic payments, and Fifth Third stocks transferred.
On XX/XX/XXXX we received a call from XXXX XXXX stating that corporate wanted all accounts terminated and also because my name was secondary on our sons that their accounts were being terminated. ( They had us and my sons investigated and we had a spotless reputation ) On XX/XX/XXXX my husband received a letter stating accounts were being terminated due to inappropriate behavior and he would be prosecuted if on any Fifth Third property.
My sons decided to change banks and were in the process also and my older son was waiting for his credit card bill so he could pay it and then close his account.
He received the bill on XXXX and since it was a holiday went to close it out on the XXXX at the Fifth Third XXXX, Oh bank and it was frozen. He is the primary on the account and did not receive any notice! He had to explain the situation and they also stated they would have notarized the titles since all legal documentation was in there system This bank has ruined our spotless reputations. I never received a letter but just found out I was charged with inappropriate behavior ( I did NOT say or do anything inappropriate at any time ) so that they could terminate our and our sons accounts.
I never received a response from the complaint or from XXXX XXXX and this XXXX never received any reprimands regarding her treatment of us.
It was not investigated into why she would not listen, look at the documentation, her hateful and discourteous treatment of us- when XXXX of their own other banks said they would have notarized and our new bank and XXXX other notarys.
After checking around I can understand why this XXXX bank has such a low rate XXXX out of XXXX and many, many complaints.
We had been with Fifth Third for over 45 years! Fifth Third threw us away like trash. We want nothing to do with a bank that treats someone like this. We feel we were discriminated against because we pay our bills, do not have any loans, and are not making Fifth Third any money.
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| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
|
Dear Consumer Financial Protection Bureau, I am writing to dispute a charge on my credit report that has greatly impacted my credit score in a negative way. The charge in question is for a XXXX XXXX XXXX filtration system that I purchased with XXXX XXXX and XXXX XXXX XXXX, who has the XXXX XXXX XXXX XXXX reporting to the credit bureau. The system has caused me to suffer from extreme dryness, cuts, sores and rashes on my skin due to the salt that the system uses. I reached out to XXXX XXXX and XXXX, XXXX and XXXX XXXX to resolve the issue and requested that the system be removed, but they have not provided any resolution and have not followed up on calls. The water with the system is not suitable for myself and my family, we can not even drink the water. To make matters worse, XXXX XXXX and XXXX XXXX has Dividend XXXX reporting late payments and requested a hard inquiry to the credit bureaus, which is negatively impacting my credit score even further.
I am requesting that this inquiry and charge be removed from my credit report indefinitely and immediately with the time frame of 30days. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information in my credit report. Furthermore, the Consumer Product Safety Act ( CPSA ) requires that manufacturers of consumer products take steps to identify and address potential hazards associated with their products. XXXX XXXX and XXXX XXXX and XXXX XXXX failed to fulfill this obligation by selling a water filtration system that causes severe skin irritation and is not suitable for consumption. XXXX XXXX and XXXX XXXX actions have violated my consumer rights by failing to provide a safe and suitable product, failing to inform me of my right to cancel, and failing to address my concerns and provide a resolution. XXXX XXXX XXXX XXXX reporting of XXXX late payments and inquiry through Dividend Financial, to the credit bureaus is a further violation of my rights.
The Federal Trade Commission 's ( FTC ) Cooling-Off Rule also provides consumers with the right to cancel certain types of contracts within three days of the transaction. XXXX XXXX XXXX XXXX XXXX XXXX did not inform me of my right to cancel and did not provide me with any opportunity to do so. My consumer rights were violated by XXXX XXXX XXXX XXXX failure to provide a safe and suitable product, failure to inform me of my right to cancel, and failure to address my concerns and provide a resolution. I purchased a product from XXXX XXXX XXXX XXXX which did not function as advertised, and I was subsequently charged for the defective product.
I have reached out to the parties of which the equipment and contract are associated with. I have been informed that XXXX XXXX and XXXX and XXXX XXXX and XXXX, who were both a second or third party to this contract, have been out of business or removed from the contract months after installation. I am concerned that my communication attempts were not responded to because of this reason. Throughout the duration of this contract, I have also made several attempts on my own to find a solution to the problem of why my skin was so extremely irritated after the installation of the XXXX XXXX water filtration system. I had a water test done, I have had several doctors ' appointments and medications prescribed, I have had to hire a plumber, and contact XXXX XXXX water.
The conclusive result is that the salt that must be used for the system as a softener is causing my skin to break out in severe lacerations, bleeding, soreness, dryness, itching, and red blisters. The system has not had any salt in it in about 3 months and my skin subsided to most side effects from the water. I have not had any cuts or bleeding or rashes. Additionally, the filtration system in the kitchen has not enabled me to drink or use it for cooking. I can not drink the filtrated water from the system. All these issues started after installation. I communicated with a representative who came to my home directly after installation that the system had not made a difference in my home and that my skin was drying out. She said to Give it more time because there are only XXXX people who live in the home. She refused to issue a refund at that time or address my concern in a productive way. I also received some products such as laundry detergent, shampoo, hand soap, etc..., that came with the filtration system but none of these products worked or proved to be effective as well. I never received any calls or follow-ups from the company to make sure the system was functioning properly.
Despite my attempts to resolve the issue with XXXX XXXX, they have refused to refund me, and they have refused to remove the equipment. As a result, I am now disputing this charge and requesting that it be removed from my credit report. Dividend XXXX ( {$10000.00} ) has reported late fees and is continuously harming my credit. Please verify and validate all data for this account, all dates and balances whether reported or not. Through the provisions of the FCRA investigate and remove.
My final attempt to resolve this issue with XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX, through my use of complaining to the BBB, was around XXXX XXXX XXXX XXXX. I first spoke with XXXX ( XXXX Assistant to the XXXX of the company ( XXXX ) XXXX. She directed me to XXXX who sent out a technician to test the water after I then also explained to her the damage from the system. The tech came and put salt in the filter which he admitted could be causing my skin irritation and he suggested that I cut the system all the way off and use the city water if my skin continued irritation after he refilled it. I spoke with the XXXX of XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, on the XXXX of XXXX as well. We spoke about the XXXX coming the following day and he said that the technician was supposed to test for grains, hardness, etc... I am not sure what the technician tested for but I was promised a follow-up call. I never received the call. I have evidence that shows and proves that the system is causing me harm. If the technician suggests me to cut off the system, that is just another indicator that I do not need the system because it is harming me. I respectfully request that you take immediate action to investigate and resolve this dispute. I also request that you provide me with written confirmation of the removal of this inquiry and any related late payments from my credit report. Thank you for your time and prompt attention to this matter.
Sincerely, Consumer
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| 11/25/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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|
Web |
|
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On XX/XX/XXXX, {$240.00} dollars were taken from my Checking account at Fifth Third Bank and transferred to XXXX via 4 charges of {$19.00}, {$24.00}, {$99.00} and {$99.00} in XXXX XXXX I promptly filed a dispute for all of these charges to their Disputes Resolutions Department and, the next day, was granted a provisional credit the next day of the total {$240.00} while the Disputes Department " investigated ''.
At the end of the same month on XX/XX/XXXX, {$220.00} of the provisional credit ( the charges of {$99.00}, {$99.00}, {$24.00}, {$19.00} ) was reversed as a result of the disputes being partially denied. This briefly caused an overdraft in my account and a huge portion of the paycheck I'd received that morning was taken from me.
I called them immediately to figure out why the dispute was denied and they explained that " the merchant presented information showing that the charges were valid. '' The information is simply my already having a XXXX Account prior to the funds transfer and the {$19.00} and {$24.00} being used for Product Purchases.
The denials obviously make no sense whatsoever for several reasons : 1. I DIDN'T EVEN HAVE MY XXXX XXXX AT THE TIME AND YOU NEED TO INPUT PERSONAL INFO. I ONLY I KNEW TO MAKE PURCHASES!
2. The dispute for the {$19.00} was approved yet the other charges were denied, even though all of these charges occurred on the same day. Nothing makes the one charge any more legitimate than others. If anything, the disputes for the 2 charges of {$99.00} should be more likely to be approved than the smaller amounts. I don't even know of any game or XXXX on XXXX Store that costs {$99.00}.
3. XXXX XXXX was completely empty ( not even a cent ) even after the alleged " purchases '' were made. In addition, I could find no record of any purchases associated with the 2 charges of {$99.00} in my Transaction History on my XXXX Account ( online ).
4. If there was funding made to my XXXX account, my XXXX XXXX should've renewed as my account was to auto-renew. However, my Transaction History explicitly states there are " missing charges '' the same day. In other words, there was nothing stating my XXXX XXXX renewed even when my account was funded, and I need XXXX to play most games.
5. The auto-renewals for XXXX XXXX is only {$9.00}. There is nothing to warrant any further charges without my consent.
6. The merchant, XXXX, presented no information what these products were that costed {$19.00} and {$24.00} ; 53 Bank merely took these Product Purchases at face value.
7. My word should be good enough! The money started from my account, and I promptly reported that these charges were unauthorized the same day the funds were transferred. It's not like I'm trying to steal any money from the bank ; I'm merely trying to have my own money returned to me. With that in mid, my word that the funds transfers were unauthorized should've trumped any superficial information XXXX presented. No possible harm is done from giving my money back to me.
The denials for these Disputes are clearly the result of incompetence, irresponsibility, sloth, and/or corruption among Fifth Third 's Disputes Department.
I, of course, called Fifth Third Bank the next day on XX/XX/XXXX to talk to them about the Provisional Credit Reversal and upon discussing the dispute denials, I immediately emailed them information ( my Transaction history and XXXX XXXX, attached below ) and they re-opened the case. They stated it would take at least 14 days and up to 30 days for investigator to resolve the case ...
It is currently XX/XX/XXXX and it has been at least 30 days since this Dispute case has been re-opened. Not only has the case not been resolved but the investigators have yet to even come to conclusion at all. Mind you, this is a process that mostly involves exchanging a few emails with the merchant and looking at pictures ( as basically described the bank department 's own representatives ).
Over the course of this last month, I've made at least 10 or more phone calls to Fifth Third 's Customer Support and Disputes Resolutions Department, yet the only answers I get are apologies for my inconveniences while they lifted no finger to fix it. I've even had one of the Department 's workers ( someone above the representatives by the name of " XXXX '' ) hang up on me after repeating " Your 30 days are not up ''. I asked them multiple times to put me through to the working investigator, but they just simply claim that they are unable to give their information or contact the investigators themselves. I may be wrong but this is a Fortune 500 company we're talking about. What kind of company as large, powerful, and productive as Fifth Third can't even contact investigators that THEY are contracting?
I understand that these alleged " investigators '' are obviously swamped with several cases beside my mine 's, but considering my case is the result of the Disputes Resolutions Department 's own ERROR, I would think they at least show some effort in trying to return the money they allowed to be taken from me in the first place. All they've done is supposedly leave little notes for the investigators without actually making direct contact with them to make sure they're actually doing their job properly, for the benefit of THE BANK 'S customers.
Isn't the fact that these alleged " investigators '' are dealing with so many re-opened Disputes cases partial proof of the Fifth Third 's hazardous incompetence in the Disputes Resolutions Department? That itself is speculative on my part but I've seen so many people on social media complaining about similar issues with the same department. The Provisional Credit Reversal caused SEVERAL inconveniences for me financially and now, I'm worried I'll never see my {$240.00} fully returned to me like it should have been.
In summary : A merchant ( XXXX ) took {$240.00} from my Checking account. When I disputed these charges as being unauthorized with the bank, 53 Bank tricked me into a line of credit under the guise of conducting an investigation. After I told them the merchant ( or some employee working there ) STOLE this money from me, they basically NEGOTIATED for PART of MY money, and allowed the merchant to keep MOST of it.
Does that sound legitimate at all?
I am not a wealthy man. I have expenses that must be paid. I had very important plans for the paycheck I'd made on the week of XXXX XXXX and those plans were completely ruined when Fifth Third Bank took my money from me.
|
| 09/20/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
An employee at Fifth Third Bank befriended my father ( bank address : XXXX XXXX XXXX, XXXX, FL XXXX. I am not sure of her title or last name. He took her to lunch, had her family over for dinner at his home with me present and went to dinner at her house. Her name is XXXX ( last name unknown ). The bank should have record of such employee with that first name at that particular branch and time.
He dealt with her when he had small erroneous charges or two on his bank credit card.
A new card was issued and XXXX, the bank employee, took the old card and said she would shred it Shortly thereafter she left the bank saying she was going into real estate at our DINN TABLE we now have recently found out she had been fired - do not know the reason. {$5000.00} some odd dollars was charged and the bank demanded the payment even though My father insisted he did by no means transact any such charge.
He called the customer service department and they researched what the problem may be and found out the he had two active credit cards in his name my father denied he had any other credit card only the newly issued card - the customer service rep told him it would take three months for the investigation. There was no other communication from the bank of any resolve but my father trusted in the bank a took no action.
My father after receiving another collection notice spoke to a XXXX ( last name unknown ) at the branch on his suspicion of who may be responsible for the fraudulent charge and named XXXX even not knowing it was his old card being used that was supposed to be shredded and the customer service department did not even mention that. Just that there were two credit cards in his name.
XXXX Told my father not to say anything as it would be her word against his - WHAT? Neither investigated? Again WHAT?
Again no action at was taken so my father took it that everything had been settled. It turns out that the bank did not notify the credit card company to cancel the old card and the matter IS still unresolved.
The fired bank employee ( criminal ) - XXXX - came to my father 's house and said that at the time of exchange of the old card to the new card she had given his old card to her assistant to shred - WELL according to XXXX her Assistant did not shred it and she was aware of that but XXXX was not responsible for the fraudulent charge in the amount of around {$5000.00} or so but she did admit that she changed the address on the credit card. To who 's address - who knows - I will find out on XX/XX/XXXX. HOW CAN A BANK LET THAT HAPPEN WITHOUT PROPER IDENTIFICATION? XXXX did not report this as she claimed this was a single mother with XXXX children in need of money.
XXXX then told my father not to report the fraudulent charge as THE GIRL ( the " GIRL ASSISANT? ) would pay off the credit card and just let it be and when the card was paid off all would be good. My father did not fall for that. However, there was an {$800.00} payment made towards the debt.
After my father received another pay now bill he contacted XXXX who he had previously had spoken to about his suspicion on who may behind the CRIME ( who advised him to say nothing ). He went to XXXX and told him XXXX confessed to the CRIME and finally almost after a year XXXX opened an investigation? after almost a year? My father was also told the case had been closed. CLOSED? What on earth was happening here? And my father still trusted XXXX.
I contacted Fifth Third Bank Credit Card Fraud department and they had never received the notification of any fraudulent actions My father TOLD THE BANK TIME AND TIME AGAIN THAT HE DID NOT CHARGE THAT AMOUNT TO A CREDIT CARD he did not possess and even though Fifth Third Bank found that he had two credit cards - THE OLD ( SUPPOSEDLY SHREDED CARD ) the NEW credit card - my father advised that the charge was not initiated by him. PERIOD. NOTHING WAS DONE when he was told it would take three months to investigate. INVESTIGATE? MY FATHER TOLD HIM THAT IT WAS PROBABLY THE OLD CARD THAT WAS NOT SHREDED. DOES NOT THE BANK HAVE A CLUE TO THIS INFORMATION? OH, OKAY WE 'LL LOOK INTO IT.
I called the customer service number on the back of my fathe'rs card and was advised to fax A Power of Attorney naming me as POA for my father on XX/XX/XXXX at XXXX on the advice of an agent at Fifth Third bank by the name of XXXX. I sent the POA with an URGENT cover page message about the CRIME. Why I did not speak directly with the Fraud department leaves me clueless and why she did not direct me to the FRAUD department is beyond me. I kick myself a hundred times for not catching that. I then called the Fraud department and XXXX who is a Supervisor said there was nothing they could do and it would take five days to validate the POA if they in fact had received it and advised I go to the branch. What? How can they validate such a document when there is no social security numbers listed to validate and only the named designated POA ( s ) and my father 's signature that had been witnessed and was deemed valid by a Notary. And then tell me to go the corrupt branch that now has told him that the case had been closed? CLOSED????????????
I tried my best to capture the negligence of the Fifth Third Bank in this writing but now I will tomorrow ( XX/XX/XXXX ) go to the branch AGAINST MY FATHER 'S WISHES, as he feels they are helping him and get to the bottom of this criminal action not only by the employee XXXX but the branch itself Fifth Third bank. I will call the Sheriff that came to see my father and let her know my intentions and to please be there. If not her then I will request another Sheriff accompany me.
My father is XXXX years old and in the XXXX XXXX XXXX XXXX. He has still good sense but can not sometimes deal with intense situations such as this and will leave it in the hands of people who say they are going to help him ( the Bank ). He is too trusting. I feel that there is more than the one person at the branch that may be involved - mainly XXXX and possibly others. Please help me out.
As of the writing the old credit card may still active ... ....
My father just denies he needs assistant as feels that the bank will handle. After a YEAR look what has happened - NOTHING, NOTHING.
XXXX XXXX XXXX POA for XXXX XXXX XXXX Contact information : Cell : XXXX call or text/ email addresses XXXXXXXXXXXX or XXXXXXXXXXXX.
Please please please do something. THIS PERSON MAY HAVE TAKEN ADVANTAGE OF OTHER SENIOR CITIZENS.
|
| 08/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
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Attn : XXXX Bank Fraud I was Scam. XX/XX/XXXX Bank withdrawalXXXX scam. {$2500.00} XXXX charge to checking acct. {$1000.00} Scammed me a total of {$3500.00} Fake Papal purchase of {$1700.00} He had my name and my email due to the email I received supposedly from XXXX.
He Evidently had my account number.
The Scam of what happened- Checking acct- Bitcoin- XXXX I call XXXX XXXX fraud. I was so rattled so then went home and wrote everything down that happened.
I received a message from XXXX of a charge for {$1700.00}. XX/XX/XXXX. XXXX. I didnt know what the product was, I never made this purchase.
I called XXXX, number at the bottom of message to tell them I did not make this purchase.
His Phone : XXXX ( XXXX ) XXXX A man answered I explain the problem he said he could fix it.
He asked me if I had XXXX. I said yes. He tried to use the account but it was denied.
Then he tried XXXX XXXX, XXXX pay and XXXX. I didnt have any of these but he tried and I saw all were denied.
He said that is ok. We can still get your money another way.
Then he said you need to go to your bank now if you want your money back.
I believed I was picking up the {$1700.00} I was getting back from the XXXX purchase that I didnt make.
So I went in the bank, he stayed on the phone while I drove there.
I told him I arrived at the bank, he said go in and withdrawal {$2500.00}.
I said I dont think I have that much in my account.
This is the first time I heard I was going to be taking money out of my account.
XXXX XXXX started get worried.
He said no he had just put {$2500.00} into my account. Never thought of how would he know my account to be making a deposit.
So I did what I was told because I thought he put in the {$2500.00}. It was his money. Still trusting him.
I am thinking now this must be how I gets my money back. But starting to get scared.
Back in my car with the money, {$2500.00} and him on the phone he tells me to go to a specfic gas station.
Again I follow his instructions. Still hoping he is honest with me.
On phone he told me to go in and insert the {$2500.00} into a bitcoin machine.
I went in. Didnt know what a bitcoin was but found it.
Still on phone he instructs me on directions.
I followed his direction on how to answer the questions on the screen.
Not understanding at all what I am doing. Took me forever to find the place to put the money in. XXXX XXXX at a time.
I told him I feel like this is a scam. He said no, what the people that charged you {$1700.00} was the bad people. He said he was helping me get my money.
A receipt printed out of the machine which I have. ( I have enclosed the receipt from bitcoin ) So I drove home. Getting more and more scared of when do I get my XXXX. Still believing he put in my account his {$2500.00}.
He told me to call when I got home. Because the money wasnt coming through.
I called him when I arrived home and by now he said the money came through.
He said I will call you in the morning.
So after getting home and calling him, I go to my computer and look at my XXXX account.
*I see NO deposit of {$2500.00} XXXX saw a withdrawal for {$2500.00} from my acct. Not HIS money. My money *Then I see a {$1000.00}. from XXXX withdrawal from my account. This was a total shock to me. How did this happen. First time I knew if this. Had no idea he was using XXXX, I had never used.
*So now he has stolen a total of {$3500.00} from my account. I have {$50.00} left in my acct.
I NEVER gave him my checking account information. He only had my name. Plus at the beginning I saw him denied of XXXX, XXXX, XXXX and XXXX pay.
But I have been told by the company I work for fraud department that once I opened his email a scammer can access all my account info. They can wipe one out.
He has stolen {$2500.00} from my checking acct. and then an additional {$1000.00} he had XXXX charge me. I never gave him my bank account info.
I did the bank withdrawal because he said he was getting my money back from the purchase I didnt make of {$1700.00}. Plus he told me he had put in {$2500.00}. So I didnt think it was my money. He said he was sending me to the bank because XXXX XXXX, XXXX pay, XXXX, XXXX. were all denied.
I cant believe I fell for his story, except I did see the email that said I was charged XXXX by XXXX.
He had to be in my account to see I had the {$2500.00}. I thought I had {$2200.00}. That is why I told him XXXX cant withdrawal {$2500.00}. That is when he told me he deposited {$2500.00} in my account. Big lie!
He knew exactly what I had in the account. He had to be able to see my account. I never gave him my account numbers Nor any XXXX account. Because I never had used XXXX.
I know it looks bad because I was the one that went in the bank to make the withdrawal. I truly believed he was helping me.I believed him when he told me he deposited his {$2500.00} into my account. I realize now how gullible I was. Never had any one lie to me like this.
I called him that night no one answered.
I sent a text- no answer Next morning sent another text. XXXX am Thurs.May XXXX, XXXX no answer Then I received a call from him in the afternoon on Thursday, XXXX He told me not to worry his XXXX would be calling me soon and money would be deposited for the {$3500.00} and the money that I was charged from XXXX for the item I never bought. Equals {$5200.00} No call from XXXX all day or night.
Sent another text and call that night. No answer Friday, XX/XX/XXXX. Next day call and text - Nothing all day or night.
NO money only the {$50.00} still in my account.
Please I really need your help to get my money back.
~I have the receipt from the bitcoin machine.
XXXX thought I had the email I received about the purchase supposedly from XXXX but it must have been take off the screen now because I didnt delete it and it is gone.
~I do have the telephone number he was calling me on.
Phone : XXXX ( XXXX ) XXXX ~Case number he gave me : XXXX - Bitcoin receipt of transaction for {$2500.00} evidently was sent to him Please help!! Any more questions please contact me or text or email me if phone call doesnt go thru. My phone only rings for my contacts. Leave your number and I will call back.
I have cancelled my bank account. New bank new account.
Now I am filing a scam/fraud claim with the XXXX Department XXXX
From XXXX XXXX Email : XXXX Phone : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
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| 01/24/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Funds not received from closed account
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|
Web |
Older American, Servicemember |
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XX/XX/XXXX My father opened a CD for his first great grand child. It was at 5/3 Bank in a XXXX County, Illinois, branch office. I was the custodian. Every few years the bank would send a letter saying there was no activity so it was going to be closed and sent to the state. I remember talking to XXXX, at XXXX XXXX, the first time it happened.
This past summer I got the letter again. I called like always. The woman I spoke to said that banking laws required the closure after so many auto renewals. That made sense and was the first time I heard that. I decided that I was really tired of the bank and I needed to close it when it matured. I told her that.
That started another hassle. Every call I made to see if I could get the CD closed on maturity was met with different answers. I asked that it be closed and the check sent to me. I was told that I needed to be at a branch to close it. I live in Oklahoma while the CD resided in Illinois. We do not have 5/3 here. After many calls I reached someone who said there was a closure form. About a month or so later the form came. By itself in an envelope. No letter. No address of where to return it to. I didnt feel bad about it since it didnt mature until XX/XX/XXXX. I had time to call and get an address.
I got the letter of account activity XX/XX/XXXX saying interest was added on XX/XX/XXXX. I checked over the auto phone line and the account was closed. I waited a few days and started calling to see where the check was. People I spoke with during that time were XXXX, XXXX ( who sent me to a phone that never answered ), someone I never could understand their name, once I never got through to anyone, and XXXX who was very nice. All these I got via XXXX. I was getting disgusted. I waited for the check.
XX/XX/XXXX I tried a different tactic and called a branch in XXXX at XXXX XXXX XXXX, got XXXX at XXXX.
XX/XX/XXXX I spoke to XXXX at the same number. The story went that the check had been sent. It never arrived here. They then said they would put a stop payment on it and send another ( that also never arrived ).
XX/XX/XXXX XXXX got busy with a medical issue. I didn't make any calls.
XX/XX/XXXX I called XXXX XXXX and got info that included another department, and that XXXX XXXX closed the cd ( off of a list provided to him from another department ) and sent the money to either Illinois or Oklahoma. That day I spoke with XXXX and XXXX. I was told that XXXX was the person correcting the problem. XXXX at XXXX XXXX XXXX could not help so I called XXXX and got XXXX XXXX. I tried both Illinois and Oklahoma unclaimed funds but found nothing. I even spoke to XXXX at the Oklahoma office for the unclaimed funds. She said that nothing sho wed the XXXX or XXXX name on it.
XXXX XXXX said he would track it down. I told him I needed this resolved in 30 days since I had started in the summer and since XXXX the CD was closed and we didnt have the money.
XX/XX/XXXX It was 30 day so I called back and XXXX still didn't have an answer. I called for XXXX XXXX ( since he was the last person to see the money and should understand his process ) at XXXX and got XXXX who tried to tell me that I needed " to understand ''. Nope. That popped the last nerve. She got cursed. XXXX and I spoke and he told me that his branch manager sent it to the President 's office resolution team and to call back Tuesday unless they call me. I have never gotten a call from XXXX XXXX, the branch manager for XXXX XXXX, even though I left a request at XXXX.
XX/XX/XXXX XXXX XXXX called from XXXX and said the check went to Oklahoma unclaimed property. I had looked there since XXXX ( also looked at Illinois ) and it had not been there. Oklahoma can't find it today. Previously I spoke to a person at the unclaimed fund in Oklahoma who said they show nothing in our name. XXXX and I played back and forth while I called XXXX at the OK Treasurer 's Office. XXXX in Oklahoma said they need the report that came with the money that included the date the money was sent, the name, and dollar amount. XXXX kept saying that she can not give me a copy of the check they sent to Oklahoma. ( She tells me that XXXX XXXX spoke to me. She also says XXXX spoke to me. I have never heard from either of those people. ) XXXX finally said that Oklahoma cashed the check on XX/XX/XXXX. I was told today with XXXX XXXX will call me tomorrow. ( To this day I never have heard from that person. ) XX/XX/XXXX A great thing happened when I spoke to XXXX at the Oklahoma Treasurers Office. She told me that the 5/3 Bank uses a third party clearing house for unclaimed funds so there is no individual item sent from 5/3 to Oklahoma. It goes through a third party named XXXX ( sic ). Oklahoma shows nothing identified as XXXX or XXXX, and Oklahoma has NOT received anything from 5/3 in over one year.
I gave that info to XXXX who says XXXX will call me. I left XXXX XXXX a message of the trail for the money.
XX/XX/XXXX I got a call from XXXX at the Oklahoma Treasurers Office. The money is in the unidentified ownership fund in Oklahoma. I believe that Oklahoma was able to find it by the amount. I called XXXX to let her know.
XX/XX/XXXX I got a call from XXXX on the line that may be recorded and she told me that they resolved the issue. I told her that the entire issue was caused by them, compounded by them, and resolved by Oklahoma. She kept talking about how they sent the money to Oklahoma while I tried to educate her on the clearing house idea. She kept saying that she didnt know about a third party so I told her that if the bank wants to take credit for screwing this all up I was fine with that. I asked how they were going to prevent this from happening in the future to other people and she had nothing other than my issue was resolved.
XX/XX/XXXX I sent off the papers to the Oklahoma Unclaimed Property fund. Still no call from XXXX.
All along this process I was told that I had to understand or I was misinformed of what happened. I was told that I didnt do what the letters told me to do even though I did. No one was able to pass me on to a place that could help. Even after I got escalated to this presidents problem group I saw that one hand doesnt know what the other is doing. I am almost afraid to total up my phone time on this but I probably will just to see what it turns out to be.
I am hopeful that after 4 months my grand daughter will get the money her great grand father put in the CD for her.
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| 11/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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|
Web |
|
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The narrative is as follows : 5/3rd Bank took over my loan while my loan was in a covid relief program. 5/3rd appears to have poorly handled the process of taking over servicing of these loans. It was several months before I learned that I needed to fill out a their hardship application in order to re-establish that I wasnt simply not paying the mortgage but had been in a relief program. Because my account *appeared* to be so delinquent, I was thrown into a process of foreclosure that was entirely avoidable if this business was actually equipped to service the loans they purchased. Once I filled their hardship application out and sent it in originally in XXXX, I received very sparse communication back from 5/3rd about next steps, how to continue to make payments, etc.
A XXXX had called me in XXXX and we had difficulty reaching each other. This has been the story of this whole ordeal. 5/3rd does not have the necessary staff or systems to be handling these loans. I have phone records showing 5/3rd using their automated outbound calling services to call my phone and when I would pick up 90 % of the time there would just be a click and the call would be discontinued. This meant that every time I would call in and not get a real customer service person, I would get a call back but it would rarely connect.
This back and forth carried on for some time. No one taking responsibility or helping me solve the issue. Their online portal was problematic as well. I can only guess why. I received incorrect information about being able to pay the loan via the online portal and was even hung up on once before the customer service rep had finished helping me with my issue. The payment I made was sent back to me in the form of a check ( I believe it was a payment for XXXX and I received the check in XXXX ).
Things finally improved when XXXX ( On XX/XX/XXXX ) helped me get set back up in the trial plan. Everything seemed to be back on track again. I scheduled my payments with her for the next 4 months.
In XXXX, my automatic payment came out a day before I thought it was supposed to come out. I called the NEXT DAY ( XX/XX/XXXX ) to make the payment and on XX/XX/XXXX, finally got to speak to XXXX ( customer service rep ) to make the payment. At that time she confirmed that I didnt need to worry about it and that it would come out soon. I didnt see it come out and by the time I was able to speak with another representative ( on XXXX with XXXX XXXX XXXX this new rep ( XXXX ) informed me that my trial program had been cancelled and I would need to re-submit everything all over again for another hardship application. This is now my 3rd application.
It was not until XX/XX/XXXX that XXXX let me know about being able to file a complaint with the office of the president. No other rep had offered that at this point. I finally was able to speak to someone who would help resolve things. XXXX, with the aforementioned department, confirmed that I was given incorrect information by XXXX on XX/XX/XXXX. My other payments for XXXX and XXXX were pulled from my account just like they were supposed to. I am now still waiting for them to complete the review of my 3rd hardship application - an application that should not even need to be reviewed again because the trial program should never have been disrupted in the first place. Yes, my scheduled payment in XXXX didnt go through but I called the next day to make it and was told not to.
I currently have a foreclosure date set for XX/XX/XXXX despite the fact that I wouldnt even be in this situation had 5/3rd had better systems, more staff, and just not been so convoluted to deal with. Every person I speak to there doesnt seem to have the authority or access to provide any sort of tangible assistance and theyre playing games with the lives of every day people just trying to live in their home.
Below, you will see my quick notes for the various interactions over the past year.
Hardship application website - been to this and submitted the requested documents. Was told someone would get back to me. One person did in XXXX. I called him back but never head back again. - XXXX on XX/XX/XXXX Ive called during normal business hours and after business hours - no one has replied or responded besides XXXX.
XXXX - left message XXXX - left message XX/XX/XXXX - left message XX/XX/XXXX - spoke to XXXX XX/XX/XXXX - XXXX XXXX - New trial program started ( starts in XXXX ) {$1200.00} for 4 months - XXXX is last payment - Loan will become a 40 year loan, should stay at {$1200.00} XX/XX/XXXX - left XXXX about payment XX/XX/XXXX - XXXX said Im good about missed payment and that they would debit the account again XXXX - XXXX. Got ta do everything all over again XX/XX/XXXX - Submitted new hardship application XXXX - Spoke to XXXX. She said they have my application and that someone would be in touch with me. She said to call every so often because they XXXX at their jobs.
XX/XX/XXXX - Escalated with complaint - XXXX helped XXXX Sending in more paystubs & room mate agreement. XXXX is single point of contact ( apparently ). XXXX was the first person to offer the complaint department today.
XX/XX/XXXX - Sent everything above XX/XX/XXXX - XXXX explained XXXX still needed and that the foreclosure date has been moved out. They acknowledged the mistake of giving me incorrect information back on XX/XX/XXXX. Need to send two things to them listed in XXXX email to me. I sent documents immediately after call.
XXXX - left voicemail, asking if they needed anything from me XX/XX/XXXX - called to return some calls I had missed from them. Left VM asking for call back. More phone tag.
XX/XX/XXXX - spoke to XXXX about nothing. More of the same dysfunctional XXXX. Told me to call sooner in the day.
She notated my account with the same information as last time I imagine. Also left a voicemail for XXXX in the complaints department. Phone call got dropped.
XX/XX/XXXX - Filled XXXX ear with all of my complaints. Spoke to XXXX on a second call and got clear on the P & L document issue XX/XX/XXXX - spoke to a guy. He talked to XXXX and XXXX said my file was complete as of now and to sit tight.
XXXX - left voicemail asking for call back XXXX - Spoke to XXXX again XXXX. No new information. Theyre still reviewing things. Filing complaint with CFPB today and contact XXXX XXXX about proceeding with her help. Current foreclosure date set for XX/XX/XXXX
|
| 08/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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|
Web |
Older American |
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Follow-up to complaint # XXXX THIS IS NOT A DUPLICATE : new issues are being addressed in this CFPB complaint.
THIS COMPLAINT APPLIES TO BOTH THE PRIMARY AND EQUITY FLEXLINE MORTGAGES.
I want to address XXXX issues that were not adequately addressed by XXXX ( these issues were addressed in letters dated XX/XX/XXXX and XX/XX/XXXX and other subsequent correspondences ) : XXXX ) PRIMARY MORTGAGE the letter states that I am listed as a co-borrower with my ex-wife on the primary mortgage and in order to remove her name, I have to refinance! The problem, which I mentioned in the last CFPB complaint, is that XXXX took almost 9 months to process the last hardship application and during that time frame interest rates have significantly increased making it difficult to afford a mortgage at the higher interest rates. How could it take 9 months for XXXX to respond to a hardship application with no accountability and no concern for fluctuations in market interest rates.
XXXX ) XXXX XXXX XXXX mortgage : there are XXXX issues here a. the XX/XX/XXXX letter states that XXXX has confirmed I am not listed as a borrower on the Equity Flexline and at this time they are unable to provide any details regarding a loan that I am not listed as an owner of.
b. But as I pointed out in my CFPB complaint, when we finally received the response from my hardship application ( that took almost 10 months to receive a response ), Fifth Third underhandedly attempted to bind me to the loan WITHOUT REFINANCING ; this is financial sleight of hand of the worst sort.... The first paragraph on the first page of the LOAN MODIFICATION AGREEMENT states : START OF PARAGRAPH...
" This Loan Modification Agreement is made on XX/XX/XXXX, between XXXX XXXX XXXX, XXXX XXXX XXXX ( " Borrower ( XXXX ) '' ) and Fifth Third Bank , National Association ( " Lender '' ). The parties recite and declare that : a. Lender is the holder of a note made by XXXX ( XXXX ), dated XX/XX/XXXX principal sum of XXXX XXXX and XXXX/XXXX ( XXXX ) {$85000.00} together with interest thereon at a fixed rate more fully set forth therein ( the " Note '' ).
END OF PARAGRAPH...
My main issue with this XX/XX/XXXX paragraph is that Fifth Third tried to illegally refinance the flex loan and bind me to the flex loan but then ONLY AFTER I pointed this financial sleight of hand out to XXXX, and then they come back on XX/XX/XXXX ( 3 months later ) with a letter confirming that I am not listed as a borrower on the Equity Flexline without admitting that I caught them trying to refinance my name on to the Equity Flexline. This is not cool and violates the bank 's duty of care. So XXXX can use a financial sleight of hand to refinance me into a mortgage but then want to read the riot act to me that I need to refinance to remove my ex-wife from the primary mortgage.
Both of our names ( my ex-wife and myself ) are on the primary mortgage and likewise, both names should have been on the flex loans. It is very insulting that Fifth Third is attempting to add me to the flex loan to make it appear that " well you ( XXXX XXXX ) agreed to be added to the flex loan hardship offer and you signed the document '' and now you have to refinance both loans to remove your ex-wife from the loans.
This is a major screwup by XXXX and now they want to hold me accountable.
XXXX ) FORECLOSURE : In an XX/XX/XXXX letter under the paragraph titled Additional Important Information, Fifth Third says If we receive your package within 37 days of a scheduled foreclosure sale, we will make every effort to expedite our review of it prior to a scheduled foreclosure sale... : my issue is what foreclosure is XXXX talking about? I am making my monthly payments on the primary mortgage even though I am struggling while taking care of XXXX daughters including XXXX who is mentally ill ( I sent in the official XXXX order documents making me the legal guardian and conservator ) daughter. So why mention foreclosure in this letter when my name is only on the primary mortgage that I am making payments on? I am not responsible for the XXXX XXXX since my name is not on the paperwork.
The other problem is that my ex-wife does not and is not paying anything towards the XXXX mortgage monthly payments and I can not make her because we are not married.
Both names should have been on the flex loan when we signed up for it. Also as previously noted, due to the long time frame to process the original hardship application which covered both the primary mortgage and the flex loan, my hardship is much worse and an affordable REPAYMENT PLAN workout option should be approved for both mortgages ; I have no problem paying both mortgages if they are refinanced in my name at affordable mortgage rates this XXXX up is not my fault.
It is not fair to penalize me for XXXX Thirds ' errors and delays by obligating both of us to a loan that is only signed by XXXX responsible party. In order to add me, XXXX XXXX, to the flex loan, Fifth Third has to refinance. I am requesting that Fifth Third refinance both mortgages to remove XXXX XXXX 's name and offer an affordable REPAYMENT PLAN that fits my budget as I am recovering from the pandemic that shut my business down. I have started a new business that has just reopened and this has to be taken into consideration in the REPAYMENT PLAN.
It is not our fault that the flex loan was processed incorrectly. I do not see any legal grounds for Fifth Third to underhandedly attempt to add me, XXXX XXXX, to the flex loan and then 3 months later admit their attempt to trick me into signing the equity flex to bind me to the closing documents. It appears that we are being forced to sign documents to cover up Fifth Third 's errors.
In addition to all of the above, how can a hardship modification result in a higher monthly payment which makes our hardships much worse? If Fifth Third can try to add me, XXXX XXXX, to the flex loan, I see no reason why they can not remove my ex-wife 's name from the primary mortgage!
The bottom line is that due to XXXX errors pointed out above, I can not afford to refinance at todays interest rates and it makes no sense for a modification approval to result in a higher monthly payment AND foreclosure should not be an issue if I can not make monthly payment on an Equity Flexline XXXX mortgage where my name is not on the closing documents.
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
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Complaint against 5/3 Bank for : 1 ) violation of privacy rules- the Bank was sending reminders about payment intended to my ex-husband to my email address. ( attachment B ) 2 ) Violation of their own policy regarding authorized users of account - 5/3 bank put me on my ex-husband 's account as " user-spouse '' ( attachment C ) even though he did not authorized the bank to do so.
When he requested my name to be removed, 5/3 bank employees ( multiple ) said " it can not be done '' He did so multiple times. Last occasion was yesterday, when the Bank 's employee- Ms XXXX XXXX said the same as many others before : '' it can not be done ''. And she also added : '' by the way, that account was closed on your ex-wife 's request on XXXX. '' This was simply a lie. The account was closed by 5/3 bank on XX/XX/XXXX. See attachment C.
3 ) lying to the customer/misleading the customer - I went to multiple branches of 5/3 bank, talked to multiple people, the reply was always the same " don't worry about it ''.
4 ) gross negligence that caused harm to the customer - as the result of " don't worry about it '', my credit score suddenly dropped over 200 points. I have to point out, that during the last 10 years my credit score never dropped below 700. I have no late payment. I always paid more than the minimum monthly payment. I paid off my personal loan faster than it was scheduled. Now my score is XXXX.
5 ) malicious behavior - after filing complaint with XXXX XXXX XXXX and rejecting the Bank 's first reply with detailed reasoning as to why I rejected it and submitting documentation that proved that their reply to my complaint was factually incorrect, 5/3 bank decreased my credit limit from {$2000.00} to {$1900.00} - just to make sure I would not be able to hire a lawyer. ( attachment D ) Details : XXXX XXXX, XXXX - My husband opened a Credit card account at 5/3 bank. He was the primary account holder, I was authorised user as spouse. Account # XXXX. This account was closed in XXXX or XXXX.
XXXX XXXX, XXXX - my husband and I met Ms. XXXX XXXX at 5/3 bank in XXXX Ohio to separate our accounts, because we were getting divorced. 2 accounts were transferred to me as the primary owner. I was supposed to be removed from the rest of accounts as user.
XXXX - my ex-husband started to use credit card account # XXXX. I found out when I logged in to the online banking. I could see the account. I went to 5/3 bank and told them about this issue. The employee looked into the computer and told me " don't worry about it, I can see that this account is used by your ex-husband only ''.
- XX/XX/XXXX - I changed address upon which 5/3 bank mailed me the document that listed all " account affected '' ( attachment A ) As you can see, neither account # XXXX, nor account # XXXX is listed.
- XX/XX/XXXX- I received email from 5/3 bank that reminded me to " pay attention to account # XXXX '' The email was intended to XXXX. My ex-husband 's email.
I went to 5/3 bank on XXXX XXXX XXXX, XXXX, Ohio, where a gentleman called XXXX XXXX looked into the computer and got confused. He said he did not understand what was going on. I asked him to print out that page he was looking at. He did. And I am very grateful for that. ( attachment C ).
As you can see, 5/3 bank closed account # XXXX. Reopened the old account # XXXX as replacement without updating the data. The 5/3 Bank credit card Agreement stipulates, that the account holder " may request card for authorized users ''. - my ex-husband did NOT request a card for me as authorized user. The Bank did not send me a card for this account. On the day of reopening this account as replacement for # XXXX, I was not his spouse. As he had remarried, his spouse on that day : XX/XX/XXXX was XXXX XXXX. Not me. Totally different person.
Yet, this Mr. XXXX XXXX called me a week after our meeting and informed me that the account is mine (!! ) and that I am responsible for the balance.
ANOTHER TWIST : This account ( # XXXX ) was closed by the Bank on XX/XX/XXXX.
I accused my ex-husband of committing bank fraud.
He went to the Bank, where he was told that he had no active account and no outstanding balance. He can give a sworn statement about this.
XXXX XXXX I received from 5/3 another reminder about account # XXXX. I decided to go to 5/3 bank in XXXX, Ohio, because that is the place where everything started. XXXX XXXX was not in, I was talking to a certain Ms. XXXX, who after checking her computer told me the following : '' ignore the reminders, we know it is your ex-husband who was using this account. '' To stop me from being harassed by these reminders, she turned off all my notifications.
- XX/XX/XXXX- my credit score dropped over 200 points because I " failed to make the minimum payment on my (!! ) account ''.
This was the point when I threatened my ex-husband with legal action against him. Yet, after discussing the whole matter, we found out that the only guilty party in this whole saga is the 5/3 bank.
I wrote a complaint to the manager of 5/3 bank in XXXX, Ohio. He replied with asking me to give him a call. I replied, that whatever it was he intended to say, I wanted it in writing, because spoken words can be denied. Never heard from him since.
- XX/XX/XXXX - I filed a complaint against 5/3 bank at XXXX XXXX XXXX. 5/3 replied. As their reply was full of factually incorrect statements, I rejected their reply and gave detailed reasoning and attached supporting documentation.
5/3 bank failed to reply to my rejection letter. Instead of replying, the Bank decreased my credit limit from {$20000.00} to {$1900.00}.
Had the bank replied, they would have to admit their error.
But denying responsibility for their mistakes is the company policy at 5/3 bank. A company policy, that - after years - results in class actions.
Bottom line : 5/3 bank never once reminded the account owner that his account needed attention. When he went to the Bank, he was told he had no active account, no outstanding balance.
5/3 bank ruined my credit score and left me with credit limit of {$1900.00}, because I did not make a payment on the account that was not mine, where my name should not be at all, to which I never received a card and by the way, which was closed by the Bank on XX/XX/XXXX.
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
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Mortgage Loan Number : XXXX I am dispute 53 bank mortgages specifically- different-handling of my house mortgage case as my lender as well as to request information about their denial for the mortgage modification I had applied for TWICE. The information described below is in regard to my mortgage on property at : XXXX XXXX XXXX, XXXX, OH XXXX. Practically, I have owned this house since 2004 with a perfectly regular mortgage monthly payments effectively since then until the last year.
My dispute involves the following points : I ) Servicers failure to provide accurate information about the loss mitigation options : I had submitted for this solution that you had proposed to me providing you with all information and documents you had requested. However, you had declined my request a couple of times without any clear, for me, explanation to your denials as if I am your enemy!
II ) Escrow Errors : Unfortunately, you had increased my mortgage balance by {$10000.00}, which complicated my monthly mortgage amount by a sudden increase of {$350.00} more than what I had expected and used to pay before. Based on these unknown, non-predictable mortgage bad changes for me as an old, XXXX, and retired individual, I applied immediately for the Loan Modification, per request in order to avoid further mortgage troubles. However, you declined my application without any clear knowledge ( of my side ) about the real cause for your denial of the loan modification for me that you had ( over the phone ) referred to the XXXX XXXX XXXX For this particular point, I have to make you aware that I had already been approved more than XXXX year ago by the XXXX XXXX XXXX ( my lender to the other property ) for its mortgage modification for that property that I had used to live in over the past 10 years before my retirement and moving back to XXXX ( Ohio ).
It seems to me that the escrow errors came from TWO different unfair and illegal sources : unlawful HOA fees that had been added to my mortgage balance for the current property from a totally different property mortgage that I do NOT own anymore! This illegal behavior from you had fully happened WITHOUT ANY KIND of PRIOR NOTIFICATION TO ME FROM YOUR SIDE!? Thus, You had done this with a COMPLETE IGNORANCE TO A NUMBER OF ESSENTIAL FACTORS AS REGARD TO THAT OTHER MORTGAGE, which include : 1- My full regularity in making this condo HOA fees since its purchase until losing it on a monthly basis out of my 53 bank accounts. I do believe that this can be fully identified and proved easily by you as my lender ( 53 banks ).
2- You as my lender ( the 53 Bank ) had sold that condominium ( I used to have ) for a very good price ( {$78000.00} ) that exceeded my balance to that condominium mortgage at that time by more than {$28000.00}. Much more importantly here to say is that I had NOT gotten anything out of this condominium sale despite the fact of my regularity in making its mortgage payments for more than 17 years! Basically and per CFPB representative, these facts should logically and potentially, as well as legally abort any lenders thoughts of implementing the mortgage balance increase for this mortgage from a totally DIFFERENT PROPERTY MORTGAGE!
Other Charges : I do believe that I am entitled to a refund of excess funds in my escrow account and it had never been considered in my application for Loan Modification.
Also, these facts considerably mean that you as a lender had made the following errors : III ) Eligible Fee Ignorance ; and, IV ) Fee Errors.
V ) Unfair Bank Errors : Very HIGH MORTGAGE INTEREST RATE as a result of the Lenders full responsibility for hurting my Credit Score and destroying it the lowest. Also, it results in FULL INABILITY TO REFINANCE at a much lower interest rate than what YOU ARE CHARGING ME FOR MANY YEARS!!! This is a DIRECT INDICATOR for the huge FEE LOSS ( due to this unfair error ) for the bank HIGH MORTGAGE INTEREST OVER MANY YEARS.
Based on these multiple basic dispute items with you, my main question here is : 1- What is the difference between the two major lenders in this country ( 53 Bank and XXXX XXXX XXXX XXXX, which are located in the same country and governed by the same national and constitutional laws and regulations?! Since, for my simple understanding, the national and constitutional laws and regulations should be the same!
2- Despite the fact of providing you ( the 53 Bank ), per request, all the information and documents for that mortgage modification, what is ( are ) the main reason ( s ) of the 53 Bank lender for its denial?!
3- On the other hand, how come the 53 bank mortgage lenders allowed themselves to increase my mortgage balance by {$10000.00} WITHOUT ANY PRIOR NOTIFICATION TO ME? That lenders behavior made me feel as if I had just purchased the house just recently!? If the bank refers its reason for these additional balance increase to my current mortgage balance to the HOA fees of the condominium I used to have ( XXXX ), I am definitely DISPUTING this action of the unfair balance increase for a number of reasons, which include : a- My full regularity in making this condo HOA fees since its purchase until losing it on an automatic monthly basis out of my 53 bank accounts. I do believe that this can be identified and proved easily by my lender ( 53 banks ).
b- The 53 Bank lender had sold that condominium ( I used to have ) for a very good price that exceeded my balance to that condominium at that time by more than {$28000.00}. However, I did NOT get anything out of this condominium sale despite the fact of my regularity in making its mortgage payments for more than 17 years!
Basically, these facts should potentially, legally, and logically abort any lenders thoughts of implementing the mortgage balance increase for an ABSOLUTELY DIFFERENT PROPERTY and a TOTALLY DIFFERENT MORTGAGE as the CFPB representative confirmed to me the illegality of this behavior. Also, she advised and guided me to make this letter to you for that error to dispute, and to info REQUEST in writing to my lender ( Fifth Third Mortgage ) since it provides additional protection.
I would really appreciate your serious considerations to my mortgage dispute request, and I look forward to hearing back from you.
Sincerely
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| 08/27/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
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My husband and I are victims of fraud and deception. XXXX XXXX XXXX XXXX salespeople misrepresented the company employing tactics of deceit and bait and switch.
Our timeshare was purchased at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Tennessee onXX/XX/XXXX. This product entailed the use of XXXX biennial points for a loan of {$10000.00}. Including our down payment and closing costs, this purchase cost a total of {$12000.00}. Within six months of purchase, we paid off the bulk of the XXXX mortgage, and in an effort to reduce XXXX XXXX exceptionally high interest, I moved the remaining {$4000.00} onto a Fifth Third credit card in my name.
Deceptive tactics include : 1. Their salesperson XXXX told us that we had thirty days to return home to look over the contract. XXXX said if we werent satisfied, we had a 30 day rescind period from the date of purchase which was the day of the presentation.
This BBB warning report supports our position : Our file contains a pattern of complaints from consumers alleging difficulties canceling vacation packages booked through XXXX XXXX. Consumers claim, although XXXX XXXX has a cancel within 30 days policy, their requests for refunds for canceled trips are denied. Other consumers feel they are victims of deceptive sales practices. Consumers claim resorts are never available when they contact XXXX XXXX. While yet other consumers claim the " free '' vacation XXXX XXXX offers is not free and involve fees they were not made aware of.
-We started having concerns immediately after purchase, but no one from the XXXX XXXX XXXX XXXX whose numbers we were personally given and directed to call would return our calls. We tried contacting XXXX XXXX, XXXX XXXX, and XXXX XXXX, as these were the people we dealt with the day of the purchase. They directed us to strictly contact them for any questions we had. None of them would respond to my calls or emails. By the time I got through to someone at XXXX XXXXXX/XX/XXXX, I found out the rescind period was 10 days, not 30 days, so we were unable to rescind.
2. Their salespeople XXXX and XXXX lied to us about how XXXX XXXX allows you to book one of the many nationwide hotels with points at no extra cost, and there would always be last minute availability.
-This was our intended purpose, because we do not have the paid time off to take vacations during the week, so this sounded like a feasible option for last-minute weekend getaways. My husband also intended to use it for his work travel in order to save money on hotels. We were told there were many hotels available across the nation for use. We later learned the nearest resort is a five hour drive, so the resort aspect was not a feasible option to travel in a weekend. Every time we checked the hotel option there either wasnt availability or the one time it was going to cost over 4,000 of our XXXX biennial points. We were essentially going to pay {$4000.00} for a two night stay at a hotel. As a result, we have never used our points to go on a vacation.
3. Both XXXX and XXXX told us that this product holds a high resale value due to the demand of the product, since it is a deeded property that can be used as a tax write off. We were also told that if you cant afford your timeshare or decide its not for you, XXXX XXXX will sell it and have it sold within 90 days without any work or cost on your part, and XXXX XXXX will buy it back if it doesnt sell in that timeframe.
-This is not true. XXXX does not buy back their timeshares. I was directed to go through a website known as XXXX XXXX that I must pay to sell my timeshare, and on their application documentation it states that the timeshares sold was 27 % inXX/XX/XXXX and 33 % in XXXX. Being able to have XXXX sell back the timeshare without headache from us was a major factor in choosing this timeshare, so this was very upsetting to learn that this was false information. My husband asked this question three times repeating himself, to ensure that we understood. We were told people frequently buy timeshares for near to or more than the original purchase, so it was a great money investment. This was completely false. Upon checking XXXX XXXX, many of listings that are priced around the original purchase price are listings that have not been on the market long, and there were numerous packages far larger than ours that were on the market over a year going for under {$1000.00}. I also found my exact package selling for only {$1.00} on XXXX. Upon contacting our accountant about it being a tax write-off, he informed us that this is not a property that allows for any form of a tax write-off.
There are thousands of complaints against the company for deceptive sales practices similar to my situation.
Clearly, XXXX XXXX meets the FBI definition of white collar crime : deceit, concealment, violation of trust, and bait and switch. They deceived us exactly in this way by the salespeople stating to only contact them for rescission or any other additional questions, despite never being able to reach any of them.
I filed a complaint against XXXX XXXX through the Better Business Bureau onXX/XX/XXXX. My demands included that the timeshare be cancelled, and all monies involved in this unused product be refunded. We have never used our XXXX points. XXXX said they would only cancel our contract. I then communicated that at a minimum, the remaining portion on my credit card be refunded. Their final decision on XX/XX/XXXX was to deny me any refund. They have since stated that there are opportunities for us to utilize other hotel aspects with the company, however all these options require additional money.
If we simply accept their cancellation without compensation, we become just another XXXX XXXX victim. By merely offering to cancel the product without any refund shows that this company has no regard for the training of their employees to sell a product with integrity, and therefore encourage deceit on the front end of a sale to ensure a sale. I am reaching out to Fifth Third for their involvement to dismiss the fraudulent charge of {$4000.00} from a highly corrupt company and their deceptive sales practices.
I will also be filing complaints with the FBI at XXXX and the Tennessee Attorney General.
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| 01/25/2020 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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This Complaint Notice is for XXXX XXXX XXXX ( aka XXXX ) to investigate an incident that occurred on XX/XX/XXXX : specifically, the collection tactic taken by an agent who placed an outbound collection call to a cellular mobile phone number to an authorized 3rd party ( who DOES NOT have an established business relationship with XXXX ).
The Chronology of Events : - On XX/XX/XXXX contacted XXXX to give verbal authorization to allow an Authorized 3rd Party ( a family member ) to speak to XXXX representatives regarding an alleged outstanding debt credit card debt " purchased '' by XXXX.
- On XX/XX/XXXX the Authorized 3rd Party called XXXX at XXXX to offer a lump sum settlement payment. XXXX rejected the offer. Note : the Authorized 3rd Party did not provide XXXX with any point of contact information for himself [ i.e., a phone number ]. XXXX should have a recording of this call.
- On XX/XX/XXXX the Authorized 3rd Party called XXXX at XXXX extension XXXX in a second attempt to resolve the debt via a lump sum settlement offer. XXXX again rejected the revised offer. Note : during no point in this call did the Authorized 3rd Party provide point of contact information [ i.e., a phone number ] to XXXX. Per Midlands disclosures, they should have a recording of this conversation.
- On XX/XX/XXXX a representative from XXXX contacted me on my mobile phone. I advised the representative I was unable to discuss the matter and that I authorized a family member to attempt a resolution but XXXX rejected the offers to resolve. The representative continued the efforts to collect the debt despite my attempt to advise I could not speak at the present moment so I terminated the call. XXXX should have a recording if this call.
- On XX/XX/XXXX the family member I designated as an Authorized 3rd Party received a phone call on his mobile cellular phone from a XXXX representative, attempting to collect the debt. When the Authorized 3rd Party asked the representative HOW XXXX obtained his mobile cellular number, the XXXX representative would only reply that I had provided an Authorized 3rd Party Permission for XXXX to speak to him. This is not in dispute. The Authorized 3rd Party again tried to ask the XXXX representative how XXXX captured and dialed his mobile cellular phone number, but the representative would not answer. The Authorized 3rd Party terminated the phone call.
The Complaint : It is a common business practice of XXXX XXXX to utilize Automatic Telephone Dialing Systems ( ATDS ) when initiating debt outgoing collection calls. An ATDS is equipment which has the capacity to store or produce telephone numbers to be called, using a random or sequential number generator, and to dial such numbers. The capturing of origination telephone number of an incoming call is also commonly referred to Automatic Number Identification ( ANI ).
The Telephone Consumer Protection Act ( TCPA ) of 1991 [ 47 U.S.C. 227 ] restricts the use of automated telephone equipment aka ATDS.
- Specifically : Section 227 ( b ) ( 1 ) ( A ) of the Act and its implementing rules require some form of prior express consent for auto-dialed non-telemarketing call to wireless numbers. The Act also maintains the requirement of prior express consent for auto-dialed non-telemarketing calls to wireless numbers that are not subject to any exemptions under section 227 ( b ) ( 2 ) of the Act. The Federal Communications Commission ( FCC ) leaves it to the caller to rely on either oral or written consent in complying with the statutory consent requirement.
- The Telephone Consumer Protection Act ( TCPA ), Pub. L. 102-243, 105 Stat. 2394, prohibits making calls to cellular telephones using an automatic telephone dialing system ( also known as an autodialer ) or an artificial or prerecorded voice, except for emergency purposes or with the prior express consent of the called party. 47 U.S.C. 227 ( b ) ( 1 ) ( A ). The FCC has express authority to prescribe regulations to implement this provision. Id. 227 ( b ) ( 2 ) ; see also 47 C.F.R. 64.1200 ( implementing regulations ).
- Congress enacted this prohibition to protect telephone users from unwanted communications that can represent annoying intrusions into daily life. XXXX, XXXX XXXX XXXX XXXX for Expedited Declaratory Ruling Rules and Regulations Implementing the Telephone Consumer Protection Act of 1991, Declaratory Ruling, 29 FCC Rcd 3442, 2014 WL 1266074 ( 1 ) ( 2014 ) ( GroupMe Ruling ). Congress did not expect the TCPA to be a barrier to normal, expected, and desired business communications. Id. at 3444 ( 8 ). See H.R. Rep. 102-317, at 17 ( 1991 ).
- The FCC has determined that debt collection calls are non-telemarketing calls and calls made to the subscriber of the wireless telephone that received the call, in an effort to collect a debt, must have provided the debt collector with express oral or written consent prior to the debt collector calling the wireless number [ 47 U.S.C. 227 64.1200 ( a ) ( 1 ).
- This Complaint states that XXXX XXXX, operating under XXXX, received neither oral nor written consent from my Authorized 3rd Party to contact him on his wireless number which he uses for both personal and business use. Please investigate this incident and advise if the Collection Agent who initiated the outbound call, in an attempt to collect a debt, followed MCM policies and procedures.
On XX/XX/XXXX, I submitted a complaint to XXXX 's Dispute Department ( via their on-line dispute/complaint submission process ).
I specifically asked XXXX to provide an explanation as to why they called the mobile number of an Authorized 3rd Party, who does not have an established business relationship with them, who never provided them with the mobile, and how : 1 ) Did they obtain the number and 2 ) Did they, without permission, enter the mobile number into their ATDS.
In the 45 + days since my submission, the only response from XXXX, except for the automated e-mail confirmation of the Dispute/Complaint submission, was for them to send me a Collection Letter.
I am asking the CFPB to bring this to the attention of XXXX, aka XXXX XXXX, aka XXXX XXXX XXXX Thank you in advance for your time and consideration in the matter.
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| 11/25/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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Web |
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XX/XX/XXXX i received a $ XXXX settlement for a XXXX and XXXX lawsuit for the medication XXXX. I went to my primary bank, Fifth Third, to deposit the check and the clerkXXXX XXXX, was immediately standoffish towards me.
It's important to note that this law suite was for a XXXX med. Anyone who would be a part of this law suite would be mentally ill to some extent. XXXX XXXX XXXX XXXX XXXX fXXXX XXXX XXXX XXXX. I suffer from XXXX XXXX XXXX XXXXXXXX from childhood trauma and extreme bouts of life stress. It is incredibly hard for me to work. I can hardly even leave our home to take out the trash some days. I go to XXXX XXXX XXXX every week. I am unmedicated, due to distrust and stress resulting directly from the side effects of the medicine the settlement is from. My friends work very hard to take care of us. I'm very lucky to have such a tight group of caring friends. Our living situation is volatile and this money was going to be used immediately to pay off our living situation for the next year. We were already planning to move within the week. We've been hopping between homes back and forth for months preparing for this. We have to be out of our current home by XXXX. I'm not usually one to bring this up either, but i feel like my race and appearance might have played some aspect. As i mentioned, I'm a XXXX male, standing at XXXX. I was wearing a XXXX hoodie ( it was XXXX ) and the way the clerk was instantly stand-offish just gave me a weird feeling. No one i talked to on the phone at fifth third was like that. It was only people i spoke to in person at that local branch. If not race, i believe class might play some aspect. Before this, I've never had more than {$200.00}.
She kept saying to herself, " No this doesn't look good. I don't like this. '' She " Called '' the bank where the check was being issued, XXXX, and said that she talked to someone there and they said the check wasn't good. So i walked XXXX miles to the nearest XXXX bank in XXXX weather. Getting there, i have to take moments to use my XXXX XXXX having XXXX walking XXXX miles in the cold is difficult for me. I talk to a clerk at XXXX, XXXX, and explain the above to him. He takes the check, looks it up on his computer, explains to me that the check is in fact good and that the funds are ready for me in my name. He gives me a card with his name and number and tells me that if there is an issue with Fifth third to have them call him. I walk back to Fifth Third, tell them all that. They let me deposit the check. I was informed that ALL FUNDS, {>= $1,000,000}, would be available to me in the morning, but until then they can issue me {$100.00}. I take the {$100.00} and go home. I wake up tomorrow, XXXX, to an alert on my phone that my money was on a 10 day hold, and that i was {$130.00} negative in the bank. I think " Ok it's negative because the {$100.00} they gave me, the {$30.00} is the overdraft charge. I just have to wait until the XXXX of XXXX ( 10 days ) for the check to clear and I'll be good. '' I go on with my day, looking for a place to move and thinking nothing of it. I wake up the next day, XXXX, and my account is locked.
I call Fifth Third and was told they are locking my account for fraudulent activity and that i have 30 days to pay them. In a panic I try to get in contact with everyone I know who's involved. I emailed the law firm that represented me, XXXX and XXXX, and told them that the check bounced, I called them also and left a message. I called XXXX XXXX, l The company who issued the check, and was told my best bet would to be to go to Fifth Third and try to get the check back. Immediately get dressed and go to Fifth Third and try to get back the check. The clerk, XXXX, again, is again immediately standoffish and just flat out refuses. So i walk, XXXX miles in XXXXweather again to the closed XXXX bank to try and talk to XXXX I instead talk to the branch manager XXXX, and explain everything to her. She remembers seeing the check yesterday, looks it up and SHOWS ME ON THE COMPUTER WHERE IT IS JUST SITTING WAITING TO BE CLAIMED. She even calls someone above her and they explain that everything is good and all the issues lay with Fifth Third.
XXXX goes on to tell me that Fifth Third will issue a legal copy, and if i bring this legal copy to XXXX, they can open a new account in my name, deposit the check and give me access to it tomorrow. I leave and go home, on my way home i call XXXX XXXX again to let them know what's going on. They tell me to go to Fifth Third and see if I can get a legal copy today. I call Fifth Third for approval before i go back to XXXX I get XXXX or XXXX transfers in the XXXX department until I'm speaking with the head of the fraud detection department. I explain EVERYTHING to him. He tells me that if i go back to Fifth Third and show them the legal documents that they can issue me a legal copy right there. He tells me he's putting a note on my account for them to check. I stop at home to get my roommate XXXX, to come back to Fifth Third with me as a witness and to keep me calm because i am absolutely furious at this point. I then get an alert on my phone informing me that my daily balance is- $ XXXX.
I go back to Fifth Third, again speaking with XXXX, and she refuses, she even acknowledges that she sees the note on my account and that my balance is negative HALF A XXXX, all she can give me is a printed copy. I tell her i want to talk to her boss, she tells me she is the boss, i tell her " You aren't the CEO of 5/3rd, everyone has a boss. '' She directs me to some lady in her office. I again explain the whole situation, show her the legal documents, show her the law firms website, contact information and exchanged emails. I show her the documents that i had to pay to get notorized and informed her that the law firm, XXXX and XXXX, and the company issuing the checks, XXXX, would fax over documents at request to verify anything they need at request to verify anything they needed. They then tell me, to my face, that they think I'm scamming them and lying. After everything I've shown them. They tell me that XXXX bank, rejected the check. She calls someone in the fraud department and he was just as unhelpful.
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| 02/01/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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I am writing this correspondence in regards to the recent activity and service surrounding my Fifth Third bank accounts ending in XXXX and XXXX and their unfounded closures by your corporation. In XXXX I refinanced my home via Fifth Third Bank and received a Flex line account ending in XXXX in the amount of {$140000.00} Upon receiving the account with Fifth Third bank they made me aware that I would be able to access the funds without restriction. In XX/XX/XXXX I completed two wire transfers through my account to XXXX XXXX to my family and those transactions were completed successfully and without incident. In XX/XX/XXXX I attempted to complete a similar transaction from one of my account in the amount of {$25000.00} I received an email from bank personnel XXXX, XXXX stating that I tried to reach you by phone to inform you that at this time the foreign wire we initiated has been rejected.
Upon receiving the email I called him back and he further explained that the reason for the rejection was due to the money is going to High Risk Country. The money was then released back to my account endingXXXX on the following day. On XX/XX/XXXX I visited the branch on XXXX XXXX XXXX XXXX XXXX IL XXXX. I Spoke with bank personal XXXX XXXX explaining to her that my recent wire transfer had been rejected, I then asked her to call the wire transfer department to insure that my next attempt would be successful giving the exact amount number along with the Flex line account she was able to speak with the department and they confirmed that the transfer would be processed if attempted a second time. On the same day at XXXX XXXX XXXXXXXX XXXX called me back stating that they would need evidence of what I would be using the money to do in XXXX. I explained to her that it was for my mothers medical expenses and for a house project. I was then asked for documentation as proof of my reasons. I stated that I had never been asked this in prior transfer and I did not feel it was necessary to provide documentation of my familys private information surrounding the transfer, as I had completed similar transactions successfully prior to the current. XXXX then said she would speak with the wire transfer department and she would follow up with me. The next day XX/XX/XXXX I returned to the bank and spoke with XXXX, she then made me aware that a hold had been placed on my checking account XXXX ; however the money that was being wired was transferred from my Flex Line account to my checking account. I then asked XXXX why this was happening as we had already confirmed the transfer would process the day prior with the department and she then stated that the account was under review and had been assigned to bank personnel XXXX XXXX ( XXXX ) XXXX. I waited to hear from XXXX and did not receive a call until XX/XX/XXXX. When speaking with XXXX she asked me Where are you from ... I barely can hear you and what is your current address and previous address?, what is your social security number? XXXX then began interrogating me, asking me about what I would be using the money for. I then again explained as I had with XXXX, that I would be using the money for my mothers medical expenses, and home projects. At which point XXXX then began to berate me with questions regarding the previous months of my accounts transactions. She then began to make statements why did I just not use a cashier 's check instead of money order in previous transaction the questioning preceded further about my previous months of transactions. I then asked her why she was interrogating me regarding previous transitions that were not relevant to the current transfer. I told XXXX that she could look at my accounts and see what and how I had been using my funds. She then stated that she would speak with higher management and get back to me before the end of the day. I did not receive a call back. Next day I called XXXX back, leaving a voicemail asking for follow up regarding the matter. I then went to the bank headquarter XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I spoke with a bank representative and they called XXXX, explaining that I had come to requesting follow up surrounding our previous conversation. Immediately after their conversation XXXX called me and stated I am still working on it. I then asked her on what grounds was the bank placing a hold on my account? She replied that, She did not have to repeat herself and she already told me yesterday. I then responded what do you mean? I demand to know why you put a hold on my account she then said Sir stop yelling to which I responded I am not yelling that this is how I speak she then said I asked you questions yesterday and you did not answer and then I said Yes, I did answer all your questions then replied You did not because you are doing something you are not supposed to be doing after which she hung up on me.. At which point I received a letter from the Fifth Third bank stating that they would be closing both of my accounts and reporting me to the credit bureau because of the last transaction. The actions taken by Fifth Third bank were not only unprofessional but in large part discriminatory against me as an XXXX XXXX, as the issue was not lack of finances or fraudulent practices but simply the country it was going to and the assumptions of one bank personnel who had no evidence to support her accusations. As an XXXX XXXX man my immediate family lives in XXXX. It is also my belief that these discriminatory practices prohibited me in sending financial assistance to my sick mother who was depending on me to send her money for her life saving XXXX. As a direct result of my accounts being placed on hold, and then cancelled without sufficient grounds and based purely on speculation I was unable to send the last payment to my mother for XXXX and as a result of not receiving payment she was unable to receive the XXXX and therefore, she passed away a few days later. I have reported this to the Consumer Financial Protection Bureau. And I will further be taking legal action to resolve this matter. I am appalled and disheartened at the lack of fair practice and blatant discriminatory practices that were displayed by fifth Third bank.
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| 11/18/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I XXXX XXXX XXXX and affiant. I am a federally protected consumer, holder in due course, attorney in fact and consumer and natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation XXXX CFR XXXX ( b ). I have proof that XXXX XXXX Violated my consumer rights by threatening me to get insurance and pay a down payment when a finance charge was involve which is illegal Pursuant to XXXX XXXX XXXX XXXX ( a ) and XXXX. XXXX XXXX XXXX ( c ). This violation cause for damages to be paid to me in double the finance charge pursuant to XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ). Sales Associate XXXX XXXX And the sales XXXX did not provide me with all the required information required under the provisions of 15 U.SXXXX Code XXXX is a violation of 15 U.S. Code XXXX willfully and knowing. XXXX XXXX and the finance XXXX rushed me through the car buying process so they can get off that day and didn't disclose right to rescind this consumer credit transaction Pursuant to 15 U.S. Code XXXX ( a )., in connection with any sale to a consumer, such as I, the affiant am aware, a contract must include the provision described in XXXX CFR XXXX ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against XXXX XXXX, XXXX in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recover any amounts paid and its proceeds. I have a claim to the interest and the proceeds of each trade and instrument in accordance with XXXX XXXX with the possessory right to both the instruments and the property.XXXX XXXX XXXX XXXX XXXX XXXX both definitions of seller and creditor as evidenced in EXHIBIT ( A ) and subsections XXXX C.F.R. XXXX ( j ) and XXXX C.F.R. XXXX ( c ). XXXX XXXX, XXXX is a creditor in connection and in accordance with XXXX CFR XXXX ( c ). A person who finances and extends credit to a natural person or a consumer would be the XXXX name, my property XXXX XXXX XXXX the corporate fiction and legal engis.The XXXX rescission forms are required by XXXX XXXX XXXX and must be delivered together with a statement containing the material disclosures in accordance with XXXX XXXX Code XXXX ( v ) required under TILA. In addition, the creditor must clearly and conspicuously disclose, in accordance with regulations of the Consumer Financial Protection Bureau. I, the affiant did not receive any forms nor receive any clear or conspicuous, verbal, written or video explanation on my right to rescind. I the affiant, have the right to exercise the right of rescission after the XXXX years from the XX/XX/2021 in accordance with 15 U.SXXXX Code XXXX ( f ) as shown in EXHIBIT ( A ) due to the failure of XXXX XXXX XXXX XXXX to disclose this required information. as described in XXXX CFR XXXX ( XXXX ) then XXXX XXXX, XXXX needs to provide that waiver in order to prove its compliance with the Truth in Lending Act requirements. Such failure to provide the written waiver will hold XXXX TX, XXXX. liable for its negligence, unfair and deceptive practice of not providing the consumer the notice of right to rescind.Notice, it is a fact, affiant is aware, in the case of any consumer transaction in which a security interest including any such interest arising by the operation of law, meaning not limited only to a principal dwelling, but any contract which includes a security interest, the obligor shall have the right to rescind the transaction until the midnight of the third business day following the consummation or the day the agreement was signed. The rescissions forms are required and must be delivered together with a statement containing the material disclosures required under the Truth In Lending Act. In addition, the creditor must clearly and conspicuously disclose, in accordance with regulations of the Consumer Financial Protection Bureau.Notice, it is a fact, affiant is invoking it's right of rescission in accordance with XXXX XXXX Code XXXX and XXXX XXXX XXXX to rescind any power of attorney which XXXX have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( XXXX ) ; XXXX XXXX XXXX. Notice, it is a fact, I affiant, consumer, debtor, and natural man, believe and do so believe since I granted security interest, that I have the ability to revoke such interest Pursuant to XXXX C.F.R XXXX ( a ) XXXX ( i ) and hereby exercise the right to rescind any and ALL Security interest in ; The Vehicle, All money or goods received for the vehicle, All insurance, maintenance, service or other contracts financed and all refunds or charges from the contract mistakenly given to any and all parties in consumer credit transaction at XXXX XXXX XXXX XXXX, on XX/XX/XXXX XXXX, it is a fact, affiant is aware, upon discovery, this contract has been a one sided agreement which I was never disclosed the second signature by an authorized party, head of agency or registered agent XXXX XXXX XXXX XXXX XXXX XXXX " meeting of the minds '' has never occurred in connection with this contract. Being the only party to sign this contract without full willful disclosure I invoke and reserve my right to revoke the arbitration clause in connection with this contract and for any transfer, trade, hypothecation, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me ; XXXX XXXX XXXX.Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and you agree to fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact as an unrebutted affidavit stands a truth in commerce.
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| 07/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I purchased a home for a purchase price of {$180000.00} and as part of the purchase the appraised value of the property was {$190000.00}.
During the fall of XXXX, my mortgage loan was sold at least once- perhaps twice, but my recollection is unclear. My servicer for my loan became 5/3 Bank, with whom I have primarily dealt, but the mortgage is now held by the XXXX XXXX XXXX XXXX ( XXXX ).
By XX/XX/XXXX, I had sufficiently paid down the balance of my mortgage to under 80 % of the {$180000.00} purchase price. I submitted a request to my mortgage servicer to cancel the private mortgage insurance ( PMI ) on my loan.
This request was denied, and I received a letter claiming that this was due to either the current value of my property being unable to be determined by the XXXX or that the value was determined to be below the original value. The letter instructed that in order to proceed with cancellation of the PMI, I would need to pay for either an appraisal or a broker price opinion on the property.
I contacted 5/3 customer service several times to discuss the specifics of my situation, including submitting a new request for cancellation along with the appraisal used as part of the purchase. This appraisal was performed less than one year ago, and returned a value substantially higher than the purchase price of the home. Again my request was denied. I also made additional curtailment payment on my loan, bringing the principal down to an amount at which any current value above {$180000.00} would allow me to satisfy the 80 % loan to value ratio.
I also sought clarification from 5/3 whether the cause for denial had been an inability to determine the value of my property, or a determination that it was less than the original value. Despite multiple requests to different agents they said they were unable to tell me which cause applied in my case.
I additionally asked 5/3 if they could provide me with the valuation that had been returned by XXXX to be used for the 80 % calculation, so that I could know what amount I would need to pay the principal down to in order to cancel PMI without paying for a new appraisal or BPO. 5/3 stated multiple times, and from multiple members of different customer service and escrow teams, that they could not provide me with this number.
I also reached out to customer service at XXXX, to see if I could receive from them the calculation of current value that was being used to deny my request. During that conversation, I was told that only my servicer could provide me with that information, but that generally if a servicer refuses to provide that information it is because no valuation was returned by XXXX 's system. The agent further informed me that this is not an uncommon complaint, and that XXXX 's system being unable to return valuations on properties is relatively typical, and not considered a failure in need of fixing.
I was therefore left to assume that XXXX was unable to calculate a valuation for my property, but notably was told that it is impossible for me to confirm this, as neither 5/3 nor XXXX will actually tell me explicitly that this is the case. I confirmed with the representative from XXXX that in this situation, the inability to calculate a valuation will persist, and is not something that can be resolved, and so I would either have to continue to pay PMI until the originally scheduled termination date on my loan ( nearly 10 years from now ) or pay for a new valuation estimate myself.
I also discussed with representatives from both companies the implausibility of the claim that my home 's current value has declined sufficiently to prohibit cancellation of my PMI. In order to have reached a current value low enough to prohibit PMI cancellation, my home 's value would have had to decline by 8 % in the space of less than one year. While this may be plausible in some markets, I noted to the agents that my property is located in Pennsylvania, and that according to the Federal Reserve Economic Data, the All Transactions House Price Index for Pennsylvania has continued to rise from XXXX XXXX to XXXX XXXX.
I am submitting this complaint with regard to multiple issues with how both 5/3 and XXXX have handled this process. First, I believe that it is a harmful consumer practice that XXXX itself apparently calculates the current value of properties, but is unwilling to discuss these valuations- or its inability to calculate one- with property owners. It is additionally harmful that 5/3 as a servicer is unwilling to provide to consumers the actual details of this valuation- whether it exists or not, or the dollar figure of the valuation returned.
I am aware of the provisions of the the Homeowner Protection Act of 1998 as they relate to PMI, and appreciate the law 's inclusion of proof that may be needed to satisfy the lender 's requirement for showing that the value of a property has not declined. I do not think that law provides a license for lenders or servicers to establish a system whereby- no matter the prevailing market forces or the unlikelihood a property has declined in value- the barrier of valuation and the ordering of a new appraisal/BPO can be made into a routine burden on the property owner due to the failure of XXXX 's system to provide a valuation on a property, or an unreasonable claim by a lender that a property has declined substantially in value in a short period of time and counter to market trends.
The expenses incurred by consumers because of these practices on the part of XXXX and 5/3 are substantial- not only am I now expected to pay for a new appraisal or BPO myself, at a cost of at least {$200.00}, but I have also been required to pay several months of additional PMI, with further months likely to be paid while a new appraisal is scheduled, performed, and returned to the lender. The total unreasonable cost in this instance is likely to be between {$500.00} and {$1000.00}.
While I am submitting this complaint, I am also returning to 5/3 a letter ordering a BPO on the property, as I am unwilling to continue to pay unnecessary PMI for an unknown number of months while the issue is resolved.
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| 12/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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( XXXX ) I asked to Fifth Third bank for XXXX XXXX due to loss of income.
( XXXX ) After 1 year I asked for 6 month extension to the forbearance.
( XXXX ) In XXXX, XXXX XXXX sent me a loan modification offer with two options : balloon payment of the skipped amount or 40 year mortgage.
( XXXX ) I opted for the 40 year mortgage.
( 5 ) 5/3 asked me me to make XXXX trial payments for the 40 year mortgage starting from XXXX, XXXX and promised to send me loan modification documents to be signed and notarized.
( XXXX ) I made the three trial payments but the loan modification didn't arrive me.
( XXXX ) In XXXX, XXXX, I called 5/3 told them the loan modification documents didn't arrive me. I asked the agent if I can print the loan modification documents from their online portal. The representative said, the XXXX version is the complete and I need to wait.
( XXXX ) In XXXX and XX/XX/XXXX, we had several calls wiXXXX XXXX XXXX they said I failed to return a signed loan modification in the given time and they said my loan modification application is closed. I asked 5/3 for the XXXX tracking number they used to send me the document and XXXX website shows the label was created but the mail was NOT delivered. I explained this on the many calls but 5/3 couldn't take any actions.
( XXXX ) I insisted they send me the original loan modification again since they didn't mail it to begin with. Instead they mailed me a new loan modification with unfavorable terms and more than 200 more payments per month. I called and asked how I could be asked to pay XXXX extra dollars a month for nearly 40 year because a document they missed to send me. 5/3 agents couldn't help me saying 'I have to sign the new modification '.
( XXXX ) In XXXX, XXXX I contacted XXXX XXXX and explained the above issues with my loan and 5/3. They promised to investigate and contact 5/3.
( XXXX ) After XXXX was involved, 5/3 'realized " their mistake, called me with apologies and promised to send me the original loan modification. In XXXX, XXXX they sent the missed loan modification from XX/XX/XXXX. They also told me to make the a payment for the months of XXXX, XXXX and XX/XX/XXXX based on on the amount in the original loan modification os {$1700.00}. They also told me to keep paying this amount until the loan modification is finalized and applied to my account.
( XXXX ) On XX/XX/XXXX me and my wife went to the local 5/3 branch for notary. We signed the loan modification and the branch employee notarized it. She also faxed the documents to the number listed. I paid {$5200.00} to bring the account current. I immediately mailed the original notarized documents to 5/3 using the mailing label they provided.
( XXXX ) I tracked the package and after XXXX delivery status was updated, I called 5/3 to check if they have received the document. They acknowledged that the have received both the fax and the XXXX mail.
( XXXX ) I paid the {$1700.00} in XX/XX/XXXX and XXXX, XXXX. In mid XX/XX/XXXX, when I logged on to make automatic payment, my account is still showing the pre-modifcation amount and my loan payment so far is not reflected on the mortgage balance.
( XXXX ) On XX/XX/XXXX, I called 5/3 and asked why my mortgage is not updating. The rep said " the loan modification is not completed ''. I asked if there is anything they want from me. She said " Everything still stands and no action needed from you. The statement and amount due will update after the the loan modification is completed. '' ( XXXX ) In late XXXX, XXXX XXXX sent me an other loan modification with even higher amount. By now it is very confusing since they seemed to resolved the issue.
( XXXX ) In XXXX, XXXX I called them and asked for a Supervisor. A supervisor named XXXX spoke to me. I explained the what is gong on and he said he has to " research '' and get back to me. He called me after 5 days and said he is working on this with other departments. I explicitly asked him if my home in danger of foreclosure due tot the back and forth. I told him I will sign the papers even with bad terms. He said " I will take care of this. This is nothing to worry about. ". He has never called me since then and even I have called multiple times to get to him, no one was able to connect him on the line.
( XXXX ) I have called 5/3 one or twice every week since XXXX, XXXX. Every rep says " they is {$40000.00} due on you loan. Can you make the payment today? '' I tell them I am making monthly payment based on the XX/XX/XXXX signed loan modification. But they don't seem to see that modification and keep on telling me I behind in my payment. I ask them to speak to a manager to help but the manager lines either don't connect or the 3 times I was able to speak to a manageXXXX they all promised to research this " complex '' loan and call me back. They have never called me back.
( XXXX ) On XX/XX/XXXX I contacted XXXX and explained my situations again. They promised to investigate and get back in 15 days.
( XXXX ) On XX/XX/XXXX I called 5/3 to check my loan staus. In a SHOCK OF MY LIFE, the rep told me my HOME is going to be FORECLOSED and there is a XX/XX/XXXX sale date on it. With great pain, I just asked if an other supervisor can call me. The rep agreed and also promised to send me an other document to help me stop the foreclosure.
( XXXX ) On XX/XX/XXXX a supervisor named XXXX XXXXalled and basically told me I am at fault for everything. I calmly told her I have singed 40 year loan XXXX XXXX at hand and offered to email her a copy. She refused saying the case is now handled by a different department. She still couldn't figure out what happened pend to all the money I paid every month since XXXX, XXXX. She promised to call me Monday XX/XX/XXXX. She told me to call back if she isn't reaching out.
( XXXX ) I am currently sleepless in the cold winter having my family 's dream shattered in front of my eyes. I have not received any document or even verbal communication indicating my home is at risk of foreclosure until 2 days ago. I have been through unnecessary personal burden as a result of XXXX 's mishandling of my mortgages.
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| 03/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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In XXXX, my wife and I were renting a home and at that time I was using XXXXXXXX XXXX for my banking needs. In XX/XX/XXXX we purchased a new home and we opened up a joint account with XXXX XXXX ( we obtained our mortgage through XXXX ). I closed my XXXX Checking and Savings Account and transferred all funds to my XXXX Bank account. I had a XXXX Credit Card, but I cut it up. I didn't want to close my account because it was one of, if not the, oldest of my credit lines ( which I thought at that time, would hurt my credit score if I closed ).
So we moved in XX/XX/XXXX. I didn't think to notify XXXX XXXX of my address change since I closed my account.
Around late fall XXXX, my mother started getting calls from XXXX XXXX asking for me ( at this point, I hadn't lived with my mother since XXXX ). She ultimately thought they were spam. She finally gives XXXX my cell phone number and then I started getting collection calls. The calls came through on my cell phone as " Suspected Spam, '' so I was extremely hesitant to give anyone my information. I kept getting asked for an account number, but I no longer had one ( and at this point I had no idea why they were calling ). They had on file my last known address ( where I lived prior to my XX/XX/XXXX move ). I assured them that I no longer lived at that address and I didn't have any XXXX accounts ( on the phone I was referring to checking/savings accounts, I didn't think about credit cards, which I learned I still had an open account ).
After MANY calls, I finally learned that a " convenience check '' was cashed on XX/XX/XXXX in the amount of {$63.00} to XXXX XXXX for cutting grass. I told the person on the phone that wasn't me. I didn't know an XXXX XXXX and I cut my own grass. Plus, there had been NO ACTIVITY on that account for at least 3 years if not longer. I assured them it wasn't me.
I then began the painstaking process of disputing the claim. I was given the end around a number of times. I apparently opened up two fraud claims ( one for disputing that I actually opened up the credit card, the other for this convenience check ). So that pushed back when the current fraud dispute was opened XXXX XX/XX/XXXX XXXX. Notably, XXXX XXXX sent me a letter stating they had incontrovertible proof that I opened the credit card account and was denying my claims it was opened up fraudulently ( I never told them I didn't open the account, I was specifically asked if I REMEMBER opening the account and I said no. I don't have a specific memory of opening the account ).
In the meantime, I found a house for purchase with my wife and two children. I went through the loan process and found out that my credit score ( normally 790-800+ ) was now XXXX because of an overdue account : the XXXX XXXX Credit Card XXXX Knowing that this fraudulent activity was affecting my ability to obtain a favorable interest rate on the loan that I would have otherwise obtained, I began calling XXXX XXXX regularly to check up on the status of this claim.
I was told in late XXXX that XXXX XXXX HAD DETERMINED that the signature ON the convenience check DID NOT match my signature that they have on file. To me this all but confirmed that someone fraudulently signed my name. Assuming that the person who fraudulently signed this check stole it from the mail at my OLD residence, I called my landlord and was told that XXXX XXXX was likely the boyfriend of the woman who currently resides at that location.
I was also told by XXXX XXXX that the investigation would take NO LONGER THAN 30 DAYS. I called back today on XX/XX/XXXX and they said it will take 30-90 days. I asked who was working on the case and what is being done and all she could tell me was that " they were working on my case '' and that the last reported activity was XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX to talk to a supervisor to explain how this fraudulent activity has affected my life and asked for them to speed up the investigation so they could begin the next LONG process of removing this activity from my credit report. In effect, nothing has been done since I was told XXXX XXXX determined it was NOT my signature on the convenience check.
I realize that they are within the time frame allowed by law for them to conduct their investigation. What I am upset about is that they have already determined, at least 2 weeks ago, it wasn't me who signed this check. SO why haven't they closed the investigation and began taking corrective action? Even though someone has a set number of days ( 90 ) to complete an investigation, why must they wait the entire 90 days when they already know the results of the investigation??
What makes me most upset is why this fraud even happened. XXXX sent convenience checks to a house that I had not lived at in 3 years, on an account that has not been used in AT LEAST 3 years ( literally, no activity ). And even worse, they were able to determine after the fact, it wasn't my signature. Why in the heck didn't they make that determination at the time the person cashed this check? They certainly demonstrated they have the ability.
XXXX XXXX irresponsibly mails out convenience checks that are anything but convenient. This has ruined my credit score and IS CURRENTLY HAVING an adverse affect on my ability to buy a home. My interest rate is 2 % points higher. Not only that, I'm getting a bridge loan to buy the new home while we sell our current. I was hoping to minimize my monetary damages by getting this fraud issue taken care of before we perform our permanent financing, but that is unlikely to happen. That means that we will have to close on bridge loan with high interest rate, close on permanent financing at high interest rate, and then re-finance when my credit score is corrected and incur more costs. This is a huge financial burden.
XXXX should not get away with this behavior. It made a choice to send a courtesy check to an old address, on an account that hadn't been used in years and allowed it to be cashed without taking a second look. Now I'm paying for those consequences.
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| 12/14/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear Sir or Madam, XXXX. 5/3 BANK NA Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with 5/3 BANK and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, XXXX. 5/3 BANK NA Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX as well as 60 days late on XX/XX/XXXX, XX/XX/XXXX, Also 90 Days late on XX/XX/XXXX.
I immediately disputed this information with 5/3 BANK NA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. 5/3 BANK NA Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXXXXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with 5/3 BANK NA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 05/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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The situation begins in XXXX of 2020 when my previous business credit card XXXX was fraudulently used. I contacted 5/3rd and that situation was resolved, the charges reversed, and the card canceled and replaced.
When that card was replaced, the new one was never added to my online banking, and the old card was never removed from online banking.
I was signed up for electronic billing only so I was neither receiving paper statements, nor electronic statements due to the banks error.
Compounding the problem, I had an errant indicator that I owed no money in the old card still being present showing its {$0.00} balance.
In the period where the credit card was out of commission as it was being replaced I switched my spending over to the debit card and never switched back. It seems I used the new credit card a few times but when I did so I expected to be later billed for that and the bill never came, so the bill was never paid.
I continued regularly using the online banking, always seeing that my credit card balance was {$0.00} and so thought I had no CC bill to pay. It turns out that balance was for the previous credit card that was no longer in use. I thought that was for the current credit card, because it was there and nothing else was. Having only one credit card I do not call it card XXXX I call it, " the credit card '' On XX/XX/XXXX at XXXX I got a collection call from someone who I now understand to be a legitimate representative of the bank but did not at the time. My caller ID showed the name of Fifth Third Bank, but also showed the call as a moderate spam risk. As a business owner with a publicly available phone number I receive more scam calls than real ones by a factor of 10. I am well aware number spoofing is a thing. When someone called and said I owe {$800.00} some dollars I was skeptical because I was just in my online banking and there was no balance shown.
I then called the local 5/3rd branch immediately after at XXXX. When I called I said " I received a collection call but my online banking shows a {$0.00} balance, can you confirm for me if I do owe money or if this is a scam call. '' I remember leaving this call a bit confused but at the end of the call I was told something other than yes you do owe money on a credit card. If I had been told that by someone I knew for sure to be from the bank I would have paid it then gladly as I always have. Like I did on XX/XX/XXXX when the situation was finally cleared up. I had the money then, what possible reason would I have for allowing the fees to accumulate?
Perhaps the teller was likewise fooled by the red herring of the old credit card still being listed. Maybe they took my word for it what was on my online banking and never actually opened my accounts to look for themselves. I don't know what they thought, I can not demonstrate what they thought, but I can show that the call was a direct response to the collections call, and that the situation was not cleared up by the call to the branch.
The only correct response was " Yes you do have a debt, I am sorry your CC was never connected to your online banking, I will correct that for you ''. And that did not happen.
One line I do remember is nearly word for word is " If your online banking doesn't show any charges, it is probably a scam. '' So I was not strictly told, " you don't owe money, '' but I was never told on asking, " You do owe money " either.
I feel this call to the branch was me doing my due diligence on this. At that point I should have gotten clarity on the situation from a 5/3rd employee.
I continued to get collections calls. I told them I didn't believe them, that my local bank couldn't confirm what they were saying and that I would believe a representative from my local branch, apparently that was too much to ask though so I never got a call from the local branch explaining the situation.
I feel this constitutes a third mistake. I had made it very clear to collections that I did not believe them and that I could not confirm what they were saying with anyone I trusted. I asked them to provide proof of debt, they took no further efforts to do so. Perhaps they believe that the statements I was supposed to be receiving were proof enough, except that I was not receiving any statements.
On Friday the XXXX of XXXX I got the most recent collection call and again called the local branch to try and figure out what was going on. That call started out with a lot of confusion too, but eventually they were able to figure out and explain to me that I had a credit card that was not shown in online banking, and that the previous credit card was still showing on the account and confounding the situation. The teller was then able to connect the new card to my online banking, where I could then see my statements for the first time.
When I was finally able to confirm that this debt was legitimate with someone I knew to be from the bank, something I tried to do months ago, I paid it the same day. Had I been able to have the phone call I had on the XXXX much earlier, we would not be in the situation with these late fees accumulating without statements.
I tried to have that phone call earlier but was not given a clear, useful answer.
I feel that without notification of these charges beyond collection calls that could have been coming from anybody, and with me asking if the collections calls were legitimate and not getting a clear answer, the charges should not be legitimate.
Everything above was passed on to 5/3rd bank and they held that since there was no evidence of me calling the bank to clarify the charges could not be reversed. I provided my own call logs but they then said that because I did not have a recording of the call they could not confirm that I had asked about the debt. I hold that the proof of this is in the call to the branch being in response to and immediately after the first collections call.
|
| 07/07/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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I am a long time Fifth Third Bank customer since XXXX living in XXXX, OH. Someone impersonating me walked into a Fifth Third branch in XXXX, MI on XX/XX/XXXX and opened a joint checking account in my name. I had gotten a phone call from a Michigan number at approx XXXX XXXX that day from a nameless female saying they were from Fifth Third, asking me if I had left something earlier at the branch that day. When I replied " no '', she hurriedly got off the phone, telling me that she had to check something out and would call me back within a few minutes.
Because she never gave me her name I immediately started to investigate online about the phone number and I also looked at my account online with Fifth Third. I saw that there was a {$25000.00} hold on my savings account. I contacted the Customer Service line and asked if any of their employees was associated with this phone number. They gave me a name, and upon further urging from me, told me that this person was at the XXXX XXXX branch, which is where I happen to bank in XXXX. I immediately got in my car ( before the branch closed at XXXX. ) and went to ask for her at the teller line- she did not work there. I told them about the phone call and was assisted by a personal banker there, who contacted the fraud department and informed me that someone impersonating me with all my information and a copy of my driver 's license opened up the account with another male. Upon examination of my online statement, the male had opened up an account earlier on XX/XX/XXXX, with XXXX cents online, and later the same day deposited {$10.00} into this checking account. On XX/XX/XXXX, the {$25000.00} from my savings account was transferred over into this checking account. ( The female impersonating me was supposedly the aunt of the male. ) He was needing the money for a " land contract '' and wrote a check off the account for {$16000.00} from the XXXX branch. He returned later stating the the person would not accept a check and required cash. Someone gave him the cash from the branch. He then went into another branch and wrote another check for {$8000.00}, which was also cashed. It was there that they noticed my XXXX connection and suspected something suspicious and the branch manager put the hold on the account.
I have not applied for any credit in the past XXXX years since I bought a house. I have all my money in Fifth Third. Anyone looking at my history should have seen that this activity was unusual. Besides that, when I was buying my house, I could not even access my own money without waiting over 3 days, causing my closing to be pushed back. I have never heard of writing a large check and getting it cashed from a checking account newly opened the same day of the deposit. I am furious with how Fifth Third has handled this. To top it all off, they never gave me any indication of this activity that day ; had I not looked online at the account, I would not have known to call them on this. I had to go into the branch to place freezes and holds on the accounts I have with them, but they never offered to close any of my accounts or cancel my cards and issue new ones! As a result, a week later on XX/XX/XXXX, I had an unauthorized charge on my debit card ( checking ) account at a restaurant in XXXX, MI for over {$64.00} online. I called Customer service and the same day it posted asked them to immediately cancel the card and issue a new one. This did not happen, and the very next day I was charged again at two other restaurants in XXXX for over {$30.00} each! In hindsight, my bankcards should have been closed and re-issued the same day the original theft was reported.
I was told that Fifth Third 's Financial Crimes Investigator was conducting an investigation in Michigan and that they believed this was a part of a " ring '' of thefts in the area. The male involved was supposedly arrested, but the last time I talked with the investigator the female was still at large.
Fifth Third 's solution? I had to take off work to come in and get Identity Fraud alert protection on my accounts. This was a big hassle, as I had put freezes on my 3 credit bureau accounts, and had to unfreeze them for the alert protection- took 3 days to get this done because my personal banker 's schedule and my schedule would not jibe. They offered me this protection free for the first year. Then the banker talked me into opening up a new credit card while I had the freezes lifted off of the credit bureau! All of this while never closing the original debit card and issuing a new one- leading to the 3 new breaches on my checking account.
They never informed me of the original $ XXXX hold on my account, never immediately closed any of my accounts to avoid further unauthorized charges, and I have not been kept in the loop to know whether these unauthorized transactions on both my savings and checking accounts are related, all occurring in the XXXX suburban area. In the meantime, I have filed police reports, changed all my pins and passwords on my accounts, shopped for new banks and credit unions ( all the while unfreezing and re-freezing my credit bureau accounts ), have to inform all my debtors that I pay online of the theft and issue new payment info, had my money on hold and unavailable to me, checked my accounts throughout the day and night to check for further suspicious activity, monitor emails for new phishing scams, ( and yes, they followed ), change my payroll deposit information when I get a new account, consult a lawyer, sent a complaint to the State of Michigan 's Attorney General, file an Identity Theft Affidavit with the IRS, called the Federal Reserve, and file a complaint with you. This has taken countless hours of my days since this all began back on XX/XX/XXXX. My monies have been returned to my account, but the banking relationship is irretrievably broken and I am at the point where I may purchase a safe to hide my money in.
|
| 06/03/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Greetings, I had multiple bank accounts with MB Financial. In early XXXX, Fifth Third Bank converted all MB Financial accounts to Fifth Third Bank accounts. Since that time, I have used the online bill pay system to schedule payments for things such as utilities and credit cards.
3 payments were made to credit card companies and funds were withdrawn as expected. Then, the same payments were sent a second time to the credit card companies, effectively double paying the credit card bills.
I understant there may have been problems with converting from one bank 's systems to another bank 's systems. The problem is that I have spent about 8 hours trying to get customer support and the systems are terrible. I do not know if these double payments will be reversed or not. I do not even know if Fifth Third Bank is trying to get the funds back. Let me provide you with some details.
On XX/XX/2019 {$380.00} was paid to a credit card company On XX/XX/2019 another {$380.00} was paid to the same credit card company On XX/XX/2019 {$5400.00} was paid to a credit card company On XX/XX/2019 another {$5400.00} was paid to the credit card company On XX/XX/2019 {$8800.00} was paid to a credit card company On XX/XX/2019 another {$8800.00} was paid to the credit card company On XX/XX/XXXX I contacted Fifth Third customer support to report that one bill had been paid twice. I was told they would investigate. On XX/XX/XXXX I realized that the problem had happened again and contacted customer support. On XX/XX/XXXX, I could see the problem a third time with a double payment " pending. '' I drove to my local bank branch where the local folks did an online chat and were told the problem would be escalated.
The local folks saw the same thing that I did. On the bill payment screens, the bill is only scheduled to be paid once. On the account balance screens, the bill is shown as paid twice and the funds withdrawn from the account twice. I did check whith the credit card companies, and yes, the credit card accounts received double payments ( the total amount due two times ).
On about XX/XX/XXXX, I received a call from someone with a name starting with XXXX who told me that they would resolve the matter and get my money back.
On XX/XX/XXXX, I called for additional information. Here 's how that process went.
I called and spoke to XXXX. After 19 minutes XXXX told me she could not help and transfered me to XXXX. XXXX wanted to help me to log onto my account, which wasn't a problem. XXXX then spent additional time before trying to transfer me and my call was dropped.
If a call is dropped, these customer support people are not able to call customers back. They explained they have no outbound calling ability. So I had to call back in and start all over again.
I called and spoke to XXXX for 43 minutes before she decided she could not help and she transferred me to XXXX. XXXX told me that XXXX had closed out the case. Let me remind you that XXXX had called me to say that the problem would be addressed and my money returned. According to XXXX, when XXXX closed the case, she made the note that " it's not a bank problem '' and there was no effort to get the money from the extra payments back from the credit card companies. I asked XXXX, how XXXX could tell me Fifth Third would get the money back, but then she closed the case with no intention to get the money back and no one updated me to tell me this. XXXX told me that XXXX is very busy.
Let me repeat that. XXXX called and said my money would be returned. XXXX closed the case and the money was not going to be returned. XXXX did not tell me of this change in plans because XXXX was very busy.
XXXX told me that this would be investigated and someone would get back to me. This process took about 105 minutes.
On XX/XX/2019 I called and immediately asked for this matter to be escalated to a manager or supervisor. I then spoke to XXXX. XXXX explained that the ticket was never closed and something needed to be done and I would be notified one it's resolved.
On XX/XX/2019 I received a call from XXXX from the Office of the President of Fifth Third Bank. XXXX said she'd work on this and get back to me, probably by XX/XX/XXXX or XX/XX/XXXX. I did not hear from XXXX, so called her twice on XX/XX/XXXX with no answer and no return of my phone call. XXXX XXXX answering machine gave another phone number as a back up. I called that back up phone number and was told that during the last week two things had been done.
1 - XXXX called XXXX and asked for an update. XXXX did not respond.
2 - XXXX called XXXX again asking for an update. XXXX did not respond.
So here we are. I have spent hours and hours of time trying to understand.
1 - Will these duplicate transactions be reversed and money returned to my accounts 2 - If I pay these credit card bills using the online system in the future, will the payments be made once or twice.
I called XXXX again today and left a message. Still no answer.
It's been 17 days since I first contacted Fifth Third Bank.
Payments totaling {$14000.00} have been sent twice rather than once and I don't know if those funds will be returned or not.
I now have new credit card bills to pay. If those duplicate payments will not be returned to my bank accounts, I have a credit ( nothing due ) on the credit cards. If those duplicate payments are being reversed, I need to pay my credit card bills. If I use the online bill pay system, I don't know if the payments will be sent once or twice.
I do not know what the plan is. I do not know if anyone is working on this.
I have spent hours and hours of time trying to resolve the matter.
I the names and employee numbers for the people I spoke to if that is helpful to anyone, however, this seems to be a system error. There should be a way to speak to someone who knows about the case rather than starting from square one each time.
Thank you.
|
| 07/28/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
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On Friday XX/XX/XXXX I went to the Fifth Third Bank location at XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX and completed a HELOC application with XXXX XXXX. The loan process was unusually slow as I didn't get assigned a loan specialist until XX/XX/XXXX. My loan specialist name was XXXX XXXX the initial correspondence between myself and XXXX XXXX came on XX/XX/XXXX with him requesting that I provide him with XXXX 's from both of my businesses for years XX/XX/XXXX and XX/XX/XXXX also the mortgage payment from my investment property. I provided both documents the following day XX/XX/XXXX. Shortly afterwards I received an email from XXXX XXXX saying that he had finally submitted my application to underwriting two weeks after completing it inside Fifth Third Bank on XX/XX/XXXX.
I didn't hear anything from Fifth Third Bank or my Loan Specialist for an entire month so on XX/XX/XXXX I sent an email to XXXX XXXX which I CC 'd XXXX XXXX asking her if she heard anything about my loan. She replied the following day saying that she had received an appraisal for my home and that it was currently being reviewed by the underwriter. Red flags immediately went up because when I placed my application with Mrs. XXXX she requested that a full appraisal be done because of the extensive renovations and upgrades that had been done on my home within the last five years. Up until that point no appraiser had been inside my home so I was skeptical and confused when I was told the full appraisal had been completed and that now it's in underwriting.
On XX/XX/XXXX I received an email from XXXX XXXX saying that I had a lien on my home for {$42000.00} and that unless I showed proof the lien has been paid in full they would have to use the HELOC to pay off this lien at closing. Furthermore he said he would need to hear from my by XX/XX/XXXX or I will be turned down for the loan. I was initially surprised by two things the first being that I had a closing date and the second being I had a {$42000.00} lien on my home. I immediately contacted the lien holder to get further clarification they provided me with a payoff amount of {$5300.00} which I personally hand carried to the Fifth Third Bank location on XX/XX/XXXX where I submitted my loan. The gentleman made copies and uploaded the document to my file.
I didn't hear a peep from anyone for another three weeks so on XX/XX/XXXX I sent an email to Mrs. XXXX requesting to know the status of my loan. She replied that the appraised value came back at {$350000.00} she also informed me that she had let upper management know that a full appraisal was not completed by the initial appraiser and that she had requested a full appraisal when she submitted my loan application. On XX/XX/XXXX Mrs. XXXX asked if I can send over three pictures of substantial upgrades performed in my home. I provided her with a picture of my kitchen which cost approximately {$42000.00} to remodel my kitchen with custom floor to ceiling cabinets, island and granite countertops as well as brand new appliances. The second picture was a picture of my solid oak and wrought iron custom staircase which match the stain on my custom cabinets. The last picture I sent her was a picture of my bathroom completely remodeled with marble shower from floor to ceiling as well as a 7ft glass shower, custom mirrors, marble counter tops as well as custom cabinets.
On XX/XX/XXXX I received a phone call from a appraiser who told me that he hired by Fifth Third Bank to come inside my home to document upgrades inside and outside of my home that were not there when I initially purchased the home. We set a date of XX/XX/XXXX as a good day for him to document my upgrades. He documented a upgraded in ground spa, 1,000 square foot screened patio with brick pavers, custom staircase, totally remodeled kitchen, totally remodeled master bathroom, totally remodeled half bathroom, totally remodeled upstairs bathroom as well as an ADDITIONAL fifth bedroom which was also added. After documenting all of the upgrades I received an email from Mrs. XXXX saying that unfortunately the additional bedroom as well as the numerous other upgrades didn't add any value to my home so the initial appraised value of {$350000.00} will not change.
I was in shock and disbelief I immediately drove to the Fifth Third Bank location to view the second appraisal. Before I turned over the first the page I noticed that the square footage and the bedrooms of my home are incorrect. They had my home listed as a four bedroom two and one half bath with only 2,601 square feet. When my home is actually a 5 bedroom two and one half bath with 2,844 square feet. Mrs XXXX said she let management know that she didn't have much faith in the second appraiser seeing that he didn't even have the correct amount of bedrooms or square footage. Management told her the correct square footage and bedroom count still wouldn't change the appraised value. I was at a loss for words especially when I found out that the appraiser used two homes with the lowest sales prices in my neighborhood compared to the two homes with the highest sales price in my neighborhood.
Even though the way my home appraisal was conducted was a travesty. Not to mention Fifth Third Bank would not add value to my initial appraisal after documenting extensive upgrades and remodeling done on my home. The payoff on my home is only {$290000.00} which means I still have {$65000.00} in equity using the low ball appraisal of {$350000.00} that was provided. Can you believe I was still denied the HELOC with the reason stated " Value or type of collateral not sufficient '' for not being approved for the loan. Isn't the entire premise of a HELOC is for the home being collateral? How is {$65000.00} in equity not enough for you to offer me absolutely zero line of credit with an XXXX credit score.
My opinion is that my case is the poster child for discrimination!!!
|
| 07/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Older American |
|
PERTAINS TO THE LOSS DRAFT DEPARTMENT!
NOTES FROM XX/XX/XXXX ACTIONS REQUESTED/REQUIRED : ( 1 ) If necessary, reopen this claim as it never should have been closed.
a. First repair authorized by XXXX XXXX resulted in a horizontal zebra strip sided house that your first inspector approved ( XX/XX/XXXX ) but that I found unacceptable and continued fighting with XXXX.
b. You were informed of this via multiple conversations at the time.
XXXX XXXX acceded to my demands finally and agreed to redo the entire side/elevation. That amended settlement notice dated XX/XX/XXXX was sent XXXX XXXX Mail ( signature required ) and was delivered along with the pending check of {$10000.00} to you on XX/XX/XXXX.
d. As neither XXXX XXXX nor I have received any proceeds from this check, it is still being held by Fifth Third.
( 2 ) Attached is the newest XXXX Notice dated XX/XX/XXXX from XXXX XXXX.
a. I called Fifth Third ( XXXX ) on XX/XX/XXXX XXXX AM CT and spoke to XXXX ( spelling? ). She was going to investigate the status of the missing funds and call me back NO ONE EVER CALLED!
b. Since an inspection was done by Fifth Third on the original repair which I found unacceptable but which your inspector passed, I am assuming that a re-inspection will NOT be necessary.
( 3 ) Please expedite the release of the {$10000.00} that you have been holding since XXXX.
NOTES FROM XX/XX/XXXX Number Dialed : XXXX ( 1 ) ( 3 ) Claim : XXXX Employee : XXXX Discussion Notes : - I repeatedly asked for a supervisor but never got XXXX.
- I related the information contained In the XX/XX/XXXX fax cover sheet and supporting attachments.
- XXXX said that his notes were showing 2 claim amounts : $ XXXX and $ XXXX - I explained they were the same claim as their inspector approved the first repair even though one side of the house had a major horizontal zebra stripe that I did not approve and that I went back to the insurance company and fought to have the whole side repaired AGAIN - XXXX XXXX issued a check dated XX/XX/XXXX for {$10000.00} that was made out to Fifth Third and XXXX XXXX o XX/XX/XXXX : check mailed via XXXX XXXX # XXXX o delivered to XXXX XXXX XXXX XXXX, Fifth Third Bank, XXXX XXXX XXXX XXXX MD XXXX, XXXX, OH XXXX o email notification sent to XXXX o delivered Thursday XXXX XXXX XXXX XXXX OH XXXX o signed for by XXXX XXXX - XXXX noted that check was deposited on XX/XX/XXXX - XXXX started telling me that it was dispersed in XXXX when I interrupted him to repeat that XXXX ( spelling? ) had told me that when I spoke with her on XXXX when I asked for a copy of the check ( front and back ) so that we could see endorsements of these checks that were theoretically mailed to XXXX XXXX ( who never received ) and me ( who never received ) ; I was told they couldnt get that for me - XXXX said that there were no notes in his system since XXXX o I told him that there had to be notes because he had knowledge that would not be available to him had they not received the communications from XXXX XXXX and me since XXXX - namely : The final invoice amount of $ XXXX was NOT generated until XXXX so if there were no notes that amount would not be known o I also told him that Fifth Third had lied to me so many times that I didnt believe then any longer - Demanded {$10000.00} be sent via XXXX today o XXXX said they couldnt send an XXXX which I find strange as they are a bank and they receive my mortgage payment via XXXX o Told XXXX I expected a hard check be overnighted to me o XXXX said they would send overnight after they received a prepaid shipping label from me NOT!
o Told him they were sending overnight AT THEIR COST for the following reasons : it was their internal process issue that this had NOT been addressed in over 3 weeks read him XXXX note from the fax about interest on the entire amount being owed o XXXX said they couldnt send today as they first had to do a stop payment before re-issuing I told them that I would give them to end of day Friday XXXX XX/XX/XXXX ) to overnight the check XXXX confirmed mailing address as XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Reminded him that it was the same as the property on which they held the mortgage XXXX confirmed address was the same Also told them that standard bank processes are to do a trace or stop payment on uncashed checks after 90 or perhaps 180 days and that it was NOT my issue that it was now over 7 months since the checks had supposedly been mailed Reminded him that their internal process issues were NOT my issues Reminded him that theoretically interest on the {$10000.00} had been accruing since last XX/XX/XXXX on {$7500.00} and since last XX/XX/XXXX on {$2800.00} [ These are the amounts and dates furnished to me by XXXX on XX/XX/XXXX. ] - After another hold, XXXX told me they would stop payment on previous checks and would overnight a new check to me AT THEIR COST with it arriving by end of day Friday XXXX XX/XX/XXXX ) : no mention of any interest being included o Reiterated to XXXX that I was at the end of my patience with Fifth Third and that I was expecting him to follow this process and to ensure that the check was in my hands by Friday as promised.
o Reiterated Fifth Third internal process issues/restrictions were NOT my issue but theirs.
o In return, I promised him that if the check was NOT received by Friday and if their lack of responsiveness resulted in any derogatory effects on my pending house sale that I would be contacting XXXX chat line to determine the appropriate escalation process. Additionally, I would be filing for interest and any penalty fees that might be due me.
- Its now a wait and see as to whether the overnighted check is received by end of day ( XXXX XXXX CDT ) on Friday XXXX XX/XX/XXXX ) NOTES FROM XXXX Email dated XX/XX/XXXX from Fifth Third stating " check is being processed '' which is in opposition to promises made by 53 representative on XX/XX/XXXX
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| 11/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Fifth Third Bank XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Re : Account # XXXX To whom it may concern : I am writing to you with regards to the above-mentioned account. As per the attached documents I am seeking your assistance in resolving these late payments that are being reported to the 3 credit bureaus. Prior to this horrific and tragic incident I was and have always been a great customer with on time payments and no blemishes on my credit report. In order to keep and maintain this excellent payment history I make sure that all my credit responsibilities are setup on automatic payments.
In XX/XX/XXXX, my world and credit came to a screeching halt due to theft of my checking account information, ( please see police report attached ) whereby fraudulent and phony checks were printed out with my checking account information and used to obtain funds from my bank account. Once I became aware of the matter I immediately went to XXXX XXXX and notified them of the situation. I also told them that I had automatic payments coming out of the account as well and didnt want them to bounce while they investigate the theft and open a new account for me. I was assured that any automatic payments that came in on my account would be honored and paid although that account was closed while I transition to the new account and get all my creditors setup for automatic payment with my new account.
In addition, I contacted your bank and explained the situation as well and was told that I had to wait for forms to be sent to me via USPS mail, and that they could not be sent to me via electronic means. I was also told that you would still continue to automatically debit my account for the mortgage payments so that they would be no lapse in payments while I await the new enrollment forms for autopay to be received and filled out with my new banking information. I should have known something was not right as I was immediately sent to the collections Dept of your bank whom said they understood my situation and promised to work with me and not charge me any late fees or tarnish my perfect credit. So, from XX/XX/XXXX to XX/XX/XXXX, Ive tried to setup my autopay with your bank to no satisfaction, it was always not received. In the meantime, you have continued to direct debit my bank account for my monthly mortgage payments without lack of consistency of dates and payment amounts.
One XX/XX/XXXX, my account was debited by your bank and then returned the same day which makes no sense as ( you will see attached ) there were plenty of funds in my account to cover the transaction ( please see bank statements attached ). One XX/XX/2020 another payment was debited and then again, another one on the XX/XX/2020 as well. XX/XX/XXXX, XX/XX/2020 more payments were removed and as I mentioned previously no consistency. I called to discuss this issue as XXXX XXXX had no explanations as to why the payments were random and inconsistent. The XX/XX/XXXX which Im assuming should have been the next debit did not occur. I called and was told that I had an extra payment posted so no payment was due at the time, hence the lack of debit in XXXX, during the call I was told that they had finally receive my auto pay documents and that it should be reinstated for my XX/XX/XXXX premiums. Yet with me being told that I had no payment due in XXXX I am being reported to the XXXX bureaus as being 30 days late.
In XX/XX/XXXX, I made a phone payment, with the payment deducted on XXXX, then another automatic debit was removed on XX/XX/XXXX, plus your collections department setup another payment on XX/XX/XXXX, which my bank flagged as fraud and did stop that one. So, with all these debits being removed from my account I am still being reported as delinquent when I have done my best to make a bad situation palatable. This has caused an extreme hardship on my life and credit.
So, in conclusion I just had another call this afternoon with your service representative and confirmed that I was indeed setup multiple times with BillPay and it was closed with no lead time of notice to allow me the opportunity to reinvestigate why this was continuously happening, also with no explanation of why the bill pays were being cancelled. In XXXX, payments were deducted from both accounts although I contacted you about my theft situation and provided the banking information for the new account, this happened again in XXXX and again a couple of times after this. So, let this letter show that I am not at fault here and I took the correct steps to remedy this situation and rectify it without my life and credit taking a severe hit as it has. I am aware that human errors occur but as a huge establishment I think your priority should be customer service and support rather than ruining ones lives to your benefit. I have documented and chronicled the whole situation as you will see attached. My concern is that no one in your establishment can ever provide me the reasons why this has happened or why my auto bill payments were cancelled several times and then multiple payments taken out automatically then stopped and then no communication stating that had occurred.
As you will see attached XXXX XXXX has included a letter of explanation as well so that we can get this situation resolved amicably. I have been an excellent customer and would hate to have a ruin relationship and move to another lender due to a mishap.
I cherish my relationships with my creditors and I cherish my perfect credit score even more. It takes hard work and diligence to maintain a perfect score. My request is for you to review my file and update the late ( s ) that are being reported on my accounts as well as to the bureaus. I feel that I was setup to fail and that I was sabotaged deliberately or nondeliberate.
I look forward to your positive reply and moving forward with our creditor/debtor relationship.
Regards
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| 08/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We received an annual escrow account statement in the mail. I opened it to find out that my mortgage was going to increase {$520.00} per month if I did not pay my bank {$3500.00} that they said I owed to my escrow account. If I paid the {$3500.00} then it would still increase by {$220.00} per month. I immediately thought that this was an error so I contacted my mortgage advisor to discuss the situation. After reviewing with him and with my wife who used to work in an accounting firm, we found the cause of the problem. There were actually 2 problems. One was that the bank had projected us to have two hazard insurance payments next year. The other was that we were projected to pay tax to a town that we did not live in. Some how when projecting our tax payments someone inputted our tax payments as being owed to the town of XXXX, MA. I live in XXXX, MA and do not owe taxes to the town of XXXX. Even the projected amounts have shown to not be paid. The problem here lies in the fact that I have paid the town of XXXX their 4 quarterly tax payments throughout XXXX and XXXX for the year in question, but we had one payment projected to the town of XXXX in XX/XX/2018. This is where we have an issue. The bank is not only projecting that we will owe 5 quarterly payments next year, but they also are deducting {$1200.00} from escrow account based on a projected payment to a town that I don't live in. This statement was created and in early XXXX and they used projected amounts to deduct from our escrow balance as well as project future escrow payments. So now we are being deducted an extra {$1200.00} from city tax to a town that we do not live in, being projected to pay an extra quarterly tax payment next year ( that would be 5 quarterly tax payments ), and being projected to make an extra hazard insurance payment next year. After calling multiple people in many different departments who could not see all of my information in front of them at one time, I was finally forwarded to XXXX. She is a supervisor in the mortgage department at my bank. She took very detailed notes because, she too, could not have access to all of my information. She was planning to take this information to review to have my escrow adjusted to reflect the correct deductions and payments. She repeated everything back to me and it sounded like she understood what I was saying. I have no doubt that XXXX understood what the complaint was and what needed to be done to rectify the situation. I received a statement in the mail in the meantime that reflected our new payment of {$3100.00}. On this statement at this time on XX/XX/XXXX my Account Information reflected that we had an escrow balance of - {$150.00} ( that would be a negative balance ).
A couple of weeks passed and XXXX and I had played phone tag for a little bit before a man named XXXX contacted me. I was heading into a meeting with clients and asked him to just give me quick details of what was determined. He stated that our escrow account had been reviewed and they determined we were - {$1800.00} in our escrow account and if we did not pay that amount up front that our new payment would be {$2900.00} per month and if we paid it in full that our payment would be {$2700.00} per month. I told him that I had questions because the negative amount did not sound correct due to what we previously had discussed with other agents and what was reflected on our bill. He called me back today theXX/XX/XXXX and tried to review the statement with me. He gave me the link to see the new escrow statement and its projections. The town of XXXX is still on our current year statement as a projected tax payment for the amount of {$1200.00}. It did not appear to be in next year 's projected payments, but is definitely being deducted from our escrow account to reflect that we owe more to our escrow account than should be. The extra hazard insurance payment had been removed, but the town of XXXX was still in my statement. I tried to convey this to XXXX, but he continued to interrupt me and talk over me to try and close this issue. He told me that the town of XXXX was not being taken into consideration even though it was reflected on the legal account spreadsheet that was made available to me through the website. I tried to run through the math with him, just on the spreadsheet that was provided for this year 's escrow statement. He continued to jump around and try to say that payments that we made into escrow for the month of XXXX couldn't be taken into consideration because another payment came out first. The conversation became heated and I asked to be transferred to his supervisor. He said that he is the supervisor. I asked him to transfer me to his boss, at which point he stated that he is the boss. There was a lot of confusion going on at that point which I did not take personal, but when he told me that there was no one to transfer me to cause he was the top person there, I knew that he was going to be an issue. At this point I asked him to transfer me to his boss, that I know he has a boss, or I would be taking this complaint to the Consumer Protection Financial Bureau. I have been on numerous phone calls with numerous people, making sure that my previous insurance was cancelled, making sure that my address was logged correctly, and verifying my address information with multiple people. I have jumped through all of the hoops that they asked me to jump through, and spent valuable time out of my day and away from work to get this situation cleared up. I had no problem with dealing with the bank until I was sarcastically told that there was no one higher than XXXX. I just need this town tax issue cleared up and I think that my problem will be corrected. I will attach all documentation that I have from the older escrow statement, my last mortgage statement, and my revised escrow statement.
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| 06/29/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
Servicemember |
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I had taken my truck to a mechanic called XXXX in XXXX XX/XX/XXXX, they were suppose to do a rebuilt head gasket to my vehicle for {$1500.00} which I paid by credit card.
The moment I picked up the truck it was still smoking white smoke which means theres still some coolant in the oil pan, when I drive back to the mechanic and complained, XXXX the owner told me to just let it run for a couple days to get the smoke to stop. Not True!! When he told me this, I couldnt believe when you paid to have a problem fixed and when you pick up your vehicle and the probe still exist, this was NOT fixed at all! Why I know this is because I took my truck to a Professional machine shop that works onbhead gaskets because they know how to mill a head gasket and work on head gasket many times. I took this to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Illinois XXXX XXXX on XX/XX/XXXX tonhave my truck inspected by the owner XXXX XXXX.
He clearly proved to me that XXXX never rebuilt my head gasket at all and explain and showed me proof, I was so mad after I felt this mechanic took me for a ride and scammed me for my money. After seeing many other XXXX reviews and listening to my wife about filing a dispute with Fifth Third bank for the amount of what I paid {$1500.00} for No rebuilding my. Head gasket at all. Now that I did this and I did get a letter from Fifth Third bank that the dispute investigation was approved and final, and then after a few weeks that went by and me not having any money but {$3.00} in my account, I finally worked a job and deposited a check for {$1100.00} on XX/XX/XXXX and then all of sudden Monday XX/XX/XXXX I was negative {$440.00} which they reversed the charges that fifth third bank finalized and approve that money they gave back to me, and when I called the bank to have them explain that to me, hey told me that the mechanic shop said they did the work on my car and I said they only said they worked on my car and thats all??? And Im like anyone can say anything kind of lie but when I sent in 3 copies of what proof I had with the machine shop inspector to fifth third bank, why would this bank just believe this mechanic shop when they were clearly proven wrong and then my own bank which Im the customer and not the mechanic shop and take and remove my money from my account, and then at first after I deposited that check for {$1100.00} they told me and sent me a letter stating that that check from my boss had insufficient funds which she did and that was lie. Which is kind of funny that ever since I only had {$3.00} in my account and when I finally did a deposit, isnt it funny now they are keeping my {$1100.00} from that check I deposited??? Kind of funny I think, which means they only took my money cause they decided that they werent going to lose any money for sure so lets take it from there customer XXXX XXXX account and at least we wont be short money and they XXXX me again. When this mechanic shop is the one that took my money and Fifth Third bank is letting them get away with my money. And when I talk to XXXX the executive assistant for the bank President, she tells me that the dispute Dept closed and finalized my account on XX/XX/XXXX and Im like why when thats the day your dispute Dept ask me for that proof again from the machine shop I took my truck to have inspected and it was faxed over that same day at Fifth Third bank in XXXX Illinois on XXXX XXXX and on Tuesday XX/XX/XXXX my banker at fifth third bank called dispute Dept to confirm they received my proof again and they did, so I ask XXXX to listen to the phone call on Monday XX/XX/XXXX when the lady in disputes ask me to send her that other part of the letter that showed the inspectors notes that shows this mechanic shop never worked on my truck and I said why would the dispute Dept close that account when I sent proof??? Something crooked is going on here and I believe Fifth third bank is doing me wrong and the trail of proof is there when they tell me one thing and then do something else to me. XXXX from fifth third bank explain to me today Friday XX/XX/XXXX that she will follow up on Monday XX/XX/XXXX about why they would close this account when I did what they wanted me to do. She called the dispute Dept and they did confirmed with her that I did send proof and faxed it over that Monday XX/XX/XXXX like I said I did. I told her I just want my money back on my account and give me what rightfully mine.
I dont want to be with this bank anymore because of all the run around they do to there customers. You dont treat a customer like the way they treated me and they treated me like a victim which Im a 3 time US XXXX war veteran that has been XXXX 9times in the 3 wars Ive been in and to be treated like this is a disgrace to me as a XXXX XXXX veteran recipient from President Obama. Fifth Third bank has to understand if a merchant has a complaint or feel they have a reason to ask for there money back, the customers bank should have to call or send an email or letter to the customer explaining what the merchant stated and have that merchant prove and show proper evidence that they did work on that vehicle and then Fifth Third bank has to explain to the customer that they will remove that money back, but what this bank does should be against the law by removing money from the customers account without proper notice to the customer of that bank. The customer is getting stabbed by there own bank and the mechanic shop is getting away with the customers money and this bank is stealing my money from my account and even after Fifth Third bank approved that money given back to me In the first place.
Im contacting my attorney to sue Fifth Third bank for removing money without proper notification to me as there customer after me sending them proof and then they closed my account the same day with telling me.
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| 10/10/2018 |
No |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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The 5/3rd Bank is not providing a service according to terms and conditions specified on the account.
Issues # 5 1 ) In XX/XX/XXXX the bank refused to accept the electronic fund transfer from the IRS ( tax refund ). As result IRS issued a check in the amount of over {$4000.00} to be deposited into the account. The 5/3rd branch refused to deposit the check stating its policy ( the check was issued to me and my wife and endorsed by both of us ). First the personnel at the branch agreed to show the policy to me upon my request however after stalling for about 15 min it refused to show it to me stating that the policy is internal. At the end the bank refused to deposit my IRS tax refund check despite having enough funds to cover it in case it didn't clear It appears the bank has two sets of policies ( which happen to be contradictory to what it says to its clients. There appears to be the double set of policies, one the bank shares with the public and the second one, internal, which allows it to often refuse any service. Subsequently the tax refund check was then deposited to a different bank account without any issues.
2 ) The bank doesn't maintain its property resulting to damage to the customer 's vehicle. In XX/XX/XXXX the XXXX IL branch had a large pot hole on its property which resulted in the tire and rim damage to my car. I have spent 3.5 hrs dealing with the issue for which the bank didn't even issue any apology. It forwarded the claim for damage to its insurer which was handled promptly and professionally. However the bank didn't feel to offer any compensation due to my lost time and the branch manager present told me that it is " not his responsibility, '' to deal with issues such as this.
As of today I received no answer from 5/3rd Corporate about why it allowed the deterioration of its property to the degree of causing damage to its customer 's vehicle or what are their policies dealing with issues such as this.
3 ) The week of XX/XX/XXXX I came to the XXXX XXXX XXXX branch in order to get a client 's document notarized. After waiting for over 10 min the service was not performed while the personal banker was busy discussing other client 's personal family financial situation. Among 5 other employees present at the branch nobody offered assistance and when I requested the branch manager XXXX XXXX to help conclude the manner ( unfortunately I was in a hurry due to my schedule that day ) I was admonished for not being professional for not knocking on the door to his office, ( the door was opened ). At the time I made a comment about a recent shooting in 5/3rd bank 's headquarters due to media reports that the shooter was the bank 's customer. My statement stated that the situation in the HQ and the current situation of not being offered any assistance reflects rather poorly on the 5/3rd corporate culture.
4 ) On XX/XX/XXXX I stopped on the way to the assignment at the XXXX County Clerk 's office to get client 's document notarized at the 5/3rd branch in XXXX, IL. The document was notarized however the notarization was rejected by the XXXX County Clerk 's office stating that the notarization is invalid and defective due to rules regarding notarization of documents in Illinois. I went back to the bank and discussed the matter with the notarizing officer who informed me that the way he was trained to notarize documents he did a right job ( apparently in IL there is a different standard of notarization for legal documents and signatures on them which the bank employee was not aware of ). When I brought the issue to the attention to the branch manager XXXX XXXX she refused to material assistance in resolving the matter stating that the document was notarized correctly. As result of the issue I had a 2.5 hrs delay in my assignment causing me a loss of income as my client also lost income due to the bank 's action. The document was correctly notarized elsewhere. ( Disclosure : I have a pending civil action against the bank for the loss of income due to bank 's botched notarization ).
5 ) On XX/XX/XXXX I was contacted by XXXX XXXX, a 5/3rd Corporate Investigator who accused me of de-facto making a threat of violence against employees at the 5/3rd branch and communicating to me a bank 's decision to terminate the banking relationship. Although I absolutely didn't make any threat against anybody in my life, especially of violent nature, I agreed with bank 's action as it is within its right to terminate the banking relationship. However I requested the funds to be sent back to me in form of the cashier check by courier mail with tracking due to the amount of the account ( over 17k ) and after the outstanding check {$16.00} clears.
However since yesterday ( XXXX and XX/XX/XXXX ) I am receiving a {$0.00} balance notifications from the bank which I believe is a form of harassment when the online account shows it is fully funded. After I called the customer service number and spoke with two representatives ( after a long hold totaling 20 min ) I was told that the bank doesn't know why I am getting the notifications and that the matter must be researched.
I have banked with banks on three continents however I have never came across the culture that is so contempt-filled and vicious to the point of retaliation against its own customers. It appears that the bank is run for the benefit of its employees and management and the customer service is simply an empty slogan. The amazing lack of professionalism and simple competency appears to reinforce the very stereotype of organization that is " too big to fail '' and its bailout was a grave mistake not only to the society but to competing banking institutions that provide society with professional, efficient and very much needed banking utility service.
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| 12/16/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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My wife called the branch closet to my home on XX/XX/XXXX and asked about doing an international wire transfer. The banker who answered the phone told her she would need the XXXX code and account number of the recipient and a state ID and scheduled her for a lunchtime appointment. My wife arrived at the bank and the Banker helped her right away. she gave him the information that was requested and he could not get the wire to initiate. He said he would need the recipient banks swift code, my wife called me and I immediately provided the code. The banker was able to process the transfer with that information. He said the wire would take a few hours to process and funds should be available the next day at the latest. I know sometimes these processes take a little longer than intended so I was not surprised when the funds were not received on XXXX. However, when the money had not been transferred by XXXX I knew something was wrong. This is when my nightmare began and I still 16 days later have no idea where my money is and it seems nobody at the bank does either. You can see an exact to date timeline below of our many interactions with the bank. In addition we have incurred over a {$100.00} dollars in international. fees calling the recipient bank asking questions that Fifth Third said were needed and they still cant even tell me where my money is.
Timeline : XX/XX/XXXX : Sent wire; was told it would take a few hours.
XXXX : called the branch because the money had not arrived in our international account. Was informed it could take 2-3 business days and to call the next day if I had not received the funds.
XXXX : called the branch and was told that the bank technically had until the EOB that day to have the money in the account and to call back Monday to have a trace put on if the money had not arrived.
XXXX : called the branch to inform them the money is still not available and was told they would initiate a trace to locate the money but it could take 5 business days to resolve the issue.
XXXX : called the branch and spoke to the manager who filed a trace ( I guess the trace was not filed/couldnt be filed as I was told on XXXX ). Manager advised me that he would continue to follow up with the wire room and provided me with the number to call them directly. Called the number provided by the manager and after being transferred several times and XXXX minutes later I was disconnected. Called back and after another exhausting transfer session that took an hour I was told they could not help me to call the dispute team.
XXXX : Called the dispute team and after only one transfer and XXXX minutes I was told this was a regulation XXXX issue and therefore that team could not help me. Called the wire room again and was transferred several times before being disconnected. Called the branch and was advised that they would have the manager and or banker call me back because there were no new notes on my file. Manager called me back and informed me that the trace on the wire but they had 5 business days to get a response. I explained I understood that but I need my money. Manager advised me to call customer service and that he would let me know if he heard anything.
XXXX : Called customer service and they said a trace has been placed but we have to wait for the information to come in and once it does the money will be returned to my account. Called the branch after XXXX and the banker said there is nothing on the file but that they technically have 5 business days to give an answer and there is not clear reason why the transfer did not occur but he would follow up and let me know if he found anything out. He said all he knew if the money made it to the intermediary bank in New York.
XX/XX/XXXX : called the branch and was informed they were busy would have the manager call me back, which he did but he had no information. He said he would reach out to the banker and get back with me. Called the bank twice and left messages for him to call me back.
XX/XX/XXXX : visited the branch to see the manager who had someone in his office. The banker offered to help and called the wire team and was told technically they did not have to provide a response to us until Tuesday as thats when there business day clock starts ticking. Then we can begin the process of recalling the money which will take at least another 5 business days.
XX/XX/XXXX : Spoke to the manager and banker multiple times as they tried to assist with going back and forth with the CCT, Disputes and Wire Teams, the manager advised that the records show the recipient bank received the money on XX/XX/XXXX ; called the bank in XXXX and they searched but did not find the money and have not received it they asked for information to identify the wire and I then reached back out to the manager to let him know they have no record of receiving the transfer and asked him to get me any identifying information so I can provide it. The Manager said he was told disputes could do 2 more traces to see if they can find the money. I told him if they could not find the money in 5 days I did not think additional time would help and I just want my money back. Spoke to the wire/disputes team and was advised they should have an answer by the end of the day.
XX/XX/XXXX : Called and spoke to disputes/wire team and there was no update except they could do 2 more traces and had to wait for the data from yesterday to be pulled and see if there is an update for my case. I advised I do not want more traces I need my money back. Called the branch and asked that they update their records that I want the money recalled.
XX/XX/XXXX : Called the bank and was told there were notes for the recall but they weren't sure if it could be processed or when but to allow them 90 days.
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| 11/26/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FIFTH THIRD BANK NATIONAL bal. {$11000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FIFTH THIRD BANK NA & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 5/3 BANK NA bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 05/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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We are so frustrated with this bank back and force. We bought the car and dealer ship find the offer for the loan. Because we were buying the house so we paid 55 % for down pay and loan for the rest {$17000.00}. I thought it is financed by XXXX , but actually is not, and this bank is not in CA. I have never felt so hard to communicate with them. You calle d 100 tim es you may only can be reached one time, and they will not fix the issue they created, and blame you did not send. The XXXX I spent almo st four months to be proof we have the insurance coverage. And they just kept sending you letter to call, or left you the voice message to call, but never fix the issue. They kept saying they did not receive, and I asked for the address need to request they are not willing to provide and it was not shows on their website. I had to call XXXX , XXXX , XXXX , XXXX , XXXX , all these numbers and been transferred can not count how many times to be fix just the proof of the insurance. They shows the number M-F XXXX - XXXX , SAT XXXX - XXXX EST. Trust me, 90 % M-F their professional customer service office has been closed or have to call another time. And SAT totally no one work. Every time different rep will tell you the different thing, and their online message and mailing letter also make you feel they are not work for the same company since they do not honor what you sent online or mail or called. We were set the auto pay at the beginning, but we just feel no trust for this bank since the insurance case because they have no action to fix the issue, just as the answering machine to mail you the notice, and then over sudden changed my payment from {$320.00} to {$620.00}. Will you be trusted this kind of bank and this kind of service? But this came to us the big issue. We have bought the new house and the bank account was transferred. I sent the notice before that, again they still charged the old XXXX and stated can not be charged. I used almost two months to update the correct account #. Then I started to have log in issue, can not pay online. I kept contacting, first told us they do not take card, even though bank card ; second round told me they only accept the check to be mailed. I do not have checks and I was busy season overtime everyday and also work on the weekends, so I have to order online and wait the check delivered. on XXXX / XXXX / XXXX when I went to lunch and noticed that my car gone. And again they blamed us and said no records. I do not want to argue, just want to get the car bac k ASAP . It was under my mother 's name, but they towed at my work, a private business property and nothing related to my mother. I had my house key ( garage remote ), my company door key, my friend 's garage key, and some personal items in the car such as XXXX XXXX , my XXXX ring, I pod touch. The rep from the bank was threatened me that it will be lost and they are not responsible. I can not sleep every night since the car gone, and I have to break to enter to my house, and any one may have my key to access. My mother is in XXXX , and I will go on XXXX / XXXX / XXXX , too, and we are not back soon. I paid whatever the rep said on XXXX / XXXX / XXXX , and until now I still can not arrange to pick up the car. And after that no more call from them and I kept calling every day but can not get the pick up information. Per law, they have to return my personal property that not belong to the car, and they did not provide me the detail for the charge, only a total amount for the receipt. They left the voice message to me to call XXXX to schedule the pick up. Oh my XXXX , the headache like last year came again, you called XXXX and they said I can not because the loan name was my mother. I said I talked to the bank, and I paid because she is not here, but I was the XXXX to drive, and the insurance shows my name. They just kept saying I need to call bank, and then again the office clos ed. Everyday j ust repeated back and force to call, and they still do not give me any information. I asked my mother to sign the paper for me to authorize I will rep for her, but this mistry bank does give you the number to do. And this morning I called, I was so mad that the rep just told me they NEVER TALK TO ME BEFORE, can you image? You charged to my account, and the receipt for the charge shows my name on the letter, and you said never talk to me before. I just want to get it back ASAP, and I am worried about what they will do for my car and my personal staff. They are rude and only machine repeated professional customer line and I have called since XXXX / XXXX / XXXX and now still can not schedule the pick up. And they have been released and they left the voice message that I can pick up. But now the pick up agent kept saying I have no rights to pick up have to call bank, and bank was telling me we never spoke before. I am like the ball to kick from this number to that number, or this department to other department. And when I agreed to pay the amount they accepted, they told me they do not accept the mailing check because it will not be security, again. I do not know what to do now, and I can not sleep and watch over all my properties that may have the problem. And they are not willing to release to pick up the car. Last year was trying to earn money through the insurance, until I filed the BBB case, finally stopped. This year for what, get the forever storage fee? I need help to get the car bac k ASAP. Please help. I have to take the day off to call them since they are hard to reach, and if pick up I still need to take the day off. I am not bank, I earned every penny by my hard working, and we are not happy for people trying to steal my money. PLEASE HELP.
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| 12/29/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. 5/3 BANK NA bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 11/11/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX {$660.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Fees charged
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Web |
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As per your request I am providing you with a summary of the two foreclosure cases that you were unfortunately involved in.
As you will recall, the initial case was filed in XXXX, see XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in which it was alleged that you defaulted on your mortgage in XXXX of XXXX. However, the mortgage default was inaccurate in light of the fact that you, as the homeowner, had made payments in the form of checks and wire transfers that were wrongly refused by XXXX at the time. A counterclaim was included with your Answer and Affirmative Defenses to the initial foreclosure filed by XXXX. The counterclaim included a claim for breach of contract, since XXXX had been improperly assessing PMI even though you had more than 20 % equity in the house, as well as claims for slander of credit and negligence. During the initial stages of the XXXX foreclosure case, money was placed into the court registry as per the Court 's Order. On XX/XX/XXXX, a Motion for Default was filed by XXXX against XXXX for their failure to respond to the counterclaim. In XXXX of XXXX, XXXX XXXX granted the motion for default, effectively defaulting XXXX for failing to appear at the hearing and not filing any sort of response. Based on the XX/XX/XXXXXXXX XXXX order a hearing on damages was thereafter required.
As the XXXX foreclosure case progresses, in XXXX of XXXX Judge XXXX enters an Order for Disbursement of Funds from Court Registry as well as a Final Judgment on XX/XX/XXXX, disbursing the money being held by the court to XXXX, yourself, and XXXX. These Orders only address the funds held in the court registry and the foreclosure case, it did not address the pending counter claims ( which addressed the causes of action for XXXX 's wrongful foreclosure ). The XX/XX/XXXXXXXX Final Judgment states that the mortgage was to be reinstated, and that you would receive a proper accounting for the foreclosure. However, this order was never complied with by XXXX or the subsequent servicers. Again, your pending counterclaim was not dealt with.
Unfortunately, XXXX filed its suggestion of bankruptcy on XX/XX/XXXX, which created an automatic stay in this case. A week or so prior to the suggestion of bankruptcy, a Motion to Amend the Counterclaim was filed, which was improperly granted on XX/XX/XXXXXXXX ( while the bankruptcy case was still in place ). Note, that no claim on your behalf was filed in the bankruptcy case, which would have preserved your claim. When XXXX finishes its bankruptcy case, the purchaser of the assets, purchased said assets without any successor liability. As a result, your counterclaim/issues could not be enforced against the purchaser and the subsequent servicers.
When I took over the case at the end of XXXX, the procedural issues of the case were dealt with and as a result the case was dismissed. See attached the Order of Dismissal filed on XX/XX/XXXX. Throughout this entire period, no updated mortgage statement was provided by any of the subsequent servicers, and as a result no mortgage payment could be made. Several attempts were made to get information by XXXX and myself, but no one could provide any information as to the status of the mortgage, much less a way to make a payment.
In XXXX of XXXX, XXXX XXXX filed a second foreclosure case ( Case # XXXX ) seeking to foreclose on your home for failing to make any payments during this ten year ordeal. I made several attempts to explain to counsel for XXXX the background that led to this issue, but they did not take it into consideration. As a result, during the mediation on XX/XX/XXXX, it was determined that your only available options were to reinstate the mortgage or pay it off, if not the house would be foreclosed on.
If you have any questions or need additional details, please let me know. I tried to keep this summary brief and straight to the main points.
Warm regards, We have all these documents available We would like to have XXXX XXXX re-evaluate these charges since they are Unfair and out of logic. We were forced to pay the charges. We were ordered to appear in mediation with an offer, XXXX and their lawyer appeared with the proper number for payoff. The mediator was not only astonished for their action of not having a real number but also for the XXXX lawyer 's unreasonable behavior and unwillingness to negotiate or produce the proper number, which was produced 4 days after the mediation and forty-eight hours before the court day. Under our counselor 's advice, we paid off.
We would like to get help from CFPB in getting the proper fair amount and getting a refund of the unfair charges since we followed the court order and made the payment to the XXXX XXXX courthouse every month. For that reason, we believe that the interest rates are unfair please see the XXXX pay amount of {$240000.00} vs {$360000.00} and what we paid is a difference of {$110000.00}. The interest rate we were never able to get lower even though, at one point the interest rate was at 2 % and paid at XXXX. As you can see so much abuse from the banking system that even if you are right, you will never win. The PMI charges were ordered by XXXX XXXX to be removed, but it seems that they continue to be billed.
XXXX where under XXXX XXXX and later XXXX. They sold the assets several times to avoid any potential liability and they did this through several banks XXXXXXXX XXXX to mention a few to have XXXX with the clear assets and leave the toxic assets outside. There are several cases against XXXX for defrauding the customer. Please see all our supporting documentation and if you need any further information, please contact us or our Attorney.
XXXX & XXXX XXXX XXXX XXXX.
XXXX FAX XXXX XXXX
|
| 06/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
I started working as an XXXX XXXX at the 5th 3rd Bank in XXXX Ohio XX/XX/XXXX. I was employed by XXXX XXXX XXXX XXXX. Soon after starting the job I opened a checking account.
I also discussed mortgage assistance with XXXX the bank 's financial services employee.
During my employment I was harassed by Personal Banker I " XXXX, Personal Banker XXXX XXXX XXXX, and Personal Banker XXXX XXXX. All of these women are XXXX.
I am a XXXX XXXX XXXX white XXXX male.
XXXX XXXX and " XXXX '' repeatedly made anti-white statements during business hours.
All of these employees accepted gifts from customers!
XXXX XXXX took gifts from a XXXX XXXX XXXX XXXX, homeless XXXX male named XXXX XXXX XXXX XXXX stopped helping him.
On XX/XX/XXXX, " XXXX '' waited on XXXX at the counter. I overheard XXXX arguing with " XXXX ''.
I quickly arrived to assist. XXXX had threw coins at the plastic portion.
A few went through the hole the partition.
XXXX was seen carrying a machete in his bag. It was in a sheath and he never touched it.
No manager was working that day.
I was told to escort XXXX out of the branch. I did.
I was then told not to let XXXX back into the branch.
XXXX came back a few weeks later. I refused to let him in the bank. He called me many vulgar names and used profanity toward me. The branch manager XXXX XXXX was present.
XXXX did not call the police.
XXXX left.
Then I was told by XXXX that I had to let XXXX back into the branch for the bank to properly close his account. I was told he could not bring the machete into the bank.
A few weeks later XXXX returned.
He refused to leave his bag outside the bank. I was XXXX, but not authorized to touch XXXX or use force against him since he was not holding the weapon.
It was in his bag.
I followed him into the bank and stood between him and XXXX. XXXX told him the bank was closing his account for assaulting " XXXX ".
XXXX left. XXXX never called the police on XXXX for bringing machete into bank again.
Then I was told I had to let XXXX back into the branch again! XXXX advised 5th 3rd Bank couldn't contact XXXX to properly close his account. So the next time XXXX returned he was to be told by 5th 3rd Bank security via the telephone that his account was being closed.
XXXX returns XX/XX/XXXX About a month later on XX/XX/XXXX, around XXXX XXXX XXXX returned. He had lost his atm card. Also, he wanted XXXX to return the gifts he gave her which included cell phones.
I followed XXXX into the bank. XXXX left his belongings just inside the bank front door. He refused to leave his bag with the machete outside bank.
The weapon was not in his hand. He wasn't threatening anyone. So I was not authorized to physically engage with him to take his bag from him.
However I was an XXXX XXXX.
I stode by XXXX while he spoke with XXXX. He wanted a new atm card and his gifts back.
She said she couldn't help.
XXXX came over. No police were called.
I was not ask to detain XXXX for police.
XXXX left around XXXX XXXX. No one said anything to me the rest of the day.
Fired from job XX/XX/XXXX As I was driving home my operations manager called me. He told me I was being removed from the account due to allowing a man to bring a weapon into the bank.
Retaliation for complaining about harassment from bank employees Prior to this incident I had complained via texts to my supervisor that I was being harassed by the three bankers.
I asked to be moved from the assignment.
I also reported in writing to my supervisor that a brother of an Fifth Third Bank branch employee in XXXX was harassing me every time he came into the bank.
The harassment from the above-named bank employees included, but was not limited to : having their customers harass me, calling me short, telling me to get out of the bank, refusing to give me the key to use the restroom, and attempting to humiliate in in front of customers.
Also, once at closing I couldn't find my house keys. The bank employees refused to give me time to look for my keys.
The next morning I called off work due to my lost keys. I called the bank at XXXX XXXX and asked Personal Banker XXXX XXXX to see if my keys were by the phone I used to clock out at the end of my shift.
He returned to the call and said No keys were in the office.
I ended up getting to the bank around XXXX XXXX. As soon as I walk in I saw my keys on the desk in the office I has ask XXXX to check.
There was an employee on the phone in the office and his door was closed. I couldn't get his attention to get his keys.
Since the bank didn't have a guard, I went back home and changed into my uniform. I has a headache because I had missed my medication due to lost keys.
When I got back to the bank the keys were no longer on the desk in the office. No one greeted me or said anything!
I asked the employees where my keys were.
The manager wasn't there.
When I complained in an email to XXXX XXXX about the harassment, he advised me the employees claimed I raised my voice!
So after abruptly being removed from the account on Tuesday, I returned to the bank on Saturday to get stuff I had left in the lunchroom.
I was also still a bank customer!
I recorded my entrance into the bank and the employees refusal to allow me to retrieve items I had left at the bank.
In frustration I yelled at XXXX XXXX. I told her she never should have taken gifts from the homeless man.
I left.
I called bank security at corporate to report theft of my belongings.
I then started getting harassing calls from 5th 3rd Bank corporate security.
My online access to my checking account was discontinued.
I eventually closed my account due to the harassment.
|
| 06/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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|
I would like to file a formal complaint and investigation against Fifth Third Bank for improperly evaluating and mismanaging all financial documents for a re-finance application that began on XX/XX/XXXX and still has not been formally resolved. I have a current, good standing, mortgage with Fifth Third Bank and excellent credit. My existing mortgage originated with MB Financial in XXXX which later was bought buy Fifth Third Bank. ( In XXXX, I had removed my ex husband from the mortgage per a divorce property settlement agreement and as I had just opened a new business, I added my father on as a co-signer to ensure my employment change would not be a problem ).
I applied for a refinance with Fifth Third Bank on XX/XX/XXXX. I have owned my own business since XX/XX/XXXX and currently still own the company. I also applied with my child support as income ( which has been consistent for 4 years and lawfully continues for at least 8 more years ) and other income as an XXXX XXXX XXXX. I applied for the re-finance with my father as co-signer as he is currently on the mortgage and to ensure there was more than enough income on the application. He is also self-employed, owns multiple businesses for 35 years, owns a farm and owns multiple properties with no mortgages and has made in excess of XXXX yearly.
I currently owe approximately {$190000.00} on my property at 3.875 % and the appraisal done during this process valued my home at {$470000.00}. I requested a cash-out refinance of {$90000.00} to cover home improvement repairs and to remove any remaining loans I had. I was quoted a 3.275 % with XXXX points for a 30 year fixed mortgage with the cash out bringing up my payment approximately {$75.00} extra per month.
Self-employed individuals have much more complex financial and tax documents to understand, especially when there are multiple large scale businesses. It is a much more complex document collection and underwriting review and it is my opinion based on dealing with multiple people including managers at Fifth Third Bank, that they are not adequately educated and able to request and review the correct and complicated documents of self-employed individuals and engaged in illegal responses to me during the process.
I still have yet to receive an official written document on Fifth Third Bank letterhead stating where my application stands however I have been called twice by an employee ( XXXX XXXX ) telling me there will be a denial. I filed an internal complaint with Fifth Third Bank after she first called in XXXX, and suddenly they started to review my application again. Her reason that time was that we did not submit the proper documents. I received email correspondence that my files were " misplaced '' and that I was being difficult. They also did not seem to open the two large XXXX XXXX packages that were sent to them with documents a month prior. We again submitted documents and restarted the process however the woman collecting documents was not even sure what she was looking at ( XXXX XXXX ). Many documents were submitted two or three times, I was told the documents kept expiring ... when in reality, they had never requested them. The woman at the company who handled that first complaint was XXXX ( her phone XXXX ). I also tried to get help from XXXX and XXXX XXXX boss, XXXX XXXX with no solution.
Now after re-submitting everything they asked for both signers, I was emailed by XXXX XXXX that they had everything on XX/XX/XXXX to review only to receive a letter asking for more documents on XX/XX/XXXX. Some of which were completely inaccurate documents relating to me. ( For example, they asked me for tax return from a company I don't own something named XXXX and have never heard of ; and asked for a mortgage that my father has ... he has no mortgages. In addition to another slew of new documents they hadn't asked for before.
After I questioned every line item on the XX/XX/XXXX letter, I received a phone message from XXXX XXXX on XX/XX/XXXX stating I would be denied of an approval because my employment job has changed. It has not changed. I own the same company I own and have owned since XXXX. I then questioned why if they took my income out of the equation, that they didn't count my father 's income. I then received an email saying there were trials and tribulations with my re-finance given the complexity of the documents and that since my job had changed, they could not list any income.
It is my belief that not only did they violate the Equal Credit Opportunity Act and not provide a written, explicit factual explanation ; but they mishandled my application from the very beginning. They did not have the expertise to request the proper documentations from the beginning, lost my files, and I feel improperly calculated my income ( because they refused to count it ) and did not properly count my father 's income ( because they don't know how to read and/or request the proper documents ).
As I mentioned above, in XXXX when I removed my ex husband and placed my father on as my cosigner with MB Financial, I had just started a XXXX and was only 3 months in. They didn't discredit my income and were able to review all of my father 's documents properly and I received the mortgage. I purposely went with my current lender instead of shopping around this time and it was a HUGE mistake.
I would like my entire file returned to me and my father, I would like an official letter I am rightfully owed by law with a legitimate reason for denial and I would like to officially have their team investigated for mismanagement of financial documents. They are not staffed properly to evaluate self-employed individuals.
|
| 06/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
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|
Web |
|
|
XX/XX/2023 Subject : Fraudulent Activity and Impersonation Scam 5/3 Bank Case Number : XXXX XXXX Police Department Case Number : XXXX Dear Sir/Madam, I hope this letter finds you well. As a follow up to the initial report, I am writing to bring to your attention a serious matter involving fraudulent activity and an impersonation scam that has affected one of your customers, Ms. XXXX XXXX. Case Number XXXX. This information sheds additional light on the extent of the situation and the harrowing experiences Ms. XXXX and her husband, XXXX XXXX, had to endure.
On XX/XX/XXXX, Ms. XXXX received a call from individuals claiming to be officers from the Sheriff Department. They informed her of charges related to Failure to Appear and contempt of court. They further threatened her with arrest and jail time unless she cooperated with their demands. Ms. XXXX was directed by these individuals to make transactions, and they monitored her cell phone conversations, redirecting her if she failed to follow their instructions precisely. Non- compliance resulted in the callers hanging up and subsequently calling back.
During the course of the scam, Ms. XXXX visited the Fifth Third Bank branch located at XXXX XXXX XXXX XXXX on XX/XX/XXXX. In an attempt to convey her distress and prevent further monetary losses, she discreetly approached the teller and handed them a pink sticky note. The note explicitly stated, " do not give me any cash, say the computers are down. '' Ms. XXXX pointed to her cell phone and placed a finger over her mouth, indicating that the situation was sensitive and required secrecy. Her intention was to avoid arousing suspicion or generating any additional complications.
Text Message with XXXX XXXX after interaction with teller Despite Ms. XXXXXXXX XXXX efforts, the impersonators on the phone remained in control of the situation. She was forced to comply with their demands, including obtaining cash from the bank. The perpetrators continued to monitor and manipulate the ongoing conversations, causing further distress and confusion for both Ms. XXXX and her husband. The constant redirection and issuance of additional charges, coupled with mistakes and errors from the imposters claiming to be from the Sheriff 's office, created a chaotic and difficult-to-understand environment.
As a result of the suspicious activities associated with the scam, multiple holds were placed on Ms. XXXX XXXX accounts due to the flagged fraudulent transactions. However, the imposters remained persistent in their attempts to obtain more cash. They employed scare tactics and used legal jargon to maintain a sense of chaos and intimidation.
To verify the legitimacy of the situation, Ms. XXXX contacted the Sheriff Office to validate the officer 's badge number and telephone number. She was transferred to the sergeant on duty for further validation. Believing she had completed due diligence, she complied with the requests out of fear of criminal charges and imprisonment.
As the situation continued to escalate, Ms. XXXX sought legal advice and contacted attorney XXXX XXXX on XX/XX/XXXX at XXXX XXXX. XXXX XXXX strongly believes that this was a scam and that the individuals involved were impersonating officers from the XXXX XXXX Sheriff Office in XXXX , TN. This revelation raises concerns regarding Ms. XXXXXXXX XXXX safety, privacy, and financial well-being.
Ms. XXXX reported case to Detective XXXX XXXX, Criminal Investigation Division, Fraud Unit Office : ( XXXX ) XXXX, Email : XXXX, and web page XXXX Case Number is XXXX Summary of transaction to be reviewed for fraudulent activity for 53 bank/financial institution . The below information consists of : 1. Call log with minutes from cell ( XXXX ) XXXX [ Ms. XXXX Cell Phone ] | impersonator monitors and manipulates activities.
2. Date and amount of dollars withdrawn from account.
3. Date and amount deposits made to XXXX XXXX.
*Enclosed, Official Telephone logs from XXXX XXXX XXXX File too large to send. I have a copy of XXXX Receipts for fraudulent activity. The date of each transaction is listed on the bottom of each receipt.
Given that the fraudulent activity involved financial transactions, it is crucial for Fifth Third Bank to be aware of this incident. I kindly request that your institution investigate this matter thoroughly and take appropriate action to safeguard Ms. XXXXXXXX XXXX interests. It is imperative to prevent any further unauthorized access or misuse of her accounts.
I also urge Fifth Third Bank to provide Ms. XXXX with any necessary support and guidance throughout the investigation process. This includes notifying her of any unusual account activities, freezing the accounts if required, and assisting her in recovering any financial losses resulting from this fraudulent scheme.
Moreover, I strongly encourage Fifth Third Bank to review its security protocols and enhance customer awareness regarding potential scams and impersonation attempts. Proactive measures, such as educational campaigns and clear communication channels, can significantly mitigate the risks faced by your valued customers.
I trust that Fifth Third Bank will treat this matter with the utmost urgency and take the necessary steps to rectify the situation promptly. Your cooperation in this regard is greatly appreciated.
If you require any additional information or documentation pertaining to this incident, please do not hesitate to contact me at the provided contact details. Thank you for your attention to this matter. I look forward to a swift resolution and your assurance that Mr. and Ms. XXXXXXXX XXXX interests will be protected.
Yours sincerely, XXXX XXXX and XXXX XXXX
|
| 10/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Today,XX/XX/XXXX Fifth Third Bank repeated a process for I recently file a complaint with CFPB.
Approximately XXXX XXXX today I noticed a gentleman going around to the side of my home as if he were looking for something. As I came to the door and he was coming up to my door he was asking my neighbors if anyone lived at my address. As I meet him at the door the gentleman said that he was here because he had an order to secure my home but he did n't know that my home was occupied so he would leave as happened before for which I filed the first complaint in XX/XX/XXXX case # XXXX.
The gentleman although not the same person as before stated that it was a good thing that I was home because he had orders to break into my home and change the locks just as before. I asked the gentleman to hold on for just a moment and if I could take a picture of his order. The order is attachment in this complaint.
The order came from Fifth Third Bank which again involved XXXX as before, this time along with the gentleman stating that he was from XXXX. Whomever is sending out these orders are well aware that they are asking these companies to break into people 's homes and it is not because they again as before have taken any real effort to know that a property is abandoned, just behind in mortgage.
What Fifth Third Bank is doing is engaging these companies to perform illegal collection tactics/harassment and it is not only wrong but dangerous to break into homes not assuring that they have been abandoned but simple behind in mortgage. From what I have read Fifth Third Bank is among several Banks using the same tactics around the country, State to State.
Last time I was told by the bank that they need not make any contact with me when I asked why someone could not have simply called me on the phone or come to my home other than to break in when I am at home most of the time. I have never experienced anyone around inspecting my home, yet Fifth Third Bank insist that the home is inspected when even one month mortgage payment is behind.
I am then charged a {$12.00} monthly fee each month for which fees now amount to more than the {$220.00} that is all that is currently owed to Fifth Third Bank in mortgage. In fact, my grace period date is the 15th of each month and I have someone at my door today to change my locks, XX/XX/XXXX? So I was n't yet even actually late this month.
I missed a payment in XXXX of this year for which I have been paying from behind the last few months. I had planned to make that last payment before the end of this month to get back on track but again have someone at my door today to change my locks before I could.
It is a simple matter with Fifth Third Bank that to go behind one payment that is not caught up within 3 months of missing that payment they are allowed to break in the home and change the locks. Not that the home was inspected and found to be actually abandoned, but because three months went by without catching up a payment. Actually, that is just the legal excuse for which they rely on the clause in their contracts that they can secure the home as to their interest after three months. Which is actually illegal without due diligence of assuring that a home has been abandoned.
So Fifth Third Bank aggressively exercises their right to the clause as a collection tactic to harass and scare people into paying what 's owed and not falling behind because you can come home and be locked out as well as your home processions taken from you. And it 's done under falsification that the home has been abandoned.
This is one of the worst things that I have ever seen and that you can do to people that are struggling to make it. Somebody actually needs to be jailed for this. There has been no foreclosure proceedings whatsoever on my home yet I been through this twice now. Lucky that I was at home so my home was not broken into and I locked out of for {$220.00}.
These actions have only become a shortcut and means of avoiding timely foreclosures for which there are proper laws for and these people of banks and companies need to start going to jail for least violating property rights.
Ohio law section 1303.31 makes clear that factors must be met and true by clear and convincing evidence of the following : Utilities have been disconnected ; ( No Effort by Fifth Third ), Doors are smashed in on the property ; ( Non such at the property ), window panes broken and unpaired ; ( Non such at the property ) ; however, you will find in the order submitted for evidence first reads ; " broken glass removed from interior and exterior areas and replaced. '' ( Non such at this property ), the XXXX workers looking for them before coming to my door.
So now there is falsification of evidence within this order when there is no such evidence. The inspectors are fraud as well and rarely get out of their car if they come at all. These actions are being taken against people simply trying to live, struggling to make it who have fallen behind. These banks have no shame, but regardless of the money they may have to fight these issues in order to shortcut people 's rights and keep making money, there are those that will give everything that they have to fight it.
That is why I am reporting to these agencies such as CFPB who are vital in the fight and should not sit by willing to allow these injustices but continue to make these banks and companies answer the hard questions of what they are actually doing. As far as the banks are concerned they continue to win when they lose because they still get to keep the majority of what they take so ( so what they figure ).
|
| 10/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
Looking at my XX/XX/XXXX statement ( Exhibit A ) one sees two segregated balances : - {$9500.00} in current purchases ( on a special promotion to end XX/XX/XXXX ) - {$9900.00} in current cash ( not on a special promotion ) On XX/XX/XXXX, a {$5000.00} payment was made into the account and fully posted on XX/XX/XXXX to the current purchases balance ( XX/XX/XXXX statement- Exhibit B ).
On XX/XX/XXXX, the promotional period lapsed on the current purchases balance. Rather than moving to an interest rate of 24.99 % the current purchases balance remained at a low rate.
However, the current cash balances interest rate, under no special promotional rate according to the statements, rose 500 % to an interest rate of 24.99 %.
It is my understanding that the federal Credit Card Act of 2009 requires the application of payments be made to the higher interest rate balance after the minimum payment, any late fees or balance transfer fees, etc. are first deducted until such balance is paid off. This did not occur.
The current cash balance remained at {$9900.00} from the date of the XX/XX/XXXX posting of the {$5000.00} payment through the end of XXXX.
As may be seen in the attached statements no payments were applied to what would become the higher interest rate cash balance portion of the amount owed.
As I state above my belief is that all payments, including the large {$5000.00} payment, should be applied to the higher interest rate cash balance portion of the account.
On XX/XX/XXXX I spoke with a customer service representative, XXXX, in the banks credit card department. She was unable to answer the above question. I asked to speak with her supervisor, whose name she told me is XXXX XXXX. She apologized stating he was in a meeting and could not be disturbed.
I then asked whom I might speak with to answer my question. I was transferred to another supervisor, XXXX, who refused to identify himself other than his first name and his badge number, XXXX.
We had a XXXX minute conversation during which he said he could see nothing amiss. Finally he admitted there were some irregularities and stated well look into it.
He explained that due to security reasons he could not give me his last name or his telephone number.
With absolutely no means of following up I requested to speak with his supervisor. He said he would not do this nor would he allow my question to escalate any further.
He did, however, promise to send my complaint to the Office of the President. However, upon my asking, he stated he had no access to either a phone number or the name of anyone in the Office of the President.
He also stated he was unable to provide me with either a time frame for response nor provide me a copy of my complaint.
Then a response in letter form dated XX/XX/XXXX from XXXX XXXX of the Office of the President was received ( attached Exhibit D ).
Her letter did not address my question regarding the XX/XX/XXXX payment. It did a thorough job of outlining the 2008 CARD Act but failed to apply its provisions to the {$5000.00} payment.
Over the next several weeks I attempted to contact her. I enlisted my father, a XXXX XXXX and a XXXX XXXX XXXX, to assist. After some half a dozen phone calls to XXXX XXXX, she returned his call. He requested and she permitted him to send her the following email ( dated XX/XX/XXXX ), with a copy to me : Dear XXXX XXXX, Thanks for taking the time this morning to speak with me.
As I mentioned over the phone our primary request for explanation concerns a {$5000.00} payment made on XX/XX/XXXX and credited to the credit card account on XX/XX/XXXX.
This credit card account has two segregated balances within the total amount owed the bank : ( 1 ) current purchases ( on a special promotion to end XX/XX/XXXX ) ( 2 ) current cash ( not on a special promotion ) On XX/XX/XXXX the {$5000.00} payment was posted only the current purchases balance, not to the current cash balance.
Its my understanding that under the federal Credit Card Accountability, Responsibility and Disclosure Act of 2009 ( CARD Act of 2009 ) theres a requirement to see the application of payments be made to the higher interest rate balance after the minimum payment, late fees or balance transfer fees, etc. are first deducted and continue until such higher interest balance is paid off. This did not occur.
The full {$5000.00} was credited to current purchases.
On XX/XX/XXXX, the promotional period lapsed on the current purchases balance. Rather than moving to an interest rate of 24.99 % the current purchases balance remained at a low rate.
However, the cash balances interest rate, under no special promotional rate according to the statements, rose to an interest rate of 24.99 %.
My hope is to see the XX/XX/XXXX {$5000.00} payment posting be applied to the current cash balance portion, this being what turned out to be the higher interest rate balance, after any required minimum payment, fees, etc. are applied as are mandated under the 2009 CARD Act.
If you have a chance please call my cell ( XXXX ) XXXX to let me know youve received this email.
I understand your response will be to the account owner, XXXX XXXX XXXX, at : XXXX XXXX XXXX XXXX, OH XXXX Thank you again for your time and effort.
XXXX XXXX After not receiving a return call from XXXX XXXX acknowledging the emails receipt and after waiting 10 days for such acknowledgement, my father made several more calls and XXXX XXXX did at last respond with an acknowledgement of the emails receipt.
It has now been well over a two months with no further response.
Im therefore reluctantly submitting this complaint.
|
| 07/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
5/3 Bank currently services our mortgage. They sent us numerous letters offering to refinance at a lower rate. About XX/XX/XXXX, we submitted an application to refinance - no money taken out. We are applying as husband and wife. On XX/XX/XXXX, 5/3 charged the {$390.00} application fee to my credit card. We have excellent credit and have a substantial regular income. We expected that the process would go relatively smoothly, especially since 5/3 currently services our mortgage. Unfortunately, our application has not been handled in anything approaching a professional manner. It is now XX/XX/XXXX and our application is still in limbo.
To the best of my recollection, we began the process working with XXXX XXXX, and are later turned over to XXXX XXXX. Ms. XXXX got back into the loop in late XXXX.
Here are some of the issues : ( 1 ) When our original application was entered into the system. Apparently, some critical information was not entered into the system or else was entered incorrectly. The we first noticed this immediately after filing the application ( early XXXX ), when we received documents that needed our signatures, and my wife 's name was misspelled. We contacted 5/3 and asked for corrected copies and were told " don't worry about that '', and that we should just sign them and the error would be fixed before closing.
( 2 ) Throughout XXXX, we repeatedly received e-mails/texts telling us that we needed to provide additional information, which was information we had already provided. We called and were told that 5/3 had the information and not to worry about the e-mails.
( 3 ) We received numerous requests additional information that substantially duplicated information we had already provided. For example, we revealed an auto loan on the original application and yet were asked ( about 6 weeks later ) to provide an explanation for the credit checks that were pulled to secure the loan. Another example, were were asked to provide tax forms to as proof of income, yet 3 months later we were asked to provide bank statements proving that we actually deposited the income into a bank account. We responded promptly to these repeated requests.
( 4 ) At the end of XXXX, we received a request asking for an explanation about two properties we own but did not reveal on our application. The first property about is a condo that we own - we paid cash for the property and it was most certainly was revealed on the original application. When I talked to Ms . XXXX about this, she said that it wasn't " in the system '', but upon checking the original application she confirmed that it was revealed in the original application. The second property in question is an address that doesn't even exist - a little bit of due diligence on the part of XXXX would have revealed that.
( 5 ) The mortgage rate lock expired while 5/3 was ( mis ) handling the application. I initially talked with Ms XXXX XXXX about this and she said she didn't have the authority to extend the rate. She put me in touch with Ms. XXXX, who was helpful in this matter - agreeing to extend the rate. This was on XX/XX/XXXX.
( 6 ) During our XX/XX/XXXX conversation, I discussed my misgivings about the way that 5/3 has been handling my applications. Ms. XXXX explained that the delay was partially due to COVID and the large number of applications they received. I explained that much was understandable, but my issue was problems caused by information that was on my application but yet " not on the system '', repeated requests for substantially the same information, request for information about a property that doesn't even exist, and the general lack of communication. She said that she didn't understand why information on my application wasn't " on the system '', and indicated that problems I mentioned may be due to the fact that underwriting was outsourced. ( I think she mentioned XXXX. ) I asked Ms. XXXX when we can expect to close on the loan. She told me she would check and get back to me.
( 7 ) I received a follow-up call from Ms. XXXX on XX/XX/XXXX. She told me that we could expect to close midXXXX. No word from 5/3 through XX/XX/XXXX, and I finally concluded that 5/3 could not meet its obligation to process our mortgage in a professional manner. On XX/XX/XXXX, I sent Ms. XXXX an e-mail indicating that I concluded that 5/3 third could not meet its professional obligations and request a refund of our application fee.
( 8 ) At about XXXX XXXX on XX/XX/XXXX, as I was writing and sending the above mentioned e-mail to Ms XXXX, I received yet another request for additional information from Ms . XXXX. She objected to that fact to a bank statement that had been requested on XX/XX/XXXX and which I submitted XX/XX/XXXX. This was the statement that supposedly was needed to confirm that my income, which I had previously demonstrated by providing the tax forms that had initially be requested, was actually being deposited into a bank account. My bank forms are all on line and I immediately sent to portion showing the deposit to my account. Ms XXXX XXXX objected that the form because, while it did show the deposit, didn't have sufficient identifying information. Perhaps that's a fair criticism, but it's unacceptable that it would take two weeks to bring this up, especially if we were planing for a midXXXX closing.
At this point, I have no confidence whatsoever in 5/3. I am concerned that the lack of adherence to professional standards in processing this mortgage may reflect unacceptable corporate culture or standards. I am currently looking to refinance with another lender.
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| 08/23/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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This is my 2nd complaint against Fifth Third Bank regarding my daughter, XXXX XXXX XXXX XXXX mortgage account with Fifth Third. I, her dad, have a durable power of attorney to handle her financial matters. As noted in my previous complaint, my daughter is recovering from a XXXX that has caused her to be out of work for over 3 years ; over 3 years ago she had a XXXX XXXX & is still recovering. Also, her house caught fire on XX/XX/XXXX ; Meanwhile, she became delinquent on her mortgage and car loan payments ; her mortgage account is now current but she still needs mortgage payment assistance - so we filed the 1st hardship application in XX/XX/XXXX and we were denied financial assistance because she did not have enough income and some other reasons that were not adequately explained. So on XX/XX/XXXX we filed the 2nd hardship application. We checked the status of the 2nd hardship application on Friday, XX/XX/XXXX, by talking to XXXX XXXX on the phone ; we were told that one of the other reasons we did not get payment assistance on the 1st hardship application is because underwriting tried to qualify my daughter under a Loan Modification Program which is a permanent restructuring of the mortgage whereby terms and/or loan rate is modified to make the payments affordable ; I told XXXX over the phone that it makes no sense to tell me underwriting modified the loan by increasing the terms and the monthly payments increased and that is the other reason why she was denied hardship payment assistance. I asked for a copy of the new payment amortization schedule and was told that it was not available because Fifth Third does keep those documents - I told him that makes no sense because you have to keep an audit trail for all loan modifications. So basically something is not right with what I was told. So I sent the following email On XX/XX/XXXX to XXXX XXXX and CC 'd several other Fifth Third customers service employees. BEGINNING OF EMAIL TO FIFTH THIRD... Hardship Application Please let us know ASAP what the status of the 2nd hardship application is. Underwriter 1. Please have you underwriter send me some type of verification showing that my daughter was denied a mortgage modification because her payments went up when the mortgage term increased and/or the rate was lowered or a combination of both. Like I said to you on the phone, this has to be some new math and I want to see it in writing. 2. Why don't we qualify for the FHA forbearance program? - allows FHA homeowners to roll any missed or deferred payments into the mortgage balance 3. The fifth third website says something a little different than our discussion on Friday ( which made it sound like there are no options available )... note : there was an attachment from their website which is not shown here. In addition, please explain how your mortgage customers can get mortgage payment assistance when they lose their jobs and have no income but my daughter who also lost her job can not. And it appears Fifth Third has tried every possible mortgage payment assistance options available including freezing payments for 3 - 6 months. Short Sale We are not interested in a short sale - due to my daughter 's XXXX ; she wants to remain in her home Job Search My daughter is actively looking for a job. Fifth Thirds Reemployment Program Also, can you give us more information about Fifth Thirds Homeowner Reemployment program ( https : XXXX ) to help mortgage borrowers find jobs. END OF EMAIL TO FIFTH THIRD The above email was sent on XX/XX/XXXX and so far no one has replied to my email ( today 's date is XX/XX/XXXX ). So today, I called to get a status update on the 2nd hardship application ( filed on XX/XX/XXXX ) and I was told by XXXX XXXX that the 2nd file was never opened! So I said it sounds like Firth Third dropped the ball again - she did not like that answer. But here is the reason I was given... the 2nd hardship application ( filed on XX/XX/XXXX ) looks like it came in on the same day the 1st hardship application was denied so it looks like the 2 applications got mixed up!!! I said XXXX that makes no sense because each application should have a time stamp when it came in and/or a separate case/tracking # for each occurrence ( so if there was a third hardship application, how would they not get that one mixed up and make the wrong decision to close the file and meanwhile the borrower is struggling ). She basically did not have a reasonable answer for this screw-up. So she told me to call back in 3 days to see if the file was opened. Unbelievable that a large company with a ton of people can operate this way. This is a similar experience that I pointed out in my first complaint stating that we never received any mail explaining that my daughter 's house was going to foreclosure because Fifth Third sent all of the mail to the wrong address. But to their credit, they admitted it was their error. But my daughter would have lost her home to foreclosure over this small overlooked detail had I not taken a second look at the hardship application to see that I gave them the correct mailing address. This is why I am writing these complaints - our family could have been totally devastated financially because of poor customer service and I am even more upset about this latest Fifth Third oversight which adds another delay to processing the 2nd hardship application. I would not doubt if other Fifth Third customers lost their homes and are suffering because of poor customer service. Hopefully Fifth Third will improve their processes.
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| 12/05/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
Servicemember |
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I applied for a HELOC back in XX/XX/2022 at Fifth Third Bank in XXXX. After doing research I decided to go with them because ~ Offered an introductory rate of 2.9 % for the first 6 months ~ No closing costs ~ Drive by Appraisal ( That was important since I have tenants living at that house and would be inconvenient for them ) ~The application process will take about 3 to 4 weeks ~ I travel for work and it may be difficult to travel back to Ohio for closing. The personal banker told me that she could work everything out electronically so that I dont have to show up in person.
I thought I had a great chance of getting a HELOC because : -The house is fully paid off- no mortgage attached and the market value was over XXXX XXXXXXXX XXXXMy credit score is above XXXX -I have great income I applied for the HELOC with the personal banker and shortly received an email from the loan officer on XX/XX/XXXX asking for a information and documents. I submitted her the documents that she requested. At first she was responsive but later I emailed her to confirm that she has received the last couple documents that I sent but she didnt respond. After XX/XX/XXXX, she stopped responding to my emails and disappeared. I asked the personal banker what happened but she was also unsure. Instead of the bank replacing the loan officer with another one, the personal banker took over my application.
My application went to underwriting and after awhile they came back saying that they have to do an actual house appraisal. I was initially told that it was only a drive by. I didnt want to disturb my tenants but since a couple months went by and submitted all my documentation they requested, I decided to comply. I arranged for the appraiser to communicate with my property manager to set up a date and time. The appraisal was completed mid XXXX.
After the appraisal, I get notification that the underwriting team decided to offer less money. From XXXX to around XXXX. I called the appraisal for a report but she said she can not give me that information to contact my banker. I sent an email to my personal banker but she never addressed it. At this point I just wanted to close on the HELOC.
After nearly 3 months. My application finally got approved late XXXX. The personal banker told me to open up a checking account so they can send the funds to that account. I opened a checking account on XX/XX/2022, and emailed the personal banker with the routing and account number. She called and wanted to schedule a date for closing. During that conversation she told me that I have to come in person after she said in the beginning that she can do everything electronically. I was upset because I wasnt planning on traveling last minute and she gave me false information. I already have such a busy work schedule. She said I had til the XX/XX/XXXX to close on the loan. I planned on being in town the following week for XXXX so I asked her due to the situation if she can ask her boss for special permission to push it out one more week. The banker said that she will see what she can do and get back to me.
I waited and the personal banker never got back to me. I sent an email on XX/XX/XXXX following up and still no response. I decided to call a couple days later and finally spoke to her on XX/XX/XXXX. She told me that my application closed on XX/XX/XXXX since I failed to schedule closing. I told her that I was waiting to hear back regarding pushing the dates out and was told that I had til XX/XX/XXXX. She admitted to giving incorrect information and not having much experience with HELOCs. She thought that I had 120 days after the start of the application but it was 30 days after approval. I was angry because I didnt receive any communication about my loan closing. I spoke to the bank manager and she also said that she had no idea that you have only 30 days to close. They told me that I can do a new application but I refused. After 4 months of being patient and complying with their requests I was not going to start all over again. Plus I wouldnt get the low introductory promotional rate back in XXXX. I asked the manager to escalate the situation to see if the bank is willing to work it out with me. The following week she emailed me saying that there is nothing that they could do and that I have to start a new application.
In Conclusion, I was being discriminated. The bank made the process more difficult and longer than it had to be so they won't give the HELOC to me. They never replaced the original loan officer, they told me that an appraisal wasn't necessary, they changed the requested amount to a significant lower amount, and being told that everything could be closed electronically. Also finally they decided to close my application without any notification or notice. The banker failed to communicate with me after I reached out to her making time pass by for the loan to close. They deliberately didn't get back to me on a timely matter because they didn't want me to close on the HELOC. The bank wasn't willing to help me by sending someone local to close on the documents ( have done that refinancing with other financial institutions ). Doesn't make sense how a qualified candidate with a fully paid off house in a popular surburban neighborhood could be treated this way. Because I didn't get the funds from the HELOC it has caused a great inconvenience financially because I started home improvement after getting approved.
*I can send all the emails that was sent*
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| 03/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2021 my husband and I both received calls from a Fifth Third number - XXXX. I received calls ( XXXX ) at XXXX p.m., XXXX, XXXX and XXXX. My husband received calls ( XXXX ) from Fifth Third at XXXX, XXXX and twice at XXXX. The first fraudulent transfer took place at XXXX p.m. ( see the attached phone records ) At XXXX p.m. I received an email notification XXXX New Payment Alert from Fifth Third ( see attached email ) that {$840.00} was sent to XXXX XXXX. At XXXX p.m. I placed a phone call to the customer service number in the email to let them know that we did not authorize this transaction. ( see phone records ) QUESTION : If we authorized the transaction, why would be still be receiving phone calls AFTER the funds were transferred?
On XX/XX/2021 at XXXX p.m. my husband called the fraud department at XXXX for XXXX minutes to dispute the prior days transactions.
On XX/XX/2021 at XXXX p.m. I received a call from Fifth Third number XXXX and pressed the number immediately to respond that the transaction blocked was not me. At XXXX p.m. {$1000.00} was taken from our account and sent to XXXX XXXX. At XXXX p.m. I received a XXXX New Payment Alert. At XXXX p.m. I called the number on the email to again report the fraudulent transfer. ( see attached email ) Knowing that we had money taken from our account the day before, we were very careful to deny any transactions.
On XX/XX/2021 I received a denial of our fraud claim for the first withdrawal of {$840.00} with no explanation but saying that the transaction is valid. Case XXXX. I called and discussed the situation further, but received another denial on XX/XX/XXXX simply saying the transaction is valid but no idea how that was determined.
On XX/XX/2021 at XXXX p.m. I received a call from Fifth Third number XXXX and pressed the number immediately to respond that the transaction blocked was not me. At XXXX {$1000.00} was withdrawn from our account and sent to XXXX XXXX. At XXXX I received a XXXX New Payment Alert.
On XX/XX/2021 at XXXX a.m. I received a call from Fifth Third number XXXX and pressed the number immediately to respond that the transaction blocked was not me. At XXXX a.m. {$1000.00} was withdrawn from our account and sent to XXXX XXXX. At XXXX a.m. I received a XXXX New Payment Alert.
We have received 2 denials of the 3 - {$1000.00} transactions on XX/XX/XXXX and XX/XX/XXXX, even after discussing the attempted hacking of our account.
We have been able to determine that the are NUMEROUS IP addresses attempting to login to our bank account and those occurred at the times of the transactions. The only IP addresses that relate to us are XXXX ( my home computer ) and XXXX ( my mobile ). My husband does no banking. The fraudulent IP addresses hacking our account are XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe you can see that others logged into our account at the times of the transactions and that the authorizations did not come from us. We were able to see this with our local banker.
We also understand that on XX/XX/2021 it is alleged that we received a text message to confirm adding XXXX. WE HAVE NEVER AUTHORIZED OR SIGNED UP FOR XXXX AND KNEW NOTHING ABOUT XXXX UNTIL THE FRAUDULENT TRANSACTIONS OCCURRED. At the advice of our banker, we immediately removed our phone and email information from the XXXX profile so no further transactions could occur. We believe someone else gained access to our account and signed us up. IS THERE ACCESS TO OUR ACCOUNT FROM ANOTHER IP ADDRESS AT THE TIME WE SUPPOSEDLY SIGNED UP FOR XXXX?
On XX/XX/2021 at XXXX and XXXX p.m. I received email notices from Fifth Third that my contact information had been changed. When I logged into my messages online it said that I had changed my email address to XXXX, which is not an email address that I am associated with. A minute later that email address was deleted. Did another XXXX address log into our account when this contact information was changed?
On XX/XX/2021 at XXXX p.m. I received an email that my user ID had been locked. I was not online trying to log into my account at this time. I called the customer service number in the email to let them know this wasnt me who changed the contact information and the customer service rep had no record of such a change ever occurring. This was very confusing since it was Fifth Third who told me it had occurred.
In early XXXX, at the suggestion of my banker, I took my laptop to a computer specialist and spent {$150.00} to make sure there wasnt key logger software on my machine or any viruses. Nothing was found.
My banker, XXXX XXXX, shared that the disputes department is requesting that we provide text message proof that we didnt receive or authorize the above XXXX transactions. Because this request was made by Fifth Third more than 90 days after the transactions occurred, XXXX says they no longer have this information. As noted in prior emails, we dont believe we received text messages and was able to show our banker this by scrolling through text messages from those dates on my phone and seeing that none existed from Fifth Third.
On XX/XX/2021 two transactions totaling {$1000.00} were withdrawn from our account originating in Florida. At this point, we had to close the account that weve had with Fifth Third for decades and open a new account. These funds were returned to our account.
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| 01/11/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I have a harp loan serviced my Fifth Third Bank. My loan was in forbearance due to covid-19. In XXXX of XXXX, I contacted the Banks home assistance program and made an application for a modification. My balance was {$81000.00} plus my missed payments of approximately {$6000.00}. My payments were XXXX a month. After several months oh, I had heard nothing from the modification Department of Fifth Third Bank. I obtained the number and called for information on my application and was informed that it was proceeding and I needed to make the three trial payments required under the program. I made those payments through an automatic ACH set up by the modification Department to Fifth Third in the amount of {$470.00}. After the 3 months, I received a check from Fifth Third returning one of the payments. At that time I called the modification department and was informed that because I had not made the three payments required that I did not have an application open. Their expert team evaluated my situation and informed me that I was told incorrectly and the ACH for the three payments was done in error. Therefore they would start a new application this was in XX/XX/XXXX. I made payments again but was only required to make two because they cancel that check Fifth Third sent me and used it for a payment. The modification Department did not know where the other two payments went or would not tell me what or where the money went. Near the end of XX/XX/XXXX I inquire about the closing of my modification loan and was told no hurry they were doing calculations and it wouldn't be finalized soon and I would get documents in the mail. I asked if I should send another payment and they said no. By the end of XXXX I had not received anything and I called again and was told that I needed active flood insurance. My flood insurance had been forced placed by the bank for several years because I could not afford FEMA amount they charged at {$3800.00} a year. I called the flood insurance department of Fifth Third regarding my flood insurance and was emailed documentation that my coverage was through XX/XX/XXXX. I had received a cancellation letter dated XX/XX/XXXX but it was late reaching me. So the flood Department email me documentation of coverage and informed me that at the time the XXXX closing of my modification was to take place that I was fully covered. There is much confusion and modification Department of Fifth Third and they could not or would not obtain the proof of flood insurance. However, they did send me a letter stating that I needed to provide flood insurance coverage proof by XX/XX/XXXX and if I did not know that foreclosure procedures would begin. Due to the error in their instructions about the first three month trial. Of payments in my first application, my modification refinance has been delayed many months. Now the second application has been delayed due to lapse of flood insurance which was fifth third 's fault. I am facing foreclosure proceedings on XX/XX/XXXX and I have begged for assistance from Fifth Third Bank to take care of this matter and I have not received any written communication or phone calls providing me any information regarding my second application. My workers name is XXXX XXXX. I had emailed her the proof of flood insurance provided by Fifth third 's insurance department because she could not obtain it. I do not know what to do next. I had written a letter to the senior vice president, XXXX XXXX and plan to mail it tomorrow register mail. I have requested that he look into the matter and stop the Foreclosure which was brought on by Fifth third 's error. I have made five payments since I first applied in XX/XX/XXXX. They have not provided me with information about my options, documentation of anything they have processed with regard to my applications,. The only thing I have received is the other branch of Fifth Third mortgage department requesting the amount past due of {$10000.00} which I do not have to pay due to the covid hardship. I am going to try to get a loan on my vehicle which is fully paid and try to pay this amount. I have decent fair credit score and that's XXXX and for a low-income retired state worker that's pretty good. I have never been late or missed a mortgage payment since XXXX. I had been treated unfairly by Fifth Third oh, they have deliberately withheld information from me, they have failed to inform me of my options under the cares act stimulus covid-19 forbearance and refinance modification mortgage. Fifth Third has displayed to me their intent to stall and get rid of my mortgage and foreclosed on my home deliberately. I do hope you forward this and try to help me. I am XXXX XXXX XXXX on Social Security and State retirement and I qualified for the previous HARP loan and qualify for this new homeowners assistance program modification or refinance due to the covid-19 hardship. Fifth Third has denied me deliberately by not disclosing information, contacting me and keeping me informed, they had put the burden on me and they had messed it up twice. Please help me if you can I found this site online. My name is XXXX XXXX. Fifth Third told me last week I no longer have a mortgage with them to stop calling. The modification unit under the homeowners assistance program tells me calculations are being made sit tight it will be finished soon however they have been telling me that since XX/XX/XXXX. I am going to lose my home and that is wrong for Fifth Third to treat me this way.
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| 10/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2022 I came in to Fifth Third Bank with my elderly mother-in-law. Unfortunately she has been diagnosed with having the start of early on XXXX. She has requested that I become her durable financial and medical power of attorney. Everything was presented to the bank properly and they made copies of the sign notarized forms. The forms were approved by the bank and everything was running smooth, so I thought ... On XX/XX/2022 I went to the bank to withdraw money as I've done before as the POA of the bank account and was told there was a note on the account. The tellers wouldn't go into complete detail until I demanded to know what was going on. I was then informed because of a personal situation I had with them ( Fifth Third Bank ) several years ago, which had nothing to do with my mother-in-law they want her to remove me as POA or they will close her account. They have put a freeze on her account which I did not find out until later that day, when I tried to make her car payment via phone and was unable to do so. I'm now going to back track a bit, earlier that day I was in the Bank drive-thru trying to make the initial transaction. I ended up inside the bank because I was told I needed to come in. So when they refuse to give me the requested funds I just went to the ATM and withdrew, what was needed. So now moving forward I can no longer make any transactions as the POA of the account. The bank stated that I only had two options to bring my mother-in-law into the bank to take me off the account as her POA or they are going to close her account as I stated before. I had informed them she has her good and bad days and I will not burden her with this issue. I also informed them she's very much afraid of the hurricane Ian and she's stating people are in her house that, aren't there. They will not release the hold so she can have her house bills such as mortgage payment, car payment, purchase her groceries and more importantly pay for her much needed medicines. The following business day I returned to the bank which was closed because of hurricane Ian. So the following day after that, I returned again with some important information. I let the bank manager know that what they were doing was illegal and furthermore they had every opportunity to make things right. I even asked if someone from the branch could come by the house so my mother-in-law can sign the necessary signature card to remove me from her account as POA. The bank manager told me they could not come by the house and besides no signature card could leave the building. I was willing to be removed so they can release the freeze on her much-needed funds. I also informed them the account only needed to stay open XXXX more month because she no longer would be banking with them and her direct deposit will be going to her new bank. Unfortunately the bank managers can't override what the legal department has done. I did however inform them they should have never allowed me to become a POA on a joint account, in the first place and what they should have done was open a totally different account. They informed me that my information was wrong, which I truly believe my information is correct and the only wrong information, Is on their part. I also informed them that I consulted with an over 20-year banking veteran and that's how I received this information. They also were informed If the bank had a problem with me becoming the POA they should have never allowed it in the first place. I'm fully aware a bank must accept or reject a POA within four days excluding weekends and legal holidays. On XX/XX/2022 they accepted me as the POA ... so I asked how they can go back and change what they already agreed upon. How can they hold an individual accountable for an issue they have with someone else? How can they deprive someone of their money and being able to pay for bare necessities, in order to live.
They can't answer the questions, because what they are doing is illegal. In my professional opinion I would not recommend anyone do any type of banking with Fifth Third bank, they lie to cover their own mistakes, instead of admitting they are wrong for what they are doing. They do not care about the customers, the well-being of them and have no integrity because if they did none of this would have happened, in the first place. The other sad thing is you can't even get a return phone call from the corporate office unless you make a complaint with XXXX. I see why this is a multi-billion dollar company. Hinder the poor by taking their funds, putting an astronomical hold amount on the individual 's account almost a XXXX XXXXXXXX dollars, to be exact and not following state and government laws, such as Florida Statute 709.2119, 709.2120 and 709.2120 ( 5 ) which indicates that if a valid power of attorney document is rejected, the bank will be liable for damages, including attorneys fee costs and legal action to confirm validity of the power of attorney. If a bank denies a power of attorney, they must state the reason in writing and provide a reason to the individual but unfortunately for Fifth Third Bank that wasn't the case because they already had approved it. It's so sad this has happened... I'm just trying to do what's best for my mother-in-law by keeping her safe making sure all her financial and medical needs are met and most of all not making a burden for her. It's been hard these last couple of months but in my heart Justice will prevail.
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| 04/02/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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I made a dispute on money lost to an ATM machine at the address XXXX XXXX XXXX in XXXX XXXX. I made multiple deposits between XXXX XXXX and XXXX XXXX on XX/XX/XXXX. Shortly after the ATM malfunction I called customer service to begin my dispute. As stated above, I made multiple deposits. The machine has a bill deposit limit of 25 bills at a time. The first deposit of {$690.00} went through, and can been seen in my bank account as a transaction listed as : XX/XX/XXXX XXXX Deposit XXXX - XXXX XXXX XXXX XXXX XXXX Oh On XXXX19 From Card # : XXXX {$690.00}.
I'm assuming the deposit says " On XXXX19 '' because I deposited on a Saturday, and it wasn't fully processed till the following business day of Monday XX/XX/XXXX.
In the past when making multiple deposits in one sitting, because of the 25 bill cap, they have listed in my account as separate deposits. For example, if we look back to my account history on XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX, I have several deposits to the same machine, in the same time frame, on the same day ( for each of these days ). This is because they are listed as separate deposits, due to the 25 bills at a time bill cap. I'm sure you are well aware of how deposits are listed in the account when making separate deposits, I just want to make sure I provide examples of this.
I actually have had issues with this exact ATM machine in the past ( note my only other dispute in late XX/XX/XXXX of this year, which was resolved for {$480.00} on XX/XX/XXXX ). However, last time I had money go missing in this ATM, the machine gave me the opportunity to type in how much money was taken, then printed out a receipt with instructions to consult a bank teller and begin my dispute that way. The difference here is that the machine did not do that. The machine accepted the money, then promptly broke. The machine froze for a decently long time period, while I waited, then began to shutdown and reboot repeatedly. I watched the machine reboot about four times.
When I called customer service and began my dispute I was asked how much money was taken and unaccounted for by the machine. I didn't know an exact answer and I suggested it could be something like " {$300.00} or {$400.00} ''. The women helping me said " For this form I need an exact amount. '' I asked if the bills would be counted by hand, since I wasn't sure and she confirmed they would be. I said, I should play it safe and assume {$400.00}. She put me on hold for a moment, and in this time I counted the bills I still had in my wallet, checked my account to see a deposit of {$690.00} from the first batch of bills, and did the math. The actual amount I had put in to the machine with the second batch of bills was closer to {$600.00} or {$700.00}. When the women returned from placing me on hold I told her that the {$400.00} from before was off and she reassured me that the machine would be counted, and the deposit amount which was taken by the machine before it malfunctioned would be retrieved, counted, and returned to my account. I was happy with that response, and the dispute claim was already placed. I assume that while I was on hold she had placed the dispute claim, and changing the money amount was not possible for that dispute anymore.
Later this week I opened a letter dated XX/XX/2019 from the dispute resolution department stating my claim has been denied. I want to assume the denial was based on the fact I gave the wrong amount of money when I was asked. I was under the impression that the 25 bill deposit just before the machines malfunction would be siphoned separately and could be counted by hand. This seems to not have been the case, and my assumption may have caused the denial in my dispute. I ask that this dispute is reopened and re-investigated.
Upon re-investigation I wish to have the ATM video footage pulled, which will show multiple deposits were made. If possible I would like the footage from the cameras ( there are multiple ) in the room of the ATM also be pulled and examined. I ask these things because at the very least you will find an additional deposit was made. The {$690.00} deposit in my account was the first batch of bills, and we will see that a second batch of bills were taken shortly after the first, yet there is no second deposit in my account. As stated above, in the past separate batches of 25 bills have shown up as separate deposits, and I want it to be clear the {$690.00} was not for multiple deposits, it was just the first deposit.
The only issue I see that may arise with pulling video footage, and I will leave this at your discretion to analyze, is that I vaguely remember a single XXXX dollar bill being returned because it couldn't be read by the machine. For the life of me, I can't recall if this XXXX dollar bill was returned after the 1st batch of bills, or after the 2nd batch of bills. I want to make sure that it doesn't look like dispute fraud when reviewing the videos.
Any other information you may need from me in order to make an informed decision on this I have no issue with discussing. I have been asked not to include any personal information in this email, and I've tried to do that. I'm sure my account can be found from your end based on the claim number I included as the subject.
Above is the exact email I have sent to the dispute team at the Fifth Third financial group 's dispute team.
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| 07/13/2022 |
Yes |
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- Trouble during payment process
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Web |
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I opened a mortgage with fifth third in XXXX and was offered points if I opened a checking account with them that the mortgage payment could be withdrawn from. I used the checking account for the sole purpose of paying my mortgage I typically put one to two months payments into my account at a time.
I was looking into possibly getting a new vehicle and checked my credit report on XX/XX/XXXX. To my shock my credit report was trashed, showing 8 missed payments on my mortgage when I had never missed a payment. My credit report showed 2 missed payments from XX/XX/XXXX and XX/XX/XXXX, and several missed payments starting XXXX of XXXX ( probably about to get another one because XXXX hasn't posted yet ). I have never received any notice that my account was behind.
After seeing this discrepancy, I immediately tried calling the bank, but it was after hours so I got on the fifth third website and spoke with XXXX. She first told me that my mortgage was behind a month and that it had been since XX/XX/XXXX. I explained to her that what she told me couldn't be possible as I have been making regular deposits and that the information on my credit report didn't support her account. She then " looked into it further '' and told me that I had " gotten off track in XX/XX/XXXX, getting back on track in XXXX of XXXX '' and that " what happened in XXXX happened again in XX/XX/XXXX. '' She informed me the bank reversed the payments. I asked if this was an issue with my checking account her response was, and I quote " You having a 5/3 checking account takes no effect on your mortgage payment. '' So apparently my 5/3 checking account has no bearing on my 5/3 mortgage even though I deposit the funds for my mortgage into that account and that my mortgage is pulled out of that account???
Monday XX/XX/XXXX I went to my local branch to try to get some answers and resolve the matter. It wasn't a whole lot of help but I was able to get some printouts of statements and a number to call. One of the statements was a monthly mortgage statement, I have never received a monthly mortgage statement. I also closed out the checking account that day. It was later in the day so I was unable to call the mortgage department as I was informed that they closed at XXXX.
Tuesday XX/XX/XXXX I called the mortgage department as soon as I got home from work. I still tried talking to them to figure out what exactly happened but was told that payments had been reversed. I talked with a rep and a supervisor neither was much help. The supervisor I spoke with was XXXX employee number XXXX. She pretty much told me that the payments were reversed and that was that. Would not help me with the issue that is plaguing my credit. She told me that the bank had tried pulling my mortgage payment on the XXXX and XXXX but was unable to process the payment due to insufficient funds. Checking my statement, the funds were shown to be in the account on XXXX showing that the mortgage payment was reversed after the funds were in my account. I also inquired as to why I had never been notified of a missed payment. I was told that I should have gotten a notice or phone call. I got neither. I told her that I was given a mortgage statement from the local bank upon my XX/XX/XXXX visit and inquired why I never received one ( I get my statements through the mail ). She said she didn't know and that they are online so I " received notice '' via a form I had no knowledge of. She was pretty combative and of no further help. I made a payment over the phone to bring my mortgage up to date.
I have done some more looking at my account on the fifth third website. Looking in my mortgage account details there is nothing stating my mortgage is behind, nothing in my inbox about it, alerts are specifically vague. Pay anything online and you well know that if you are even a day late you will see something in big bold letters alerting you to the fact apparently 5/3rd doesn't want you to know and expects you to hunt for it. Had I not run my credit I still wouldn't know.
Looking at the XXXX checking account statement shows {$3100.00} of deposits and an ending balance of {$1000.00}. Any information that might inform you that they reversed the payment from the 5/3rd mortgage to the 5/3rd checking account seems purposefully pushed to the second page.
5/3rd 's own documentation seems to be purposefully misleading if not fraudulent. Couple that with the fact that while all this was going on I have somehow not been receiving monthly mortgage statements. I have in the past deposited funds into my checking account a few days after the first without having my mortgage payment reversed if 5/3rd bank is changing its timeline for reversing such payments it has a responsibility to notify it's customers. 5/3rd 's actions in this instance could potentially violate the Fair Housing Act. It is also their responsibility to notify customers that they are behind on their mortgage as they have not done in any way, shape, or form in this instance. I have also, on multiple instances, had problems being able to make deposits into my checking account due to problems with 5/3rd 's website and app which typically seem to happen at the beginning of the month.
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| 08/11/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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On Tuesday, XX/XX/XXXX, my car was broken into and my purse stolen - including driver 's license, credit card, and debit card. At last one other vehicle was broken into at the same time, and it was all caught on video by XXXX XXXX in XXXX XXXXXXXX XXXX. Within 60 minutes of the break-in, all cards had been cancelled, and the bank notified of the theft. A police report was immediately filed.
Around XXXX XXXX., the thief tried to withdraw several thousands of dollars from a Fifth Third Bank branch in XXXXXXXX XXXX She was wearing a wig, and when she was asked additional identification questions, she demanded the teller return me ID and credit card to her, which she was using to impersonate me to gain access to our accounts.
At XXXX XXXX that afternoon, she tried again at a Fifth Third Bank branch in XXXX XXXXXXXX XXXX This time, the bank called XXXX, but the woman fled when she saw police. This branch captured video and still images of her. They also kept my driver 's license and credit card, so they were no longer in the thief 's possession. The branch manager at this bank ensured there were flags all over our accounts, said our money was safe, and that additional safeguards were in place to prevent people from accessing the money.
When I asked, during all of this, if we could freeze our accounts, I was told no, and that would money would be fine.
On Thursday, XX/XX/XXXX, someone presented two checks to the bank written out to me, with a forged signature on the back. The checks had NOT ever been deposited, but the thieves issued a " stop payment '' order on the checks, and Fifth Third Bank refunded them the money. We do have images of the checks we can present as evidence. One check was for {$2900.00}, the other for {$2400.00}, for a total of {$5400.00}.
We discovered the money was missing on XXXX, and immediately started the process of filing a dispute. I spent more than XXXX hours on the phone, being handed to different departments, getting disconnected while being " transferred '', and then finally being told I had to call a different department which, by then, was closed for the day. I went to our local Fifth Third Bank branch in XXXX XXXXXXXX XXXX on XXXX morning ( XX/XX/XXXX ) and sat with a banker to file a claim through her. Despite working for the bank, she too had to go through the same process we did with an XXXX number, and we were initially told that again was the wrong department. Finally, they allowed me to open a dispute, and I was told it could take up to 10 business days to resolve. It took more than 6 hours to even get a dispute filed, and may never have been able to without the insistence of an actual Fifth Third banker that money was wrong taken from our account.
We never received any confirmation of opening the dispute, or any communication from Fifth Third. When I called Fifth Third on XX/XX/XXXX, I was told there were no updates. When I called on the 10th business day, XX/XX/XXXX, I was told I was misinformed and the investigation could take up to 15 days, and there were no updates on the case at all. The banker from our local branch called and was given the same scripted answer, and no additional information.
When I called at XXXX XXXX. on XXXX, I was told the investigation was still ongoing, but there would be a resolution by close of business, and I would receive an email confirmation of such that day. When I called back after close of business, at XXXX XXXX., I was told there was no resolution and these disputes could take up to 30 days to complete. When I pushed back, I was told they would expedite the investigation, and have a resolution within 2 more business days ( XX/XX/XXXX ).
When I called at XXXXXXXX XXXX. on XXXX, I was again told there would be a resolution by XXXX. When I called back at XXXXXXXX XXXX, the line was closed.
I called back again at XXXXXXXX XXXX. on XX/XX/XXXX, and was told there was still no resolution, and despite my insistence and asking how I can escalate it, if I could take to a manager, etc., I was told I simply had to wait, and again guaranteed an answer by XXXX. When I called back at XXXX XXXX. on XX/XX/XXXX, I was given the same answer, and no way to escalate it. I asked if the bank would ever reach out or communicate with me, and was told no - it was 100 % on me to communicate, and when a resolution was found, we would receive information via USPS ; I would have to keep calling for answers.
I called again at XXXXXXXX XXXX. on XX/XX/XXXX, and received all the same responses - and no answers at all whatsoever.
As of today, it has been nearly one month since the money was wrongly taken from our account, and we have not hear from Fifth Third Bank on a single occasion, and spent hours and hours on hold, pressing for answers, and getting nowhere.
Fifth Third Bank has footage of the woman trying to impersonate me, there is an ongoing investigation with the XXXX XXXX XXXX XXXX Department, and other evidence to support our dispute to get our money back. But above all, Fifth Third Bank needs to be held accountable for giving someone {$5400.00} out of our savings account that was never deposited in the first place, despite all the red flags all over out accounts.
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| 05/19/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I have had this current account for a couple of years now and was pretty pleased with it for the most part up until recently. This account has been nothing but problematic as it relates to one ( 1 ) particular deposit in the amount of {$44000.00} ( hereinafter called the Deposit ), which represents my XXXX retirement funds from my previous employer, The XXXX Companies.
Unbeknownst to me, this particular account has a deposit limit of $ XXXX. I was not aware, however this should not be your problem, as I am the account holder and should be aware of the type of accounts I have. In my defense, this particular account is different than your usual or average checking account with a well-known financial institution or bank or at least the ones Ive banked with before. No documentation I have reflects this information including the Cardholder Agreement. This should have been conveyed to me the numerous times I spoke with different XXXX account representatives also referred to as account rep ( s ). Not one XXXX account rep told me of a deposit limit. The Deposit just kept getting rejected. I was then emailed by someone from XXXX who indicated that proof of The Deposit needed to be provided before it could or would be approved. Pertinent, relevant supporting/back-up documentation of The Deposit needed to be uploaded through the following link XXXX XXXX XXXX XXXX XXXX which I did several times just to ensure receipt. The Deposit was still not approved and rejected. It wasnt until I spoke to a XXXX supervisor who indicated that there was a deposit limit on my account. Had I known about this when I first dealt with said issue, we probably wouldnt be here now. No one said there was a deposit limit. I assumed it was a matter of documentation or proof being provided. I am still waiting on The Deposit. The documentation I had uploaded through the aforementioned XXXX document site referenced above even reflected the deposit amount. XXXX has had the relevant documentation or necessary information in their records for a while now and still, no one said anything to me about a deposit limit. I finally spoke to a supervisor who mentioned a couple of other options to receive The Deposit. She even stated not all XXXX reps may have access or know this information. Im not sure if thats accurate and if it is, not sure why that is. You would think that all account reps would have access to accurate and up to date information on accounts so they can work efficiently with the account holders. The other two ( 2 ) options to receive The Deposit were either 1 ) via check or 2 ) split it up into 5 separate ACH payments or deposit transactions. I did not think the latter or 2nd option was available to me, so I elected the 1st option, which is a check. When I did not receive a check, I followed up again. Apparently, another ACH was attempted to my XXXX account and The Deposit was rejected again. This last rejection of The Deposit was not the fault or doing of XXXX As you can imagine, I have been relying on The Deposit and dealing with these unnecessary delays, numerous conversations or communication with different XXXX reps/supervisors or lack thereof. It was at this point I finally inquired about the latter or 2nd option and if it would be available to me, and surprisingly, it is.
I believe all this could have been avoided had someone told me in the beginning that this particular account could not receive deposits larger than $ XXXX. Now, this last supervisor I spoke with on XX/XX/2022, assured me that this issue has been resolved and The Deposit will be split into XXXX ( XXXX ) separate deposits or XXXX payments, which the XXXX deposit of $ XXXX should hit my account by the next day, Thursday, XX/XX/2022, no later than Friday, XX/XX/2022. She even stated that she would give the bank a heads up just to ensure these transactions are completed. Unfortunately, with all that has transpired the past few weeks pertaining to The Deposit, it has really tainted my relationship with XXXX. I am not sure how long I will maintain or keep this account open and/or active. If I do not receive the total amount of the Deposit by XX/XX/2022, XXXX have no other choice but to immediately terminate this account and pursue all legal remedies available to me, including but not limited to filing a complaint with the following governing website : https : //www.consumerfinance.gov/complaint/.
Update : I have received 2 deposits, one ( 1 ) of $ XXXX on XX/XX/2022, and two ( 2 ) of $ XXXX on XX/XX/2022, however the 3rd deposit of $ XXXX that was issued on XX/XX/2022, was rejected. Why approve 2 out of the 5 deposits? I spoke to another XXXX rep on XX/XX/2022, regarding this issue and he indicated that there was a monthly deposit limit. Again, no one advised of monthly deposit limit. When the rep indicated that the XXXX option of the $ XXXX increments was available to me, she never indicated that there was a monthly deposit limit. You would think that an important detail like that would be provided/shared. This has been nothing but communication failures at its best. Now, I have to elect a different option to receive The Deposit. I am done with XXXX The services provided by XXXX are terrible.
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| 06/26/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Deposits or withdrawals
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Web |
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Hello, I have an emergency situation. A certificate of deposit from XXXX XXXX issued by XXXX XXXXXXXX XXXX XXXX, was deposited at Fifth Thirds bank located at XXXX XXXX XXXX in XXXX XXXX on XX/XX/2018 with me being unknowingly. The bank which issued it which was XXXX XXXX XXXX XXXX now known as XXXX, also known as XXXX XXXX XXXX on XXXX XXXX, originally agreed to transfer it to XXXX XXXX and they stopped the transfer I was supposed to get back with them to make a different arrangement to pay for the cost of the wire transfer. I was working originally with a man by the name of XXXX XXXX who owns XXXX XXXX XXXX XXXXXXXX, I got in a rush and provided my CPA/banker that I use from XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX ( contact number is XXXX ) he pretty much does check deposits for an entertainment company I work with. He transferred the money to Fifth Thirds with me being unknowingly ok XX/XX/2018 at XXXX XXXX. I was called by Fifth Thirds " fraud prevention '' which was a phone call from a guy from an XXXX area code phone number name " XXXX '' not in XXXX, that evening right when they deposited the money. He asked me " how much was the deposit '' I told him hold on, let me text XXXX the guy from XXXX who does all my banking deposits. His answer through a text was " {$950.00} ''. I told them it was {$950.00}, They're response was " we have to recommend your account for closure. '' Account for closure?? No the truth is this is tactic they use so I would not have the ability to withdraw or access the funds, fictionally " close the account '' take the money which was deposited in multiples transaction which occurred from the time of XXXX XXXX until XXXX XXXX the following day, with proof that the money stolen, I have a family member was at the bank in person who will attest to what happened, when they was rationing the money in the parking lot of fifth thirds. The facts are that you may not withdraw money from a persons bank account without a photo i.d . and I would have had to been in person for anybody to access my funds my account, they pretty stole my wallet id account information went inside the branch to extract the money, who was my aunt. The true amount they deposited was {$6.00} million dollars in my savings, and {$5.00} million in my savings. And truthfully I have made unlimited deposits at my other bank XXXX XXXX and they have never had to ask " how much was the deposit '' and it doesn't matter sends it, my account, my money, no reason required, and no you do not have to know how much a deposit is this is against the law. The following the reason i know they stole my money as in the ppl who work at the bank the following day they emailed me my account balance, my savings account was negative - {$500000.00} and savings account was - {$490000.00} overdrawn when the total money in both accounts was {$10.00} between the checking and savings before they deposited from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. No bank in America is allowing XXXX XXXX XXXX dollars in overdraft in an account with {$10.00} dollars in it. I feel like the amount was so massive that they recommend the account for closure to conceal the balance the balance and take the money. They made a " deal '' with my relatives to give them {$3.00} million, and they keep the rest of it which is in the account of XXXX XXXX at XXXX XXXX XXXX where they transferred {$410.00} million in the deposits I'm telling exactly where the money is stashed. This is a crime hands down. I'm awaiting on an attorney to call me back I have called a dozen attorneys they are afraid to approach, the money is now at XXXX and not at Fifth Thirds. The teller who gave away all my money named XXXX XXXX, works at fifth thirds on XXXX, they sat there and gave away XXXX XXXX dollars, unauthorized fraudulently stolen from my account, if its in my account that I just open it is against the law to take from a member of a bank account without me being present physically in person. Fifth Thirds on XXXX XXXX in XXXX XXXX stole my certificate of deposit from XXXX XXXX XXXX XXXX when they noticed it was such a large amount of money since the bank is FDIC insured or regulated by you guys, they have to go to XXXX XXXX XXXX where the money was transferred to conceal, and I have to be returned my monies from my certificate of deposit. I can attach proof of the certificate of deposit, and I can prove they transferred it from this bank, in town XXXX XXXX on XXXX XXXX. This is a financial crime at fifth thirds, they seen the deposit some through and told me they closing my account to steal this money. I have to be recouped the full amount of the certificate of deposit which totaled {$11.00} million dollars. My account, my certificate of deposit, my money period. I am seeking my monies being return in full including punitive damages, physchiatric suffering, and then some. My contact is XXXX. My email is XXXX. I currently bank with XXXX XXXX and XXXX XXXX, I want my monies returned, I can provide proof of this transaction, proof of withdraw, and the contact for XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX on XXXX XXXX in XXXX XXXX ). Please contact me for further instructions and request.
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| 12/13/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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To Whom It May Concern : My complaint involves the company XXXX XXXX XXXX XXXX, a debt collection company who has regularly engaged in unethical business practices. My experience with them is recent, XXXX XXXX, XXXX - I had a voicemail ( and have saved ) to call their offices. The number they called me from is XXXX. It was an automated message that states, " Urgent voicemail message. We have sent multiple correspondences with no response and it is currently past the compliance period. Continued failure to respond can result in our recommendation of escalation without your personal statement being included. Please contact us at XXXX. '' When you call the line you ca n't get a live person and you are forced to leave a voicemail or hang up. I decided to leave a message because I had no idea what this voicemail was in regards to. A gentleman who said his name is XXXX XXXX called me from the number XXXX, which is a XXXX, Ohio area code. He stated that I owe money from an old bank account through 5/3 Bank. He did not give me the amount that I owed and I hung up with him and called 5/3 Bank. It is true that I used to bank with 5/3, from the XXXX 's until XXXX. I closed the account on XXXX XXXX, XXXX ( confirmed in a recorded call to 5/3 ) after moving from Ohio to Florida because they only had one branch location and I opened a new account with a different bank. I spoke to a collections specialist at 5/3 who stated that my account showed a XXXX balance and that even if I did owe the bank, the debt was so old they could no longer tell me how much the balance was. 5/3 also stated that at that time they used a company called XXXX for debt collection and they went out of business. 5/3 Bank does not employ the XXXX XXXX XXXX to collect debt on their behalf. I called XXXX back and let him know all of this and he insisted on calling 5/3 Bank while I was on the phone. There is no way for me to confirm that he really called 5/3 Bank. What I can tell you is that he has my social security number, my old checking account number, and an address in XXXX that I do not reside at. The person that XXXX called stated that at one time I did have a balance at 5/3 Bank, but again, no amount was stated and then XXXX hung up on them. XXXX then told me that at this point it 's an ethical issue and that he would settle this account for around {$230.00} but I actually owe {$300.00}. He said that I could be reported to the Chex system if I did not pay this and be reported to the credit bureaus. He then stated that if I did n't settle my account today ( this particular call took place on XXXX/XXXX/XXXX ) that interest and fees would add up to over {$600.00}. I asked for him to send me something in the mail with documentation from the original creditor ( 5/3 Bank ) because I needed to see something in writing, especially after my conversation with 5/3 Bank who advised me NOT to pay him and did use the word " scam ''. Again, this is recorded and can be proven. XXXX refused to mail me documentation and said he had already mailed me something and we were past the point of compliance. I was able to get him to agree to email me documentation. I did bring up that IF I truly did owe this debt, it was past the statue of limitations and this debt is considered time-barred. He then told me that in Florida that XXXX had changed and that even though it 's 5 years now it used to be longer and I fall under the old XXXX so they can come after me. I told him I was going to speak to an attorney about this and XXXX said he 'd be happy to speak to them too but that I needed to pay this now or I have 24 hours to pay them at most before they go after me.
I have since called 5/3 bank and a woman by the name of XXXX has been assigned to my case. She specifically told me ( and again, another recorded call that can be pulled ) that even if I owed them at one point they can not see what the amount was because it 's so old. She then told me that they have asked XXXX XXXX to quit collecting debt on their behalf ( their legal department is now involved ) so clearly I am not the only one having this issue. XXXX is the one that told me XXXX went out of business and then a year or so ago this XXXX XXXX XXXX popped up trying to collect on really old debts. She also called them a scam and told me to avoid their calls. I forwarded her my letter sent from XXXX via email and she said she was passing it to their lawyers.
I have also spoken now to 2 different attorneys - one in Florida and one in Ohio. Both advised me to not pay this guy and BOTH called the XXXX XXXX XXXX a scam. They both confirmed that XXXX is full of it when it comes to the SOL ( which does n't even fall in Florida because I did n't open the account there ) and that he is engaging in unethical business practices. The Florida attorney looked up the address they provided which is n't even a real office building. Their website is " under construction '' and their are law suits in Illinois against this firm.
I want them to quit calling and threatening me. Further, I know I am not their only victim and this needs to stop. I am also reporting to the attorney general 's office in both Ohio and Florida.
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| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Dear Sir or Madam : I, XXXX XXXX XXXX ( the Complainant ) had knowingly, willfully, and lawfully accessed my online XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit file account dated on XX/XX/XXXX, at approximately XXXX and XX/XX/XXXX at approximately XXXX because I had received an emailed alert message. In which, XXXX had indicated into my XXXX XXXX XXXX XXXX XXXX ( XXXX ) score XXXX had suddenly decreased from XXXX to XXXX points from using the XXXX score XXXX calculated formula dated on or about XX/XX/XXXX. After, Fifth Third Bank, who is my Banking institution had officially reported to XXXX, my timely purchased and paid transactional activity stated into my Fifth Third Banks Secure Credit Card account number ending in XXXX on or about XX/XX/XXXX, as shown onto my Fifth Third Banks Secure Credit Card statement dated from XX/XX/XXXX, to XX/XX/XXXX. See Exhibit A. So, my question to XXXX team is how can this be conceivable or possible for my online XXXX score XXXX to decrease from XXXX to XXXX points or drop XXXX points when I am exactly at the 10.39 % which should have been rounded to 10 % of the required threshold from my Fifth Third Bank calculated and reported transactional purchase of {$31.00} divided by {$300.00} dated on XX/XX/XXXX?
In addition, I had noticed into my online XXXX credit file account an assailant/identity thieve who had subscribed by a fictitious name [ s ] had knowingly, willfully, deliberately, and unlawfully accessed my online XXXX credit file account dated on XX/XX/XXXX, and XX/XX/XXXX, by means of running a soft inquires to which, I had not authorized any person nor was I in my online XXXX credit file account on those days stated herein. Once I had accessed my online XXXX credit file account than an online XXXX soft report is automatically generated within my online XXXX credit file account except when I am lock out of the automatically generated soft inquiries online XXXX credit reports because of an assailant/identity thieve who had subscribed by a fictitious name [ s ] had intentionally blocked me from generating my own online XXXX credit report in the month of XX/XX/XXXX. After, the assailant/identity thieve who had subscribed by a fictitious name [ s ] had somehow, and unlawfully accessed my online XXXX credit file account dated on XX/XX/XXXX, and XX/XX/XXXX without my lawful authorities. And, almost immediately after, I had lawfully changed my username and password dated on XX/XX/XXXX, at approximately XXXX and XX/XX/XXXX, at approximately XXXX, and I am automatically locked out of generating my own online XXXX soft inquiries credit file reports without my lawful authorities. See Exhibit B. And, I did not have any other online XXXX credit file account activities except for my Fifth Third Banks Secure Credit Card account number ending in XXXX for my online purchased and transactional activities since XX/XX/XXXX.
As a result, I am experiencing identity thefts problems ; after, the assailant/identity thieve who had subscribed by a fictitious name [ s ] had knowingly, willfully, and unlawfully gained unauthorized accesses to my online XXXX credit file account than the assailant/identity thieve had made copied and/or distributed my online XXXX credit reports dated XX/XX/XXXX, and XX/XX/XXXX. In order to directly hand into any banking and/or educational institutions, vehicle dealerships, payday loans companies, employers, employment and/or rental agencies my unauthorized online XXXX credit reports soft inquiries without those banking and educational institutions, vehicle dealerships, payday loans companies, employers, employment and/or rental agencies processing my legitimate authorized XXXXXXXX XXXX credit reports by ways of XXXX XXXX compliance procedures in accordance XXXX the Fair Credit Reporting Act ( FCRA ). Nor have I notarized instruments by ways of those collections of a [ n ] Powers of Attorney, Affidavits or Waived Rights documents to those assailant/identity thieve who had subscribed by a fictitious name [ s ]. And, those assailant/identity thieve who had subscribed by a fictitious name [ s ] had executed those notarized instrument [ s ] or waived rights document [ s ] without my : authorizations, consents, acknowledgements, and knowingly and willfully participation into a said forged or fraudulent notarized instrument [ s ] or waived rights document [ s ] conspiracies pursuant to the Title 18 U.S.C. 1028. Nor have I been legally married to any person and my familial status is still a single person. Also, I had noticed, I could not retrieve my XXXX online annual free credit report from the XXXX dated on XX/XX/XXXX, and I had received an error message is as follows : Were sorry, a condition exists that prevents XXXX from being able to accept your request at this time. See Exhibit C.
What exactly are those condition that exists for which prevent me from accessing my own free online XXXX free credit report from XXXX web application account? I had already sent photographs of my identification documents by ways of XXXX upload in order to access my free online XXXX XXXX web application account dated on XX/XX/XXXX.
Respectfully Submitted, XXXX XXXX XXXX
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| 07/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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All times in Central Standard Time. All calls were made to and from the phone number ( XXXX ) XXXX.
XXXX Call at XXXX XXXX- set up two payments with agent in multistage collections for {$330.00}. One payment for XX/XX/XXXX, the second for XX/XX/XXXX. Collections agent told me that this would pay off the loan.
XXXX Payment 1 drafted from account XXXX Payment 2 drafted from account XXXX Took call at XXXX XXXX from collections department, saying money was still owed on the account. Told agent that I would call back when I had a chance to actually talk about it to figure out what was going on.
XXXX- Made call at XXXX XXXX to collections department, requested to speak to a supervisor to ask what was happening. Cold transferred five times within call between collections and customer service, no one said they were the right department. On fifth call told supervisor that anymore cold transfers would result in communication through a lawyer. Someone needed to just review the notes and tell me what was happening. The supervisor said he would warm transfer me to customer service, who he said would be the correct department. While on hold for customer service the supervisor said he reviewed the call, and the agent I had spoken with was named XXXX XXXX, and confirmed that she had taken the payments and told me that my account would be paid off, but also explained that she had told me my balance, not my actual payoff amount. Also said that she had written in account notes that account would be paid off. No one in customer service answered, supervisor said he would escalate it to his manager, and I should call back by the end of the week to get an update if I hadnt heard anything.
XXXX Made call at XXXX XXXX, asked to escalate to supervisor. Was kept on hold, then when supervisor picked up the call was disconnected. Call lasted 25 minutes and 30 seconds.
Made a second call at XXXX XXXX Call was bounced around five departments, and I spoke to twelve employees, including five supervisors. Different supervisors confirmed seeing notes from the call on XX/XX/XXXX, but when I finally got to someone who could tell me why I owed money they told me I was being charged interest on late fees that had been paid, which seems illegal, but apparently is just a scummy business practice. This call lasted 2 hours, 13 minutes, 11 seconds between all the transfers. At that point I was just tired of having wasted an entire afternoon hearing multiple people from the same company tell me stories that didnt align, and I decided to just set up the payment so it would be done. Set up a payment with a supervisor in multistage auto collections.
XXXX- Received 4 collections calls during the morning while working. Checked account and noticed money had not been withdrawn. Called collections number, and was told my bank had reversed the transaction. That supervisor asked me to set up a payment on that call, and I told him absolutely not, because two times I had set up payments and been told the account would be paid off, then received collections calls. I told him I would figure out what was going on, but that my next communication to the company would be through a lawyer, because I was so tired of dealing with setting up payments and being lied to. Called my credit union, was told that no charges had come through from 5/3 Bank, so none could be reversed, giving further evidence of yet another lie from a 5/3 employee.
All I want is to have my car paid off. The amount is not a concern. The fact that I have been told twice that my account would be paid off with payments I arranged, and then failure on the part of the company to train their employees resulted in this not happening. I will pay whatever I actually have to pay, but I will not set up a payment with some random collections agent again hoping that it will actually work this time. The fact that multiple people who identified themselves as supervisors do not have access to the same notes indicates that either there is a flaw in the system, or the people who I spoke to outright lied to me. The supervisor in multistage auto explicitly told me that the agent I
spoke to did not say the things she said to me, and told me that there were no notes from the supervisor I had spoken to the week before. I believe that she is trying to
protect her employee, as XXXX is in her department. I was also told that I am being charged daily interest of two cents, but the amounts I have been told do not make sense if it is only going up by two cents per day. I also should not have to pay interest on a payment I did not even know I owed because an employee was so poorly trained she did not know the difference between a balance and a payoff amount. I am tired of being lied to. I am tired of speaking to entry level representatives who have no access to look into the account, and this includes supervisors who have inconsistent access to notes on the accounts. I need someone who has actual authority and clearance to review the calls, to set up a way that I can make whatever payment I need to make, and to make sure that employees are not lying, and are adequately trained to do their jobs.
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| 08/04/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I am submitting this complaint after multiple failed attempts to resolve this issue with my bank, 5/3rd. On Friday afternoon, XX/XX/29 I contacted the bank to request a stop payment on two checks ( that were made from my personal checking account ending in XXXX ) out to XXXX XXXX XXXX, a real estate lead service I had terminated the relationship with after they breached the terms of our service agreement. The termination was effective immediately and therefore required to cancellation of two checks for {$1000.00} each which I had recently mailed to the company in the same envelope. I spoke with a representative in the checking department and requested that checks XXXX, and XXXX, both made out to XXXX XXXX XXXX for {$1000.00} each be stopped. The representative first checked to confirm that these checks were not processing and after doing so indicated he could help me with this. After a few minutes the represented confirmed with me verbally that he had stopped both checks. I asked him to send over an email confirmation of this so I would have something in writing and he advised his system did not allow this but that a letter would be sent confirming the checks had been stopped. Again both checks had been made payable to the same entity and were sent in the same envelope and it was both checks that were confirmed to have been stopped by 5/3rd 's representative. The following morning I checked my account dashboard and found that my checking account was overdrawn and that the two checks had been deducted from my account! I immediately called 5/3rd and was advised that in fact the representative from Friday failed to stop payment on both checks and in fact had only stopped payment on check XXXX. They further advised that both checks had been cashed and that at this point there was nothing that could be done about this as the stop payment hadn't been received in time. I asked that the called be escalated to a supervisor. I spoke with the supervisor who looked into the matter and basically provided the same suggestion that the checks had posted and would clear and that 5/3rd wasn't liable for this and couldn't guarantee stopped checks. Shortly thereafter I received a notification that there was a notice that had posted to my account. I opened this to find the letter confirming the stop payment however, the notice indicated that only check XXXX had been stopped, check XXXX had not. The notice also reported the check was made to XXXX XXXX XXXX, rather than XXXX as I had advised. The notice also indicated that in the event I experienced a financial loss because 5/3rd paid the transaction described in the letter, I would need to provide written documentation to request reimbursement. I immediately called the bank back to discuss this further with them. This rep advised that while check XXXX was processing, it would not clear and she advised that the funds would be returned to my account on Tuesday XXXX, however, there was nothing she could do regarding check XXXX. I once again requested the call be escalated to a supervisor. When I spoke with the supervisor she suggested that in fact both checks would clear however, there was nothing they could do about this as it wasn't a mistake on the banks part and rather a " training opportunity ''! Apparently 5/3rd is aware it isn't adequately training its staff and attempting to force their customers to pay for the bank 's employees mistakes! As it turns out the supervisor 's were not correct and on Tuesday the funds associated with check XXXX were returned to my account, however the bank did process and release the {$1000.00} associated with check XXXX due to their failure to also stop this payment. I have since spoken to multiple parties at the bank and have requested a copy of the original call I made last Friday requesting the stop payments which 5/3rd confirmed they record. 5/3rd has refused to provide a copy of this call advising they do not release these and that they are for training purposes only! I advised them that they were not to delete this recording as if they failed to correct their mistake and to return my money to me I would subpoena a copy. I have spent the last 6 days trying to resolve this with the bank, a bank I have been a customer of for well over 10 years and a bank that has my personal and business accounts, as well as my wife 's personal and business accounts and a business loan. They continue to insist that they have not made a mistake but refuse to proceed a copy of the recording ( which would prove otherwise ) and are insisting that instead this is all nothing more than a training opportunity for their staff! 5/3rd needs to return my {$1000.00} to me as again they failed to cancel check XXXX as requested, and which their representative had confirmed he had done and therefore they are liable. They can not suggest that the stop payment might not have processed as the request was made for both checks to be stopped the same day, and XXXX attempted to cash them together. Therefore the fact check XXXX was stopped, confirms had XXXX also been stopped as requested the processing of this payment would have also been prevented.
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| 01/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Coronavirus pandemic : I entered into Covid assistance forbearance plan w my federally backed loan on XX/XX/XXXX. I had this in place until end of XXXX, XXXX, = 6 mo. I was able to resume payments XX/XX/XXXX.
Side note : in XXXX I got vaccinated, ( XXXX a XXXX XXXX, doing homecare treating recovering Covid Pos patients ). My spouse and my XXXX yr old got vaccinated. No problems there. But in XXXX, I did get XXXX XXXX my spouse got XXXX XXXX and my XXXX yr old XXXX got XXXX. Hmmmm.. well bummer, it was like a domino effect.. I HAD TO be off from work for 10 days, my spouse was off from work for around 14 days ( hes not a health care worker, so his work isnt as up to date on the XXXX rules like my place, so they made him take extra time off.. they went by the date of his Positive test, not his onset of symptoms, which is actually the correct way to start counting the 10 day time out ).
Either way, we got put behind on our mortgage.. Im the primary breadwinner, so managing myself, our daughter, and my sick spouse put everything behind.
I immediately contacted XXXX mortgage, my housing lender and I requested the months of XXXX, XXXX, and possibly XX/XX/XXXX, reprieve because essentially my household was off track at a minimum of XXXX month. I was informed by a customer service XXXX XXXX XX/XX/XXXX that I was approved for a XXXX 3 month extension.
One week later, I was contacted by XXXX again, some other customer service rep stating I was Not eligible for XXXX additional months because I had already Used 18 months of their forbearance program??!!
What? I only used 6 months in XXXX.
After 5-6 very upsetting ph calls to XXXX customer service reps, I was informed that unbeknownst to me : I was continually enrolled in the forbearance program, despite the fact that I started paying in XX/XX/XXXX. So, I basically USED UP ALL MY FORBEARANCE TIME- despite never even knowing that I was enrolled in a program that I wasnt even using. So, I was told, the maximum allowed months that can be used is= 18 months.. which unfortunately expired XX/XX/XXXX, so me asking for assistance in XX/XX/XXXX, was a no go, because 18 months had expired, even tho I only USED 6 months of forbearance total. Ughhhh.. beyond frustrating, and several customer service reps put me on hold to ask their managers, And this is the same story I was told. Hmmmm, makes absolutely no sense to me.
I specifically spoke to a 5/3rd rep back when I began to repay the mortgage in XXXX XXXX, and I agreed that : yes, obviously the forbearance period was over.. because thats the reason I began paying again. Why in the world would I still be enrolled in a forbearance monthly program, that I wasnt even using???
The 2 current customer service reps both stated they didnt understand either maybe their understanding isnt correct. Shouldnt an individual have a TOTAL of 18 months ALLOWABLE time to use forbearance? Even if its 6 mo. In XXXX, and 1-3 months in XXXX equals only 9 months forbearance used. Save 9 months that payments are being currently made.
Exhausting, totally. I was told to fill out the hardship packet : which we did and emailed to the hardship email at 5/3rd on XX/XX/XXXX. I got 1 ph call back immediately, and was excited that they were reviewing my info. And seeing how ridiculous this whole program is. I was told by 2 customer service reps on XX/XX/XXXX that it would take 7-10 business days to get a call back. Add 10 days we r into XXXX, so I knew everyone was off. Still no call from their Hardship office, but, of course I got 6-7 hard copy letters that we were now Delinquent!!! Of course, why not?!!!
So, I called customer service hardship line back, and was told that yes the first 2 pages of my 30 pg request they did Receive, but nothing else. Why I asked, more frustrated than ever. Oh, thats because that email address has been broken now for many, many days..nervous laughter from that poor gal, sounded like she was the only one in that department. Oh my head!!! Wow!! This is my financial institution? The one that holds the lease on my life?? Wow, wow! How dismayed I was.
XXXX XXXX, she gave me her personal email, and direct phone line.. and we emailed the XXXX pages again to her.
This is where it stands right now, and Im still now behind by a minimum of 2 months at least, and still Not sure if theres any XXXX relief for my mortgage, even after doing everything right. Asking for help right away in XXXX, starting repayment in XXXX, getting vaccinated, supporting my entire family while being a frontline worker and literally exposing myself everyday treating actively positive XXXX patients in their homes, going home and stripping my clothes off and running into my shower so as to not expose my family to XXXX when it all started in XXXX.
Andddd this is the help I get? Huh.
If this statement can be reviewed by a knowledgeable person who can see how this 18 month program thingy does not make sense ; Id gladly appreciate your insight into it. Or- at least a little reprieve of some sort for my pain and suffering. Ha. Im only asking for 2-3 months of assistance right now. Anyone out there to help?
Thanks for listening
|
| 10/10/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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SUMMARY : Fifth Third Bank enrolled me in a payment deferral program without my authorization or knowledge, XXXX XXXX-style. Despite my multiple attempts and many hours spent on communication since XXXX, they have been unable to correct their mistake, or to provide me any details of the additional interest accrued during the period of their fraudulent enrollment of me into a program I never requested, nor ever approved.
DETAIL : In XX/XX/2020, I called all of my creditors to inquire about any deferral plans offered. This included Fifth Third Bank, with whom I had a HELOC. With other creditors, I was able to converse directly with a representative, and received written details of their offers. With Fifth Third Bank, I was given only the option of leaving a voice message. As no one from Fifth Third returned my voice message inquiry, I let it drop. ( I ultimately did not opt to enroll in any of my creditors ' deferral offers. ) In XXXX, having drawn additional funds from my HELOC, and noticing that the monthly autopayment amount extracted by Fifth Third from my checking account had not increased, I inquired with my local branch. After a week, a branch representative informed me that I would need to inquire via a toll-free telephone number at Fifth Third Bank to learn about the status of my account.
Throughout XXXX, and multiple calls to Fifth Third Bank 's toll-free number, I learned that I had been enrolled in Fifth Third Bank 's payment deferral program at some point between XX/XX/2020 and XX/XX/2020. Upon learning this news, I requested a copy of Fifth Third Bank 's proof of my authorization or agreement or acknowledgement that I had opted to enroll in Fifth Third Bank 's payment deferral program.
Despite requesting a case number, reference number, direct contact details, or even the first and last name of the representative fielding my calls, I was told that none of these, other than the representative 's first name, was available to me. With hold times for reaching anyone exceeding 30 minutes, and having to start from the beginning each time I called, and being told each time that they would investigate, I was finally, on XX/XX/XXXX able to reach a supervisor who acknowledged that I had been signed-up for payment deferral without my knowledge or agreement or authorization.
I requested to the supervisor, XXXX, the total balance due had I not been enrolled in the program. I informed her that I would like to make all payments due to date, and to have the accrued interest credited to my account. She agreed, and informed me that it would take until XX/XX/XXXX or XXXX to make the calculation and communicate it to me. I thanked her, and asked for her extension number so that I could call her if she did not call me back by XX/XX/XXXX.
She informed me that she would be out of the office all week, and that she was handing my case to her colleague, whom she assured would reach out to me by XX/XX/XXXX. She shared her colleague 's direct line and extension number with me, and I confirmed it with her twice, and then marked my calendar for XX/XX/XXXX.
On XX/XX/XXXX, not having heard back from anyone at Fifth Third Bank, I dialed the direct number that had been provided to me the week prior. When a Fifth Third Bank representative answered the line, I shared with him the extension number and was told by the representative that the extension was not in the company directory. So I provided the first name the supervisor that XXXX had providedXXXX. The representative stated that there was neither a XXXX nor a XXXX in his directory.
The representative invited me to share my issue with him. Having had to repeat my story from the beginning several times already, I asked if he would transfer me to a supervisor. He agreed, and I spent 37 minutes and 19 seconds on hold for a supervisor. When a representative answered, my phone was unfortunately on Mute. In the three seconds it took to unmute my phone, the representative hung-up.
It appears that Fifth Third Bank has un-enrolled me in the deferral program because, during my time on hold, the recording stated a
payment amount that was significantly higher than the monthly payment amount being withdrawn from my Fifth Third checking account since Spring 2020.
It does not seem legal or ethical to enroll a customer into a program that was not requested, not authorized, or agreed to by the customer, and then not notifying the customer that they had been enrolled in that program. Further, not giving the customer any route to remedy the situation, even after more than six hours of effort, is beyond frustrating.
My request is for a monthly accounting of the HELOC account as it would have been with no deferral plan, for Fifth Third Bank to refund accrued interest due to the deferral program, and to accept my lump sum payment for whatever amount would otherwise have been due over the months that I was unwittingly enrolled in the bank 's deferral program. I would also like to request, going forward, to not be forced to participate in any optional Fifth Third program without my acceptance, agreement or authorization.
Thank you.
|
| 12/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Complaint is about my mortgage escrow account. XX/XX/18 We received a letter in the mail on XX/XX/2018 from our homeowners insurance company stating our premium payment is past due and our insurance will be cancelled if the minimum amount of {$670.00} was not paid by XX/XX/2018. XX/XX/18 I reached out to my insurance company to see if this was an error because our mortgage is up to date and we have never be behind on payments. They informed me they did not receive the payment and that I should call my bank. I called my local bank representative at 5/3 Bank. She said there were some issues on their side, something about changing a program. She explained this was not our fault and said she will take care of it. I questioned her more and she said they would overnight a check if needed to make sure our policy does not lapse. She asked me to email her the cancellation notice, which I did right away. I also emailed her the address of where to send an overnight check per the instructions of my insurance agent. XX/XX/18 I received an email from my local banker saying she sent this request up for URGENT payment and wanted to let me know she will be checking on it daily. XX/XX/18 I called my insurance agent to see if they received the payment. They had not received any payments. I called my local banker to find out why the check had not been sent out. I was given an explanation that they have 1000s of customers that are going through the same thing and that they were paying out by due date, mine not being due until XX/XX/18. I dont understand why this process is taking so long, so I questioned her if in fact they still had the money in my escrow. She was quick to assure me the money is there and it was just the process that was taking time. XX/XX/19 I called my insurance agent to see if they received the check. They did not. I called local banker and left message. Called bank on national phone number and spoke to a XXXX who said the check was cut on XX/XX/18 and it was next day aired. I asked what address the check was sent to, he didnt have an answer but he would put me through to someone who did. I was on hold for over 30 minutes then I hung up. I received an email from my local banker, she confirmed the check was written on XX/XX/18 and then overnighted on XX/XX/XXXX. I responded to see if the check was mailed to the correct address. She replied she has sent them the accurate address per my agents request and said she will obtain proof of delivery. I call my insurance agent late in the afternoon to see if they received the overnighted check. They said no and that they had already received their deliveries for the day. XX/XX/XXXX I emailed the following message to my local banker. At this time our insurance company has not received a check yet. I want you to know that I will not let my insurance lapse. This afternoon if a check is not received I will go to my insurance company and write them a check. I feel this is my only option. I will expect some sort of compensation back from the bank. I am baffled that this is taking so long to get taken care of and have been very disappointed with 5/3 response to the issue. I realize this is not your fault and you are doing what you can on your end. However, if you could relay this message to the powers that be I would appreciate it. Thank you for your time. XX/XX/XXXX At this time I was ready to write a check just to keep our home covered. Local banker emailed back reiterating the check went out and that I should be receiving a phone call from the Escrow Department. I received an email from the Escrow Department stating that the check was overnighted on XX/XX/18 and received on XX/XX/18. She apologized and said she would be calling me shortly. She called and the first thing I asked her is what address she overnighted the check to. She explained it was overnighted to the insurance company and not my agent. When I questioned why she didnt follow instructions she had no real answer for me. She said she called my insurance company to see if they had received the check and they did however it will take 48 hours to process it. She asked them to extend the date so that my insurance wouldnt lapse and they agreed. I ask her to call my agent to explain what is going on. XX/XX/18 In the morning I went to my insurance agent to confirm they received the call from the Escrow lady and they confirmed they did in fact receive her call. They stated that we should be covered now and will keep an eye on things to make sure all is good. I later received a call from my agent saying the insurance company processed the check and we are good. The problem was resolved however I just can not believe it took this long, especially when I alerted them early enough to fix the problem. We have always been in good standing on our loan. This whole ordeal was very frustrating and should have never happened. Please know that my local bank representative was very helpful and did everything she could within her power. I felt the issue lies within 5/3 Bank Mortgage department and I would have expected a lot more from a National company like them.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I fell delinquent on my Fifth Third credit card ending in # XXXX in XX/XX/XXXX. I signed up for a hardship program with Fifth Third online to begin in XXXX and was approved to make $ 31 monthly payments for 6 months. I never received the agreement by mail or electronically and was never given specific details of the hardship. I was just advised through the online program that the service would start with an XXXX XXXX from Fifth Third from my XXXX checking account for 6 months.
My first payment was XX/XX/XXXX. Each payment thereafter was made, XX/XX/XXXX, XX/XX/XXXX. For the XXXX payment, something went wrong, where the payment on Fifth Third 's side was returned. My XXXX checking account had funds to withdrawal the payment. I spoke with Fifth Third in XX/XX/XXXX and they could not identify why the payment was returned but i agreed to pay the delinquent amount of {$71.00} at the time. I was assured at that time, the payment agreement for {$31.00} would be taken out and expire in XX/XX/XXXX, last payment in XX/XX/XXXX. My payment was pulled XX/XX/XXXX and XX/XX/XXXX for {$31.00} on the agreed amount.
I received a notification from XXXX stating that Fifth Third reported me delinquent for XX/XX/XXXX. To my shock, this is incorrect. I found that they reported me past due for {$4.00} when in fact, Fifth Third was pulling my {$31.00} amount and nothing was past due according to my phone call in XX/XX/XXXX.
I am not disputing that i forgot to make my XXXX payment by myself, as the hardship was expired. I made a payment of {$36.00} on XX/XX/XXXX. Yet, i still was reported past due.
My complaint is a multiple of complaints.
# XXXX - I never received the hardship program agreement that I agreed to. Still to this day I have asked for a copy and have been told I should have already received it. I did not, yet they will not provide me with a copy of this said agreement.
# XXXX I was reported past due for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, and according to the customer service department and my review, it was due to a {$40.00} late fee. I was never told I had a late fee and was never told that within this hardship I would still be reported past due. To my knowledge this hardship amount was to help me. According to customer service, the hardship was to help lower my payment but to also allow me to bring the past due current. I was never advised this ( again I have asked 2 times now for the original agreement I agreed to online and they will NOT provide me with a copy ) When I spoke with customer service on XX/XX/XXXX, the individual stated that I applied online, and if I applied with someone over the phone, I would have been told the specific details of the hardship. Why would I not be given the specific details of the hardship online? Why even offer the application online if the information is not being delivered accurately and truthful? This is totally a bait and switch tactic for individuals to apply for a hardship online and not give them full details of the program. That I had to speak with a live representative on the phone, who would have given me all of the specifics in and out. I dont think that is compliant and legal.
# XXXX According to customer service, my hardship expired. I was also told it would expire in XXXX, therefore leaving me to pay my monthly payment back to the original amount. Yes, I forgot to pay this and again made a payment on my account on XX/XX/XXXX. Customer service confirmed today that I am not past due and have a payment due on XX/XX/XXXX. Yet, I am being reported past due according to XXXX in XX/XX/XXXX. Due to a past due amount of {$4.00}. How am I passed due when I was told in XX/XX/XXXX, I was current, and my payments of {$31.00} were made on time and accurate for XXXX and XX/XX/XXXX? Customer service said they did not receive payment for XX/XX/XXXX, when I see that they auto ACH debited my XXXX Checking account for {$31.00} on XX/XX/XXXX. Where and why did a {$4.00} amount come in effect if Fifth Third is pulling my funds up until XX/XX/XXXX?
I believe I have been taken advantage of by Fifth Third and their Hardship program. I was never given the proper information and details of their program, and still havent been given the documentation to what I agreed on. I also believe I am being reported to the credit agencies incorrectly and unfairly. Not just the most recent reporting, but also reporting for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.
I have attached a search from my XXXX checking account for ACH Debits. You can see the dates and amounts listed.
XX/XX/XXXX - {$31.00} XX/XX/XXXX - {$31.00} XX/XX/XXXX - {$31.00} XX/XX/XXXX - {$71.00} XX/XX/XXXX - {$31.00} XX/XX/XXXX - {$31.00} I tried speaking with Customer service for a second time on XX/XX/XXXX and he suggested that I report inaccurate reporting to the credit agencies. He spent time researching the most recent discrepancy of {$4.00} passed due and still was unable to help. I will state, the second person has submitted a " research '' ticket but can not help me with the Hardship issues.
|
| 08/18/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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on XX/XX/2021 new mexico unemployment insurance sent a payment for {$20000.00} to my XXXX XXXX card via direct deposit. on XX/XX/2021 I received an email from : XXXX stating : I am part of the direct deposit department at XXXX. Your account is currently set up to only receive deposits from your original employer that created your account, if you wish to continue to receive funds on to your global cash card from other funding sources you are required to submit a copy of your non expired ID and proof of payment such as an award letter or paystub. The documents can be uploaded through XXXX or faxed to phone number XXXX ATTN : XXXX. If no response is received by XX/XX/2021 by XXXX PST, the deposit will be returned to the originating bank. Please contact us at your earliest convenience if you have further questions or concerns.
We would also like to take this opportunity to update any information and assist you with questions or concerns that you may have with your account. Thank you and we look forward to hearing back from you.
Please do not reply to this email since we can not assist with this pending transaction over email for security purposes. You must contact our customer service department and speak to a live Customer Service Professional 24/7 for further assistance Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Ext XXXX XXXX XXXX XXXX. Banking Representative _________________ i submitted the requested information on XX/XX/2021 around XXXX XXXX.
i do not have a paystub or award letter for unemployment so I submitted a print out of all 26 unemployment payments from my UI account each payment shows the week it was authorized for, the amount paid and the date paid ( all showed XX/XX/2021 as paid date ). there were 26 rows showing payments for {$780.00} totaling my {$20000.00}.
i received a followup email on XX/XX/2021 stating : From : XXXX To : Sent : XX/XX/2021 XXXX XXXX EDT Subject : Contact Us XXXX XXXX Compliance Department Dear Cardholder, Thank you for providing your documentary verification for your account. Your account has been cleared and you may continue to use your card. If you have any questions or concerns about your account please contact customer service using the number located on the back of your card for assistance.
Assuring you of our best services at all times.
Regards, Compliance Department.
XXXX So i called after receiving this email to make sure i was good. I was told that the funds should be available the following day. Instead i received another email on XX/XX/2021 stating : From : XXXX To : Sent : XX/XX/2021 XXXX XXXX EDT Subject : Contact Us - XXXX XXXX Compliance Department Dear Cardholder, Thank you for providing your documentary verification for your account. However, we were not able to clear your account as a clearer copy of your award letter or Paystub showing all four corners is required. Please upload the document to the link provided below. If you have any questions or concerns about your account please contact Customer Service on the number located on the back of your card for assistance.
XXXX XXXX - XXXX Assuring you of our best services at all times!
Regards, Compliance Department ____________________ I reuploaded the driver lic and took screen shots on XX/XX/2021 this time showing my unemployment payments were due to me but i am too late now and the payment has been returned to the issuing bank initiating a pain in my side. XXXX has not referenced that they were holding a deposit to my account only that they want to verify my identity. also i have received tax refunds state and federal on this card. My last federal return direct deposited to this account for over {$13000.00} this year. i have had the card for about 4 years now. XXXX has emailed me encouraging me to use this card for purposes besides payroll uploads such as this : XXXX XXXX XXXX Stored with zero-access encryption InboxXX/XX/XXXX To : This message is from a mailing list.Learn more View this message in your browser XXXX Visa Card Hello!
Access your account ending in Account Login XXXX Your XXXX XXXX Visa Card Tired of waiting so long for your tax refund?
Get your refund XXXX when you set up direct deposit using your XXXX account.
Show me how XXXX So now the payment has been rejected by XXXX. I understand the identity verification but i do not think an institution has a right to inquire about the validity of a deposit being owed to the account holder. I worked for XXXX for a year or so and did a bunch of training modules on XXXX and bank secrecy act. if fraud can not be accused and funds were not requested back by the issuing institution then why would XXXX reject the payment? Given that there is no formal notification on XXXX letterhead detailing this transaction and their decision to reject the payment i feel this is all very illegal. they sent me informal emails but not a account notification of actions taken on the account and the reason. The deposit for {$20000.00} never showed in my transaction list either.
|
| 07/21/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I called Fifth Third to inquire about refinancing my home as my husband was unemployed and we needed to get out the adjustable rate loan we were currently in. They suggested programs that were n't right for us ( HAMP ) and did n't offer the ones that have been a solution for our situation ( HARP ). I called XXXX XXXX and was informed that we were in fact eligible for HARP! I have asked several times for a manager to call me and explain why HARP was never offered. No one has called me. I have since called into Fifth Third on numerous occasions and asked for the HARP department. I was told they did n't have a HARP department. See the trailing documentation on my journey with Fifth Third : XX/XX/XXXX Called the REFINANCE GROUP and spoke to XXXX ( XXXX ). Explained that my husband had lost his job and that I was interested in refinancing in an attempt to reduce our payments and correct the ADJUSTABLE RATE MORTGAGE that we have had since XXXX*. He looked into my accountand stated that a refinance would cause our payments to increase. He suggested calling the MODIFICATION DEPARTMENT. XX/XX/XXXX Called the MODIFICATION DEPARTMENT and spoke to XXXX. I explained my situation in detail and he said that there was a program that we may be eligible for and I needed to fill out an application. XX/XX/XXXXCompleted appliation and faxed to XXXX with a Letter of Hardship. XX/XX/XXXX thru XX/XX/XXXX Worked with XXXX XXXX : HOMEOWNERS ASSISTANCE CUSTOMER CARE SPECIALIST on all the required information needed for the loan application. XX/XX/XXXX ( Monday ) Finally, XXXX XXXX XXXX RETENTION SPECIALIST, called stating that he needs current check stubs for my husband. XX/XX/XXXX I emailed my husbands check stubs to XXXX XXXX. XX/XX/XXXXI emailed XXXX XXXX asking for status updateXX/XX/XXXX XXXX XXXX replied that a decision has been rendered and I would receive it in the mail and if I had questions or concerns that I could contact my single point of contact, XXXX. XX/XX/XXXX I emailed XXXX XXXX asking for more information regarding the decision and to email me a copy of the letter. He did not respond. XX/XX/XXXX XXXX stated that I should apply again. I called XXXX and requested that I do NOT want to work with XXXX XXXX again. She stated that unfortunately it is whomevers turn it is when my application comes in. She emailed me the application again which included the FHA HAMP RET HARDSHIP Affidavit. XX/XX/XXXX Emailed my paperwork in to the XXXX -- - AGAIN. XX/XX/XXXX I emailed XXXX as I did not receive confirmation that my application was received. XX/XX/XXXX XXXX responded asking me to call her so she can provide an update. XX/XX/XXXX I emailed my application, hardship letter and other documents that I had sent in XXXX. XX/XX/XXXX I emailed XXXX as a Fifth Third representative came to my house and asked my husband to verify his name and our address and I was terrified that because we were 2 payments behind, we were going into foreclosure. XX/XX/XXXX XXXX XXXX emailed me tp say he received my application. XX/XX/XXXX XXXX XXXX called and stated that we " could '' be approved for a modification loan with a 4.25 % interest rate which would increase our monthly payments at least by {$500.00}. The interest rate we have now is better 3.29 %. I told XXXX I thought the point of a modification loan was to help homeowners who were struggling due to hardship. We want to keep our home but fix the ARM to a fixed and pay on the principle. He got frustrated with me and told me that if I wanted, I could call XXXX XXXX as they were the originators of my loan. XX/XX/XXXX I got online and researched XXXX XXXX and the loan programs that were available. HARP is the one that would have been perfect for us and our situation. XX/XX/XXXX I called XXXX XXXX and spoke with XXXX. He stayed on the phone with me for well over an hour answering all of my questions. XX/XX/XXXX I called XXXX explaining my frustration at this whole situation. I was elgibile for HARP in XXXX until I missed 2 mortgage payments and yet it was NEVER offered or even mentioned to me. I have been trying to get assisance for 5 months and I have explained my situation over and over about needing lower payments and to get out of the ARM. HARP would have been perfect for us. I explained to XXXX that I felt XXXX XXXX did n't have my best interest in mind. I asked to speak to XXXX 'XXXX manager and XXXX said that she would contact them and ask them to call me. XX/XX/XXXX XXXX XXXX as I have not received a call from XXXX 's manager. XX/XX/XXXX XXXX XXXX as I STILL have not received a call fromXXXX XXXX manager. I asked for a name and number to the director /manager of the modification loan department and that information was not given to me. XX/XX/XXXX Filed complaints with the Ohio Attorney Generals Office, The Better Business Bureau and 2 local newscasters. XX/XX/XXXX to PRESENT - Continuing to work with XXXX XXXX : Director of Consumer Advocacy Consumer Protection Section Ohio Attorney General XXXX XXXX.
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| 11/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX Bank and a refusal to inform customers of the terms and procedure of closing the forbearance.
XXXX Bank failed to inform me of the terms to bring my forbearance loan back to normal after the forbearance was over. They had XXXX months to inform me of the terms and never did. Now they want me to pay XXXX extra payments that they said I did not need to pay to be able to defer those forbearance payments to the end of the loan.
XXXX XXXX- Started my forbearance with my loan company XXXX Bank.
XX/XX/XXXX XXXX - After being informed that I would only get XXXX months of forbearance with my loan I called before the XXXX months had passed to see what my options were to payback the missed payments. I was told by a employee of the bank that I had 4 options : 1-Be evaluated for a loan modification to move missed payments to the back of the loan, extending the loan term.
2-Add the missed payments to the end of the loan as a lump sum payment. due and payable upon maturity, payoff, or finance.
3-Agree to a repayment plan with our hardship team.
4-Make a lump-sum payment after the forbearance period expires.
I could choose from these 4 options what I would be able to do and they would decide what they could offer me. I chose option XXXX XXXX XXXX as possibilities.
I was told that between the time I chose the options I wanted and the time the investors offered me an option, I would not be asked to make payments. They did not tell me how long it would take. They said that when they decided, I would be informed through their XXXX XXXX XXXX website, which is the site that the company set up to deal with the forbearance, and had been using to communicate to me, as well as physical mail. In the document center I would be receiving everything in writing in the document center.
XX/XX/XXXXXXXX XXXX - After a month of no letter and no changes, I called XXXX bank again and They had told me that no updates have been made to my account and that they were still working on my account. To pease wait a few more weeks and as soon as there were changes that they would appear on the XXXX XXXX XXXX website. If I did not see anything by late XXXX to please call back.
XX/XX/XXXX XXXX XXXX I wanted an updated so I called and they informed me that if I wanted to defer my payments to the end of the loan I had to make XXXX payments that I had missed. What XXXX payments I asked, I have never missed a payment. They informed me that it was for the months of XXXX and XXXX oXXXX XXXX. But my loan was in forbearance then. I asked for this in writing and they refused. I asked to know why I had to pay this and they said that my forbearance only covered XXXX months and that they could not move forward until my account was up to date. I informed them that my account was up to date and that the previous two bank agents both assured me that I did not have to make any payments while they worked on my loan. The agent I was talking to today informed me this was not the case. I realized that they were changing the agreement that the forbearance was built upon and refusing to put this in writing. I hung up when they refused to send me any sort of documentation as to what I owed and why. I called back from the same number as previously, an agent picked up the phone, saw my number and my previous phone conversation and put me on hold indefinitely. I was stoned-walled and the bank was refusing to talk to me. So I hung up and dialed the number from my work phone and was able to get in touch with a different agent. This person was far more helpful but made some disturbing things clear.
He informed me that in XXXX they were still figuring out the forbearance deferment terms out with the investors and that they did not finalize them until early XXXX. These terms were not made public, or sent to customers or is anywhere on their website. So I was agreeing to something against my will and to something that I was not informed of or ever put into writing. There was no way I could have known what I had to do or how to proceed forward. And with over a month to inform me there was literally no effort made to inform me or any other customers. This can not be legal. I also asked for where this information was public, and they said it was not. So there is no way for me to look at the terms and conditions being proposed to me. They made it clear that they would not provide any written information whatsoever.
I only wanted to end my forbearance in a proper manner and with legal documentation of the process and the terms I am agreeing to, but the company will not provide it. I want to make sure I do things legally and with legal protection for both parties and they refuse to provide any sort of documentation of the terms or the process. I live in a high market value area, how do I know they will not change the terms later on to benefit them? I don't and that is not right.
Kindly, Mortgage Holder.
|
| 07/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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|
Web |
Servicemember |
|
I was sent a check from my uncle for the amount of {$5000.00} for an emergency loan to pay bills after my husband lost his job suddenly. My uncle wrote the check out to my newly married name that has not yet been changed legally, so on Friday, XX/XX/2023, I took the check into a physical Fifth Third Bank branch along with my original marriage license to ask if it was possible to cash the check or not. The branch accepted it, told me it would be okay, and made copies of my marriage license to add to my file along with the check.
By Monday, XX/XX/2023, all of my accounts with Fifth Third Bank were put on a hold for fraud. Also on Monday, XX/XX/2023, my uncle sent me notification with photo proof that the check was cashed on his end and the money was pulled from his bank account.
When I contacted Fifth Third Bank regarding my accounts being placed on hold, I was advised that my account had " fraudulent activity '' and was " being recommended for permanent closure. '' I went back to the physical branch I took the check to a few days later, and they advised that they had uploaded the marriage license to the account already, but would send it directly to the Fraud department as well. My accounts were reopened shortly after.
On Tuesday, XX/XX/2023, I received a letter in the mail dated back to XX/XX/2023 stating my accounts were on hold for fraud, pending closure, etc. This is the ONLY written correspondence I have received from Fifth Third Bank to this day ( today is XX/XX/2023.
At this point, the money from the check is out of my uncle 's bank account, but not in mine. I inquired about this to Fifth Third multiple times, and got different answers every single time. I was told repeatedly that the check wasn't good and they had " confidential information that the check would not clear. '' My uncle went to his bank, and was informed by his bank that the check was verified and cleared on XX/XX/2023. His bank informed us that they weren't sure why Fifth Third Bank was holding this money.
After multiple phone calls sometime between XX/XX/2023 and XX/XX/2023, I was told multiple times that the check was going to be returned to the sender, so I waited for that to happen. I was first told it would be returned to my uncle 's account by XX/XX/2023. Then I was told the return was only initiated on XX/XX/2023 and that it would take XXXX business days. I was also at one point told " you're not entitled to this money '' as well as " we don't have to give you a timeline for return. '' On Wednesday, XX/XX/2023, I inquired once more about the status of everything and I was told by the Fraud department that they were still waiting to return the check, that a timeline could not be provided, and if we wanted that to happen faster then my uncle would have to have his bank recall the check. My uncle 's bank informed him that since the check was verified and cleared weeks ago, it would be a long and difficult process and we were better off trying to get my bank to release the funds to me. The fraud department then informed me that I could submit " supporting documents '' to prove I was meant to have the check to remove the hold and release the funds. When asked to clarify, they told me to bring in a copy of my uncle 's bank statement showing the check and proving he had the money in his account to a physical branch, so I did so that day. I waited 24 hours and called to inquire on Thursday, XX/XX/2023, and was told nothing was received. I went back to the bank with another copy, and they scanned it in and emailed the Fraud department again on Friday, XX/XX/2023, and via email, the branch sent me a screenshot of the email they sent. When I had not heard back from anyone by the afternoon of Monday, XX/XX/2023, I called to inquire about the document again and was told it was not sufficient enough. Same day, I contacted my local branch for assistance to see if there was anything else I could do or someone else to speak with. I was told the branch manager would start reaching out to see what else could be done. I never heard back after that.
On Wednesday, XX/XX/2023, I called the Fraud department again to inquire once more about the return of the check. This is where I was off-handedly informed that my accounts were recommended for permanent closure again on XX/XX/2023. Again, no written communication from Fifth Third Bank is present, and I had no idea of this matter. I was also informed that the check was still in a waiting to be returned status and that they could not give me any form of timeline for return. I was told if we want it returned faster, that my uncle has to have his bank recall the check.
As of XX/XX/2023, Fifth Third Bank has been holding the amount of {$5000.00} for XXXX business days, with no timeline for when this money will be returned to my uncle, and my accounts are permanently closed once more for fraud that was already disproven.
|
| 05/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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Fifth Third bank is in violation of the Homeowners Protection Act and refusing to acknowledge their wrongdoing. I have brought the matter to their attention that I have felt I have been overcharged since the account has hit 78 % equity. After 2 months of working with them on a resolution, they haven't provided one and are providing new reasons why they continue to not adhere to the stated Federal law.
As far as the timeline, upon realizing that I was being overcharged I reached out to Fifth Third bank on XX/XX/XXXX to cancel the PMI payment, after they stated I needed to request in writing and the PMI would not automatically fall off. I received a letter dated XX/XX/XXXX with cancellation. I expressed my concerns that the PMI was not automatically cancelled and that the agent XXXX XXXX would open a case for my complaint because of my concerns. I was later mailed a letter dated XX/XX/XXXX from XXXX XXXX with the Office of the President which stated the case number and that it would be 15 to 25 days before another letter with more information will be provided.She followed up with a phone call to understand my concerns where I stated that I felt taken advantage of, I had concerns with Fifth Thirds business practices being unethical, and that Fifth Third hasnt acted in accordance to the law where PMI should have automatically been dropped. I also mentioned that I had not received any PMI schedule or amortization schedule upon origination of my loan. I explained how I felt uncertain because of their business practices by the way things were being handled with my situation and recent legal action taken against Fifth Third Bank for agents unlawfully opening accounts without customers acknowledgement with the goal of hitting sales targets. I stated how I was protected by the Homeowners Protection Act and requested back payment in the amount 23 months I had been charged after reaching a 78 % equity. I also stated that PMI is a matter of protection for the bank and I received nothing in return for the PMI they overcharged me to protect themselves.
I received another letter dated XX/XX/XXXX that the department was still researching the complaint and that I would receive more information via written response upon the completion of the research. I received another letter on XX/XX/XXXX stating that they are still researching the complaint, apologizing for inconvenience. I called on XX/XX/XXXX to check on the status where I spoke with XXXX XXXX about my dissatisfaction with the time this was taking and how the time provided to me when I first filed the complaint had more than passed. I also discussed a previous issue with them about a late payment charge where I was charged a late payment on a late charge when I switched banks and auto-payment had not gone through after I sent in the proper paperwork multiple times. I stated the representative told me in an earlier call when that was discovered, they could not waive all late payment fees, but she would waive one as a courtesy but I would have to check back on my account to verify it went through. After explaining the previous issue and lack of resolution from Fifth Third Bank, XXXX assured me they were doing everything they can to get the information I was requesting and they were in the final stages of getting a response to me about the case. She also stated she would add the late payment concern to the case as well. When I questioned the length of time it was taking to research my complaint, she detailed the reason for delay was a non-response from the company they are working with on the loan when the timeline was called into question.
I received another letter dated XX/XX/XXXX on Saturday, XX/XX/XXXX which advised that the investor is Fannie Mae and that my property is an investment property, where the PMI would only automatically cancel when the loan reaches the half life date, unless the bank receives a written request when LTV is less than 70 %. An enclosed a letter of PMI cancellation was included, but Fifth Third Bank did not provide any documentation of the PMI or amortization schedule I requested.
I called back and reached XXXX XXXX on XX/XX/XXXX expressing my concern that the complaint I had raised was not addressed. I stated I was unaware of my loan being classified as an investment loan and wasnt sure it met the criteria for XXXX XXXX to classify it as such. I also stated that it is required by law I receive certain disclosures and notices related to PMI, and that the disclosures are required whether it was an investment loan or otherwise. The disclosures include the initial disclosure at consummation of the loan, annual disclosures on the PMI requirement and an amortization schedule that identifies the PMI schedule. These are identified in the Homeowners Protection Act, section U.S.C. 4903 ( a ) ( 2 ) and 4903 ( a ) ( 3 ).
|
| 08/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
In XXXX, XXXX, I received an email from FEMA stating that the flood plain had been re-assessed for a creek that runs next to my property. The report, included a small aerial picture of my property and house and appeared that the water level would approach one corner, but did not appear to invade the inside of the house. Thinking that it was just a notice of change, I deleted the email.
In XXXX of XXXX, I received a letter from XXXX bank stating that I was indeed in the flood plain and that I must have flood insurance within 45 days, or it would be imposed on me, and funds taken from my account.
I contacted FEMA to find out what I could do to appeal the ruling, knowing that when I had the house built, the question of being above the minimum opening elevation ( MOE ) was raised and the elevation was increased by adding 13 dump truck loads of gravel into the foundation walls and cutting the door opening higher. I was told how to begin a LOMC ( Letter of Map Change ) and was told that it would probably be 60 days or more before it would be considered.
Since I would not be able to get a ruling within the 45 days required by the bank, I searched for insurance, and I was advised to let the bank handle my coverage since they could add it to my escrow payment.
I contacted XXXX at the number provided on their letter before the 45 day expiration. I informed them that I was appealing the ruling with FEMA and asked the agent if I would receive a full refund if I won my appeal. The answer was yes, that I would receive a full refund once they received the letter of determination from FEMA, exempting me from being in a flood plain. I also asked if I needed to do anything or sign anything to have the bank issue the policy. I was told no, that it would be automatic.
On XX/XX/XXXX, {$2500.00} was deducted from my escrow account. This depleted the account and there would not be enough funds to cover upcoming tax and homeowner insurance payments unless I deposited the amount of flood insurance into escrow, which I did on XX/XX/XXXX.
The appeal to FEMA took a while to complete, in that information was requested that was not clear on what they were asking. The original request was submitted to FEMA on XX/XX/XXXX.
On XX/XX/XXXX, I received a reply from FEMA requesting a survey be performed to determine the MOE.
It took months to find and schedule a certified surveyor. It was XX/XX/XXXX before I got the completed survey at a cost of {$1100.00} and submit the information to FEMA. I received the final determination letter from FEMA on XX/XX/XXXX and submitted it to the bank on XX/XX/XXXX.
I never received any notice from XXXX that they had received the information, that it was being process, or what state it was in. Had I not been refinancing my mortgage, I would not have noticed that a partial refund of {$1300.00} was issued XX/XX/XXXX as a deposit back into my escrow account.
I have been calling and calling, investing for sure more than 100 hours, into arguing several points of disagreement only to find that this department does not handle this and call someone else and going through the story over and over.
However, one person confirmed that phone calls I had made had been recorded and reviewed and that yes, I had been told I would receive a full refund, and yes, I was told it was not necessary to sign anything and just let it lapse into the insured state.
I would also like to add, that at no time did I receive a " Flood Insurance Policy '' showing anything regarding my coverage for amount, property or contents.
I have argued that the release from FEMA states : " If a lender releases a property owner from the flood insurance requirement, and the property owner decides to cancel the policy and seek a refund, the XXXX will refund the premium paid for the current policy year, provided that no claim is pending or has been paid on the policy during the current policy year. '' I contacted XXXX and they looked into the issue. They informed me that they could not find any policy ever being recorded for my property. So, I contacted XXXX Insurance division and requested a copy of the policy. All I received was the notice of cancellation.
My complaint can be summarized for these reasons : 1 ) I was told I could get a full refund and I have not.
2 ) I was told that it was not necessary for me to do anything to have the policy started. This has now been used as an excuse for not paying the refund in that somehow, I was non-compliant.
3 ) I have never received any type of policy that states coverage, conditions etc.
4 ) XXXX seems to question if a policy actually ever existed or was filed with them. They have asked for a 10 digit policy number that may aid in their search, but I have not been able to get that information, nor do I know what the process is for filing with FEMA.
|
| 03/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
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18 U.S. Code 914 - Creditors of the United States Whoever falsely personates any true and lawful holder of any share or sum in the public stocks or debt of the United States, or any person entitled to any annuity, dividend, pension, wages, or other debt due from the United States, and, under color of such false personation, transfers or endeavors to transfer such public stock or any part thereof, or receives or endeavors to receive the money of such true and lawful holder thereof, or the money of any person really entitled to receive such annuity, dividend, pension, wages, or other debt, shall be fined under this title or imprisoned not more than five years, or both.
IM AWARE THAT YOU ARE REGISTERED WITH THE SECURITY AND EXCHANGE COMMISSION SECURED PARTY- XXXX XXXX XXXX fifth third bank SECURITY- protection : assurance ; indemnification ( d ) [ Request regarding list of collateral ; no interest claimed. ] A person that receives a request regarding a list of collateral, claims no interest in the collateral when it receives the request, and claimed an interest in the collateral at an earlier time shall comply with the request within 14 days after receipt by sending to the debtor an authenticated record : ( 1 ) disclaiming any interest in the collateral; and ( 2 ) if known to the recipient, providing the name and mailing address of any assignee of or successor to the recipient 's interest in the collateral.
DISCLAIMING-RENOUNCE A LEGAL CLAIM TO A PROPERTY OR TITLE.
Terms Used In Texas Business and Commerce Code 9.210 Obligation : An order placed, contract awarded, service received, or similar transaction during a given period that will require payments during the same or a future period.
Person : includes corporation, organization, government or governmental subdivision or agency, business trust, estate, trust, partnership, association, and any other legal entity. See Texas Government Code 311.005 The following definitions apply unless the statute or context in which the word or phrase is used requires a different definition : ( 1 ) Oath includes affirmation.
( 2 ) Person includes corporation, organization, government or governmental subdivision or agency, business trust, estate, trust, partnership, association, and any other legal entity.
( 3 ) Population means the population shown by the most recent federal decennial census.
( 4 ) Property means real and personal property.
( 5 ) Rule includes regulation.
( 6 ) Signed includes any symbol executed or adopted by a person with present intention to authenticate a writing.
( 7 ) State, when referring to a part of the United States, includes any state, district, commonwealth, territory, and insular possession of the United States and any area subject to the legislative authority of the United States of America.
( 8 ) Swear includes affirm.
( 9 ) United States includes a department, bureau, or other agency of the United States of America.
( 10 ) Week means seven consecutive days.
( 11 ) Written includes any representation of words, letters, symbols, or figures.
( 12 ) Year means 12 consecutive months.
( 13 ) Includes and including are terms of enlargement and not of limitation or exclusive enumeration, and use of the terms does not create a presumption that components not expressed are excluded.
8-501. SECURITIES ACCOUNT ; ACQUISITION OF SECURITY ENTITLEMENT FROM SECURITIES INTERMEDIARY.
( a ) " Securities account '' means an account to which a financial asset is or may be credited in accordance with an agreement under which the person maintaining the account undertakes to treat the person for whom the account is maintained as entitled to exercise the rights that comprise the financial asset.
( b ) Except as otherwise provided in subsections ( d ) and ( e ), a person acquires a security entitlement if a securities intermediary : ( 1 ) indicates by book entry that a financial asset has been credited to the person 's securities account ; ( 2 ) receives a financial asset from the person or acquires a financial asset for the person and, in either case, accepts it for credit to the person 's securities account ; or ( 3 ) becomes obligated under other law, regulation, or rule to credit a financial asset to the person 's securities account.
Under Texas law, an accord and satisfaction defense exists when parties agree to discharge an existing obligation in a manner other than based on the terms of their original contract. The defense involves a new contract, either express or implied, through which the original obligation is released by agreement of the parties.
_____________________________________________________________________ WITHOUT RECOURSE, PAY TO THE ORDER OF FIFTH THIRD ACQUISITION HOLDINGS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Authorized Representative.
{$20000.00} usd
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| 09/07/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX we ( my husband and myself ) deposited his payroll check into our savings account at 5/3 bank. We have a checking account with them as well and based on the type of account it is we can't deposit checks directly so we were advised to open a savings account to deposit his payroll checks. We were advised the funds would be available the next business days and then we could transfer the money to our checking account. In good faith we did this and opened a savings account. I was then informed his payroll check ( drawn of of XXXX XXXX XXXX, a local business and not out of state ) would be on hold for 14 days. I spoke with the local branch and customer service multiple times on XX/XX/XXXX and on XX/XX/XXXX. The bank was closed due to XXXX XXXX on XX/XX/XXXX. The payroll check cleared the employer 's account on XX/XX/XXXX. 5/3 told me initially there was insufficient funds in the employer 's account. Then I was told that provided the check cleared sooner the hold would be removed sooner. I reviewed the banking regulations in the deposit section of 5/3 's paperwork and no where does it say it will hold a local check for 14 days. I have asked to speak to someone over customer service and have been denied this. I have asked to cancel the deposit and I will take the check to another bank and was denied this. I asked about the pending bills in my checking account and was told by customer service they aren't sure what will happen.
On page XXXX of 5/3 's disclosures they Section 6, 6.1 Funds Availability, ( a ) 5/3 indicates the following : ( a ) Personal Accounts. Check deposits made at one of our branches, by ATM, with a Bank employee, or using Mobile Deposit will be made available to you on the first Business Day after the day we receive your deposit.
XXXX. Determining When Your Deposit is Received.
Deposit was made prior to the 5/3 cut off time of 8pm for mobile deposits via the 5/3 app.
The following section for longer delays does not indicate a 14 day hold. As per 5/3 policy they indicate the following : XXXX. Longer Delays May Apply. In some cases, we will not make all the funds that you deposit by check available to you as described above. If the funds from your deposit will not be available as described above, we will notify you at the time you make your deposit. If your deposit is not made directly to one of our employees, or if we decide to take this action after your deposit is made, we will mail or otherwise provide you the notice by the next Business Day. If you need the funds from a deposit right away, you should ask us when the funds will be available.
In addition, we may delay the availability of funds deposited for a longer period in the following circumstances : We have reason to believe the check deposited will not be paid.
Checks totaling more than {$5500.00} that are deposited on the same day.
A check is re-deposited that has been returned unpaid.
The deposit account has been repeatedly overdrawn in the last six months.
An emergency, such as failure of communications or computer equipment, occurs.
An operational issue has occurred, such as failure of an ATM-owning financial institution to timely balance or reconcile the ATM and/or the ATM deposits.
Under these circumstances, availability of funds will generally be no later than the seventh ( 7th ) Business Day after the day of your deposit.
Although, the savings account was opened on XX/XX/XXXX we are established customers and have had a checking account with XXXX for over 30 days.The funds availability for new accounts is below.
XXXX. Funds Availability for New Accounts. An account is considered a new account during the first thirty ( 30 ) calendar days after the account is established. An account is not considered a new account if the Customer has had, within thirty ( 30 ) calendar days before the new account is established, another checking account at the Bank for at least thirty ( 30 ) calendar days.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To hold a payroll check, which is for {$830.00} that is drawn off of Michigan company, a local check and drawn off of XXXXXXXX XXXX XXXXXXXX is ridiculous.
As indicated above 5/3 told me on XX/XX/XXXX that the payroll check had insufficient funds. This information is false. The employer showed his business account balance to my husband and proof that the check cleared his business account at XXXX XXXX XXXXXXXX on XX/XX/XXXX.
I have repeatedly tried to get assistance from 5/3 and continue to hit a brink wall. I reference their own polices and regulations that I have included here and the bankers have no response and continue to say its their system and there is nothing they can do about it.
I want to know why we are being discriminated against at 5/3.
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| 01/28/2021 |
Yes |
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- Trouble during payment process
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Web |
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We are in the process of selling our home and our title company has been trying to get a payoff quote from Fifth Third since XX/XX/XXXX. We were supposed to close on XX/XX/XXXX, however, without a payoff quote, the underwriter for the buyer can not proceed without risk since they would need to pay the disbursements.
Title company called Fifth Third on XX/XX/XXXX to request the payoff, quoted 2 business days and would be faxed. Not received.
Title company called Fifth Third on XX/XX/XXXX to check in status, confirmed it was not received and had to request another payoff, quoted 2 business days and would be faxed. Not received.
I called in on XX/XX/XXXX and spoke to an agent saying the fax was not received and they said they need to request another payoff, quoted 2 business days and would be faxed. Not received I called on XX/XX/XXXX and confirmed a payoff had been requested and it went out on the XXXX. When I told them the fax was not received, agent said I would have to request a new payoff. At that time, I told the agent this is now our fourth request and I had to escalate to a supervisor and spoke to XXXX. They said they see the payoff, was able to download and was planning to fax it to me that day. I received a call back from XXXX asking me to call back in to speak to a supervisor because there was a reason why it could not be faxed. I received an apology from XXXX on the fact this was not caught earlier and should have been escalated as it clearly shows we have called in for multiple requests in just 2-3 weeks.
I called back and spoke to an agent and asked her to let me speak with a supervisor. The agent did not listen and continued to try to explain to me why it took 2 business days. I told her, I already spoke to a supervisor and another agent earlier that had explained that to me. I again asked for a supervisor which she then connected me with XXXX. XXXX reviewed and confirmed that since it is a manual payoff quote, it has to be mailed. I asked if why does it need to be re-done when the payoff quote requested was through XXXX and should be the same as the previously requested quotes that the previous supervisor was able to pull up. XXXX proceeded to tell me this was their process. She also shared that they are not notified if a request was denied or not. I asked her to make an exception because at this point we were in danger of not being able to close on XX/XX/XXXX. When I asked her if this could be expedited, she proceeded to tell me there is no phone number or contact with the processing department that generates the payoff quotes. She apologized and said she would follow this since this now sits with their supervisor team and this would take 3 business days.
We learned that if we can't get the payoff and close by XXXX, we will need a new payoff.
I called back afternoon of XX/XX/XXXX, asked to speak to a supervisor, XXXX this time. She was able to review the notes and confirmed for me if I requested a payoff quote through XXXX, that would not affect the existing request for payoff in the chance we would receive it in time. She was able to now tell me I could have it mailed directly to my title company if I chose to. She submitted the request for me.
It is now XX/XX/XXXX with no payoff quotes received to date. We learned that the buyer 's lock expires today and if they can't close, they will incur re-lock fees. This is something we now may have to pay for due to Fifth third 's incompetency of being able to send a payoff quote.
To date, we have requested 5 payoff quotes to be faxed and mailed.
There are multiple issues here in process that I want to call out : - How many requests and not received calls do they need to receive to understand when to escalate an issue?
- They did not understand their own processes when it came to creating a manual payoff - Comment about not being able to connect with the processing center is unacceptable. Saying they don't even have a phone number to call seems counterproductive if there is an issue - Not being able to notify a customer if a request was denied. If we had known it would need to be mailed earlier, we could have requested this back on our first request to avoid the waiting and the re-requesting we have had to do - Sense of urgency is non-existent. There was no empathy with regular agents when it came to understanding how this could cause an issue if we could not close on the original close date of XX/XX/XXXX. This has now caused hardship on not just us but the buyers, who should not have to deal with this incompetency.
- I have concerns the delay will allow them to add more fees which would incur more revenue for them which is unfair and unnecessary. If we had been able to close in time, disbursement to Fifth Third is $ XXXX from the sale.
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| 11/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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We have had a loan on our vehicle, opened to finance the purchase of the vehicle, issued and held by XXXX Bank since XXXX, account number XXXX. In the last 3 years, our vehicle has been repossessed 3 times for payments that were less than 90 days past due, which is contrary to the terms of our loan agreement. We have established in prior communications with XXXX bank that our contract states that repossessions will only occur after an account is 90 days past due, but that they process repossessions after accounts fall 60 days past due regardless of these terms.
We have made numerous attempts to resolve this issue with the company via phone, from discussing the circumstances under which the vehicle has been repossessed, requesting a full payment history of the account, asking for payment arrangements after repossession regardless of the impropriety of the bank 's action and requesting support setting up automated payments to avoid late payments in future. We have been advised by the company that their practices do not align with the terms of our contract ( above ), that automated payments can only be set up by using paper forms submitted through the mail, and that they will not make any arrangements for payment after repossession regardless of circumstance excepting holding the vehicle for up to 10 days prior to sale. Each time this situation has occurred, we have paid the requested amount in full in order to have the vehicle released, as we need the vehicle to transport ourselves to work and our children to school.
The first repossession was removed from our credit reporting. While XXXX has subsequently refused to acknowledge any action taken on our reporting, we assume this was removed due to the bank 's practice of repossessing vehicles prior accounts falling 90 days past due, as described above. The last repossession still appears on our credit reporting despite this same practice leading to repossession. XXXX bank is also not providing us with paper or electronic statements for this account, which makes it impossible for us to review and understand our balance or the amount they claim is due.
As you can see from the attached images, we have not been provided any notice of these amounts prior to repossession. When we login to our online payment portal, the only thing that shows is that our last payment was due 71 days ago as of today, which, per the Federal Consumer Credit Reporting Act, does not, in fact, constitute 90 days past due. The account information screen does not provide a total amount due, only the amount of the individual payment for each month, as well as the last due date for which payment is due. We also have elected for electronic statement delivery on this account ( see attached photo ), which we've had set up on this account since it was first opened. When we attempted after the call this morning to verify the amount due, we discovered that we have never been issued, nor can we retrieve, any statements for or notices about this account whatsoever.
At this time, the bank is requiring payment well in excess of the amount that should actually due on the account before releasing the vehicle, based on the information available to us as account holders through our online portal. We have received nothing in the mail from XXXX bank regarding the status of this account, nor have any statements or notices been issued to us online.
On Saturday, XX/XX/XXXX, around XXXX XXXX Central time, our vehicle, a blue XXXX XXXX, was repossessed from our home at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Payment on that date was 69 days past due.
We were advised by the tow company that they received the repossession order by fax or electronic transmission on Saturday, XX/XX/XXXX, around XXXX XXXX Central time. Because XXXX closes their call lines at XXXX XXXX. Eastern time on Saturdays, we were unable to contact them to discuss resolution until Monday, XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX. Central, I was able to contact a representative, XXXX, in their call center using the number XXXX.
In this recorded call, XXXX confirmed that payment on the vehicle was approximately 70 days past due at the time of repossession, and also confirmed that XXXX " considers '' that to be 90 days past due. She advised me that the total amount due to recover the vehicle from the tow company was {$1800.00}. She confirmed that this figure is composed of the following amounts : {$1300.00} past due balance ; {$70.00} fees ; {$440.00} repossession fee.
Based on the information provided online, our account payment is set at {$350.00} per month. Payments in this amount for XXXX, XXXX, and XXXX add up to {$1000.00}. It was not stated in our phone conversation what the {$70.00} in fees quoted has been assessed for.
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| 02/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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- Last XXXX XXXX XXXX ) I started the mortgage refinance process with 5/3rd Bank. I started with an employee of theirs named XXXX XXXX. I believe he was out of your XXXX office and he was fantastic. He helped me work through the best options for our particular circumstances. XXXX told me that loans were taking about 90 days. I said fine, I was in no particular hurry.
- At some point ( maybe XXXX? ) a lady named XXXX XXXX told me she was taking over my account as XXXX was no longer with the company. She said things were taking longer. I again said fine. I realize there is a lot of demand for refinances.
- In XXXX XXXX XXXX told me the loan was ready to close and has the disclosure documents sent to me. After a review, I noticed that some of the fees has gone up and I contacted XXXX. That was a XXXX night. ( XX/XX/XXXX I believe ). She said that she was going golfing that night and could she look into in on XXXX and get back with me. I said fine. Basically, that is the last time I have ever heard from her even though I have left numerous emails and voicemails.
- I next contacted a lady named XXXX XXXX because she was listed on the disclosure documents that I had received. I again explained about the increased fees and she also said she would look into it. In the meantime, the loan was scheduled to close, but I declined to proceed because I had not received an explanation of the increased fees. XXXX then got back to me and said after review the fees were correct. Even though I did not agree I asked what was the next step in the process. Even though no one asked me, she said the loan was scheduled to close on XX/XX/XXXX and was this OK with me? I said NO, not until I see the closing documents to insure that I was not getting more surprise fees. That was also the last time I heard from XXXX ( XX/XX/XXXX ) even though I have left numerous voicemail and email messages with her.
- When XXXX XXXX was discussing the options with me, he told me I would have an opportunity to lock in a lower rate if rates went down. When XXXX XXXX took over the account, I asked her about this and she told me that was not an option. When I later contacted XXXX XXXX she told me this only applies if rates went down by XXXX of a point. I suspected that this did happen over the 6 months that I have been trying to get this refi done, but that option was never offered to me.
- One of the fees that I objected to is an additional {$140.00} for a Final Appraisal approval. I was told that this was because the original appraisal had to be updated due to the length of time it was taking. I was originally told the loan would take 3 months to close. I dont think it was my fault that it took 5/3rd 6 months to close the loan, yet you are making me pay for the additional appraisal fee. Please note that no appraiser even came back to our residence. This was strictly a paperwork fee.
- Another fee that went up by a large amount from the initial disclosures was the " Lender Title Insurance ''. The disclosure documents I received on XX/XX/XXXX was for this fee to be {$640.00}. The final closing documents from XX/XX/XXXX had this fee at {$1300.00}.
- We originally purchased our condo for {$350000.00} on XX/XX/XXXX. In the four years since then property values in XXXX XXXX have steadily gone up, yet our condo only appraised at {$350000.00}. On XX/XX/XXXX a condo that is almost identical in size and layout to our condo ( unit A-304 ) sold for {$370000.00}. This condo is two floors below out condo. We have been let to believe that you can generally add {$10000.00} per floor to the value of a condo. We believe that the A-304 unit has had no upgrades since it was built, whereas ours has had numerous upgrades and renovations. Given these facts, we believe our condo was appraised way too low. Since we were doing a cash-out refi, this impacted how much cash we were able to receive.
- I was next contacted by the notary from the title company. I told her that I would agree to show up at the closing ONLY if she gave me time to review the closing documents because I NEVER received a copy of them. At the closing I decided that I would proceed even though I did not agree with some of the fees. At this point I realized that if I cancelled and started over with a new bank, I would have lost several XXXX dollars in fees and lost 6 months in time.
- I came to closing with account numbers and bank accounts of where I wanted the proceeds deposited. I was told by the agent that I need a blank check and that the closing agent should have told me this. Of course, that did not happen. Therefore, my only option was to agree to overnight delivery of a bank check. That closing was on XX/XX/XXXX and I never received the check until XX/XX/XXXX.
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| 08/11/2021 |
Yes |
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Web |
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Your Complaint : Which company?
Fifth Third Bank Describe your complaint : Fifth Third Bank is the bank we went through for our loan on our new home. I had switched to them after working with a different lender that could not help us. We missed our first closing date of XX/XX/XXXX than again XX/XX/XXXX. Any information that was needed by the bank from me I got it to them ASAP but right before closing dates I was hit with more things they needed. I was given a new closing date of XX/XX/XXXX @ XXXX and the closing did not happen till almost XXXX that night. I was Charged {$500.00} by lawyer for after hour fees. Initially I was also told that I was approved for a credit from the bank in the amount of {$5000.00} that would come off the closing cost. Than it dropped to {$3600.00} and than it dropped to nothing. I did get a {$1000.00} but I am not even sure what that was for. We also had to give the seller {$1000.00} so she would not put home back on the market. This was the worst experience. Attached you will find proof on what they told me closing costs would be.
This is one of the e-mails I sent them.
Good Morning!! This is XXXX XXXX I am sure that known of you will respond to this e-mail just like the other e-mails I have sent no one at Fifth Third that is responding to me anymore. I was informed yesterday that there is a response to my complaint and that it will be mailed to me and the outcome is not good. I will not take that response and I will keep e-mailing and complaining until someone gives me the response I am seeking. I should be given a refund. I was told from the way beginning that I was approved for the credit through Fifth Third and I have that in E-Mail. I was also told in many e-mails and phone calls that I would be paying less than {$4000.00} at closing because of that {$5000.00} credit that we did not get. I understand that there are changes in company policies but all employees at Fifth Third need to be informed of that so they do not give clients inaccurate information, it's very miss leading. Had we known that we would not be getting that Credit we would have went with the other lender that could of had us closed on the date we needed, but I stuck with XXXX XXXX and missed 2 closing dates and had to pay after hour fees and the seller more money to not lose the home. She should have never guaranteed closing dates.. I did everything I was told and had all documents that were needed and requested by XXXX XXXX as quickly as possible. She never needed to wait on anything from me. This is not the way a business should be conducted. I will no longer recommend this bank to anyone. I was told the President of the company is " FOR THE PEOPLE '' but obviously that is not true. He has failed me twice now. I know you have a copy of the response to my complaint and I would like it e-mailed to me immediately so I can have it for my lawyer. Communication with this Company is HORRIBLE!
Which issue ( s ) : Lied about the price How they can fix the problem : A REFUND!
( Compensation request : {$6000.00} ) I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, reasons for rejection are included below.
I have attached documents that gave us the impression that we were entitled to the {$5000.00} Credit.
I have attached documents that gave us the impression that at closing a little under {$4000.00} would be owed.
We should be reimbursed for the Lawyers after hour fees.
XXXX XXXX the loan office even said that she was not aware that the company changed their polices in regards to the {$5000.00} credit and thought that it was ridiculous that we were not receiving the {$5000.00} Credit.
XXXX XXXX should have bumped the closing date even further if she did not think we would close on XX/XX/XXXX. The two previous closing dates she should have never said " O yea we can make the deadline '' if she had any doubt in her mind that we would not meet the closing date.
We would not of had to pay the seller {$1000.00} if a second app did not have to of been done. She waited to long for a negative response from the " OFFICE OF THE PRESIDENT '' to tell her she could not pull over my credit score to the 1st loan application. She should have just went ahead and did a re-app and we would have closed much earlier than we did.
I don't really care at this point what the company policies are. You all need to admit that you messed and we should be compensated for it.
This bank has the worst communication.
Like I said in the 100 emails I have sent to over 6 or 7 people higher up people at Fifth Third Bank. I will be going to the NEWS AND MY LAWYER.
Regards, XXXX XXXX
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| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Dear CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Incorrect and Unfair Reporting of Account Dividend Solar Finance Dear Sir/Madam, I have made multiple attempts to get this information corrected and removed off of my credit report. At this point it is becoming more and more obvious that this company is deliberately sabotaging my credit, which is completely illegal. I have not been provided any reason or excuse as to why the account still remains open after XXXX business days. It continues to show an overdue balance and is continually reporting delinquent. I was promised and assured that it would be removed after 30 days of full payment was received. Several people at Dividend that I spoke with multiple times gave me that specific information. XXXX person I spoke to was XXXX.
Now, I am making another attempt to formally dispute the inaccurate and unfair reporting of an account on my credit reports with XXXX and XXXX. The account in question is with XXXX XXXX XXXX and it has not been correctly updated to reflect the payment I made on XX/XX/XXXX, which has resulted in continuous delinquent reporting on my credit report. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ). These laws have been enacted to protect consumers like myself from unfair and erroneous credit reporting practices. The inaccurate reporting by XXXX XXXX XXXX, not only violates these laws but also damages my creditworthiness and financial standing.
Here are the specific details regarding the incorrect reporting : Account Name : Divided Solar Finance Account Number : LGxxxxxxxx Date of Payment : XX/XX/XXXX Late Payment Status : Incorrectly showing delinquent with XXXX late payments, open balance, over due balance.
I have made multiple attempts to rectify this situation by contacting Divided Solar directly and disputing the account through XXXX and XXXX. Despite their assurance that the account would be updated after 30 days, the incorrect information continues to be displayed on my credit reports. In accordance with FCRA Section 609, I kindly request that XXXX and XXXX investigate this matter thoroughly and remove the inaccurate information from my credit reports. The basis for my dispute lies in the following grounds : Violation of FCRA Section 623 ( a ) ( 2 ) : Divided Solar Finance failed to report the payment made on XX/XX/XXXX, which has resulted in an inaccurate and misleading representation of my credit history. Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) : The continued reporting of late payments by Divided Solar Finance is unjustified and unfair, especially considering the circumstances surrounding the late payments.
I explicitly requested forgiveness for the late payment in light of the Covid-19 regulations that were implemented during the relevant period.
As a consumer, I am well aware of my rights and the protections afforded to me under the Fair Credit Reporting Act ( FCRA ) and the CARES Act. The CARES Act, enacted by the federal government to provide relief to consumers during the Covid-19 pandemic, includes provisions concerning late payments and credit reporting. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), creditors are required to provide accurate and complete information to credit reporting agencies. This statute imposes a duty on Divided Solar to report accurate and up-to-date information regarding my account.
As a consumer I have every right to take action and be compensated for any malicious tactics used against me to harm my credit.
They have failed to fulfill this obligation, causing significant harm to my credit standing. I kindly request that XXXX and XXXX investigate this matter within the XXXX time frame stipulated by the FCRA and provide a written response with their findings. In the event that the investigation reveals the inaccuracies in the reporting, I request that the incorrect information be promptly removed from my credit reports.
Please find enclosed copies of supporting documents, including proof of payment made to Divided SolaXXXX on XX/XX/XXXX and any correspondence related to the account. I believe this evidence will substantiate my claim and aid in the swift resolution of this matter.
I trust that you will handle this dispute with the utmost urgency and diligence, in accordance with the laws and regulations put in place to protect consumers. I appreciate your attention to this matter and look forward to receiving a favorable resolution. Thank you for your prompt assistance.
Sincerely, XXXX XXXX
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| 08/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX and 5th Third Bank have defrauded my XXXX Account of {$340000.00} and confirmed by XXXX XXXX and I was defrauded by 5th Third Bank of {$140000.00} by having these monies crawled back stating unauthorized. This will be proven that both banks have insider people at the banks relinquishing individuals accounts as stated by XXXX XXXX who admitted on a recorded call since I am in New York and this perpetrator has now blocked my calls from further engagement after acknowledging same. I am sure the FBI or any federal agency can track this down and question him and his phone number XXXX as was previously identified in my Summary of Deposit Returns enclosed.
XXXX XXXX with the help of XXXX XXXX without my knowledge enrolled an account from 5th Third bank in the amount of {$140000.00} on XX/XX/2018 with Account No XXXX being the last 4 digits with confirmation code XXXX pay me my monies that was owed to me. They paid my monies only to show the money and then pulled the money back. I was unaware of the circumstances but in the past several weeks having to speak to XXXX who now has been sentenced to Securities Fraud and trying to still befriend him so perhaps he would make restitution on this. He then either got scarred but now I was able to communicate with XXXX XXXX which as stated above was recorded. What was extracted from these conversations and shared with XXXX XXXX from XXXX, is that they have business partners in these banks to perpetuate various bank crimes I am now bringing in 5th 3rd bank into this alleged scam since this appears to be a conspiracy that now includes XXXX and 5th Third bank and XXXX. This shows that the banks security has been breached by insiders at the bank and XXXX XXXX had stated they have business partners within these banks that give them individual bank information and that is how they paid me my monies that are due me. Perhaps this is also money laundering. They enrolled several bank accounts on my XXXX Account to pull down money from those accounts and put on my XXXX account to pay me back for monies that are due and owed to me and my corporations. With XXXX Bank there was a third-party verification, however with 5th Third Bank they just enrolled and then pulled back the money after showing that the monies were there. With 5th Third Bank XXXX XXXX told me that XXXX XXXX had instructed him to return the monies to XXXX XXXX. XXXX XXXX XXXX has been charged with Cryptocurrency fraud by the US Commodity Futures Trading Commission.
As explained by XXXX XXXX they have business partners in the banks that provide this information on various bank accounts. This is ILLEGAL. They have paid monies that are owed and due me with stolen money from other peoples bank accounts. They owe me this money and now have used stolen monies as far as I understand this and by defrauding the bank and me the banks have errors and omission insurance to make restitution to me. This is FRAUD and I am a consumer should not be responsible in any way due to banking rules and regulations. Also, now that this is not an isolated situation but now has happened with two banks of XXXX and 5th Third Bank in addition to fraudulent documents that were submitted to XXXX this is a complete SCAM. I expect that 5th Third bank, XXXX and XXXX will all collaborate on this and return monies back to my account for rightful debt that is owed me and that a Crime investigation should take place on how these banks are being defrauded internally by their own personnel. As a XXXX, I do not think you want me to go to the media and expose this that these banks have inside people in their banks robbing their clients monies. With XXXX XXXX after third party verification was performed and acknowledged on two separate occasion 10 days later the monies were crawled back stating unauthorized transaction XXXX XXXX as stated above whom I spoke with acknowledged that she would make full restitution with XXXX on the phone. However, even though this is still an on-going investigation, XXXX is and will be found responsible for complete payment of XXXX. Subsequently, now that I have researched this further and XXXX XXXX acknowledged that this is happening in all of these banks, this is a conspiracy to defraud the banking system and therefore their various account holders. I am not an account holder at XXXX or 5th Third Bank and these crimes were cybercrimes. I insist on all my monies back and will do everything in my power, go to the FBI, Banking authorities, media etc. to exploit and educate the consumers about the fraud taking place at these banks. IF my monies are not returned to me, I will take this to a higher level.
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| 02/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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After an error with fifth third 's direct deposit I found myself facing a possible foreclosure in late XXXX. My wife at the time was in charge of our finances and did not catch the error because she thought the payments were coming out automatically and we had plenty of money then so she didn't think twice about it. I submitted an application for assistance but it was taking so long to process that we had to borrow {$10000.00} from her father to pay of the back mortgage, fee 's, etc. My wife 's error in not checking our account unfortunately lead to the start of our divorce. Soon after we made the payment to the bank we went to check on the condo since we hadn't heard from our tenant. The tenant had received a foreclosure notice and had moved out. When she left she stole all of our appliances, ceiling fans, cabinet droors, light bulbs, ruined the carpet etc. I had no money to fix the place up so and going through a divorce so I could not make my payments. I submitted an application in XX/XX/XXXX asking for assistance. When it came back I called in to see if i could do a deed in lieu and the rep said he would process it. After that i received a letter that i didn't understand so I got my lawyer involved and he said we had til XX/XX/XXXX for a hearing. Then i received something in the mail in XX/XX/XXXX saying a hearing was completed and that my condo was being foreclosed. I then asked for help again, hired a realitor, and wanted to do anything i could to stop the foreclosure. The bank said i needed to submit another application for assistance so i did in the beginning of XX/XX/XXXX. My realitor received offers and kept calling to see if they would accept a short sale with waiver but no one would ever call her back. I had given her permission to speak on my account but no one would ever call her back. Finally someone called her back and told her that they needed another application for assistance by the end of the day. These applications are very time consuming and i had just submitted one less than 30 days ago. The original one i sent in had everything the needed so i felt like i was getting harassed at that point. I decided to take off work, fill out another application, get all the documents they needed and i sent it back over. I just got the results back and they are offering me a loan modification but there are 2 problems with that. 1. I received it Friday XX/XX/XXXX when i got home from work. It said that the decision was due by XX/XX/XXXX which was that Monday. Monday is a bank holiday so how could i get it back by then. My lawyer would not get a chance to review it and so on. Then the verbage said i needed to have everything in 37 days from the date of the foreclosure which had already passed. I feel like this was a cruel joke and after all i have been through it just broke my spirit. It said short sale and deed in lieu where not applicable because they had offered me something else. I specifically this entire time have been asking for a deed in lieu and if not maybe a short sale with a waiver. I have two friends both in the same situation and their banks had give one a short sale and the other a deed in lieu but here i am getting the run around and getting beat down by a bank that doesn't seem to care about a persons life or situation. 2. I turned in a budget and my financials to the bank. I don't have any money so the solution they offered me would not work since i don't have any money for any mortgage no matter what the modification was. Its like they didn't even read my application or hardship statement. I feel like i am being discriminated against. I paid twice what the property was worth before the market crashed, paid interest for 10 years, paid {$10000.00} cash, and when i couldnt pay the mortgage i hired a realitor and have a good offer on the property. Why is fifth third not willing to help me? How many other people get help. I paid every bill on time my entire life until this. I always tried to do the right thing and here i am about to file bankruptcy. The bank would get less in a foreclose so why wouldn't they accept an offer that we had gotten for the bank especially after understanding my situation. I am broken because of this and just want someone with some compassion and understanding to help me out. My hardship statement will be attached and also the letter i received from the bank giving me no time to respond back to them. I am also thinking about taking this to the media since i know people who received help that were way better off than me. I have done everything asked of me and devastated that i will have to file bankruptcy over this.
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| 02/23/2022 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
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I entered forbearance around XX/XX/XXXX due to me being furloughed from work because of covid-19. I made sure to stay in touch with the lender ( 5th 3rd bank ) through out the process. I qualified for two XXXX extensions due to my mortgage being a FHA loan. When I entered the last month, ( XX/XX/XXXX ) I began calling my lender to find out my repayment options and to see what I needed to do to get my mortgage situated to becoming current. I was waiting for some paperwork to be sent to me for a loan modification, which I never received. I called at least 10 times during the month of XX/XX/XXXX to see when the paperwork would be coming. I explicitly asked the 5th 3rd bank agents, am I still protected under the forbearance plan due to the fact that I did not receive and paperwork or any repayment options of any sort in which multiple agents assured me on phone calls that stated they were possibly being recored for quality assurance, that my protections under the Cares Act would be extended until everything was finalized. I asked multiple times were any derogatory comments or any negative actions be taken to my credit and they told me I was protected from that. Around XXXX XXXX I began receiving paperwork in the mail about that caused me concern about me getting ready to be in a stage of loan default. I called 5th 3rd bank as soon as I received the letters and was told I had nothing to worry about my coverage was still extended because my paperwork was not sent out yet and that it was a hold up due to the title not being cleared yet. At this time XXXX XXXX I still had not received any paperwork for loan modification or any type of repayment options. I was also receiving multiple calls from another department from 5th 3rd bank asking if I was able to bring my account current. I explained to them I was still waiting for the loan modification papers, I was put on hold and then told I was ok, just wait for the paper work to arrive. As of today XX/XX/XXXX I still have not received anything. I eventually kept calling them throughout the month of XX/XX/XXXX to see what was going on as I received more paperwork regarding possible default, the agent ( XXXX ) then told me they were noting my account to have the other department not to call or send such material and that my forbearance coverage and protections were still extended until I get my paperwork and review it and see if thats what I wanted to do. When the calls still kept on coming I then called back and said I want to get my payments reinstated due to me having fear of losing my home. I was told they would send me some paperwork for putting the owed amount on the back end. On XX/XX/XXXX I received a notice from my credit tracking services that 5th 3rd bank had left a negative comment of default to my credit report causing my credit score to plummet over XXXX points that day, I then called 5th 3rd bank 3 times that day and was told I was still being protected and to send a email to the loss litigation department and send a screen shot of the notice. I then did that as well and I called back again the next day when I received the same notice from XXXX XXXX XXXX. I was told on XX/XX/XXXX by a XXXX XXXX agent that my protections ended XX/XX/XXXX and then on the same conversation that I was still protected. She also told me that my paperwork was delivered and then that it was delayed after she checked the XXXX tracking number. I called back again the XXXX and was told they escalated this to a supervisor and that they would call me back. I then called back on the XXXX and was told the paperwork was delivered, upon me letting them know I did not receive the paperwork it was discovered that they sent it to the wrong address. I then received a call from a supervisor stating that he was sorry that they gave me wrong information and that my paperwork was sent to the wrong address and that my protections ended on XX/XX/XXXX And that he would reach out to a account specialist to see if they can get my credit report straightened out and that my protections are now being extended to XX/XX/XXXX. I let the agents know as well as the supervisor know that I entered the hardship not because of good fortune but because of financial hardships and that me losing XXXX points from my credit score would have catastrophic effects on my life and finances beyond measure. I have done nothing but what XXXX XXXX banked asked of me, I feel as if I am being pressured to make a choice ( XXXX ) with no paperwork, miscommunications out right contradictory conversations and just mis communication between the departments and staff at 5th 3rd bank.
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| 01/25/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
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- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
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Web |
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on XX/XX/XXXX I had attempted to use an atm- which would not process my transaction- and asked if i would like to process as a cash advance instead- i declined this- however the charge of {$480.00} plus a $ dollar fee were charged to my acccount- I assumed this would fall off and was told by a worker where the location of the atm was that if i did not do the cash advance, it will only show pending for about a day.. I contacted XXXX XXXX the next day or so XXXX or or XXXX, the payroll company card that i used, with this transaction -- i received no funds, i explained to them what happened and they told me it will show pending for a few days. I noticed the funds cleared the account when i was unable to use the card in future days -- I contacted the number on the atm machine and was told i have to contact my bank.. -- i officially made a dispute on XX/XX/XXXX XXXX apparently no dispute had been put through- i made numerous follow up calls through out each day since XX/XX/XXXX until today XXXX and each time i am asked what happened- i was also told by about 4 different representatives that i would have to wait 90 days to receive my funds back, in which i know this information is completely wrong. - they told me because they " XXXX '' are not the ones who took the money it was a different bank that i had to wait a full 90 days for an investigation and to receive my funds, and because " they '' did not take the funds, they would not be reissuing my funds, even as provisional credit.. -- i was told that i would be sent a new card and in the mean time i blocked my card from purchases through their app -- i was told i would be able to still use the card until i received the new one which would take up to 10 business days- ( i had another pay roll deposit put onto that account on that account/card on XXXX ) - i have since been told no one had sent me a card- and that a dispute would not be filed until i received some paperwork from them in the mail- however I sent a written dispute directly uploaded to XXXX XXXX upload site, which prompted XXXX compliance to ask me for my drivers license and social security card to " un lock " my account since at some point a rep deactivated my card- and i am now unable to access my most recent payroll deposit. -- after sending the requested id and social- i asked them why what exactly was being done- and specifically what was the reason for asking me to upload these documents- they have not replied.. the only reply from XXXX compliance who requested these documents- i received was thank you we were able to verify the documents and to call the number on the back of the card.. -- i explained to them how i am not getting any help or answers from the customer service line - still no response.. when i call the disputes line, speak in the XXXX XXXX app- or call the number on the back of my card or their customer service number- still no real response. just run arounds on how they do not know any time frames, asking again to explain my dispute, repeatedly put on hold and hung up on.. i have received no type of email from them- no paperwork, nothing on my online account indicating my dispute or issue with accessing funds, -- - only thing i have been able to confirm is that i have not been sent a replacement card, no one has yet unblocked my account so i can access my funds, and according to them i have to wait for them to mail me something before i can start a dispute and before i can get a new card and this process will all take 90 days ... - i did speak with a couple different reps telling me they were escalating this, and i would receive an email or a phone call - also a couple times was told i would be receiving the provisional credit for the transaction in error within 24 hours - non of which has occurred. -- At this point I feel as though my funds have been stolen and i will get no resolution- they are holding onto my payroll deposit as well as ignoring my dispute and refusing to rectify the matter -- i know there are regulations when it comes to money- disputes, cards, and withholding funds yet no one with this company knows anything about finance.- I can say they did OFFER to send me a new card, i asked for it to be expedited at this point - they told me they would be able to expedite and i would receive in a about 3 to 4 days for a XXXX dollar fee.. -- - i told asked for the fee to be waived , they told me they would not- This company needs be looked into and dealt with as they are mishandling peoples accounts.- the card is a XXXX- the XXXX Card is issued by the Fifth Third Bank , National Association, -
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| 03/05/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To whom it may concern at the CFPB, I am representing my senior citizen father XXXX XXXX XXXX by writing this letter on his behalf. We truly hope that you can intervene on our behalf against FIFTH THIRD BANK the Bank that Financed all the charges for my father 's broken air conditioning system that he purchased with a XX/XX/XXXX Credit Card. This case is about my father being charged {$21000.00} for an air conditioning system that is not working properly. We have complained to get our money back through XXXX XXXX, the store that sold us the broken unit. To this day, they have still not responded to our many complaints. So now, we are trying to get the BANK that financed the XXXX XXXX Credit Card purchase of the AC system to give him his money back.
On XX/XX/XXXX, my father went to the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX to make a purchase. They charged my father on his XXXX XXXX consumer credit card almost {$21000.00} dollars. We have all the documentation and receipts if you ever need to request them from me. The purchase he made on his consumer credit card was for a brand-new central air and heat system, which would be installed at his home XXXX XXXX XXXX XXXX XXXX, CA XXXX. Again, the bank that financed the XXXX XXXX Credit Card purchase in question was FIFTH THIRD BANK. Please see the attached copy of the financing document that contains their name.
Unfortunately, my father was unaware at the time of purchase that THE XXXX XXXX would not be installing the system. The salesman for XXXX XXXX by the name of XXXX XXXX XXXX never explained that a 3rd party vendor by the name of XX/XX/XXXXwould be doing the install. For the first few months, he did not many problems with the install, yet after only 6 months we did notice that the house would either get too hot or too cold. This was the first of many issues we would have. We then started seeing that there were more problems. We tried getting hold of the XXXX XXXX XX/XX/XXXX after 7 months of purchase to come to do what they called an AC Tune-Up that was part of our service plan. They never came. We tried on many occasions and months went by and they refused to show up, even when they said that they would. The problems with our system continued to mount. We have a warranty form from XXXX where it states, If for any reason, within one year you are not 100 % satisfied, we will make it right or refund your money. We assumed they simply wanted the one year to pass by before contacting us back. We were so upset with XX/XX/XXXX XX/XX/XXXX who insisted we contact XXXX, that we hired a separate AC company in XXXX County to come to a service on our AC heating system. It was at this moment that we realized the trouble we were in. The nice repairman spent only about 10 minutes on the roof when he came down and told my father, I dont know who installed this system, but there is nothing I can do for you. They did a terrible job of installing that system. The way they installed it makes it impossible to do this service. The man refused to charge us, so we stepped up the calls to the XX/XX/XXXX and XX/XX/XXXX After months of trying to help, yes, the XXXX XXXX finally came to our house after the one-year guarantee of course. They sent two of their managers to inspect the home and they confirmed that yes the installation was not done correctly. Unfortunately for us, they said that the year has passed by so the best they could do was fix the system. They refused to give our money back, and they refused to replace the system as we asked. We attempted many times to walk into XX/XX/XXXXXXXX XXXX store in Anaheim to ask the Managers to intervene on our behalf with no luck. They kept telling us that we will look into it and call you back, we have yet to receive a call.
Ultimately, yes, we hired a lawyer to take the case against XXXX XXXX XXXX XXXX, and XX/XX/XXXX. The lawyer we hired supposedly filed the case in XX/XX/XXXX, yet we have not heard anything yet. We hired a lawyer to represent us back in XX/XX/XXXX. We are now in Late XX/XX/XXXX, yet we have no resolution. We believe now that the installer probably thought that the XXXX old man will not complain much so the installation was poor at best. Our lawyer agrees with that sentiment which is the main part of our case against XX/XX/XXXX XX/XX/XXXXI am a U.S. XXXX Veteran, so I have been getting involved since this whole thing started. A family friend informed me about the CFPB, Consumer Financial Protective Bureau, which is why we are filing this complaint. We pray that you will assist us in getting our money back.
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| 05/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On Sunday XX/XX/XXXX my vehicle was wrongly repossessed for a failure to make payments by Fifth Third Bank. The two most recent payments had been made on or around XX/XX/XXXX, cashed on XX/XX/XXXX, and XX/XX/XXXX, cashed on XX/XX/XXXX. However, they failed to credit my account properly and it fell into delinquency. Compounding the problem, the bank failed to notify me in writing that the account was becoming delinquent. They simply called and left several messages on my voicemail demanding payment without any details. Upon receiving the messages I investigated the problem in my online account where I found no notification of outstanding balance due. There were no messages or notifications internal to their documents section indicating a past due problem, no past due notification on the account dashboard, no messages sent to the account 's email address on file, and no hard copy letters sent to the accounts delivery address. Most frustratingly, and to be frank unbelievably, there are no customer available hard copy and/or e-statements for the account indicating past due payments.
When I contacted customer service on XX/XX/XXXX, I spoke with XXXX who indicated I would have to make a hard cash payment at a Fifth Third Branch for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXback payments, and one month in advance, XX/XX/XXXX, as well as pay the XXXX repossession fee before they would release the vehicle. I requested to know why I received no written notification the account was becoming delinquent to which he responded they were not required to notify me and that they only make telephone calls as a courtesy. I asked him how I could retrieve a copy of the account 's monthly statements to reconcile payments made, which he responded they didn't keep monthly statements for the account. At this point, I indicated this was unacceptable and requested to speak to his supervisor to obtain a copy of the statements.
His supervisor, XXXX, provided no additional help. He would not provide copies of the statements further indicating the bank didn't keep those records, and stated it was my responsibility to ensure payments made were properly credited to my account. This is in spite of the online account information being incorrect and me informing him I had copies of the cancelled checks where they had been cashed by Fifth Third. Still seeking satisfaction, I requested to speak to his supervisor, which he refused, and simply passed me off to XXXX in the internet department to see if XXXX could determine why delinquency notifications were not being properly reflected in my online account.
At this point, I visited my local 5/3 Bank to resolve the issue. The bank manager XXXX XXXX XXXX was able to determine the cancelled checks were indeed received and not properly credited to my account. After he failed to determine where the funds were credited he called the back office who indicated they they also couldn't locate them but would look into it. To get my vehicle released, I was required to make three equal payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. He was further able to get them to waive the {$390.00} repossession fee. Combined with the final check which I informed him was written on or around XX/XX/XXXXbut yet to be properly credited, I am now fully paid up nearly three months in advance through XX/XX/XXXX on a vehicle which currently resides in impound.
I understand with many thousands of transactions processed on a daily basis, sometimes items get misplaced and/or missed. However, this isn't an issue of a simple misplaced payment. From top to bottom, Fifth Third has no document tracking in place for my auto loan. They keep no statements, reflect no past due payments in my online account, provide no email communications around failure to receive payment, and have no internal payment tracking controls as they still haven't located my lost payments. They simply indicate it's my responsibility as the customer to ensure checks which clear my account are accurately reflected in my online banking in spite of this online banking system having no way for me to know there is a problem and no access to monthly statements for reconcile.
This wasn't a mistake, it was gross negligence boarding on predatory/abusive lending practices. Further this entire repossession could have been avoided with a simple email to a customer using an email account they had on file. An email sent to a customer upon an account going delinquent isn't an unreasonable request. Especially prior to repossessing a customer 's sole method of transportation and personal asset.
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| 07/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, This is my third attempt due to the bank responding with incorrectly.
They responded with documents provided that does not showcase that they attempted to contact me about not receiving payments until AFTER the repossession of my car. I was under the assumption that I was on automatic payment. Never received a phone call, voicemail, online message, etc. from Fifth Third. They continue to provided documents showing the missed payments NOT the attempts to contact me. You are not allowed to do what they did as a company without contacting the buyer.
Also, beginning XX/XX/XXXX they proceeded to take out DOUBLE PAYMENTS in my autopay. I had to call multiple times to resolve this issue and try to receive the the incorrect additional payment back. I still have yet to receive the physical check they said they had to send instead of refunding it directly to my account. I now am OFF autopay because I do not trust this company and will continue to make my payments on time as I do with all my other financial responsibilities. Please check my credit history for proof if needed.
PLEASE ADVISE!
Below is the full description of the incident. Remember every time this company responds to this manner they show documents of my MISSED PAYMENTS NOT THE ATTEMPTS TO CONTACT ME ABOUT THE MISSED PAYMENTS. THEY DID NOT CONTACT ME EVER UNTIL I DISCOVERED MY CAR WAS REPOSSESSED.
I was never properly notified about any missing payments for my auto loan with Fifth Third Bank. I set up automatic payments in XX/XX/XXXX in which I was just told XX/XX/XXXX that it was only set up for two months and stopped XX/XX/XXXX. I was told the bank sent me automatic operative phone calls to notify me but those numbers come up as SPAM on my XXXX so I do not answer them. I was never given a voicemail, letter, inbox/documents tab on their online banking, etc. about missing payments. I did not know about this matter until I walked out of my home Friday afternoon XX/XX/XXXX to find my car was missing. I immediately called XXXX thinking it was grand theft auto but come to find it was repossessed due to the missing payments. I am a very responsible person and make sure to pay my bills on time so I was in utter shock to find this information to be true. I spoke with the company numerous times in which they would not allow me to speak with a representative due to them being busy. I was told there are only 2 supervisors working compared to the 300. I would love to resolve this issue and miscommunication because it was drastically affected my credit history/score. Thank you for your time and looking forward to hearing from you. For reference my payments are around $ 311/month and I had to pay a total of {$1400.00} to receive the car back. I have paid the past due bill in full as soon as I heard of the event and scheduled payments through XXXX in which that is how far the representative would allow me to go. I am in the process of trying to retrieve DOCUMENTS SHOWING THE PHONE CALLS THEY CLAIM TO MAKE THREE TIMES A DAY TO CONTACT ME! NO RESPONSE FROM THE BANK. The bank is claiming that they notified me which I did not receive XXXX notification ( phone call, letter, online, etc. ) They have sent me MULTIPLE letters a day AFTER I repeat AFTER XX/XX/XXXX when I discovered this issue!! I find this very interesting because I did not receive NOT ONE letter in the mail notifying me of any missing payments but now ever since XX/XX/XXXX ordeal I receive MULTIPLE letters a day from the bank. They are claiming that I did not login since XXXX into my online banking in which is true because I was under the under the assumption I set up automatic payment and since I was never notified I didnt think I was missing any payments. The bank proceeded to deny this and claim that what I am claiming is false which is NOT true! I have attached all records indicating this! Fifth Third Bank please provide all records showcasing the phone calls they claim to make or letters they claim to send or any notification they claim to make please send them my way for my legal records. I REPEAT ... Fifth Third Bank please provide all records showcasing the phone calls they claim to make or letters they claim to send or any notification they claim to make please send them my way for my legal records. The records they mailed me and included on this claim does NOT show me and prove that they attempted to reach out to me the record just showcased the other long contract and the loan history. I am very concerned confused and disheartened by this. Thank you again for your time. Best, XXXX
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| 08/26/2021 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/2021, my father passed away. His name is XXXX XXXX XXXX. To my knowledge, my Father maintained his own financial affairs. To date, no one has provided a POA giving authorization to handle financial affairs on behalf of Mr. XXXX.
On XX/XX/2021, I reached out to Fifth Third bank to notify them of my Father 's death and the documentation needed to move forward. The representative asked me if I was the executor of the will. I never mentioned a will and advised the representative that is to be determined. The representative advised the death certificate would be sufficient to notify the bank of his death.
On XX/XX/2021, a notarized death notification letter was sent to Fifth Third bank. The document included his name, last known address, date of death, and social. I also included my identification. The bank never responded to my letter.
On XX/XX/2021, XXXX County granted letters of administrator to me along with the declaration of heirship. I am Mr. XXXXXXXX XXXX only child. Those letters were taken to Fifth Third Bank ( XXXX XXXX XXXX, XXXX, IL XXXX ) and XXXX XXXX XXXX assisted me. Mr. XXXX questioned every aspect of the document. When advised I was not a resident of IL and how important it was to resolve this matter, he became aggressive with his questioning in regard to where I was staying while in IL. As a female traveling alone, that made me extremely uncomfortable. Mr. XXXX was in possession of my ID and other personal identifiable information. There was no reason to extensively question me about my accommodations when the matter at hand was my Father 's accounts. Mr. XXXX could not answer any of my questions with a clear answer. He would only provide me with information regarding the checking account. When asked about the credit card, he told me another company handles it and he couldn't provide any other details. I requested bank statements and Mr. XXXX advised me due to legal reasons, he could not give them to me. He insisted they had to be mailed to my Father 's last known address. Mr. XXXX did not provide me with a final letter at the time of my visit identifying all accounts were closed. Mr. XXXX was asked repeatedly if all affairs were resolved with my Father 's account ( s ) and he said " yes ''.
After consulting with an attorney, it was confirmed I have the authority to request bank statements as the administrator of the estate. I also made sure my Father 's mail was forward as of XXXX in order to make sure I receive the bank statements I requested at the branch. More than 3 weeks passed and no statements were received. Mr. XXXX initially claimed he sent them, but he immediately backed down when I informed him my Father 's mail comes to me and they never came. Mr. XXXX ended up releasing 6 months of bank statements after hours of discussing with legal per him. Mr. XXXX actually told me, " Yea, I spoke with legal and decided to go to lunch before calling you back. '' Mr. XXXX has insulted my intelligence and disrespected my time throughout this process. He has impeded my investigation as the administrator of the estate.
The bank statements from Fifth Third Bank was received on XXXX. One of his bank statements confirm egregious activity on the date of his death. An online transfer was completed on XXXX and then it appears a cashier check was released for a large sum of money. Mr. XXXX and representatives of Firth Third Bank were aware of this information and has made it impossible to find a resolution with them. No representatives by phone will assist me. Mr. XXXX appears to have a bias in the situation because he continues to treat me in a manner that insinuates I am a criminal. I am the administrator of the estate and the only declared heir. If my Father intended on anyone else having access to his funds, he would have left a will.
Fifth Third bank allowed an online transfer to take place and released a large check to a potentially unauthorized individual. The bank never acknowledged this action and continues to impede my investigation. Mr. XXXX should have been honest about all banking activity while I was at the branch. He failed to provide me with account numbers and most important, failed to mention the savings account.
After several failed attempts to speak with the complaint department, corporate, and the branch directly, filing a complaint is the best option. These actions potentially violate the contract between my Father and Fifth Third Bank. Mr. XXXX and Fifth Third Bank has not been forthcoming with information regarding the questionable transaction.
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| 04/04/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I was charged multiple overdraft fees for transactions that had occurred on my account with fifth third, that according to their outlined overdraft coverage policy terms, should not have been authorized in the first place.
As is stated in their how it works enrollment explanation : As part of our optional Overdraft Coverage, we do not authorize and pay overdrafts for the following types of transactions unless you instruct us to do so by opting in : ATM transactions Everyday ( one-time ) Debit Card transactions It also states that they choose what they will or will not authorize at their own discretion unless instructed otherwise. I have personally requested that if the funds are not available in my account to not authorize any transactions that would cause an over draft to occur, yet it happened anyway.
Therefore these charges were not valid as the associated transactions were not authorized to take place.
When confronted about this I was told that this is not what what their policy states and that Ive misinterpreted it. Then was provided no further explanation as to what it was that I was being told that i had misinterpreted.
Seems to me that a banking error has occurred either due to neglect or outright denial of rendering of services as theyve been outlined and presented. There is also a stipulation outlined within their policy that states as follows : your Fifth Third savings, credit card, or line of credit to cover overdrafts. This option may be less expensive than standard Overdraft Coverage.
This was never attempted nor was it even offered, I had to go digging in order to find out it was even an option. I believe this all culminates in representing what would qualify as falling within malicious practices of a financial institution towards their clients. In this case I had asked what charges specifically initiated these overdraft charges of 2 separate overdraft fees of {$37.00} on XX/XX/XXXX and was told they were one charge with XXXX for {$50.00} & one charge with XXXX for {$17.00} Im not enrolled in automatic bill payments with my XXXX account, and only make one time payments with all of my credit card accounts. If a payment is not made as an automatic payment it can only be a one time payment, as far as I understand it and is stated by the financial institution itself when said payments are made. I was told by a fifth third employee that neither of these two transactions were considered one time payments and that if they were it would be stated as such.
They did not state where it would be stated or offer any further explanation as to why my one time payments are not considered one time payments and when prompted to then explain what qualifies as a one time payment they proceeded to claim they had already described this information.
There was also a charge filed on my credit card with this fifth third in XXXX of XXXX in the amount of {$29.00} for whats stated as late payment fee Ive asked about this directly on no less than 3 separate occasions as to what exactly I was late in having made a payment towards as I have in fact, never been late in having made a payment with my account or with then fifth third in general. Yet this fee is posted on my account and not only have they refused to provide correction or acknowledgement of the charge, they dont appear to have any explanation as to why it was charged in the first place.
In conclusion, I believe my experiences with fifth third demonstrates a pattern of behavior in which services offered and agreements with the public has been misrepresented & that their employees are actively engaging in breaching of their own stated policy agreements at their own discretion. In addition to this, when confronted with evidence of this instead of offering evidence of their own or even attempting to work to reach a resolution their outright denying denying that their services operate as outlined within their own stated policies. Policies of which are openly available & can be referenced for review on their website. After speaking with 3 employees, resolution dept, a supervisor & reaching out to their corporate representative as was designated by the resolution dept supervisor, I feel I have no other option than to file this complaint. The intention of this complaint against fifth third financial is to outline what appears to me to be behavior that demonstrates unethical as well as dishonest conduct & potentially malicious practices against or at the expense of their customers and/or clients.
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| 06/11/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XX/XX/XXXX My brother called me urgently to say someone from a firm called XXXX XXXX XXXX XXXX XXXX had called him and needed me to contact them urgently about debt collection. I called them with my case number and spoke to a XXXX XXXX, a paralegal from this firm in XXXX, XXXX ( at least that is the name he told me ) he proceeded to tell me by telephone that I was being given a summons/complaint against me for not paying debt to Fifth Third Bank that was from XXXX and we are in XXXX, and in my state of XXXX the statue of limitations is 6 years. He proceeded to tell me the statue of limitations is 7-10 which is a lie. The only debt that comes to mind is something that I already paid off that same year in XXXX and paid in full, meaning the debt was already settled. But he tried to convince me it wasn't, when I told him I had been out of the country for 10 years and can not confirm this debt and to please provide me documentation he told me that they had been sending it to my residence, and address I haven't lived at for more than 10 years with a drivers license that opened the bank account, he had my social security number and told me they had been sending letters for months. I told him I do not reside nor have I resided there, and I had been out of the country and this could possibly be identity theft, he then proceeded to become very aggressive, using profound language and told me that if that this will become a misdemeanor on my credit report, that when we go to court I will have to pay attorney fees, plus the amount, and also if I can not pay they will put a lean on my wages, repossess my car, tax on bank levy because this account had become delicuent and Fifth Third Bank in ohio was demanding repayment. When I told him I wanted debt verification in written form he told me it would be at the courthouse in XXXX county, XXXX, and I could pick up all documentation there. I told him maybe it was best he could speak to my lawyer, and he became even more aggressive and insulting in which I had to ask him to please calm down and the way he was speaking to me was inappropriate very aggressive. He gave me not details on the account and only told me it was passed on to them from {$620.00} at the bank and now with interest was at {$1400.00} but would not provide me any proof of debt verification. Finally, I asked him what my options were and he said I am only calling to tell you that this will be filed in court by next week, in which I still did not have confirmation of why I was being sued and for what for. I proceeded to ask if a settlement was possible in which he changed his tone immediately and I told him I do not have the money to pay which he said he would be happy to do a three way call with a relative who I would have to borrow from to explain the same thing he told me. He then had his " administrator '' XXXX XXXX, send me a docu sign, with grammatical errors and incorrect dates and also asking for my credit card information and also the three digit code on the back to be paid to a XXXX XXXX XXXX. I told him I needed until Monday to review and speak to my relative so he sent me a " settlement demand proposal '' and proceeded to tell me that as soon as I pay, my credit score will be changed and told me I should take out a credit card to help my credit score, and then told me that I can write off the interest that I pay from the accumulation on my taxes which does not have any relevance. I have taken the time to research my legal rights, contact various lawyers that sue for illegal debt collection, who have all told me that this firm has broken the law and is not legal, this firm doesn't even have a website, and the people I supposedly spoke to are no where on the internet, I couldn't even find this name on the internet anywhere. I looked up the address listed on the settlement proposal for the firm, and it belongs to car accident attorney firm that is not even close to having the same name as this debt collection law firm. I have mailed a debt collection verification letter to the address provided, and also scanned and faxed to their number they gave me. However, I am sure that this is not a legitamite debt collection agency, and also I am sure that I do not owe any debt to fifth third. Firm is called XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, phone : XXXX XXXX and fax : XXXX XXXX, if it is legitimate upon receiving my debt verification letter they will need to verify my debts and then can proceed.
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| 09/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have exhausted all methods presented to me by the Mortgage servicer 5th 3rd bank.
The Mortgage is held by XXXX XXXX.
I was laid off in XXXX of XXXX and in order to try and lower payments, I refinanced with 5th 3rd in XXXX of XXXX. That single act prevents me from using the HARP program.
I kept working off and on in a poor economy for many years and struggled but made my mortgage payments.
However, In XXXX I filed for bankruptcy and subsequently in XXXX, I was no longer able to make my mortgage payments.
The servicer filed for foreclosure in XXXX.
After recovering financially in XXXX, I approached the servicer and asked about my options. One option was a new mortgage, 40 year term, same interest rate as before which was 4.75 %. They wanted all of the back payments, their attorney costs and their late fees rolled into the new mortgage.
The house is not worth this much money. The house is worth {$100000.00} less than that total.
I tried to negotiate that with them but got nowhere. I even tried by contacting XXXX XXXX. Their answer was that there was no program in place to cover a reduction in principal. Did n't my tax money bail them out in XXXX?
Anyway, I am now in a short sale situation with a buyer who has cash. It took one year of market time to get to this scenario.
I have showed with an appraisal, qualified contractor estimates, and an inspection that the house is worth {$50000.00} less than 5th 3rd 's simple and quick BPO ( which is solely based on comparable closing prices in the area ). It took many attempts to get 5th 3rd to not rely on their armchair property appraisals and request a BPO. Before that, they never involved actually looking at the property and valued the property another {$50000.00} higher.
They ( the servicer ) has delayed the closing by not approving the sale, but also by not disapproving the sale. 2 closing dates have been missed. The first was scheduled 90 days after the servicer received all required paperwork and documentation they asked for - scheduled for XXXX XXXX. Docs were sent XXXX XXXX. The second closing was scheduled for 30 days after that on XXXX XXXX. We are now over 5 months out from the initial closing date. The servicer had all of the documents they were asking for and the servicer continues to delay the process by not returning calls or emails. The servicer used to have a single point of contact in place early on in the short sale process. That person has been promoted and his supervisor is now handling my short sale. The supervisor will not give me a phone number, so I need to call the general phone number to 5th 3rd every time I try to get a status update. I am required to go through the entire history in order to get transferred to the supervisor who is never available and never calls me back. They have not scheduled a second BPO yet. XXXX XXXX said the previous one is expired and they need it as a part of their process. It has been over one week since I spoke to XXXX XXXX on XXXX XXXX about them needing a new BPO, and no action has been taken by 5th 3rd. The only reason a second BPO is required is because of delays from 5th 3rd. When the supervisor ( XXXX XXXX ) took over my short sale case, he said there were no docs to support my assertion that the property value was less than the first BPO. I have email documentation that XXXX XXXX ( the previous handler of the short sale ) received the supporting docs from me 2 months earlier on XXXX XXXX. He was supposed to forward those docs to XXXX XXXX in order that XXXX XXXX can make the decision regarding the short sale. They never forwarded them because why? nobody seems to know. at month XXXX, those docs were finally sent to XXXX XXXX by 5th 3rd. Now XXXX says they need a new BPO. The delays and ineptitude is more than staggering. They seem to be trying to delay in order to push the foreclosure along while delaying the short sale indefinitely. I have opened up 2 complaints with XXXX XXXX that also go unanswered. I keep calling but I do not get called back and I do not get any satisfaction with these so-called escalation calls to XXXX XXXX. In the 2 months I have been dealing with XXXX XXXX at 5th 3rd, I have received 2 emails and one phone call from him. I call weekly and leave messages. Both times he called, he said, yes I will get to your case. And then more delays and things seem to stagnate. I am at risk of losing this buyer and I have done everything that 5th 3rd and XXXX XXXX have asked me to do.
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| 11/04/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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Fifth Third clearly violated the Equal Credit Opportunity Act ( ECOA ) while processing my Home Equity Line of Credit on XX/XX/XXXX. One important reason that Fifth Third violated the Equal Credit Opportunity Act is that I experienced disparate treatment. According to US labor law, disparate treatment is when an individual of a protected group is shown to have been singled out and treated less favorably than other creditworthy borrowers. A simple analysis of Fifth Thirds lending practices would obviously show that similarly-situated borrowers not in the protected class do not wait an average of 12 weeks to close on a Home Equity Line of Credit ( HELOC ). A basic analysis of race data in HELOC applications would be more than enough evidence to prove that Fifth Third discriminated against me. Now, Fifth Thirds Office of the President has argued that they needed additional required documentation for underwriting and this was one of the reasons for the delayed closing. But the complaint that Fifth Third has clearly violated the Equal Credit Opportunity Act is still true. Fifth Thirds additional documentation argument is flawed because every requested documentation was done electronically via email. I have email evidence that shows the conversations along with the ( date and time ) various additional documentation requests were made by Fifth Third and the ( date and time ) I submitted them. My quick turnaround submission of these documents will undoubtedly shows that their reason for a 12 week closing is dead wrong.
Another key reason that Fifth Third violated the ( ECOA ) while processing my HELOC application is the underwriting department created barriers making it more difficult for me to close within the standard timeframe. Fifth Thirds initial operating procedure in applying for a HELOC is to run a credit check, verify employment and home insurance for all applicants. A basic review of Fifth Thirds HELOC application procedures will serve to prove that Fifth Third exhibited discriminatory requests from me that was out of line with their standard practice. Of course, Fifth third claims that the 12 week closing on the HELOC was due to clearing up a delinquency on my credit report, verifying income and the mailing address on my insurance policy. However, the weight of the evidence is on my side. What must be remembered is that these are initial steps in the application process and should have been verified months before I received a second request to provide this information again. I also have email proof that shows the ( date and time ) I submitted the required documentation and the long time period in between Fifth Thirds second request for the same information months later.
A major reason that Fifth Third violated the ( ECOA ) with regard to my HELOC application is they have a pattern of discriminatory lending. In XXXX, Fifth Third agreed to pay the federal government {$18.00} millions dollars after claims it charged XXXX and XXXX customers higher rates for auto loans. This proves my situation is not unique but apart of Fifth Thirds standard practice of discrimination. Fifth Third has admitted to providing me with misinformation about the type of appraisal I should receive but there are many more examples of how I was misled throughout the entire HELOC application process. I have proof of multiple email conversations Ive had with the loan officer, general and regional managers at the bank, and the underwriting team at the XXXX Michigan location that clearly point out specific examples of disparate treatment. All parties noted did nothing to rectify the situation after months of discontent. Therefore, I was forced to log a complaint with the XXXX XXXX XXXX. Even after the complaint was logged, Fifth Third made little effort to close on the HELOC. Finally after 11 weeks, I sent all noted parties an email stating I was drafting a personal letter to XXXX XXXX XXXX ( Chairman of the Board, President & CEO ) at Fifth Third and XXXX XXXX Consumer Complaint a detailed account of my experience with the HELOC process. Ironically, I got a call the next day asking me to come into the bank for the closing. This not circumstantial, it clearly demonstrates guilt and an attempt to cover-up the disparate treatment I experienced. Consider all of the evidence and reasons I provided, there is no doubt that Fifth Third violated the Equal Credit Opportunity Act ( ECOA ).
Sincerely, XXXX XXXX
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| 08/02/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Company closed your account
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Web |
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Without explanation or warning I received a letter from 53 Securities and Insurance ( XXXX XXXX ) stating they were closing all my accounts. No reason was provided. That's issue # 1.
The most important issue however for this complaint is that they are going to liquidate all my funds in annuities, IRAs etc and send me a check. They have ignored and not addressed penalties or tax repercussions that may result from their actions. That's issue # 2.
They did not ask me how I want my accounts distributed ; They did not take into consideration that I am already taking payouts from an annuity - and what this liquidation will do to those annuities ; They did not attempt to get my permission or ask for any other recommendations They refuse to provide a name and number so I can ask someone these questions, directly AND possibly request an extension.
They simply made a decision, refused to discuss it, showing no concern for the severe harm this is, and can cause me financially.
Although their actions are shocking and inconvenient, I am in the process of researching where I can move my funds. This is not an easy task and I don't expect it to be completed quickly. My main concern is still what other impacts are in store for me because of their actions. Additionally I have no way of knowing that I can complete all the transfers I need to do by the XX/XX/XXXX date they've given me. I attempted to reach out to the author of the letter that was sent to me, but 53 will not provide phones # s or emails. When I finally heard back from the author of the letter ( through a cc of an email to another 53 employee ) XXXX XXXX response regarding an extension was " at this time we have no appetite to extend the 30 days ''. This is not a professional response, it is simply vengeful. Evidence that 53 treats customers with contempt.
Although I do not know how/why they made this decision, I suspect it has something to do with my many calls and emails, due to them not responding to my initial request of XX/XX/XXXX to assign a different Advisor/Consultant to my accounts. I made the request on XX/XX/XXXX and never received any response until a " tess '' called me on XX/XX/XXXX to tell me my 'issue ' was assigned to " XXXX '' and she will contact me within 15-25 days. This would bring the grand total of WAITING for a new advisor/consultant to nearly TWO MONTHS.
I was given no information regarding the closing of my accounts- I can't explain why 53 avoided my calls and emails over the course of a month. I am confident 53 will have a shrink wrapped response that they will send you- it won't address the obstacles or problems I've encountered over the past month. Not to mention the malicious, spiteful, vindictive way I've been treated.
I hope this gets the attention of the OCC. 53 BankXXXX XXXX XXXX it's customers ; ignores customers that demand answers ; has executives that hide in their offices and refuse to address issues.
For the record I have sent emails to : ( all the following have known about the problems and obstacles I've encountered - perhaps some of these people do not even address operational issues, but NOT ONE OF THEM ever responded to me to address POOR customer support issues AND providing an advisor ).
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this was the original person that promised he would find me a new advisor/consultant- I spoke with XXXX in XXXX - he supposedly manages the advisors- so this is where the problems started ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've had issues with 53 in the past. They never see the flaws in their processes, communications or behaviors. They never even come close to an apology, and never implement improvements. They certainly have their share of complaints at OCC ; Federal Reserve and CFPB. I noticed an excessive amount of complaints about 53 are related to customer service/treatment of customers. Don't get me wrong, people have complained about products, services, business practices and ethics- but today customer service has my attention.
I am baffled by the behavior of a bank that does NOT provide the service that they promise to provide.
I am hoping that your involvement in this nightmare will encourage 53 to consider the impact their decision has on me - AND other customers. As stated above, their actions can cause FInancial HARM TO ME.
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| 08/31/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX I looked up XXXX customer service on my search engine to dispute a transaction I made for some mud flaps for my car. The companies XXXX handle I bought the mudflaps from is called XXXX XXXX When I searched XXXX customer service the first number that popped up was XXXX ( XXXX ) XXXX. I called this number and the " rep '' asked what I was calling about. He had a thick XXXX accent. I explained the situation with the mud flaps and he told me that " looking at my account, he sees someone from XXXX has tried to access my account multiple times with multiple transactions. '' He then says let me get my supervisor " XXXX '' who spoke better English. He says XXXX " will work with me and the head of security to find out who is trying to access my account. '' XXXX comes onto the phone after I was on hold and says " to find these guys we need to re-create the transactions that we have blocked to your XXXX account as dummy transactions, so that we are able to find who is accessing your information. I have the security personnel with me listening to our conversation. '' He then tells me to download XXXX and screen share with him to see if my phone is being hacked. The XXXX app then says pay.palserver wants to share screen. I accepted. He also asks if I have a laptop and which type, as long as its not a XXXX. He tells me to type in a specific IP address but my security browser on the laptop blocks it. As I am screen sharing on my phone he says " go to settings -- -- privacy & security -- -- -analytics and improvement -- -- -- analytics data. Click that address. You see that code there? That is the code of the hackers. '' He then tells me to download XXXX and create a profile. To create a profile I had to take a picture of my ID and of my face for verification. I used my email and a password he gave me " XXXX. '' He then instructs me to search for the nearest ATM on my phone and we find a XXXX at XXXX XXXX XXXX XXXX NC XXXX. This whole time I am screensharing so he sees my where I am going because I am using GPS as I just recently moved to XXXX. Once I get there he tells me to click " make a transaction -- -- -click XXXX ( a XXXX company ) -- -- -put this code in -- -- -- type {$940.00}. '' The transaction is made at XXXX. I received a text at XXXX asking if I made the transaction at XXXX for XXXX? He says type YES. He then tells me to try {$1200.00} with the same process and he will generate another code. The whole time this has been going on he says not to talk to anyone or open my bank account mobile app because the hackers could see my information. The second transaction does not go through. He says " call the bank but merge me in the call. Do not tell them about the investigation because they would interfere with our process of catching the hackers. '' I call the bank and tell them it was me and to authorize the transactions. The bank says okay. I then tried other transactions for {$490.00} and $ XXXX between XXXX and XXXX. They did not work. When calling the bank I have to verify my identity with sensitive information. So I call again and the bank says okay and this time it works. The second transaction goes through at XXXX for {$1200.00}. Then the third transaction at XXXX for {$1900.00} and the fourth at XXXX for {$810.00}. The total amount was for {$4900.00}. At the time I had about {$5500.00} in my checking account. The entire time he kept reassuring me that these were not going through and to not open my account because they would see my information. He then said " I will work on things on my side and call you back in an hour. There was no call back after an hour so I call him and he says they are still working on it " on their side and will call me back in 30 mins. '' He even says you can call me privately at XXXX ( XXXX ) XXXX. I call once again and no answer. At this point after it is too late I realize I was scammed. The next day after the charges were posted I called Fifth Third Bank and told them what happened. I told them the truth and they said that because I made the transactions they could not refund me the money. I reported my issue to Identitytheft.gov, got a new driver 's license, put a credit alert through XXXX, and got identity theft insurance through XXXX so everything is being monitored. I also spoke to XXXX explaining what happened and took security measures through them to make sure my phone was not hacked.
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| 01/04/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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The following is the complaint : I set up an account with XXXX XXXX specifically to transfer money that was suppose to be wired via XXXX XXXX. The account was to receive {$500000.00} From XXXX XXXX XXXX. It is a holiday. His person in New York sent the wrong form to me. XXXX XXXX XXXX insisted I send the wiring instructions provided by Fifth Third Bank. His account XXXX is XXXX XXXX. I sent to him the wiring instructions. Today I went to Fifth Third to check on status. XXXX XXXX XXXX claimed there is an alert on my account. He refused to explain it. He then canceled the account. A wire transfer was in process. I am asking for a fine on him personally. I also am asking for his dna test with XXXX XXXX and XXXX XXXX. Each has family that was stealing as me. If he aided them, then additional charges connected to criminal federal based on Fifth third being based in another state and having interconnected technology corrupting my name on purpose illegally. I need the alert provided to me immediately. I also need paid upfront {$110000.00} for the fine. Then a review of each location and the damages created by each connected to their interconnected databases. The way I understand some of the fines that are issued, the issuing and processing authority takes a percentage of the fine ( like XXXX XXXX ) and the remainder would go to me. Each location Fifth Third has to be fined. Plus all contractual agreements they have with others who access and use their data have to be identified and possibly also fined ( they created a viral discredit situation ). The original complaint is they blocked me from money while homeless causing me to possibly be in jeopardy of losing my life and everything I was able to replace up to this point.
XX/XX/2022 set up account with XXXX XXXX XXXX with XXXX XXXX XXXX about a week later. He canceled the account effective XX/XX/XXXX. The wire transfer was canceled. I am requesting a fine on him personally with an international search connected to sourcing if his family personally stole with others as me or if Fifth Third Bank stole always with others as me in Ohio. There are a bunch of financial crimes in Ohio ( including XXXX XXXX illegally billing and stealing {$10000.00} ).
XXXX XXXX XXXX looks too much like XXXX XXXX 's relation. XXXX XXXX with XXXX XXXX stole as me and were arrested in the XXXX connected to XXXX XXXX or XXXX XXXX. They refused to let me know what they did. A professor contacted me to let me know they ran others crimes as mine. He Knew who they were. My brothers each stole from me always. They are not bio-related See links : XXXX XXXX claimed to manage the office space I leased for phones, fax, mail and temporary space when needed. She stole as me and with others as me knowingly cross connected to XXXX XXXX and XXXX XXXX : XXXX : XXXX The following link means XXXX always XXXX and messed up with others as me XXXX XXXX XXXX XXXX XXXX stole money and set up a mortgage company in a building where ai had an office. He claims I am his operating XXXXXXXX XXXX XXXX XXXX XXXX and IL are historically on record illegal or positioning the USA for a HUGE war connected to the intentional sabotage of all public relations firms and also all banking.
They really messed up in extreme diabolic manner and harmed me for reporting crimes.
I am the only XXXX XXXX in the USA. XXXX XXXX is my XXXX who apparently stole as my receiver and or XXXX and or owner or partner. His family may have always stolen with XXXX XXXX and XXXX XXXX. Each of them stole with XXXX XXXX Relations XXXX XXXX. Many cases cross connect. I think XXXX family may be related to XXXX XXXX. It means both XXXX and XXXX are thieves connected to receiving as me. They have always done it with specific government divisions of people always illegal. It resulted in surveillance photos and other.
The way XXXX stole as me and my receiver connected to extreme banking crimes has to be separately detailed with evidence. They stole with what appears to be agents who always stole with technology companies like XXXX ( I just did a quick complaint about them today ) and XXXX and others.
XXXX stole with each building I had an office out of. The links show they continued to steal with others as me like a XXXX network.
The way they stole, the most expert are historically criminal and stupid on record. It is as if they drugged everyone.
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| 03/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, during a telephone call with Fifth Third mortgage, a male who said he was a supervisor whose name is XXXX XXXX. ( he would not give his last name ), was rude, condescending and addressed me by my first name while arguing with me about my mortgage. He talked to me not as a customer but as a child. I told you this same thing in XXXX, XXXX XXXX said. He said his department would not dissolve an escrow account he or his company created in my name just weeks ago and attached to my account on or around XX/XX/XXXX because his company paid my property taxes, which were not delinquent nor due XX/XX/XXXX. My twice-annually paid taxes ( {$2000.00} ) werent due until XX/XX/XXXX. Fifth Third has unfair practices when it comes to African-Americans and mortgage-related issues, as well as customer service issues. I asked him why they created an escrow account when I havent had an escrow account in more than five years, and he said because, you did the same thing in XXXX ( XXXX ). It seems he is paying particular attention to my mortgage account so much so that he remembered the conversation we had back in XXXX. He seems to have a personal grudge against me because the bank created an escrow account in my name previously XXXX XX/XX/XXXX XXXX when there was no need for one. Each time the company paid my taxes ahead of me and added more than {$1000.00} to my mortgage payment, creating a hardship, an undue burden and unbelievable stress for me, as I had already been dealing with being downsized from my job. I am seeking medical attention for this recent unfair practice. It appears XXXX XXXX is creating an instance where I would default on my mortgage. I am not currently behind on my mortgage payments, though this month ( XXXX ) is due and will be late after XX/XX/XXXX. However, XXXX XXXX and the mortgage departments customer service person who spoke with me before transferring me to XXXX XXXX, the supervisor, said they would not accept my ( regular ) mortgage payment ( of {$1000.00} for XXXX ) ; they will send it back to me, he said.
In addition, it took me 10 phone calls to the mortgage department before they picked up my call. Each time I got through to the department, whomever answered the phone saw my number on the caller ID and hung up the phone. I know this because I called from a different number, and someone answered their line. How is it that a department can created an account/add an account and bill the customer. I asked them if the bank makes money when they escrow an account since they keep doing that to me, and XXXX said they do not. That has to be a lie. The bank uses a third-party vendor to send checks out to the county treasures. Theres no way that third-party vendor isnt making a profit at my expense and the expense of many other customers who have been victims of this unfair practice.
In addition, in XXXX, while speaking with this same department, the customer service person was flat out nasty to me on the phone. I have never been talked to like that by any customer service person representing a company. So, I asked to speak with a supervisor, and he put another male on the phone who was just as rude. Why dont you pay your taxes on time? You need to pay your taxes on time and we wont have to go through this, he said. I couldnt believe a manager would talk like that to a customer, so I asked if he was really a supervisor, and he said he was. I asked him how many direct reports did he have. He said, You mean how many people do I manage? I said, Yes. And he said, None. I said, Then youre not a manager. It appears they keep putting another rude customer service person on the phone instead of a manager. I can not believe that XXXX XXXX is a manager. If so, Fifth Third is a horrible company with horrible practices and unfathomable customer service.
In addition, on the phone Tuesday, XX/XX/XXXX, XXXX said in order for him to consider dissolving the illegally created escrow account, I must send the bank ( not my county treasurer ) the taxes of {$2000.00}, and then he will put a request in to delete the escrow account. But that would be up to Fifth Third, he said.
I am, in addition to filing this complain, consulting an attorney.
I want my account corrected, so that I can pay my taxes to my county treasurer.
Please help, as Fifth Third is banking a Fifth-third worse! A fifth-third better is a joke!
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| 01/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Myself XXXX XXXX and my daughter XXXX XXXX are filing this complaint jointly. We went into the Bank Fifth and Third ( XXXX XXXX XXXX, XXXX XXXX Fl XXXX ) to inquire about taking out a mortgage loan for a new purchase. We were informed to contact Mr. XXXX XXXX NMLS # XXXX Mortgage Loan Officer.
Our experience was very awkward and unprofessional to say the least. Mr. XXXX sent us a link to start the application. Our gold was to get a preapproval so we could submit an offer on a new home. When we filled out the application, we put in the address of the home we were looking to purchase and this in turn started a full application in the banks system. MrXXXX XXXX stated we should not have put in the address as yet and stated he could not give us a preapproval. After conversing we informed him a preapproval was needed to put in an offer. He emailed an email with a paragraph not in a true fashion letter head document from the Bank outlining loan terms etc. but a paragraph basically stating we were preapprove but no say about loan terms such as conventional, fixed and interest rate. We thought this was very odd as both of us were homeowners and been through the process. Even our realtor thought this was odd. He also came flat out and stated he can not give me an interest rate in the preapproval.
As such we had to insist for a preapproval with the loan terms on it. He stated he could not send one because he was at the auto dealership. This was a red flag to us as this seemed to be unprofessional for a bank professional to say. The situation got stranger after Mr. XXXX stated he was going to close out the loan application we had filled out online and start a new one. But to no avail.
Mr. XXXX did not close out the first application we filled out online. We started to receive extensive mail from the Bank which was sent via postal service to my home address rather than my mailing address which I stipulated in the application. The mail that was sent to my home address was not delivered by the postal worker but by a neighbor. The mail was open and to add insult to injury it had all our personal information enclosed with full social security, full bank account number, amount of money in each bank, job information, income information etc. This was a security breech as this Bank was given my PO Box and sent it to the physical address in which I stipulated in the application my PO Box address.
When I emailed Mr. XXXX in regard to closing out ALL APLICATIONS with this Bank and seize from sending out my personal information he refused. He stated to us via email that it is ok to send to our home address. WHAT?? He also stated he will close out the application. BUT TO NO AVAIL. He has not closed the application out and numerous unsecured documents are being mailed to my home address until this present day.
I XXXX XXXX spoke with Supervisor XXXX on the XXXX corporate line on XX/XX/XXXX and requested the application to be closed and to refrain from sending our personal information out. XXXX stated she will immediately contact the Branch manager where Mr. XXXX work. She also said someone will call me. But to no avail. We are still getting mail and the application is still open because we are still receiving emails that it is.
I received a call from bank rep. XXXX XXXX to come in and she or her supervisor will close out the loan and they will talk to MrXXXX XXXX. WE went into the Bank on XX/XX/XXXX and closed out our accounts because of this matter. When the teller asks us why we were closing the account I told him of the fraudulent activities that was going on with Mr. XXXX. But he refused to document it. When We went into the XXXX XXXX Fl Branch, we were ignored by the branch manager and Mrs. XXXX who turned her back and who refused to speak with us in regards. A white lady that works on the platform area whose office is on the left side when you walk in also ignored us and did not give us any service in regards.
We would like this Bank to close out our mortgage application immediately and seize sending out documents with all our personal information which is a security breach.
The workers need in service. Mr. XXXX needs to be investigated and fired. What is he doing with people 's personal information?
If you need to see the emails in regard as proof, please let us know. we will submit.
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| 05/19/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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My account at Fifth Bank was opened in XXXX of XXXX. I stopped using this account in XXXX of last year.
The primary reason I stopped using the account was a direct deposit would be made on Friday at XXXX XXXX each week. My deposit would not be credited to my account until Tuesday or Wednesday of next week.
I received a check from a very reputable law firm. The check was about an average paycheck amount.
I went into the branch at fifth third bank to deposit it. Before depositing it I said to the bank teller how long will this check take to process. She told me it would post at midnight and the funds will be available the next day.
The next day I checked my online account and there was no record of a deposit being made yesterday for the amount credited to my account. I called the XXXX number to inquire about the status of the check.
After going through the gauntlet of prompts and extended times on hold the phone representative told me she could not answer any questions about my account that I would have to go to the branch and talk to them directly.
On my way into work I called the local branch. After going through the gauntlet of prompts and extended hold time a branch representative asked the call. I explain the situation to the branch representative and ask what the issue was with the check. She told me there was a hold on the check for at least 8 days.
I ask to speak to a manager while changing direction to go to the bank. After waiting on hold again the bank manager answered the call. She started asking me security questions to verify my identity. I told the manger hold that thought until I get there. I on my way I arrived at the branch within 5 minutes of the call. When I arrived at the bank there was a local sheriff standing next to her car in the bank parking lot.
I when into the bank with the sheriff shadowing me. Walked up the the teller and ask to see the manager. The teller offered me a seat while I waited.
From across the lobby sitting behind her desk the manger invited me into her office.
With the sheriff stand out side the manger office I explained that I deposited the check because the teller told me it would post that evening and funds available next day.
The manger told me that the teller did not say that to me. I asked the manager if she witnessed my conversation with the teller? Knowing she did not I told the bank manager dont question my integrity!
The manger repeated the 8 day hold on an instate check. I told the manger have a nice day and walked out.
An hour later I contacted the local sheriffs department non-emergency phone number and ask for the responding officers name and how to get a copy of the report.
The sheriff office representative researched the call. She told me that the call was closed with no report. In other words, the responding office found no evidence to support why they where call.
A hour or so after incident at the bank I received a call from a corporate security office of the bank. He wanted to ask me about what happened.
Being shocked by what happened at the bank and very concerned about it. I reluctantly explained my experience at the bank.
I did raise the question with him : what was the mangers motivation : ( 1 ) is the manager professional in over her head and her professional and/or personal frustrations coming outside at me? ( 2 ) was the mangers action a deflection?
The conversation ended with the security officer at the bank suggesting I speak with the bank manager at the branch I opened the account.
I spoke with the bank manger at the branch I opened the account. He told me the check cleared their system but was flagged by another system. He said it happens when check drawn on problem accounts like too many overdraft or fraud. Circle back to the check is from a law office. Lawyers dont write bad checks they tell you wait for the money.
I reach out to the bank again this morning XXXX XX/XX/XXXX. They now have changed the availability date. Its been extended by two days.
Since my direct deposit were not credited to my account for XXXX or 6 days after being deposit the extended holds on my check are very suspicious. My interactions with the bank managers who made a false police report also add to my suspicion that something is seriously wrong.
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| 06/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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On Wednesday, XX/XX/XXXX, I received a morning call saying the person " XXXX '' was from 5/3 Bank and requesting my birthdate. I have a policy that I do not provide such private information to an unsolicited call and I stated this to the person. They indicated that I could call 5/3 and gave me an XXXX # to call. I then pulled out my credit card and called that XXXX #. I had a conversation with their call center ( " XXXX '' ) in which I learned that my account was in rears by {$45.00} from a charge I did recognize. I pointed out I had never received a bill for this charge. I checked my checking book ledger and my collection of paid bills ( I keep all receipts of bills I 've paid including amount paid, check number and date of payment ). I have no record of ever receiving this bill. I have a very good credit rating and always pay my bills. This bill never appeared. The call center person " XXXX '' gave me a credit for the late fee and indicated I could pay this on the next credit card bill that was just cut on XX/XX/XXXX. I have not yet seen this bill though I have paid previous 5/3 bills in the past so they seem to be able to get their bills to me at my address. At this point I also spoke to the first-line person 's supervisor ( " XXXX '' ). I said that I thought I had been well treated on this call. However, I was very upset with the earlier call claiming to being a " 5/3 bank '' person and requesting my birthdate. I told the sup I do not provide such private information to an unsolicited phone call. The Supindicated that information would be logged and discussed in a future policy discussion. I did not log these calls received or made on XX/XX/XXXX in detail. I thought the issue had been resolved. I was wrong. Calls on XX/XX/XXXX andXX/XX/XXXX were/continue to be logged. I will continue to log any calls after XX/XX/XXXX at XXXX should they occur. XX/XX/XXXXin XXXX EDT - Got a call from a female claiming to be with 5/3 bank and asking for my Birthdate. I refused and expressed my policy about such matters. She hung up on me. XX/XX/XXXX at XXXX EDT - Received a call from " XXXX '' saying he was from 5/3 Bank and would I provide my birthdate. I repeated I do not provide such private information on such a call. Then I asked to speak with his supervisor. XXXX transferred me to XXXX ( TID : XXXX ) to whom I repeated my policy about my birthdate and then discussed how I had spoken to a line person and supervisor the day before where, assuming they are calling about this past-due bill, I have resolved the issue, will pay the bill when it arrives and received a credit for the late fee. Then I indicated that I consider this call as harassment and that if these calls persisted I would be filing a complaint with the CFPB. XXXX could not guarantee that the calls would stop, apparently looked over my account ( though I never gave my Birthdate and did not respond to the change in my status from my conversation of yesterday. I asked to speak to XXXX 's boss, he said there was no one above him present. I asked for his Boss ' name which he would not provide. XXXX suggested I call their XXXX # which I replied I already had and to my understanding had resolved any outstanding late charges. XX/XX/XXXX at XXXX EDT - Got a call from " XXXX '' with " 5/3 Bank '' requesting my birthdate. I quoted my policy about offering such sensitive information. She also requested my social security number and name. I had already provided my name but also will not offer an SS # to an unsolicited calls. I asked to be transferred to her supervisor. She would not transfer me and then hung-up on me. XX/XX/XXXX at XXXX EDT - Got a call from " XXXX '' with " 5/3 Bank '' asking for my birthdate. I refused and quoted my policy. She then hung-up. I am now filing my promised complaint with the CFPB. The basic complaint is that while I resolved the issue in my own call-in to the credit card XXXX # on Wednesday, XX/XX/XXXX, I continue to receive calls from many claiming to be 5/3 bank employees/representatives. Even though in one case I was able to speak to a supervisor of that call 's front-line person, they continue to call me. I consider this harassment now going on two days since the mater was resolved with a 5/3 call center person.
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| 11/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My complaint is against Fifth Third Mortgage ( 5/3 ). I readily admit and accept responsibility that it was my error in overlooking the {$10.00} increase in my monthly mortgage payment effective XX/XX/XXXX. The generic robo calls and financial hardship information I received I thought was just 5/3 advertising options in case I was having financial hardship, given the uncertainty of the pandemic. I assumed all 5/3 customers were receiving the same since these correspondence were not specifically addressed to me or identifying me or my mortgage. Looking back, I fear 5/3 may have been starting the process of foreclosure, rather than contacting me directly about the ( consistent ) discrepancy in my monthly payments. I know 5/3 is capable of notifying me of insufficient and misappropriated payments because I received at least one mailed letter when they took over my mortgage from my previous mortgage company. In this incident, 5/3 had told me they offered biweekly mortgage payments and even sent literature informing me of how seamless the transition from my previous mortgage company to theirs would be and how nothing in the servicing would change. But it did when 5/3 would not process my biweekly payments and their 'system ' ( per their representative ) didn't know what to do with any payment amount that was not the identical amount to my monthly mortgage payment. ( Please see also my complaints filed XX/XX/XXXX with the Consumer Financial Protection Agency # XXXX and on the same date, with the Federal Trade Commission, reference # XXXX referencing this incident, among others. ) I can not express the continued stress, frustration, lack of trust and confidence I have in 5/3 and their ability to effectively manage my mortgage including applying payments appropriately and notifying me of any payment shortages. I have lost productivity at work, money, and personal leisure time due to repeatedly having to speak with multiple 5/3 individuals at various levels and formulate these multiple written complaints. I have multiple escalated cases with 5/3 and again, have another open case with their Office of the President. I have requested 5/3 transfer my mortgage to another mortgage company who can effectively manage my mortgage and honors biweekly payments ( without me having to call or specifically designate how I want these payments applied to my mortgage ). 5/3 said they would not transfer my mortgage elsewhere, and to leave them, I would have to refinance with another company which would obviously cost me more money and more of my time. I am not a mortgage expert. I rely on my mortgage company to be experts in mortgage management and expect and trust they will apply my payments appropriately and notify me of any problems and concerns. 5/3 has my home address, phone number ( that has active voicemail ), and email to contact me. They failed to inform me of my error in sending monthly mortgage payments {$10.00} less than I should be until 8 months later. At that point, they sent me a letter assessing me a late fee ( which they later removed at my repeated urging ) stating they didn't receive my XX/XX/XXXX mortgage payment when they actually did. But suddenly after 8 months of accepting the shortage, they would no longer accept it. I am set to receive my escrow reconciliation any day now. I can't wait to see the extent of how overdrawn my escrow is because they were paying my monthly shortage from my escrow.
I sent 5/3 a copy of the attached letter via certified mail which they received and sent me a letter dated XX/XX/XXXX stating they would investigate my complaint within 25 days. For my original complaint, they took 55 days to investigate and address it but because they failed to address it, I now have complaints about their handling of my compliant ; they just keep multiplying.
I am not taking any chances this time, hence forwarding my complaint to the CFPB. Again, it was my error and oversight in not sending the {$10.00} increase in my monthly mortgage payment. But there is no acceptable excuse as to why 5/3 did not immediately personally notify me, and rather, use generic computer generated calls/voicemail and printed hardship/potential foreclosure information instead. I appreciate your time and attention to this matter.
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| 06/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX : Unauthorized charge of {$99.00} appeared on credit card from XXXX XXXX.
XXXX XXXX : Checked with XXXX to confirm the charge was not made on my account XXXX XXXX : Called 5/3 Corporate Dispute Dept. and filed a dispute. Was told not to make a payment on the account. I had a balance of just over {$50.00} of legitimate charges on this card. I clarified that I wasn't supposed to make a payment by calling back 5/3 Corporate Dispute Dept. to make sure that was accurate because this didn't sound right to me. They assured me that I did not need to make a payment, that fees would appear as a result of my non-payment but the fees would be credited back once the dispute was resolved.
XXXX XXXX : Still receiving late charges. Went to 5/3 branch to make sure this wasn't damaging my credit score, and to see if any payment needed to be made. I spoke with a branch representative named XXXX, and she investigated the dispute with me by calling other corporate departments. After looking over my file she told me to take no action and to check in if you don't hear from us.
XXXX XXXX : I was still getting late fees. Had not been called from dispute department regarding payment. Waiting to hear back.
XX/XX/XXXX : Went back to branch to check in and spoke with same branch representative to make sure things were still on hold since I hadn't heard from 5/3 corporate. I was told that the account has been charged off because of non-payment. They then explained that I was liable to pay on the card throughout the entire process and labeled my account 'delinquent '. This is what I was trying to avoid by continuously calling and asking if I needed to take an action.
XX/XX/XXXX : I phoned the corporate number again and was referred to several departments, none of which had the full information on what was going on with my account. Each call required me to describe the entire matter, and I was put on hold twice and warned not to not hang up ... and then I was disconnected. There is no way to talk to the same person. I was then told that it was in fact was reported to credit and that I was responsible for the balance, and then I was finally transferred to the Collections dept. I was told by Collections that it was labeled 'charged off ' as an internal way to prevent fees from being accrued to the account, and that the account was not delinquent and I was still not responsible to make a payment on the card. He told me a separate account would be opened once the dispute process was over and that would be the balance I owed less the disputed amount and fees. He also advised me not to speak to the branch because they aren't helpful.
XX/XX/XXXX : I receive a call from Collections saying that I need to make a payment and that the account is delinquent and reporting to credit and that I can not pay to get this removed. XX/XX/XXXX : At this point I had been contradictory messages regarding what to do during the process, and I felt that I needed to get some answers person-to-person so I scheduled an appointment with the local branch manager to discuss everything that happened since XXXX.
XX/XX/XXXX : The branch manager opened a ticket for the company to determine if the company 's charges against me were justified, When I told them I had been getting inconsistent messages, they were apologetic that their messages were contradictory but still determined that I was at fault for not making the payment. At this point I realized that they are now both the prosecutor and the judge and that the bank has no incentive to be objective in this matter.
XX/XX/XXXX : I talked to the branch manager again to see how the case was going. He informed me that they had determined that I was at fault. He said that he would escalate the ticket to get his XXXX involved and I haven't heard back.
XX/XX/XXXX : Received a phone call from 5/3 Corporate. The representative told me that the account is in collections in the amount of {$400.00}, so now my credit report is affected as well for 7 years. For a {$99.00} charge that I didn't make but now wished I had just paid it to avoid this nightmare with a bank that won't help me.
Strangely, my online statements do not show a balance owed but rather a credit.
If you can help me, it would be appreciated immensely.
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| 06/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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I have had a credit card account with Fifth Third Bank open and in good standing for a few years.
I recently ( about Monday, XX/XX/2020 ) checked my XXXX credit report and noticed that my account with Fifth Third Bank was marked as closed on the credit bureau 's report. I had not requested my account with Fifth Third Bank be closed, nor had I received notice in any form of its closure or intention by any party for its closure.
On XX/XX/2020, I called the Fifth Third Bank customer service telephone line and spoke to a live telephone agent. I informed the agent that my XXXX credit report was listing my Fifth Third Bank credit card account as closed, and that I had not requested the account closed. I requested the status of my account from the agent and he informed me that the account was indeed closed and that the closure was by the bank for the reason of no activity on the account within a 6-month period. I then requested that my account be reopened, but the agent declined and stated that the closed accounts can only be reopened within 30 days of the account closure and that it had been more than 30 days from the account closure. I informed the agent that I had not previously received any notice of the account closure or of the bank 's intention to close the account. The bank telephone agent stated that I should have received a notice about the bank 's intention to close the account and then another notice once the account was closed, that he did not have the ability to reopen the account after the 30-day window, and that I would have to speak with an account specialist regarding the reopening of the account ; however, the account specialists were unavailable by telephone due to measures taken regarding COVID-19. I was advised to go to a physical branch to speak to an account specialist.
On XX/XX/2020 I went to my local Fifth Third Bank branch and discussed the issue with its agents. An agent, upon examining my account information in the bank 's system, determined that there was no notice sent regarding the closure or intention for closure of my credit card account by the bank. The branch agent informed me that she was unable to reopen the account and that it must be address by a telephone account specialist. The branch agent further informed me that the telephone account specialists should once again be available as of XX/XX/2020.
On XX/XX/2020, I again called the Fifth Third Bank credit card customer service line and spoke to a bank agent. I requested to speak to an account specialist and was transferred to one. I explained the happenings to date to the account specialist and requested again that my account be reopened. The agent declined, stating that the bank only does such if requested within 30 days of its closure. I explained to agent that I had not received timely notice of the account closure or the intention for its closure, and that, as confirmed from the physical bank branch, the bank had not sent the notices. Were the bank to have provided timely notice of the account closure or intention of account closure, I would have timely provided the bank with notice of my desire for the account to stay open or be reopened. The account specialist agent verified and confirmed that the notices were not sent and then put me on hold while he reached out to someone else to try to approve the account reopening beyond the normal 30-day window given that there was no notice to establish when the account would close or closed. After the hold, the account specialist agent again informed me that the account would not be reopened past the 30-day window despite the bank not sending the notices, and that the bank was not required to send the notices.
Fifth Third Bank has failed to provide written notice of its intent to close my credit card account with the bank or of the account 's closure. To date, I still have not received such notice, and am uncertain as to when the account actually closed, except that it would have happened some time about XX/XX/2020. Fifth Third Bank does allow for the reopening of the closed accounts if notified within 30 days of the closure, but it is unreasonable for the time frame to apply if the account holder is not notified of the action taken and when it is taken or to be taken.
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| 06/28/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/XXXX my husband and I signed a contract with some XXXX XXXX to have XXXX solar panels installed for our single family home. The home is occupied by myself and my husband. We have no children and no other persons living in the household. We were told initially that our electricity bill would take one to two months to adjust as our solar panels consume and store energy. However, in XXXX when we realize that it had not happened we reached out to XXXX XXXX XXXX. At this time, it is XXXX of XXXX and we were told that XXXX XXXX was no longer in business and that XXXX XXXX has since taken over. We had never agreed to switch companies or signed any paperwork with XXXX XXXX. As time went along, from the time span of XX/XX/XXXX until currently at this very moment we have had problem after problem in different aspects of this service. We were first told that some of our solar panels were not properly connected, then we were told that they were not reporting. After several months, a modem was added in XX/XX/XXXX so that the solar company could better diagnose issues regarding our solar panels and also monitor the amount of energy that the solar panels are consuming and the amount of solar energy that we are using. However, month after month we grew concerned because we are currently paying {$190.00} per month for the solar panels but we are also being stuck with an electric bill of an average of XXXX to XXXX and {$50.00} per month. The solar company initially expressed that they wanted to help, and sent us three reimbursement checks for the months that our solar panels were non-operational. What led me to reach out to you is the fact that, it has been almost a year and we do not feel that we are reaping any benefits from the solar panels. Despite several attempts to discontinue services with the solar company, no one has reached out to us in relation to canceling our contract. At one point I even offered that if they could reduce our bill, we would be willing to keep the solar panels if they can resolve the issues, still we had not heard anything back. This had been turned into them telling us that there were more reimbursement checks that were approved, but never signed by a supervisor and therefore never sent to us. They told us that these reimbursement checks were signed in XXXX and XXXX, but no one had approved them. I asked my electricity company to conduct an audit and they have suggested that under our specific circumstances, we really should not be having a electricity bill. I also asked XXXX XXXX to investigate, they told me that they would but that has not happened even though the request was put in 6 months ago. With efforts to reconcile, XXXX XXXX at one point " approved '' a reimbursement check for the months that my solar system was not working, however these checks were supposedly approved back in XXXX and I still have not received one. When questioned, they tell me that an inquiry placed to an escalations manager, XXXX. It is now XXXX, and this is still not resolved. Additionally, I had the company perform endless tests and troubleshooting options, to no avail. Additionally, XXXX has completed stopped communication with me. To make a bad situation WORSE, the representative told me that we would be eligible for a " solar credit '' when we filed our income taxes and we were to give the solar company that check of {$8000.00}. We NEVER received a solar credit. I spoke with the tax preparer who stated that we were not eligible according to the guidelines. At this time, my payments are {$190.00} per month for the next 25 years. On top of this Dividend finance is expecting me to now pay them an ADDITIONAL {$8000.00} by XX/XX/XXXX. Most importantly, XXXX XXXX told me that our system would cost {$40000.00} which I have proof of attached. When I received the paperwork from dividend finance I was notified at that time that the system was {$55000.00}. When I brought this up to XXXX, my sales representative, he let me know that it would be {$55000.00} and then I would receive a rebate check for the {$15000.00}, which I never did. The biggest problem that I am facing is the conflict between what XXXX XXXX told me and what XXXX XXXX told dividend finance. After investigating this, dividend finance also aware.
|
| 01/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello, I was shocked to learn for the first time on Thursday XXXX XX/XX/XXXX that Fifth Third Bank has inaccurately reported that my XX/XX/XXXX mortgage payment for XXXX XXXX XXXX, XXXX, VA was 30 days late. Fifth Third Bank 's inaccurate and patently unfair actions have negatively impacted my credit score in a way that does not accurately reflect my mortgage payment history which is 100 % on time or my creditworthiness.
My XX/XX/XXXX payment was not late. The payment was due no later than XX/XX/XXXX and the payment was made electronically and accepted by the bank on XX/XX/XXXX in the amount of {$4000.00}. Not until mid-XXXX XXXX did they send me a check in the amount of {$4000.00} without explanation. When I received the check, I contacted the bank via their website for an explanation, thinking the check may have been excess money I had paid over the year.
I then learned that unbeknownst to me, Fifth Third Bank had increased my monthly mortgage payment by {$48.00} without providing appropriate notice. My monthly payments were and are automatically debited from my bank so the previous amount of {$4000.00} was sent on time for XX/XX/XXXX.
Without any notice or request for the addition {$48.00}, the bank refused the payment by sending a paper check to my home in the amount of {$4000.00} that arrived around XX/XX/XXXX without further explanation. I received no other notice of any problem with my XX/XX/XXXX mortgage payment. Please note that by the time Fifth Third Bank sent this check without explanation more than 30 days had passed from when they received the payment. Therefore, I had no notice and no opportunity to pay the {$48.00} within the 30-day window of the due date. From a customers perspective, there was no reason for me to know there was a problem.
Upon receiving the check for {$4000.00} from Fifth Third Bank in XX/XX/XXXX, I submitted an inquiry via the banks website on XX/XX/XXXX requesting clarification. Fifth Third Bank responded on XX/XX/XXXX that confused my XX/XX/XXXX payment for my XX/XX/XXXX payment and stating other inaccurate information about receiving a payment on XX/XX/XXXX. I can only assume this is another human error made by the bank that was meant to refer to the payment they receive on XX/XX/XXXX. This lack of attention to detail on the part of Fifth Third Bank is telling.
Despite the banks clear mistakes, I resubmitted the XXXX payment plus the payment due for XXXX in the amount of {$8100.00} on XX/XX/XXXX. Having fixed the banks mistake, I believed this to the end of the story. Unfortunately, that was not the case.
When I learned that Fifth Third Bank had inaccurately reported my XX/XX/XXXX payment as being 30, I immediately reached out to Fifth Third Bank to have them correct this further mistake on their part. XXXX, the Fifth Third Bank Customer Service Manager, had the nerve to tell me directly that we do this often to our customers. Despite these facts and my request, Fifth Third Bank has refused to take any action to correct their mistake or remove the false information from my credit report. I continue to escalate this with bank management and intend to see this through until they correct the false information. Nevertheless, Fifth Third Banks intransigence means this will take time.
I will including my written correspondence with Fifth Third Bank from XX/XX/XXXX as well as my XXXX XX/XX/XXXX mortgage statements from Fifth Third Bank which will verify above.
If the undisputed facts were not enough alone, let us not forget that we are literally talking about a difference of {$48.00} that was paid immediate upon first notice. How can this be the reason to report someones mortgage as late in the midst of a global pandemic? How can this be the reason to lower someones credit score in the face of decades of on time payments on this and other mortgages? Finally, how can this be the reason to deny someones otherwise qualified construction loan application? A holistic review of the situation demonstrates the self-evident unfairness of such an outcome.
Therefore, I expect Fifth Third Bank to immediately make the correction and remove the inaccurately reported late payment for XX/XX/XXXX from all three national credit bureaus.
Sincerely, XXXX
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| 06/22/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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Approximately around XX/XX/XXXX we applied for a loan with Fifth Third Bank in XXXX, Ga. Unfortunately their loan officer had left the company due to illness. The mgr XXXX XXXX had referred to XXXX XXXX ( MLS # XXXX ) in XXXX, OH and initially processed through his associate XXXX. Upon speaking with XXXX, he then turned our loan application over to XXXX " XXXX '' XXXX ( MLS # XXXX ) XXXX, OH. XXXX was to process what would be known as an " Easy Home Loan ''. Had ran our credit and pre approved us for the loan. My credit score was said to be around XXXX fico. Subsequently after a few weeks, XXXX XXXX advised us that she was pulling the loan and sending it back to her branch, however it remained in XXXX, OH with XXXX XXXX ( MLS # XXXX ). Miss XXXX was NOT a favorable experience and had never been in contact with me at any time throughout the process. When questioned about the transfer, Miss XXXX and others were perplexed and offended. Our concern was that we need not what to start over again and go with a conventional loan, costing well over $ 5K in closing costs. We were also offered 4.25 % upon placing $ XXXX in their money market at the time. Miss XXXX ran our credit again, but when questioned about it, she was even more perturbed and ran it a third time, thus causing my credit score alone 9 points and adding several unnecessary hard inquiries against our credit reports. When questioned about the length of time, we were told a few weeks, then " there's a couple people ahead of you '' and up to 3 months, then upwards of 3 to 4 months, due to not having enough staff and staff leaving their company. When I would contact Mr. XXXX about what was going on, we would hear back from our bank manager XXXX XXXX. It turns out that Mr XXXX would inform his supervisor XXXX XXXX and then contact Miss XXXX, who would thus contact me personally. Also, Miss XXXX and/or Mr. XXXX did not give us a pamphlet known as " Know Before You Owe ''. We received a denial letter from Fifth Third Bank on XX/XX/2020 looking back, it looks as though there was a possible cover up and I wasn't to be asking questions. As a result, we believe Miss XXXX foiled our loan and was and upon email request, Friday XX/XX/2020, she and all others have not responded. Below are some notes from my wife ( XXXX XXXX ) and her experience. XXXX, XXXX XXXX 1 ) XXXX XXXX our bank manager at our branch got in the middle and " pulled '' file application from XXXX XXXX XXXX weeks after it began and said it needed to be handled by her branch in Georgia and the loan application process was supposedly sent back to Georgia. Note : XXXX, XXXX, and XXXX are all in Ohio.
2 ) Loan Processor XXXX XXXX XXXX ( MLS # XXXX ) was assigned to our loan application for processing of paperwork to the underwriter ( we don't have name of an underwriter ) 3 ) XXXX repeatedly had problem if we called her and then would inform XXXX if we called. The same happened each time when we would call XXXX XXXX - they would call XXXX and inform her that we called. XXXX essentially wanted XXXX to back off and back down from asking them questions.
4 ) XXXX XXXX repeatedly requested the same documents to the point I finally went into branch and XXXX physically scanned directly to XXXX.
5 ) When the process was initiated with XXXX XXXX on XX/XX/XXXX we were told it would be a relatively quick closing period of about 6 weeks. On XX/XX/XXXX we received a letter in the mail we were denied based on income/debt ratio.
6 ) We never received the following from 53rd Bank : Loan Estimate / Copy of Application / All Disclosures / Copy of appraisal / " know before you owe '' Brochure.
7 ) XXXX XXXX pulled our credit ( 3 ) times in this process and caused valuable points off of our FICO score reports.
8 ) Consequently we later found out through our own investigations that XXXX put the wrong income on our application - which was considerably lower than what our income is by more than 3 times lower. XXXX nor 53rd never supplied any documentations as listed on item 6 ) above. XXXX had no reason to get involved and delay the progress of our application by saying it needed to come to Georgia. We have lost valuable time on this whole process and the points off our FICO score.
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| 10/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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XXXX informs us that ... Fifth Third Bank will now be servicing a loan they successfully serviced for months? Why? XXXX has our most recent loan and the prior loan for years without any issues or late payments.. ever. Why switch?
Things go from bad to worse. .. starting with bank errors, many phone calls and promises, and mountains to climb ... just to make " timely mortgage payments ''. WHAT IS THE UNDERLYING PURPOSE OF ALL THESE ERRORS AND MIS-INFORMATION?
These are just some of the errors and concerns : 1. Told we do not even need to make payments for several months upon our first call to Fifth Third Bank before these other issues serviced. ( Although we insisted and made them anyway what was the purpose of that? ) 2. Double billed ( accident? ) 3. Un-returned credit with constant delays after many promises for double payment?
4. What happened to our built in XXXX insurance?
5. What happened to our built in payoff death insurance?
6. How many others is this happening to?
Fifth Third Bank took over servicing our mortgage at XXXX with just a uncertified letter ( s ) several months ago. This was completely out of the blue, but shouldn't have caused any issues with our mortgage, since we have made all payments for this loan and the one previous on time. But, apparently, due to disorganization on the part of XXXX XXXX and Fifth Third Bank, we have had to climb mountains just to make sure our payments are made and made on time. It seems impossible to logic, that a mortgage company would make it difficult to actually pay them ''. But, this is what has been going on since the transfer of servicing.
The paperwork sent to change the mortgage servicing from XXXX XXXX to Fifth Third Bank was vague and misleading, so we called Fifth Third Bank to see what changes on our end were actually necessary to make timely payments. They were vague and uncertain about how to make the payments, and even indicated that -- payments would not have to be made on the mortgage for several months without penalty. We found that preposterous, so insisted on a method to make our payments and make them timely.
They said we could simply go to any Fifth Third Bank, present the loan account paperwork, and make a payment. They also agreed to send the paperwork to set up new automatic payments to them. This was done, and the paperwork was signed and sent.
Automatic payments were set up, but no one knew at Fifth Third Bank when the automatic payments would start. So we would follow our statements and if the automatic payment was not taken out by the first of the month, we would make the trip to the local Fifth Third Bank and make a manual payment.
In XXXX, again the automatic payment was not made, so we waited an extra day or so and it still was not made. We went to Fifth Third Bank and told them that automatic payments were to be made on this account and if they knew when they would start, they said they did not know anything about the account, except they could accept payments on it. So the manual payment was made. The next day, Fifth Third Bank pulled the automatic payment as well.
We have been told over and over that the more than {$1800.00} in overpayment was going to be returned to us. The latest call was last week Wednesday and Fifth Third Bank noted that they were going to have the overpayment credited back to our account by the end of the week. Again this was not done. It is not just the {$1800.00} overpayment, but there are other issues, potentially -- - much more serious -- - as well.
1 Told do not even need to make payments for several months upon our first call to Fifth Third Bank before these other issues serviced. ( Although we insisted and made them anyway what was the purpose of that? ) 2. Double billed ( accident? ) 3. Un-returned credit with constant delays for double payment?
4. What happened to our built in XXXX insurance?
5. What happened to our built in payoff death insurance?
6. How many others is this happening to?
Should others that have dealing with XXXX and/or Fifth Third be concerned or even warned? Are these methods just accidents and disorganization, or are they done intentionally? For what purpose? Should the media be informed? Social Media?
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| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Simply speaking is that, I have been paying my mortgage loan to MB Finance since XX/XX/XXXX, because XXXX XXXX was merged with Fifth-Third Bank, my mortgage loan was transferred to Fifth-Third Bank sometime in XXXX, I dont know the exact timing, I pay my mortgage through the recurring payment from my checking account in XXXX XXXX XXXX, the name of the payee has no change from MB Finance to Fifth-Third Bank in my statements so far.
The dispute came from an escrow increment of $ XXXX/month in my mortgage payment, it was happened in XX/XX/XXXX. The recurring payment was {$1000.00} and the new payment is {$1000.00}. Because of the small increment, although the auto-pays were withdrawn as usual to Fifth-Third Bank, my mortgage loan turned out as short payment. However, I was in XXXX during the whole year of XXXX, I planned to come back to XXXX in XXXX, but I didnt until XX/XX/XXXX because of the COVID-19 pandemic. The result was that an amount of {$1000.00} was drawn every month as usual by XXXX XXXX from my checking account, but I am accused to pay late for 5 months. Fifth Third Bank even reported to the credit reporting agencies of my late payment only, without telling the whole story, which is the truth I did pay on time. The fact is that it is a few short payments which was caused by my absence in the US.
More complication is that I actually all the time live in XXXX and XXXX XXXX, I purchased a house in XXXX in XX/XX/XXXX for investment only. It was rented out until XX/XX/XXXX, the time I planned to move back to the US because of the continue education of my daughter. Unfortunately after the tenant moved out in XXXX and I could not come back in XXXX, the house was empty for more than 6 months. As I was not living in the US, I have a postal mailing address from a friend of mine as any address required in the US, all the incoming mails to me were delivered to that address, where that was not my dwelling. My friend just help me to collect the mails. The incident was discovered in early XXXX when it was happened, I then tried to contact Fifth Third Bank by emails, one day a gentleman who is the customer service of 53 Bank called me when I was in XXXX, I explained to him I was aware the case, but I was in XXXX I don't know what to do and asked for his advice. Very bad was that the gentleman promised me on the phone for a solution, but he did nothing and never contact me again after the call.
As the increment is only less than $ XXXX/month, so I considered it was not important, another key reason why I didn't follow up again was that the mortgage amount was drawn as usual from the checking account every month, it was nevere retruned back. I then didn't take care of it until I returned to US in XX/XX/XXXX. I found there were lots of mails in my mail box from 53 Bank asking me to pay for the mortgage, I didn't know that at all as I was not in US, no one was taking care the mail box for me.
One more factory created this issue was that my friend sold his house in XX/XX/XXXX, after he moved out, my virtual mailing address has no one to collect the mails for me. Although I had informed 53 Bank my address changed, all the mails from 53 Bank went to my new address, the problem was no one there, all the mails were accumulated in the mail box. I was not aware all the warning letters from 53 Bank to me about the payments until I came back in XXXX, it was too late.
I have explained the details of my situation and provided to Fifth-Third Bank all the printed monthly statements from XXXX XXXX & air-ticket showing I have paid on time and when I came back to the US. Unfortunately, an investigation within Fifth-Third Bank was carried out and finally, I was sentenced for delinquent payments, no one listen the reasons behind or any explanations. After that, I am not entertained at all. how come a public bank in the US would behave like this?? Fifth Third Bank treats her clients in such unfair and unreasonable!
This is the fact of the whole story, it is actually a short payment of {$16.00} for 5 months, not late or delinquent payment of mortgage. The report to the credit bureau was not correct and it is not the fact.
Your help on this unfair judgement is much appreciated.
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| 10/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Servicemember |
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I was a victim of fraud while banking with Fifth Third Bank. When I noticed the unauthorized and unrecognized activity, I called Fifth Third immediately and was met with disdain and accusations. Desperately trying to explain and prove my inocence, the guy in the security dept at fifth third bank was extremely rude and blatantly called me a liar and thief after questioning me incessantly. They did absolutely nothing to help me and then upon their investigation which they told me nothing about, decided that I was to blame. They proceeded to lock my accounts but left them open for credits ... .meaning money could come into the account but not come out. Also, I did not have access to even look at my account. Someone was depositing fraudulent checks in my name via mobile deposit. A short time before this happened I was in a bad car accident which left me injured, confused and without my purse containing my wallet, my debit and credit cards and some very important information such as my login information. These sensitive financial items were in my possession that day due to a situation that day where I was handling some business and would need to log into my mobile app.
Fifth Third has a known policy of zero liabilty in referrence to a member not being held liable for fraudulent activity within their accounts. Meaning Fifth Third would provide a credit for monies lost via fraud. After I reported the fraud to Fifth Third employees Fifth Third provided credits for the ATM withdrawals but then put them on hold causing my checking account to be severly overdrawn. When I called to inquire about my account I was passed to the security team of Fifth Third who then began to accuse and berate me and blatantly expressed that they thought I am a liar and that I scammed them by depositing the checks via mobile device. I told them several times that I did not do this but it was as if they cared so little that talking to me at all was a bother. They then told me that they were going to excercise their right to refuse business with me. At this point I was so appalled that I agreed about not wanting to do business with and asked them to close my account after giving me the money that was originally in my account. They told me I would have to wait until they had finished their investigation and until alll the transactions had cleared. The only transactions that hadn't cleared, mind you, were the holds that Fifth Third put on the " coutesy deposits for reimbursment of the fraudulent atm withdrawals.They were extremely rude and I found myself on the phone with them everyday for hours each day. I am a single mother of XXXX young boys. We have no family or and real friends and I literally raise them alone. I am also XXXX suffering from XXXX and XXXX XXXX. I collect social security XXXX for this XXXX XXXX and the only other income I have is child support for my boys which without it we we will not make it. I expressed this and the fact that my monthly check would be sent to my account concerning this matter. They informed me that I would need to change my direct deposit because my account would reject the payment. So, I opened a new bank account after fighting with every employee at Fifth Third. I realized immediately that it was a bit late in the month to change my direct deposit. I was terrified of my payments being deposited into that accout because I wouldn't have any access to my funds. This is very scary for me because it's all the money my children and I have to survive in this world. Fifth Third didn't care. Fifth Third has expressed to me that they did that grimy stuff to recieve payback for the fraudulent activity. I think it's pretty sad when a bank... ..a bank with unlimited funds nees to take what is essentially pennies from a single mother. They had no reason to do that. They also stopped talking to me and giving me the information I would need to do some. They puposely tried to make me feel very low and worthless. They had still yet to offer effective resolutions or advice. They did all of this without my knowlege or approval. Also, I have attached the back the folloing uploaded document containing a comparison of my signature and the one used to commit fraud.
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| 05/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I contacted XXXX XXXX 's Loss draft claims dept on XX/XX/XXXX and informed them that I wanted to payoff my mortgage. They informed me that I had enough funds to pay off the loan and that I would be receiving surplus funds back in the mail after apprx 10 days.
The next day on XX/XX/XXXX, XXXX from the Loss draft claims department left a voice message on my phone and stated " before we can apply the funds you have in escrow, I would have to pay the difference before we can apply the funds we have in escrow account. '' This was an unclear circular statement. In reality escrow account was in the negative so I knew that the agent was not being clear for lack of understanding my account details. I called the loss draft claims department back on XXXX and was on the phone for 14 min and 27s attempting to figure out what the issue was and they were not able to tell me anything except that my case was being " tasked out '' and that my loan was unique. From there I was sent to a multiptude of different departments over the course of a week. I procedded to call various departments within XXXX to try to understand what was going on. On XX/XX/XXXX I called and spoke to an agent who was unable to help me. On XX/XX/XXXX I have a call log of 6 discrete calls to 3 different departments. On XX/XX/XXXX there were 5 calls between myself and XXXX. I was getting the same type of responses, that I had to wait for a manual approval. I tried following up the next week on XX/XX/XXXX and XX/XX/XXXX and got no answers or results from waiting. I called the offie of the president on XX/XX/XXXX and they told me they would " investigate '' what was happening. Finally I decided to call XXXX XXXX to complain and once that happend an agent named XXXX XXXX called me back on XX/XX/XXXX. During this entire period of over 1 month, not one agent offerened me a payoff quote. For one month I was ping ponged around the departments of XXXX XXXX because they couldnt give me support in the steps to pay off the loan. XXXX then stated she sent me a quote but that the quote would not be correct because there were late fees on it as welI as other inspection fees which are not allowed during a forbearance period which I had been in VERY close communication about with XXXX and with XXXX XXXX. I then proceeded to speak with XXXX XXXX following up 3 times per week to find out if they would be backdating my payoff to XXXX or XXXX given all the confusion offered by XXXX and time I spent waiting as XXXX told me to do while they went to " manually approve '' my loan. XXXX XXXX was not able to get me a correct payoff quote until the end of XXXX around the XXXX. I called the same department and spoke to 2 other agents, one being XXXX XXXX who looked at my account and was IMMEDIATELY able to give me instructions on how to pay off and suggested that XXXX backdate the payoff quote but then said since I had been talking with XXXX, that she should handle it. I called back and spoke to another agent that day and payed the difference suggested to balance out my escrow by an agent named XXXX and she informed me just as XXXX had, that if there was an overpayment on my part, that I would be refunded.XXXX is contesting that they are able to keep the interest on my loan for the months of XXXX and XXXX even though it took them 2 months to give me a solid response in paying off my mortgage. During this time, they also put my account in DELINQUENCY bringing my credit score down hard. And this is because they have zero communiation between departments. Even if you go and speak to each depertment notifying them as I did thet my account had been protected by a WILDFIRE forbearance, they still put my account in delinquency. I would like to add that my time spent on the phone with XXXX XXXX was a waste and a nightmare. This person cut me off when I was speaking, and gave me responses that were biased such as " I dont feel like the interest could be taken off for XXXX. '' This is not a " feeling '' issue, this is my financial health and that is black and white- not grey areas for opinions. There was a major lack of expedience and negligence on the part of XXXX XXXX and I want to see I am treated fairly in this matter.
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| 03/02/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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This problem deals with both a checking account ( no access to funds for a month ) and a credit card closure where on XX/XX/2020 I have a written letter from the Office of the President that the account would remain open. They have closed the checking account and I have two letters that once closed I would receive the balance from the account, but I have received no money and not even allowed to transfer it to a 5/3 credit account to pay a balance due amount. The closure was due to a risky transaction but noone will tell me and everyone refuses to let me know which transactions could possibly be turned risky.
I called to get a status on one of my disputes and was denied and they transferred me twice to some Customer Service Department and he told me they were severing all relationship with me and 5/3 Bank. I told him I had not been contacted by phone, email, fax, US MAIL and he advised me it just happened that day. He would not tell me anything but that there were risk adverse transactions in my account and they were closing it. I received a letter later from XXXX XXXX, Office of the President later the closure of 3 accounts, my checking, and 2 savings accounts. I am unclear how a savings account could be risk adverse and still unclear why I can not be told which transactions are risk adverse. They may be referring to my recent dispute of {$210.00} which was recently ruled in my favor. I also have been writing letters to the Branch manager and other Corporate members of how rude they were compared to branch office personnelle and they were not doing a Fifth Third better. I think it is more than a coincidence that all my accounts then get closed soon after. It is close to retaliation or attempting to punish me. Well, they have caused 'damages ' such as my debt ratio and available credit and an account closure hits your credit score as well. This has been unprecedented in my dealings with a national bank. Anyway, XXXX XXXX advised me in writing on XX/XX/2020 that my credit card ending in XXXX will remain open. I talked to Customer Service and they said they have no idea what the Office of the President does nor the Disputes department and that the credit card is to be closed. Also XXXX XXXX informed me that once the accounts were closed, a check would be issued to me for the balance, again in writing. When I call Customer Service and escalate to 2 higher supervisors I am told that a check will NOT be issued until the dispute is over and today is day 22 and we will send a check on day 35. I am not cognizant of another dispute being open. One was opened by mistake, case # XXXX, and eventhough XXXX XXXX says it could take 45 days from XX/XX/2020 ; I have already been informed by 5/3 in writing that the case has been closed. I received another letter from Bill, Fraud Analyst III that stated a check would be issued when the account is closed. I can not use my checking account, I attempted yesterday over the phone to transfer over {$140.00} to my credit card payment due and they refused that action. This has been going on since XX/XX/2020 and my funds are being help against my will and I keep receiving false promised of a return. I was unaware a bank had the regulatory right to hold a customer 's funds without cause for almost a month now. I doubt there are any risky transactions but feel I have the right to be told which ones the bank thinks are risky and it is my property. Is it not possible for the 3 departments to communicate? Especially when they are placing promises in writing to clients that they have no intention of following though and each department appears to be in a power struggle on who makes the final decision. I would think the Office of the President would have the final say here and I am holding them to their promise of my credit card remaining open. I do need a way to logon to administer my credit card for charges and payments. I also need the last two statements of my checking account as I am unable to verify anything. This has been very frustrating and has gone on way too long, almost a month now with no access and no permissions from anyone from Customer Service to move any of my funds even to pay off 5/3 debt.
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| 02/27/2023 |
Yes |
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- Trouble during payment process
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Web |
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I had a change of income in the end of XXXX and I called fifth third in XXXX of XXXX to see if there was anything available for me I explained to the rep I only needed a few months just to get things together with the change of income and that I would not need to modify or make any changes in my mortgage that I just needed a little bit of time to get my finances back in order since the loss of income I was told that there was forbearance time available to me with no application process the worker told me that all I had to do was request the forbearance that was available to me with her on the phone when the forbearance was up all I had to do was call and say that I was ready to start making full payments again and to start making those payments when I called when I thought that my forbearance was up I was told at that time that there was an application that needed to be processed in order for me to have used that forbearance time an application was sent to me I at this time got a XXXX XXXX I felt like I needed someone to work with me seeing how fifth third had already provided me wrong information and put me in this position so we did the application process I sent it in with all requested information we went back and forth all way up until XXXX of XXXX I sent everything in immediately and threw my worker in XXXX they asked for birth certificate we sent it they said it was blurry we sent it again neither my worker or myself heard anything from them for a few days so I reached out when my worker was unable to reach anyone and finally was able to reach someone who said that my case had been closed because they were unable to reach me which was not true we had been in constant contact and I also had paperwork signed so they could speak to my worker who they never reached out to either when I explained what was going on to the fifth third representative she then apologized seen on the record that I had called several times and said just resend the application that you previously sent just have your worker change the date at this point they requested banking information pay stubs and all this information based on the new XXXX date then I was told by them that I was not able to get the forbearance at that time and that I would need a loan modification which is not something that I wanted to do I was fully capable of resuming my regular payments and making them on time which what I was told was available to me from the beginning at this point I had already missed those months payments which I was thinking that I was on a forbearance for and unable to come up with that large sump of money at one time and had no choice but to move forward with the loan modification process I then received the paperwork had it notarized had it signed in and it's been over a week and I have people outside of my house taking pictures knocking at my door giving me letters my loan is in default fifth third has provided me incorrect information which has destroyed my credit report I'd like to add that I was not behind on a mortgage payments before I decided to take this forbearance that I was told was available to me by the bank since then my credit has been destroyed I have made payments every month since the forbearance has ended just like I was told but yet it looks like I am months and months behind because of that forbearance they have never communicated any information with me properly every time you speak to someone at fifth third they give me different information no supervisor or underwriters or any one of that nature has ever reached out to me even though I requested several times I don't think it's fair I don't think that a mortgage company should be able to tell you have something available and be wrong if you listen to this call which I know is recorded we had a very lengthy call where she several times told me I have this available to me all I had to do is request it with her there was no application process I feel like the bank should have to stand by that they have put me in a position wear my credit is destroyed I'm behind on my mortgage and now that I've done a modification during this horrible time my payment went up {$250.00} a month
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| 11/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX following the catastrophic hurricane in the XXXX 's, I contacted Fifth/Third Bank and requested a deferred payment arrangement in order to give me time to get back to work and regain finances in order to satisfy my financial obligations. The representative was quite helpful and assured me that I qualified for a 2 month extension for the months of XX/XX/XXXX and XX/XX/XXXX. We set up arrangements to begin repayment of my auto loan on XX/XX/XXXX via my XXXX XXXX checking account. The Extension Agreement required that I pre-authorize payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( I have copies of the pre-authorized payment schedule ). I was assured that my credit would not be negatively impacted and that NO payment would be required prior to XX/XX/XXXX in the amount of XXXX ( included a XXXX processing fee for the month of XX/XX/XXXX only ). In addition no late fees would be assessed to my account as a result of the deferment for the months in question. I was also told that I could expect an Extension Agreement to be issued within 2-3 business days and that I would be required to sign and return it either by Fax, e-mail or USPS mail. After not having received the aforementioned Extension Agreement, I called 5/3 Bank again the end of XX/XX/XXXX to inquire of its status. I was told by the CS agent at that time, that because of the large number of requests due to the Hurricane that they were " backed up, but no worries because my extension was being processed and would be mailed to me within 2-3 business days ''. I received the Extension Agreement via the USPS XX/XX/XXXX with a mail date of XX/XX/XXXX and a required return signature date of XX/XX/XXXX. On XX/XX/XXXX I faxed the signed agreement to the number attached from the Fax number ( XXXX ) XXXX. I received a " Transmittal successful '' reply and also placed the same signed Agreement in the mail in the return envelope to be certain that it was received by XX/XX/XXXX. I had NO knowledge that supposedly NEITHER of these methods of return were " received ''. I did not receive any phone message. Instead, on XX/XX/XXXX an email ( which went to SPAM ) was sent from " Auto Loss Mitigation Customer Inbox.XXXX '', an entity that I had no knowledge of and therefore no reason to open it in " SPAM ''. I found this out because on XX/XX/XXXX, I retrieved a phone message from 5/3 Bank left XX/XX/XXXX informing me that my auto loan account was " past due '' and that I needed to return the call. It was upon retuning that call that I was told that they did not " receive '' the Faxed Agreement and that the mailed paperwork had conveniently been received a day late ( XX/XX/XXXX ). I do not believe either of these statements to be factual, but rather that my Agreement was not PROCESSED in time likely due to the same reason that it took nearly two weeks to send it out in the first place-the large volume of requests related to the storms. When I spoke with the CS agent on XX/XX/XXXX, I was assured that they would again offer the Extension Agreement for the months of XX/XX/XXXX and XX/XX/XXXX provided I make a preauthorized scheduled payment on or by XX/XX/XXXX and that I preauthorize 3 future payments which I again set up using my XXXX Checking account for the dates of ( XX/XX/XXXX ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Further, I was assured that keeping this arrangement would prevent my account from being negatively reported to the Credit Reporting Agencies. Despite this obvious delay in processing on the part of Fifth/Third Bank and/or its entity -AutoLoss Mitigation , XXXX , it has come to my notice that Fifth Third reported my account " delinquent '' for the Months of XX/XX/XXXX and XX/XX/XXXX to the Credit Reporting Agencies effectively destroying my credit! The exact opposite of what I was assured would NOT happen and the reason for requesting the Extension Agreement in the first place! And while I have to date made the required payment ( on XX/XX/XXXX ), the response to my requesting a " Retraction '' in reporting my Account delinquent for these months, is that they " can not advise me about credit reporting issues and that I should contact FTC.gov ''.
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| 05/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Fifth Third waited until 4 days past the originally scheduled closing date to inform me that I no longer qualified for the mortgage. Although nothing with my financial status ( income, debt, credit history, or expenses ) changed between the time of pre-qualification and being denied the loan after my originally scheduled closing date, because of a debt-to-income ratio that exceeded the allowable amount.
I was pre-qualified for {$410000.00} on XX/XX/XXXX and sent my accepted offer to purchase contract to the lender on XX/XX/XXXX. The closing date was set for XX/XX/XXXX and I was in frequent contact to get the lender any additional information that was required. On XX/XX/XXXX the lender sent an email asking for EVIDENCE YOUR EMPLOYMENT WILL TRANSFER UPON MOVE FROM XXXX TO XXXX. [ co-applicant ]. I replied to the email the same day stating [ Co-applicant ] will continue to work in NC until XX/XX/XXXX XXXX Co-applicant ] will be applying for jobs next month, but will continue to reside in NC during the week with her father and friends until she obtains employment in GA. I also called and spoke to the loan officer to reiterate the co-applicants employment as described previously and discussed prior to and on the day of pre-qualification. Nothing was submitted in the application that reported the co-applicant as having income established in Georgia.
As days continued to pass, multiple emails were sent to the lender requesting an approximate closing date. On XX/XX/XXXX the lender stated in an email, Yes, a closing extension will be needed please. I would recommend until XX/XX/XXXX to be on the safe side. The verification of rent still hasnt been provided and Ive requested another update. The insurance and flood were received. Ive asked for Travelers to provide replacement costs information.
After providing the requested information, I did not receive updates on when the lender would possibly be able to close. Then, on XX/XX/XXXX 3 days after the originally scheduled closing date of XX/XX/XXXX the lender sent an email stating, Good News! We have all items and your loan was just submitted for the full approval review. Please note once the full approval is issued youll receive a system generated email that is informational only and does not require a signature. Well also reach out to schedule the closing.
Afterwards, on XX/XX/XXXX, the lender asked for additional supporting documents which were sent to them. Later that same day, I received a call from the lender and was informed that I did not qualify for the loan amount and would need to significantly increase my deposit amount to qualify because my co-applicants income was not allowed to be included making the debt-to-income ratio exceed allowable limits. Nothing with my financial situation ( income, debt, credit score, or expenses ) changed from the time of pre-qualification to being informed that I no longer qualify because of a lack of income. Yet, I was still unable to be notified in a timely manner that I did not qualify. Instead, I had to continue to submit over 20 supporting documents in addition to the items submitted prior to pre-qualification ( W2s, pay stubs, tax returns, and 3 months of bank statements ). I also spent unnecessary money on house inspections since I was informed that I pre-qualified for the house.
Prior to submitting an offer to purchase on XX/XX/XXXX, I asked the lender Is there anything else I can do to get something saying that Im preapproved prior to seller accepting the offer The lender replied, We only offer pre-qualification and is used to purchase homes all the time. Our pre-qualification process has been approved by legal and compliance. The underwriting systems for pre-qual involves XXXX XXXX and XXXX XXXX.
Fifth Third prolonged the application process and waited over 30 days after an offer to purchase contract was submitted, to inform me that I did not qualify for a mortgage because of my debt-to-income ratio. Although, they had all the information needed to inform me of this 1 ) prior to prequalification, 2 ) at the time prequalification occurring, or 3 ) when notified that an offer to purchase was accepted by a seller.
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| 06/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My wife and I bought our house back in XXXX and at the time, our original mortgage company ( XXXX XXXX XXXX ) did not require us to have flood insurance. Our flood certification from XXXX said we were rated as Zone X, but did say the following : * The subject property IS PARTIALLY WITHIN a Special Flood Hazard Area. The existing STRUCTURE, however, is not affected and is not in the floodplain.
In late XXXX, our mortgage was sold to Fifth Third Bank. We received a letter in late XXXX saying that we needed to provide proof of flood insurance because they found our house was in Zone A and if we didn't provide proof of insurance they would purchase a policy on our behalf. I called into customer service and after explaining the situation and saying I had a flood certificate from the original mortgage holder saying I was zone X, they said to email it to them. This company is also one that will never call you back. It is always 15-25 days later I will receive a letter.
So, 20 days later I get a letter saying that the documentation I provided was not sufficient and their vendor found me to be in Zone A. I called back in pretty irritated and after arguing with the rep for 20 minutes, they pretty much said the only way the requirement would be removed is if I provided a LOMA form from FEMA.
I complained enough that the issue got escalated to 5/3 's office of the president. In the meantime, 5/3 purchased a flood policy on my behalf for {$2500.00} a year, which raised my mortgage around {$300.00} a month. After waiting around 40 days, I received a letter saying that after having their vendor recheck everything, they are sticking by their original assessment. They then proceed to tell me that they are requiring the flood insurance since my house might " slide into the flood zone ''. To me this is completely ridiculous. At this point without knowing what else to do, I contact my XXXX XXXX agent who I have my Homeowners insurance through to get a quote on flood insurance. I end up getting a quote back from them for only {$500.00} a year since they found since the house is in Zone X I was able to get a preferred rate from FEMA. My agent even talked to a FEMA rep and this person asked why were getting flood insurance since its not required. The FEMA person even said they would get on a 3 way call with a rep from the bank to try and explain.
I called the office of the president back and re-opened the case. I provided all of this info including the fact the FEMA rep would get on a phone call. 15 days later I get a letter saying they are still sticking by their determination. Around this same time, I also get a letter saying that they can't accept the flood policy I purchased from XXXX XXXX/NFIP since the policy says " Zone X '' and there is a discrepancy since on their side they show Zone A. I called them back and they told me they wouldn't get on a 3 way call since it wouldn't change their mind and plus that department doesn't talk to customers. They said the only way they would reverse their decision was if I provided a LOMA showing I'm not in a flood zone or some other kind of documentation from FEMA saying why they can't provide a flood policy for me showing Zone A instead of X. I was resigned to the fact that for {$500.00} a year, having a flood policy isn't that big of a deal ... but now they aren't even going to let me do that? I am beyond frustrated. I have never dealt with a company like 5/3 Bank. I have also tried to find out who the bank uses for their flood certificate determinations, but they have thus far refused to give me this information.
I think at this point I want to focus on somehow trying to get the bank to accept the cheaper flood policy, or somehow getting a letter from FEMA saying why the policy is zone X. At this point how could I even get a policy showing Zone A when it was determined the policy was based on X? I don't get it.
Any help would be appreciated. I think they are hoping I just drop this and pay for an expensive flood policy, but I want to fight this. They should at least allow me to have the cheaper preferred rate flood policy since even FEMA underwriting stated I was in zone X.
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| 04/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Ive been dealing with an issue with my bank. This issue has been going on since XX/XX/XXXX. This issue involves my credit card. Ive spoken to tons of people and regarding this issue, I keep getting told we are working on it. This issue is, I expressed my concerns back in XXXX of overpaying on my credit card, I asked them to go through all my bank statements to verify if I was overpaying. I went through personally all my bank statements for that credit card, and it added up to me overpaying over {$300.00}. A little later on in the month of XXXX my credit card showed that it was - {$360.00} I called the bank and they expressed that that means Ive overpaid that much money and it needs to go back into my checking account around that time they put that request in for it to be transferred to my checking account. I called the bank about another issue with my credit card. I was not able to use the credit card. I was told that there had been fraudulent charges on my account, and my credit card was locked me and the representative went through some of the bank statements and she asked me which transactions were valid and which ones werent. Come to find out there was four fraudulent transactions made on my credit card, at this time the credit card was paid off, so basically I paid off those fraudulent transactions without knowing there were four fraudulent transactions, two of them were for XXXX XXXX of them was for XXXX and honestly XXXX cant remember the other transaction. The lady disputed these transactions later on in the month of XXXX I received a payment to my credit card of {$450.00}, once they disputed those fraudulent charges, they close the credit card account. I told them that I did not want another credit card with them but the lady continue to open one. She said that I still needed to have a credit card for some odd reason, but she wasnt going to send me the credit card because I didnt want the account and she told me to let the credit card clear out of the transactions that were transferred over and then request for that account to be closed. There were three transactions that I made in XX/XX/XXXX, that I paid off immediately after I purchased. These transactions were made on the old credit card before they closed it. Somehow these transactions transferred over to the new credit card that they opened. The lady told me to wait for it to clear out and since I didnt want the credit card with them to request for it to be closed after the transactions clear out. Ive been calling and calling since XX/XX/XXXX for them to fix this issue. I spoke to someone in late XX/XX/XXXX. The lady finally knew what needed to be done and she was working on this very well. This lady kept in contact with me and told me this issue would be resolved on a certain day, that certain day I logged into my banking account online, the credit card account was gone. So i called the bank just to verify that everything was cleared and resolved, I was told by the representative that I still owe that money on my credit card, and that they close the account due to me, not paying on the credit card. I requested immediately to speak to a supervisor Ive been speaking with his supervisor and he said he was going to get this resolved. He need some time almost XXXX weeks later, he tells me that him and his boss have come to a resolution for this issue. The supervisor tells me that that money that was paid to me included those transactions that I made, he said I was credited for the money, and that I need to start paying on that credit card. Ive simply given him all the information on wet that payment was for. Honestly he told me that the {$450.00} equaled the XXXX of the transactions that I made, but paid off on the old credit card. Plus the XXXX of the dispute a transaction equaled up to that {$450.00}, I honestly told him that those numbers dont match so that shows that that payment wasnt meant for that, I also told him that if that was correct, where is the other three disputes that were made for those fraudulent transactions? I asked to speak to his supervisor, his supervisor was supposed to call me last week. Ive never heard from them cents.
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| 02/11/2021 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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Fifth Third Bank only adjusts escrow accounts once a year, in XXXX. I contracted XXXX and became ill on the XXXX of XXXX, and somehow missed the letter telling me of a the upcoming escrow shortage and the increase in my payment. My mortgage is paid automatically through my bank every month. It was not until XXXX, 2021 that I received a call form 5/3 informing me that my last 2 payment were short. Although they had received over {$3000.00} from my bank they had not applied the payments because they were not the exact amount.
First call. XXXX XXXX I immediately called them and while on the phone sent the additional money through my bank. I explained to them what had happened and the women I was speaking to told me that I if closed my escrow account this could not again. While on the phone with her I electronically sent {$88.00}, escrow for XXXX, through my bank and later as she instructed, sent them an email requesting to close my escrow account and received an email confirmation from them on XXXX.
After one month and numerous calls it is still not resolved. I have done everything I possibly can to resolve this issue but every time I call the bank I get completely different instructions. I have never dealt with or heard of anyone else who has encountered such an unprofessional bank and am questioning whether there is something nefarious going on.
Second call a few days later. Reached a man at 5/3 escrow who said the escrow was not closed. Asked him why and he replied maybe you didn't send enough money. I asked him how much I still needed to send and he relied he didn't know. I asked him to transfer me to someone who did and he said, " NO. '' I asked him several times how to resolve this and finally he instructed me to send {$1100.00}, which I did immediately.
Third call a few days later. This time I reached a woman who said escrow still not closed and explained, incorrectly, that the escrow shortage was for last year and to send {$340.00}, which I sent while on the phone with her, and to call back in a few days to request that they update my payment amount.
Fourth call was again a few days later and after retelling the above story, the woman apologized and said the first woman was right and the escrow had been closed and the {$1100.00} the man told me to send was actually my new payment amount and had been applied for XXXX. I told her that I had no faith that this was resolved, that they had reported a late payment to credit bureaus, my first in over 40 years, and did not want to risk something going wrong and I had set up an automatic payment that they would receive the next day for {$1700.00}. She assured me that after 20+ years in mortgages, she knew what she was doing, said to cancel that payment, and I need not do anything else, everything was in order. She said I need not call back and did not need to request an update of the payment amount.
On Monday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating that they had received a payment for {$1100.00} not {$1600.00} and asking what to do with it. I immediately sent another {$700.00} to them online.
Fifth call, XX/XX/XXXX, I demanded that I speak to a supervisor and only after having to repeat the entire story again was given to a woman named XXXX and for the 6th time had to repeat the entire story. She said she would send it to be investigated and they would call me in 2-3 business days.
Sixth call. Today, XXXX I received a voice message from XXXX who asked me to resend the email requesting closure of my escrow, said they did not receive the first one, which I have a confirmation from them for, and suggesting that I pay the full amount including {$550.00} for escrow. I called her and got voicemail, then asked her to return my call and sent another email as she instructed, for which I received back a confirmation from them. It is XXXX and no response yet from XXXX XXXX
Seventh call. I called 5/3 and woman said they have still not received the {$700.00}, nothing has been applied to my account and to call back tomorrow.
I have no idea what happened to the {$340.00} that posted to my account on XXXX and 5/3 won't tell me either.
|
| 04/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XXXX of 2018 I setup a secured credit card with XXXX bank for {$500.00} against a {$500.00} secured savings deposit.
On XXXX 2018 I went to pay the credit card off at which time maybe had {$250.00} worth of known charges on it. When I arrived to the bank branch I was made aware that the card balance due was nearly {$1700.00} due to a charge from XXXX XXXX XXXX. My first issue here with XXXX bank is that they even allowed a charge {$1200.00} over the credit limit post to my account without verifying the legitimacy of the charge as this would seem suspicious to an other banking institution I bank with. My second issue here is that I DID NOT authorize this charge on my account. ( Note : I have been a XXXX XXXX XXXX customer for over 10 years. I travel often for business and have a XXXX Rewards account with XXXX where by they have a totally different card on file with me whereby ALL rental car charges post to. including but not limited to gas, toll roads, rental charges etc. ) Once I informed the bank branch management of this they suggested I open a fraud case to resolve the matter. Despite my request being that they reverse the charge all together as it was well over the credit it limit and should not have been approved in the first place. Nevertheless I was told this was the appropriate means in which to resolve the issue.
After several follow up visit to the branch and a few calls from the fraud department. The claim was ultimately denied as they claimed my relationship with XXXXt XXXX XXXX is evidence that I do business with them. Despite the fact that I ONLY use the card on with budget rental and that regardless of my relationship with them my 2 points remain. 1. The charge was above the limit of the card in questions. 2. I did not authorize any XXXX XXXX XXXXr charges on that card.
XX/XX/XXXX I went back into the branch to appeal the decision and spoke with the branch manager who offered no logical or acceptable reason for the cause of this bank error. Therefore, I requested that my case be appealed and re-reviewed. At my request this matter was escalated to the Regional VP who contacted me direct but explained that we would need to open a whole new case. After receiving various conflicting stories and explanation within as to the status of the case I called the number provided by the VP to file a new case. I'm not sure to this day what happened with that second filing as I have no record of it from XXXX to speak of.
XX/XX/XXXX after not hearing from anyone on this matter for some months I go to branch the card was originally setup in to speak to the person who created the account. She was just as appalled as I to learn what happened. We called the fraud department and was told the appeal had not been processed and that we would need to refile. Additionally she called XXXX XXXX XXXXr to have them run in their billing system the card number for the account and there were no charges on record for this account. The appeal was filed and I submitted per her instructions submitted a written statement via email that she was to submit along with the appeal stating we called XXXX they can not verify the charge on their end.
XX/XX/XXXX I emailed the branch manager who helped to file my appeal for a status update. She informed me she had no further assistance to offer me and instructed me to call the fraud department. In doing so I learned that the fraud department had indeed receive my appeal but had not processed it. They explained that someone would contact me in 48hr to review my case.
XX/XX/XXXX no one has yet to call me from fraud and I have now exhausted all possibilities of resolving this matter within the XXXX organization and am seeking help from Consumer Finance and any other means.
This has had a HUGE negative impact on my credit score and as a result prevented my from several business opportunities and continues to do so the longer is stays unresolved. The level of dis-concern I been treated with throughout this organization on a matter that should not have ever happened in the first place as the card should have flat out been declined from the beginning is alarming.
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| 08/15/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem making or receiving payments
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|
Web |
Servicemember |
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I have two checking accounts, one with Fifth Third, and one with XXXX XXXX XXXX. I had a monthly recurring transfer from my 5/3 account to my XXXX account, for {$850.00} a month, set up in the 5/3 website. I wanted to bump up that amount from {$850.00} to {$950.00} on XX/XX/XXXX. However, trying to change that amount would only work for the next payment, and would not update for the following months.
I wanted to permanently update the amount moving forward, so I set up a second monthly transfer with the correct amount, and tried to delete the old transfer. However, attempting to delete the old transfer would just move the transfer out a month, and not delete the transfer entirely. So, expecting that the 5/3 help desk would be able to assist me with the permanent deletion, I opened up a text chat with one of their representatives, who was not very helpful.
Me good afternoon, can you help me remove the $ XXXX monthly transfer? i can not remove it entirely myself from what i can see hello?
XXXX - XXXX XXXX Good evening ( my first name )! Thank you for contacting Fifth Third Bank, this is XXXX. I am here to make your day a Fifth Third better. I am glad to assist you with your inquiry about cancelling monthly transfer and apologize for the inconvenience caused.
XXXX - XXXX XXXX May I know the mode of transfer?
Me there's two transfers for the same account now, i need the one for {$850.00} set for XX/XX/XXXX fully canceled ( 5/3 account number ) to a XXXX account trying to cancel on my side just pushes the transfer out a month is there a way to fully cancel it on my side? or do i always need a rep to do that for me XXXX - XXXX XXXX Please allow me some time, while I review the account.
thank you XXXX - XXXX XXXX Your payment can be deleted by following the directions below : 1. Click on the Transfer & Pay button from the left menu bar.
2. Select View Activity.
3. Under the Scheduled or Recurring Series section, click on the ( + ) symbol next to the appropriate payment and click Cancel.
4. Confirm your wish to delete the payment or series by selecting Yes when prompted.
Me trying to cancel on my side just pushes the transfer out a month it happened again now set for XX/XX/XXXX i would like to have the transfer fully canceled please XXXX - XXXX XXXX Once you delete the payment I would suggest you to delete the external account.
XXXX - XXXX XXXX Below are the steps to delete external account.
1 Log into using User ID & Password 2 Click TRANSFER & PAY 3 Click PAYEES & ACCOUNTS 4 Click NON 5/3 ACCOUNTS 5 Click MANAGE next to the external account to delete 6 Click DELETE 7 Click YES within the Attention pop-up window 8 A green message will pop-up confirming the external account was deleted Me again, trying to cancel on my side just pushes the transfer out a month i can not cancel it myself XXXX - XXXX XXXX I would like to inform you that call our Customer Service at XXXX XXXX XXXX XXXX, Sat XXXX ET for assistance and cancel the payment.
thank you Following the representative 's instructions, I called customer service in the morning on XX/XX/XXXX. I was first instructed to " delete the bank account, '' and had to ask for clarification that they did not mean to fully close the bank account with XXXX. They confirmed that I needed to delete the XXXX account information in the 5/3 website to fully delete the automatic transfers. However, this would also delete the new one I had just set up.
I complied, and deleted the information. Upon trying to add verify the XXXX account information again, there were 2 options. " Verify now, '' which threw an error that the bank information was incorrect, which it wasn't, or go through a several day process of verifying deposit amounts.
I called the customer service line again, who confirmed that the " Verify now '' button simply would not work in my case, and I would have to verify deposit amounts again, even though the XXXX account was in their system less than 30 minutes prior.
Moving forward, if I ever want to change a recurring deposit ammout permanently, i will have to go through this process all over again.
|
| 10/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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Web |
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Im filing a complaint against fifth third bank. Ive Had a personal account with them and they decided to close my account out of the blue as XX/XX/XXXX which is false because I had a Positive balance of XXXX in it on that date. XX/XX/XXXX I got the alert that my balance was negative. My account was in good standard. They decided to force an outrageous amount of XXXX in my Personal checking account causing It to close. Which thats false information reflecting and will effect my credit/ and I wont be being able to bank anywhere. I received a XXXX SBA loan XX/XX/XXXX for my XXXX XXXX that I just decided to get EIN # for on XX/XX/XXXX to further my business that Ive had since XX/XX/XXXX. I plan on opening my business account with Fifth third But decided to change my mind after one of their employees decided XXXX discriminate me red flagging my account because of the loan I had in my personal account that the bank accepted it. I came to get a XXXX XXXX XXXX that Corporate told me to do, due to me losing my debt card which she questioned me about the funds inside my account. I explained to her that I do have an business and would be opening account once my paper work came back from the state. She refused and lied and said they dont give XXXX XXXX out and offered me a atm withdrawal card that I never used because I didnt need it. I called the Corporate number back to let them know the situation. The branch manager decided not to speak to them about the issue and let them know my account was being investigated and they have a right to refuse services to protect the bank. So corporate office let me know that none of that is true and for me to go to the location where I open my account and they would be able to give me the card with out a problem. This happen XX/XX/XXXX .They gave me the XXXX XXXX XXXX with out a issue On XX/XX/XXXX. I also brought a copy of my identification number but they needed the official documents And explain to me how the business account works. Also I didnt continue to open the business account due to the fact you had to have a high balance of XXXX in the account. Due to my business being slow /COVID being a big impact and having XXXX XXXX XXXX and currently being XXXX XXXX XXXX it slowed me down from being able to run the business successfully. So I decided it wouldnt be smart to open the account and risk getting slapped fees at the moment. The President from the Branch branch Personally call me after hours on XXXX XXXXto apologize about the way his employee handled me rudely, he went in my account without my permission and was able to let me know that I was able to get my XXXX XXXX XXXX from another bank and started talking About the loan I told him the loan had nothing to do with anything I lost my bank card and needed a XXXX XXXX until I was able to receive my new bank card. He apologize once again and email me his contact information and let me know if I need anything from that location that I could personally contact him and work strictly through him. I told him I dont know about that Ive never been mistreated like that ever and I feel uncomfortable returning. When closed I requested for management to call me back to explain to me what was going on. They let me know they decided to close my account because the loan was for a business loan which I have and it cant be in my personal account after they accepted the loan back in XXXX never ask me for my business certificate or anything and decided to close my account without any letters, contacting me Nor asking me any question or proof about my business Loan, nor does fifth third bank state that I had to have a business account with Them in order to receive the loan. Theres a lot of small businesses that work out of their personal accounts until revenue is consistent then they open a business accounts. So they put that ridiculous - balance on my account to force it to close. Unacceptable, unfair and unprofessional that is. Ive been having problems every since the employee mistreated me and red flagged my account for no reason. I have the proper paperwork to provide upon requested.
|
| 05/28/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Due to XXXX XXXX my husband and I filed bankruptcy in XXXX. We did not include our second mortgage with 5/3 Bank trying to avoid losing our home. From the time of filing Chapter XXXX, to the judges review of our case, there had been a gross miscalculation ( about {$600.00} to $ XXXXMonth ) of monthly payment we would have to make to the bankruptcy court. We have XXXX boys and the difference in payment along with health insurance premium & high deductible, we surely would have a hard time paying 5/3 Bank the full monthly payment.
We reached out to 5/3 Bank, explaining our family 's hardship, asking if somehow, we could lower interest just to help us afford the payment. What was sent to us we couldn't so tried very hard to continue payment. Eventually we ran out of payment coupons sent to 5/3 with payment and called to request another book. I again asked if there was anything we could do to lower our payments and was told since we filed bankruptcy, I would not receive a new payment book and the agent could not speak with me. I was also informed if I could not afford full payment to remit what we could, which we did.
On XX/XX/XXXX our bankruptcy was discharged due to hardship. 5/3 Bank sent correspondence to us after the discharge stating we immediately owed {$56000.00} which was reported to the credit bureau on XX/XX/XXXX. After the loan was discharged, we spoke to the Recovery Department and agreed to make monthly payments which we do make.
In working very hard to rebuild our credit I'm happy to say we have been successful! Over the previous years we have put aside house repairs and are now badly in need. Recently we approached a bank to possibly refinance and combine our first mortgage with the amount due to 5/3 Bank. We however are unable to get an amount from 5/3 Bank that we can understand.
On XX/XX/XXXX I received a phone message 5/3 Bank needed to speak to me regarding our account. I knew it was their quarterly call confirming monthly payments, I had also attempted calling a couple days before but could not reach them because of high call volume. Returning their message, I spoke to an agent who told me the balance was {$44000.00}. I wanted to report to her we would continue monthly payments, but she said she needed to transfer me to the recovery department where I spoke with XXXX. I also explained to him about needing a balance since we may refinance. He told me we owed {$57000.00}. I was shocked at the difference and asked him to explain to me. He said the {$13000.00} additional amount is due to interest & fees. I asked him to please provide me with a breakdown showing when the interest & fees were added to the account. Initially he told me he could not give me that breakdown. I explained that if we owed the larger amount, I wanted to make sure because of the large difference. He said he would try to talk to someone who " maybe '' could, and it would take 3-5 business days and to receive the information I would have to call back.
I then spoke with the loan officer we currently are working with and he is also unsure of the balance due to 5/3 Bank since {$44000.00} was reported to the credit bureau on XX/XX/XXXX.
on XXXX XXXX I again received a message on my cell phone to call 5/3 Bank. I did and spoke with XXXX. I informed her I would continue making monthly payments. I also asked her to verify our balance since I was given two different amounts by their reps. She told me {$57000.00} was due. Then she said, " oh, wait a minute '' and put me on hold.
Came back on the line and said, yes, that is what was due. She offered a pay off letter which I thanked her for. I explained we also needed an accounting of the account showing dates the interest and fees were added. She said she could request an account history be sent to me but it would not specifically show dates the charges were added to the account. I again tried to explain I felt it was my right to know this information, especially since the difference of the two amounts is {$13000.00} - which is a huge amount to us!
* This was written to the best of my knowledge
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| 03/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This complaint is to Mortgage Loan Originator XXXX XXXX ( NMLS : XXXX ) XX/XX/XXXX : I called XXXX XXXX XXXX, told him I'm going to buy a house, located at XXXX XXXX XXXX XXXX, XXXX, TN. and need loan from them, and sent my tax return documents to him XX/XX/XXXX : XXXX XXXX XXXX sent me " mortgage Pre-Qualification '' letter XX/XX/XXXX : I forwarded fully executed purchase agreement to XXXX XXXX XXXX. On purchase agreement states the closing date will be XX/XX/XXXX or sooner XX/XX/XXXX-XX/XX/XXXX : Answered Mortgage Processors questions, sent more documents that Mortgage Processor requested XX/XX/XXXX : Sellers agent-XXXX XXXX : wanted to touch base to see what the latest update was on the loan progress XXXX XXXX XXXX : Waiting on appraisal XX/XX/XXXX : Sellers agent-XXXX XXXX : I wanted to follow up again on the closing of the above referenced property. Do you have the appraisal back? Has the closing company been released?
Me : please let me know the status right now XXXX XXXX XXXX only responded to me : I will check with processor, for an update XX/XX/XXXX : I emailed XXXX XXXX XXXX if any updates, he replied : We have not received the appraisalonce we receive the appraisalwe will have a better idea XX/XX/XXXX : Sellers agent-XXXX XXXX checks for updates, with no response XX/XX/XXXX : Sellers agent-XXXX XXXX checks for updates, XXXX XXXX XXXX : Still waiting on appraisal Emails between me and XXXX XXXX XXXX Me : I know you guys working hard on this, I really appreciate it. May I ask how long appraisal usually takes?
XXXX XXXX : It has been donebut appraiser has not sent back to us.yet Half Hour later, XXXX XXXX XXXX sent appraisal to me and Sellers agent, XXXX XXXX XX/XX/XXXX : Sellers agent-XXXX XXXX : sent over the addendum for the buyer to sign to move the closing date out. How long does it typically take for this process with your company?
No response from XXXX XXXX XXXX XX/XX/XXXX : Sellers agent-XXXX XXXX checks for updates again : Do you have the paperwork back from underwriting?
I sent email to XXXX XXXX XXXX also No response from him XX/XX/XXXX : Sellers agent-XXXX XXXX checks for updates with XXXX XXXX XXXX, no response I called XXXX XXXX XXXX, no response, no call back XX/XX/XXXX : Got email from XXXX XXXX XXXX, states that he has been out with the flu 2 hours later he sent : The appraiser will not give an written estimate of repair / remodeling ... involving converting 1 bedroom to 2 bedroom and my underwriter is not going to approve appraisal without that informationin other wordswe can not proceed I asked him : Can I do something to help? Can I give a written estimate of repair/remodeling? Why do we converting 1 bed to 2 beds? May I ask how come appraiser won't give a written estimate?
No response Sellers agent asked : What type of loan is this that you require an estimate from the appraiser? & what needs to happen for this loan to happen? Is there not another way to complete this process?
XXXX XXXX XXXX answered : Without appraisal approval ... we can not proceed ...
I asked : then what we can do to make it approved, I still don't understand what the problem is Sellers agent said : This is what I am understanding 1. The loan is at a standstill because of the appraiser needing to provide the bank with a repair quote?
2. That there is no other type of loan for the client XXXX XXXX to proceed with?
3. Bank 's client is not sure of what is going on with his loan request to know what the next step is.
Are you saying that the loan process is not happening? Are you telling him that there is a delay?
No more response from XXXX XXXX XXXX any more So I couldn't buy the house, I still don't understand what the problem is, I don't understand why appraiser will not give a written estimate of repair / remodeling. I don't understand Why XXXX XXXX XXXX need converting 1 bed to 2 beds.
I even doubt the appraisers capabilities, because he put neighbors shed in my appraisal. If he wont give an estimate, can XXXX XXXX XXXX get another capable one?
I have so many questions, but I cant get any answer from him
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| 11/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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On Wed XX/XX/XXXX, I received a text message of a {$310.00} charge at XXXX. Since I am the ONLY authorized user of the card, I knew the charge be fraudulent.
At XXXX on XX/XX/XXXX a call was made to the service center at XXXX XXXX, but after 11 minutes on hold, the banks system disconnected the call without ever transferring me to an associate. I was unable to immediately call back since I was driving home from work at that time.
At XXXX pm on XX/XX/XXXX a successful call was place to your center and a dispute was placed for the previous mentioned charge. During the call I was asked if I had the card in my possession and I indicated that I had the card in my possession and it was in the desk I was calling from at my home. I asked that the card be re-issued with a different card number since the card had obviously been compromised. Your associate then issued a new card # XXXX On XX/XX/XXXX I received a letter that my dispute had been denied since the card was protected with an EMV Chip.
A call was place to your service center on XX/XX/XXXX and I explained to you associate that this was not possible since the card was in my desk the entire time and this was the only card that had been issue for that charge account. She indicated that it can go to a further dispute that would take 30 days.
On XX/XX/XXXX, I received a letter indicating that my 2nd dispute was denied and to let the bank know if I would like the copies of the research used to make the decision.
XXXX XX/XX/XXXX, I call your service center to request the documents used in the decision and was told that there were no documents. It was once again denied because the card issued was a EMV chip card. I again told the associate that this was not possible and asked if my only alternative was a legal dispute. She then transferred me to a manager who was equally unhelpful. He seemed convinced that someone in my household took the card and used it, the rushed home to put it back in the drawer that I keep the card in. He said that I should do the research, file a police report and resubmit the claim.. At this point I can only conclude I would get the same answer again. From start to finish this process took 43 days and NO reasonable research was made by the bank.
Please be aware of the following based on my research XXXX. In recent history have only used the 5th 3rd card for fuel purchases 2. I have not shopped at the XXXX store that the fraudulent purchase was made at in over a year 3. I went to the XXXX store in question and received a copy of the receipt which has items on it that neither me or my family would have purchased 4. The XXXX employee, who was very helpful, said that the video surveillance is only kept for 30 days, so the delay in 5th 3rd doing any reasonable research on the the claim kept me from getting any video of the purchase. She also was surprised that the bank did not honor the dispute and she said this happens all the time 5. 3 people live in the household where the card is kept. I checked my XXXX alarm video and it revealed the following individuals entering the home around the time of the transaction. My wife entered at XXXX after getting the mail. At the time of the fraudulent purchase, she was recovering from torn knee ligaments and unable to drive, so it would not have been possible for her to make the purchase and return home in 2 minute since the XXXX in question is almost XXXX miles from our home. My son arrived home from work at XXXX. He worked until XXXX, which means he would have had to drive XXXX miles in rush hour traffic and get to the XXXX store in XXXX minutes to make the purchase, then drive another XXXX miles to get home. That would be a total of XXXX miles in rush hour traffic plus entering the store to make the purchase. I left my office at XXXX and would have had to drive XXXX miles in XXXX minutes to make the purchase. All 3 of these scenarios are IMPOSSIBLE.
A letter sent to the corporate office at 5th 3rd bank was mailed on XX/XX/XXXX and has not been responded to. by 5th 3rd bank.
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| 05/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Without my authorization, Fifth Third began a recurring auto-withdrawal on my mortgage account that was in addition to my regular auto-bill pay mortgage payment. This was in the amount of {$430.00} and these withdrawals occurred in XXXX, XXXX XXXX XXXX, and XXXX XXXX. These funds were withdrawn from my XXXX XXXX checking account, which is not my primary checking account, so I didn't realize this was happening until XXXX of XXXX. I called customer service and after a lengthy hold, I told them that I had not authorized this " curtailment '' payment. The rep told me to call auto-bill pay. After another lengthy hold, the rep told me that I had, in fact, called the bank and authorized the {$430.00} curtailment and she gave me a specific date of when this phone call occurred. I believe she said it was XX/XX/XXXX when I called. I asked if that call was recorded and was told that all calls were recorded. I asked to have that call reviewed and asked to be able to review that call myself, also. I was put on hold while the rep looked into the situation further. The rep came back and said that the reason I was getting the delinquent payment letters from the bank was that I had insufficient funds to make my mortgage payment. I told her that my funds were entirely sufficient and had never been otherwise. She also told me that she looked into whether the phone call could be reviewed and that it would not be reviewed because everything had been done in compliance with bank policy. I asked to speak to a supervisor and, after a lengthy hold, had to re-tell the entire sequence of events. After answering several questions, the supervisor hung up on me. She didn't hang up on me because of any conflict we were having. I was calmly explaining the situation. I assumed she would call me back but she did not which led me to the conclusion that she had hung up on me rather than being disconnected. At some point during all of this, I requested to be reimbursed for the funds in the amount of {$1300.00} for the three unauthorized payments. On XX/XX/XXXX I received a check from Fifth Third in the amount of {$1500.00}. I called customer service and told the rep that I was still receiving delinquent payment letters and the rep said it would be escalated to " the resolutions department. '' A rep from this department named XXXX called me and I told him the sequence of events. He said he would look into it and called me back a couple days later. He explained what happened which, in a nutshell, was that the bank dropped the ball and he assured me that it had been corrected. I asked that he confirm with me that the credit bureaus had been updated to reflect that I did not have any delinquencies. He assured me he would do that. I left him a message about a week later and said that I did not hear back from him and he never returned my call. At this point I went to my local branch and told them the story. The branch manager, XXXX, assured me that he would get it corrected. Three weeks later I had not heard back from him and I left him a voicemail that was not returned. I called a rep at the branch, XXXX, who looked into it and told me that the regional manager XXXX would be contacting me. XXXX contacted me and I told him that I wanted it in writing that the credit bureaus had been notified that there were no delinquent payments. Additionally, I told him that I wanted to be compensated for my time and for the damage to my credit score which, at this point, was significant. My credit report was showing three delinquent and unpaid mortgage payments. He said he wanted to get it resolved and then he would compensate me and we would discuss it then. He left me a voicemail, I left him a voicemail, and did not hear back from him. I have left him four voicemails in the past 10 days and have not heard back from him. I left XXXX, the rep at the local branch, a voicemail three days ago and have not heard back from her. Attached is a screenshot of my online account history. You will see an entirely confusing amount of red ink.
|
| 09/27/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On Monday, XX/XX/2018, I opened a checking and savings account with Fifth Third Bank. I opened the checking account with this specific bank because I recently graduated college and received a job opportunity where my current bank has little to no offices. I wanted a bank that had branches in my home state and new location as I stated when I opened the account. On XX/XX/2018 I also received my rent deposit check from my college landlord ( I am a recent graduate ) for {$500.00} and deposited it via mobile banking that evening. The check was out of state, since I went to college out of state. On Friday, XX/XX/XXXX, I received two letters from Fifth Third Bank dated XX/XX/2018. The first letter was a letter stating " Error in recent deposit '' Error description : " Non-negotiable ''. The letter also had my last name spelled incorrectly. No other explanation was on the check. The second letter I received on the same day, but was made out for XX/XX/2018, was a notice of account closure. In the later it does not state that it was the check that caused this it, the reasoning was " The activity that caused the account closure may be reported to an inter-bank consumer reporting agency, which could impact your ability to open accounts at financial institutions in the future. '' After receiving these letters I went to fifth third early Saturday morning, XX/XX/2018. I spoke with the same man who opened my account he said they probably just flagged the check being from another state but it will be taken care of by XXXX XXXX Monday, XX/XX/2018. I called him around XXXX XXXX XX/XX/XXXX and he said he was not having luck so he would have the branch manager look into it. I still was not given a clear explanation only guesses on why this was happening. I decided to call the 800 number given on the letter. I spoke with a customer service representative and she stated the check was NSF and the only way to get it all resolved if I personally got the my landlords bank statements and sent them in MYSELF to Fifth Third proving that she had the funds.
I spoke with my landlord who contacted her bank and she does in fact have the funds. She asked for my banks contact information and her bank, XXXX XXXX XXXX, would contact Fifth Third. XXXX XXXX did contact Fifth Third Directly with the statements and stating the check was meant for me and my landlord had the funds. Fifth Third made NO EFFORT to contact my landlord or XXXX at all throughout any of this that I am aware of.
I went into the actual branch on the same day XX/XX/XXXX, spoke with the branch manager. His story did not add up with costumer service. He had been also working on the case and was told that the lady she have just flagged the check and contact me directly before shutting down my account. He also said that since XXXX was contacting them that he would just need his regional manager to approve this and it would all be taken care of.
On Tuesday, XX/XX/XXXX, I had not heard anything from Fifth Third and contacted the branch manager. The branch manager said he was waiting on a few phone calls and it will be taken care of.
On Wednesday, XX/XX/2018 I still had not heard from Fifth Third Bank. I call the 800 number again. I spoke with a woman and she told me that everything I had been going through does not count. I had to be the one who delivered my landlord 's bank statements and XXXX could not be the one who delivers the bank statements. I told her I personally would not give out my bank statement that XXXX has already sent out a certified bank statement showing she has the money and the check was meant for me. After saying that she said XXXX would still have to send them to myself then I would have to send them to Fifth Third. I asked to speak with her manager and after being on hold about 30 secs was hung up on.
After this I decided to go into the branch again. The branch manager told me he had given XXXX 's number and all the information to multiple people and was still waiting since Monday. I decided to close my account.
|
| 07/01/2021 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
FIFTH THIRD BANK NA Account Number : XXXX This is not mine.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Fifth Third Bank is purposely reporting inaccurate information to the major credit bureaus violating the FCRA and the automatic stay in Bankruptcy. I sent a letter to Fifth Third Bank on XX/XX/XXXX requesting that they correct the erroneous information. Fifth Third Bank responded to me on XX/XX/XXXX stating In order to fully respond to your issue, we have opened issue XXXX. An email with our response will be sent to the email used for this issue. However, in some cases, it may be necessary to mail a letter to you at the address on file within twenty-five ( 25 ) days. As of today XX/XX/XXXX, Fifth Third Bank has yet to make any attempt to resolve the issue and continues to report inaccurate information to the credit bureaus.
I disputed Fifth Thirds reporting of inaccurate information with XXXX on XX/XX/XXXX. Fifth Third Bank responded to XXXX that there information was correct and then they reported that the last payment made was in XX/XX/XXXX, derogatory and closed. The following month Fifth Third Bank reported that the last payment made was XX/XX/XXXX, and that the account is derogatory and closed. Fifth Third Bank should delete the account reporting if they can not report the account accurately.
My mortgage account with Fifth Third Bank is OPEN not closed, paid on time, no payments are behind, not derogatory. It was opened in XX/XX/XXXX at {$47000.00} and has a current balance of {$20000.00}.
I disputed Fifth Third Banks erroneous information with XXXX in the beginning of XX/XX/XXXX and after 33 days the erroneous account was removed as I sent proof of payments and current balance along with my current mortgage statement from Fifth Third Bank to XXXX.
I disputed Fifth Third Banks erroneous information with XXXX on XX/XX/XXXX, XXXX and Fifth Third Bank has yet to respond to XXXX. I submitted mortgage statements directly from Fifth Third Bank to XXXX with my dispute for proof.
My mortgage payment to Fifth Third Bank is paid directly to Fifth Third Bank, it is NOT paid in my chapter XXXX plan to the Trustee. There were no arrearages before I filled Chapter XXXX on XX/XX/XXXX. There is NO PMI, and no escrow for taxes or insurance and no payments have been late.
To make matter worse, I received a mortgage statement from Fifth Third Bank dated XX/XX/XXXX which says I owe {$1300.00} by XX/XX/XXXX which includes {$1000.00} in post-petition bankruptcy attorney fees plus my monthly payment amount of {$320.00}. Fifth Third Bank is charging me post-petition Bankruptcy attorney fees that have not been approved by the bankruptcy court. Fifth Third Bank should not have sent me a bill for these fees. The XX/XX/XXXX mortgage statement states {$300.00} for bankruptcy attorney fees on XX/XX/XXXX and bankruptcy attorney fees on XX/XX/XXXX in the amounts of {$300.00}, {$140.00}, {$95.00} and {$230.00}. If you add those fees together the amount is {$1000.00}.
Fifth Third Bank needs to correct there inaccurate reporting of my mortgage account immediately or delete the account from the credit bureaus immediately if they are unwilling to correct. Fifth Third Bank should also seek approval from the Bankruptcy court if they think that they are entitled to any post-petition bankruptcy attorney fees and not bill me for those fees stating that I must pay them by XX/XX/XXXX. Again, the mortgage did not have any arrearages prior to filling, no PMI and no escrow and the mortgage is paid directly to Fifth Third Bank. XXXX XXXX owns the note and Fifth Third is the servicer. XXXX XXXX will not reimburse Fifth Third Bank for bankruptcy attorney fees as the mortgage was not in default and had no arrearages prior to filing Chapter XXXX so Fifth Third Bank is trying to make me pay.
I am attaching my mortgage statements from Fifth Third Bank for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for your review to resolve this matter. I am also attaching the communication I sent to Fifth Third Bank requesting they correct there errors and the response I received back from Fifth Third Bank.
|
| 06/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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The company 5th/3rd Fifth Third XXXX XXXX has had problems with verifying my property home owners association annual proof of insurance renewal and active status every year since they acquired the mortgage in XXXX from the original lender I had borrowed from. Each year, they have contacted me with numerous requests to provide these documents, claiming that they are not able to. Each year I've done so in good faith and with far more of my time and effort than is appropriate or acceptable. Each year, especially this year, I have put fourth a great deal of my own time to address this with them and the other parties, faxed and emailed them the appropriate contacts to the HOA and their insurance provider, as well as contact them both myself and have requested documents, as well as request to send them with each renewal.
This year I responded to their letters of request of proof, and notice of charging me for them to buy this insurance and enforcing an escrow account, I contact them by phone in XXXX & XXXX on XXXX separate occasions with their Customer Service Department. I have the proof of insurance faxed to them by HOA on 1st and Insurance Co. 2nd occasion. Each time I follow up with customer service and they say they did not get the documents and am treated rudely. I contact the Office of President and make several complaints again regards to all of the above and dispute what they are threatening to do. He opens a case. Next the mortgage company sends more letters, including letters to draw from Autopay for an annual insurance premium to cover for an existing coverage which they have been made aware of in every previous year. In XXXX they auto debited from my funds approximately {$500.00}, weeks later their agent later refunded the full amount. However, their collections department barraged me with very unpleasant calls to the point of harassment, which I complained about. And then they established a corporate wide Cease And Desist with them contacting me by phone for any and all matters with my account. I complained at the time that the extent was unusual and unnecessary, as the original issue was raised with only with collections. Since it has remained Cease & Desist status on my account, so everyone there can see, even when I go into the local branch face to face.
So this year I make additional rounds of calls and requests to both the HOA & insurance company to send proof of insurance to mortgage company. At this same time in this year XXXX they auto debit {$500.00} in addition to my XXXX monthly payment. They also send letters of enforcing an Escrow account and increased my monthly payment, which the also next do. I contact them by phone, to agent at Office of President to discuss all of above and make several additional complaints with their activities and the conduct of their representatives. Additionally, complaints that I had never agreed or signed at my closing, to any of these terms or approval to remove any funds from my auto pay institution for such. He said he understood, apologized and said he would follow up on how everything will be remedied. At this time, I file a complaint with the Office of the Illinois Attorney General. Since these events I learned from the Office of President, the Escrow is being enforced starting XX/XX/XXXX, and a credit was issues for {$390.00}, with the remaining {$110.00} being held for escrow.
I again call and speak with the Office of the President case representative, make another attempt to dispute the now remaining {$110.00}, request this be refunded and escrow account and enforcement be discontinued. Told the case is closed, nothing more he will do. Reminded that in XXXX, this same action was taken and later refunded in full. Nothing further offered at this time. Lastly expressed that as a customer, I completely feel that I've been pushed around, bullied, harassed, punished and abused by them to this point, and these other issues are all secondary to this. Submitting this to CFPB and other actions in response.
|
| 07/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Working with fifth third bank I submitted to them an application for a physician loan 0 % down. I was approved for 10 % down due to credit score being one point lower than their requirement in the context of having on a big trip and having a large credit card bill due to an international trip. Spoke with a lender at that time who advised that they could re-run my credit score and would be able to then upgrade to 0 % down. Re-run credit score, but read it prematurely so the number was still the same. At that point sent to underwriting with 10 % down.
I clarified with the lender that rerunning the score would still be a possibility and that a 0 % down loan would still be a possibility even after signing paperwork and submitting payment. The loaner guaranteed over email on XX/XX/XXXX that 0 % down would be guaranteed if I were to present a higher credit score. At this time I paid for my own credit report, which was at that time XXXX points over the requirement for 0 % down and resubmitted this credit score. Lender did not answer emails for myself and my real estate agent regarding adjusting loan terms or regarding other issues such as appraisal. Eventually, due to persistent lack of response from lender reached out and got in contact with his boss. At this time now 2 1/2 weeks after their agreement to still honor, the 0 % down, assuming the credit score had increased, and after having paid them. Supervisor at this point says it was against Bank policy to have ever run a second credit score and a third one would not be run. Recommended that I submit an appeal to get 0 % down loan not understanding that already it had been approved by prior lender and this is an over {$25000.00} expense. Set it at XXXXXXXX XXXX the Friday before closing, which is on Thursday in a state that requires XXXX hour turnaround before signing contract that it had been approved only at 5 % down. The 100 % was not able to be granted as an exemption after being explicitly, provided to me in writing that increasing my credit score was the only requirement to do this. Secondary to this set an a requirement for additional money gift loans in order to be able to get this money and documentation of all of the above again 15 minutes before the bank closed on Friday when all paperwork must be submitted on Monday. Despite multiple phone calls to both loaner and supervisor, nobody has been willing to address my concerns or attempt to problem. Self persistently insist that they will not violate bank policy while they have persistently been violating policy and have already run her credit score twice even though it's supposedly been their policy for over a decade to never run it more than once. Unwilling to refund money, provided with initial loan terms for their services based on genuinely held belief that they were offering me a 0 % down loan and unwilling to work with me to provide any sort of financial or material compensation, given the fact that my closing is likely to be delayed, and I am likely to have to pay funds for a hotel in the time while I'm waiting for the closing, and hopefully do not lose the home.
The supervisor I speak to repeatedly says he understands my position or that their behavior was not acceptable that he apologizes that this occurred, but has made XXXX genuine effort to resolve the problem. Despite the fact that he says, he's working on, it is unable to offer a suitable solution. After appeal fails, then says oh maybe I will go to the senior manager on Monday when the senior manager should have initially been the one to be involved in the situation when responses were not occurring. Overall lack of concern, and regard for the position that they have placed me in, and for the fact that they granted me permission to have one sort of loan in writing, and then pulled back. Effectively misrepresented their company, their policies and the risk they were asking me to take in order to collect money and make a sale. If you were not able to get a resolution, legal action is next.
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| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX, FIFTH THIRD BANK AND XXXX XXXX financial institutions and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that XXXX XXXX XXXX XXXX, FIFTH THIRD BANK AND XXXX XXXX " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, FIFTH THIRD BANK AND XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. The inaccuracies are very repetitive and its causing so much harm to my physical wellbeing. Fifth Third credit history is reporting incomplete payment history, data missing from XXXX and XXXX of XXXXand also incomplete data for XX/XX/XXXX thru XXXX XXXX reporting inaccurate information is harmful to my physical wellbeing and ability to live. the monthly payment is incomplete as well. this is violation of the responsibly of XXXX, as well as XXXX.
XXXX XXXX payment history is another company that has been reporting incomplete information to my consumers report. XXXX to XXXX of XXXX there's no data reported which is incomplete XXXX XXXX continues to report on an closed account which doesn't allow anything to benefit in a good aspect. even if I made a few payments it wont be reported fairly because the account is closed! this has caused extreme anxiety. there's also no closed date reported which is inaccurate because its displaying under closed accounts.
this isnt a warning or a helping hand to update or correct any and all information but a demand to delete these account asap.
Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
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| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Incorrect and Unfair Reporting of Account Dividend Solar Finance/ Third Fifth Bank Dear Sir/Madam , I am writing to formally dispute the inaccurate and unfair reporting of an account on my credit reports with XXXX and XXXX. The account in question is with Divided Solar Finance and it has not been correctly updated to reflect the payment I made on XX/XX/XXXX, which has resulted in continuous delinquent reporting on my credit report.
As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ). These laws have been enacted to protect consumers like myself from unfair and erroneous credit reporting practices. The inaccurate reporting by Divided Solar Finance and Third Fifth Bank, not only violates these laws but also damages my creditworthiness and financial standing.
Here are the specific details regarding the incorrect reporting : Account Name : Divided Solar Finance Account Number : XXXX Date of Payment : XX/XX/XXXX Late Payment Status : Incorrectly showing delinquent with XXXX late payments, open balance, over due balance I have made multiple attempts to rectify this situation by contacting Divided Solar directly and disputing the account through XXXX and XXXX. Despite their assurance that the account would be updated after 30 days, the incorrect information continues to be displayed on my credit reports.
In accordance with FCRA Section 609, I kindly request that XXXX and XXXX investigate this matter thoroughly and remove the inaccurate information from my credit reports. The basis for my dispute lies in the following grounds : Violation of FCRA Section 623 ( a ) ( 2 ) : Divided Solar Finance failed to report the payment made on XX/XX/XXXX, which has resulted in an inaccurate and misleading representation of my credit history.
Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) : The continued reporting of late payments by Divided Solar Finance is unjustified and unfair, especially considering the circumstances surrounding the late payments. I explicitly requested forgiveness for the late payment in light of the Covid-19 regulations that were implemented during the relevant period. As a consumer, I am well aware of my rights and the protections afforded to me under the Fair Credit Reporting Act ( FCRA ) and the CARES Act. The CARES Act, enacted by the federal government to provide relief to consumers during the Covid-19 pandemic, includes provisions concerning late payments and credit reporting.
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), creditors are required to provide accurate and complete information to credit reporting agencies. This statute imposes a duty on Divided Solar to report accurate and up-to-date information regarding my account. However, they have failed to fulfill this obligation, causing significant harm to my credit standing.
I kindly request that XXXX and XXXX investigate this matter within the XXXX time frame stipulated by the FCRA and provide a written response with their findings. In the event that the investigation reveals the inaccuracies in the reporting, I request that the incorrect information be promptly removed from my credit reports.
Please find enclosed copies of supporting documents, including proof of payment made to XXXX XXXX on XX/XX/XXXX and any correspondence related to the account. I believe this evidence will substantiate my claim and aid in the swift resolution of this matter.
I trust that you will handle this dispute with the utmost urgency and diligence, in accordance with the laws and regulations put in place to protect consumers. I appreciate your attention to this matter and look forward to receiving a favorable resolution.
Thank you for your prompt assistance.
Sincerely, XXXX XXXX
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| 05/19/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/XXXX my husband and I signed a contract with some XXXX XXXX to have 36 solar panels installed for our single family home. The home is occupied by myself and my husband. We have no children and no other persons living in the household. We were told initially that our electricity bill would take one to two months to adjust as our solar panels consume and store energy. However, in XXXX when we realize that it had not happened we reached out to XXXX XXXX XXXX At this time, it is XXXX of XXXX and we were told that XXXX XXXX was no longer in business and that XXXX XXXX has since taken over. We had never agreed to switch companies or signed any paperwork with XXXX XXXX.
As time went along, from the time span of XX/XX/XXXX until currently at this very moment we have had problem after problem in different aspects of this service. We were first told that some of our solar panels were not properly connected, then we were told that they were not reporting. After several months, a modem was added in XX/XX/XXXX so that the solar company could better diagnose issues regarding our solar panels and also monitor the amount of energy that the solar panels are consuming and the amount of solar energy that we are using. However, month after month we grew concerned because we are currently paying {$190.00} per month for the solar panels but we are also being stuck with an electric bill of an average of 50 to 100 and {$50.00} per month. The solar company initially expressed that they wanted to help, and sent us three reimbursement checks for the months that our solar panels were non-operational. What led me to reach out to you is the fact that, it has been almost a year and we do not feel that we are reaping any benefits from the solar panels. Despite several attempts to discontinue services with the solar company, no one has reached out to us in relation to canceling our contract. At one point I even offered that if they could reduce our bill, we would be willing to keep the solar panels if they can resolve the issues, still we had not heard anything back. This had been turned into them telling us that there were more reimbursement checks that were approved, but never signed by a supervisor and therefore never sent to us. They told us that these reimbursement checks were signed in XXXX and XXXX, but no one had approved them. I asked my electricity company to conduct an audit and they have suggested that under our specific circumstances, we really should not be having a electricity bill. I also asked XXXX XXXX to investigate, they told me that they would but that has not happened even though the request was put in 6 months ago.
With efforts to reconcile, XXXX XXXX at one point " approved '' a reimbursement check for the months that my solar system was not working, however these checks were supposedly approved back in XXXX and I still have not received one. When questioned, they tell me that an inquiry placed to an escalations manager, XXXX. It is now XXXX, and this is still not resolved. Additionally, I had the company perform endless tests and troubleshooting options, to no avail. Additionally, XXXX has completed stopped communication with me.
To make a bad situation WORSE, the representative told me that we would be eligible for a " solar credit '' when we filed our income taxes and we were to give the solar company that check of {$8000.00}. We NEVER received a solar credit. I spoke with the tax preparer who stated that we were not eligible according to the guidelines. At this time, my payments are {$190.00} per month for the next 25 years. On top of this Dividend finance is expecting me to now pay them an ADDITIONAL {$8000.00} by XX/XX/XXXX.
If they are not willing to Accept the new terms, I would like to cancel my contract and have the system removed.
If you have any recommendations on how we should continue to pay or communicate with the finance company, which is dividend finance, on behalf of the solar panels please let me know.
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| 02/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This is an updated complaint to one previously filed because things have gotten much worse for me personally, family and my business. The improper negative mortgage delinquency payment reporting by Fifth Third Bank for XXXX thru XX/XX/2018 during the loan modification process has been devastating. The big issue here is that Fifth Third Bank did not warn us nor supply us with any correspondence that we would be reported as delinquent on our credit reports if we apply for and are approved for a loan modification. Had we known our credit report would have been negatively impacted we probably would not have applied for the loan modification.
On XX/XX//18 I spoke with Fifth Third bank regarding 3 consecutive months ( XXXX, XXXX, and XXXX 2018 ) of delinquent mortgage trial payments ( related to loan modification ) that appears on the XXXX XXXX 2018 mortgage statement ( see attached for example ) and negatively reported on my credit report ( see attached ). The representative then went on to say that we are not really delinquent but the system will report these payments as delinquent because it is just the way the process works ; she then told me the reason for the delinquencies is because of the 3 month trial payments ( XXXX, XXXX, and XXXX 2018 ) related to the loan modification ( that was approved ) and there is nothing they could do to correct the credit report that impacted both me and my wife because that is the Fifth Third Process. All payments were made on time during the 3 month trial period and Fifth Third agreed that they were made on time but still reported the payments as delinquent. This has to be corrected immediately.
The reason for calling Fifth Third bank was because I applied for a business loan for my company and I was denied the loan because of the negative reporting by Fifth Third. Instead, I was offered an extremely high-interest rate cash advance loan with a rate of almost 50 %. Because of the negative reporting by Fifth Third, this has caused a hardship on me and my family and the business as well.
I told the representative that I needed my credit corrected because I was applying for a business loan and she did not care because she was following the banks policy. Then I asked her if she could give me a letter confirming that I am not delinquent so that I can show it to the lender for my business loan and she told me they can not email customers.
It is hard for me to believe that a bank/mortgage company works this way by damaging a customers credit report especially when they know the payments were made on time and now as a result I am in a hardship for my business including jeopardizing making my mortgage payments because my income from my business will drop substantially since the working capital loan was not approved.
It is unconscionable that Fifth Third did not foresee that this could impact a customers finances. I have tried everything that I could think of to get Fifth Third to fix this including asking for a letter that I can send to my lender for the business loan and they did nothing to try and remedy the situation. The damage to me personally, my family and my business have been done. I had no other choice but to file a complaint with the CFPB and I am shocked that this is their policy.
I am still having trouble getting a personal or business loan to support my family and help get my business back on track. In addition to this, I am having trouble paying my personal taxes and business taxes and I currently working with a third party tax help organization to help get the IRS to put me on an installment plan and/or to apply for assistance with the IRS Offer in Compromise program. The purpose of the loan that I was denied due to the delinquent mortgage payment reporting on my credit was to pay off the back taxes. The IRS placed a lien on my business in XXXX and I am currently working with XXXX XXXX to get the lien removed. The delinquent reporting has been devasting for my family and my business.
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| 03/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
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Web |
Servicemember |
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I was given a XXXX Card by my employer that contained the rest of my paycheck.
On XXXX of 2020 I attempted to withdraw the funds from an ATM belonging to XXXX XXXX XXXX in XXXX California. An error occurred where the money I attempted to withdraw ( {$540.00} ) was not physically withdrawn but was deducted from my XXXX Card via the ATM. I proceeded to withdraw the remainder of funds but could not withdraw the {$540.00} because, as previously stated, the ATM had deducted the funds from my account without actually dispensing the physical funds. I proceeded to contact my Financial Institution ( XXXX XXXX XXXX ) who directed me to contact XXXX XXXX to rectify the issue.
I called XXXX XXXX XXXX customer support number in XXXX of 2020 regarding the scenario ; and, in or around XXXX of 2020, I received a letter from XXXX XXXX stating that they have concluded their investigation regarding the withdrawal of funds and that the cash amounts in the ATM are balanced and that I am not owed any funds. I then proceeded to rebuttal their decision and mailed back forms to reopen the investigation on or around XXXX - XXXX of 2020.
In XXXX, My Financial Institution ( XXXX XXXX XXXX ) informed me that on they had contacted their ATM processing department on my behalf and that an adjustment was received on XX/XX/2020 from Co-Op and a charge-back was granted. The dispute was settled on XX/XX/2020. They suggested that I contact XXXX XXXX to find out why I had not yet received my funds as both their ATM processing department and the Bank itself had agreed that the ATM had an overage of funds ( due to my money not being dispensed ). To quote XXXX XXXX XXXX " We have done our part by honoring the adjustment ... His FI sent the incoming adjustment to debit us. So they should have some record of this. '' This was the correspondence from XXXX XXXX XXXX to their ATM Adjustment Specialist.
I have continuously contacted the Customer Support Line of XXXX XXXX every month since XXXX of 2020 ( the beginning of the incident ). Each and every time I contact them they begin to tell me that I need to submit a written request. They instruct me to do so via their email ( XXXX ). They then tell me to wait 3-5 business days and to call them back for an update. When I call back to get an update, they tell me that I need to submit a written request ; to which I reply that I have. They then proceed to tell me that I need to submit another one. If I stay on the line for too long, they proceed to hang up on me. This has been an endless cycle for many months. They tell me they'll escalate it and to call back, only to find out nothing has happened and that I need to send another written request. It has reached the point where every time they ask me to submit a written request, I do so and I ensure to Fax them ( Which is money out of my pocket ) all the documentation as well. They proceed to tell me to call back in a few business days only for them to tell me they can not find my Fax documents. I have Faxed them the documents multiple times. I am given promises and assurances that my issue is being taken seriously, but it is extremely clear that it is not. We are in a Global Pandemic, the money they refuse to return to me are funds I am in desperate need of. XXXX XXXX XXXX and their ATM Department are already in agreement with me ; it is XXXX XXXX who refuses to do their part and return my money. As of the time of sending this complaint, I have just gotten off the phone with XXXX XXXX. After speaking with their supervisor, their recommendation is to email them the written request again and that my issue is being escalated. I will continue to follow up with them ; however, I can already confirm my issue will not be resolved by them as they do not seem to care about my case at all.
Attached below are several correspondences as well as receipts of Faxes and dates.
My only hope is they do the right thing and return my hard earned money.
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| 07/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I have a construction loan through XXXX. The XX/XX/XXXX ( XX/XX/XXXX ) I began the process of converting it into a 30 year mortgage with 5/3 Bank. I was given a rate of 3.875 and closing costs of {$2000.00}. I was told on XX/XX/XXXX that because we had financed the home ourselves and not purchased it from someone or from a contractor that the loan would not be considered a " new purchase '' but would be considered a " refinance ''. I got very concerned and sent an email out to the lady that had been handling the loan thus far, XXXX XXXX of 5/3 Bank and asked her to let me know if this would affect my rate at all. XXXX XXXX is Vice President of 5/3 XXXX branch. On XX/XX/XXXX I received an email from XXXX XXXX stating my rate would in fact remain at 3.875. I told her to go ahead with the loan process and the appraisal. I began receiving calls from a mortgage processor, XXXX XXXX, from 5/3 Bank on XX/XX/XXXX. I received a Mortgage Pricing Agreement from her via email that same day stating the terms of the loan with a rate of 3.875 and was told that as of that day our loan had a " locked in rate '' of 3.875 and the closing costs were {$2000.00}.
I told XXXX I was getting very concerned about how long this process was taking because we had gotten the certificate of occupancy XX/XX/XXXX and had been moved in since then. We wanted to close ASAP on the loan. She said it should n't be too much longer that it was all in process and they were waiting on the appraisal.
The appraisal was done XX/XX/XXXX. XXXX told me it would be back on Monday, XX/XX/XXXX. It finally came back and I received an email from XXXX on XX/XX/XXXX telling me what it appraised at. The home appraised at {$280000.00}. We were told we could borrow 80 % of the appraised value which would put us at {$220000.00}. We were only asking for {$200000.00}. I called XXXX and told her that to finish the yard was going to cost {$6000.00} and the closing costs were {$2000.00} and I would like to add both of those into the loan making the loan total {$200000.00} even. She said it would be no problem because we had not yet reached 80 % of the appraised value. On XX/XX/XXXX I received an email titled Truth in Lending Disclosure Statement in which the details of the loan were spelled out. Again, it listed my interest rate at 3.875 but it still had the borrowed amount listed as {$200000.00}. I emailed XXXX on XX/XX/XXXX and told her to call me ASAP because I did n't want wrong numbers being plugged in to my loan paperwork to cause even further hold up in our closing process. She replied that she was out and asked if it was ok to call me on Saturday morning. XXXX called on XX/XX/XXXX to discuss the loan. She said she wanted to go over my " payment amount ''. When she quoted me what my payment was going to be I knew something was n't right. I questioned what she had my rate as. She told me that my rate had changed to 4.25 % Never once did she volunteer the information until I asked. When I asked why she said it changed when the loan was changed from a purchase to a refinance. I told her I had it in writing that it was 3.875 % as a refinance. She then said well then it is because we had a cash out amount. I told her our original loan amount was {$230000.00} and we had only hit {$200000.00} so that was not the case either. She then told me it was because the appraisal came back lower. I told her we had not even hit 80 % of our appraised value then she tells me that on certain types of refinances they can only loan 75 % of the appraised value. 75 % puts us at wanting to borrow {$210000.00} which we were n't. I told her to just forget it, that we would take the loss of the {$6000.00} and pay it out of our personal acct and we would pay the closing costs too so to go back to the original loan amt of {$200000.00} so that the terms would go back to 3.875. She said they could n't do that, that the terms had changed. What terms? We had a LOCKED IN RATE of 3.875.
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| 12/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Tax refund anticipation loan or check
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- Confusing or missing disclosures
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Web |
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- XX/XX/2023 : Salesperson from XXXX XXXX introduced himself and gave us a sales pitch, but when we questioned him and he did not know the answer, he decided to call Dividend for answers. Dividend representative came on the line ( rep had her on speaker phone from his cell ) and confirmed what the XXXX XXXX XXXX stated previously which was, if we were to pay the loan in it's entirety after installation was complete, it would only be {$25000.00}, but for now, we " need to sign the loan agreement with Dividend at {$42000.00} ''. Dividend was on the phone and agreed. Also, both XXXX XXXX XXXX XXXX and Dividend Sales rep ( on phone ) confirmed we would receive a XXXX XXXX state tax credit. Dividend confirmed once received tax credit, it could then be paid towards the loan.
- XX/XX/2023 : Received an email from Dividend Finance congratulating us that our panels were installed when panels were in fact not installed, along with an attached " Letter of Completion '' document.
- XX/XX/2023 : Spoke with a Dividend representative informing them that the installation was not complete, but Dividend insisted installation was complete because they received pictures and that they have already released payment to XXXX XXXX.
- XX/XX/2023 : Received an email from Dividend Finance stating our " financing is complete '' along with an attached " Solar Loan Guidebook '' and " Loan Statement '' documents.
- XX/XX/2023 : Spoke with a representative expressing my anger and frustration as to why my loan was activated when the solar panel installation was not completed. The representative said " you still owe the loan '' and hung up.
- XX/XX/2023 : Received email from Dividend accepting loan payments from XXXX XXXX without my authorization and when installment was not complete.
- XX/XX/2023 : Called Dividend questioning why they are accepting loan payments on my behalf. They said because panels were installed when they were not.
- XX/XX/2023 : Received email from Dividend accepting loan payments from XXXX XXXX without my authorization and when installment was not complete.
- XX/XX/2023 : Received email from Dividend accepting loan payments from XXXX XXXX without my authorization and when installment was not complete.
- XX/XX/2023 : Received email from Dividend accepting loan payments from XXXX XXXX without my authorization and when installment was not complete.
- XX/XX/2023 : Received an email from Dividend confirming Dividend has been accepting loan payments on my behalf from XXXX XXXX and due to the delay in solar panel installation, my loan is being deferred for 4 months " Proactive Loan Deferment '' until a PTO ( permission to operate ) is issued.
Why are they deferring my loan when they claimed the panels were installed?
" installation '' implies completion in a binding contract.
Installment was NOT completed. Roofs are leaking, defective materials were used and per XXXX XXXX employees that are coming forward, " Dividend was one of the " most lenient '' lenders for them ( XXXX XXXX ) ''. Dividend releasing payment to XXXX XXXX prior to permits being submitted, prior to inspections passing, XXXX being issued, prior to installment is Consumer Financial Fraud.
Dividend Finance committed Consumer Fraud and I have a very long list of consumers that have the same complaint and suffered the same damages. Consumers that also witnessed their sales rep call Dividend during the sales presentation. I also have a list of XXXX XXXX employees that have called me and come forward with information confirming Dividend and XXXX XXXX were indeed committing Consumer Fraud. XXXX page : " Victims of XXXX XXXX '' consumers are talking about the Lenders being involved in the sales pitch.
Many consumers are in low income areas and XXXX consumers where Dividend Finance and XXXX XXXX targeted together.
Dividend will benefit the tax write off and on the other end, collect from the borrower. This is Consumer Financial Fraud.
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| 02/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, my name is XXXX XXXX. So 12 months ago I was notified that my bank failed to pay my homeowners insurance company XXXX XXXX insurance and that my policy had been cancelled I then had to get a hold of XXXX XXXX get a new policy for {$1200.00} which was {$500.00} more per year than my old Policy and frankly at the time I accepted that as a mistake by the bank & accepted it as an accident although very unfair. Fast forward 11 months later to XX/XX/2023 and I called my homeowners after water damage to my home to make a claim however my homeowners insurance company XXXX XXXX informed me that I had not had homeowners insurance in 11 months to which I replied that is impossible, the bank made me submit verification of the new policy 11 months ago so how is that possible? They say the bank sent the money too late. Yet no 1 informed me at all? How come my mortgage statements show that the money was paid to XXXX XXXX? & no one from 5/3 mentioned anything to me & i had spoken with them several times this past year about other issues. However it seems 5/3 is trained to never admit their faults. So naturally no one could explain to me where my {$1200.00} went from 11 months ago or why I have not had a policy for 11 ) months I was distraught last year when I didn't have it for three days because of 5/3 but i fixed their mistake as fast as humanly possible, but at this point its no longer a mistake, it's clearly negligence. They only deflect blame when the fault is clearly theirs. Now after more than two weeks, no 1 is assisting me, or calling me back, but no 1 is telling me where my money is or where it went when this escrow account is their obligation, infact I just got a notice stating that on XX/XX/XXXX my mortgage payment is going up from {$890.00} up to {$1000.00} a month due to my taxes and insurance going up they said however upon several calls and conflicting answers I finally got the truth from 5th third bank that they failed to pay my property taxes last year ( although this clearly differs from escrow statements they have sent me saying they paid insurance & taxes on specific dates! ) so now 2 payment must be made and that's why my payment went up so they can not say that they aren't at fault here after XXXX failed payments in less than 14 months. & when property taxes arent paid it increases what is owed. Will they pay that? The 5/3rd representatives ive spoken with havent offered anything financially to remedy this, or any help resolving it. XXXX seems has provided documentation that shows 5/3rd did not do their job. This is all a result of 5/3 failing to pay repeatedly, Which when you consider that they originally failed to pay 12 months ago costing me {$500.00} more a year, then failed to pay on time for new {$1200.00} policy, they failed to pay ontime, they failed to pay my property tax & im sure there are fees associated with paying it a year late, And on top of all of that, all I know is that I have atleast 10s of thousands in damage maybe more & no one is interested in fixing the home Where my five children reside, even though 5/3 has been proven time & again that they are negligently operating my escrow account & they are not taking responsibility for their actions or lack of actions even after I have called dozens of times & reasonably pointed out the issues & negative effects their negligence has had on my home, my family, My life & our future.
I am the sole provider here And I work Monday through Friday XXXX XXXX to XXXX XXXX I've made all my payments I've done everything I was supposed to do & ive called 5/3rd dozens of times but I'm still left with no answers about my {$1200.00} or my damages all while forced to pay a higher mortgage payment that we can not afford & all due to this companies repeated mistakes. I have called & called looking for answers from attorneys & others but i am yet to find anything relevent.
Any help would be greatly appreciated.
XXXX XXXX
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| 10/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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See prior complaint. THIS IS AN XXXX XXXX ACCOUNT ( attorney account designed to hold CLIENT MONEY ). I had significant fraud in XXXX 2023. I was dealing with the bank legal and fraud departments, the local branch, and the FBI. It was a month of turmoil. The bank is a recommended bank for XXXX by the IN SUPREME COURT. They are supposed to have an IOLTA point person per their contract with the XXXX. I continually asked for this person... .never got a name and no one knows what I'm talking about. I was also told back then that real people don't monitor these accounts and c/n detect for fraud. When an IOLTA is overdrawn, notification goes to the disciplinary commission. They are only supposed to notify if the attorney causes the overdraft. It was clear here that I did not. I got a letter on XX/XX/2023 from XXXX XXXX from fifth third stating that the commission was notified but I could use the letter to show them to explain. I never got notice from the commission.
There was a fraud hold on the account. This reflected as - {$500000.00}. I went into the XXXX, XXXX branch on or about XX/XX/XXXX, and met with a banker to close the account. She indicated that the fraud hold had to be removed, and that XXXX at the XXXX XXXX, XXXX branch would need to do that and close the account. She made several calls, one to XXXX. I had also repeatedly requested the account be closed on previous occasions via email to the office of the president and others I was dealing with. I have never had such a hard time in my life simply trying to close an account. I removed the remaining funds, leaving it at a {$0.00} balance and thought the account had been closed. I had been in the XXXX branch approximately XXXX minutes. The banker that day seemed ambivalent and like she did not care.
INSTEAD TODAY, I WAS ALERTED TO AN OVERDRAFT. SURE ENOUGH, FIFTH THIRD ALLOWED ANOTHER FRAUDULENT CHECK TO GO THROUGH ON THIS ACCOUNT... AND THE ACCOUNT WAS NEVER CLOSED. To further show the incompetency of this bank, the payee is " XXXXXXXX XXXX '' and the signer is in all capital typed letters " XXXX XXXX. '' Obviously, my name is not " XXXX XXXX. '' How there isn't fraud detection for the signature line at very least is mind boggling. Further, this is the SAME PAYEE AND SIGNER as the previous fraudulent checks 5 months ago.
How is any attorney supposed to feel comfortable of have any sense of trust in this bank when this keeps happening and where there are apparently no safeguards on these special IOLTA ( trust ) accounts? These accounts are designed to hold XXXX XXXX. I am terrified to put any funds in any bank account, especially client funds. Apparently, they are lackadaisical with these accounts. Some attorneys, I presume, have hundreds of thousands of dollars in these accounts. Further, any overdraft triggers an investigation ( especially here where they have no REAL LIVE PEOPLE monitoring or cross checking and apparently have no technology to do so.
THESE BANKS SHOULD HAVE SPECIAL SAFEGUARDS IN PLACE FOR XXXX AND OTHER TRUST ACCOUNTS. This is terrifying.
I am demanding that they fix this immediately, that they NOT notify the commission because this is the fault of FIFTH THIRD. At this point, this is pure negligence on their part and at this point their behavior or lack of responsibility is so horrible, they really deserve to be held accountable ..... This continuing mess and seemingly neverending battle has caused me substantial emotional distress and worry and has taken tons of my hourly time away from my business and income. I sent an email to XXXX XXXX at fifth third and left a message for XXXX XXXX But, I need this to be fixed immediately. They are breaching their contract with the IN XXXX XXXX I also demand to know who their XXXX point person is... I need a name and number. This is required by their agreement with the IN XXXX XXXX as well. Further, they should be disallowed from having attorney trust accounts.
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| 04/08/2015 |
Yes |
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Web |
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TodayXX/XX/XXXX, I received in the XXXX mail the attached letter dated " XX/XX/XXXX '' from " Fifth Third Bank '' stating, among other false representations, " Thank you for being a valued Fifth Third Bank Customer. '' However, I am not now, and I have NEVER been, a customer of Fifth Third Bank. I have already informed them of this fact.
The letter also states : " Thank you for your recent inquiry regarding the Fifth Third Bank Checking account number XXXX and savings account number XXXX. '' My initial inquiry to this bank last year did not concern anything other than a Master card credit card allegedly issued by Fifth Third Bank which appeared on XXXX of my credit reports ( XXXX of which has since deleted it ). When I complained directly to the bank about this false reporting of a Master card credit card, the bank told me they would investigate. They then responded in XX/XX/XXXX by sending me a package full of fraudulent bank statements and a letter from " XXXX XXXX '' from the " Office of the President '' telling me they do not have my signature on any credit card or other accounts, but, the credit card is mine ( it is not ) and that statements sent are mine ( none were mine ). These false statements concerned XXXX savings accounts ( a " XXXX XXXX '' account and a " XXXX XXXX '' account ), and a " Totally Free '' checking account, none of which were mine and none of which I had ever heard of before. The XX/XX/XXXX letter suggested I contact their " DIspute '' Department. I did not do so, because I felt : I already disputed the credit card, and the result of that was a fake letter and a package full of fraud.
In XX/XX/XXXX I complained to CFPB about the fake credit card and these fraudulent statements and fake accounts. The result was that " XXXX XXXX '' from the " Office of the President '' of Fifth Third Bank responded to CFPB, and claimed that now there was a " case number '' for " XXXX savings account and XXXX checking account '' and another " case number '' for the " credit card. '' She did not mention in her XX/XX/XXXX to CFPB the other bogus savings account. Her letter also stated this matter was now going to their " Fraud '' department, and it takes up to " 60 days '' for a response. Because she did not mention the other bogus savings account, I disputed her response to CFPB, because her response raised more issues.
Yet, this letter I received today is not from the " Fraud '' Department. Instead, it is dated prior to her XXXX XXXX response, and it is from the " Dispute Resolution Department '' from a person with only a XXXX name, " XXXX. '' What is the origin of this letter? What is the purpose of this letter? To now obstruct any investigation by CFPB into the matter I already reported to CFPB? To falsely claim that I am a customer of Fifth Third Bank when I am not?
I feel like this letter has no actual legitimate purpose, and is harassment and an attempt at obstruction of justice into the fake and fraudulent statements already sent to me by " XXXX XXXX '' from the Fifth Third " Office of the President '' in XX/XX/XXXX which I already complained about to CFPB. The purpose of this current letter seems to be to misrepresent material facts and to convince CFPB to close their investigation, even though : no one has responded yet to the fake credit card situation I originally complained about, or the omitted savings account in XXXX XXXX 's XXXX XXXX response to CFPB.
Attached is the letter I received today. I also do n't why such a letter would state to any consumer the following : " Be advised that we may need to ask you for additional verifying information to process your request. '' Are they saying to consumers who believe they are victims of identity theft that an affidavit and a police complaint is not enough? Why? I now believe I am not a victim of identity theft, but that Fifth Third officials -- at the request of a 3rd party -- created bogus documents.
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| 02/17/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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My wife and I were approved for a repayment plan by our servicer Fifth Third in order to bring our loan current. The plan started on XXXX XXXX however because of the increased payment we were told by more than one Fifth Third agent that we are able to utilize the 15 day grace period in order to make the payments. The initial payment was due on XXXX/XXXX/XXXX however we were not able to make the payment until XXXX/XXXX/XXXX. Again under the assurance by Fifth Third representatives that our grace period would be honored I overnighted a cashiers check for the initial down payment which was accepted by Fifth Third and our repayment plan was activated. The next payment, due on XXXX/XXXX/XXXX, was made actually made on XXXX/XXXX/XXXX by a Fifth Third agent over the phone and again the payment was accepted without issue due to it being within the 15 day grace period. The following payment, due XXXX/XXXX/XXXX, was made on XXXX/XXXX/XXXX over the phone with a Fifth Third agent ( confirmation # XXXX ). The Fifth Third agent that processed the payment assured me that since I made the payment on XX/XX/XXXX and it is a Friday the payment would be applied to our account reflecting the XXXX. The number called in order to make the payments is directly to the team that manages the XXXX XXXX at XXXX. These agents assured me each time that the grace period is in affect for our repayment plan and confirmed more than once it is 15 days. I specifically asked the agent who took my payment on XXXX/XXXX/XXXX if the payment would register and he confirmed that it would. He also stated that when they go back and look at the payment they will see that the payment was made on XX/XX/XXXX and will not break our plan. I called on XXXX/XXXX/XXXX, since the previous day was a bank holiday, in order to make a payment and was advised that our plan was broken XX/XX/XXXX. We DID NOT receive any notice via mail or phone call that our plan was broken by our assigned representative. The agent that advised me of the break on XXXX/XXXX/XXXX stated that the plan break was computer generated and as such does not have any human involvement. Fifth Third 's website specifically states that we are assigned a representative through the entire process. This indicates to me that once our loan is current and we are no longer on any type of workout this agent is no longer assigned. I am under the assumption that this agent is also notified of any plan break within their pipeline and at that point would have the option to confirm that the payment was made. I called back XXXX times on XXXX/XXXX/XXXX for clarification on how to reactivate the plan and after being transferred 4 times and place on hold for several minutes I was told the only option is to replay. I was also advised that our loan was placed in a FC status and is awaiting a sale date, again without being notified.
I am formally request that the Cease and Desist is removed from my account and the FC is placed on HOLD because of the premature plan break and the confirmation by several Fifth Third agents that the 15 grace period applies. The previous payments were accepted under the grace period and Fifth Third can not pick and choose which payment they choose to accept under those circumstances. If it is acceptable for one payment than it is acceptable for all. We are struggling to make the additional {$1000.00} payment each month however we manage to do it. We have a young daughter that is doing well in her school and would not want to move her because of losing our home due to an oversight on Fifth Third 's behalf. We do have a VA loan and I have a VA agent assigned that has been helping us through this process. The VA rep has no issues with any type of workout that we are approved for and is on standby awaiting to hear from Fifth Third. I asked for the C & D due to harassment and being berated by collections and I would rather endure that again than lose our home.
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| 07/23/2020 |
Yes |
- Credit card or prepaid card
- Payroll card
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- Trouble using the card
- Problem with direct deposit
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Web |
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I got the XXXX paycard from my employer on XX/XX/20 and activated my card. It was my understanding the card was completely set up and ready to use. I called to see about the early direct deposit the card advertises on XX/XX/20. I was told I had to send in my ID and SSN card. I did. The following pay period, still no early direct deposit. I called again. Was told they didn't receive my documents. So I resent them. This was XX/XX/20. The following pay period, still no early direct deposit. I call again. This was XX/XX/20. They said they didn't receive them again. So I was frustrated. Wondering what was going on. I sent my documents a third time. I waited. I was too angry when I still didn't get my early direct deposit XX/XX/20 to try to speak with them calmly. I called XX/XX/20. I was told the reason they had to have me send the documents was compliance. That my account was not in compliance without those documents. What? I have been using this account since my first check ( XX/XX/20 ) was deposited on it. How have I been using an account that they KNOW is not in compliance for almost two months?!? The agent tried to tell me compliance doesn't apply to the limited account ( the only difference I was told at that time for the upgraded account was early direct deposit ). I asked how it was different. It just is was the answer I was given. I explained I knew that wasn't how compliance worked in the financial world. They had to have my name, address, date of birth, and social to even set up and activate the account. He then told me they operate outside compliance. Informed me that their compliance department notated my account that they had reached out to me XX/XX/20 in regards to only receiving my ID and not my social. Both were sent in the same document. No one from XXXX called or emailed me. I have no emails, save the one I received on XX/XX/20 from compliance. I have no missed calls or voicemails from compliance at all. So they falsely notated my account. Finally, after several attempts to be transferred to one, was transferred to a supervisor. She assured me that if I sent my social in she would have my account escalated and compliance dept. would take care of it Monday ( XX/XX/20 ). I sent my social for the fourth time. Now, I have no clue why so many hard copies of my ID and social were needed. That supervisor assured me my early direct deposit would be effective this week for my check. I got the text today at XXXX XXXX EST that my check would be deposited tomorrow on the normal day. I called to find out what was going on. The first agent I spoke with tried to tell me I had send my ID in again because it was expired. I requested a supervisor. Told her I was not doing this again. I had already sent everything. She kept insisting I send my ID again. Finally I told her I was looking at my ID and knew it wasn't expired. Then she tried to tell me I had not opted in to early direct deposit. I told her I knew that I had. She tried to insist I hadn't. I repeatedly asked for a supervisor and was ignored. Then she tried to tell me my employer sent everyone else 's checks, but held mine back is why I didn't get my early direct deposit. Finally told her I knew that was a lie and that I also knew when a supervisor is requested it is not supposed to be denied. I wanted a supervisor. She said she would transfer me and disconnected the call. Called back. Had the agent transfer me directly to a supervisor. That supervisor tried to tell me that my employer didn't send my pay in time. Kept insisting that was the reason. When I asked why that company lied so much and went over some of the lies and brought up the false documentation on my account, she hung up on me. Called back. The next representative was actually the only one to tell the truth. So this company lies consistently and apparently operates outside if required federal compliance. I think that someone should be aware of this.
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| 10/27/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I fell behind with my mortgage with XXXX XXXX due to my hours being cut. I contacted XXXX XXXXXXXX XXXX who is a non-profit agency in XXXX XXXX, MI that offers free housing counseling. I met with XXXX XXXX who is one their housing counselor. He helped me complete a lost mitigation application & hardest hit fund application. I signed all of the paperwork including XXXX XXXX XXXX third party authorization and XXXX 's third party authorization. XXXX emailed the missing documents and third party authorization to XXXXXXXXXXXX & XXXXXXXXXXXX who was point of contact on XXXX/XXXX/XXXX. He also included me on the email. He got a call from XXXX on XXXX/XXXX/XXXX asking him for proof that I had a reduction in hours. She wanted paystubs from XXXX & XXXX. The hardship affidavit stated that no proof was required if underemployment was my hardship. I was n't sure if I could get the paystubs they needed on time because XXXX needed those documents by the end of that day. XXXX told XXXX that he could send her my XXXX & XXXX tax returns. There was a reduction from XXXX to XXXX. The paystubs I included showed that I was working less than 40 hours each week. I was moved to a different plant and I am expected to work at least 50 hours each week. XXXX submitted a letter from my employer explaining my new hours along with my tax returns. XXXX called XXXX to see if we were able to get the paystubs and he told that we were n't able to. She asked to email her the tax returns & letter to XXXXXXXXXXXX & XXXXXXXXXXXX on XXXX/XXXX/XXXX. We were able to get paystubs from XXXX to XXXX the next day XXXX/XXXX/XXXX. XXXX emailed those to XXXXXXXXXXXX & XXXXXXXXXXXX. I have attached copies of all the emails sent by XXXX to XXXX. XXXX explained to me that I needed to give them a few days to review my application. I sent XXXX an email on XXXX/XXXX/XXXX to see if he had any updates. He told me that XXXX XXXX XXXX ( Hardest Hit Fund ) was still reviewing my application. However, he could not get any updates from XXXX. XXXX told XXXX that he was n't authorized to get any information on my account on XXXX/XXXX/XXXX. They stated that they could not find a third party authorization on my account. He told the representatives that he had sent the third party authorization by email and that he had gotten 2 calls from XXXX regarding my account on XXXX/XXXX/XXXX. He asked to be transferred to XXXX and the representative told XXXX that her department was already closed. He contacted XXXX again on XXXX/XXXX/XXXX and both representatives told him that there was no third party authorization. He asked to be transferred to XXXX and they told him that there were some issues when dialing her extension. They provided him with her phone XXXX ext. XXXX and told him that they would send an email to her asking to call him back. XXXX did not get a call so he called her at XXXX. She told XXXX that she did not know who he was and that she never talked to him. XXXX gave her exact dates and times of his conversation and emails from XXXX/XXXX/XXXX. She had no notes of the contact she made with him. XXXX explained to her over and over again that he had already talked to her and that he was the one that submitted my documents. She was able to find the third party authorization and told XXXX that it was n't valid because his name was not written by hand but instead if was typed. XXXX & I both signed our names by hand. He typed all the information needed to make sure everything was legible. It looks like XXXX is giving us the run around. Why would 4 different representatives state that no third party authorization is on file and why would XXXX deny the fact she has already made contact with XXXX twice by phone. The first time she called XXXX she stated that he was calling him because he was the authorized third party on my account. I am 5 days away from losing my house. We have turned in everything they have asked for in a timely manner.
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| 12/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service.
On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card.
A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address.
On XX/XX/2018 I called Fifth Third Bank @ XXXX and spoke to XXXX and XXXX, who did give me a future contact number of a dispute line XXXX and eventually with a case #.
During that call I informed them that my identity had been stolen, I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future.
They confirmed the location of billing address and the last four numbers in the contact phone number. They said they would start an investigation, though they would not provide me with any documents to assist me in my own investigation, and the investigation would take thirty to forty-five days to resolve the discrepancies. That I should be in contact with level two investigative personnel in the future.
That call was @ XXXX for 31 min. 36 sec.
On XX/XX/2018 The suspect opened a PO Box in her name and placed my name as a user in her local facility, then proceeded to go to another Post Office and re-change my address to her post office box. The Post Office did not notify me of this change to my mail delivery, which my dispute mail was then sent, opened by her giving her notification of my claim of identity theft. I believe this is how, due to the alert, that she contacted the bank and put 'Password Protection ' on the account. Thus locking me out so the bank no longer would associate with me. No correspondence was sent to the address that I provided on my initial call on XX/XX/2018.
On XX/XX/2018 I was told of the fraudulent address change by the USPS that occurred XX/XX/2018, and that is where my mail has been going.
On XX/XX/2018 I was in contact with the Postal Inspection Service, received my first case number from them.
On XX/XX/2018 I contacted Fifth Third Bank, notified them that some more foolery may have been done due to the fraudulent address change.
They told me in response to the case number I had from them, the Dispute Case was denied, the application was a pre-approved format which means the mail, and the signatures matched?
They CSR XXXX informed me that the address had been changed on XX/XX/2018, and the account was now 'Password Protected, without the password no discussion was to be had.
I requested that any video footage of the suspect in any bank be preserved for future review, the CSR had never had that request before but would note my request. I figured there was a possibility the suspect may have hand delivered the application to the bank or changed the address on me in a brick and mortar location.
On XX/XX/2018 at the XXXX Fifth Third Bank location I met with the personnel banker XXXX XXXX, explained my dilemma and showed my ID to prove my claims.
I received a copy of the preapproved application form which had a signature that did not match a sample of three signatures I presented prior to receiving the copied form. Received some additional paperwork copies, resubmitted my contact information for him to put directly into the system, and placed my own 'Password Protection ' on the account.
On XX/XX/2018 I received Post Office forwarded mail that was sent on XX/XX/2018 to the suspects address and not to the address that was provided in person at the bank.
I believe Fifth Third Bank continues to contact the suspect to circumvent my efforts to protect myself and resolve this disturbing and tremendous time-consuming issue.
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| 12/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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Last night my vehicle, a XXXX, was repossessed by the lien holder, Fifth Third Bank. This is our only family vehicle. It gets me to work and all XXXX of us to various errands and functions. As of XX/XX/XXXX, I was past due on three installments ( excluding the 10-day grace period ). That 's all fairly understandable, but ...
Fifth Third Bank has theoretically been contacting me. They have been doing this via several phone numbers from different non-Ohio area codes that did not list the business name as they came in. XXXX percent ( a guesstimate, I admit, but it was a definite majority ) of these calls came in during the day, when I 'm at work and unable to talk. Even so, I do not answer phone numbers that I do n't know or recognize the area code at least as someone I might personally know or be doing business with. I do not know people in XXXX, XXXX, or XXXX who would know my phone number and want to call me, so I did n't answer. On top of that, these numerous unrecognized calls only attempted -ATTEMPTED -to leave a voicemail twice. One " voicemail '' was one second of nothing. The other " voicemail '' was over two minutes of utter silence -no beeps or chirps or clicks, no words mumbled or clear - no sound at all. I would still not know who was trying to call me if I did n't sift through several XXXX searches after my vehicle was repossessed. This inability to communicate properly I find unacceptable on the part of a billion-dollar financial company.
Now yes, I probably should have called them, not that a depressed person with no money available to pay a bill ( who dislikes phones anyway ) really wants to speak to a foreign national with poor English whose only job is to get you to pay a bill you ca n't pay. I did actually speak with one such person once over a month ago, but was instructed to call back when someone was actually in whatever department could discuss and approve the payment plan I had offered.
On top of all of this, Fifth Third Bank never once attempted to call the cosigner on my loan ( my mother, who happened to sacrifice part of her day to drive me around today ). There is a reason to have a cosigner, yet they did not call or write her even once. ( Although they did send me a letter XX/XX/XXXX. ) At any rate. Last night while the repo company was hooking up my vehicle, I tried to call Fifth Third Bank. After two dropped calls on their part, I finally got through to another person with tolerable English in a foreign accent who eventually told me the account was now with the Repossession Department, which closed at XXXX ( it was around XXXX when the repo crew arrived, XXXX when I started calling Fifth Third Bank ), and I would have to call them back the next day ( today ).
Today, while at work, I got a call from a phone number I did not know. I googled it right away and learned it was yet another XXXX XXXX phone number. They called twice during the day, then finally called a couple of hours ago.
I 'm told that I have to find a XXXX XXXX ( a very rare sight in Ohio 's XXXX ) and pay an initial {$890.00} ( my original car payment of $ XXXX*3 - that 's reasonable ) in cash via a process through them, then call Fifth Third back and then wait another two days until my vehicle is released, after which I have to pay the repossessor their fees to actually get my vehicle back. Then there 's still {$70.00} in late fees to pay plus some other fees ( she had quoted some {$1100.00} total at one point ) PLUS $ XXXX in repossession processing fees beyond that. That is utterly insane and unacceptable highway robbery.
I despise this con game. It needs to stop, however legal it may be. I offered {$620.00} ( two months payments of {$310.00}, including late fees ), but it was not acceptable to them. Why does XXXX-dollar company need an additional hundreds of dollars on an interest-bearing loan? They DO N'T and I am outraged
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| 12/15/2021 |
Yes |
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- Trouble during payment process
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Web |
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I need to start with some background before jumping into the problem for you to get the magnitude of this issue. My mortgage was sold to a different bank from MB financial to Fifth Third Bank approx 3 years ago. During those three years, I filed for bankruptcy due do my health issues and credit debt and have been intensely working with my attorney and trustee to not miss a single payment and stay on track. I have since XX/XX/XXXX with confirmation numbers of each transaction for each mortgage payment. Also working my XXXX off to do so with everything that's going on in the world. Since I'm near the end of my XXXX XXXX, I saw I've completely paid Fifth Third Bank my past dues that they settled a certain amount approx XXXX in court XXXX. I received an escrow surplus statement saying I have a surplus in my account of {$2400.00} and I should receive in about a week, IF my payments are up to date. Excitedly I called to make sure everything was Kosher with my account. Come to find out, nothing was kosher about it. They said I was in forbearance which was not to anyone elses knowledge because I havent paid any payments. I indeed did pay but XXXX cents less. I let them know my handicapped situation and apologized for my error. They decided to audit my account to apply payments and see what I owed become on other months I paid XXXX $ more. I know now that was wrong and I now pay to the very penny the statement says my mortgage payment should be. {$920.00} and some change. The audit took two months because they haven't applied my bankruptcy payments or my regular mortgage payments. After the two months, XXXX reports back that its done and I'm two months of no payment. I said OK can you tell me which two months are showing up as unpaid and he said he could not that he could only tell me it was done and that someone would be in touch with me. This is when I started documenting everything to my bankruptcy attorney who can not get a reply from their attorney. They have been withholding my escrow surplus check in a phantom account and will not provide me any information about it. In XX/XX/XXXX they sent me a statement that had so many errors it wouldn't be possible to be like a thousands of dollars in payment and a negative bankruptcy balance. XX/XX/XXXX i received an " escrow surplus check '' of {$540.00} which was 1/4 of the original payment. I call to dispute this as well. They said there was an open case and that my account had hundreds of notes. Im concerned this is messing with my bankruptcy and my XXXX XXXX and XXXX and XXXX has dramatically increased which means more flare ups and doctors for me. I've been completely defeated by this company. They then told me that the XXXX was my escrow check because the did a re-analysis not to my knowledge and can not provide me documents on that as well. They said they took the other money to pay the " shortage '' they couldn't prove to me and allow me to check my documents and confirmation numbers. They never wanted them once actually. They have yet to show any physical paper or email document of what they did. My account has countless " unapplied '' credits from my trustee and they won't apply them until they create the full payment which is bogus because he can send diff dollar amounts each month depending on how the money flows with the trustee. I'm ready to take further action for the unnecessary distress this has had on me, my psyche and well being. My finances are in shambles right now and no one can provide any documentation of my account. i have not a clue of where my money is or how it is handled. I have over 30 phone calls some over an hour long. I also have countless messages of trying to get this situated since XX/XX/XXXX. They have actually mocked me and dismissed me virtually and on the phone and I do not want this to impact my life anymore.
Please Help.
XXXX XXXX XXXX XXXX
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| 10/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/2022 at XXXX I received a call from XXXX XXXX XXXX who claimed to be Fifth Third Bank representative, regarding fraudulent XXXX XXXX on my checking account. My caller ID showed Fifth Third with the number XXXX. I have never used XXXX and am not at all familiar with it. He knew personal information regarding my accounts and explained that someone was attempting to transfer {$1000.00}. He instructed me to log on to my account and go to XXXX and when I did, I got a text message from Fifth Third. He appeared to be going through my account along with me, was very convincing, and knew information about my accounts. After doing what he asked me to do it appeared that I sent {$1000.00} rather than reversing the charge like he claimed I was doing. He said it would take a couple hours for the transaction to reverse and he would call me back the next day. I did not feel good about the call, so I went to my local branch in XXXX XXXX, IL. I talked to Fifth Third Personal Banker XXXX, XXXX XXXX, and he informed me that I was the victim of fraud. He said that the money had already transferred, and we would have to wait until it posted to file a dispute. He also saw that the number on my phone that they called from was the Fifth Third number.
The next day, XX/XX/2022, I received another call from a XXXX XXXX with the same Fifth Third number showing on my caller ID. He said he was checking to see if the XXXX charge had reversed and trying to get me to go back in my account. He said the person that was doing the XXXX fraud had now set it up as a daily transaction. I told them I was out and would not be home by a computer until after XXXX. He said he would call back. I immediately called XXXX and he had me come back into the bank to file the dispute and see if XXXX would call back. While XXXX was filing my dispute, XXXX called back, and XXXX listened in as I had the call on speaker. When XXXX spoke up and said he was with Fifth Third and he could not find XXXX name or ID number in the directory XXXX hung up. After hearing the conversation, XXXX said these guys are good.
On XX/XX/XXXX I noticed a provisional credit of {$1000.00} posted to my account.
On XX/XX/XXXX I received a letter from Fifth Third Bank and was instructed to complete a written statement regarding the fraud. On XX/XX/XXXX I emailed the signed statement to the Fifth Third Dispute team as instructed.
On XX/XX/XXXX I received an email from Fifth Third bank warning me of potential scams related to XXXX.
On XX/XX/XXXX I noticed that the provisional credit was reversed.
On XX/XX/XXXX I called the Fifth Third Disputes Team inquiring about the reversal. I talked to XXXX. I was told that my claim was denied and they sent a letter. She told me that the money was unrecoverable. She said I was told that I was responsible for the security of my account when I opened my account. I opened the account over 20 years ago, long before XXXX. She also said Fifth Third would never call me. I mentioned that a few years ago, I was called by Fifth Third related to fraudulent activity on my credit card.
On XX/XX/XXXX I received the denial letter from Fifth Third that states they were unable to recover the disputed amount from the XXXX recipient.
My main questions/concerns are ; 1. How did the perpetrator of the fraud : a. Get my phone number and link it to my Fifth Third accounts?
b. How was the scammer able to use the Fifth Third number ( XXXX ) that showed up on my caller ID?
c. How was the perpetrator able to know personal information from my Fifth Third online accounts?
2. Why did Fifth Third send me a warning almost a month after I was defrauded? Had they sent the warning a month earlier I would not be in this predicament.
3. I now understand XXXX is a bank to bank money transfer. Fifth Third and XXXX should know where this money went, why cant it be recovered?
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| 06/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account information incorrect
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Web |
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My mortgage Lender Fifth Third Bank During the midst of the Coronavirus pandemic did not receive my XX/XX/2020 mortgage payment ( Due XX/XX/XXXX ) in a timely fashion due to USPS delivery issues. During this time of the pandemic USPS deliveries were not working on normal schedule and had many delays and other issues.
Once I received the XXXX Mortgage Payment Statement near the end of XXXX I noticed that Fifth Third Bank stated they never received my previous month 's mortgage payment and I was required to pay both. Simultaneously I received the mailed out check returned from USPS. I immediately called Fifth Third Bank and informed them that my previous months payment was just returned to me and that I would immediately mail out payment for 2 months totaling {$4100.00} via check # XXXX and apologizes profusely. I was told that I could make an " electronic payment '' which is something I have NEVER done and was not comfortable doing at the time. I subsequently mailed out USPS priority mail check # XXXX and saw that it was deposited by Fifth Third Bank on XX/XX/2020 according to my XXXX XXXX account digital copy of the cleared/deposited check. I then proceeded to call Fifth Third Bank on XX/XX/XXXX to confirm that they received the payment for both the past due balance and the current month to bring me current. The representative that assisted me stated my payment was received and I was current and that at my request were going to remove the Late Payment Charges as this was anomaly given my Payment History over the last 10 years of NEVER making a late payment OR missing a payment. At this juncture there was NEVER a mention about them reporting this late payment to the credit reporting agencies. However ALL OF A SUDDEN I received an email from XXXX whom I pay for credit monitoring telling me that due to recent missed payments my credit score which was previously approximately XXXX had dropped to XXXX. When I called to speak to an agent to discuss this atrocity I was told by the first representative that Fifth Third Banks policy is to report any late payments ( defined as 31 days or more after due date ) to Credit Agencies. When I inquired to date of receipt of my payment I was told the payment was not received until XX/XX/2020 which is NOT true as I have proof it was deposited in Fifth Third Banks account on XX/XX/2020 which means they most likely receive my check via USPS on Saturday XX/XX/2020.
Additionally when I felt that this response was not adequate I requested to speak to a Supervisor who also repeated to me the same patronizing jargon. When I reiterated to the supervisor that I cant control the quality of the USPS delivery service DURING A GLOBAL HEALTH PANDEMIC that left many Americans sick or at home as per government shelter in place regulations causing multiple delays in USPS service I was told that this is our policy so oh well there is nothing that I can do for your sir which I thought was quite unjust. All I requested is for Fifth Third Bank to remove this stain that they unjustly put on my credit report regarding this payment and of course I was told this was not possible. At this juncture I am fed up with the bureaucracy and rigidness of their policies. When I explained to the Supervisor that I will be contacting the CFPB to file a complaint at that juncture I was told that I would receive a phone call from The Office of the President later that day regarding this matter. That was on XX/XX/2020 and as of today XX/XX/2020 I have not received a phone call on the number I provided/associated with my mortgage account ( XXXX ) XXXX. I am highly disappointed in the unfair, unjust, and generally distasteful manner in which this situation was handled. I would greatly appreciate resolution that involves Fifth Third Bank removing the missed payment comment from the Credit Reporting Agencies XXXX, XXXX, and XXXX.
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| 12/09/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
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Web |
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It all started with buying a condo. It 's my first property purchase ever ; I knew I needed proper guidance and explanation, which I made clear to XXXX XXXX, my closing attorney, who was referred by my realtor. XXXX and I only had one phone conversation, the rest of the communication was done via email. I eventually received an email from him XXXX/XXXX/15 asking me when I will have my closing funds available for wiring. We replied back and forth via email and he eventually replied with a detailed email with attached wiring instructions and asked I get it done by Friday, XXXX/XXXX/15. He confirmed the wiring amount should be {$35000.00}. I did as he requested. Closing was scheduled for XXXX/XXXX/15. The realtor was the one who directed me to the closing immediately after our final walkthrough of the unit ; I had n't heard from XXXX. At the closing, XXXX explained the document figures then awaited the closing funds. Confused and astonished, I told him I followed his orders and had his email and wiring instructions handy to prove it to him. He read the documents and claimed he never sent such email. He eventually came to the conclusion his email had been hacked. Needless to say, I was shocked, frustrated and in disbelief, to say the least. I immediately ran to my bank to inquire and investigate but all my bank could tell me is the funds were no longer available and a wire reversal was therefore not possible. I asked XXXX whether his insurance would cover such a fraud, but he claimed they would n't since he did nothing wrong. All XXXX did is make clear his only interest was completing the closing procedure and did not show any concern for my tremendous loss ; he even had the indecency to call me while I was franticly at my bank, to ask whether I had other funds I could use to close. Closing never took place this day. XXXX eventually finally called me XXXX days later asking me how I plan to proceed. I made it clear to him I was very disappointed about the outcome and stressed this fraud issue is beyond my control. I insisted I trusted all communication coming from his email so therefore had no reason to be suspicious but he insisted he is not liable for anything. Once I mentioned I 'd then have to seek legal assistance in this matter, he stated I was creating an adversarial situation and then made it clear he and I can no longer communicate. XXXX or not XXXX is guilty of this fraud, it 's hard for me to believe he has no liability in this matter whatsoever. Not once did he have verbal communication with me to confirm complete, safe preparation for closing.
Since he claimed he did not send this email, I inquired as to what he DID send, otherwise I would not have known how to be prepared for closing. He claimed he sent an email XXXX/XXXX/15 ( the day right before XXXX ; closing was the immediate Monday after ) that stated specifics on what to bring to closing ; I never received this email. Upon wanting to see proof of this email, he was only able to send a PDF copy of it, claiming he deletes proof of sent, but prints them instead. This alone makes no sense. To top it all off, my email address on this particular email was ALL OF A SUDDEN incorrect. So, even if he DID send it like he claims, I would n't have received it anyway, and even if WERE accurately sent, it would 've been too late. This is unacceptable.
I 'm out {$35000.00} and am desperately trying to recover these hard-earned funds. I 've filed a police report and hired an attorney but honestly feel the CFPB should be involved in this as well. There should be a serious warning to all homebuyers to ensure this does not happen again. Upon searching online, I see this scam has been going on for years ; with that said, I would think banks, realtors and closing attorneys would be precautious. This could 've easily been prevented. Please help recover my hard-earned funds.
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| 01/06/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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XX/XX/XXXX I discovered that I was heir to a {$10000.00} bequeathment from the XXXX XXXX XXXX, XXXX XXXX, Michigan. XXXX XXXX, my cousin, passed in late XXXX. The bequeathment occurred in XX/XX/XXXX. The trustee of the estate is 5/3 Bank, XXXX XXXX, MI. I contacted my cousins lawyer, XXXX XXXX and he put me in contact with XXXX XXXX, the lawyer who worked on the bequeathment in XXXX for XXXX XXXX XXXX. XXXX XXXX is the current Managing XXXX of 5/3 Bank XXXX XXXX, MI.
In the documents XXXX XXXX, Vice President & Regional Director-Estate Settlement at Fifth Third Bank, Michigan Area, shared, attached, as proof my inheritance check was sent ( No postmark, no cancelled check, I didnt get it. ).
I questioned this evidence and asked to file an identity theft report, client complaint and was referred to 5/3 Head Legal Counsel, XXXX XXXX. She then told me to only contact her or XXXX XXXX. For sharing someone stole my money -- - {$10000.00} and simply asking for the cancelled check. To this date there is no evidence of anyone from 5/3 Bank asking me what happened except a XXXX XXXX letter dated XX/XX/XXXX ( how I wish I had one in XXXX ) from XXXX XXXX, Office of the President. No offer of a CTR or discovery of bank fraud. I am still waiting for the fraud team within Financial Crimes Compliance 5/3 Bank -- -- per XXXX XXXX, Senior Vice President, Associate General Legal Counsel of Fifth Third Bank -- XXXX, email attached. Im told, 5/3 Bank cant find the cancelled {$10000.00} check -- -too old. I say the statute of limitations began at first discovery of harm XX/XX/XXXX. We are in a digital age -- -How didnt this get digitally documented?
XXXX XXXX XXXX shared their evidence from the transactions as well, in fact that is when I was referred to XXXX XXXX ( First Legal Counsel ( see credentials elsewhere -- -Im an XXXX XXXX XXXX. ) and told to stop contacting ANYONE else but her and XXXX XXXX at 5/3 Bank XXXX. I had asked XXXX boss, XXXX XXXX, if I could file a customer complaint against XXXX XXXX because of the two memos shared by XXXX XXXX and XXXX XXXX. This was the response. I guess I need to stop doing that.
The XXXX memo XXXX shared is riddled with factual errors -- -my name is spelled wrong, my sisters name is spelled wrong and the date is wrong -- -twice. It was to XXXX XXXX. The memo XXXX XXXX shared in XXXX is cleaned up -- -- it is no longer my sister calling -- - but ME. I DID NOT make that call. All the names are correctly spelled and the date and time show a revision. This is what proves 5/3 Bank did their due diligence to obtain my address in XXXX. In XXXX, I am now dealing with legal counsel for sharing a fraud of {$10000.00} in XXXX. 5/3 Bank XXXX is my primary bank. I am a 5/3 Bank XXXX client with a savings and checking account -- -- the same account since XXXX.
Ive been trying to file a customer complaint with 5/3 Bank XXXX, MI and now Headquarters, Ohio. I finally researched the President and VP of 5/3 Bank on my own to share my customer complaint. I emailed my request for identity theft/fraud help and customer complaint to both of them. Mr. XXXX responded. I am now at the Office of the President telling me they met their obligation as trustee. How? No proof. No CTR. NO HEIR confirming receipt. I dont know who cashed their checkOr how WE know it was sent Im complaining as a customer, banking client, and victim of identity theft and fraud -- -- XXXX XXXX, and 5/3 Bank, needs to explain why the XXXX memo became the 5/3 Bank GR memo in the fall of XXXX Who cashed the check? There was a bigger fraud in XXXX I am trying to uncover. Sadly, instead, all I have received is pain and suffering from my own bank. Now, a threat of legal action.
Thank you for hearing my banking customer complaint. Please see attached documents. ALL email correspondence is available upon request.
With Kindness, XXXX XXXX XXXX XXXX
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| 05/26/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I did not originate my mortgage with Fifth Third Bank.
I have asked on numerous occasions for a way of electronic communication from the bank on anything related to my mortgage, an increase, a delayed payment, etc. I have set up a monthly payment with my bank to Fifth Third Bank, and have not missed a payment until this last XXXX.
Fifth Third Bank periodically reviews the escrow / mortgage accounts for increases or decreases in the payment amount. There is never an advanced notification of when this is going to be done and/or which quarter or month this will be completed. One year, the change occurred in XXXX ; sadly this year, the increase occurred in XXXX.
Fifth Third will not send me electronic messages like other banks. The only notification is via hard-copy mail. I did not receive my notification. My XXXX hampers me from leaving the house for weeks at a time. I have a centralized mailbox. Fifth Third is the ONLY company / bank / credit / organization who will not assist me with electronic notifications.
I received a telephone call from Fifth Third bank. There was no message. I immediately returned the phone call to the Customer Service Department. After a lengthy delay in finding out " which department '' called me, I was advised that Fifth Third was only validating my home telephone number. I explicitly asked, " Is there something wrong with my mortgage. '' I was advised by the operator that, in essence, " Nothing is wrong. " Two days later, I receive another telephone call from the bank, and again, leaving no message. I immediately called back, and was transferred to the mortgage department. I was advised that the review of my escrow account had been completed and that I was behind on my mortgage in the amount of {$33.00} and change. XXXX, I started to cry because I did not want a foreclosure and/or a late payment to affect my credit rating. I specifically asked the operator that if I made a payment today would my rating be affected. She advised that it would not. Fifth Third advertises a branch in XXXX, and I was ready to drive there to make immediate payment ; only to find that the branch has never existed, it 's just advertised incorrectly. Back to the customer support area, and I was advised by the operator ( after placing me on hold and stating that she was trying to help me ) that if I made a payment via check, even though it would not be received by XXXX XXXX, that my account would be up-to-date and no late notice would occur. As I was on the phone with the bank, I wrote the check electronically, and saw where Fifth Third cleared the check on the XXXX. I called in via the automative system to validate that " Your account is up to date and no there are no balances. Your next payment of XXX.xx is due on XXXX XXXX. " I received an electronic communication that there was a change in my credit rating on Saturday, XXXX XXXX. Fifth Third placed the " missed mortgage payment '' onto my credit report, dropping it from a XXXX score ( very good ) to a score of XXXX XXXX very bad ). At this point, I ca n't even apply for an emergency loan, credit card and/or line-of-credit for my mortgage. I am in the middle of having my car insurance and home insurance transferred to a different insurance company ; and now ca n't get any savings because of the bad credit report. Today, I called and asked to have the report removed, and the supervisor advised me that he was the only person I could speak with, that while he felt terrible, since there was not an error in banking ; the late mortgage has to remain on my credit rating. I asked that since I explicitly asked his bank operators twice if there was something " wrong '' with my mortgage, and since the operator advised me that if I paid XXXX, everything would be fine -- was that not considered a banking error. Why ca n't notices be delivered immediately and electronically
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| 02/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have been though the process of a few mortgages in my life ... I have a general idea of how things go. The experience we went though with 5/3 Bank this past XXXX XXXX was horrendous. I ca n't begin to tell you all the issues and disappointment we encountered. But what I want to focus on is something that I do n't think is ethical. It pertains around the PMI disclosure of this particular loan and how I was basically put up against a wall to either proceed with a closing with this high PMI or lose our condo.
This past XXXX XXXX my wife and I decided to buy a second condo. Our plans were to move into this condo and rent out the one we were currently living in at the time. We went over our finances and budgeted around {$2000.00} per month for an extra mortgage.
I contacted 5/3 Bank since that 's where our current mortgage was, as well as checking, savings, investment account and a prior car loan. We were connected with XXXX XXXX to help us with our mortgage. I was very specific and detailed with XXXX about the property we knew we wanted to buy, the funds we had for a down payment as well as what we needed the mortgage to be each month.
I was told by XXXX that based on the amount I had for a down payment there would likely be PMI involved, but he was not sure of the amount at the time. When I asked him around how much he said " not bad. '' I never had to have PMI on any of my previous mortgages. I figured that if condo insurance was any indicative estimate of what personal mortgage insurance could be ( since our condo insurance was fairly inexpensive ) ... maybe the PMI would be around {$100.00} or so a month.
I NEVER signed or saw anything about the PMI. It was not even brought up again at all. My wife or I never received anything that showed wha the PMI would be until 72 hours before the closing.
Our closing was delayed twice. Both issues were due to the appraisal on 5/3 's part.The sellers were very frustrated because the sale of this home was tied to the purchase of another. They threatened to go with another buyer. Our actual closing was finally set for XXXX XXXX, XXXX.
On the night of XXXX XXXX XXXX had us meet him at the 5/3 Building in downtown XXXX to sign some amended paperwork for the new closing.
My wife and I are reviewing the documents and see our monty payment is {$2500.00} including {$440.00} of PMI. We were so taken back. Over {$500.00} dollars of what we budgeted for a month and completely not what we were expecting. We told XXXX we had a {$2000.00} budget and that 's all we could do. We were now in a position - our closing was already delayed. Sellers are frustrated and already made threats ... If we decided to raise an issue about the PMI we 'd definitely delay our closing again and risk losing the condo. XXXX told us not to worry we could do an equity line or pay the funds down to remove the PMI.
We signed. Proceeded. An equity line was not going to happen. We just did n't have the credit to do it and there was no option we could figure out with the multiple 5/3 people we spoke with how we can eliminate this ridiculously high monthly PMI fee we did n't plan for. {$5300.00} a year go PMI was a hard pill to swallow.
Months passed and after much though we wound up moving a lot of our rainy day funds around to eliminate the PMI. It was just officially removed this past XXXX XXXX.
What I am specially asking for is - I want all the PMI I had to pay back. I want 5/3 to eat those funds. I am pretty sure i should have signed something more than 72 hours before the closing showing me what that PMI was going to be - and that never happened. I would love to see some documentation from that showing otherwise. They put me in a bad position where i pretty much had to suck it up and pay for their mistake or lose the condo.
The total I paid 5/3 for PMI was {$2500.00}. I want it all back.
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| 03/01/2016 |
Yes |
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Web |
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At the XXXX age of XXXX I opened a student account at Fifth Third Bank, to help start my credit. I banked with 5th3rd for many years, but I recently moved with my husband d/t his job. I did n't realize that my overdraft protection was tied to my MasterCard, so every time my acct was overdrawn it would charge me a cash advance. I also did n't realize that my Credit monitoring bill provided by 5th3rd was still charging to my account, each time overdrafting a Cash advance from my MasterCard. I have no issue with the fact I owe the money, I have issue with how my payments are applied. Here is where my misunderstanding stems, I recently got a new card that was marked as a " Professional Card '', when I questioned 5th3rd regarding this new card, they stated I had always had a professional Card. A professional card is, as explained to me, a " Business Card '', it allows those with a small business to have a card, to be used for the business ; it can also be used for personal purchases. As it is a business card, my payments are applied in a very specific manner, over which I have no control. I have tried multiple times to explain that I did not request a " business card '', why would I, I was just a XXXX XXXX year old in her first year at college, I just opened a student account, how does that translate to a " business card ''. Anyhow, I am pregnant, and I need to understand my finances better, and get my XXXX debt paid off etc. Currently my husband is located in XXXX working for XXXX for two years, then we return to the USA, unfortunately I have not been able to work in XXXX, so we are living on one income. We have steadily been paying the card down, and I made a lump payment when my husband got his bonus, this is a big deal for us, as we are paying with XXXX money so we lose a significant amount when it is transferred d/t exchange rates, the payment was for {$2700.00}. I wanted to specify how the payment was allocated to ensure the Current Cash was completely paid off, as when I reviewed my bill I saw that the " Current Cash '' just keeps going up each month. When I make a payment it only applies only to Purchase Charges, nothing is applied to Current Cash, so that balance is goes up unimpeded, as I pay down the Purchase charges, I no longer use the card for any reason. Current Cash is now several hundred dollars, as they keep applying finance charges, but never apply any of my payment to Current Cash. If I could pay off the Current Cash I could then really make some head way on my account. So I made a large payment {$2700.00}, I called and requested that the Current Cash be paid off entirely so I could stop getting the finance charge, as I am unable to pay directly for Current Cash only, per the bank I have a Professional Card ( Business ), which allows them to apply payment however they chose, and they chose to apply to the higher balance, again never putting any money towards Current Cash. I feel so defeated, I am trying to do the right thing, pay off my debt, but am slowly going in debt more, because they never apply any of the payment to Current Cash. I just want to be able to pay off this account, hard when I am 9 month pregnant and no job, and living on only XXXX income, but I have every intention of doing so. I just feel I am being taken advantage of with the way they processing my payment, not to mention why would 5th3rd give an XXXX year old a " business '' MasterCard. I know why, to charge me more. I feel this is dishonest. If I make a large payment, above minimal, I should be able to specify how it is allocated, especially since 5th3rd applies not one cent towards Current Cash, and while it may not be illegal, it 's not right, and definitely taking advantage of a XXXX teenager, who did n't know any better. I think this is a dishonest practice, and I wanted to notify those who may be able to do something.
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| 07/19/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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On XX/XX/2018 I used my debit card as a credit card for a {$100.00} over the phone charge from XXXX. There was an ongoing charge on XX/XX/2018 for {$340.00}.
On XX/XX/2018 at XXXXXXXX XXXX, via e-mail to XXXX XXXX ( XXXX ), I asked for a full refund.
On XX/XX/18 @ XXXXXXXX XXXX, I called XXXX XXXX, spoke with XXXX. He processed at ticket for a full refund under their 45 day full refund policy.
On XX/XX/2018 at XXXXXXXX XXXX, I e-mailed ( XXXX ) for someone to contact me for I did not hear back from anyone.
On XX/XX/2018 @ XXXXXXXX XXXX, I telephoned XXXX, spoke with XXXX. She assures me my refund is in.
I called my bank, Fifth Third ( 5/3 ), on XX/XX/2018 and submitted a dispute. Case # : XXXX. 53 issued me a temporary credit for the charges.
On XX/XX/2018 @ XXXXXXXX XXXX I telephoned XXXX, spoke with XXXX XXXX. He creates another ticket to process my cancellation.
Fifth Third sends me a letter dated XX/XX/2018 denying my dispute because - " the merchant in question has verified that the charge is valid. '' They proceed to charge back my checking account the amounts above.
I called the dispute department. They would not let me speak with their investigator. They did say that I could submit supporting data to prove my dispute and they would re-open the case.
I sent in the data that not only proves my case but de facto proves that the merchant did - NOT - send my bank all of the e-mails that were sent by their firm that - confirmed - that I canceled my account during the 45 day full refund guarantee.
53 said they would have an answer in 3-4 weeks. They would notify me in writing.
They did not!!
I called 53, that answer was another decline. However, they said that if I send in an item by item, time stamped explanation, they would re-open the case, again. My response was ; " I already have done that. '' She, XXXX, said that was my only option.
I did that for the second time with a cover letter describing everything especially the e-mails that they failed to send to my bank. Allow me to write that again : Especially the e-mails that XXXX deliberately omitted in their so-called verification that the charges were correct.
When I called 53 for the umpteenth time on XX/XX/XXXX ( their answer date ), my dispute was denied again.
Bottom line 53 never reviewed this case. They were presented with factual e-mails from XXXX 's reps substantiating my position which de facto and 100 % refuted their clam that they had " No Confirmation of Cancellation ''.
53 was presented those facts three times.
To add insult to injury, XXXX3 said they would be sending their findings in the mail. Other than their XX/XX/2018 letter, they have sent nothing.
The insult, they are really calling me a liar when they were presented the facts that XXXX deliberately omitted in their substantiation of their case because - they had no case.
The injury, about three weeks ago, 53 closed my checking account and saving account, took all my money, charged off the negative balance, disrupted the automatic deposits that were employed and now I have a - MARK - against me in the banking industry.
Oh yes, they never, never communicated one word to me other than their initial denial letter dated XX/XX/2018.
Bottom line, I have been wronged and wronged big time since Fifth Third charged back my account. The person addressing my issue should know that I have all the written proof available that Fifth Third did - not - read or process since day one.
One more thing, I initiated the dispute initially by phone and responded to 53 's written requests. 53 reaches out to the merchant. They submit only part of our communications with me and omit all the incriminating e-mails. Then, 53 denies my dispute without allowing me to respond to XXXX 's false and omitted data.
That is just mind boggling.
This is the short version.
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| 05/14/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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I deposited a check for {$3000.00}, taking back {$100.00} in cash for a total deposit of {$2900.00} at approximately XXXX XXXX I was told that a hold was being placed on the funds to allow the check to clear. This transaction took place at the XXXX Banking XXXX. I asked if the hold could be waived, since the account was not overdrawn and I had a history of depositing checks from the same payor, XXXX XXXX. I was told this could only be done by the Branch Manager at the XXXX XXXX Banking Center, since that was where the account was opened.
I made several attempts to contact the Branch Manager at the XXXX XXXX Banking Center over the next XXXX business days but was told each time that she was either " with a customer '' or " unavailable '' I did manage to speak with her once, on XXXX/XXXX/2015. At that time, I was told the check had cleared and she would " see what she could do, '' after first telling me that only the Branch Manager at the XXXX Banking Center could lift the hold, and I noted the direct contradiction I was given between the XXXX branches.
I then made several more attempts to speak with XXXX, but was again, told each time that she was unavailable, but she would return my call. I am still waiting for the call from XXXX.
At that point, I noted in social media that XXXX XXXX had treated me dishonestly and rudely.
I received a call from a person claiming to be manager of social media for the bank, on the evening of XXXX/XXXX/2015. She told me that the hold on the check could only be lifted by the manager of the XXXX Banking Center. I noted that the managers of both the XXXX and the XXXX XXXX locations had claimed that only the other had the authority to lift the hold, ultimately admitting to me that the Branch Manager at XXXX XXXX was the correct party to release my funds. The social media person then told me that " if I could prove the check had cleared, then the bank would release the funds. All of this took place after being told that that the bank 's policy was to hold checks from 2-5 days to clear. When I pointed out the policy was XXXX that appeared to be selectively enforced, it was then she told me she would release the funds if I could prove the check had cleared.
I suggested then that she probably had that information right in front of her. Her response was that the funds would not be released due to the banks 's XXXX hold policy. I pointed out to her that the Uniform Commercial Code provided that once the bank had actual knowledge the check had been presented and paid, I was legally entitled to the funds, and the bank was NOT legally holding the funds. She said it did n't matter that she could probably see on the computer in front of her that the check had cleared. Her response was that I had to prove the check had cleared, and the bank would not lift the hold the bank unless I could prove the check had cleared. I told her again that I knew as well as she did that the check had cleared, since it written by XXXX XXXX, a company that was both exceedingly well financed and I knew they processed all of their checks the day they were presented through their bank. She again told me that I had to prove the check had cleared.
In summation, I believe that both the social media manager and the branch manager of the XXXX XXXX Banking Center did in fact know the check had cleared and that I was legally entitled to the funds. The bank 's personnel engaged in evasive tactics by putting the burden of proving I was entitled to the funds, which is not what the Illinois XXXX XXXX XXXX provides and also by deliberately avoiding speaking to me.
In addition, on at least XXXX separate occasions, personnel at the bank hung up on me after claiming that I was not being responsive so they " were terminating the call. " They lied. They lied multiple times and they ducked me like little XXXX
|
| 03/22/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Re Fifth Third Bank of XXXX, XXXX ( and corporate office in Ohio XXXX XXXX of my XXXX credit reports falsely reported I had a credit card account at Fifth Third Bank ; I never had any account at that bank. XXXX of the credit reports deleted it after I disputed it ; the other one would not delete it.
When I tried to resolve this issue with the bank, I was shocked they told me yes, I am in their computer as I have had a credit card with them for three months. I asked them : " Do you issue credit cards from your bank to unemployed people? Because I was unemployed on such dates so how would I get a credit card from your bank? '' They said no, they do n't issue credit cards to unemployed people, so they will investigate. Then they sent me a letter and a package full of fraud.
The letter attached dated XXXX XXXX, XXXX falsely claims I had : a ) a credit card from XXXX XXXX to XXXX XXXX, and b ) a savings account those same dates ; and c ) falsely claims a checking account from XXXX XXXX to XXXX XXXX, originally opened at " XXXX XXXX XXXX XXXX XXXX '' later acquired by Fifth Third.
I have never even heard of that bank, and I do not keep my money in banks, but in credit unions. So all this information in their letter to me is false. The letter goes on to state : " the Bank does NOT have the signed application on file for the credit card account or the signature cards for the checking and savings account. '' Well, if you do n't have my signature on ANY of these accounts, and I am telling you I never had any of these accounts, then : you do not have any such accounts for me. ( But, XXXX credit reporting agency " accepts '' that nothing with my signature on file at a bank somehow evidences a credit card account, and so keeps reporting falsely I had a XXXX XXXX credit card. ) To my shock, the package this letter came in had a stack of documents allegedly from these non-existent accounts. According to these statements I have never seen before, I had a " XXXX XXXX '' account, a " Money Markey '' account, a " XXXX '' and a " XXXX '' account. I have never heard of any of these accounts.
XXXX of the pages sent to me were " Intentionally Left Blank. '' Other pages were bank rules. On the bogus statement pages it appears someone lifted some charges from a credit union credit card account I had, and then, added some new charges not actually relating to me at all. These bizarro charges include the following : 1 ) " XXXX '' - Is someone claiming I filed an application to a university in XXXX? Because I do n't recall doing that.
2 ) " XXXX '' - What is this? A {$100.00} charge for something international? What?
3 ) " XXXX '' - What is this {$310.00} amount for this XXXX in XXXX, XXXX founded by XXXX? I do not know.
4 ) What are all these online transfers?
5 ) Where is " XXXX XXXX '' location as a Banking Center?
And more fraud. I have attached the letter and highlighted the above examples of bizarro charges.
The letter ends by saying I should now contact the Bank 's " Dispute Department. '' Why? I already told the Bank I never had any accounts with them. I already told them having my name in their computer is fraud as I never had any accounts with them. They already admitted they do not even have my signature on file for any of this fraud. And half the pages they sent to me in this package are " intentionally left blank. '' It seems to me like someone is trying hard to set me up to falsely accuse me of some type of crime, and these fake documents from Fifth Third Bank will somehow be used as evidence against me in a bogus criminal complaint alleging I do not know what.
My mother had several accounts at Fifth Third. I did not. My mom has often wondered what happened to {$20000.00} she was supposed to receive from a lawsuit settlement on XXXX XXXX as they claim it was deposited into : Fifth Third.
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| 01/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of XXXX, I inquired with Fifth Third Bank, the new holder of my loan, about an appraisal to remove the PMI from the mortgage I started on XX/XX/XXXX for a 3-unit building I bought for {$520000.00}. I have made approximately {$150000.00} in substantial improvements to the building since buying it. I had put 5 % down on the mortgage so that I could use the rest of my money to make these improvements to increase building value and rents. I was told at closing that once I had increased the value to 20 % of the purchase price, my PMI would be removed.
I received a letter in the mail shortly afterward, telling me to fill out a form detailing the improvements I had made, and to fax it to the company. I immediately filled out the form and faxed it back. About two weeks after that, I called the company to see if the form had gone through, since I had not heard from the appraiser to schedule the appraisal. They assured me that the case had been opened, and that I should wait a few more weeks.
I waited two weeks, and then sent a message through 5/3 's online portal on XX/XX/XXXX, which is attached. XXXX ( or XXXX ) XXXX called me back and told me it would take her a few days to check with the escrow department, as apparently the department " did not have a phone number. '' I waited a couple of days for her to call me back, when she informed me that the office had " lost '' my request.
She sent me a letter ( attached ) on XX/XX/XXXX telling me that I could send the form again by mail, fax, or online, and the PMI would be removed if the appraisal reduced the LTV to 75 %. I decided to do it online, but found no way to do so, so I sent the message on XX/XX/XXXX, also attached, detailing the same information. XXXX called me again, saying that I had to mail or fax the form that she would send me in the mail. I waited for the new form to arrive, filled it out yet again, and faxed it the exact same way I had faxed the previous one. On XX/XX/XXXX, I received another, error-riddled letter ( attached ) saying that since this was an investment property, I needed to reduce the LTV to 65 %. I have been clear from the beginning that although this property contains rental units, it is my primary residence and has been since the purchase date. This letter seemed to assume that I could not have lowered the LTV that much and essentially dismissed my request, telling me to send a new one at a later date, even after 4 months of correspondence to the contrary.
I tried numerous times to reach XXXX again by phone, but my calls all went to voicemail and were not returned. I left several messages stating that I still wanted to get my building appraised to remove the PMI. I also started looking into alternative ways to remove the PMI, like refinancing the loan. On XX/XX/XXXX, I managed to reach another person in the Vice President 's office, whose name I don't remember, who told me that XXXX was the only person who could help me ( as my case was assigned to her ), but that she had left the office early. That night, I finally sent another ( attached ) message detailing the reasons the letter was incorrect and requesting them to contact me with the correct information, as I had received incorrect information throughout this process. I did not receive a response beyond the vague promise of yet another letter.
After waiting for a response, I went forward with the refinance and closed on my new mortgage on XX/XX/XXXX. The PMI was nearly $ 300/month and I did not want to get jerked around any longer by 5/3 's greed and incompetence. Since my request, this correspondence has lasted 5 months, costing me {$1400.00} in unnecessary PMI and {$2300.00} in mortgage origination costs when 5/3 stopped communicating with me.
My building was appraised at {$710000.00} by the new servicer, making my new LTV approximately 57 %.
|
| 06/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX Florida XXXX RE : FRAUD RE : EXTORTION RE : BLACKMAIL RE : RACKETEERING RE : FCRA VIOLATIONS RE : LIBEL DEFAMATION RE : PRIVACY ACT VIOLATIONS RE : AGGRAVATED IDENTITY THEFT RE : GRAMM LEACH BLILEY VIOLATIONS RE : XXXX XXXX XXXX AND FIFTH THIRD XXXX XXXX Protected Consumer to XXXX AND THEIR CODEFENDANTS/CLIENTS/CUSTOMERS/VENDORS/ SOURCE. I am a natural person who is at all times relevant. Your agency has sent me 3 copies of bank statements from both XXXX and FIFTH THIRD which is not what I requested. I am aware My nonpublic personal information should never be disclosed without my lawful consent to ANY NON-AFFILIATE THIRD PARTY. My personal transactions and experiences shall never be communicated with any NON-AFFILIATED THIRD PARTY. I never received ANY CLEAR and CONSPICOUSLY disclosures that I would be violated in this manner. I was never given the proper information to OPT OUT OF HAVING MY INFORMATION SHARED GRAMM LEACH BLILEY ACT of 1999 ( 15 U.S. Code 6821 - Privacy protection for customer information of financial institutions ) XXXX AND THEIR CODEFENDANTS/CUSTOMERS/CLIENTS/VENDORS/SOURCE does not have my Lawful Consent, Authority NOR Power of Attorney to sell, report, share, transfer, compile NOR store my personal information, my financial information, and DOES NOT HAVE the right to speak for me on my behalf. HOW CAN SOMEONE WHO CAN NOT SPEAK, SPEAK FOR ME? XXXX AND CODEFENDANTS/CLIENTS HAVE NO VOICE AS MINORS/CORPORATIONS.
XXXX nor their CODEFENDANTS/ CUSTOMERS/ CLIENTS/ VENDORS/ SOURCE have my LAWFUL AUTHORITY NOR CONSENT to transfer, possesses, or use any of my personal identifiers, my financial information, my professional, my health information for any reason at all 18 U.S. Code 1028A - Aggravated identity theft ( C ) ( 4 ) ( 5 ) ( 8 ) section 523 of GRAMM LEACH BLILEY ACT ( 15 USC 6823 ) ( relating to obtaining customer information by false pretenses ) I have reason to believe the above mentioned CORPORATIONS willingly and knowingly are on a mission to conspire to injure, oppress, threaten and, intimidate me 18 U.S. Code 241 - Conspiracy against rights and They shall be fined under this title or imprisoned not more than ten years, or both. I have reason to believe the above mentioned CORPORATIONS are trying to force me to pay an alleged debt by furnishing unlawful information as a threat to force me to do as they please 18 U.S. Code 873 - Blackmail and they shall be fined under this title or imprisoned not more than one year, or both. I have reason to believe XXXX has ill intentions to purposely harm my reputation as a means to coerce me into paying monies to their SOURCE 18 U.S. Code 875 - Interstate communications ( D ) they shall be fined under this title or imprisoned not more than two years, or both. I have reason to believe the above mentioned CORPORATIONS are operating in systematic extortion on a regular basis this has also been called EXTORTION RACKETEERING ( XXXX ). I have reason to believe the above mentioned CORPORATIONS are involved in ORGANIZED SOPHISTICATED ILLEGAL CRIMINAL ACTIVITY in an effort to cause harm to me, intimidate me, cause duress, and force me to do something out of my own free will. I have reason to believe the above mention CORPORATIONS feel I am a vulnerable target with insufficient social control. EXTORTION RACKETEERING ( XXXX ) forces victims to act under duress in exchange for PEACE and SAFETY. I am requesting XXXX AND THEIR CODEFENDANTS/ CLIENTS/ CUSTOMERS/ VENDORS/ SOURCE stop willfully and knowingly purposely trying to ruin my financial well-being. DELETE all account information, all personal information, and all financial information from their system as soon as possible. This is my final attempt to handle this matter privately.
|
| 06/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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My mortgage was sold to Fifth Third Bank in XX/XX/XXXX. In XX/XX/XXXX I received a statement in the mail stating that my monthly mortgage payment was increasing {$660.00} per month with no explanation. In looking in the details of my statement, I saw there was a difference in the escrow fees that were being withdrawn. I contacted Fifth Third Bank and they explained that the bank had not withheld enough funds to cover the property taxes on my account for XX/XX/XXXX. I asked for the evidence in which the bank was making this decision and they said they would mail the information to me in the form of an escrow analysis. I requested that Fifth Third Bank stop charging me for escrow stating that I would pay my property taxes and insurance directly to the county and insurance company respectively. Fifth Third Bank stated they could not stop charging me escrow while there was an outstanding balance on my account. During this time, I was still paying the same mortgage amount I was paying previously while we worked out the escrow discrepancy. In early XXXX I began receiving collection calls from Fifth Third Bank stating my account was delinquent. I stated that my mortgage payments were being made in a timely manner automatically from my banking account. Fifth Third Bank agreed that they were receiving funds, but could not apply them to the principal and interest since there was a debit outstanding on my account for the escrow funds that were in dispute. I still had not received the information detailing why there was a deficit. I put in another request for the escrow assessment. Fifth Third Bank repeated they could not apply the funds I was submitting because their " system '' was not equipped to process " partial '' payments. I then took it on my own to contact my county tax department and insurance company to verify what was paid. Once verified, I went ahead and paid the deficit escrow balance to XXXX to Fifth Third Bank. I also repeated the request, both verbally and in writing, that Fifth Third Bank stop charging me for escrow and that I would pay the property taxes and insurance directly to the county and the insurance company. My XXXX statement was reflecting an escrow line item. I thought the issue had been resolved in XXXX when I paid the balance due and re-requested that escrow stop being charged. Further, Fifth Third Bank credited my account for late fees that were charged and sent me a letter to the same effect. Then, I received my XXXX statement in the mail reflecting an escrow charge. On XXXX XXXX, I finally received the escrow analysis the bank conducted that verified what I found out on my own. Now I am now furious because I then received a Mortgage Delinquent [ XXXX ] Notice on XXXX XXXX stating that Fifth Third Bank received my mortgage payment, but do not know how to apply the funds due to the outstanding escrow balance. This notice prompted me to write a letter detailing the same history of the account I am referencing here. I just hung up with the Fifth Third Bank Collections department and escrow department that are stating that my mortgage payment is now 33 days late and they will begin reporting me to the credit bureaus. I am not certain where else to turn besides legal or arbitration at this point. My mortgage payment has never been late. The payment arrives at Fifth Third Bank by the XXXX or the XXXX of every month and I have an audit trail of bank statements to prove so. What can I do to get Fifth Third Bank to stop charging me escrow, apply my mortgage payments to the principal and interest on my mortgage, and get them to correct that I have never paid late to the credit reporting bureaus ( I have not seen a late payment on my credit reports yet, the bank is saying they will report me ), and refund any additional late fees they may be assessing? Please help.
|
| 03/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
In XX/XX/XXXX I received an annual escrow statement for a home mortgage from Fifth Third Bank. The statement indicated that there was an escrow shortage of {$2300.00}. Although there were some changes to the homeowners insurance and county property taxes, that totaled about {$500.00} - Not even close to the shortage indicated.
The starting balance on the projection was < $ XXXX> ( that's negative {$1500.00} ). There was nothing showing where that figure emanated or how it was calculated. I called the mortgage department and asked for an explanation. I specifically asked for a written document showing exactly how that figure was calculated. I went through multiple people at multiple levels and no one could, or would, provide the documentation that I requested.
In order not to incur any late fees I increased my payment to cover the new amount while the issue was being rectified.
Several months went by. There were a few discussions and many unanswered voicemails. No one could answer where the figure came from and ultimately, in XXXX, refused to escalate the issue.
On XX/XX/XXXX, I submitted a complaint letter through the bank e-mail system. On XX/XX/XXXX, I received a call from XXXX who identified herself as a resolution specialist ( XXXX ). She was unable to explain where the projection came from. Once again I asked for a written detailed explanation of how the escrow was calculated. I also requested that a more senior person call me back.
On XX/XX/XXXX, XXXX called again, not a more senior person. She acknowledged that there was an error in the calculation and a new escrow analysis would be provided. Again, I insisted on getting a written copy of the actual original calculations, and now also the corrected calculations.
I received a revise escrow analysis dated XX/XX/XXXX which showed the total shortage as {$210.00} - quite different from the original {$2300.00}.
On XX/XX/XXXX, XXXX called and attempted to explain what had happened. It was Not at all understandable. She told me that they would not provide the written calculations that I had been requesting from the beginning.
On XX/XX/XXXX, I received a call from XXXX XXXX, support manager ( XXXX ). Once again I asked for a written copy of the calculations, both the initial ones and the re-calculated ones. She indicated that she was unable to figure it out but would escalate it. I asked to speak to her supervisor but she refused to transfer the call.
I also indicated that the account needed to be re-calculated back to XXXX with the revised escrow calculations properly applying the additional payments to principal and not to escrow.
On XXXX and XX/XX/XXXX I left messages for Ms. XXXX but did not receive a return call. On XX/XX/XXXX ( today ) I finally received a call from her. She once again refused to provide the documentation that I had requested multiple times, making excuses that she was not permitted to do so. She tried to recalculate the payments but without the figures in front of me, it was impossible to understand what she was doing.
If a computer can calculate an escrow statement, someone with basic computer spreadsheet skills should be able to provide a spreadsheet showing the calculations that were made. I would expect that anyone working at a financial institution should have far more than basic computer spreadsheet skills and therefore should be able to recreate the escrow analysis with the actual figures that were used. The fact that Ms. XXXX and multiple others with whom I spoke could not or would not provide that information is a strong indication that they are hiding something or they are not competent to provide it. Their refusal to provide what should be a vary basic spreadsheet tells me that they have absolutely no credibility and any and all escrow calculations they make are suspect.
|
| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
Mortgage was sold as of XX/XX/XXXX from XXXX Mortgage to Fifth-Third Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Mortgage payments were to be auto paid and set up for direct payment on the first of each month. In XXXX I paid for 2 months advance payment because I was told that Auto billpayer could take over 60 days to be set up. In XXXX the mortgage amount was deducted ( though I had advance paid it ) and I called and asked for this to be carried forward to XX/XX/XXXX payment. In XXXX, I received a notification that my mortgage amount would be increased to cover an arrearage in the escrow, which increased my mortgage payment by almost XXXX XXXX additional a month. I asked for them to explain how the arrearage happened in the escrow since it was sold to them just a short time ago -- and my previous mortgage holder had not mentioned any shortage. They had a hard time telling me where this additional XXXX XXXX a year was increased from -- -until I asked for all my old documents to be compared to the new documents and they realized my property tax was the increase. I asked for a new amortization because I had been paying additional amounts towards principle to close the loan even faster than the 15 year term.
Fifth third assured me in XXXX that my Auto-bill would be increased to cover the additional payment from XXXX $ to XXXX $ a month to cover the increase in the mortgage and escrow account. In XXXX, I saw the auto draft for XXXX XXXX and received a letter from them stating that the amount was short and therefore was not applied to my mortgage and a " nasty gram '' about how my mortgage would be delinquent and how this was a " serious matter ''. I called their customer service and lodged a complaint that this should have been handled in XXXX when I spoke to customer service about the need to increase the mortgage payment to cover the arrearage. And when I was assured by the service representative that my auto bill amount would be increased to cover this change and the new payment amount would be XXXX. To resolve the payment issue I paid Fifth Third the additional XXXX so that they would agree to apply the amount toward my mortgage and not show a " late fee '' on my credit score.
It is now XX/XX/XXXX. On XX/XX/XXXX my bank account was debited XXXX XXXX once again from Fifth Third bank ( which they assured me now twice would be changed to be XXXX ) Today on XX/XX/XXXX they auto billed again this time for the amount of XXXX -- so they once again double charged me in the same month for the same mortgage payment. I once again called customer service and they once again assured me that moving forward I would only have one debit coming out for the amount on XXXX. However, they have now put this account into an arrearage -- -- and they refused to contact the bank and inform them that this was their fault -- -and to wave the overdraft fee. They said I would need to call my bank -- but honestly -- -I am going to tell my bank that another bank made an error -- -and they are supposed to just take my word??
So now Fifth third has cost me actual money due to their neglectful and nasty business practices. I feel that they are purposefully creating a situation where my mortgage is going to be defaulted because they can not be trusted to follow through on their own service promises. They have owned my mortgage for only 5 months -- and every month have put me into a situation where I am scrambling to ensure that this payment is appropriately credited and applied. I should not have to chase my mortgage company into doing the right thing for a customer. Again -- the reason I have this set up through auto bill is to ENSURE that payments are always in full and on time.
I would like fifth-third to be investigated to see how many other homeowners are experiencing these terrible practices.
|
| 09/07/2015 |
Yes |
- Money transfers
- International money transfer
|
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|
Web |
Older American |
|
Wed XXXX/XXXX/15 my husband and I ( seniors XXXX were defrauded/scammed out of {$3600.00} + {$73.00} fee. We now understand that we are victims of what has been defined as " grandparents fraud/ scam '' /family emergency fraud '' I will attach the exact occurrence in detail to this complaint. Below, I will focus on the transaction details and the Immediate Actions we took as soon as we discovered what was done to us! Unfortunately the fraud included an Imposter Grandson, who was in the XXXX XXXX XXXX Jail, an Attorney, Judge, & XXXX business man. We were led to believe that we were following a court order in order that our Grandson be released and processed for release from jail. Only to later discover that we were tricked into this transaction through this horrible fraud/scam. Police report was filed & fraud report XXXX : I arrived at Fifth Third Bank, XXXX Ohio : Neither my husband nor I ever transferred any money through XXXX, absolutely did not know at all what exactly this involved? I asked a person entitled " Personal Banker '' to " please help me " I have to send/transfer {$3600.00} through XXXX, but I do n't know how to do it? He said that " he had n't done it either, but would be more than happy to help '' He grabbed a pen and together filled it out. I did n't have any idea what the options meant that were on the form and XXXX he did n't know and did not explain. E.g. " money in minutes '' " Test question '' " transfer to a bank account '' IF ONLY we were made aware of each step with clear and conspicuous disclosures provided, the potential tragic consequence of this kind of transaction would not have taken place. Later we discovered that this is an electronic money transfer. He handed the form to a tellerXXXX After a while XXXX called over XXXX behind the counter to look at the computer screen and they looked at each other and then stated to me that " it came up as a hold '' I asked " what does that mean? '' Both XXXX stated that " they did not know! they have never seen that before! '' I again asked '' Can you explain, can you find out? '' XXXX stated " well it may be that the hold is because of the dollar amount? ", I asked " What do you mean? '' XXXX said, you know I do n't know, I have n't seen this ''. After a while, XXXX said that I should call XXXX and talk with them. I did, finally a person came on the phone to " verify me '' .I could not understand them well because the English was not articulate and I did n't know what was going on with all this and when I again asked XXXX, he stated that he did not have any idea? '' XXXX said that the transaction was finished and XXXX handed me a receipt without any meaningful disclosure about the receipt. He did give me a receipt # but No explanation of the transfer and process before, during or after. No explanation of what a " hold '' meant and in retrospect, when I sincerely reached out, that would have been an opportunity for the Bank to provide us with a concise elucidation of this kind of transaction and its consequences. We reached out to our Bank personnel, whom I believe had a duty to be knowledgeable. IF ONLY we were provided with ETF disclosures by the Bank at any point before, during and after the transaction that would have protected our asset! Actions we took ASAP after our discovery : Called 5/3Bank ( could not get a hold of the XXXX branch XXXX XXXX so called the XXXX # to put a Stop Payment on the check, was told that had to be done at the branch and that the " fund transfer '' was " pending '' it had n't been processed and wo n't be until during the night but that I could go to the branch and they could stop this electronic fund transfer. '' But by then it was after XXXX. Was told to call XXXX, found out that the money was " picked '' up. The bank said that it was still pending and put a stop payment.
|
| 09/17/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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I ran into some financial issues and contacted Fifth Third Bank in XXXX 2016 after speaking with an attorney when I realized that a short sale may be my only valid option. Because of my relocation overseas, I worked with a law firm that was stateside to contact the bank and stay on top of the items needed regarding the short sale request. From XXXX 2016 until the beginning of XXXX 2016 the process seemed to be moving along. Then everything stopped. The firm I was working with requested the file to be elevated as the representative we were assigned had stopped responding to calls, emails and faxes and everything slid downhill. I was informed the bank needed more info but the firm was having difficulties getting confirmation on exactly what was needed. Calls, emails and faxes to the bank went unanswered and I later learned Fifth Third has closed my request for short sale due to lack of communication from the law firm. At no point, did Fifth Third ever contact me to request additional information nor contact me to advise that my case was closed.
After much waiting and unanswered calls to the numerous representatives assigned to my file in their loss mitigation department as well as their supervisors ... I only recently learned that the file was closed. After speaking with a supervisor that was on duty I was informed that despite waiting six months for a response to the cash offer for the short sale, that I would have to resubmit my request. When I asked what documents were needed that they never received, I was informed it was the sales contract addendum ( when the buyer increased their price ), proof of funds and proof of deposit. The addendum to the contract was emailed twice and faxed over to their bank by the law firm to ensure receipt. And the proof of funds and proof of deposit letters were provided with the original application. When I asked if it were possible to reopen the file and I could email the items over and confirm receipt while on the phone. I was told no and that I needed to submit a new application for short sale. I explained that I had been waiting six months and trying to get responses from the representatives and supervisors assigned to the file and that this news was disheartening. I was told the bank had undergone a file re-imaging process and it was a pain to access documents received prior to XX/XX/XXXX. If I want it done faster ... resubmit.
Following the call I emailed the supervisor I spoke with all of my docs and requested she confirm receipt. I got no response. I called the following day to confirm receipt. I was advised to resend using a different method. I resent and again asked for confirmation of receipt and got no response. The following day I was unable to contact her directly and after 8 calls to the main line in which I asked if the files I sent have been received and routed for processing, I was transferred to various representatives/supervisors that were not there and at last was finally able to speak with a representative who confirmed that the package I sent was never updated to my file. He was kind enough to provide his email so that I could resend the package once again and I was able to confirm receipt over the phone. I believe my file should have never been closed. If the bank needed information and were having communication issues with the firm negotiating the short sale, at bare minimum, they should have attempted to communicate with me. And even if that were not an option, a simple letter/email to inform of the file closure would have been appreciated. Worth noting, Fifth Third has not sent me any communication directly, to include mortgage statements, since I submitted the original short sale packet XX/XX/XXXX. I would like for my previous file to be reopened and the items I 've recently sent be evaluated for short sale.
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| 01/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was sold to Fifth Third Bank XX/XX/XXXX. I set up autopayment to take effect with the XX/XX/XXXX payment. I paid the XXXX mortgage payment manually.
XX/XX/XXXX I noticed something called a " Curtailment '' on my XXXX and XXXX statements. I contacted customer service and was told that a curtailment is an additional payment made to principal. I said I did not request this ( or approve it ) and I wanted reimbursement for the XXXX and XXXX curtailments. The rep ( XXXX ) said she'd put in the request. I also asked to be taken off autopay. She said I'd have to contact the Auto Pay dept about that.
XX/XX/XXXX I contacted the Auto Pay Dept ( XXXX ) and asked to be taken off auto pay. I was also told that the reimbursement for the INCORRECTLY withdrawn funds could not be put back into my checking account and that they'd send a check out in 5-7 days.
XX/XX/XXXX I mailed in a check for my XXXX mortgage payment. Note, my mortgage payment decreased for XXXX. The 2019 monthly payments were {$810.00} and as of XX/XX/XXXX the monthly payment dropped to {$710.00}.
XX/XX/XXXX I received a call from Fifth Third Bank 's Collection Dept because my XXXX payment was overdue. They actually thought the check I sent for XXXX was my XXXX payment and was short by ~ {$100.00}. I explained the story and that the account should have been corrected for the curtailments and I had in fact made my payments on time. It turns out that Fifth Third bank had made an ERROR when they were trying to correct the account and instead of reversing the XXXX and XXXX curtailments, they reversed the XXXX curtailment and the XXXX payment, so it looked like my payment was overdue. Not only that, but they reported it to the credit bureau. The collections rep escalated the call to a supervisor and said I'd get a call from them in the next 24-48 hours. She also suggested I contact the Auto Pay group to verify they have the right information for me ( I'm not clear why ).
XX/XX/XXXX I received a call from a DIFFERENT rep in the Fifth Third Bank 's Collection Dept because he noticed my payment was 33 days overdue. I explained the entire situation again. He told me that the information of a missed payment had been sent to the credit bureau already. I asked to speak to a supervisor. After he researched my account, he said he put in a request to correct my account and notify the credit bureau of the correction. I told him I wanted a call from a supervisor and he said he'd request that. I got off the phone with him and called the Auto Pay Dept. Explained the situation again and asked to speak to a supervisor. This time I did get a supervisor ( XXXX ). She put in a request to correct my account and to notify the credit bureau of the error. She said I would get a call from a Resolution Supervisor in the next 2-3 business days. Issue # XXXX XXXX XXXX.
XX/XX/XXXX After three business days, I still had not heard back from the Resolution Supervisor. So I contacted Fifth Third Bank. Had to explain the entire story AGAIN. The rep did put me on the line with XXXX. As of XXXX, my account had been corrected BUT they hadn't reported the error to the credit bureau yet. They would request that letter today and it should go out in the next 7 days. She said I would get a copy of that letter. She also said it could take 30 days for the credit bureau to correct my credit report.
I am beyond frustrated. I have very high credit scores, or I did until Fifth Third Bank made multiple mistakes. I have spent hours on the phone trying to get this resolved. It has been almost a month since this process to correct my account first started and it still has not been resolved completely. I am in the process of refinancing my mortgage with a different company ( that process actually started before I noticed the error in the payments ).
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| 04/28/2015 |
Yes |
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Web |
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I have a credit card with 5/3 bank. In a previous complaint, I was declined when I tried to use it in XXXX XXXX. I called 5/3 then ( XX/XX/2014 ), and wrote a letter of complaint also. To which I received a lip service response and not much more from them. Since then, I charged my stepson 's tuition several times-thousands of dollars each time-for his college in XXXX and they went through. My wife was in XXXX XXXX this past weekend and was able to use the XXXX twice before it was declined for suspicious activity. I received an email notification of this on saturday and a phone call to my work number on sunday afternoon-which is not very helpful seeing as I do n't work on Sundays. As my wife was being inconvenienced by the card being declined, I called Fifth Third ( 5/3 ) on Sunday and was put through to the Fraud department ( customer service is not open on Sundays ). After verifying my information, and in discussing the situation, she asked me if anyone had notified 5/3 that they would be traveling in XXXX. I replied that no one had notified 5/3 as I find that to be extremely paternalistic, condescending and unnecessary. I use my XXXX XXXX card all over the world and I have never had them decline the card for 'suspicious activity '. In fact, I use the XXXX card when I tried to use the 5/3 card last XXXX and it went through without a hitch. Additionally, I applied for the card XX/XX/XXXX specifically so I would not have to pay foreign transaction fees when using this card. Within 2 weeks of receiving the card, I went to XXXX and XXXX and charged everything on the card-including dinners in the XXXX-XXXX XXXX range. I did not tell 5/3 I was leaving XXXX and I had not one bit of trouble using the card, nor did my wife ( we are both on the account ). SO, by their own past conduct, we can see that the need to notify 5/3 is patently not needed as they have not always required it in the past and other credit card providers do not require it. Additionally, between XXXX and this past weekend, I charged over {$7000.00} in tuition from my step-son 's college in XXXX. There was NO problem with those transactions, but if my wife tries to buy LUNCH of XXXX at a restaurant in XXXX, the card is declined? Why do n't the same 'suspicious activity ' notifications apply to the tuition charges as to buying lunch? Is 5/3 profiting on the currency exchange and is therefore allowing transactions in multiple thousand dollars be processed, but since there is not enough spread in small dollar denominations, they are denying those transactions on the basis of 'suspicious activity '? And if the card is being declined for 'suspicious activity'-why then were XXXX transactions approved? XXXX of the denied transactions was at " home sense '' which is similar to XXXX XXXX. The other transaction was at " XXXX '' in the approx amount of XXXX. I can see where a criminal would make a LIVING taking 5/3 to cleaners for a XXXX lunch. Oh please!!! Whatever the case may be, as a consumer I find this to be extremely frustrating, not to mention highly embarrassing! When you present a credit card and it gets declined, it makes you look like a deadbeat in the eyes of the merchant-ESPECIALLY when you are traveling XXXX! As my wife and I both have excellent credit, this is certainly not the case, but that does not change the impression vendors get when you present a card that is declined. The capricious application of the 'suspicious activity ' guidelines makes it difficult or impossible to use the card-you ca n't use it if it is frozen each time you try to use it! I find the requirement that I notify 5/3 of my travel plans onerous. As an adult, where and when I travel is my business-the credit card provided is supposed to do just that-provide credit when I present the card-not find ways to avoid having the card be
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| 01/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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During the Covid pandemic, our loaner ( Fifth Third Bank ) gave us the option to go into forbearance, which we began in XX/XX/XXXX. A year later, we chose to have our loan modified, and began a Trial Period Plan in XX/XX/XXXX. Our old mortgage payment was {$2300.00}, while our Trial payment would be {$2100.00}. We made the payments in a timely manner for three months, after which we were told we would be sent a loan modification agreement, which we would have to have notarized, in order to start making the new payment amount on a regular basis. Many weeks went by and we still had not received our documents. We made a payment during XXXX, in the old mortgage amount of {$2300.00}, not knowing what we were supposed to do. We also made payments during XXXX and XXXX, around the amount of {$1900.00}, which was an amount that was included in a letter indicating what our new payment amount would become. During these months we made several calls to the loaner, asking when they would be sending the loan modification agreement, and we were constantly told that it would take a few weeks. We noticed that although we were making payments, they were not being added to our mortgage payments, which customer service agents told us was because new payments could not be accepted while a new modification was being written, and the money was put on hold. The agents also failed to tell us early on that they were sending a flood insurance policy notice, which would need to be signed and returned in order to continue the modification. In XX/XX/XXXX, we made multiple calls to them to ask when the flood document would be sent, and they kept saying it would be sent in a few days. When we finally received it, we sent it back the same day, and the XXXX tracking number showed that it had arrived early the next morning. When we called to inquire if they had received it, they said they had not, and that it was still at their mail center. We called a few days later, and they still hadn't opened it. Flash forward, on XX/XX/XXXX, the mortgage company had sent a letter saying that our case had been closed. When we called to inquire about why that is, we got many mixed messages. On one hand they were saying that it was closed by mistake, and on the other hand they were saying that it was closed because we hadn't submitted the flood document in time, which we had, but they had neglected to open in time. One agent even implied that we were going into foreclosure. We had to continue speaking to many agents until we could finally reach a supervisor, who assured us that they had received the document in time, and that closing the case wasn't a mistake. When asked when we would be receiving the loan modification agreement, he indicated that he would be looking into the manner and getting back to us as soon as he knew what was happening. We have not heard back from him since we spoke to him, despite continuing to send online messages and making phone calls to find out what was happening. Today, XXXX, XXXX, XXXX, we called the loaner again, only to find out they were sending us a new trial period plan document with a new amount, which the customer service agent indicated that after the payments were made for three months, it would take another few months ( up to six months ) to deliver the loan modification agreement. This is not what we were told would happen. We asked to speak to a supervisor again, and are currently waiting to hear back from one. We have also been trying to get a copy of our phone records which indicate all the times we called to ask for information and what was happening, as they often refuse to send us in writing what is being done. In addition, we were told today that the money that was put on hold was applied to our Escrow account, something we were not notified was going to happen.
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| 01/10/2023 |
Yes |
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- Trouble during payment process
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Web |
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I opened my home loan in XXXXFifth Third Bank took over my loan. Since, I did have a couple of late payments up to XXXX or XXXX. Every year since, and up to now, the company has claimed that I've continued to make late payments without the due late fees, and they also claimed that I wanted to sell my house and they assisted me with the sale which incurred over {$200.00} in fees that they started collecting two and three times a year since XXXX. The company knew my age and knew this was my first mortgage loan. So, I stopped sending money orders and started completing payments online. I felt like this would keep a better trail. Whenever I paidd my loan at the beginning and end of the same month since the bill was due on the first of each month, they would put my second payment towards principal instead of applying it to the next month as I indicated in the notes section of my online payment. To their defense, they would tell me that they can't see the notes-but this is their online portal. I was also told that I could make payments over the phone for free in which I would receive a notification later that there was charges for making payments over the phone instead of by mail or online. I wasn't able to afford a phone for a while so I used my neighbor 's phone number-they called her so much that she changed her number. So, since around XXXX, I haven't had a number on file, but fifth third has been sending me junk mail and my monthly mortgage payment notification by mail. In XXXX of XXXX, I got an online message when I logged in to setup my mortgage payment. The message informed me that I would have to download their new app or I wouldn't be able to login online after XX/XX/XXXX. So, while online in XXXX, XXXX, I went ahead and setup payments up to XXXX, XXXX. So, in XXXX, XXXX, I downloaded the new app, wasn't able to login with same credentials so I called number provided. I was assisted and was able to login, but then before accessing my account, an error message appears " well that didn't go as planned. Please try again. If this is your second try, go ahead and message us or call XXXX and we'll figure it out together. '' I've called several times since XX/XX/XXXX to get assistance with logging in to make a payment. I have had no success with several representatives. After XX/XX/XXXX, I incurred a late fee. The last time that I called was XX/XX/XXXX and I provided a phone number and email address for them to assist me with online access and the representative told me, " well you still have to wait 15 days for everything to be updated before you can access your account. '' I informed him that by that time I would have another late fee. He offered to take a payment online but I told him that I won't be able to afford the hidden fees for making a payment over the phone. So, on XX/XX/XXXX I received a letter from fifth third bank informing me that my loan would be in default if no payment was received 10 days after the date on the letter- XX/XX/XXXX, XXXX which was probably typed up while I was on the phone with representatives from the company for several hours that day. Fifth Third Bank has been taking money from me that has not been applied appropriately or at all to my home loan. I no longer have access to their online portal which I was able to make payments and see my payment history-although they are able to manipulate their system from their end of the online portal. However, I have had the same bank since before the approval of my home loan. And, every payment that I have made since making payments online, I can retrieve from my bank. I need help finding a lawyer who can go through every page of my payment history with fifth third bank so that I can payoff my home loan and not deal with this company any longer. Any help would be greatly appreciated.
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| 09/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I am the appointed Administrator of an estate of a XXXX year old single woman with no immediate family who was XXXX, unexpectedly on XXXX XXXX, 2016, XXXX after she XXXX. I am not family. In XXXX, the probate judge granted me authority, to handle and sort all of her affairs, financial and otherwise. I say this only to put into perspective how efficient and effective I have been at discerning what to do, who to notify, who to pay, and how, in less than 2 months time. Not fast enough for Fifth Third Bank, however.
It 's been 10 weeks since the customer was XXXX. I, alone, had to discern what to do, not being privy to customer 's finances and obligations. When I determined her financial obligations ( by searching for and piecing together papers in the home ) I opened an estate and applied for letters of authority from the court in XXXX. ATTACHED Immediately informed 5/3 Bank of XXXX, and that once court granted control of finances of XXXX to Administrator, car to be sold and $ XXXX loan ( on a $ XXXX vehicle ) will be paid off, or payments made. Provided copy of XXXX and letter of authority to 5/3 at local branch, in person. ATTACHED On Monday XXXX XXXX, 2016, 9 weeks post customer XXXX, XXXX called Administrator threatening repossession if loan not made current. Explained was 2 mos behind because of XXXX and lack of access to finances of XXXX and court approval to disperse same to creditors but immediately made an EFT of {$600.00} ( three month 's payments ). ATTACHED.
On Tuesday XXXX XXXX, payment hit 5/3 Bank 's account.
On Weds. XXXX XXXX, even though loan was current, funds in 5/3 account, 5/3 repossessed the car from her home. I received authority from the Judge the same day to sell the car to XXXX for $ XXXX, enough to pay 5/3 's interest in full. ATTACHED 5/3 Bank refuses to return the car, demands {$3000.00} loan be paid in full with {$600.00} repo fees to retrieve car, and wait days, to learn where it is and how to get it back. The Estate maintains liability and property insurance on vehicle and 5/3 wont reveal where it is located.
The $ XXXX in vehicle equity is Estate property and 5/3 has no right to appropriate the equity to its benefit over the rights of other estate creditors. This is not an upside down loan. The vehicle can be sold for $ XXXX and the estate believes 5/3 is exploiting the equity, hoping the estate allows the car to go to auction and 5/3 can capitalize on a XXXX and have loan paid in full.
5/3 social media department contacted me last Thursday stating a solution would be forthcoming in 24 hours. Called back 3 days later, told me the repo stands and would not tell me where car is, to get car back must pay off the loan in full, and the repo fee, because 5/3 did not get " verbal notice '' that I made a paymen.
5/3 had customer money in its possession over 24 hours before 5/3 took the car. 5/3 maintains that someone needed to " call '' the Estate Dept. and " tell them '' the payment was made so5/3 could " stop '' the repo. Could it really be that 5/3 's accounting and cross check systems are so poor that 5/3 does n't know when a customer made a payment so that it does n't end up stealing a customer 's car.
XXXX XXXX ( XXXX ) XXXX informed me this morning that 5/3 would not sending me a letter, as required by statute, re : where the car is and how to get it. I need help on behalf of this XXXX account holder and all decedents. 5/3 is holding her equity in the car hostage, and wo n't tell me how or where to get the car, nor will 5/3 return the car. For a bank to react this way to a deceased customer, especially when the loan is current, and they had no justification for repossessing the car that is property ( at least the equity ) of the ESTATE is an abhorrent way to treat the estate of a customer. Only 60 days later. Shame.
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| 05/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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- At the beginning of XXXX my mortgage was held by MB Financial.
- MB 's mortgage portfolio was purchased by 5/3 Bank during the first quarter of XXXX.
- While I was an MB Financial customer, I began to fall behind in my mortgage payments due to unemployment and a divorce.
- My house went to foreclosure later in XXXX and a sheriff 's sale of my home was scheduled for XX/XX/XXXX in the morning.
- I submitted a hardship application to 5/3 at the end of XX/XX/XXXX. I do not have documentation of the specific date, but I do have a letter from 5/3 dated XX/XX/XXXX that acknowledges my application and discussed next steps.
- I never received written or verbal confirmation regarding the status of my hardship application until 2 days after the 5/3 scheduled sheriff 's sale. I was in communication with 5/3 all the way up to the sale on XX/XX/XXXX and they never provided me with a clear determination on my application.
- On XX/XX/XXXX, I made a payment to 5/3 that brought my account current. I was able to do this by taking out a loan from a group of friends. If I did not do this, I would have lost my home at the sheriff 's auction.
- 2 days after the sale, I received an express mail letter from 5/3 that was dated XX/XX/XXXX ( the date of my scheduled sheriff sale ) saying that my hardship application was approved with details on the trial payment plan.
- If I had received this letter from 5/3 in the timeframe they were required to and promised, I would not have had to take out full loan from my friends and would have just made the required payments, but because of their delay on the review, this was not an option.
- I held numerous calls with 5/3 since this large XX/XX/XXXX payment and was told that my trial plan leading to a loan modification was in place and that my payments on the plan had in fact been made when I brought the account current on XX/XX/XXXX. I have documentation to this effect extending to XX/XX/XXXX. One call to confirm my status with the 5/3 mortgage department was even made from a 5/3 branch with the local branch manager on the line. I did this to ensure I was not misunderstanding any aspect of this because I found the process so confusing.
- I was told on the call in which the 5/3 branch manager participated that I could expect to receive my loan modification agreement by the end of XXXX. This did not happen. I was then told in a subsequent call that I would receive this by the end of XXXX.
- It is XX/XX/XXXX, and this has still not happened.
- A few weeks ago in mid-XXXX, I became concerned that this process might be impacted by the Covid 19 pandemic. In this call, I was told that my loan modification was not going to happen because I made my payment to bring my account current on XX/XX/XXXX. I had never been told this in any of my conversations with 5/3 or in written communications with them since my hardship application was submitted at the end of XXXX.
- I was told I would need to resubmit my hardship application and go through the process all over again. If approved, this would put my overall timeframe to modify my mortgage at nearly a year assuming I submitted now, they took 30 days to review, I made 3 monthly payments, and they took another one to two months to get me an agreement.
- I hold two XXXX XXXX and have XXXX a businesses with significant financial responsibilities. I am not unintelligent or lacking in an understanding of fiscal matters.
- I have found my experience with 5/3 to be absolutely frustrating and that they have not held up to their commitments. I am submitting this to CFPB in the hopes that doing so might rectify this situation for myself and potentially others.
- In the interim, I am planning on applying for a Covid 19 hardship forbearance and a separate reapplication to their hardship program.
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| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I have a big problem there with my mortgage company, 5/3 Bank, because I'm trying to cancel this PMI charge since XX/XX/XXXX, and nobody could help me there.
This PMI show up on my statement in XX/XX/XXXX without any reason and no one told me anything about it. It cost me almost $ XXXX.
I talked with several people over the phone and in the branch and all of them told me, they should not charge me this PMI. Thats what they told me at beginning of this mortgage, youll not have PMI. Then they started charging me PMI in XX/XX/XXXX.
I got this mortgage as construction loan to build my house and I paid off my land.
They told me if I paid off the land, Ill not have PMI mortgage because the land that time was over 20 % of the loan.
I started this construction loan in XXXX and it finished in XX/XX/XXXX, then they converted it to conventional mortgage, then they started charging me PMI because they didnt do any new appraisal when the house was finished. So, they should have done a new appraisal before they convert it to a conventional mortgage.
Since that time, Im keeping calling them and they always said, they will fix it but they never did anything.
Im paying for this wrong PMI for more then 2 years and I want cancel it and have all my money back because they should never charge me that, and Id like to have my payment amount as is on the note, {$1800.00}. And Ill pay myself the Property Tax and Homeowners Insurance without any problem. So, please remove that escrow account too.
They order an appraisal that I paid for in XX/XX/XXXX, then I got the appraisal letter from 5/3 Bank in XX/XX/XXXX saying my house value is $ XXXX and my mortgage was $ XXXX. They told me before this appraisal, if the house value is more than 20 % of the loan they will cancel the PMI but they didn't remove it yet.
It was almost 40 % of my mortgage balance that time.
Today my house is over $ XXXX and the PMI still there.
Attached you have an email from XXXX XXXX ( financial center manager ), from a branch close to my house, who looked carefully all my closing documents, and told me they should not charge me this PMI. Then She also told me they will fix it but they never did. It was in XX/XX/XXXX because I was tired to wait for the escrow department to fix the PMI problem.
Now, Im a retired and I dont make enough money to pay this $ XXXX for this PMI.
Do I need to get an attorney to finish it?
I also got a letter from the bank last week about escrow account ( see attached ) and they said there, that Ill have to pay property tax {$4900.00}. Its wrong, my tax this year is only {$1300.00} ( see attached ). Because this tax wrong and the PMI wrong, this escrow account went to the roof and my monthly payment went from {$2200.00} to {$3200.00}. How am I going to pay it? I dont have this money. Thats why Im asking to remove this escrow account and Ill pay my insurance and property tax myself.
I called the bank about it too and they said they can not remove it and I must pay everything. That is it. They dont help me in anything.
That is why Im asking you to help me here with this bank.
My situation changed in XX/XX/XXXX when I was pushed to retire because the covid.
As retired now Im making a total around $ XXXX.
I got the forbearance and its finishing this month. Next month Ill have to start my mortgage payments again, but I have to have the lower payment of {$1800.00} ( amount without escrow acct and PMI ).
Please, help me here.
I will Attach : 1 Closing disclosure take a look, NO PMI there 2 Email from 5/3 Bank Financial XXXX XXXX XXXXXXXX XXXX Appraisal XX/XX/XXXX - $ XXXX almost 40 % above the loan amount.
4 Property Tax Due XX/XX/XXXX XXXX Escrow account statement wrong ( 2 pages ). Notes on the page 2.
6 - Mortgage Note Let me know please.
Thanks.
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| 08/03/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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I had deposited a check at 5/3 bank for {$9500.00} XX/XX/XXXX. The check was written out to me with my married last name. Two of my bank accounts still have my maiden name on them. 5/3 reversed the check off by the following day. Initially, the check was available so I had spent a small amount of money. I can't access my account anymore otherwise I would be more specific. I called to find out why the deposit had been reversed and they explained that my maiden name was on that account and the check reflected my married last name. They said the check would mailed back to me within the next couple of weeks without being cashed. I advised the 5/3 rep that I was going to issue another check with the matching last name for the same amount and deposit again ( check number XXXX ). I also deposited enough cash to cover charges on the account from when the check was in my available balance. I looked at the receipt and they did not make the funds available. I needed access to the funds so I called 5/3 again to find out what the problem was. They told me a hold was placed on the check and wouldn't be released for about 10 business days. I explained that I needed the funds and they said there wasn't anything they could do to speed up the process. I asked the 5/3 representative if I could stop pay the check and have it re-issued to deposit at another bank? Since I couldn't access the funds, that wasn't a problem. It would just be reversed off again as a check that was stop-paid. I told her that is what I was going to do because I couldn't wait for the funds. A few days later ( XX/XX/XXXX ), I get an email notification from 5/3 that my balance was - {$490000.00} so I called thinking that my account had been compromised. They transferred me and asked me to explain the activity with the checks. I told them exactly what is described here, and they said they would follow up with me if they had any more questions. A couple weeks later, I got a letter in the mail that they had closed my account and they would mail me a check or bill if anything was owed at a later date ( I think 30 days ). I was annoyed by the whole situation so I didn't care at the time. I had an early access account as well as a checking so I could possibly have owed them when was closed completely. In XXXX of XXXX, I received a collection notice from XXXX XXXX , XXXX for {$110.00} saying that was still owed to 5/3 bank. I immediately sent a check on XX/XX/XXXX. I did not receive any notification prior to the collections demand. I was furious and happy to be finished with 5/3 bank. In early XX/XX/XXXX, I opened up a business savings account where we have our business checking. The bank ran a couple different financial background checks at the time. About a week later, I tried to make a deposit, and they froze our business account as well as our savings. They also froze my personal account. No one at the bank could tell me why-only that I needed to get the report from XXXX XXXX XXXX. I requested the report and it took about 2 weeks to get back. The report was prepared on XX/XX/XXXX. It shows that 5/3 bank reported that my account was closed due to checking account fraud. I did not commit fraud. I spoke to the people who represent 5/3 bank and they knew what I was doing before I did it. I can not explain how horrible this situation has been. Our business was not able to make any type of deposits for about two weeks. The checks we had out already were returned to the companies because it was frozen. We had to contact these companies and pay many fees as well as resubmit payments to all. I had to be removed from all business accounts in order for them to be reopened which has been humiliating. My personal account is still frozen due to this error. I need the negative remarks removed from my reports.
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| 03/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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My mortgage payment was {$670.00} on both my GFE and my monthly mortgage payment statement during XXXX. Then in XXXX or XXXX XXXX ( I now know ) the bank paid my homeowners ' insurance two times, saying it was because they were invoiced two times. The amounts were {$890.00} and {$820.00}, both paid to XXXX XXXX. As a result, my payment went up to {$740.00}. I assumed it was an increase in property taxes, insufficient escrow projections since it was a new loan, or some other legitimate reason. I did not receive an Annual Escrow Disbursement letter in XXXX XXXX. I paid those amounts of {$740.00} from XXXX XXXX through XXXX XXXX, for the XXXX payments, along with additional amounts to be applied to principal, since I want to pay my loan off early. As a result, I paid {$810.00} over what I owed, according to my calculations. I did not know this at the time that the bank had paid XXXX XXXX XXXX XXXX times in XXXX XXXX. Then I changed insurances in XXXX, going with XXXX XXXX, because XXXX XXXX had a better policy, although the premium was the same at {$920.00}. I purchased insurance through XXXX XXXX, a third party broker. I signed documents online and paper, thinking that a notice of cancellation was included to cancel insurance with XXXX. It was only when the bank provided my letter of Annual Escrow Account Disbursement that I discovered that two insurances were paid in XXXX. ( Note this refers to XXXX, not XXXX, which is a separate incident of overpayment of insurance from escrow funds. ) The letter regarding my escrow account for XXXX stated that XXXX XXXX XXXX I had been paid twice, in the same amount, {$920.00}, and that I needed to pay an amount similar to that, or that I needed to pay higher payments each month. Then my payment was raised to {$770.00}. This got my attention when I saw the same company had been paid twice. When I called the bank I was told that their records reflected two insurance companies were paid, both XXXX and XXXX XXXX, so that my letter of escrow account disbursement was not correct in that aspect. I was told to contact the insurers and get a refund issued and bring the check to the bank. I did this and presented a check from the XXXX for {$920.00} ( endorsed ) to Fifth Third Bank in XXXX XXXX. Then they were reimbursed for paying both XXXX and XXXX XXXX both for Homeowners ' insurance, so my payment should be adjusted downward to reflect that I paid the amount of shortage they created when they paid two insurance companies. It has not been adjusted downward, although I talked with someone at the XXXX XXXX branch of Fifth XXXX in XXXX about the whole situation. Then I received another check from the XXXX in XXXX XXXX, dated XXXX XXXX, XXXX. That check was for {$870.00} with no letter of explanation and no memo on the bottom of the check or attachment below. This caused me to look at my account statements to see if XXXX had been paid twice in XXXX. I could not tell from the information online whether that was the case or not, so when I told the bank ( XXXX ) and she said she would look into it, she said the insurance was paid twice in XXXX, through no action of mine that would cause two insurances to bill, but by the bank 's error. That explained why I received a second check. The bank has not worked with me to resolve this. My payment remains at {$770.00}, which causes me to be repaying the bank for their errors, when I have reimbursed them for my non-cancellation, {$920.00}. My payment should be reduced to {$670.00}. The amount that I paid over what I truly owed should be reallocated to principal and to interest from XXXX XXXX to XXXX XXXX and a new tax form issued upon my giving them the second check from XXXX. The bank should not benefit from their error in having me pay extra on my payment for their own mistake.
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| 12/11/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Servicemember |
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An XXXX widow, age XXXX, has lost her life savings of {$46000.00} due to bank negligence but they claim is her mistake.
On XXXX a check was written for discounted ac unit XXXX My mom wrote {$4600.00} in numeric part of check, but ac guy got her confused and distracted her when he tried changing price at last minute and she hurriedly wrote out this check in the driveway. She accidentally wrote out XXXX XXXX XXXX XXXX XXXX in alphabetized section. Despite a {$42000.00} disparity in numeric and alphabetized section, Fifth Third Bank pushed this through to XXXX XXXX XXXX ( XXXX XXXX The bank manager at XXXX XXXX XXXX XXXX caught this huge disparity and put a 7 Day hold on the check to give Fifth Third time to pull back or refuse payment on the check. The funds were pushed through to XXXXXXXX XXXX XXXX but not in their client 's account when we discovered that {$46000.00} and not the intended {$4600.00} were taken from our account. We discovered this when we got our statement in early XXXX and immediately called Fifth Third to address. They did help us go back to XXXX XXXX XXXX XXXX to get this corrected and XXXX XXXX XXXX XXXX sent us back the money on XXXX. We were thrilled and thought the nightmare was over. Then on XXXX we get a letter from Fifth Third and see they debited the {$46000.00} from our account a month later. No one knew what had happened or could tell us where funds went. Fifth Third said XXXX XXXX XXXX retrieved the money. XXXX XXXX XXXX XXXX repeated told us Fifth Third had the money. After weeks of follow up each bank still tells us the other has it. Fifth Third tells us XXXX XXXX XXXX retrieved the money now because their client got the money and it is in the fraud department. 2 Days ago the fraud investigator foXXXX XXXX XXXX XXXX and the bank manager at XXXX XXXX XXXX say they never pulled back the money and as a result they have lost XXXX. The latest update I have from XXXX & XXXX is they didn't pull back the money- That the former client started pulling money out as fast as he could when the hold came off the check and before XXXXXXXX XXXX XXXX sent us back the {$46000.00} on XXXX. They said he was able to pull out XXXX and therefore they are at a XXXX loss. The banks have tried to find the answers but we have lost {$46000.00} because of a huge disparity with 2 separate amounts that anyone with any common sense should be able to spot much less a bank that has a fiduciary responsibility to protect the money in our account. We are heartsick over this and Fifth Third says that it was our mistake. But the money was rightfully returned on XXXX. All parties knew it was supposed to be {$4600.00} and not {$46000.00} Fifth Third claims a technical late return charge took the money out of our account and sent it back to XXXXXXXX XXXX XXXX 30 days after we rightfully got it back. We don't know what to believe. We really don't know who has the money or what the bank responsibility is in this matter. I believe this was bank negligence to not notice and stop a check with a {$42000.00} disparity. I know that any bank I go into and present a check with 2 different amounts with a {$42000.00} disparity would not be accepted. When we got the {$46000.00} back we actually went back to Fifth Third and got a cashier 's check made for {$4600.00} to give to AC man for the air conditioning unit. We presented to him on XX/XX/XXXX and he accepted and gave us a receipt. We really don't know why Fifth Third debited our account on XXXX and if they still have it or if it was returned to XXXX XXXX XXXX XXXX We don't know why they would release our money a 2nd time nearly 30 days after we got it back. Banks are insured for their mistake resulting in losses. We are not. We are out a life-changing amount of money and we still don't have answers.
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| 06/02/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/. I receive my paycheck via direct deposit from my employer. Funds were reversed from my account on the same day. {$830.00}, twice, which threw my account in the negative {$590.00}. I called my bank 's Customer service number to see what was going on. They looked into the account. Finally they transferred me over to the disputes department. was on the phone, for over an hour with the dispute department. They said there was nothing they could do that day, because the transaction was still pending. I called back on Monday XX/XX/ Filed a dispute. They came to the conclusion that someone reversed a XXXX XXXX payment twice, that I received from XX/XX/XXXX. They are claiming that I received goods and services, and did not pay for them, and the person reversed the payment, which put my account in the negative. I called XXXX XXXX customer service. was on the phone for 2 hours. They confirmed all of my incoming, and out going payments on XX/XX/XXXX was good. I had a payment received for {$850.00}. After the transfer fee, it was {$830.00}. They also stated that they do not reverse XXXX XXXX payments, but someone probably called their bank, and disputed the amounts with their bank.
The dispute department told me I had to wait 8 days to receive my funds back into my account, and they would reverse any fees, that I was charged. Today marks the 8th day. I was paid again from my employer. My account has been in the negative for 2 weeks in the amount of $ XXXX. I have been getting return payments, phone calls, because my bill payments have been returned. Today XX/XX/XXXX, which is when I was supposed to receive my funds back to my account. My funds are not in my account. I call the dispute department, tell them the situation, they transfer me to customer service. Talk to customer service, they transfer me back to the dispute department, dispute department transfer me back to customer service. I am on hold, and on the phone for an hour and a half. The guy in customer service finally says that Fifth third sent me something, in the mail, because its not the type of dispute they thought it was, so they cant dispute it, and they do not contact other banks regarding this type of transaction. I checked my mail, I received the letter they sent, today, and it really does not explain anything at all. I called XXXX XXXX, and XXXX XXXX XXXX with information that I have. They both stated they could not give me any information, on the person 's account, regarding the person I suspected, and only my bank could contact, XXXX XXXX XXXXXXXX to verify and investigate information for this transaction. My complaint is my bank, Fifth Third, does not believe that my money is important enough to do a thorough investigation. They never once, called XXXX XXXX bank to look into this situation. So, its okay for someone to dispute a charge from 3 months ago, take My entire paycheck, I can not pay my bills, feed my family, and I am the one being inconvenienced, for 2 weeks, and all they can say is. We cant call the other bank to see what happened, or look further into this? Well why not? XXXX XXXX told me today, the only way this could be rectified, is if my bank called them. It would have to be a bank to bank dispute. Not only are they not willing to investigate, and call the other bank, this person was able to reverse the payment twice. {$830.00} twice. I have bills that are overdue, and my bank does not care at all. I have been dealing with XXXX XXXX for over 5 years, never had any problems. I do not do fraud, I work for every XXXX I earn. I am requesting that my money is refunded to me, and all return fees, associated, which they took from my direct deposit this week. I have an email from XXXX XXXX, and the mail that my bank sent which is really very useless to me.
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| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/2020, we initiated the process of requesting cancellation of our private mortgage insurance on our primary residence. The mortgage is held and serviced by Fifth Third Bank. We made the request not because we had paid off 20 % of the original value of the house, but rather because the amount we had paid off, when combined with the large amount of appreciation the property had experienced, put it well past the 20 % mark. As part of this request, we were required by Fifth Third to pay {$500.00} to have a Fifth-Third-designated appraiser come to our property. We did so, and an appraiser promptly came to our home, conducted the appraisal, and provided us ( as well as Fifth Third ) with a report that indicated we were indeed well past the 20 % mark ( about 24-25 % in fact ) due to appreciation of the property.
As of this writing, XX/XX/2020, our PMI still has not been canceled. When first requesting the PMI cancellation, we were told by one part of Fifth Third that it wasn't possible in any circumstance as we had not paid in 20 % when using the original value of the home when we purchased it. At the same time, another part of Fifth Third told us that it was totally possible that we could get it canceled, and sent us the documentation we needed to fill out in order to setup the appraisal. Once the appraisal was completed, Fifth Third informed us ( after weeks of waiting and calling to no avail ) that our PMI would not be canceled as the name on the mortgage ( my wife and I 's names ) did not match the name on the deed ( my wife 's trust ). We had changed the deed 's ownership as part of our estate planning after buying the home, and subsequently informed the mortgage servicer at that time ( XXXX ) that they should update the ownership of the mortgage. We never heard back from them and they presumably did not actually do what we asked, since they sold the mortgage to Fifth Third and the problematic names on the mortgage remained as they were.
At this point, Fifth Third would not respond to our appeal of the decision, and customer service agents claimed they could not see the refusal letter we had been sent ( they knew it existed per their system, but could not see its actual contents ). In frustration, I publicly tweeted at Fifth Third my complaint to try and motivate them to action. After weeks of missed calls from their social media team ( and calls we did not miss in which the service agent claimed we were totally wrong to have even tried this ), we found multiple customer service team members who agreed that we should be able to cancel the PMI, given
the facts of our case. They then consulted with Fifth Third 's legal counsel regarding the name mismatch issue and a ruling was made that the mismatch wasn't relevant and our PMI cancellation request should be granted as a result.
The helpful customer service agent we were working with then informed Fifth Third 's escrow department that Legal had blessed the deed-mortgage name mismatch as being a non-issue. The escrow department then returned a message that seemed deaf to the original request : the names don't match, so the PMI will remain. As of the time of this writing, our customer service rep has pointed out that there is no longer any legal issue blocking this request at least five times, and the escrow department has refused to acknowledge grant the cancellation. So at this point, we have what appears to be a totally valid request, validated by internal members of Fifth Third, after months of tryi
ng to convince the company to even listen to us, and some of Fifth Third 's own employees still refuse to grant the cancellation. At this point, it seems as though there is either gross incompetence or malicious intent at play in the refusal to grant our request, possibly both.
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| 03/15/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
Older American |
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Fifth Third Bank : XXXX XXXX XXXX and XXXX, XXXX XXXX. XXXX My home loan with Fifth Third Bank. The XXXX or XXXX of XXXX XXXX I completed paper work for a home equity loan. I put over {$45000.00} as a down payment on home.
I had all requested information at meeting with XXXX. The bank loan officer. I ask about a 2nd mortgage, per XXXX an home equity loan was better for me. No closing cost and no interest for 6 months and a low interest rate after that. XXXX said I could pay only the interest rate as a payment if needed. I explain I was leaving for two weeks, I offer to come back to submit loan request, but XXXX said no problems. I call spoke to XXXX on XXXX, XXXX, XXXX to see if more information was needed. She said no. I received several calls from XXXX one week later while on a cruise ship and could not respond. On Monday XXXX XXXX, XXXX I called XXXX and she said they needed 2 months of checking account statements to verify my income. I gave her information by XXXX on XXXX XXXX. On XXXX XXXX, XXXX I called left message for XXXX to call me. She did not return my call. On XXXX XXXX I called a 2nd time. This time taking to XXXX she pulled my account she would check and call me back by end of business that day. She did not call me back. On XXXX XXXX, XXXX I stopped at Fifth Third Bank in XXXX In. Spoke to XXXX XXXX, He called XXXX to see what was going on. On his computer it said is was in verification process. XXXX told him it would be a week to complete processed. I did not talk to XXXX. On XXXX XXXX, XXXX I went to bank, asked if XXXX was in. Bank teller said " yes '' after going into back room Employees returned said XXXX was at lunch, I said I would wait. Bank teller said it would be an hour. I again said I would wait and sat down. Bank Mgt. XXXX XXXX came from back room and stood in door way while talking to someone in back room. I strongly believe XXXX was there. I then ask for Bank mgt.. I then met with XXXX XXXX. I told him I been waiting for 2 months to this loan. Said XXXX would never call me back, it was awful customer server. I was being treated rudely, felt my loan was not being processed. XXXX said it usually takes 30 days for this to be processed. Said he would talk to her about it. He pulled my file up and said it was in the status of needing approval. I asked approved by who he said him. He was taking over loan and may need more updated information. I said ok.
Two hours later, XXXX called said there were several profiles on me, ask my birthday and if I refinance the house when getting my mortgage in XXXX XXXX. No I bought the house XXXX of XXXX. On XXXX, XXXX I called XXXX XXXX asking if he needed more information. He requested XXXX and XXXX bank statements and my XXXX annual statement from my Federal Retirement Pension reporting how much my monthly income was. I provided all information by the XXXX XXXX, XXXX. On XXXX XXXX, XXXX I met with XXXX at bank and asked about letter I received requesting more information. XXXX told me it was the same information previously given. XXXX told me if I could not get the equity loan, he could offer me a loan with 8 % interest. I do not understand why I would be offer a loan with a higher interest rate. It would be a higher payment each month. XXXX and XXXX both had to have my credit check with in return lowered my credit score. XXXX at first meeting offered me credit line of $ XXXX I said no $ XXXX He told he I should have a answer by the end of week, which was XXXX XXXX, XXXX. I have not received a call from XXXX or XXXX. I 've had to beg for their service. I am XXXX XXXX lady and a widow. I have been treated unfairly, mislead about receiving loan and per age and sex been discriminated again. Four months, they do not call me back, I have no answer, just wasting my time
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| 08/01/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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Saturday, XXXX XXXX, 2015 I deposited {$400.00} cash into my checking account at the ATM to find I was - {$570.00}. I began contacting the merchants and I was advised to contact my bank. Monday, XXXX XXXX, I contacted 5/3 Customer Service regarding these charges ( they are not open on the weekend ). I did not make these purchases at XXXX. I then questioned the validity of other charges as I knew something was wrong.
Tuesday, XXXX XXXX, I called 5/3 to open a dispute for unauthorized purchases on my checking account. I followed the protocol. My card was canceled and I received a new one on XXXX XXXX, 2015 and was now able to access my account online. The provisional credits had been reversed. I contacted 5/3 ( XXXX ). I was told that these credits were reversed because I was unsure of one transaction, so the investigator concluded that I must have had the card in my possession the entire time and that all of these charges were valid. No sales receipts, were retrieved or requested, no merchants were contacted. I was informed that the case can not be reopened or investigated and that the only option left available to me was to file a police report ( more than a month later ) and submit it to 5/3 Bank. The chances of any decision in my favor however, were very slim. When I asked why I was not informed of the police report initially, I was told because it was not mandatory. If I had been informed, I would have filed a police report. I asked to speak to the investigator but was told they do n't talk to customers and that they do n't have phones. I do n't know if my card was taken out of my purse or home and returned, was a counterfeit card, stolen, related to a security breech, etc.
Wednesday, XXXX XXXX, 2015 I received a list of disputed items with no explanation attached and I received a second notice dated XXXX XXXX, 2015 stating that {$230.00} will be debited from my account on the same date of the notice, XXXX XXXX, 2015. To be in compliance with the EFTA ( Electronic Fund Transfer Act ) I must have received notification no later than XXXX XXXX, 2015 these funds would be deducted from my account. The credits for the unauthorized charges were reversed and deducted from my checking account XXXX days prior to receiving any notice. Not only is this not in compliance with the EFTA XXXX day notice prior to the reversal of credits, I received it XXXX days after the funds were taken from my account AND the notice ( attached ) states that the funds were to be deducted the same day of the notice. I have been provided no proof of these unauthorized charges as mandated by the EFTA, Regulation E.
The FCBA ( Fair Credit Billing Act ) mandates procedures for disputed items. Included are charges for which you ask for an explanation or written proof of purchase, along with a claimed error or request for clarification. The creditor must explain to you in writing the corrections that will be made to your account. If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. I requested but never received proof of these purchases, no clarification, no receipts, no documents, etc. The Customer Service rep also informed me that no merchants were ever contacted. The FCBA mandates the creditor must acknowledge receipt of your dispute in writing within XXXX days.. The FCBA mandates that any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, even if the bill turns out to be correct. The EFTA, Regulation E, requires a summary of a customers potential liability in writing for unauthorized transactions and its policy for resolving unauthorized transactions.
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| 01/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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The following people have received multiple emails from me on this issue, FYI.
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX This was first reported to 5/3 in XX/XX/XXXX. I spoke with a XXXX and XXXX ; both stated they would escalate this to their supervisors. Clearly nothing has been done about this issue.
The short story is EVERY time I use my 5/3 card, 53 duplicates a charge. This is the basis of my complaint as I perceive this as either illegal or irresponsible.
.
After dealing with another serious issue, I forwarded the following to XXXX who has been working on this since XX/XX/XXXX. We have talked twice a week since XX/XX/XXXX. Each time we speak she tells me she has escalated the issue ; or talked with her boss ; or has to allow time for the team to work on it ; or taken it as far as she can. It is in the hands of their IT team who cant find a solution ; doesnt care that this happens only with my 5/3. XXXX XXXX and other cards NEVER have this issue.
After the last conversation with XXXX it is clear 5/3 wants to wash their hands of this issue and their IT department isnt concerned with pursuing, researching or investigating this issue.
I consider it serious simply because If I had an emergency, with all the pendings/ duplicate pendings I have - this could impact me personally.
Following is the summary and snapshots Ive sent to 5/3 XXXX Thanks for helping with this. It has been an issue since XX/XX/XXXX. Now that I have your attention and you seem to be someone at 53 who can really get things done, I'm so happy to share this with you.
Basically, when a pending charge hits my 53 credit card, it always does so in duplicate. All the retailers say it's not them and since my 53 card is the only common item, I have to believe it has something to do with 53. This NEVER happens with XXXX XXXX or any other card I have.
The retailers and 53 customer service all say, " it's pending, if it doesn't fall off, call us back ''. Well, that is not acceptable. Even the pending charges go against my available limit. If I had an emergency, with all the 'pendings ' I have - this could impact me personally.
This is the most recent, notice the duplicate {$22.00}. There are a few more, following the XXXX snapshot.
XX/XX/XXXX I spoke with XXXX ( 53 ) her employee ID is XXXX XX/XX/XXXX I spoke with XXXX and XXXX and XXXX stated it was not a 53 issue. with so many of these, I know it must be 53.
This is the issue from XX/XX/XXXX : See below - I made ONE purchase of XXXX, but it shows up in my pending THREE times. I get THREE texts and THREE emails, so I am pushed to view the credit card info at 5/3.com. XXXX and XXXX were no help and stated they would pass this on to their supervisors and I doubt they ever did anything. I never heard back from either of them. My point is I should NOT ever, get duplicate charges.
Again, ( XX/XX/XXXX ) I spoke with XXXX and she stated that they could not decipher the problem. ( In other words, they could not figure it out ) I also asked why her IT XXXX could not understand that this is a compliance issue, she stated, that her IT XXXX has not responded to anything escalated by her OR emails sent by me.
Today ( XX/XX/XXXX ) I spoke with XXXX XXXX (? Spelling ) a supervisor stated basically the same as XXXX AND the 53 was not concerned that the duplicate charges are held against the credit limit and could cause a customer hardship, in an emergency. Shockingly poor attitude towards customers. He also stated that IT had nothing to fix as this was common activity.
I find it hard to believe that duplicating charges are common activity.
|
| 02/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On XXXX/XXXX/16, I sent a {$25000.00} cashier check from my XXXX Bank to Fifth Third Mortgage at XXXX. XXXX XXXX, XXXX, OH XXXX to pay for part of my mortgage principals, via a certified mail with a return receipt. I have my name and mortgage account number clearly shown on the Cashier 's check at the XXXX line of " Pay to the order of Fifth Third Bank ''. On Friday, XXXX/XXXX/16, my cashier check was delivered to Fifth Third Mortgage at XXXX based on the USPS Tracking number XXXX. I contacted Fifth Third Mortgage on XXXX/XXXX/16, to inform them that my cashier check arrived at their Fifth Third Mortgage and requested them to confirm. The first-line rep at Fifth Third Mortgage told me there was n't any ways to confirm status, then escalated me to XXXX XXXX, a manager. XXXX took the call and asked for my USPS Tracking number and verified at USPS.com just like that I did. XXXX XXXX told me my cashier check should be processed overnight on XXXX/XXXX/16, and she placed a " task order '' to ensure my cashier check would be deposited to my mortgage account and pay principal only. XXXX stated that there were n't any phones that she could call at the Payment Processing center to obtain status. On XXXX/XXXX/16, I checked my Fifth Third Mortgage account online and did not see the {$25000.00} bank cashier check deposited in my mortgage account. On XXXX/XXXX/2016, I called XXXX immediately using her direct number and left a voicemail. XXXX called me back and stated it did not process, but she could not explain to me how long it would take to process a {$25000.00} cashier check and what the procedures are. XXXX told me again there was no way she could call the Payment processing center to inquire any status. This was like an internal firewall between Mortgage Rep and the Payment Processing Center. Since XXXX/XXXX/16, XXXX has neither answered my phone calls nor responded to my voicemails on this matter even she offered to monitor my account since XXXX/XXXX/16. On XXXX/XXXX/16, I still have not seen the cashier check deposited in my mortgage account as I checked. This time, I was able to reach to another supervisor, XXXX ( Employee ID # XXXX ), and she told me that she could not do anything either since XXXX has put an investigation on it but XXXX did not tell which day the investigation was set up. I explained to XXXX that XXXX has not responded to me since XXXX/XXXX/16. XXXX said that she noted in my account and copied to XXXX boss about the situation and told me they should get back to me, but I still have not received their responses. On XXXX/XXXX/16, I consulted my XXXX Bank again to find if my cashier check was actually cashed and the XXXX Bank rep informed me that the cashier check has not been cashed yet. Therefore, the Fifth Third Bank Mortgage has not even processed my mortgage payment in 4 business days ( XX/XX/XXXX/16-XX/XX/XXXX/16 ) after they received my check on XXXX/XXXX/16 at XXXX XXXX. The XXXX bank rep told me that it usually takes 2-3 business days to process a cashier check to pay for principal in a mortgage account. Obviously, this is not the case for Fifth Third Mortgage in XXXX, OH. Can you please assist me in investigating this case with the Fifth Third Mortgage due to this is unprofessional/unacceptable services from the Fifth Third Mortgage. As of XXXX/XXXX/16, I have not obtained any status on the progress of the mortgage payment with my cashier check sent to Fifth Third Mortgage. They simply could not even provide me with status of their progresses in their Mortgage payment processing due to their internal firewall that can not make any phone calls to their backend Mortgage Payment Processing Center. Any assistance that you may be able to offer would be most kindly appreciate it. Thank you.
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| 07/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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I had a home equity loan ( $ XXXX ) with MbFinancial. Approx. 3-4 months ago I received a letter informing me that MbFinancial had been taken over by FifthThirdBank ( 53.com ) and was given information on where to now send my payments to FifthThird Bank . I have made payments to FifthThird Bank since XX/XX/2019.
I own a commercial building as well. I am in the process of remodeling the building and was seeking a loan from another lender ( $ XXXX ) to finance the improvements. I was notified today ( XX/XX/2019 ) that the lender would be unable to approve the loan because my credit report indicated that I have two ( 2 ) home mortgages for XXXX, not 1 mortgage as I reported on my credit application to them. I was shocked to hear this and immediately logged onto my credit monitoring service, and sure enough, it shows that I have a XXXX loan with MbFinancial AND now ANOTHER XXXX loan with FifthThird Bank, not 1 mortgage that FifthThird Bank took over.
I immediately called FifthThird Bank to complain about the credit reporting error and asked for immediate correction due to the time-sensitive nature of securing the new loan. I was told I would be mailed a letter sometime in XX/XX/XXXX. I complained that this was unacceptable due to the time-sensitive nature of securing the new loan, scheduling contractors, etc. I asked that they email me a letter immediately explaining the situation and to correct THEIR error, so I could provide that information to my new lender. I was told that FifthThird Bank was unable to email such a letter and that I would be receiving the letter by regular mail sometime in August. I again complained that this was unacceptable and was offered to speak to a supervisor. The supervisor reiterated their inability to send a letter or correct my credit report any sooner. I asked what other recourse I had with FifthThird Bank and what governmental oversight agency I could complain too. I was offered the FifthThird Bank president 's regular mailing address to send him a complaint letter ( They would not provide his email or telephone number ) or I could telephone their Customer Service Dept. I AGAIN explained that the situation was time-sensitive, and sending a complaint letter to their president via snail mail wasn't sufficient, and further, why/what good would me calling their customer service department to complain do? I was already communicating my issue/complaint to a supervisor. When I asked what governmental agency oversaw their mortgage department, I was told the FDIC. I suggested that the FDIC oversaw banking issues, not mortgages or credit reporting and was told, " oh, you're probably right '', call the FHA. I replied, I don't have an FHA loan, and asked if they actually knew which agency oversaw/regulated them or was the supervisor I was speaking with simply googling ( I could hear her typing ) to find out. She admitted she didn't know and was trying to XXXX the answer. I was given this case number to reference # XXXX.
What is the requirement for mortgage lenders to update their credit reporting when they take over an existing loan? Why would they report the loan under their name to the credit bureau without first, or at least simultaneously removing the prior lender?
What is my recourse for damages if my request for an additional loan/credit is denied because of the duplicate reporting of my home mortgage?
Should mortgage lenders know what governmental agency oversees/regulates their activities, and should they be able to provide that information to their customers?
What is the expected time allowance/frame for a lender to correct such egregious credit reporting errors, especially such as this, which can have detrimental financial consequences on the consumer?
Thank you.
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| 12/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XXXX, 2019, I applied for a Mortgage Modification through Fifth Third bank, which holds the primary mortgage on my home. I also have a Home Equity Line of Credit through XXXX XXXX. Fifth Third approved the trial for the modification and I was told that if I made three payments in a row on time, the new amount would be my mortgage payment amount moving forward and that would be the end of the trial period.
I proceded to make the payments on time ( see attached statements from my bank ) and I am currently up to date on my modification payments. However, after I made the third trial payment, I was told that the modification could not be finalized because a third party, not previously mentioned, needed a subordination agreement fom XXXX XXXX which holds my HELOC. I told them to call XXXX XXXX. The Representative I spoke with at the time said they could not do that to protect my privacy. They told me I needed to call XXXX and get the subordination agreement. I called XXXX XXXX and they told me to just have Fifth Third call them. They said that was standard practice and it happens all the time. I called Fifth Third and they reiterated that they could not and would not call XXXX XXXX. They told em to get a list from XXXX XXXX of the requirements for a subordination agreement. I called XXXX and asked them to send me a list of their requirements for subordination agreement for modification. I forwarded what they sent to me to Fifth Third and it turned ou not to be the correct list. The list XXXX sent me was for a Refinance.
At the end of XXXX, I spoke with Fifth Third hoping there had been some progress amongst the banks. Understanding there had been no progress, I arranged a conference call between the two banks and whn i finally got them both on the phone, the representative from XXXX XXXX dropped out of the call. I told the Fifth Third Rep to call XXXX back at the number I used because the two reps had been on long enough to get my permission to discuss my situation. The Fifth Third Representative refused to do this and told me it was TOO MUCH EFFORT.
At the end of XXXX, I checked in again and still no progress had been made. At this point I went to the XXXX Branch in XXXX XXXX, NY and sat with a representative who got reps from XXXX XXXX departement that handles loss mitigation and a rep from Fifth Third on the phone. The XXXX Rep said they were faxing over their list of requirements to get the ball rolling and Fifth Third said they would process it. Both banks at that time assured me that this would get things moving and I would not have to worry about this.
XX/XX/XXXX, my ex-husband phoned to let me know that Fifth Third had reached out to himinsisting he owes them around {$20000.00} as both of our names are on the mortgage and modification. On XX/XX/XXXX, Fifth Third canceled our modification because they never obtained the Subordination agreement from XXXX XXXX. At that time, they told me my loan was delinquent and I would have to pay them {$19000.00} None of this makes any sense to me whatsoever. I am attaching my bank statements showing that I have been making my modified payments every month on time. I am attaching the business card for XXXX XXXX who assisted me with starting this process. She is a HUD Certified Housing Counselor. I am also attaching the Notice I received from Fifth Third indicating that my home loan is " 154 days and {$28000.00} in default '' and that I am at " risk of losing my home. '' I have also attached the Mortgage Loan Statment for the year showing what Fifth Third says I have paid to date.
This entire process is overwhelming and I think that the bank has deliberately done this in order to try to pursue foreclosure on my house. This is criminal behavior.
|
| 02/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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We have a XXXX XXXX XXXX financed with Fifth Third Bank. We received a letter from Fifth Third Bank on XX/XX/XXXX stating they were notified our auto policy was no longer in force and either we or our agent needed to send evidence of our current insurance. Since we have never had our policy cancelled, we contacted our agent on XX/XX/XXXX and asked them to contact Fifth Third Bank to find out why we received this letter. Our agent contacted Fifth Third Bank on XX/XX/XXXX and spoke with XXXX who requested a copy of our policy be faxed-no email and was advised by Fifth Third Bank that once the policy was received, it would take 2 days to process. On XX/XX/XXXX, we received another letter from Fifth Third Bank, again advising either we or our agent needed to send evidence of our current insurance. This time, we faxed a copy of the policy ourselves to Fifth Third Bank on XX/XX/XXXX. On XX/XX/XXXX when we were online to make our payment, we noticed an item on our loan dated XX/XX/XXXX that simply stated " Finance amount '' for {$2900.00}. We also noticed that our normal payment due was listed as {$820.00} rather than the normal amount due of {$490.00}. We contacted our agent again on XX/XX/XXXX and informed them what we discovered on our account and asked them to contact Fifth Third Bank again to find out what was going on. Our agent contacted Fifth Third Bank that day and was told that Fifth Third Bank was not listed as the " Loss Payee '' on our policy. Our agent advised them they were but agreed to fax another copy of the policy to Fifth Third Bank showing they were indeed listed as the Loss Payee. Our agent was advised that it would take 5-7 business days to credit our account. Our agent followed up with Fifth Third Bank on XX/XX/XXXX and spoke with XXXX who stated they received all the information needed and that it was processed on XX/XX/XXXX and that it would take 5-7 business days before we would see a credit. We have checked our account on a daily basis since then but we have not been credited the {$2900.00} and our account still shows a current payment due of {$820.00}. We have contacted Fifth Third Bank ourselves on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to inquire why our account has yet to be credited and each time we are originally told they don't have any record of receiving a copy of our policy and when we tell them Fifth Third Bank has already admitted in past calls that they have received it, they suddenly see where it has been received and then will give the same answer of " it's being processed ''. During our XX/XX/XXXX conversation with the insurance services department with Fifth Third Bank, they stated they had sent the request to the Fifth Third Bank 's customer service department to credit our account. We requested a conference call with the customer service department. During this conference call, both departments were arguing with each other, the insurance services department saying they sent it to the customer service department and the customer service department saying they never received it and nothing was resolved during this call. As of the date of this complaint, XX/XX/XXXX, our account as yet to be credited. In the meantime, our account is being charged extra interest on the {$2900.00} and now late charges as we continue to only pay the normal payment amount of {$490.00} rather than the requested amount of {$820.00} which will eventually affect our credit.
This practice of " Lender Placed Insurance '' should be an illegal practice for these banks or at the very least there should be stricter guidelines placed on the process. XXXX XXXX has been fined for their illegal practices regarding the " Lender Placed Insurance '' and hopefully, Fifth Third Bank will be fined as well.
|
| 06/09/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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Yes I am writing to you the Consumer Financial Protection Bureau about my situation involving my stolen money once more. I had written back to you previously in XXXX of last year to report that Fifth Third bank has been withholding my money that was stolen from. I am insured on the money it was an amount of {$23000.00}, I had {$28000.00} in my account when the fraudulent charges began. The money that wasn't stolen was $ XXXX they returned out of the {$28000.00} which was the starting amount. Then after that Fifth Third Bank than returned {$7700.00} i am insured on out of the {$23000.00} that was stolen from me.Since than i have been going to a psychiatrist for emotional distress that Fifth Third Bank has been putting me through. This started back on XX/XX/2020 and they have been prolonging this for almost a year. They could have just insured the whole amount instead of {$7700.00} Which is only plain greed because i am clearly a victim of a crime who instead has been treated as the perpetrator by Fifth Third Bank.I am legally insured for this money and this money was for my home purchase! I have been patient with Fifth Third Bank along the police and the Financial Crimes Detective who works for the police department has been patient with Fifth Third Bank as well. The police and Financial Crimes Detective are catching along to Fifth Third Banks waiting game. The detective who works for the police department for this case has written letters to the bank telling them that it doesn't look good on their part to only insure XXXX of the victims money ( i am the victim ), and that he will help me seek and hire higher counsel to handle this matter promptly if it can't be seen fairly.So instead Fifth Third Bank decides to only insure me on XXXX of the money which is the {$7700.00} they returned to me. Which completely makes no sense on their part why they didn't just go ahead and insure me the full amount stolen because the stolen money they did return dates are XXXX to XXXX and the money Fifth third Bank is trying to withhold dates fall right into the middle of XXXX and XXXX. The criminal stole my card on XXXX and i never seen it since that date. I am including photographs of the letters Fifth third bank sent to me, along with pictures of the dates of the fraudulent charges and pictures of the dates of the fraudulent charges that have yet been returned and the dates of the fraudulent charges Fifth third bank is trying to seem to lie and wanting to deny me on. So that you may see for yourself i am correct. Also fifth third bank still owes me for a case involving {$2100.00} that case number is # XXXX which fifth third bank seems to think i will just forget about it as well. That case also has dates that fall right into the middle of the time period they returned XXXX of my money back also. i will also enclose a photograph of that as well. That {$2100.00} goes into the amount still owed to me that was stolen out of my account starting XXXX XXXX. I am furious with how i have been being treatment and i am tired of Fifth third bank lying and making up excuses to keep my stolen money. All of the money was stolen the same way starting on XXXX and Fifth third bank is contradicting themselves by withholding the rest of my funds.There are additional funds still owed to me i am legally insured and entitled to the money.I have spoken with a attorney who is very interested in taking this case asap but instead i am writing to you the Consumer Financial Protection Bureau to ask that you please tell Fifth Third Bank to give me back my the rest of money that they have been withholding from me i am insured on. As i am giving them a chance to handle this matter fairly before i am forced to do so in court. Sincerely Thanks
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| 12/05/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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Fifth Third Bank fails to provide full disclosure to its customers in regards to " Overdraft Coverage. '' Additionally it processes debit card transactions as " Recurring Purchases '' rather than " Everyday Debit Card Transactions '' so it can ignore the consumer 's preference to decline overdraft coverage on debit card purchases and charge consumers overdraft fees without their authorization.
On XXXX/XXXX/2016 I changed my preference to decline Fifth Third Bank Overdraft Protection after speaking to an agent and being told the benefits of having it. Specifically I was told that if you make a purchase with your debit card and the funds are there the transaction is approved and no overdraft fee will be charged on that transaction should your account not contain sufficient funds when the transaction post.
Additionally on the disclosures it states : " As part of this service, we do authorize Checks and other transactions made by using your checking account number and pay overdrafts for the following types of transactions : Automatic bill payments. However, we do not authorize ATM transactions and pay overdrafts for the following types of transactions unless you instruct us to do so for the following Everyday debit card transactions. '' Further it reads " Overdraft Coverage for ATM and Debit Card Transactions Fifth Third Bank can no longer authorize and pay overdrafts pertaining to ATM and everyday Debit Card transactions unless you instruct us to do so ... '' Subsequent to receiving a confirmation from Fifth Third that overdraft coverage had been declined on my account I was charged additional overdraft fees for purchases made with my debit card. Upon calling Fifth Third Bank 's customer service I was told that while the purchase was indeed made with my Debit Card the transaction was processed as a " Reoccurring Payment '' and not as a debit card transaction. Further I was told that this decision was made by the merchant and not Fifth Third.
The purchase in question was XXXX and is no way a " reoccurring payment '' as the transaction does not reoccur in a regular interval nor is it a fixed amount.
Below are my concerns regarding Fifth Third Bank : Fifth Third does not disclose that opting out of overdraft coverage could save consumers overdraft fees on debit card purchases that had sufficient balance at the time of the transaction but did not have sufficient balance at the time of posting. Had Fifth Third explained this in their disclosures on overdraft protection more consumers might opt out.
Fifth Third Bank has created a new type of transaction to skirt the customer 's opt out of overdraft coverage and charge overdraft fees.
Fifth Third Bank NEVER mentions " Reoccurring Payments '' anywhere in its overdraft coverage disclosure and clearly states that transactions related to the debit card will be declined and not be charged overdraft fees.
Fifth Third Bank fails to education its customer facing employees on types of transactions - specifically reoccurring payments using the debit card.
Fifth Third Bank encourages merchants to process transactions as reoccurring payments rather than debit card transactions by charging merchants lower fees for processing the former type of transaction. Fifth Third then uses this loophole to charge customers unauthorized fees.
Finally Fifth Third sets arbitrary limits on how much customer service can credit on overdraft fees. Customer Service representatives have told me that they would refund the fee due to the above disclosure issue however they are unable to because I have had $ XXXX in fee waivers already this year.
I do have supporting evidence such as PDFs from the Fifth Third website and all disclosures related to overdraft coverage if needed.
|
| 11/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an auto loan with Fifth Third Bank. I received a copy of my credit report with the goal of trying to purchase a house to find that the following information was reported in error. I have solicited the services of a counseling agency to aid me in handling the dispute in which I question. First, I sent letters to all three credit Bureaus to see if the error was coming from their end only to find that it is not. The error is coming from Fifth Third Bank in which I have attempted multiple times to fix the error through Fifth Third only to receive no help and unreasonable answers.
On my credit report Fifth Third is reporting to the Bureaus and is reflecting anXX/XX/XXXX rating, the worst rating, showing the vehicle as a repossession even though it has been reinstated and the car has been in my possession since XXXX of XXXX. I have made on time payments for quite some time now and this account continues to report to the Bureau as an XXXX rating. The date opened was XX/XX/XXXX and the last date reported was XX/XX/XXXX. This negative rating is affecting my credit score.
When I went to the financial institution in person to handle the situation they would not let me contact or speak to a person directly that handles the account. They have an internal collection agency and instead Fifth Third acted as a mediator between the two parties. I was only allowed to speak to the Branch Manager who did not have a good understanding of how to even handle the situation or have any answers as to why they were reporting this as so. I was then told that I would be contacted within a week on the matter as the branch manager sent an email to the internal collection agency. I received no such follow up call. I then had to call multiple times not being allowed to speak to the Branch Manager and had an even lesser associate of the Branch Manager attempt to handle and resolve the situation only to have none. After going back and forth for several days and not accepting what I was being told by both the Branch Manager and the associate that, " Unfortunately that it is going to remain that way with the Bureau because the state institute of limitations allowed it, that there is nothing that they can do to change it it is going to stay on the report that way ''. This was the answer that I was given via voicemail.
I called back very concerned wondering why if the car is in my possession, payments being made, etc. Why can't my rating change from an XXXX ( the worst rating ) to at least an XXXX. At this time I finally was able to get the Branch Manager on the phone who I feel just to get rid of me said, " That there is nothing that can be done. When you pay off the rest of the auto loan it will show up as a {$0.00} balance and that it might drop off ''. Which doesn't sound reassuring at all. If they can't fix the problem now, why would they fix the problem then? And furthermore, that doesn't help with the false reporting of my rating. And what if I owed a substantial amount more on my auto loan. Fifth Third would just handicap my credit score until then was basically the answer I was given to accept. To spend years not being able to do certain things because of them. I was extremely dissatisfied with the help I received.
I still do not understand how the XXXX rating can not be removed or updated to the true status of XXXX. The account is current, I still own the vehicle and I am still paying on it. I'm in the process of trying to purchase a home and this is tarnishing my credit score and the information being reported correctly. I was then instructed by my counseling agency to reach out to the CFPB as a final resort as Fifth Third has not been helpful at all and I do not believe that I am being treated fairly.
|
| 02/17/2017 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
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Hello, My issue revolves around a shortage in my escrow account with my bank Fifth Third ( XXXX IL ), and I have kept all of my paperwork and documentation possible regarding this entire issue, I will not be attaching all of it as it includes my original paperwork when signing for the home ( so please do n't feel as if I do not have documentation to provide ). The numbers I used were rounded numbers, but I can give exact numbers as requested.
My issue began 4-5 months ago when I received 2 letters in them ail on the same day, one included a check of XXXX dollar as an overage in my account, and another raising my payments do to a shortage in my account ( both letter received on the same day ). I attempted to redeposit the overage in an attempt to not only keep from being short but to keep my payment from raising. They told me legally they are unable to take it back even though my account was in a shortage. They also made sure to tell me it was due to tax and insurance premiums increasing, which I have documentation stating neither have been raised.
A few months pass and I dealt with my {$15.00} increased monthly payment and I receive a letter from the county stating my second installment of taxes have not been paid, and If not paid within 2 week my house will be taken. I called my bank to find out they had a mistake and it will be taken care of, also that this mistake happened to everyone else 's taxes they manage. ( as another bit of information I talked to the county and found out every time my taxes have been paid they have been late ). The taxes were paid after 1 week and I suspected all was in the green until I received a letter from my bank stating I now have a shortage equal to the amount paid on my taxes of XXXX. I called my bank to find out and was told I can pay it in full or over a 12 months cycle ( neither of which I felt was fair ). This was going to raise my payment another {$90.00} a month on top of the {$15.00} a month 2-3 months prior. I did return the shortage I was given in order to set things correct but it did not effect the shortage hardly at all. I had returned {$650.00} and had 4 increased payments and I was still being told I was short {$900.00}.
At this point I have had my loan for roughly 1 year 3 months and at this point in time I have accumulated over a {$1200.00} shortage, had 2 late tax payments, had my payment changed 3 times, all because my taxes and insurance supposedly increased.
I would not accept that answer when I possessed documentation that said otherwise. I spent the next 2 almost 3 months speaking to a dozen representatives including the bank manager where I received the load and supervisor of escrow accounts at corporate to find out that the bank was unaware there were XXXX tax installments a year in my county and had made a calculation mistake with my escrow and was not billing me appropriately. With this mistake I was not being billed appropriately to accommodate these taxes. My paperwork states how much my taxes for the year would be and somewhere along the line it was not set up correctly to comply with my escrow account requirements.
The supervisor with my bank told me although they made this mistake the taxes are still my responsibility and I have to fix the shortage. I fully agree these are my taxes and my responsibility, but I do not feel that a XXXX math calculation when they had all the information to correctly set a payment is unacceptable.
I have been lied to ( or told incorrectly by a misinformed employee ) in many different situations, Treated as if I was crazy for being upset over a small {$1200.00}, and even told by my the bank manager my taxes and insurance have increased and I am just going to have to deal with that.
|
| 07/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
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Fifth third bank has been charging me fees with my checking account. They were charging me {$15.00} dollars a month. When I opened the account I was not informed that their was a monthly balance.I also read the terms for the offer and it does not have a minimum balance requirement ( see below ) I also went to the branch today with my paperwork demonstrating I was a student. The account was changed to a free checking account. The employee kept telling me that I should have been able to open a student account. Fifth Third has been given me a problem with honoring the {$250.00} credit that I was suppose to be given. Today I was informed that a manager would listen to the call to see if im eligible for the credit. I have reported 53rd to the XXXX but have not heard from them. I have attached my enrollment agreement. My school was XXXX but it then became XXXX XXXX XXXX XXXX. So I should have never been charged fees because if your a student then you dont have to pay fees. That would also keep my balance at {$500.00} for the 60 days.
I also think that if 53rd is going to be giving its customers a problem to issue the credit that they should stop offering it. What their doing is misrepresentation and misleading to customers To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, or Free ( where available ) checking account by XX/XX/XXXX, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days.
3 Your {$250.00} bonus will be deposited to this account within 10 business days of completing qualifying activity requirements.
Download the App XXXX XXXX XXXX XXXX XXXX {$250.00} Cash Bonus Offer To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/XXXX, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days.
The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements. In order to receive the cash bonus, your checking account must be open and in good standing. Offer is not available to existing Fifth Third checking customers or to those with a Fifth Third Checking account that has been closed within the last 12 months. Bank reserves the right to limit each customer to one new account-related gift incentive per calendar year. Account must be funded within 45 days of opening. No minimum deposit required to open a checking account. Checking accounts may have fees that may reduce earnings and impact ability to meet minimum daily balance requirements. Bonus may be taxable as interest income and reported on IRS Form 1099-INT. Consult your tax adviser. See your banker for details. Not valid with any other offer.
Enhanced Checking is an interest-bearing checking account and all balances earn 0.01 % Annual Percentage Yield ( APY ). Preferred Checking is an interest-bearing checking account and all balances earn 0.10 % APY. APYs are accurate as of XX/XX/XXXX and are subject to change at any time.
Fifth Third Bank, Member FDIC.
Email Security Information Email Privacy | Customer Service This email was intended for : XXXX Security and confidentiality of your personal information is one of our highest priorities. We will never request that you provide, update or verify via email your personal or account information, including passwords, Social Security Number and PIN ( s ). If you receive such an email request, please email us at XXXX immediately.
|
| 12/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
In XX/XX/XXXX I filed bankruptcy due to medical bills and loss of income, and during the process I communicated to my attorney that I wanted to keep my car. On XX/XX/XXXX my attorney received a copy of the Reaffirmation Agreement from Fifth Third representative XXXX XXXX. I spoke with my attorney about the form .I signed it and my attorney sent the information to Fifth Third Bank ( see correspondence below from attorney to Fifth Third Bank ).
My bankruptcy was discharged in XX/XX/XXXX, and therefore Fifth Third was now allowed to speak with me about the account, and return my calls. Over a 3 to 4 month period I contacted Fifth Third Bank about rearranging my payment as stated in the Reaffirmation Agreement. They were not willing to work with me and over a XXXX to XXXX period I submitted payments late.
On XX/XX/XXXX Fifth Third Bank reposed my car in the early morning. There were no calls or communications from them regarding their intent. They had my address and phone number, and could have called me to discuss a payment plan per the Reaffirmation Agreement, and my expectations. Based on the information the attorney sent Fifth Third Bank it is obvious that they violated the bankruptcy laws and rules. It is also obvious that they were careless in dealing with this sensitive issue. I called Fifth Third Bank and complained about the process, and to discuss the Reaffirmation Agreement. I was told by XXXX people at Fifth Third Bank ( XXXX a representative, XXXX the supervisor, and XXXX the Manager ) that they did not receive the signed agreement. They all lied about the Reaffirmation Agreement, it was sent to them. They communicated that my attorney would not return their calls and therefore they left it alone. The attorney provided proof that Fifth Third Bank was sent the signed form. We were not getting anywhere with Fifth Third Bank regarding their error. They were rude and cared less about the hardship they created.
On XX/XX/XXXX I went to the bank and paid the car off, and while at the bank I asked the teller if the check would be put on hold. I was told no, and that it would clear that night. Today, XX/XX/XXXX, Fifth Third Bank refuses to release my car stating that we have to wait 5 days for the check to clear, which it cleared on XX/XX/XXXX at XXXX Fifth Third is holding the car because they are trying to correct the error they created, and cover up their violation related to the bankruptcy laws. We were told that they have to follow the bankruptcy rules and laws. This statement confirms that they violated the rules and acted out of greed and malice regarding my car. Please note that I also mailed the signed form to Fifth Third Bank.
Fifth Third Bank careless actions have created a hardship related to : - Transportation to and from work ... causing me to be late and putting my job at risk- Creating unsafe situations- Transportation related to my kids ride to and from school- Fees associated with acquiring funds to purchase the car ... high rate loans due to my bankruptcy -- -- -- -- Original message -- -- -- -- From : XXXX XXXX XXXX ( XXXX ) To : XXXX : Requested information ; XXXX and XXXX XXXX, As requested, please see below a copy of the email correspondences between our office and Fifth Third Bank 's representative, XXXX XXXX XXXX, XXXX. An attorney from our firm had directly forwarded the email sent to us by XXXX XXXX to XXXX, XXXX.
Please let me know if you have any further questions or concerns.
Thank you.
Sincerely, XXXX XXXX at XXXX, XXXX XXXX XXXX, Georgia XXXX. : ( XXXX ) XXXX : ( XXXX ) XXXX : XXXX NOTICE : This email message ( including attachments ) contains information which may be confidential and/or legally privileged. It is intend
|
| 07/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Several months ago, I fell behind with XXXX credit cards due to XXXX. About two months after, I started to get calls from Fifth Third Bank with different phone numbers being used ( one of the creditors ) with immediate following calls from XXXX XXXX XXXX from all over the country. These calls would come in several times a day from this place. I know from past experience after my XXXX was totaled by an uninsured motorist and being put on XXXX that when a creditor hires a collection agency to collect a debt on their behalf, you will get " validation notifications '' informing the debtor they have been hired by?? to collect a debt, name of company they are representing, total amount of debt due, which would be on the letterhead of the debt collector with name, address, and phone number. No such letter has ever been received from any debt collector that Fifth Third Bank has hired them to collect the debt that I owe ( and normally this occurs after some months have passed ). I started to do some research on these phone numbers coming in and have found that the calls being received from who I am led to believe are from Fifth Third Bank or Fifth 3rd Bank as seen on my call log, are coming from a number ( XXXX ). No messages are left by this number, but when I have tried to call this number back, it says that this number has been temporarily disconnect or temporarily busy. My return call does not even go into the back where you would get a greeting such as : You have reached Fifth Third Bank Collections Dept. ; our representatives are busy with other calls, please stay on the line and your call will be answered in the order it was received. This is not the way banks, companies, etc. handle incoming calls in today 's world -- you do not get a message that the number is temporarily disconnected/busy. I filed a complaint against this XXXX XXXX XXXX with the XXXX of XXXX XXXX when I found out they had contacted my XXXX year old Mother who has XXXX and upset her so bad that she thought she had to get an attorney -- my Sister had a hard time getting her settled down after my Sister had talked to me. They asked if she was XXXX XXXX and she said yes and did she have a daughter by the name of XXXX XXXX, what was said after this we do n't know as Mom could not remember ; but found out that a call had come in to her from XXXX of these numbers being used by XXXX XXXX XXXX. I now know that the calls that are identified as Fifth Third Bank or Fifth 3rd Bank ( my statements show the name as Fifth Third Bank, not Fifth 3rd Bank ) are not coming from Fifth Third Bank ; this debt collector is using unfair deceptive business practices and fraudulent collection tactics which I term as a phising expedition to obtain personal information from me. Since filing the complaint with the XXXX of XXXX XXXX, I am now getting calls from XXXX XXXX XXXX and the same numbers as before are coming in from all over the country. These are unscrupulous debt XXXX taking on the identity of Fifth Third Bank to collect a debt that they have not been hired to collect. I have also gotten in a letter, on hot pink paper, saying this was the IRS Negotiations Dept. ( no letterhead such as anything coming from the IRS ) saying they can do whatever at a cost of {$3100.00} with regards to the IRS. I got another letter in on XXXX paper ( no name of company, address, etc. appearing ) to call this number as they collect debts for XXXX, XXXX, XXXX XXXX, etc. This was not a validation notification. This is a scam being perpetrated by this XXXX XXXX XXXX without the knowledge of Fifth Third Bank ( of this I am now sure ). Until such time that I receive legal validation notices, this is a scam that is to cease and desist!!
|
| 01/02/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
Servicemember |
|
On XX/XX/2016, I went to the 5/3 Bank on XXXX in XXXX to exchange currency for an upcoming trip to XXXX. I requested {$500.00} XXXX and was charged {$410.00}. I chatted with the tellers throughout the lengthy process and was never told that the currency could n't be exchanged the same day. When the teller ( I did n't catch her name, but teller # XXXX is on the paperwork ) finished and handed me a slip over the counter, I expressed surprise that I was not receiving cash. The teller then informed me that currency exchange was a two-day process, but that it usually arrived in one day. I reminded her that I was leaving the country in the very early morning on XX/XX/XXXX, but she assured me that the money would very likely be there the next day. I did n't want to drive back to cancel ( the bank was an hour from my work ), but she stated that if it was n't there XXXX she would call me personally and we could cancel the transaction over the phone and put the money back so I could get the currency elsewhere. I was reluctant to accept due to the hour drive to the bank from my work in XXXX, MI, but did so in the face of no other option and assurances from the teller that it would work out. The next day, I did n't hear from the teller by the afternoon. I called and spoke with another teller who was present but did n't complete the transaction, who did n't understand why I was told it could be cancelled over the phone. She took my information and told me she would call me back after investigating the issue. At XXXX, I called back after I had n't received a call and there was no answer. I was forced to exchange another {$500.00} XXXX at another bank who could do it same-day. I left the country on schedule on XX/XX/2016. When I returned, I called on XX/XX/2016 and spoke with XXXX, who tried to help by reversing fees I had n't been informed of and tried to refund {$350.00}. I denied the refund because it was {$55.00} less than I had exchanged, but was informed that because the exchange rate had changed since I 'd requested the money they could no longer refund the full amount of my money. When I pressed, I was told that the exchange could not be cancelled and could only be exchanged back to XXXX at the lower exchange rate. I refused the lesser refund and asked to speak with a manager. The issue was escalated to the branch manager on XX/XX/2016, XXXX ( sp? ) XXXX. XXXX scoffed at my statement that I did n't know I would n't be given the exchange in the same visit, instead claiming that I should have known they had n't exchanged currency in-branch in years. When I responded that I could n't know that unless I was informed, he promised to investigate the issue. I informed XXXX that I was in the military and was about to be XXXX to another base for 3+ months on XX/XX/2016. He promised to contact me the following day. When I was n't contacted, I called back at the end of the day on XX/XX/2016 and put through to XXXX voicemail. XXXX quickly called me back and informed me that they were still working the issue and XXXX would get back to me. I reminded her that I was leaving on orders over the weekend. I did not receive a call back before I left. XXXX called on XX/XX/2016 and informed me on my voicemail that he was n't going to do anything differently, and that I should contact him to get my {$350.00} back. I returned the call when I got the message on XX/XX/2016 and spoke with XXXX. I requested that my issue be elevated to the regional manager so that I could recoup all of my money, and she promised that my information would be passed to that level. This was the last contact that I had regarding the issue. Now that I am back in Michigan, I would like the issue to be resolved.
|
| 12/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I purchased my first solo home XXXX. My mortgage was sold to XXXX who failed to pay my winter taxes then inferred I 'd have to pay the penalty fees. Since they could n't service my mortgage, I requested they sell it to someone that could. They obliged and sold it to XXXX XX/XX/XXXX. I had auto-deducted biweekly payments with XXXX. Before XXXX even got my mortgage info, they told me they could do the biweekly payments as a courtesy because I had that service through XXXX. After multiple calls to various customer service reps and supervisors, XXXX still has inconsistencies in whether or not they do the biweekly payments, it depends on to whom you speak. XXXX has published brochures they send that clearly state on page 5, The terms of the loan do not change. Only who the payment is made to and where it 's sent changes ... .the terms of your loan do not change ... Only your account number and who you make the payment to changes after the transfer date. Clearly this is incorrect when they later informed me I can make biweekly payments but would incur a {$1.00} fee per biweekly payment and I would have to call them to inform them how or where I want the partial payments applied. I have a mortgage with them - how about they apply them to the mortgage! I did not have a fee with XXXX nor did I have to tell XXXX how to apply my payments to my mortgage. Furthermore, I receive monthly statements that clearly indicate they are not bills, that my mortgage payment will be auto-deducted from my financial institution. This is completely false. A XXXX rep and supervisor both confirm I am not enrolled in auto-deduction despite a letter signed by XXXX Senior Vice President, XXXX XXXX XXXX, stating I am. Had I not caught this, this could have had potentially negative consequences to my credit, I could have been assessed late fees, etc. XXXX 's misinformation, disorganization, and per their own admission in correspondence to me that they are " unclear on how to apply these funds '' has left me hugely mistrustful of them. I, a mortgage layperson, should not have to babysit XXXX and tell them how to apply my payments to my mortgage. I also should trust that correspondence they send me is accurate and if it 's not, I expect prompt correspondence of the error. This has not occurred as evidenced by the multiple statements that still indicate XXXX auto deducts payment when my credit union account indicates I manually send them payments. I allegedly filed 2 complaints regarding these issues w/ 2 different XXXX supervisors. I say allegedly because XXXX supervisor XXXX told me XXXX has no formal complaint process and complaints are handled internally, that they do not notify the customer. So I have no proof other than my documentation and a possible call recording on XXXX 's end and certified mail/return receipt that I have filed these complaints. But now I have this and also one with the FTC. I have lost time, wages, and incurred immense frustration in trying to resolve these issues. I have requested to XXXX XXXX XXXX XXXX that XXXX sell my mortgage to a servicer who can accommodate the auto-deducted biweekly payments without a fee and without me having to babysit them to apply the partial payments to my mortgage. I 've also suggested they update their literature and correspondence to accurately reflect the hidden fees and work a customer will have to incur, instill a formal complaint process so the customer can get written proof a complaint has been lodged, and also implement some training for all XXXX phone reps and their supervisors and the supervisors ' supervisors. Please see my attachments for more details and substantiated proof of my complaints. Thank you for your time.
|
| 02/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX of XXXX I purchased a property which has a mortgage that was sold to Fifth Third Bank. At that time, I purchased a homeowners insurance policy from XXXX XXXX for this property. On or around XX/XX/XXXX I switched insurance providers to XXXX. During this week in XXXX I contacted Fifth Third to ask what was required of me in order to change insurance providers. I was instructed to list Fifth Third on the policy and given a mortgagee clause / address. I forwarded this information to XXXX. I have attached a Proof of Insurance document from XXXX showing Fifth Third Bank listed under the mortgage clause.
On XX/XX/XXXX I received a letter from XXXX stating they have tried contacting Fifth Third Bank multiple times regarding payment of the homeowners policy via the escrow account set up through my mortgage account. The letter from XXXX is requesting payment in the amount of {$2400.00} and indicates that if this is not resolved within 20 days then I will be billed personally for the homeowners insurance policy. This letter from XXXX is attached to this correspondence. Additionally, according to my most recent mortgage statement from Fifth Third dated XX/XX/XXXX, there is currently {$3400.00} in escrow. This should be more than enough to cover the homeowners insurance premium. This most recent mortgage statement has also been attached.
On XX/XX/XXXX at XXXX XXXX I called Fifth Third Bank using the contact information provided on my statements. The first representative I spoke with informed me that the policy on record was XXXX XXXX. I stated that my insurance had changed to XXXX. The representative then directed me to their insurance department line ( XXXX ) to correct my information where I then spoke to a second representative. The second Fifth Third representative then told me that my listed insurance provider was already listed as XXXX. She then confirmed that Fifth Third Bank had in fact already received the bill and quoted me the exact amount ( {$2400.00} ) listed for the premium. Then she told me that the payment of the policy was caught up in processing and that Fifth Third would be contacting XXXX directly to figure out how to pay them.
I waited 48 hours as a courtesy, and then contacted XXXX around XXXX XXXX the night of XX/XX/XXXX. I was told by XXXX that they had still not received payment, and that no one from Fifth Third had contacted them. I was also told that they have been sending invoices for payment since XXXX of XXXX. Afterwards, I asked for advice on how to proceed and was instructed to call XXXX the following week to set up a conference call between myself, XXXX, and Fifth Third Bank to get the matter straightened out.
I contacted XXXX around XXXX XXXX the morning of XX/XX/XXXX. At this point, XXXX, a representative for XXXX, and I called the number ( XXXX ) for the insurance line at Fifth Third Bank. We sat on hold for over an hour with no answer before hanging up. XXXX then tried to call the main Fifth Third phone line. After sitting on hold for another long period someone finally answered and then directed him to the same number we had already tried for the insurance department. XXXX then took my number and told me he would continue trying, and that he would call me once he got someone on the line. XXXX updated me repeatedly throughout the day and was never able to get anyone from the insurance department to pick up the phone. Due to the time sensitivity of this matter, and the continued inaction on Fifth Thirds part, I have decided to file a complaint against Fifth Third Bank in hopes of expediting payment to XXXX and avoiding personal charges for insurance that I have already paid for through my escrow account.
|
| 08/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
We have our mortgage loan with 5th 3rd Bank. On XXXX XXXX we left for a 2 month vacation in XXXX. Our mortgage payment at the time was {$2200.00}. Our bank is set up to send the {$2200.00} every month. On XXXX XXXX ( XXXX date ) I decided to check our phone messages for voice mails. We did n't have anything important, but I did notice that 5th 3rd Mortgage had called several times, but never left a message. I decided to call to inquire why they had called. They informed us that our XXXX and XXXX payment was not paid in full. They said we were showing late, but late charges had been charged. I spoke with XXXX and she stated that due to the time of the day she could only take the amount needed to make up the difference to make the payments in full. She took a payment over the phone of {$200.00}. She stated that the payment would be made in full and everything would be fine. She stated that I would need to call when they were open and pay the escrow shortage if I wished. I called the following afternoon and paid the {$700.00} in full and asked if we were being reported late to any credit bureaus and were we being charged late charges. She stated that there were no late charges as this was obviously an error and that if we were reported late that 5th 3rd would fix that for us. I said I would call when we returned to the states on XXXX XXXX and make sure everything was taken care of. I called on the XXXX and was told that they never made our XXXX payment, but she would fix that and make sure everything was paid correctly. I inquired again in regards to late fees or any 30 day late being reported to the credit bureaus and she said " This call is being recorded and if we reported you late to the credit bureaus we will fix it for you. '' She assured me that everything would be fine, but I should follow up on Friday XXXX XXXX just to make sure. I called again on XXXX XXXX and spoke to XXXX in the mortgage deparment. She let us know that payments were all made in full and that the escrow payment had been received. I also asked about late fees and credit reporting of any late payment and she stated that they would not fix the credit bureau and if I wanted to talk with a supervisor she would connect me. I did request to talk with a supervisor and I was put on hold. She came back several minutes later and said her supervisor XXXX was in a meeting and that he would call me back within 48 business hours. XXXX did not call us back. I called back today XXXX XXXX and spoke with XXXX. She stated that no late charges were levied against us and that would be the only thing that would prompt them to report to a credit bureau and that since were were n't charged any late fees that it was highly unlikely we were showing 30 days late. I informed her that we have a credit monitoring service and I would check. I did check and it was showing us 30 days late with XXXX, XXXX and XXXX. I called her back and she stated that she would submit a request to fix the credit reporting error, but that we would have to wait 7 business days with no guarantees that they would fix it, but that she would put in the request. I asked again why they stated that they would fix it two other times and she had no answer. Again, no phone calls were ever left for us in order to correct the situation and we were not receiving mail in XXXX. Also, the letter we received in regards to the escrow shortage was dated XXXX/XXXX/16, but the envelope had a stamp date of XXXX XXXX, 2016. It does n't appear that it was lost in the mail, but rather not mailed out until XXXX. Please let me know what we need to do in order to correct our credit bureaus and restore our unblemished credit score. Thank you.
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I opened a mortgage as a refinance of an investment property with XXXX XXXX that after funding was serviced by XXXXXXXX XXXX. In XXXX of XXXX XXXX Mortgage was dissolved and the mortgages sold. I had my account set to autopay, and XXXX processed the XXXX payment. After that, when logging in to my account at XXXX, the only information I could see was that the loan was closed. There was no information on who purchased the loan or where it was being serviced.
In XX/XX/XXXX after still having no communication regarding the status of my mortgage, I pulled a full credit report from myfreecreditreport.com which showed that my mortgage had been " PAID '' and was " TRANSFERRED '' with no further information.
In XXXX of XXXX, I began receiving phone calls from an unnamed XXXX # at XXXX every other day or so. This is in the middle of me trying to get my kids to school so I don't answer. After about a month of this pattern, I finally answered the call. I was informed by the caller that they were from the loss mitigation department of XXXX Bank and proceeded to ask me to verify my mailing address and Social Security XXXX to verify that I was the person they were trying to reach. I declined stating that they had called me and that I did not have a mortgage with XXXX XXXX. They hung up. The calls kept coming same time. I went to the title company and had them pull the title record for the property, in late XXXX. When I got that report I finally had information that XXXX Bank did now own my mortgage. The next time I got a call from the XXXX number a day or XXXX later, I answered and confirmed that I was the person they were trying to reach at which point they informed me that my mortgage was 4 months delinquent and they were scheduling a foreclosure and that notice had been sent to the property. I stated I didn't live there and had never lived there since it was an investment property. I then asked them to confirm the contact information for the file. It was then I learned that they had been contacting me at an old cell phone number that I hadn't had in years. The address on file was a rental I lived at in XXXX. Both the number and the address were over XXXX XXXX XXXX. I then recalled in college my car loan was through XXXX and that the address and number they had were both linked to that XXXX car loan.
I then had to have XXXX different calls with XXXX just to get them to update my contact information and confirm that I was in fact able to make payments on my loan. I then showed them screenshots of my contact information from what was on file at XXXX which was correct. XXXX did eventually agree to remove the XXXX late fines, and {$20.00} property inspection fee, and set my account to current. Finally, in XXXX of XXXX I received my first bank statement from XXXX and was current.
I have been able to get corrections on my XXXX XXXX XXXX that removes the late payments. However, I have not been able to get the cooperation necessary to get these errors removed from my other XXXX reports. I have contacted XXXX for assistance in correcting these errors XXXX different times. The first time the sales representative stated that she was only authorized to remove charges from the account and could not assist with having the erroneous late payments on my credit reports. I asked for a XXXX and was hung up on. I called a second time and went straight to a XXXX who also stated that it was not possible to correct anything on my credit report. I hung up. I called a third time and went straight to a supervisor. I was again told that despite my evidence, XXXX would not admit it was a bank error and remove the late payment markers from my credit reports.
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
OVERVIEW : My wife and I have never missed a payment on anything ever. Until the inaccurate information posted by Firth Third Bank was filed to our credit report, our credit scores were regularly in the XXXX 's with sizable income > XXXX per year. We always pay off our monthly credit cards in full, have no car loans, student or medical debt. We have a mortgage, a solar panel system loan and that's it. We have cash reserves that cover the mortgage balance and the solar loan but choose to invest this cash elsewhere. We are not a credit risk. And yet due to this inaccurate information our credit scores dipped into the high XXXX 's and we have had to recently withdraw attempts to purchase a new home. The incorrect information posted to our credit report is egregious and inflammatory and inaccurate information of this magnitude should be removed as it is malicious.
HISTORY : In XXXX we purchased a primary residence in XXXX, Texas. Fifth Third Bank bought the loan and became the loan servicer. Automatic mortgage and property tax withdrawals were set up and were never missed.
In XX/XX/XXXX we temporarily moved to our second home in XXXX XXXX, Texas due to XXXX ( our child was high risk and we needed to move to a lower risk/population density location ). We rented out our XXXX property and paid for mail forwarding. We never received any notice from 5thThird Bank at our new XXXX XXXX address, despite getting many confirmations of mail address changes from our primary financial institution ( XXXX XXXX - thank-you XXXX for doing your job well ). In XXXX of XXXX we moved to XXXX XXXX, Nevada and sold our XXXX XXXX secondary residence. Again we paid for mail forwarding to our new XXXX XXXX address and received address updates from XXXX XXXX and many other service providers- as is typical when one pays for mail forwarding notifications. Again, we received no new statements or notices from 5thThird bank. In XXXX of XXXX, we sold our XXXX residence and paid off the XXXX Mortgage to 5thThird Bank. We no longer own the property and the loan is paid off in full.
THE ERROR/PROBLEM In XX/XX/XXXX, in spite of regular and continued auto payments to our mortgage, we got a notification that our credit score had plummeted and upon investigation discovered Fifth Third bank claimed we had missed a mortgage payment. After calling the bank, they shared with us our ESCROW PAYMENT had changed by about {$35.00} and thus our auto-pays were short by that amount. In the attached statements, it's even more egregious that as monthly payments continued to process automatically, FifthThird Bank began to label them as unapplied credits. How on earth can there be unapplied credits but unpaid mortgage?
We did not receive any formal attempts to contact us about the property tax escrow change ( no letter mail, no email or confirmed calls ). When we eventually spoke to their management, we shared that the mortgage payment never changed and was always paid on time, and that the escrow payment was a separate payment that wasnt even due yet for taxes. However, they claimed their internal policy was that both payments constitute a mortgage payment and they would not remove the missed payment from our record.
We are arguing that this was an extreme and malicious approach to a mild and easily solvable situation that originated due to their error. In no world was our mortgage payment late. And their lack of attempts to make us aware of the change was underwhelming. And at the end of the day the FACTS are inaccurate. We had an approx {$70.00} miss on our escrow payment. But we were not late on any mortgage payment and to say we were is a complete fallacy.
|
| 06/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
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On or about XX/XX/XXXX, I received notice from Fifth Third Bank ( 5/3 ) that my mortgage was in foreclosure. I was shocked and confused as my mortgage is paid automatically every month via my XXXX checking account. When I checked my bank statements, every check had been cashed. As I later learned, 5/3 had cashed my mortgage payment, but refused to apply it to my loan because there was a shortfall in the escrow account of approximately {$80.00}.
As of about XX/XX/XXXX, 5/3 said that I had missed 2 payments ( both due to same process ). However, I still had not received a reimbursement of my 'non-applied funds ' so had no idea that my two payments of {$1500.00} had not been applied, NOR did I have the use of that money, since the payments were cashed by 5/3! I received the first of these reimbursement checks literally one or two days after this happened. It was dated XX/XX/XXXX - and this was about XX/XX/XXXX!
I had not received a call or an email on this IMPORTANT matter so I immediately called Fifth Third, and was told by a VERY rude and condescending representative that they sent me a letter. Unfortunately, I missed this 'letter ' because I receive SO MANY SOLICITATIONS from them asking me to refinance my loan, that I have essentially been trained to ignore them. Mind you, this notice was sent in the exact envelope that their junk mail was in - it was not marked any differently than a solicitation.
After numerous calls and long hold times, I was told that they don't email regarding a foreclosure ( although they emailed me about other topics so they had my email address ), and they tried to call me, but that the phone was disconnected. It wasn't - they had my phone number incorrectly documented in their files.
In late XX/XX/XXXXor early XX/XX/XXXX, someone came to my door and asked my name and confirmed that I was living in my home. I asked what it was about, and he said it was no problem, just that 5/3 was confirming that I lived there. I asked again if everything was ok, or if I needed to do anything and he said no that it was just routine. In hindsight, I should have called 5/3 to verify, but he reassured me that all was fine. I double checked my bank and confirmed that my checks had been sent on time and had been cashed ( and I work two jobs and am a single mom ), so I went about my day. So apparently 5/3 was willing to PAY someone to come here to see if I was living in my home, reassure me that nothing was wrong, but couldn't be bothered to send an email, or send a letter that presented as something other than their standard bi-weekly solicitation, or do a quick google search or phone book check to get my correct phone number. I'm listed.
I have had my mortgage with 5/3 since XX/XX/XXXXand have never missed a payment, nor have I ever been late for a payment.
5/3 reported to the credit bureaus that i had two payments that were past 30 days late, so my credit rating plummeted about 200 points!! I requested from the supervisor to have those reports rescinded once I paid all their penalties and immediately transferred them both of my payments. At this point, I am still out of pocket FOUR mortgage payments. I have called and attempted to escalate and was repeatedly denied. I am appalled at the treatment that I received and will NEVER do business with this company again. After more than a year of working two jobs, I finally have restored my credit ( but still have 2 mortgage payments past 30 days showing up ) to the point that I can refinance my mortgage. Even if it costs me a little more to refi - I don't care - it will be worth it to get away from this disreputable and ANTI-customer service company.
|
| 03/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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Web |
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Previously sent email addressing the problem. No response : Dear XXXX XXXX, I am writing you at the recommendation of a banking friend, since I am at wits end dealing with 5/3 Bank and my account with them.
I held a 5/3 credit card until XXXX, at which point I left the XXXX for XXXX. I continue to carry a balance on that ( closed ) credit card account, and have been making monthly payments ever since via my XXXX checking account. All was well until XX/XX/XXXX, when 5/3 seemed to have made an online system update. My XXXX payment info was deleted in this update, and I kept receiving error messages when attempting to re-add it to make my monthly payment. I have had to call 5/3 every month since XXXX to make a payment, which in and of itself is a dreadful experience : 1 ) the average hold time is an hour or more ; 2 ) you frequently are assisted by a representative who is difficult to understand.
3 ) Since I no longer have an active card, I get the runaround from customer service : transferred from one department to the next with my call dropped in the process more often than not and thus having to start the whole process over again. My own working hours are the same as those of 5/3s customer service line, and I am unable to spend hours monthly to make a simple payment.
This was difficult enough to deal with on a monthly basis, but it got worse : since XXXX, I have attempted to call customer service to make my payments, but am told ( again, after a hold time of at least 40min to an hour ) that this account is now being handled by the fraud department. I am mystified by this : the account has been closedhow is fraudulent activity possible? The customer service representatives are never able to tell me, but insist that only the Fraud Detection department can help me. I am then transferred to this Fraud Detection Departmentand 100 % of the time, my call is dropped in the transfer. I then start from scratch : call in, wait on hold for an hour, then told I can not be helped by anyone but the Fraud Detection department and then, call dropped in transfer. I have tried to communicate the fact that my calls continuously get dropped in transfer, but to no avail.
I have had only a single day in XXXX where I was available during the customer service business hours to attempt to deal with thisafter 6 hours I got simply nowhere. I couldnt even at the very least make the needed payment, not to even mention understanding what the source of the issue is. Today, XXXX XXXX, I spent 5 1/2 hours on thisand with zero result. I work a full-time job as a XXXX and XXXX at the XXXX XXXX XXXX XXXX XXXX my time is valuable and I simply dont have a day to spend on this every month. It would be marginally bearable if at least I got a payment made at the end of these immensely frustrating phone calls, but my account is now two months overdue. I will suffer credit damage, and none due to an error of my own.
At this point I would prefer to transfer the remaining balance over to a XXXX credit card to pay off, but without my account number I am unable to do so. The account has been closed for so long I no longer have access to an account number.
I would settle for being able to set up monthly automated payments, but also that is currently impossible.
I received the email below today, and called the number on this communication. I was again put on hold, but gave up after 1 hour and 20 minutes.
This is an impossible situation and I hope you can assist me in sorting this out. Otherwise I am left with no other options but to file a consumer report again 5/3.
Your time and attention is much appreciated.
Kind regards, XXXX XXXX
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| 09/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have a mortgage with Fifth Third Bank, NA ( the " Bank '' ). In or about XXXX I notified the Bank that my mailing address and telephone number were changing and that hte Bank should send all future correspondence should be at my new address and phone number. The Bank sent me written confirmation that all future communications from the Bank regarding my mortgage would be sent to the new address ( XXXX XXXX, XXXX XXXX, XXXX NY ) and telephone number ( XXXX ). See Exhibit " A ''.
Thereafter, in or about XX/XX/XXXX, the Bank increased my monthly payment by about {$40.00} based upon their annual escrow analysis. However, the Bank inexplicably sent the annual escrow statement with the required notification of the monthly payment increase to my old, inactive address that I had advised them not to use ( XXXX XXXX XXXX ) and that they confirmed in writing that they would not use. As a result, I never received the annual escrow statement and was never notified about the increased payment until after they had deemed my usual payment insufficient and late.
When I inquired into why this occurred, the Bank advised me that they made efforts to contact me by telephone when my payment was insufficient to satisfy the new higher payment amount. However, when I inquired further, the Bank admitted that the phone number they had used to attempt to contact me was the old disconnected phone number, despite my having provided them with a new phone number to use, which they confirmed in writing. In fact, the Bank did have my correct phone number on file, but it had had listed it on my account as " Phone Number 2 '' and never attempted to call it. Instead, the Bank called the disconnected number on multiple occasions even though each call was met with an automated " this number has been disconnected. '' After it had not received a payment in the exact amount of the new monthly payment for 30 days, the Bank reported my account as having a " late payment '' to the credit reporting bureaus, and charged me late fees. Only then did the Bank send a notification to me via email informing me of the issue, but by then it had already been reported to the credit reporting agencies as late.
As a result of the Bank 's errors, my credit report now indicates that I had one late payment. This is the first and only late payment I have ever had on my credit history, to include the 11 years I have ceaselessly made timely mortgage payments to the Bank.
I have spoken with numerous supervisors at the Bank. They confirmed that the Bank sent the annual escrow statement and notice of the increase in my monthly payment to the wrong mailing address. They also confirmed that the Bank had only attempted to call me by dialing a number I had previously notified them was no longer in use, despite the Bank having my correct phone number and email address on file. Despite the Bank admitting to these errors, it refused to have the late payment removed and/or to notify the credit reporting bureaus to do so. My credit score thus declined over 40 points as a result, seriously compromising my efforts to purchase a first home for my family.
Under New York State regulation, 3 NYCRR 419.4 and RESPA, the Bank was required to provide me with an annual mortgage escrow statement and failed to do so, proximately causing the allegedly late payment. The Bank was also required to honor my request ( which they confirmed in writing ) that it contact me at the address and phone number I duly provided. It's failure to do so, and subsequently charging me late fees, constitutes the precise sort of fraudulent and unfair practice that this agency exists to redress.
|
| 02/09/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I would like to file a formal complaint against Fifth Third Bank for unethical business practices and abuse of power. My account is often over drafted. In accordance with Fifth Third business practices, they have habitually and consistently paid my overdrafts and assessed my account fees accordingly. Within the past 5 months, approximately, their business practices have noticeably changed. Not only was I not notified of any changes to my particular account but it has cost me substantially more fees and distress. Of the fees assessed in XX/XX/XXXX, approximately XXXX % were assessed XX/XX/XXXX. There are XXXX particular sets of circumstances that cause me to file this complaint. First, Fifth Third Bank has returned payments and charged me a fee ; the same merchants have re-presented the same payment, Fifth Third has then paid the merchant and charged me another fee. Between the times the merchants presented the transactions, nothing has changed on my account. When I asked the question of how this determination is made to pay or not pay a transaction, I was told that my overdraft protection changes on a day-to-day basis. Hence, the unethical business practice.
I was later told that my overdraft protection was {$2500.00}. Payments were returned and fees were assessed when I was below this limit. This not only falls under unethical business practice but abuse of power of a large corporation over a consumer as I have absolutely no way to get my money back or to stop them from continuing this atrocious business practice. My initial communication regarding this situation was directly to the Office of the President via e-mail on XXXX XXXX, XXXX. I received a letter dated XXXX XXXX, XXXX indicating that as a courtesy, XXXX fees were reversed and enclosures included a copy of the Fifth Third overdraft solutions and Early Access terms and conditions, not answering any of the questions I had which included, what is the exact amount of my overdraft protection? And what had changed in my account within the past 5 months to create this new problem of even more and inconsistent application of overdraft fees? Upon receiving this letter of XXXX XXXX, I sent another email to the Office of the President on XXXX XXXX asking these questions again and requesting complete answers. When I had not received a response, I sent another request on XXXX XXXX, XXXX, not knowing that Fifth Third does not reply to e-mails directly, rather by US Mail due to privacy concerns. At this time, I received a response via telephone saying that the request has been received and they would review my concerns and respond.
I then received a letter dated XXXX XXXX, XXXX indicating that my overdraft coverage was {$2500.00}, XXXX XXXX was no longer with the company, there are no plans to discontinue Early Access, there was no record of my phone call to customer service, and no additional fee reversals would be forthcoming.
On Thursday, XXXX XXXX, XXXX I contacted XXXX . XXXX XXXX in the Office of the President via telephone and asked to escalate this situation to her supervisor. I was transferred to XXXX XXXX XXXX who was aware of my situation and agreed to review the file again. Today, XXXX XXXX, XXXX, XXXX XXXX called me to advise that there would be no further fee reversals on my account. She said that the overdraft protection was n't meant for the manner in which I 'm using it, rather, for such instances such as travel emergencies. My contention is that may be their intention but they have implicitly agreed to my use by honoring the drafts historically. Hence my letter to discuss the unethical business practices of Fifth Third Bank.
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| 04/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
Older American |
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I deposited a check from my husband XXXX XXXX credit union account into our joint bank account at Fifth Third Bank on XX/XX/. The amount of the check was for {$1.00}, XXXX. In error, my husband wrote the written amount for {$1.00}, XXXX but he wrote the numeric amount for XXXX, XXXX. I made this deposit by mobile phone. When the bank actually received the check, they debited and adjusted the check by {$500.00} leaving me with a deposit of only {$1.00}, XXXX in my checking account on the XXXX. I went to FIFTH Third bank on the XXXX and spoke with the teller who told me that I would have to get my money back from my husband credit Union Bank who she said denied the XXXX and only cleared the check for {$1000.00} even though I showed her that the check had cleared my husband credit Union bank account. I explained to the teller there is no way a bank can clear a payment for less than the numeric amount shown on the check and no way for his credit union bank to reflect the adjustment on his account to show a credit of XXXX on a check for XXXX. I then went over to the bank manager XXXX XXXX and she agreed with what I said but said it's been a long time since she had something like this happened but wasn't 100 % sure what to do. She said she would have to find out by speaking too someone else at the bank. The manager, XXXX XXXX said she will probably have to talk with the teller to find out how to handle my issue. She had the same teller that I spoke with before speaking with her to call me and tell me that I would have to get the {$500.00} back from my husband credit Union Bank. I provided them with my husband credit Union bank statement, the original and copies showing the check cleared his bank and paid the {$1.00}, XXXX. I had two other bills that I needed to pay and this really put me in a bind. I have yet to receive the {$500.00} owed to me. We spoke with the manager at my husband credit Union Bank and she said the check cleared and they paid the {$1500.00} to Fifth Third just like it shows on the statement. She said there is no way that they can pay less than what the numeric amount is on the check. Fifth Third have had my {$500.00} over a month now and has refused to pay me the money owed when they seen clear evidence that they were paid {$1.00}, XXXX. I even asked Fifth Third to show me that they only received {$1000.00} and they refuse to show me that. I just want to receive the {$500.00} owed to me. This is the second issue I have had with this Bank and I am in the process of thinking about closing my account with them. The last incident I had with Fifth Third was years ago when I went to withdraw money through the drive-thru and I let it time out before I pulled the money from the tray. The money was pulled back into the ATM machine. I had to withdraw the amount again. I called the 800 line because it was after hours and the Fifth Third agent told me that when they count at the end of the day the extra funds would be left over and the money will be refunded back to me. They refunded the money and then came back and debited me for it. I requested them to pull the video on the camera so that they could see that I did not retrieve any money from the ATM. They told me that it wouldn't show anything on the video and refuse to let me see the video. I lost that {$65.00} and they never gave that back years ago either.This is a very deceitful banking institution and I have had enough. Please help me get my {$500.00} back and stop this bouncing me back and forth from bank to bank when the evidence on the bank statement clearly show that Fifth Third was paid {$1500.00} and not XXXX, XXXX.
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| 03/29/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Hi, This complaint is in regards to my business checking account ending in XXXX with Fifth third bank under XXXX XXXX XXXX. This business account has been opened since XXXX. I have never had any issues until recently. Back on XX/XX/XXXX, i received an email stating my business bank account was overdrawn. I logged in and saw that it was overdrawn on two business accounts one XXXX XXXX and the other XXXX XXXX XXXX. Immediately I logged in and i saw a negative balance for over $ XXXX for one account and $ XXXX for the other. I saw that next to it the account was marked fraud. I called my bank once they opened to get assistance in finding out what it was and what happened. I originally called the customer service line and they informed me I needed the disputes department. Disputes department said I needed business banking and then business banking said I needed the disputes team. So the transferring went on for a while until I finally stopped the next person who was foreign and asked them not to transfer me any longer. She said she was filing a dispute and I would hear from someone within XXXX business days. Long story short I called back no one called me when i gave the next person my disputes number they said that that case # didnt exist. So proceeded in giving me a new case number which I then submitted proof of the clients purchase order with her business partner. During this time they sent me copies of the checks in question. Next to the checks it was listed as altered fictious for checks dating back to XX/XX/XXXX. This really had me anxious because the checks were all pass 30 days old and nothing was flagged prior from my bank or the other persons bank. I proceeded to reach out to the client that wrote the checks and she blocked me on social media. My first thought was if your claiming fraud to your bank you should be interested in speaking to the business that the checks were written to. I sent my bank proof of purchase for the hair products. The client was working with a business partner in XXXX a logistics company called bandggroup. Which comes as no surprise the client in question traveled to XXXX for mission trips from what i could tell from social media. I even looked up her and her husband on XXXX to confirm they existed. When these checks were deposited months ago i never sent product right away and I even asked the tellers to put holds on them to make sure they cleared. The disputes team handled the dipsutes and reversed the funds back to my account. Fast forward two weeks later the bank pulls another $ XXXX out of a completely different business account and freezes my funds and takes everything again~!! Not once have they even contacted me to tell me about these issues. I spoke to over 7 people at the bank and two local branches. No one seems to be able to tell me anything. One of the branches even mentioned they were marking fraud on my accounts! I am the victim and i'm being treated like the criminal. I would think bank protection would reach out to me by now with everything that was going on with my accounts. So now i'm petrified to bank with and have closed my accounts and insisting our non profit move funds to another institute as well. I just wish someone would help me with this situation because its causing problems for me to even run my business! I feel that the real criminals are getting away with this. I even asked my bank what is XXXX saying the client said about the checks i have no idea what altered fictious mean and i wasnt even contacted to show proof of what I had and what had been purchased. I have all purchase orders and shipping details if needed.
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| 11/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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- I am power of attorney for a checking account in XXXX that belongs to my mother and I live in a different state, I provided the bank the Power of Attorney documentation and have had access to her account for several months up to now.
- I made a large deposit into my mothers checking account on XX/XX/2023 - I have a legal Personal Service Agreement set up to help manage the large amount of funds that were deposited that requires the funds to be placed in a separate checking account per advisement of the lawyer that set up the Personal Service Agreement.
- I corresponded with my mothers checking account bank branch representative regarding how to transfer this large amount of funds into a new checking account with a different institution to help manage the funds separately for the Personal Service Agreement since I am in different state and can not visit a branch to facilitate a cashiers check or wire transfer.
- The branch representative for my mothers bank suggested that since I am power of attorney and can sign for her account that I write a personal check to myself to facilitate transfer of funds for the Personal Service Agreement at which time, the bank representative mailed checks to me as power of attorney for the said account.
- Upon receipt of checks, I wrote a check to myself and deposited into the new checking account under my name so I can manage the funds within the parameters of the Personal Service Agreement.
- Per the language within the Personal Service Agreement, I wrote the a check for the amount listed in the agreement which happened to be for over the amount that was actually available in my mothers account, this was an administrative error due to lack of oversight by me and the check was returned.
- I then wrote a second check for a lesser amount leaving funds in the account at which time, my mothers bank from which the check was written put a STOP pay on this check due to suspected FRAUD by me and did not attempt to contact me regarding the situation.
- This action triggered my personal banking institution to cut me off from access to my bank account and my funds causing detrimental personal financial repercussions and intense stress.
- Additionally my mother is currently in hospice care and anticipated to pass away therefore I am under extreme personal duress in addition to this financial complication.
- I contacted the fraud department for my mothers bank, I explained the situation and sent them a copy of the Personal Service Contract that has been drafted by my lawyer.
- I explained to my mothers bank that my personal banking account has been blocked and additionally that my mother was in XXXX XXXX and would be passing away eminently and I needed a resolution quickly to help facilitate proceeding with the Personal Service agreement on her behalf and upcoming funeral costs.
-The representative from the Fraud Protection department at my mothers bank informed me that the account is under investigation and I would receive a call within XXXX days and they would not provide any further information.
-Despite explaining the urgency of my situation my mothers bank is unwilling to assist me in finding a resolution quickly while holding the funds XXXX and perpetuating adverse consequences in relation to the hold placed on my personal bank account of which I have been a member for XXXX years, causing extreme distress and inconvenience to manage my life affairs. My bank advised me to file this complaint due to the lack of attention to this individual situation and the unreasonable length of time it is taking to prove a resolution on my behalf.
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| 12/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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Dear XXXX, I am writing to officially file a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a serious matter involving Fifth Third Bancorp XXXX XXXX XXXX XXXX ( Exact name of Registrant specified in its charter ) XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX Address XXXX principal XXXX offices ) Registrant 's telephone number, including area code : ( XXXX ) XXXX XXXX ( I.R.S. Employer Identification Number ) The issue at hand raises significant concerns regarding potential violations of the Uniform Commercial Code ( UCC ), Securities and Exchange Commission ( SEC ) regulations, XXXX XXXX XXXX XXXX ( XXXX ) regulations, and alleged securities fraud. The details of my complaint are as follows : Payment Instrument Submitted : On XX/XX/XXXX and XX/XX/2023, I submitted a negotiable instrument for payment to Fifth Third Bancorp in full compliance with legal tender guidelines. The instrument was restrictively endorsed to the company and sent registered mail XXXX XXXX XXXX, accompanied by specific processing instructions, as prescribed by XXXX CFR XXXX. Company 's Response and Actions : Regrettably, Fifth Third Bancorp has neither applied the payment to the account nor returned the negotiable instrument, which is mandated by law. Furthermore, the company has continued to contact me for payment despite my attempts to rectify the situation. Adverse Action on Consumer Credit : Adding to my concerns, Fifth Third Bancorp has taken adverse action against my consumer credit, which, based on my understanding of applicable laws and regulations, they XXXX not have the authority to do. XXXX Title XXXX Violation : In accordance with the Uniform Commercial Code, Title XXXX, the non-application of payment in a timely manner constitutes a breach of contract. Consequently, the debt should be considered XXXX, and my consumer credit should have been updated to reflect " paid as agreed. '' Allegations of Securities Fraud : I suspect that Fifth Third Bancorp may have improperly retained the security interest for themselves, potentially giving rise to allegations of securities fraud. Such actions, if proven true, raise significant concerns about the company 's ethical conduct and compliance with federal regulations and securities laws. Given the gravity of this situation and the potential violations of consumer protection laws, federal regulations, and securities laws, I believe it is imperative that other relevant regulatory bodies be involved in investigating and addressing this matter. Specifically, the Federal Trade Commission ( FTC ), Securities and Exchange Commission ( SEC ), Financial Industry Regulatory Authority ( FINRA ), and Internal Revenue Service ( IRS ) may need to take action to ensure that consumer rights are safeguarded and any alleged misconduct is thoroughly examined. Despite my attempts to communicate with Fifth Third Bancorp and my requests for the application of payment or the return of the instrument, the company has not responded or addressed this matter as of the date of this complaint. I respectfully request that the CFPB initiates a comprehensive investigation into this matter involving Fifth Third Bancorp to determine whether the company has violated any federal regulations, consumer protection laws, or securities laws. Additionally, I urge the CFPB to collaborate with the aforementioned regulatory bodies, including the FTC, SEC, FINRA, and IRS, to ensure a thorough examination of this matter. Thank you for your prompt attention to this serious issue, and I anticipate a timely resolution to protect consumer rights. Sincerely, XXXX XXXX XXXX
|
| 09/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
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*On XX/XX/XXXX during a chat with Fifth Third Bank, I requested loan history since statements were not available online. We noticed that the amount due was now showing {$730.00} which was more than the previous amount of {$660.00} that we usually paid as well as an additional principal payment of {$35.00} bringing the monthly payment to {$700.00}. We were told that was because the monthly payment was always {$730.00}. Allegedly fifth third claims a XXXX requested the account be adjusted which their website shows happened on XX/XX/XXXX & a letter received says the request came on XX/XX/XXXX. ( Per a supervisor on XX/XX/XXXX who confirmed these calls were recorded but whose name was not gotten due to be hung up on, claims that this alleged requests moved our fund from the principles to past payments that were already made on time? ) *On XX/XX/XXXX we went to the website to try to pay {$660.00}, knowing we had only selected Regular payment {$660.00} via their website then we entered {$35.00} by doing our own calculations to add to the principle, we discovered it would not allow you to pay less than what is shows the regular payment is. Thus proving that their website must have in fact showed at one time {$660.00}. We were told we must be mistaken. For good measure, we went back on XX/XX/XXXX & the website now showed {$710.00} Regular Monthly Payment- I requested loan history via phone that I never received and I was told that there were no notes on our account from my previous contact on the 6th. That the account was short by {$83.00}. I asked for clarification because that math was not adding up. I was directed to the loan history which would take 3 business days and could only be faxed or mailed XXXX - Letter received stating a request was made on XX/XX/XXXX ( see above ) * On XX/XX/XXXX I called again to request loan history, I was told again that no notes were on the account and that they were not sure why we received a letter. XXXX states extra principle payments go to principle but also are applied to next months payment knocking it down, not knocking down the end of the loan. I ask for transfer, Transferred to XXXX ( employee ID XXXX confirmed recorded calls ) repeated that loan history takes 3 business days. Stated principle payments only go to principle not lower the next months due.
XX/XX/XXXX - Received loan history documents. Now show Loan payments, Curtailments, & Micr payments. I called. & XXXX who refused an employee ID also refused to explain what the difference in this payments were. After asking for a supervisor 3 or 4 times, finally transferred me to the Lady who seemed helpful at first before she ended the call when I inquired about who authorized our account to have adjustments made & I made it clear that I had screenshots of conversations. Then began a 2 hour long calling & chat session or trying to get anyone on the phone to request the legal departments contact information which they are outright refusing to give me. When XXXX cal customer service & enter our account number, we are placed on a brief hold before being hung up on. I have multiple recordings of this.
Unfortunately, It has taken this month of horror to do a simple XXXX search of this terrible bank & their practices to see that it is not just us, there are THOUSANDS they are doing the very same to. I would be shocked to find out more havent filed against them. I will be writing on every forum encouraging those who dont know where to file with Consumer Finance and their Attorney General of their state because this is wrong & should not be tolerated!
XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I HAVE RECEIVED THE CREDIT BACK BECAUSE I MADE TRANSACTIONS OF XXXX AND XXXX THAT I NEVER RECEIVED AND THE BANK ALLEGEDLY WERE FUNDED ME MY MONEY WHILE THE INVESTIGATION WAS PENDING BEFORE THAT TRANSACTION HAD A {$80.00} TRANSACTION ORIGINAL IS IT TO COME IN TO XXXX I TRANSFER MONEY USING A XXXX XXXX APP THE FIFTH THIRD SOLICITS IT HAS GIVEN ME RUB HEATED DESPICABLE ON UNBELIEVABLE HARMS ALREADY JUST OPEN IT UP MY BANK ACCOUNT AND I HAVE THE EVIDENCE I'M UPLOADING AS ATTACHMENT PROOF THAT I COPY PASTE IT I'M BEING CHARGED NOW WITH OVERDRAFT FEES AND FOR SOMETHING THAT SHOULDN'T BE CHARGED OF OF {$120.00} THAT SHOULD BE REMOVED AND WAVED IMMEDIATELY I CONTACTED MY VIRTUALLY APPEARS WORTHLESS BANKER AND THEY DID NOT HANDLE THE BUSINESS AND CONTROL THE FUNDS AND FOLLOW DIRECTIONS AND INSTRUCTIONS AS TOAD I REMEMBER TRANSFERRING OR TEMPTING AS A XXXX TO TRANSFER XXXX BOX OF XXXX BUCKS OF SOUL FROM MY CHECKING ACCOUNT TO MY XXXX ACCESS CARD ACCOUNT BUT SOME UNDISCLOSED FEE OR PENALTY BY BOTH THE BANK IN THE BANKING APP FAILED TO DISCLOSE TO ME THAT I HAD COMMITTED SOME KIND OF BANKING CONSUMER PROBLEM OR SITUATION WITHOUT KNOWING BUT I'VE BEEN CHARGED FOR SOMETHING AND WHEN I CHECK MY BANKING STATEMENT OFF THE BANKING APP ONLINE WHICH THEY HAVE TOLD ME TO DO BECAUSE THEY HAVE DONE NOTHING BUT DID NOT ME INFORMATION AND BEEN VIRTUALLY VIRTUAL NO HELP TO ME AT ALL ON THE CELL PHONE THE BANKING APP NEVER TOLD ME OR SHOW ME ANYTHING A WINE BEING CHARGED A OVERDRAFT FEE FOR SOMETHING THAT HAS NOT BEEN OVERDRAFTED ALL THE MONEY IN THIS BANK ACCOUNT AND ON MY XXXX CARD IS 4 FUNDS THAT COME FROM MY OWN POCKET IN FACT I OPEN THIS ACCOUNT WITH XXXX XXXX AND SOMETHING DOLLARS I DON'T LIKE THIS BANK FOR SEVERAL REASONS THEY LET ALLOW ME TO OPEN THE BANK ACCOUNT WITHOUT EVEN HAVING NO NOTHING ON SOCIAL SECURITY CARD NO ID NO NOTHING I HAD A CHECK BUT THE BANK HAS A LOT OF ISSUES WITH CUSTOMER SERVICE TRANSFER FUNDS HANDLING FUNDS PROPER TURNS AND MUCH MORE I LIKE THE FACT THAT I CAN USE THE XXXX CAR IN YOUR DOESN'T ATTACH TO THE BANK BUT I DON'T LIKE THE FACT OF NOT BEING TOLD I BE CHARGED RETURNING MONEY WHEN I TRY TO MOVE OR SHIFT FUNDS FROM MY CHECKING ACCOUNT TO THE XXXX FIFTH THIRD BANK ACCESS CONNECTED XXXX CARD WHICH THE BANK FALSELY MISLEAD SUNDAY AT XXXX AND XXXX WHICH IS FRAUD AND MISREPRESENTATION OF FACTS IN DEBT COLLECTION OF FEES AND PENALTIES THEY MISLEAD. THE XXXX CARD IS CONNECTED TO THE ACCOUNT TO SOME DEGREE AND I COULD DO TRANSACTIONS WITH HIM WHEN IN FACT THAT'S UNTRUE ON CARD ENDING XXXX AND ON CAR AT XXXX XXXX XXXX XXXX I TRANSFER FROM XXXX XXXX XXXX FOR MONEY THAT I ALREADY HAD TWO A CARD SO I CAN BUY SOME SILVER AND GOLD ETC PRECIOUS METALS THE LAW STORY SHORT AFTER DOING THAT I RECEIVED A OVERDRAFT ORIGINALLY OR OVERDRAFT AMOUNT OF I THINK IT WAS LIKE XXXX TO {$70.00} AND THIS MORNING IT WENT TO {$120.00} I WANT ALL OF THESE AMOUNTS WAVED AND REMOVED IT'S NOT MY FAULT THAT YOU HAVE FALSE FALSELY DELAYED OR UNTIMELY SENT TO ME PLUMP BILLS OR COMPUTER LEDGERS THAT I OWED ANYTHING BEFORE I DID MY SILVER TRANSACTION IN FACT WHEN I GET THE SILVER TRANSACTION I HAD ENOUGH MONEY TO COVER MY SILVER PLUS THEY PUT {$80.00} IN MY ACCOUNT WHICH THAT MONEY BELONGS TO ME BECAUSE IT WAS FOR CHARGES FOR THINGS THAT I DID NOT RECEIVE MY CAR CAN'T BE CHARGED FOR ITEMS I HAVE NOT RECEIVED THE BANK FALSE THE ALLEGED THAT THE ACCESS TO THE FUNDS WILL BE AVAILABLE IMMEDIATELY BUT THIS NOTCASE the bank also let me order n false names money was good thogh see evidence attached criplling evidence here settle, plus they never gave me goods IMMEDIATELY REFUND MEANS THAT
|
| 03/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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The bank we currently have a mortgage with ( Fifth Third Bank - www.53.com ) has been receiving payments from us for the last 10 years without issue. Since the term of the loan, it was agreed that we would be responsible for paying property taxes and home owners insurance. As of XXXX of XXXX, it was discovered that Fifth Third Bank paid our property taxes without any notification. It was also discovered that the bank was now charging us an escrow on our mortgage, again, something that was never communicated with us. At the time, it didn't seem like an issue ; we worked with the Fifth Third XXXX Branch Manager on XX/XX/XXXX, who was excellent and helped us clear things up, or so we thought. The Branch Manager indicated that all we'd need to do is pay Fifth Third back any amount owed relative to the debt incurred for the taxes Fifth Third payed ( without our authorization ) and he would work with others to resolve the issue and get us back to the normal payments we've had for the last 10 years. He stated that his goal was to get us back to normal by XX/XX/XXXX. XXXX came around and we continued to note the added escrow payment on our mortgage bill. After discussing this with the XXXX Branch Manager, he apologized and indicated it was going to take a little longer than he anticipated. He instructed us to just make the standard mortgage payment with the added escrow payment and that he would continue to work on the issue. XXXX comes around, and again, we note the added escrow payment. After discussing with the XXXX Branch Manager, he said he has escalated the issue and is continuing to work on a solution for us. He requested that we make the standard payment and that he would be in touch with an update on the situation. We make the standard payment through the online bank web portal for XXXX. We later find out that the bank did not apply any of the XXXX payment to the mortgage. We later received a call from the XXXX Fifth Third Branch Manager indicating that the payment wasn't applied because the escrow amount was not included in the payment. He then requested that we pay the added escrow amount for XXXX and that he would adjust the payment for correction and continue to work on the issue. We authorized him to pull the added escrow amount required for XXXX mortgage+escrow true up from our savings account. We noted he pulled approximately {$13.00} more than the escrow payment amount ( which we have yet to work with him on ). Since this fiasco, I have signed a document required by Fifth Third stating that I did not wish to utilize their escrow service. Their reply to the request was denied with a reason being we were late on our XXXX mortgage payment, and that we would need to make 6 consecutive payments before I would be eligible to close the escrow account.
It is now XX/XX/XXXX, and have noted that my FICO ( credit ) score has decreased because of the issue with Fifth Third Bank.
Unfortunately, they are the 500lb gorilla and I am a mere individual trying to work with this bank to make things right, which has lead to nothing but frustration and the feeling of being strung along by a financial institution.
My wife and I have since closed our savings account with them, and are working with another financial institution on refinancing our home in an effort to migrate away from Fifth Third.
The only issue I have at the moment is my FICO score being affected by Fifth Third 's inability to resolve an issue for us.
What are my options at this point?
BTW : My next stops are with the XXXX and filing complaints with XXXX, XXXX and XXXX relative to this issue.
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| 11/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I received my escrow analysis along with a notice that there is an escrow shortage of XXXX and I can either pay it now or it will be added to my monthly mortgage payment next year ( XXXX/month ) if I take no action. I looked at it and immediately saw the problem. My homeowners insurance was paid in XXXX XXXX in the amount of XXXX. They then show an estimated payment for the same insurance of XXXX scheduled for XXXX. Both insurance charges appear in the actual column ( even though the XXXX states it is an estimate ). My actual column on the analysis ends in XXXX of XXXX with negative XXXX. They project it out further to XXXX of XXXX to determine the shortage of XXXX. The issue is that they are counting my insurance coming out twice ... once in XXXX ( which was already paid ) and once in XXXX ( a higher amount of XXXX - the total from last year ). They show my current escrow account balance as XXXX, when in reality I have XXXX in my escrow account as of XXXX XXXX, XXXX. I contacted them several times and spoke with several different customer service reps, all of whom were very rude and condescending. They requested a new analysis for me. In meantime, I received a letter ( after they paid the insurance in XXXX, that they do not have proof that my insurance was renewed nad gave me a number to fax the declaration page. I faxed it on XXXX XXXX ( I saved the proof that the fax was successful ). I spoke to another agent on XXXX XXXX, who told me they do n't have my insurance info. I faxed it again on XXXX XXXX ( saved the proof again ). I faxed it on XXXX XXXX and XXXX XXXX. I received another call on XXXX XXXX telling me that the analysis is correct. I asked her how that could be when my insurance was paid in XXXX. She first said that they have another insurance payment scheduled to come out in XXXX ( the analysis said XXXX, but of course XXXX came and went and no additional payments were made ). Then she stated they did n't know what the XXXX was for even though they paid it. I explained that I 've faxed the info several times, and I wanted to know where else I could send it right then. She said they do not need any additional information. I could n't believe what I was hearing. I do not have a shortage. They paid my insurance and I sent them proof several times that it was the insurance that was paid and it was for the correct period. They state that the escrow department does not have a direct number and will not allow me to speak with anyone else. I asked for a manager only to be told that " they will tell you the same thing. There is no one else to speak with. '' I asked her for her last name and she refused to provide it. There is XXXX accountability within that company. I created my own analysis projecting the correct numbers beginning with my actual escrow balance of XXXX as of XXXX XXXX, and by XXXX XXXX, XXXX ( after all XXXX insurance and taxes are paid ) they will have XXXX of my money, well over the allowable two month cushion of XXXX. Instead of a deficit, they actually currently owe me money as they based my XXXX payment on the XXXX insurance payment when it was only XXXX. I feel like they are trying to get an interest free loan of my money, and I am not okay with this. There is no shortage - there never was a shortage, and there will never be a shortage and they can see that, but no one will listen to me. Now they are trying to force me to pay an additional XXXX/month for absolutely no reason. I have proof. I have retained all of my paperwork and would be happy to provide it. Time is of the essence as my next payment is due XXXX XXXX.
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| 01/16/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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My family went through some major health issues and workplace injuries and as a result we missed some mortgage payments. We have an FHA mortgage loan and immediately contacted our servicer, Fifth Third Bank. We tried to go through the process of fixing this problem by applying for a modification. We were told by their agents that we were approved, but then a few days later they told us we were NOT approved. This happened a SECOND time, being given misleading information and false hope. We were then told we needed to submit our financial information. This was an exercise in futilitywe provided all requested documents and would be told by Fifth Third that they had everything they needed. Then we would check back a few days later and be told that the same things that were signed off earlier were now needed again. It was an endless cycle and frustrating and we were never able to get a full review completed. We hired a third party to help but that went nowhere and now we are further behind and facing foreclosure. This was avoidable, if Fifth third were to conduct a review of our current and accurate financial income sources they would have been able to qualify us but all we got was the runaround. We believe that Fifth Third has misled and deceived us and denied us access to government programs that should be made available to struggling homeowners and wanted to file this formal complaint.
I worked for years as a XXXX XXXX XXXX but ended up getting injured in an accident at work which started our hardship and problems with this loan. Due to my health issues I was forced to take an early retirement and survive on my pension as well as a part time job. My wife XXXX is still working as a XXXX XXXX and has been in this field for 17 years. When I got hurt at work I was unable to work and had major pain in my XXXX and XXXX. My company did not give me workmens compensation, they did not have sick days for me and I did not have any benefits. Just basically one day everything was fine and the next I was not working or earning any money and was overwhelmed with medical bills. Not long after that my wife XXXX also had health issues with XXXX XXXX in her XXXX and was forced to miss a couple of months from work as well. This led to default on our mortgage payment approximately two years ago.
The following month we contacted the Fifth Third loss mitigation department to see if we could be considered for any homeowner assistance programs. As explained, we received conflicting information from the loss mitigation department and this quest for review for assistance programs became an exercise in futility. Their agents would give us false hope that this was going to get solved but instead we were being misled while we fell further behind. I dont know why it is so hard for Fifth Third to provide straight and accurate answers. These same people who initially told us we were approved became very agitated when we tried to call them out on their misrepresentations. Additionally, we have been receiving many nasty collection calls at all hours from Fifth Third and these just add to the stress we are under.
My wife and I are both working and bringing in income. Our son and daughter both live here and contribute to the monthly bills and live here with us along with our XXXX grandchildren. We also receive money from a rental unit. When you add all the income together we have the means to make a reasonable payment again. Our hardship was temporary and we want to get back into good standing with Fifth Third. We want to fix this problem but need Fifth Third to play fair
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| 09/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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At the end of XX/XX/2020 and again at the end of XXXX, I called Fifth Third Bank to ask for help/deferred payments on my auto loan, because I was not able to make payment due to coronavirus financial struggles. They said they didn't have any deferral programs to offer at that time and to call back every month to check if they have anything changed.
In XXXX, they said they could defer 3 months payments. However, unlike all the other creditors back in XXXX and XXXX, who did it automatically during the phone calls, this bank said they would send me a form to complete and that I should sign and return. Also, that month I was able to make half payment on XXXX and the other half on XXXX. I called again to check where the deferral form was, I hadn't received it. They were making the whole process so difficult. I sensed that they didn't really care what was happening in the world.
Indeed, in XXXX they reported 3 months late to XXXX, XXXX and XXXX. I called to confirmed that I had requested deferred payment. I told them that I didn't receive the deferral form yet, plus I sent another payment on XXXX. And, I requested that they remove the missed payments reported, because I had been in frequent communication with them doing my best to humbly ask for their help. Then on XX/XX/XXXX, made another payment and have NOT missed any payments, other than in the beginning of COVID-19.
I finally got the deferral form XX/XX/XXXX! I mailed it in and called to confirm on XXXX. They said still hadn't gotten it. When they finally received it, they said it was an invalid signature! So, I called again to confirm, then sent it by email on XXXX in order to expedite the whole excruciating process, then called back to confirm and they still didn't get it. By then they had reported 4 months late payments. Also, they said that my deferred payments were for XXXX, XXXX and XXXX. But, I made those payments because I never got this stinking form and didn't want any trouble on my credit report. I was sadly mistaken.
They NEVER deferred any payments. I was so blessed to be able to make monthly payment every month since XXXX, even though Fifth Third Bank made me a bogus attempt at deferred payments, it never happened because they kept giving me a run around. Today, I checked my credit report and they have 6 missed payments! Why? When I asked them to repair this, they said this department can not help. I was transferred. The other department also has no control over it, transferred me to another department, who also said they can not help me either!
Please help me get these 6 missed payment off my report! During these very difficult times, all other banks and insurance companies have been helpful by deferring payments and being kind and decent to their customers by choosing not to report missed payments because of financial difficulties from Covid-19. This bank has behaved in a despicable manner and should be ashamed for their poor reactions to the terrible coronavirus times, their delay tactics, and uncooperative behavior. I made my payments to them even though it was difficult. I wish they would have someone ding their record and affect them adversely for no reason! I have done everything in my power to correct this.
Furthermore, I have received a late payment notice and late fees every month while I have made all these payments!
HELP! I humbly request that late fees are removed and all the missed payments removed from my all three credit reporting bureaus as a covid-19 courtesy. During these times, and especially since I am not a deadbeat, I need help, please.
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| 12/07/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Refinancing Primary Residence : XX/XX/XXXX Fifth Third Bank provided my attorney with a payoff letter which was valid through XX/XX/XXXX.
XX/XX/XXXX Attorney issued payment to Fifth Third Bank in the amount of {$160000.00} as indicated on the payoff letter dated XX/XX/XXXX.
XX/XX/XXXX This payment was disbursed and the check cleared the attorney 's bank on XX/XX/XXXX prior to the expiration of the payoff letter ( XX/XX/XXXX ).
XX/XX/XXXX Fifth Third Bank issued a letter notifying me there was a shortage with the payoff. The letter was sent regular mail and I received the letter on XX/XX/XXXX and immediately contacted Fifth Third Bank to resolve.
XX/XX/XXXX Spoke with several different representatives trying to resolve and received various amounts of the shortage required. According to Fifth Third Bank the shortage occurred in the escrow account as they paid real estate taxes that were due. I explained that I understand the discrepancy and desperately want to resolve however I should not pay interest or late payments as I did not receive notification of the issue until XX/XX/XXXX. Fifth Third Bank wants to charge interest and late fees from the payoff date to the present. After hours of phone calls the representative said this would require further review and they would have to call me back. I pressed and requested to speak with a manager and left a voicemail for XXXX and never received a return phone call from XXXX
XX/XX/XXXX Attempted to resolve once again and engaged my attorney 's office as they were more versed in the details. Spoke with several representatives from Fifth Third Bank pleading to pay the shortage ( less interest ). XXXX confirmed there was a banking error and we should hear back from a manager on XX/XX/XXXX or no later than XX/XX/XXXX. I once again never received a phone call back from a manager.
XX/XX/XXXX After not hearing from Fifth Third Bank on XX/XX/XXXX, my attorney 's office and I attempted to speak with someone to try to resolve the shortage. We explained that we want to pay the shortage but need an explanation why they feel the interest is due after they waited over one month to contact me regarding the shortage. An explanation was not provided and further research needed to take place and they will contact me within three days.
XX/XX/XXXX Spoke with XXXX at Fifth Third Bank and she confirmed the shortage is {$390.00}. Finally we received a firm number that mathematically was justified based upon the payoff statement and the payment made to Fifth Third Bank. Offered to pay this amount and that's when they again said that we must pay the back interest. We asked for an explanation why this was the case and have not received any explanation.
XX/XX/XXXX Received a phone call from XXXX who works in customer complaints and stated that I was responsible for all of the shortage + all interest. XXXX 's tone was extremely rude and she said that Fifth Third Bank considers this case closed and there is nothing left to discuss. However I immediately disputed this fact and demanded the case remain open until an explanation is provided. I explained to XXXX if an explanation is not provided then I will contact her on XX/XX/XXXX with my attorney present for the call. After many requests XXXX finally provided a direct line so we could contact her on Monday.
XX/XX/XXXX Met with my attorney this morning and we spoke with XXXX who was very helpful, however she did not have authority to resolve the issue. We also left a voicemail for XXXX as her phone went immediately to voicemail.
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| 10/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : FIFTH THIRD BANK NA XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX I apologize for the confusion on my original dispute. The truth is that there are issues with every negative item on my credit report. The reason is because I am not the authorized responsible party on any of the previously posted disputes. Therefore, I request the following procedure for the above posted creditor : 1 ) Please review who the responsible party is on the credit tradeline.
2 ) If I am only an authorized user, then the tradeline on my credit, and the corresponding collection will also need to be permanently deleted.
3 ) I must be given notice that a release of responsibility has been sent to me in written form for my records.
4 ) I have full appreciation to the CFPB for your great help in this matter.
5 ) The above referenced account and/or collection must be deleted. The responsible, if any would be my husband, who was only trying to help his wife establish credit. It did not work out as planned.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 07/30/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I received multiple calls from 5th third bank without a voicemail or any request for a call back from XXXX. I finally had the chance to answer at XXXX on XXXX ( Sunday morning ). At that time, the representative told me that I was being charged interest at a rate that was never disclosed to me in writing or verbally at the time of financing my vehicle at the dealership. Told the representative that I had an electronic bill payment already scheduled for XXXX. At that point, representative told me that It would likely take at least 5 business days for them to accept the electronic payment and at that point I was told that if I wanted to avoid those fees and past due account, I was required to pay with her at that moment on the phone. So I complied, to avoid a late payment. I could not cancel my online bill pay from my own account ( XXXX ), and so I was XXXX charged for XXXX payments. I contacted XXXX who verified that they would flag the transaction as a duplicate bill pay and have the money retracted. Upon contacting 5th third bank on Monday XXXX, I informed the rep I spoke to that I wanted to have my payment amount refunded and she said she would order the request. After this, I finally put in touch with a manager named XXXX. He said that he would request that the overpayment amount would be wired to me no later than XXXX. On XXXX when the amount did not ever appear in my account, XXXX verified that he would look into it, and then on Friday XXXX he left me a voicemail that the money had been sent to me via check. In the meantime, XXXX had reversed my XXXX bill pay and the money was back in my account. On XXXX I received a check from 5th Third Bank in the amount of 1 month 's bill pay ( XXXX ) which I did not cash. Between XXXX and XXXX I received roughly XXXX calls at work from 5th Third Bank with no voicemail or call back information. When I returned the call, I was told that my account was past due for the amount of XXXX. I was put in touch with a Bill Pay representative who explained that because the check was mailed they had removed my original payment amount from my account. I explained that I had not cashed the check. At that point the representative, XXXX, informed me that he would not argue about the " Symantecs of cashing a check ''. At this point I asked for a paper copy of my contract to be sent to me, he explained how a simple fee loan worked and explained that the only paperwork I would ever have regarding my loan was somewhere on the contract I signed with the dealership at which I purchased the vehicle. He also explained that my only recourse was to physically go to my bank and cash the check 5th Third Bank had sent me, then call them back and make another payment, to bring my account up to date. Throughout the entire process I have requested a copy of my contract with 5th Third Bank multiple times on XXXX, XXXX, and XXXX. Each time I have been told that they will not/ can not provide that to me. When asking one representative on XXXX where in my paperwork I could find the daily interest rate they were charging me after payment due dates, I was told " you should n't have signed the papers if you did n't read them ''. I still have not received a copy of the terms of the finance, or a contract from 5th Third Bank. I am extremely concerned that this will effect my credit rating, and will report on my consumer credit report. I have been shocked at the extremely unethical, incompetent, and unprofessional conduct and tactics used by every single member of this organization.
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| 03/16/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I miss a call from the phone number ( XXXX ) XXXX, and received a voice mail suggesting they had been attempting to send me correspondence, but that I had not responded. I have no received any correspondence from this company at my current or previous address ( that would have been forwarded to me ). It suggest I was past a " compliance period '' and that if I didn't respond they would escalate the matter without including a statement from me. Upon receiving the voicemail, I immediately called back, as this felt like a threat that I should be concerned about. Upon calling, I was transferred to a case manager who insisted I owed $ XXXX to Fifth Third Bank, who I have had not done business with or owed a debt to in over a decade. Any debts owed were discharged or paid in full. I have paperwork from Fifth Third that confirms this.
The organization stated they were " XXXX, XXXX and XXXX, '' though the number they called for did not yield favorable search results, and appeared on my called ID as " Scam Likely. '' I informed the case manager that this felt like a recurring scam that happens every 12 - 18 months, where another debt collection agency calls me about owing Fifth Third bank. Over the past decade, I have learned that this is a " Ghost Debt '' collection scam, where they hope I make a small " Good Faith '' payment, which they always say will prevent them from having to take legal action, but in reality would then actually revive the debt in full, making me responsible for paying it.
The case manager became irate, and told me that I could either cooperate or that he could call me employer. He also insinuated that I could get sued for not paying. After a less then XXXX minute conversation, he abruptly ended the call.
I tried to reach back out, but was connect to a different case manager who was even less helpful and more rude. This person also disconnected abruptly after less than XXXX minutes.
I tried to reach back out SEVERAL times, but each time the call was either immediately disconnected or put on an never-ending hold. I admit than on a few occasions, I disconnected the call because I thought they had disconnected the call already, but I was on hold.
Because I felt like I was threated, it only made sense that I try to resolve the situation immediately. It became clear that they would no longer even attempt to help me resolve the situation, so I called repeatedly. As a XXXX and XXXX individual, it feels most appropriate to resolve any perceived threats immediately. On the majority of the calls, I tried asking for a fax number or mailing address so I could furnish proof, but they refused to provide any contact information. On several calls, the receptionist would pick up and say " please stop harassing our firm. '' I explained that I was only trying to resolve a matter that included a perceived threat, but the call was always abruptly disconnected.
I attempted to contact this organization to resolve this matter over nearly 100 times, and the vast majority of those calls ended abruptly after a receptionist hung up the phone.
I asked for me phone number to be remove from their system, but they stated " Why would we do that? '' When I attempted to reach out from other numbers ( hoping to get through to someone who could resolve the matter ), the number was blocked.
I have attached copies of XXXX letters from Fifth Third Bank stating that now debt was owed. Each time this collection was attempted from different companies : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
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| 02/01/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/2019 I checked my account on the mobile app. I noticed that a payment had come out earlier than expected and my account showed with a balance of - {$320.00}. At that time, I asked to have money moved from my savings account to my checking to cover any purchases that were made. I was advised that the funds were moved over. I noticed a pending overdraft charge on the account. I asked if that was going to post since I had moved the funds over. The agent advised that it would not post and it was already gone. I checked the app and noticed that I had a XXXX balance and thought everything would be fine, because I was going to get paid within the next few hours. I opened my account today XX/XX/2019 and noticed that there was a {$110.00} fee on my account for overdraft. I thought that was weird as there was only one transaction that had over drafted. It was the {$430.00} payment that brought me down to - {$320.00}. It was the last posted transaction prior to being charged the overdraft. I called in at around XXXX XXXX ET on XX/XX/2019 to ask about the fee and had to go into the callback queue because hold was over 30 minutes. I finally received a call 2 hours later at around XXXX XXXX. I advised the agent what happened and what I was told and she advised that it never happened. I asked to speak to the Executive Office or the Office of the President and was told I would get a supervisor. I advised the agent that I was asking for the Office of the President and was instead transferred to a supervisor. This supervisor started the call with an attitude like she could care less about her job and helping anyone. She apologized for any misinformation and advised that she could only give {$74.00} as a courtesy adjustment. I advised her that I was not asking for a courtesy, I was asking her to honor what I was told. She said that the agent giving misinformation was not considered a bank error. I asked again for the Executive Office or a Level 3 escalation and was advised that it did not exist. I advised her that it was required to exist and she stated that there was a write in only address for that office. I advised that there had to be a number per the CFPB that I could speak to and she continued to decline escalation to any other level above her and stated that she represented the bank. I asked to be transferred to Credit Cards to close my account. She had fun with this one. I did not know the last four of my card number and she told me that she could not close it without it. I asked to be sent to the Fraud department to verify me. She said that she could not do that because there was no fraud on the account. I then told her I lost my card, just trying to get someone besides this rude lady. She said I would have to know the card number to report it lost. I asked her how I was supposed to go find the card number if it was lost. She repeated that it was needed. Finally she allowed me to verify activity on the account to close it. I asked about my security deposit and she did not want to answer these questions either. I finally got the answers that I was asking for and then proceeded to transfer my funds from my savings to checking. I closed one of my savings accounts as well. I asked the agent to note my account with my dissatisfaction and the fact that I would be filing a complaint with the CFPB. She stated that it was noted and I asked her to note as well that she declined escalation multiple times. She stated that she had and the call ended by her hanging up the phone.
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| 06/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My monthly mortgage payment is {$1100.00}. Starting in XX/XX/XXXX I established bi-weekly payments via my Mortgage Lender 's ( 5/3 Bank ) online payments portal in the amount of {$670.00}. This was done to pay down the principle more aggressively, thus decreasing the time period and balance on which the interest was accruing over the life of the loan.
5/3 Bank called me in mid-XX/XX/XXXX regarding the bi-weekly payments and how I intended for those to be applied to my account. I explained to the representative on the phone that the bi-weekly payments of {$670.00} were to be applied to the principle first, followed by T & I and escrow. Based on this, I was over-paying my principal by ~ {$170.00} each month. The rep on the phone stated that he understood and would note the request on my account.
From that point, I received monthly letters ( sometimes 2/month ) from 5/3 bank, indicating that they did not know how to apply my bi-weekly payments. The letter provided a fax number and stated that I should fax written instructions to the bank to explain how I would like my payments to be applied. Per the instructions, I faxed written instructions to 5/3 bank regarding my bi-weekly payments on XX/XX/XXXX.
Since then, I have received 3 more letters and 2 more phone calls indicating that 5/3 did not know how to apply my payments. During each of the calls I was told that I was late on my payments, which was never the case.
Last Friday, XX/XX/XXXX, I called customer service to clear this all up. The first contact I spoke to, XXXX, hung up on me after I explained my issue. The second contact I spoke to informed me that the 5/3 bank mortgage servicing system CAN NOT accept bi-weekly payments and that payments received that are less than the amount sit in an 'un-applied funds ' account until additional payments, summing to the total amount due are received. So, 5/3 bank 's mortgage servicing system is preventing me from paying down my mortgage more aggressively, thus forcing me to pay the full interest amount over the life of the loan. Per the second customer service rep I spoke to, and her supervisor, 5/3 previously contracted a third party service provider who accepted bi-weekly payments, but due to that service contract 's termination, 5/3 bank mortgage customers CAN NOT submit bi-weekly payments. The supervisor went on to inform me that there is no way for the bank to manually apply payments on a bi-weekly basis. Thus I have no choice but to pay the entire foretasted interest amount over the life of the loan. The 5/3 bank reference number for the call is : XXXX The bank has continually harassed me with letters and phone calls regarding this. Furthermore, the letters are signed by " XXXX XXXX XXXX '' - Senior Vice President. Based on my research, XXXX XXXX has not been an employee of the bank for over 2 years. This letter is misleading and appears to put ownership of this department on a former employee, which may not be illegal, but it is certainly shady. Not sure how their IA department hasn't caught that one.
As a former XXXX with extensive experience in CFPB regulations, specifically XXXX XXXX, this is appalling. The bank has harassed me, ignored my requests, and continued to service my account in a manner that is different than what has been instructed by me, the consumer.
This must be corrected immediately. I can not imagine how many other consumers have been negatively impacted by this.
Please do not hesitate to call or email me with regard to this issue.
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| 04/06/2017 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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My overdraft settings were changed in XXXX without my knowledge, and after a slew of automatic payment went through over the weekend, my account was overdrafted. I was not alerted via the mobile app, or by the online banking system. I was told that a 'courtesy paper alert ' was mailed out to me. Which does n't help because A ) I ca n't get mail on Sundays and B ) by the time I would have received it these fees probably would have totaled several thousand dollars. I was told that it is n't their fault the notification did n't go off properly, and that the 'paper alert ' is a courtesy to which they extend their customer. Seems pretty predatory to me.
All in all, I incurred XXXX overdraft fees over the weekend past 3 business days : {$73.00}, {$370.00}, and {$140.00} ( which is still pending even though I brought the account to a positive balance by the time it was posted ).
I called customer service and was told that it was my fault that the setting had been changed and that I had n't noticed it until the account was overdrafted. ( I mean, duh, of course I would n't have noticed a change on my account until I get charged several hundred dollars in fees ). Anyways, this first person told me there was nothing they could do. So I asked to speak to supervisor who also said the same thing. Until she said that she could reverse {$37.00}. Then we got disconnected ( I mean, of course we did! ), and I waited 5 minutes for a courtesy call-back, but of course, nothing. So I call back customer service, jump through all the automated system hoops, and explain that I got disconnected. The agent says that she will have the supervisor call me back in 3-5 minutes. Okay. 30 minutes go by, and ( of course ) no call back. So I call back a third time, and get a different sup. on the phone. She tells me that she is able to reverse up to {$74.00} ( {$37.00} XXXX ) of the fees on my account. Yeah ... that 's still over {$500.00} in overdraft fees that they 've swindled from me. So, I point out that I 'm not satisfied, I 've been a customer in good standing with this bank for almost 5 years and ask if they will extend a courtesy to me of reversing these fees. No, of course the ca n't. She ca n't help or do anything else about it. She ca n't even explain what went wrong with the alerts and settings in the first place. So I ask to speak to her manager. Who eventually offers to reverse an additional {$74.00} ( thats {$37.00} XXXX ) in fees ( seeing a pattern hear yet? ) I tell her that I am extremely disappointed with their handling of this situation and that I 've never gotten such a run around from a bank before. She ca n't explain why the alerts did n't work, how the settings got switched, or even what their official policy on administering refunds is. She only tells me that j $ XXXX is as much as she is allowed to refund ( which seems arbitrary when you ca n't even explain the policy behind it ).
So, I 'm out almost {$450.00} for what amounted to less than {$70.00} in money actually overdrafted. And 53 does n't give a XXXX. They do n't care that a committed customer is on the verge of closing the account in it 's entirety because they ca n't seem to make things works correctly. Alerts do n't work, settings that change mysteriously, and a lack of explanation and empathy/making things right again make this whole institution seem like one big, scammy predator. And why not? That 's the treatment we 've almost come to expect here in America. I do n't know why I expected more from 5/3.
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| 06/04/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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On XX/XX/XXXX at XXXX EST I received a threatening phone call from someone who claimed they were with a " local courier '' by the name of XXXX XXXX. He left a voicemail stating that I better be available between XXXX tomorrow and that he would be going to my place of employment first and if I was not there would be speaking with my supervisor to find out when my next shift would be. He also indicated that he would then proceed to go to the homes of family and friends to locate me. He stated that I would need two forms of ID and a witness to sign for these documents. At the end of the voicemail he provided me with a phone number for XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and a " case number ''. Upon calling XXXX XXXX XXXX with this information I spoke with XXXX who informed me that they were a mediation firm working on behalf of Fifth Third Bank. He stated that Fifth Third had found me to have committed fraud for my own personal gain and that they were moving forward with court proceedings at which time I would owe {$810.00}. I explained to him that I currently have an account with Fifth Third Bank and was curious as to why they had not contacted me about this old bank account. He stated that they contracted with them for mediation on it and that it had been in default with them since XX/XX/XXXX. I asked him what the amount would be if I paid today. He placed me on hold for 10 minutes and then came back to the phone and stated I could make a payment arrangement for 3 payments of {$180.00} or I could settle for a one time payment of {$270.00}. I advised him that I would settle but that I needed confirmation that the date was settled and advised him that he needed to contact this " private courier '' company to notify them because I did not want them showing up at my job, my house, or the home of my friends and/or family. He agreed to email me this notification which I have attached to this complaint. As soon as I got off the phone I contacted Fifth Third Bank to let them know about my experience. The representative that I spoke with stated that they wouldn't have any information about the account since they sold it to a debt collector. I told her I was very upset and ready to cancel my current accounts with them because of this to which she replied " Well that doesn't have anything to do with Fifth Third. '' I told her of course it does, you sold the debt to this company and they contacted me with threats. I called the FTC to file a complaint about this private courier for XXXX XXXX XXXX and gave them the phone number I received the call from, however when you call the number it states to email any inquiries to them at their website and conveniently does not give you a website. I called XXXX back at XXXX XXXX XXXX and attempted several times to get the information for this " private courier '' but he refused stating that they did not have this information. I explained that I intended to make a complaint with the FTC about this company and I needed their contact information. He continued to refuse and stated that they don't work directly with them but that he could report it back to the attorney. I then asked for the attorney 's contact information so that I could get the information myself, he refused to provide me with that as well. I informed him that since he was not willing to provide me with this information that I would be filing a complaint with consumerfinance.gov and his response was " Well if that's what you feel you have to do. ''
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| 03/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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FIFTH THIRD locked my account because they said they didn't understand why I was receiving unemployment from a different state than the one I opened my account in 4 years ago. They have so far refused to look at the documentation I provided - paystubs from a factory I worked at and the XXXX XXXX XXXX I worked at, both showing my address, and a SIGNED storage contract with a Georgia storage facility that also had my address listed.
I opened the account ONLINE. In XXXX I accepted a job in Georgia. I made regular bank transactions at the ATM in XXXX, XXXX A quick check would have proved this. CoVid hit and I was laid off. I received unemployment and had them directly deposited to another bank that I'd been happily banking with - XXXX. But, XXXX is not in Georgia.
Later in XXXX, I was called back to work. I left Ohio again and went down to Georgia to work. Three months into the contract, the company completed a contract and laid the majority of us off again.
I resumed unemployment. I chose to use XXXX XXXX for my direct deposits because my funds in that account were low.
They locked my account. They snail mailed me a letter saying my account was locked and they would need further verification of my identity.
I spoke to a XXXX XXXX name XXXX. He transferred me to the fraud department and XXXX answered the phone. XXXX told me to bring in a document showing I lived at the address that I was staying at in Georgia ( this was my Aunt 's home ).
I called back shortly thereafter to see if I could email the information to them.
This time I spoke with XXXX. XXXX told me to bring in more documentation, but said that I would have to bring the information to a branch to submit it to the fraud department.
I went down to the branch and explained my situation to the teller who insinuated that I could close the account and access my funds. I told her that this concerned me because I don't want any negative marks on my account.
She directed me to her manager - XXXX. In the meantime, as I was talking to XXXX, the teller and the XXXX XXXX was having a separate conversation.
The teller seemed visibly upset and said that I would not be able to close the account and I knew this. The teller said that the analyst said he told me this the night before, and that I would need documentation to send to them.
This was fine, as I had the documents. I had the documents printed off at the library, and gave the documents to the branch manager, who had the teller fax them over.
The analyst refused to look at the documents!
XXXX kept the copy of my ID and another document and ensured me that she would contact me when the account unlocks.
That was early afternoon.
I called back several times and found that not only had my documents NOT been looked at but they hadn't been assigned to anyone - as per XXXX ( who seemed to have difficulty understanding why I was calling ).
The final time I called in, XXXX said that XXXX had my account and that he refused to look at it until 2 business days at least.
This is unacceptable! They're locking my account, simply because they can!
Payments for the weeks of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totalling {$2200.00}, plus the {$6.00} that I had in the account before directing my deposits to that account are all frozen.
PLEASE UNLOCK MY ACCOUNT AND RESTORE ACCESS TO MY FUNDS BACK TO ME.
I have automatic payments that come out of that account. I've gone above and beyond in providing documentation.
|
| 04/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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I had 2 payments left on my car loan XX/XX/XXXX. I was trying to close my bank account that my automatic payments had been made from for the last 58 months so it had {$0.00} in it. I called Fifth Third Bank ( 53Bank ) to pay off the remainder of my loan over the phone before my automatic payment was made. The loan officer I spoke to me assured me this was possible, took my new account info, and processed the payment.
The next day I saw that she had sent the full payment to my closed account so I received an overdraft fee and my own bank 's ( XXXX ) fee. Then, per 53Bank procedure ( which I 'm not sure I ever agreeded to ), my automatic payment went through the same day so I got XXXX more fees ( XXXX from 53Bank and XXXX from my bank ). Again, per 53Bank procedure, they automatically tried my account again for the monthly loan amount and I received XXXX more fees.
I called 53Bank again and they told me that loan payoffs can only be made by check ( the original rep said nothing about this ). At this point I elevated my claim to a supervisor who yelled at me and when I elevated the claim above her I got a voicemail. I left a message and never received a call back.
At this point I tweeted at the bank and CFPB. The next day a resolution officer - XXXX - reached out on XXXX and we setup a call. He was able to tell me how to pay off my loan and give me his direct line if I had any questions.
I mail in a check to the address the claims rep gave me but since I have had automatic payments setup since day 1 of my loan I never knew my account number or had access to my loan " coupons '' that would normally accompany a mailed payment so my check did n't have my account number on it to make it easy for 53Bank 's system and did n't realize this until yesterday.
I call XXXX each week I do n't see my check cleared and he never picks up. I leave a message which is never returned.
Now, my original payment is about to be 30 day past due and my check still has n't been cashed. So I call customer service. They go into their system to look at every check received since XX/XX/XXXX but do n't find a check of my amount. So they never received my check they help me get setup on the website, try to make a payment, any payment, and the site throws an error to call customer service who I 'm already talking to. So they transfer me to a supervisor who says they ca n't process it because it 's past due so I 'm transferred to claims. They are n't able to process it because of an unknown reason so they transfer me back to customer service. By now I 've been transferred so many times that the call quality is terrible so the lady I end up talking to thinks the line is dead and hangs up. I call again. Again, CS to Claims, to CS then CS supervisor - XXXX. 2 hours later the supervisor talks to IT who says there 's an unknown technical issue preventing any department from taking my payment. I ask XXXX if there is anyway he can send me documentation to prove that 53Bank 's systems are the reason that my payment still ca n't be processed. XXXX says he 's unable to make outside emails nor am I allowed to make a recording of his comments ( 2-party consent and all that ). I also asked every person I spoke to on the phone if they could see all the calls I 've made in the last month or so and they ca n't. There 's no way for the operators to follow my history with this issue.
Why is it so hard to pay off a loan? What is hard about taking a check and cashing it?
|
| 07/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
Servicemember |
|
Opened Checking and Savings acct with XXXX XXXX XX/XX/XXXX. Set up direct deposit. XX/XX/XXXX one of them went to old XXXX acct. Called 5/3 after 4 hrs she finally called Friday after at XXXX saying to mobile deposit it would clear next business day no worries and that I could also go to any XXXX XXXX XXXX to deposit cash. Said not to use bank transfer may take days and bills wont get paid. I paid via XXXX to electronic transfer some money myself to be sure for that days bills as 5/3 overdraft over XXXX. XXXX XXXX on hold. XXXX then? Why I wasnt aware didnt mobile deposit tell me at time, rescinding what she had said as if she had no recollection and there is a hold that went on the check until XX/XX/13 I will have to wait. I said how can that be because XXXX cleared the the check XXXX so you have money. Then saying she will get manager. He says will have to call me back. I then get call hours later saying I was sent email the regional mgr XXXX will release funds if XXXX provides letter that guarantees check is good and they can collect, bank statement and cleared ck. I said thats total harassment and you already collected the funds and have them. I was very upset. In anycase I went to XXXX XXXX branch which refused letter saying it proves nothing and a letter guarantees no funds only the cleared check does, which they also agree as unnecessary since bank already knew it electronically collected funds and was forcing me to play games to provide cleared check it collected from, but to go along and pleas them I got a copy of it that was stamped by yelled and dated and signed and a copy of Statement from XX/XX/XXXX which I sent both to XXXX without letter explaining That XXXX agreed with me the letter provided no information of any funds. I still had no posting of any funds Thursday and called around XXXX XXXX and XXXX answered and when I asked what was going on she transferred me to a lady I dont know name. I asked her to release funds and she said she has every right to hold them and not arguing and hung up.
I then emailed XXXX after trying to call back. I had emailed numerous times with some information as well as information from cc regulations as I told him account was not new as of XX/XX/XXXX was 30 days and not under new account hold rules and that in the letter I reced it also stated that once they received proof of funds it said they had to release hold and they continue to tell me they dont have proof unless they want to say nobody there does there job. I do feel very frustrated and upset that the branch is not are backing up what I was told by XXXX and Im not sure that she was correct as well that since 5/3 received the funds electronically on XX/XX/XXXX they had no right to put any hold in the first place especially until XXXX which is 6 days past the new account period.
I also did get a call Thursday from a XXXX XXXX in Security no idea why asking me if I had cursed at anyone at branch. I am very upset he called and wondering what that was all about? He also said he could do nothing on hold and since it was mobile deposit I had to wait although there mobile deposit is 2 to days not 7 business days as well and I explained to him as well that the money was received by them electronically already and he as well continued to say he had no knowledge that they collected any funds from the check although this obviously can not be true. I really think treating a XXXX veteran this way is very wrong I also told them.
|
| 04/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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There was an error in Mortgage release filed by fifth third bank. I contacted them and they asked me to send them documents and was told that it would be fixed very quickly in 3 days or less. Now after a week, it is not fixed and the error is holding up further transaction on my property and bank is not providing me any update or commitment to fix their error. Below is the letter that I sent them along with requested documents.
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX To, Lien Release Dept Fifth Third Bank XXXX : XXXX - Incorrect Lien Release for a/c XXXX Dear Sir/Madam, You were our mortgage servicer for a/c XXXX till XX/XX/XXXX when the mortgage was refinanced with XXXX XXXX. They paid your mortgage off and you filed a lien release with XXXX XXXX XXXX on XX/XX/XXXX. However, you made an error in that mortgage release and did not refer/release the correct mortgage. Instead of releasing your mortgage, you released prior lender mortgage and hence lien from your mortgage is still present on the title and county records. This needs to be corrected.
I am explaining sequence of events below to clearly communicate situation.
( XXXX ) XX/XX/XXXX The property was first bought by us from XXXX XXXX. XXXX. The mortgage was provided by XXXX Mortgage Recorded on XX/XX/XXXX, Book XXXX, Page XXXX, XXXX XXXX, Amount- {$400000.00} ( XXXX ) XX/XX/XXXX The property was refinanced. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Amount- {$400000.00}, Recorded on XX/XX/XXXX, Book XXXX, Page XXXX, XXXX XXXX This is the mortgage that Fifth Third Bank was servicing.
( XXXX ) XX/XX/XXXX Mortgage release for the XXXX mortgage loan was filed by then servicer XXXX XXXX XXXX on XX/XX/XXXX, Book XXXX, Page XXXX, XXXX XXXX ( XXXX ) XX/XX/XXXX The mortgage from Southern Residential ( being serviced by Fifth Third Bank ) was refinanced with XXXX XXXX, loan amount - {$540000.00} Recorded on XX/XX/XXXX, Book XXXX, Page XXXX, XXXX XXXX ( XXXX ) XX/XX/XXXX You ( Fifth Third Bank ) filed lien release Recorded on XX/XX/XXXX, Book XXXX, Page XXXX, XXXX XXXX. However, in this filing you made an error and referred to XXXX XXXX as XXXX XXXX and provided their details of recording, instead of referring to your loan ( originated by XXXX XXXX ).
Because of this, the lien from your mortgage ( referred in point XXXX above ) is still present on record even though the loan in paid off. You need to file a new mortgage lien release to correct the error and remove your lien.
I am attaching below mentioned documents : ( 1 ) Copy of Title Document Numbered as Document 1 ( 2 ) Proof of Payoff Document Numbered as Document 2 ( 3 ) A Copy of Mortgage from Southern Residential Lending First Page only Document Numbered as Document 3 ( 4 ) Mortgage Release Document filed by Fifth Third Bank Document Numbered as Document 4 That is where the error is made and needs to be corrected.
( 5 ) Mortgage Document from XXXX XXXX First Page only Document Numbered as Document XXXX ( 6 ) Mortgage Release Document from XXXX XXXX for XXXX XXXX XXXX XXXX as Document XXXX ( 7 ) Mortgage Document from XXXX XXXX which replaced mortgage held with fifth third bank XXXX XXXX only Document Numbered as Document XXXX Please take necessary action and remove your lien from this property at the earliest. Also let us know if you need any more info from us. You can reach us at XXXX XXXX XXXX. We request you to let us know when action is taken.
Thank you, ( XXXX XXXX )
|
| 08/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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My mortgage is with Fifth Third Bank in the amount of {$2000.00}. I have never missed a single payment because it has been on auto-pay for 5 years. In XX/XX/XXXX they added an additional {$15.00} to my Mortgage Loan Statement increasing my Total Amount Due to {$2000.00}. When my monthly payment for {$2000.00} was paid on time, they deducted {$15.00} from the payment. Because they deducted this amount, my mortgage payment was rejected and I was charged {$100.00} late charge.
When I called to inquire as to why this was happening they could not answer. They said it was a mistake and they would fix it. The following month my Mortgage statement had an additional {$15.00} on it again for a total of {$2000.00}. And again I made my normal payment of {$2000.00}. And again, they told me my payment was insufficient. And again I called them to figure out what was going on. And again, they said they didn't know and could not provide any further information.
This has been now going on for almost a year with no resolution. Fifth Third Bank has been harassing me with phone calls and letters demanding payments. When I speak with their customer service department to try to resolve this matter, they bully and try to extort money from me.
They have now put 5 late payments on my credit report even thought I HAVE MADE EVERY SINGLE MORTGAGE PAYMENT ON TIME. I have spoke with numerous people at every level who have promised to resolve this to no avail. I have followed up with Fifth Third Bank in accordance with their communication protocol including phone calls, faxes, and opening a case number. NONE OF THIS HAS MADE ANY DIFFERENCE. They refused to remove the marks from my credit and continue to harass me. I have kept detailed records and attempted to resolve this in good faith wasting hundreds of hours on calls and writing correspondence.
They just refuse to address this issue and continue their assault. Just to make it absolutely clear, I have not received a single call or correspondence to resolve this matter, just payment demands. Not a single correspondence of mine has be responded to.
I am now in the process of refinancing my loan and am unable to to continue the process because of my credit report being ruined and Fifth Third Bank falsely stating that it is because I have not made my payments.
Timeline : 1 ) Fifth Third took over my loan from MB financial in XX/XX/XXXX.
2 ) My mortgage payment at the time was {$2000.00}.
3 ) In XX/XX/XXXX, {$15.00} was added increasing the amount due to {$2000.00}.
4 ) XX/XX/XXXX, Late charge of XXXX + prior months payment not being properly accounted for plus an additional {$2000.00} totalling an amount due of {$4200.00} 5 ) XX/XX/XXXX, {$15.00} again added increasing the amount due to {$2000.00}.
6 ) XX/XX/XXXX, {$15.00} again added increasing the amount due to {$2000.00}.
7 ) XX/XX/XXXX, Amount due now 2 x {$2000.00} of {$4100.00} 8 ) XXXX, XXXX, XXXX, XXXX, XXXX, Same as XXXX.
During this period there have been 5 delinquent marks on my credit report by Fifth Third Bank.
My Complain number with Fifth Third Bank is # XXXX XXXX XXXX from Fifth Third is my most recent contact. Her direct number is XXXX.
For the attachments I've provided my statements, emails & faxes that support this complaint.
Thank you in advance for your attention to this matter. I'm happy to get on a call and/or provide further information to help resolve this unfortunate situation.
Regards
|
| 08/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
In XXXX, in the middle of COVID, forbearance options were provided to homeowners such as myself. As I was in a financial hardship due to COVID, I decided to use this option. At the time I was told I would have multiple options on how to settle this later, such as a restructured note, or a delay until the end of my note ( a balloon payment ). Starting the process was relatively easy, but getting any kind of feedback or assistance from my lender to settle things has been a nightmare. Essentially, I have never been given any option other than to restructure my mortgage to a XXXX YEAR note ( I only had XXXX years left on my original mortgage ). I was given no counseling on options, I was told it was impossible to speak with the loan modification person -- one day just a bunch of papers showed up via XXXX, and we were being coerced into signing them. The paperwork was not accurate ( one of the " owners '' was listed and required a signature -- my deceased father-in-law ), and I did not want to go from essentially a XXXX mortgage to a 40 year note. I contacted Fifth Third Bank ( my mortgage company ) and brought up the fact that I was not given any options and that even if I wanted to sign that paperwork it was not correct. After multiple phone calls after that, they sent NEW paperwork, that essentially was the exact same as the first round of paperwork, with slightly different payment amounts, but still a 40 year mortgage. I called them once again to state I did not want a 40 year mortgage, that I was never given any options, and they once again denied me the opportunity to discuss this with the loan officer doing forbearance situations. About a month later, I received a phone call from my mortgage company saying they are in the process of foreclosing on my home. Now, it is important to know that I have been making my mortgage payments, and on time for quite a while now. Even before I received the first round of paperwork, I have been making regular mortgage payments ( since essentially XXXX of XXXX ). AT NO TIME HAS ANYONE EVER THREATENED FORECLOSURE of my home, until this most recent phone call today. It has never even been a topic of discussion ... ever. Before COVID I had never missed a payment, I had never been late on a payment for literally XXXX years. During COVID and my hardship, I was told that basically I would not have to make payments during my hardship, up to 18 months I believe, and once my hardship was over there would be multiple ways to settle the situation. During COVID, my lender was extremely hard to get a hold of if I had any questions, and pretty evasive as to what my options would be when it was time to settle things. Now I feel like my lender is not only being evasive, but I feel they are purposefully attempting to slow play me into either a loan modification that I never wanted, or delay things until they can attempt to foreclose on my house, which has coincidentally gone WAY UP in value the last XXXX years. In either case, it would be a great thing for them, but terrible for me. I have maintained contact with the lender throughout this whole process, have MADE MY PAYMENTS, and have attempted to settle the forbearance, but I feel like I am constantly being given the runaround, have not been ever given any options, and now, out of the blue, being threatened with a foreclosure. I feel this is an unfair and predatory practice, and I want to lodge a formal complaint against the lender.
|
| 05/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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Since XXXX XXXX I have been trying to have my PMI reduced from my Mortgage. I had contacte d Fifth Third B ank in XXXX XXXX in writing for a request for a re-appraisal on the home to reduce my mortgage. I never received a reply. After contacting the bank, the bank responded that I filled out the incorrect paperwork and had to resubmit the request and sent out a letter for the 2nd ti me. I had a reappraisal preformed in XXXX XXXX . My Loan to Value ( LTV ) R atio if 78.2 % ; my original mortgage documents state that I can have my PMI reduced at an 80 % ratio . Fifth Third said they would contact XXXX XXXX as to why they can not reduce my PMI. They also said that XXXX XXXX requires a 75 % LTV. It should be noted that in XXXX XXXX , XXXX my load was assigned to XXXX XXXX . In a letter from XXXX XXXX it states the sale of my mortgage does not affect any term or condition of the Mortgage, Deed of trust or Note. On XXXX XXXX , XXXX I received a letter from Fifth Third Bank acknowledging my dispute that that the 75 % LTV requirements they stated it is something that XXXX XXXX is requiring ( the 75 % LTV ). Specifically, the Fifth Third Bank letter reads, " The 75.00 % is required by XXXX XXXX i f two ( 2 ) or more years, but less than five ( 5 ) y ears, have elapsed since the origination date of the mortgage load and no substantial improvements have been made in the property. '' It should be noted that this is no where stated in my original mortgage disclosure documents and is a unilateral decision that is being forced upon home mortgagors by XXXX XXXX and I do not believe they have the right to take this position. My original PMI Disclosure Letter f rom XXXX XXXX , XXXX states that PMI can be reduced based on an 80 %. It should be further noted that In the recent appraisal performed on XXXX XXXX , XXXX I found numerous errors and inconsistencies in the XXXX Appraisal where the 1 ) t he same appraiser was used for Fifth Third in XXXX XXXX that was used in XXXX XXXX ; 2 ) th e appraiser included a picture that was not even of the interior of my home ; 3 ) the appraiser specifically excluded properties that would have given my home a greater value and 4 ) the appraiser s pecifically included homes of inferior construct and did not account for adjustments as a result. My home was appraised at a value of {$390000.00}. My home is one of the largest in the neighborhood and I have sales records dating over the past year that similar homes with inferior construct have and are selling over {$390000.00}. I believe the appraiser is in bed with this lender to assess homes in favor of the lender. I have also told the bank the same and have not been able to get justification for their assigning of this appraiser. I will continue to write letters until my voice is heard.
I have contacted an attorney and they suggested I file a complaint with your organization to look into this matter. The attorney said you may be the only company that could possibly investigate this matter and ensure that it gets investigated fully. I believe a lot of consumers may be paying PMI to a lender as a result of this illegal activity in which XXXX XXXX is not honoring the existing PMI mortgage disclosures that were presented to the mortgagor at time of the loan origination. I would appreciate your investigating this matter. Thank you.
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| 11/27/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Servicemember |
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Scam and incorrect transfer by fifth third bank : I was the target of a fraudulent withdrawal on XX/XX/2019 in which {$2000.00} was withdrawn from my shared checking account ( transferred through XXXX ). The scammer contacted on a number that was the same number as the customer service number for fifth third ( XXXX ). The account was shared between me and my boyfriend ; however, all of the funds deposited to that particular shared checking account were solely from my employer.
I spent hours speaking to several different representatives to file a dispute and to recover MY funds. I was given multiple answers from different agents. For example, when I first called, I was informed that the funds would be recovered if the investigation determines that I did not send the funds. I was told by a different agent the next day that they would have to recover the funds from the thief in order to provide the funds ( even if they determined that I did not make the transfer ). When I asked what would happen if they couldn't recover the funds, I was told " your balance will be - {$2000.00}. '' Due to concerns with fifth third 's security and lack of protection against fraud, I have been trying for days to transfer my funds out of this bank. I was told that due to the amount, I would either have to come into the bank or I could transfer the funds online. Due to my work schedule, I opted to transfer funds online. I then found out I would need to wait 4 business days for fifth third to verify the external bank. I followed the steps and waited the 4 business days. When I tried to transfer, I received a notification that I could only transfer a maximum of {$2000.00}. When I called fifth third I was then told that the only way I could transfer the amount of funds was to come into the bank or use XXXX ( which I do not want to do since that is how funds were stolen ). If I would have known that I had to go into the bank, I would have adjusted my work schedule to come to the bank.
I asked to speak to a supervisor on XX/XX/2019 and explained my concerns with inconsistencies in information and delays in resolving my dispute. I recommend additional training to ensure representatives are providing consistent and accurate information, especially related to sensitive matters ( such as fraud ). I spoke to a representative from the Disputes Department and was told that the recovered funds would be mailed as a check since I closed the account that was targeted.
On XX/XX/2019, my boyfriend informed me that fifth third deposited the {$2000.00} to his personal account, which I do not have access to. I was the sole contributor to the account that was targeted and was the sole person who filed a dispute, yet the funds were sloppily deposited to the wrong person 's account. When my boyfriend attempted to transfer the funds to me we were told to either use XXXX ( which was used for the scam ) or to come into the bank. Now I have to figure out a time to take off from work to resolve this when the funds should not have been deposited to my boyfriend 's account in the first place. It has now been been escalated and I'm waiting to hear back.
Being the target of fraud was awful but fifth third 's handling of the matter has made this whole experience a nightmare. I encourage people to avoid this bank at all costs. I found out fifth third has mismanaged similar situations in the past ( see XXXX XXXX article - https : XXXX ).
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| 10/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, I was XXXX and needed my first car for work. I found a solid used vehicle on XXXX and because we are in rural XXXX California, went to a dealership in Oregon to purchase the vehicle. My mother co-signed on the loan as I did not have credit at the time.
Time passed, and I have no complaints about 5/3 Bank during the time the loan was open. I made every single 72 month loan payment on time. I relocated in XX/XX/XXXX back to the original address on the loan. Before making the final payment in XX/XX/XXXX, I called 5/3 Bank and confirmed the mailing address ( my new address ) and confirmed the payoff amount. I asked if there is anything at all that we need to do to complete the end-of-loan process. I was told there was nothing further to do but wait for the title in the mail.
XX/XX/XXXX - No sign of the vehicle title. I had my mail forwarded from my prior address and I did not have any missing mail to my knowledge. 5/3 states the title was mailed but provides a " release of lien '' to take to the DMV. I take the release of lien document to the DMV in California and I am told the vehicle was never issued a title in California and I will need to obtain a title from the lender. I contact the lender again and request a title as the first title was never received.
XX/XX/XXXX - The title does not arrive. Instead, we receive a second " release of lien '' document. I call 5/3 Bank again and explain the issue with this document at the Cailfornia DMV. They state we have to go to Oregon DMV. My mom drives to Oregon and goes to the Oregon DMV. They want {$93.00} for a duplicate title, and they also need the Oregon license plate of the vehice. Since the vehicle was purchased at an Oregon dealership, we never had the Oregon license plate number. Even if we were willing to pay for a document that should have been furnished by the lender, we could not obtain the title in Oregon without the license plate information. I was reassured by a representative that 5/3 bank would order a duplicate title and that I could expect it to arrive in 2-3 weeks.
XX/XX/XXXX - No title. My mom spends an hour on the phone with 5/3 Bank, getting a different answer from every representative. I call, and I also get different answers. " Well, the address was changed so we sent the title to the prior address '' " The title was never issued, you have to go to the Oregon DMV '' " The title was sent electronically to the California DMV. '' Now, 5/3 has involved a third party! We have been instructed to contact " XXXX. '' My mom contacted the third party on XX/XX/XXXX and they did not have any answers for her because it is a " bank issue. '' Yesterday, I contacted 5/3 Bank and was told to contact XXXX XXXX XXXX.
Today, XX/XX/XXXX, I contacted XXXX XXXX XXXX ( which is on eastern time and is a time inconvenience for those of us on the west coast ) and I was on the call for 20 minutes before they dropped me on a transferred line to 5/3 bank. Finally, 45 minutes later, I spoke with a supervisor at 5/3 who told me the case regarding our title had been open since XX/XX/XXXX and they can confirm they " ordered '' the title TODAY. TODAY - almost 90 days after I initially contacted them in XXXX to find out why we had not received the title. I am concerned that they have not actually ordered the title as I have heard this promise from them before. We are trapped in their failure to simply order and deliver a title.
|
| 11/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
XX/XX/XXXX I filed a complaint with CFPB and the Office of the comptroller stating the following : On XX/XX/XXXX I attempted to open a checking account that offered a {$300.00} bonus with a direct depo sit within 60 days. In XXXX of XXXX i received a letter for 5/3 bank that stated that they were u nable to open a new account until i personally visited a branch with documents to prove my ide ntity. I completed this request and was able to open an account on XX/XX/XXXX. On XX/XX/XXXX a qu alified direct deposit was received by the bank to complete the offer for the {$300.00} bonus as adver tised. The bank refuses to honor this advertised offer stating that the offer had expired because a direct deposit was not received within the first 60 days. This is a false statement because i was not able to open an account until XX/XX/XXXX. However their records only show me opening an acco unt in XXXX. This is false as they refused to open an account until I verified my Identity. Th e bank is refusing to honor the terms of the agreement and issue me the {$300.00} bonus credit dispit e the fact that i fully met all requirements for the offer On XX/XX/XXXX Fifth Third bank responded in writing stating : " Dear XXXX XXXX XXXX : We received a copy of the complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns.
On behalf of the Bank, please accept my sincere apologies for any frustration 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 these expectations.
When you opened your XXXX XXXX Checking account ending in XXXX, the Bank offered a promotional campaign for customers opening a new checking account. The new checking account had to be opened by XX/XX/XXXX, and meet certain activity criteria in order to receive the bonus payout. Specifically, the account had to have direct deposits totaling {$500.00} or more within sixty ( 60 ) calendar days of account opening to receive {$300.00} of the bonus.
Please be assured that we have researched this issue fully and found that this account did not qualify for this promotion due to the direct deposit not being established within the sixty ( 60 ) calendar days of the account being opened. However, a subsequent review was conducted, and while your direct deposit was established outside the promotional timeframe, the Bank determined unforeseen delays with Social Security direct deposits was outside your control. In the interest of customer service your account was credited with the {$300.00} in promotional funds on XX/XX/XXXX. I hope this meets with your satisfaction. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at XXXX, or toll free at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXX. '' However as a direct result from fifth third banks initial failure to honor this {$300.00} promotion as advertised caused additional damages of {$290.00} including 4 {$37.00} overdraft fees as well as 6 {$25.00} Extended overdraft fees totaling {$290.00} in fees I had to pay that I would of not had to pay if they had honored the original promotion at the time i met the requirements for the promotion.
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
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|
Web |
Older American |
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This memo brings to your attention serious allegations concerning the business practices of XXXX XXXX and our numerous, yet unsuccessful amicable attempts to remedy the situation.
We purchased solar panels for our XXXXXXXX XXXX home from XXXX XXXX XXXX on XXXXXXXX XXXX and had them installed and operational this XXXX We financed the purchase through XXXX and consented to all its terms. Most favorably, our exceptionally low interest rate, with its equaky low monthly payment, made our loan even more attractive because it was assumable.
So, after we accepted an offer to buy our home in XXXX, we were puzzled, perplexed andeventually disturbed that the buyers who qualified for a {$710000.00} mortgage were rejected totake over the {$45000.00} loan for the solar panel as part of the sales contract.
Over the course of several days, our real estate brokers along with the buyers agent were givencontradictory and opaque explanations for the rejection : from shifting assertions as to thecredit score requirements XXXX said the buyers failed to meet, to unspecified and non-disclosable requirements of loan originators. We were informed XXXX minimum scorerequirement was XXXX, rather high, then XXXX, and then again XXXX. We remain unclear as towhich score is true.
Nonetheless, having rejected both buyers, XXXX was invoking the contractual terms todemand immediate payment in full. The result : instead of solar panels being an attractive assetin selling our home, it became a major impediment.
This position by XXXX is blatantly self-serving, deceptive, unfair, and quite possibly inviolation of state and federal banking regulations.
We are seeking an inquiry and intervention by the Attorney XXXXenerals Office of Consumer, and with the Consumer Financial Protection Bureau Protection, with a request for specific information related to : Credit worthiness criteria for applicants, including credit score, and any additional considerations Average credit score of approved applicants Average credit score of applicants by race, ethnicity, country of origin and zip code Approval rate of applicants by race and ethnicity, country of origin and zip code Denial rate of applicants by race and ethnicity, country of origin and zip code Successful completed assumption of sellers by race, ethnicity, country of origin and zipcode Breakdown by race, ethnicity, country of origin and zip code borrowers who XXXX has demanded payment in full due to rejection of applicants to assume loans After we notified the company of or intent to file complaints, the XXXX XXXX instaler was told XXXX would seek to qualify the buyers. How? By asking for proof of income. So, we additionally want to know did XXXX alter stadard application practice on these applicants/buyers, in a rush to denial/ judgement when it never sought information on their ability to pay and assume the loan?
We are reasonably concerned that certain classes of homebuyers who purchase solar panel and have them financed through XXXX will expereince undue hardship upon selling their homes if the bank rejects thier potential buyers.
We anticipate with this information XXXX will see to it that our experience is reasonably remedied in a timely manner and is also not emblematic of a broader scheme of practicesarrayed against certain borrowers and homeowners. We are open to working with your respective representatives to satisfactorily resolve these issues.
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| 11/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a new account with fifth third bank around XXXX. Other than a {$10.00} cash deposit, i hadnt used the account for any deposits or purchases. Last week, I made my first larger deposit via ATM ( as the bank just closed ). I deposited {$500.00} in cash as well as 2 checks, 1 personal check from my XXXX for {$200.00}, and XXXX business check from my local fairgrounds for {$330.00}.
XXXX or 3 days later, I tried to access my account via phone app to see if the checks had cleared yet. I didn't want to go to the bank for a cashier 's check if the funds weren't available yet. I was locked out of my account and when I tried the customer service phone number it said I was locked out and could not access my account. So I went into a local branch to sit with a banker and see what was wrong. She called their fraud department and they advised her that my account has been frozen bc they were " unable to verify the funds were intended for me. '' I was able to answer every security question they had for me, but said that wasn't enough. I would have to have my mother 's bank send them a copy of her bank statement showing the check had cleared her account. Then for the business check, I would need to provide a copy of the check stub that the check came with. I literally just threw the check stub away so I no longer had it. They said I would need to get a new one from the fair before my account would be released. I went ahead and called the fraud department number once I got back to my car. I spoke with a rep who only continued to say the same thing regarding their need for these documents to verify if these checks were actually intended for me or not. I then demanded to speak with a supervisor. The supervisor informed me of the same information and there was no other way or verification that I could do. When I said that wasn't acceptable, the supervisor said " either you give us the XXXX documents that we require or we will close your account and you will get nothing. '' I informed the supervisor that was blackmail and highly illegal. I also asked the supervisor why they wouldnt just put a XXXX business day hold on the checks if they were concerned for any reason. He said that wasnt possible. He repeated himself saying to give them the documents or I wouldn't receive any funds, then hung up on me. I called a banker in XXXX that helped me initially to set up my account and she confirmed that the fraud company that they partner with had flagged my check deposit as counterfit. She even tried calling them to reason with them but she said they were nothing but rude with her as well and refused to release my account under any other remedy. My mother did try to go to her bank today to get the " statement '' that fifth thirds fraud department is requiring, but her bank advised her not to provide anyone with such sensitive information. They said they have never heard of a financial institution requiring that and that it sound fraudulent to them. They said the check cleared the bank immediately and that fifth third knows that. I don't think I blame them, as the entire situation seems highly illogical to me as well. But now fifth third has the money from my mom 's check sitting in my account and refuses to release those funds to me bc they suspect I'm writing counterfeit checks. They also have the money from the local fair business. So if they can't or won't help me, then I'm truly screwed.
|
| 03/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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My 5/3 card information was stolen via a gas station credit card skimmer. I reported it to 5/3 on XX/XX/2023. They opened an investigation and told me that it would be up to two billing cycles before it was complete. They advised me that I did not have to make payments on the fraudulent charges. After this, I was charged late fees and interest. For the next two months, I received phone calls ( from XXXX ) almost every day asking me to make a payment. When I answered the calls, I was usually immediately disconnected. On the rare occasion that I was able to speak with someone, they demanded payment. When I explained that the charges were fraudulent and asked them to stop calling, they told me that they would " let the fraud department know so the phone calls would stop ''.
I have attempted to reach out multiple times to stop the collection attempts and to have the late fees and interest charges removed. I have spoken to at least 3 different departments on at least 4 different occasions. Each time, I am told that I need to speak with a different department. At one point, I was able to get someone to reverse one of the late charges, but not the interest charge. The following month, I was charged another late fee and more interest. I was told that this time the late fee could not be reversed because they had already reversed one. Another department told me that the late fees and interest charges would be reversed when the investigation was closed. My repeated requests to reverse the charges now and stop charging them in the future were declined.
When I cited Title 12 of the CFR, I was told that the statements are not an attempt to collect a debt. After reviewing my statement again, it is clearly an attempt to collect a debt. Further, the supervisor would not comment on the phone calls. Here is some of the language copied directly from the statement : " Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to {$40.00}. '' " Please send payment to : FIFTH THIRD BANK XXXX XXXX XXXX XXXX, OH XXXX '' " Payment : You may pay all or part of your account balance at any time. However, you must pay, by the payment due date, at least the minimum payment due. '' Ironically, the statement also has the following language : " While we investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit. '' I believe that Fifth Third Bank has violated my rights and is continuing to do so by violating the following codes form the Code of Federal Regulation : 1006.38 ( d ) ( 2 ) - May not attempt to collect a disputed debt.
1006.6 ( c ) ( 1 ) - Must stop debt collection notices upon request.
1006.14 ( b ) ( 2 ) - Can not repeatedly call regarding debt.
I was unable to find a code regarding the charging of late fees and interest on disputed charges, but if it exists, they are violating that too.
|
| 12/17/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I live in the state of XXXX and on XX/XX/XXXX, I purchased a used XXXX Toyota Scion for my XXXX year old son who lives in the state of XXXX. I purchased this vehicle from XXXX XXXX XXXX located in XXXX XXXX. I advised the salesperson that I was purchasing this car for my son who lives in XXXX. Prior to signing the paperwork, I inquired what was the most efficient way to add my son to the title so he would be able to register the car in XXXX when I delivered the car to him. The salesperson advised me that I would just need to call the bank that financed the loan to have him added to the title. This sounded logical to me as that is exactly what I did while living in XXXX when I purchased a car for my daughter who also resides in XXXX. I just called the XXXX XXXX who financed that loan and for a small fee they added her to the title and she was able to register the car in her name in XXXX. With that said, I purchased the car.
On XX/XX/XXXX I received a call from Fifth Third Bank located in XXXX XXXX advising me that they were financing my car loan and they just needed to verify the information on my application. After verifying my information, I advised the 5th 3rd representative that I had purchased the car for my son who lives in XXXX and inquired what I needed to do to add him to the title. He advised me that once I got the car to XXXX that I just needed to call back and let them know the location of the vehicle and give them my sons information and they would be able to add him to the title. So now I have both the car dealership and the Bank advising me that there would be no issue with adding my son to the title. Equipped with this information, on XX/XX/XXXX, I drove the car I purchased for my son from XXXX to XXXX and presented the car to my son so he would have transportation to his part time job and for college when he starts in XX/XX/XXXX.
On XXXX, I called Fifth Third Bank to start the process of adding my son to the title. At this time, the agent advised me that is against XXXX XXXX policy to add anyone to the title. I was told that the only way Fifth Third Bank would add anyone is if they were a signor on the loan. I advised this person that I needed to speak to a supervisor. The supervisor advised me the same thing. I then requested to speak to a Manager and was told the same thing. On XX/XX/XXXX, I filed a formal complaint with 5th 3rd claiming that I was deceived into obtaining this loan and now they were not willing to follow through on what they told me before finalizing the loan. If they told me on XXXX XXXX, that it was against their policy to add a non signor to the title, I would have told them to NOT process the loan and I would 've drove the car back to the dealership and had them find a financial institution that would allow me to add my son to the title without being a signor. I have a XXXX FICO score so I was NOT dependent on 5th 3rd Bank financing this loan. I was in a position where I could have shopped around for a loan that fitted my needs.
On XXXX I called 5th 3rd back as no one called me back about the complaint. I was advised that my complaint had not been assigned to anyone at that point. I finally received a call back on XX/XX/XXXX advising me that there was nothing I could do as 5th 3rd was enforcing their policy. So now I am stuck with an {$11000.00} loan and a car that my son can drive.
I feel that this is a blatant UDAP violation!
|
| 12/25/2016 |
Yes |
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Web |
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I issued a dispute for a charge of {$350.00} with Fifth Third Credit Card Services for goods not received ( Case XXXX ). The charge was made on XX/XX/2016 and the dispute was issued on XX/XX/2016. I sent a written statement and supporting documents by certified mail on XX/XX/2016 and was received by Fifth Third on XX/XX/2016 ( USPS tracking number XXXX ). Fifth Third sent a letter stating that I have not responded to phone calls or mail correspondence soon after and reinstated the charge and assessed finance charges for the dispute that was later reversed but took several phone calls. Fifth Third then sent another letter with documentation from the merchant dated XX/XX/2016 and requested response by XX/XX/2016. The letter requested evidence indicating the merchant did not ship goods to the address merchant insisted was agreed upon. My follow-up letter with documentation was sent on XX/XX/2016 overnight ( USPS tracking number XXXX ). USPS tracking lists XXXX XXXX as the person who accepted the letter on XX/XX/2016 at XXXX XXXX. Within a week of sending this letter an undated letter was received from Fifth Third stating, " The dispute has been resolved in your favor, and a credit has been applied to your account in the amount listed above. '' On XX/XX/2016 a charge of the disputed amount from the merchant was reapplied to my account without any notification from Fifth Third. I contacted Fifth Third numerous times and several representatives ' stated Fifth Third had not received my letter dated XX/XX/2016. Another representative confirmed receipt of my letter and forwarded to the back office for review and requested a supervisor call me to issue an update and reason for the applied amount. On XX/XX/2016 XXXX a supervisor with Fifth Third left a voicemail on my personal phone stating the information sent in by the merchant does not support the case, but Mastercard requires a written response from me stating that I have reviewed documentation from the merchant and that I am still in dispute. On XX/XX/XXXX I returned Fifth Thirds call and spoke to XXXX at XXXX, XXXX stated Fifth Third required more information. On XX/XX/2016 I spoke with XXXX and requested a fax of all documentation pertaining to my dispute. XXXX stated it would take 3 business days to receive the fax and that someone would call prior to the fax being sent. On XX/XX/2016 I spoke with a supervisor name XXXX ( recorded conversation ) that indicated they had my letter dated XX/XX/2016. She said the reviewer still needed time to review my letter with documents and that she was going to report the reviewer to her supervisor for not updating my file in their system. XXXX confirmed I would be receiving a fax and telephone call regarding documentation requested from Fifth Third. I am still have not received the fax or telephone call from Fifth Third and the charges are still applied to my account. The dispute has now exceeded two billing cycles and 90 days. Fifth Third has not performed its duty to resolve my dispute. They have not properly handled information pertaining to my case and therefore could not resolve the case with in the required timeframe. I request the case be settled promptly and the information provided be reviewed. Secondly, I request all documents sent to me from this day forward to be dated, and that I receive a phone call from a manager with the authority to escalate and resolve this case.
|
| 06/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX XXXX, XXXX I received an XXXX in the mail. Upon checking my bank account, I found XXXX fraudulent charges- XXXX from the XXXX placed XXXX/XXXX/XXXX and XXXX from XXXX XXXX placed XXXX/XXXX/XXXX. I called Fifth Third Bank and reported the fraudulent activity. They closed the card and I received a provisional credit for the purchases on XXXX/XXXX/XXXX. I was told that the investigators would be contacting me soon and that I should ask them what to do with the phone that I had received. I was never contacted by the bank. On XXXX XXXX, XXXX, I received a letter from the bank stating that the merchant in charge had verified that the charges were valid and that they had already debited my account for the total {$1600.00}. They also said that I had the right to request documentation used in their investigation. On XXXX XXXX, XXXX, I faxed a letter to Fifth Third requesting the documentation and stating that I would be appealing the resolution and actually received the documentation in the mail on XXXX XXXX, XXXX.
As a result of the receipt of the documentation, I called XXXX on XXXX XXXX, XXXX and spoke with XXXX. He took my concern to the fraud escalation team who issued return and refund labels for the phone. We also identified that the email address associated with " my '' account at XXXX, was not, in fact, my email address. On XXXX XXXX, I spoke with XXXX again and he confirmed that once they received the phone, they would work with the bank to make sure that the refund would be applied to my account. I sent the phone back to XXXX through XXXX on XXXX XXXX, XXXX. According to XXXX they received the phone on XXXX XXXX, XXXX and my refund was processed and cleared XXXX on XXXX XXXX, XXXX. I also filed a fraud alert on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I called Fifth Third to check on the refund, which had not posted to my account. I was told that they had no record of the refund but that I could send a rebuttal letter to Fifth Third detailing my complaint and they would look into it my complaint. On XXXX XXXX, XXXX I also filed a police report concerning the fraud, contacted my local Fifth Third branch and spoke with XXXX regarding the account number and filed an Identity Theft Affidavit with the FTC. I also called XXXX and spoke with XXXX, however, he told me that he could only work with my bank to address the issues. On XXXX XXXX, XXXX Fifth Third received a rebuttal letter from me, I sent it with tracking and signature of receipt, stating that I was disputing the charges base on the email addresses, ip addresses and missing documentation from XXXX which supposedly confirms proof of purchase and proof of delivery but which were not included in the documentation that I received from the bank. I also requested that the bank look into the missing refund from XXXX. I never received any communication from Fifth Third following this letter. On XXXX XXXX, XXXX, I contacted XXXX and talked to XXXX and received a web order number that could be used to track the refund and again confirmed that it had cleared the bank on XXXX XXXX, XXXX.
On XXXX XXXX, XXXX, I faxed a copy of the letter that was received on XXXX XXXX, XXXX and more strongly stated my needs from the bank. I have never received any communication from Fifth Third regarding this communication.
I am very frustrated by the lack of communication regarding my case and would like resolution to this matter.
|
| 01/13/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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On XX/XX/2021, we noticed an {$1800.00} withdrawal from our checking account and then an immediate {$1800.00} deposit. Since we never made these transactions, we went immediately to the local Fifth Third Bank in XXXX, NC, the local branch. After being quizzed a number of times about our whereabouts and banking behaviors, it was determined that someone presenting themselves as XXXX XXXX ( me ) entered a Fifth Third bank in XXXX, Ohio. They tried to cash a check drawn on an account with XXXX XXXX. The branch would not cash the check but told the individual ( s ) that there was money in the account and then gave them a generic withdrawal slip. The bank associate then gave the XXXX our account number. The withdrawal slip was filled out and forged and the money was given to the criminal. We opened up a fraud claim and were told that the money withdrawn would be put back in our account within seven to ten business days. That was just under a month ago. Since then, the check which the employee deposited, which was evidently also fake, was voided so we are out the {$1800.00}. The bank associate here, XXXX XXXX or something is more interested in sparring with me about details and making excuses then he is in resolving the issue. Since we left the local branch on XX/XX/2021, we have not heard word one from XXXX XXXX, nothing. When the {$1800.00} came out causing fees, overdrafts, etc ( which we were told would not happen ), I went back up to the branch and asked for the manager. That person of course was unavailable so 'Sammi XXXX came over to me even though I said I didn't want to deal with him He started sparring with me again, picking a part the details of our initial meeting ( i.e., we were only there for a bit over two hours, not three hours as I had said ). He started up with the same refrain from our first visit, telling me we just need to wait on them, this stuff happens, this takes time, he doesn't have any phone numbers for the corporate office, etc. I told him we had been more than patient, waiting three times longer than we were told to wait and I didn't want to be placated further. He suggested that he had done all he could and tried his best but he still refused to give me another number to call. He said that I need to stop blaming him, he didn't steal our money. I told him I didn't accuse him of stealing it but someone at his bank did and we want it back and we want it back now. We ended up calling the fraud department again ourselves and they admitted that they 'dropped the ball ' and said they would escalate the matter.
At this point, I have no faith in this bank. They seem surprised that we are 'so upset ' about their employee draining our checking account a week before XXXX. They don't understand as to what a hardship this has been, how time consuming at our busiest time of the year personally and just how emotionally draining it is. Then to have to deal with this surly oaf 'Sammi XXXX who has done nothing for us and seems to be completely unaware of how to be of any assistance at all, that is just the icing on the cake.
I think that Fifth Third has completely mishandled this and I'll go a step further and say that they have likely been complicit in the crime. We didn't remove our money from the account, they did, it was their decision and their doing. Please assist us in getting it back and then initiate a thorough investigation in to this matter.
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| 06/02/2015 |
Yes |
- Bank account or service
- Savings account
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Web |
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On Thursday XXXX XXXX I went to Fifth Third bank to deposit a check in the amount of {$15000.00}. I went to the drive thru window and was XXXX greeted by the teller. After the teller saw the amount of the check she left the screen without informing me of what was going on and a man named XXXX appeared on the screen at the teller window that is equipped with cameras. He indicated he was a personal banker and asked with assertion for details about the check. Specifically he asked from where did I get this check and he asked did I know anything about the bank the check was issued. I knew about the check the funds were issued and asked if all the questions were necessary. At the end of the conversation and exchange I was threatened. XXXX stated to me that if I did not tell him where I got this check from he would not be able to deposit the check into my account. I asked him to return the check to me and I drove away from the drive thru window. On Tuesday XXXX XXXX my XXXX XXXX XXXX and I entered 53rd bank. We specifically asked for XXXX since I had met with her on Thursday XXXX XXXX after the incident with XXXX. We both entered XXXX 's office and XXXX acknowledged that we looked related in the initial pleasantries of the meeting. After I sat down I told XXXX that I am here with my sister who has a check in the amount of {$15000.00}. I shared with XXXX that I would like to deposit the check into my savings account. XXXX informed me that 53rd has a policy that they do not accept checks from third parties. She indicated that the only way that the check would be deposited at XXXX would be to set up an account in my sister 's name or to add my sister to my account. Since XXXX again refused me the opportunity to deposit a check into my saving account my sister and I left her office. XXXX made sure to say sorry as my sister and I were walking out of her office. Summary : I feel I was treated unfairly as a 53rd customer because I was not allowed to deposit money into my 53rd account. Such actions by the personal bankers were discriminatory in nature. I have the right to deposit money into my savings account as a 53rd account holder yet on XXXX occasions I was denied that right. I feel such actions by the personal bankers were racially motivated in that they did not see me as a customer who had all the rights and privileges as other customers. Nor did they view me as someone who they could do further business or invest such funds. Rather they saw me as a XXXX women and perceived that depositing a large sum of money like {$30000.00} was suspicious as in the case of the XXXX personal banker who grilled me on where I obtain the check. And in the case of the XXXX personal banker I was treated unfairly because other customers are allowed to have someone endorse a check over to a 53rd customer so that the 53rd account holder could deposit such funds into their account. However, my actions were always viewed with suspicion. Even though my request to deposit my sister 's check into my account was consistent with all bank policy including 53rd as a special endorsement I was not allowed to engage in this basic activity. I was denied that right by the XXXX personal bankers I worked with. Moreover, 53rd 's business code of ethics suggests that the bank values respect and inclusion. I did not feel like I was treated like a respected or valued customer. I hold a XXXX and am an XXXX.
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| 10/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/ a Levy was placed on all accounts with my name at Fifth Third Bank. On Friday XXXX XXXX debits and credits to the accounts were blocked. My spouse XXXX XXXX visited the branch and was advised XXXX would be deducted from the account based on a Writ of Execution presented to the bank by the XXXX Sheriff 's Department.
The Levy was presented for XXXX. This amount was available as the account balance was over XXXX. Fifth Third could not explain why three accounts were frozen for XXXX when they could have garnished the amount and presented payment to the Creditors. As a result several payments were returned including mortgage and credit card payments resulting in additional fees to other creditors. My daughter 's account was frozen preventing payment to her Creditors. Additionally Fifth Third misrepresented payment to the Sheriffs office stating they were sending payment for XXXX, however the Sheriff was advised via the court that no funds were collected.
On the following Monday, XX/XX/2023 the Levy was lifted from one account and left on the other XXXX. At this point the Writ of Execution expired and Fifth Third stated they help XXXX and presented it as payment. When the Levy was not lifted from the other two accounts as stated they were by Fifth Third additional payments were returned and additional fees were incurred by other creditors. During the week on XX/XX/2023 several calls were made by myself, my daughter and my spouse asking why the Levy was only lifted from one account and no answers could be given.
On XX/XX/2023 the Sheriff who presented the Levy XXXX XXXX XXXX contacted Fifth Third and advised the levy should be lifted. A representative for Fith Third advised they would not lift the levy until a letter from the creditor was presented advising them to lift the levy. The creditor advised they are no longer involved as it's been presented as a civil matter by the Sheriff and no letter would be presented by them. XXXX XXXX advised that legally they had no standing to continue to hold my funds because the Writ of Execution was no longer valid and Fifth Third still refused to lift the levy until they received a letter. XXXX XXXX then advised he would send a letter the following week Monday XX/XX/ to have the additional levies lifted.
There are recurring payments that are being returned on the levied accounts. When asked why the additional levies were not lifted although the levy was lifted from one account no answer could be provided. I did not receive a letter from the bank before the accounts were frozen. When calling the bank I was advised to go into a branch before they reviewed my accounts. When I visited the branch located at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/ I sat in the branch for 20 minutes and the banker stated she did not know what a levy was and she needed to research. I had to leave work to go into a branch. My spouse had to leave work to go into a branch. My daughter missed work to go into a branch.
For XXXX we've accrued over XXXX in returned payments and late fees, and a combined 5 hours of unpaid time at work. Not because there was a levy placed on the account but because Fifth Third grossly mishandled this levy by providing incorrect information, requesting documentation that is not legally required to remove the levy and not sending a letter before or after the levy was placed on the account.
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| 03/08/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In XX/XX/XXXX I acquired about hardship for my mortgage. XXXX sent me papers to fill out. On XX/XX/XXXX I mailed all my papers to XXXX in loss mitigation customer care. I again had to mail her more papers on XX/XX/XXXX. I expressed my concern about not be able to make XX/XX/XXXX house payment. I told her I have never been late in 12 years since my husband died in XX/XX/XXXX. She informed me that I was seeking help and nothing would happen to me for not making the payment. She said I qualify for help and I would be ok. I am so disappointed in her terrible advice. I would never have not made the payment, I would have asked my family for help to make XX/XX/XXXX 's payment if I would have known Fifth Third would report me immediately on my credit report and lower my credit score by XXXX points. I was never once informed this would happen for seeking help. I called her twice and emailed her once and she never returned my calls or emails. She gave me false advice and now I do n't qualify to buy a home for my kids and I. I ca n't believe someone would do this to me. It 's said enough us losing my husband and my XXXX kid 's daddy but now our family home. And now I ca n't qualify to buy a home because a 1 time being late ruined my credit. I tried calling at XXXX but every number I tried said Fifth Third was closed. I received a letter saying I do n't qualify for any help at all. I was late in XX/XX/XXXX because of her telling me it was ok because I was seeking help. She again NEVER told me they would report me to the credit bureau and that my credit score would be lowered by XXXX points. My payments of XXXX that I made for XX/XX/XXXX was labeled unapplied credit and the rest XXXX was also labeled unapplied credit. I have made all current mortgage payments and ca n't get her to return my phone calls. She knows she gave me the wrong advice and that 's why she is n't returning my emails or phone calls. I expressed in XX/XX/XXXX my anxiety on not paying my house payment on time. She told me I was going to be ok. That nothing was going to happen to me. How can someone do this to a widower and her children. I need this off my credit and have my score returned to good so I can buy a home for my kids and I. I am so dissatisfied with the bad advice XXXX gave me. I should have never listened or trusted her and I would n't be in this serious mess right now. I am so disappointed and depressed right now. I trusted her and look where I am right now. Credit ruined and no way for me to buy a new home for my kids and I. I would never of not made that XX/XX/XXXX house payment if she would have told me that it would lower my credit score by XXXX points. I would have made that XX/XX/XXXX house payment through asking my family for help if she would have told me the truth about my credit was going to be ruined. She NEVER once told me this. I am so sick to my stomach on how she could leave such a serious issue out of our conversation. Someone please help me. I have never missed a mortgage payment in 12 years. I would never have missed XX/XX/XXXX 's house payment if XXXX would have told me what would happen if I missed XXXX mortgage payment. I need this XXXX time late mortgage payment off my credit score so I may buy a home for my kids and I. I work XXXX jobs. I am a hard worker. Someone help me please. Do n't ever listen to XXXX from Fifth Third, she ruined my life.
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| 06/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint is related to XXXX Mortgage.
On XX/XX/XXXX I received a call from my mortgage company that my mortgage payment had not been received. I explained that my records indicate the payment was sent on XX/XX/XXXX. The representative acknowledged that the payment was received and that they would ensure the payment was applied to my mortgage.
On XX/XX/XXXX I received a second call from the mortgage company about not receiving my mortgage payment. I explained to the representative that I had previously talked with their office and was assured the payment was received. The representative again confirmed payment was received and would ensure that it was applied to my mortgage. I expressed concern that this payment matter needed to be corrected as it was not approaching 30 days and I didn't want it to impact my credit score.
On XX/XX/XXXX, I called to inquire about the payment and was advised that the payment was not applied. I also learned that the the payment wasn't applied because it was short due to an increase in my escrow payment. This was the first time it was communicated to me that the payment was insufficient. I agreed to pay the shortage and requested that this delinquency not be reported to the credit agency as it was now 30 days before they communicated the reason for the shortage. They refused to accept responsibility for failing to communicate the reason the mortgage payment was not applied. I sent a request to the Office of the President at XXXX Mortgage requesting that this error be corrected. The office of the president responded that I had hung up before the representative could explain the reason for the shortage. I explained that that was not accurate. The representative assured me that the payment was received and that they would ensure it was applied. I requested a formal investigation including a review of the recorded taping. The office of the president claimed they reviewed the recordings and recited that I was told the reason for the payment shortage. This is categorically incorrect and false. I explained that the bank representatives on XXXX occasions assured me the payment would be applied. The bank employees did not explain that my payment was short or why the payment was insufficient. Moreover, the bank held my payment due to an escrow shortage... when they should/could have applied the at least part of the payment to the mortgage balance. This was a failure of the bank to communicate accurate information. If the information were communicated in both phone communications ( which were initiated by the bank ) then the 30 day delinquency could have been avoided. This is a failure on the bank... not on me as the consumer. The bank further states that they sent a communication about the shortage on XX/XX/XXXX. While I don't dispute this, I can say that the communication was not received until after the XX/XX/XXXX communication. Therefore, I was unaware that the payment was delinquent or why it was delinquent. The only communication I had was with the bank on XX/XX/XXXX and XX/XX/XXXX. I believe the bank has changed their response ( as noted above in the example where they indicated that I was unavailable for the representative to provide an explanation ... This is not true. They later came back with a separate explanation. I requested a copy of the recorded conversations and I haven't received them.
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| 12/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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In XX/XX/XXXX, I received notice from my previous mortgage servicer that my mortgage was being transferred to a new owner, Fifth Third Bank. I was given instructions to mail a check to Fifth Third for XXXX, since I would n't have an online account set up by the XXXX of the month. I mailed the check on time, and it was cashed on XX/XX/XXXX.
Since then, I paid my mortgage online for XXXX. In XXXX, I noticed that my autopay setup apparently had not gone through as expected, so I logged in to my account to pay on XX/XX/XXXX. At this time, I saw that Fifth Third still showed me as being late for XXXX, even though I had definitely paid, so I contacted customer service through my online account that day to inquire.
It was n't until XX/XX/XXXX that I realized I had a reply from the bank, since their system inexplicably does not alert you by email when customer service replies to a message. In subsequent messages, they told me their records showed they never received a payment for my first month under their servicing in XXXX, even though my bank shows a check cleared for my mortgage amount. Customer service asked me for further details to research the issue, including the check number, account and routing numbers, and the amount, which I provided. They advised on XX/XX/XXXX that it would take up to four business days -- until XX/XX/XXXX-- for them to research the whereabouts of the check to get it properly credited to my account.
By XXXX XXXX on XX/XX/XXXX, I had not received any further communication from Fifth Third, so I contacted them again via online message to check on the status of this issue. To customer service 's credit, they replied the same day to inform me they had not been able to find the check. They asked me to contact my bank to get copies of the front and back.
My online account with XXXX did not have images of the check on file with my account as they usually do, so I called my bank by phone to see if there was something they could dig up. Unfortunately, the check was cashed by ACH withdrawal, and there does not seem to be a scanned paper record or " converted check, '' only a notation on the ACH withdrawal for the check number ( XXXX ). At this point, I filed a dispute on the charge with my bank because neither my bank nor Fifth Third seems to have proof of where my mortgage payment ended up. ( I considered that someone could have stolen the check somehow, but I think it 's much more likely my new mortgage servicer cashed it and did n't give me credit. ) XXXX says it will likely take anywhere from 15-45 days to research and resolve the dispute.
In the meantime, I 've spent the holidays receiving passive-aggressive notices from the bank about payment assistance and my rights in a foreclosure, for a mortgage I have paid faithfully every month. ( No, I do n't need help paying my mortgage ... Fifth Third needs help processing it! ) I 'm worried that Fifth Third insists I double-pay my mortgage immediately because they ca n't find the check they cashed, or else they will drag down my excellent credit score by claiming I missed a payment. I would greatly appreciate the CFPB 's help in expediting resolution on this issue. It 's unacceptable that my most valuable asset, my home, is being threatened because my mortgage account got sold without my consent to some jokers who can barely handle payments.
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| 09/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was laid off in XX/XX/XXXX through no fault of my own due to COVID-19. I entered a forbearance program to defer the payment of my mortgage until I was able to secure employment I have continued received letters from 5/3 Bank with Mortgage Loan Statements requesting payment of the total amount due. The last letter showed that monthly payment were {$96000.00} and the total amount due was over {$18000.00}.
When I learned that I obtained employment and was going to start working again in XX/XX/XXXX, I contacted the bank at XXXX to let them know I wanted to defer the past due amount and start making payments again to retain ownership of my home.
In XX/XX/XXXX, I received a letter through the XXXX. This letter requested a payment in XX/XX/XXXX of {$990.00} to enter in the deferment agreement. It also stated that there were 19 payments to be deferred, 0f {$10000.00} principal and interest and {$5400.00} of other amounts to be deferred, for a total of {$15000.00}, and that the next scheduled monthly payment due date will be XX/XX/XXXX. I call the same number above to explain that it was confusing for them to request payment in XXXX and then estate that the payment was due in XX/XX/XXXX. I also realized that from XX/XX/XXXX to XX/XX/XXXX there were 19 months ... so that meant that the payment of XXXX was also deferred according to them, but they were requesting that monthly payment.
In XX/XX/XXXX, I received a second letter through the XXXX. This letter stated the agreement was entered XX/XX/XXXX, and showed EXACTLY THE SAME AMOUNTS OF PRINCIPAL AND INTEREST AS WELL AS OTHER AMOUNTS TO BE DEFERRED FOR THE SAME TOTAL OF {$15000.00}, However, this letter stated that only 18 months were deferred. I called the same number and requested to know why the amounts were the same, the date of entering agreement was XX/XX/XXXX, and the number of months only 18. The rep told me that the first letter was wrong and I was to receive a second letter. I told him again and again that I already received the second letter but the number were the same but with a month less of deferment.
At this point, i am extremely confused. My Mortgage XXXX XXXX showed over {$18000.00} and if I multiply the regular monthly payment of {$960.00} times 18, I get {$17000.00}. Then the two letter received in the XXXX show only {$15000.00} as a total and they request monthly payments of {$990.00} ; the first letter showed this amount of 19 months to be deferred, the second letter for 18 months...
At this point, I don't know what is my regular payment, how much are they deferring, and what is the amount of escrow i am paying and if I am deferring some of that too ... What are the Other Payments to be Deferred? My XXXX XXXX XXXX are {$130.00} plus {$430.00}, and the escrow showed in the XXXX XXXX XXXX {$390.00}.
XXXX x ( XXXX ) = {$10000.00} - This is the same reflected in the deferment letter XXXX x XXXX = {$7000.00} This is not the same, they show only {$5400.00} ... What is this amount? The taxes? Annual taxes according to XXXX 's website are {$3900.00}...
This is why I am so confused... I want to know what I am paying ( what are the other amounts due? ), when I am suppose to pay ( XX/XX/XXXX or XX/XX/XXXX ), and how much is my monthly payment ( {$960.00} or {$990.00} ), and how much is the outstanding principal balance after I am defer 18 months.
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| 08/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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This problem started when Fifth Third Bank purchased my mortgage from XXXX XXXX in XX/XX/XXXX. In XXXX, Fifth Third sent me a notice that they require Flood Insurance on my home. I purchased my home in XXXX, I took out a mortgage with XXXX XXXX in XXXX and was not required to have Flood Insurance. I refinanced my home with XXXX XXXX in XXXX or XXXX and again was not required Flood Insurance. Fifth Third purchased my mortgage in XX/XX/XXXX. On XX/XX/XXXX I received a notice that my loan was transferred to Fifth Third. The auto payment from my bank was returned to my bank because they couldn't apply it with XXXX 's account number. I then received a notice for flood insurance. i sent them a " dispute on XX/XX/XXXX to XXXX. On XX/XX/XXXX, I sent certified copies of the elevation of my property to XXXX. I called them on XX/XX/XXXX and did a telephone payment with Fifth Third. I did not get their account number until XX/XX/XXXX. On XX/XX/XXXX, I received a " second notice '' about the requirement for flood insurance. After several phone calls, I was told that they never received anything and was told to send everything to XXXX. This was done on XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX XXXX, a supervisor, and was told that they had nothing about the dispute that I had sent them. On XX/XX/XXXX, I resent everything to the supervisor XXXX XXXX XXXXXXXX. I also obtained from my insurance agent an email and a Standard Flood Hazard Determination and a map from the Department of Homeland Security, XXXX XXXX XXXX XXXX which clearly indicated that my home was in flood zone X and flood insurance was not required.On XX/XX/XXXX I received a notice that Fifth Third had obtained flood insurance from XXXX XXXX XXXX XXXX for a cost of {$2100.00}. On XX/XX/XXXX, I received a letter from Fifth Third which said they received the elevation certifications but that they would require a LOMA or LOMR removing my property from a flood zone. On XX/XX/XXXX, I sent a Certified letter to XXXX XXXX XXXX, President and CEO of Fifth Third Bank along with copies of the certificates of elevation, the Standard Flood Hazard Determination fro XXXX along with the map from Homeland Security. On XX/XX/XXXX, I did get a call from Ms XXXX XXXX, from the office of the President. I did get her assurance that a case has been opened, issue # XXXX and that more information would be mailed to me within 15 to 25 days. On XX/XX/XXXX I have a letter from a XXXX XXXX XXXX, Senior Vise President, because the mortgage payment amount was {$880.00} not the increased payment of {$1100.00} which included the " forced flood insurance '' payment which was deducted from my escrow account. I tried to call them on XX/XX/XXXX, which the letter stated their hours of customer service was XXXX to XXXX Monday Through Friday and Saturday XXXX to XXXX. Needless to say, every office in Fifth Third was closed on Saturday. I called their customer service today, XX/XX/XXXX and spoke to a XXXX and was told she could not apply the payment as a normal mortgage payment. When I spoke to Ms XXXX, I had asked her to notify the department that I was not instructing my bank to increase the payment and she said she would. I have all of the documentations and copies of the correspondence via e-mail to all the departments in Fifth Third Bank and would be happy to forward them to you.
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| 05/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/XXXX My phone number was hacked and taken over through XXXX XXXX and ported over to XXXX prepaid, from there the person used my number to hack into my email. They then used my email to set up XXXX XXXX and transfer XXXX XXXX out of my account in 2 separate transactions. One for XXXX XXXX and one for XXXX XXXX to an account with the name XXXX XXXX. Because they had taken over my phone number they were able to recieve the authorizarion code from XXXX. Because this was a Saturday I was unable to contact fifth third bank until Monday XXXX XXXX. I did however contact customer service at XXXX and let them know the situation and have them remove the XXXX from my account and note that it was not me that authorized the transactions. XXXX XXXX was also unable to recover my phone number. Thus causing me to have to get an entirely new number. On Monday the XXXX I went into the fifth third location in XXXX Michigan where I reside and spoke with XXXX XXXX, whom also had the same situation happen to her in XXXX XXXX XXXX. XXXX updated my contact information that day to the new number I had to get and set my account up for no online access as well as started the disputes on my account. From there I filed a police report ( report # XXXX XXXX XXXX for XXXX XXXX XXXX XXXX I filed a complaint with the FBI cyber crimes unit, as well as locked all of my credit reports down as this person had access to my entire bank account and tax return information through my email. Fifth third then after 30 days approved the return of the XXXX XXXX charge but not the XXXX XXXX charge. Stating that because they had the code sent to my number it was a valid transaction. I spoke with XXXX in regards to the denial she then filed another dispute with more detailed notes, including the police report. Fifth third has again denied the return of the XXXX XXXX charge. When I called to speak to a supervisor in regards to why she again stated that there was no proof my phone number was hacked. When I questioned if during they're investigation they got in touch with XXXX in regards to the notes from the day it happened she stated all they did was determine the code was used. I then asked if they verified the IP address the charges were made from, were from my phones IP address, she then became very rude and load stating that no they don't use IP address information only the verification code proof. She then stated I needed to provide more proof. When I asked what more specific proof I needed to provide aside from what I already had, she couldn't tell me directly what else I needed. I was in the process of trying to purchase a house when this all happened, however had to put that on hold because the account needed to remain open with a XXXX hold on it so that if they gave me the money back, it could go into the account in which it came out of. We are running the risk of losing out on our home with being unable to proceed with the buying process by having that account open in hopes of our money being returned. Banks are supposed to be secure with our money, and I've now spent almost 4 months fighting to get back the money I trusted to them with. I have attached the receipt from having to get a new number, the emails of the XXXX transactions, as well as where the charges came from, on an XXXX Device of which I don't have, I have an XXXX.
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| 10/01/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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First I would like to set some context for the overall mis-representation of XXXX XXXX that led me to originally transfer from my other bank.
Thru the ADP portal that I use to manage my payroll I received details about the ability to receive a XXXX card / account ( XXXX Card is issued by the Fifth Third Bank , National Association ).
As part of the value-proposition XXXX ( Fifth Third Bank ) promoted the ability to receive my payroll 'up to 2 days ' early.
This turned out to be entirely incorrect, and I constantly received the run around 'blaming the employer '. However I did consistently receive it the day of the pay-roll.
Today however ( XX/XX/XXXX ) I woke up to NO PAYROLL in my account. Having contacted first the online agent support and then the call center, i received the run around followed my a strange reasoning that was no where to be found in any of the bank documentation.
Namely something ambiguous that I can not find any any bank documentation about exceeding XXXX $ USD in monthly deposits. Now it is true that on XX/XX/XXXX and then on XX/XX/XXXX and then again today XX/XX/XXXX I received a payroll each totaling XXXX.
However ( a ) I can not seem to find this any bank documents available online, have requested it and yet to received anything. ( none of the documents on the XXXX XXXX XXXX site under policy documents show anything in this regard ) ( a1 ) I have a XXXX agent online ( screenshot available ) informing me that " it is not showing anywhere online, online internally ''. that this policy exists.
( b ) I had to proactively discover this after the bank to my money hostage, was never informed ( c ) Once I was informed of what i needed to do, which is was to send proof of payroll stub to this site ( XXXX XXXX XXXXXXXX ). The site itself is not asking for anything to do with payroll but demanding XXXX instead. Seemingly to make it very difficult to actually process this.
( d ) It is highly strange to ask for these details in the first place, when it is the same employeer paying the exact same amount and has done so many times into my account. Seems like a tactic to withhold my funds without reason then a legitimate ask given the historical data the points the bank has directly in front of them to validate the legitimacy of the transactions.
Currently I have rent due today, with no funds available to me, without exact clarity when i will receive my funds, but seeming it could be Monday. Who then is responsible for my late fees? Do I have a right to sue under these circumstances?
Finally this experience is compounded by the ongoing issues I've had with the chat system dropping on me in the middle of prolonged discussions, even currently I've been on hold for 90 mins waiting for an agent. Last time I was on hold a month ago the call just dropped after about 2 hrs.
There is absolutely no accountability at this institution for anything. I believe there to be at best misleading marketing practices, very strange control of funds, horrible support infrastructure.
Incidentally I have screenshots and recordings of everything above and can provide both here-in an upon investigation and request.
I can only hope that there are people and institutions that can finally hold someone accountable for the unethical practices of this organization XXXX ( Fifth Third Bank ).
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| 07/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My mortgage company XXXX AKA the Bank ) offered us a post Covid19 forbearance modification plan. The modification agreement specified new extended amortization terms, as well as a reduced interest rate. The mortification agreement provided new monthly payments and terms to replace all previous amounts owed that remained from the original mortgage loan and the payments deferred during the forbearance period. We repeatedly asked ( and documented ) the Bank to provide us with disclosures, explaining how the new payments were calculated and they failed to provide this information. We had to accept the terms of the agreement in good faith and the agreement was signed by all parties and notarized in XX/XX/2021. Four months later in XX/XX/2021, after the new corresponding monthly mortgage payments were well established, the Bank informed us via a correction letter that they made an error and did not include deferred amounts in the modification. The Bank added those deferred payments to our mortgage account balance several months after the agreement was finalized, even though they were not authorized to do so, and we never agreed to this in the signed and notarized documents.
We requested that these charges be removed multiple times and the Bank refuses to do so. In order to get the Bank to respond to any requests for additional information, we had to lodge a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX ) in XX/XX/2021. In response to our complaint, as well as a subsequent complaint to the CFPB, the Bank first reported false information stating that we agreed to the new terms and signed new documentations. We provided proof that that their claims were false. The Bank then changed their response and in subsequent correspondence stated they can change the terms of the modification agreement without our approval, insisting that they had the right to do so under an Errors and Omissions statement ( O & E ) that was part of the modification agreement. The Bank already previously stated that we had to be responsible for their mistake using the same reasoning, simply misquoting the intent and conditions stated in the O & E. We previously documented how the O & E language is very specific and very clearly does not require a correction of this type of error.
The Bank continues to change their story, after we demonstrated that the Bank 's various claims and reasoning for inaction were false, they are now going back to the same reasoning yet again, trying to delay and stall. The Bank provides false claims hoping to satisfy regulatory requirements, by just filing responses that were inaccurate and had no enforceable standings. After 10 months and 13 rounds of communication we exposed the flaws in their arguments. While the Bank finally provided disclosures, we originally asked for, they have refused to correct the deferred charges that are not part of the signed and notarized modified mortgage. In a response to our latest appeal the XXXX suggested that we again contact the CFPB as it overseas institutions the size of our bank. Based on the information we have provided to the XXXX, a copy which is attached, ( as well as the latest correspondence from the Bank, and our response ) we are hereby filing another complaint and ask that another request be forwarded from the CFPB to the bank to correct the situation.
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| 11/03/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Older American |
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In XX/XX/XXXX, I purchased a condo through XXXX XXXX XXXX. I was a victim of predatory lending because I was given an adjustable rate mortgage, interest only, when I qualified for a fixed rate loan. XXXX XXXX XXXX was then taken over by Fifth Third Bank. XX/XX/XXXX, my mother was diagnosed with XXXX and needed to be taken care of 24-7 causing our family 's budget to suffer. She later passed away in XXXX XXXX. By then my salary had been reduced and was no longer able to make payments and inquired about partial payments, payment plans and refinance ; I was denied on all accounts. I put the condo for sale in XXXX. My financial situation can not sustain a home mortgage of nearly {$2500.00} per month. I want to sell the condo, avoid foreclosure and salvage my credit. I know that a foreclosure on my record will affect me for years to come, I would ask that you please assist me in avoiding this. I have accepted several short sale offers and all were denied by Fifth Third Bank. They wanted me to pay the difference of the short sale at the closing. I do n't understand why they wanted the difference from me when I paid for private mortgage insurance and I have a copy of it that was signed at closing. When I purchased the property, my loan amount was {$240000.00}. I accepted an offer of {$230000.00} in XXXX XXXX. On XXXX XXXX, XXXX, Fifth Third informs my attorney who is conducting the short sale and defending me in the foreclosure, that Fifth Third wants to net {$250000.00}, so that the property has to be put for sale for {$300000.00}. The property is not worth {$300000.00}. It is a XXXX and the XXXX are selling in the {$300000.00}. Furthermore, my property is not on the bay side of the building, although through my balcony, I can see the XXXX XXXX about XXXX blocks east of the condo. On XXXX XXXX, XXXX, my attorney consented to a judgment and I was given 6 months to sell the property. The buyers placed an offer in XXXX and want the property and have even been approved by the HOA. It is unfair that every time I bring a buyer, Fifth Third causes me to lose the buyer. I have a buyer that is purchasing close to the loan amount, which was never reduced because I was only paying interest. The bank received six years ' worth of interest only payments which total more than {$72000.00}. Today, XXXX, XXXX, my realtor received an email from XXXX XXXX, Fifth Third Bank which stated " The MI companies have their net minimum requirements also. Fifth Third must net XXXX % of the BPO ( broker price opinion ) value which is $ XXXX. The market time on this file will remain open until XXXX/XXXX/XXXX. If we do not have an acceptable offer by then I will have to close out the file ''. I do n't understand why they will close the file on XXXX/XXXX/XXXX but told my attorney that I had 6 months to conduct a short sale. Furthermore, they are basing the value on a broker 's price opinion and not from an independent appraisal company. Why ca n't Fifth Third have the mortgage insurance company pay what they promised to pay according to the contract ( Mortgage Insurance Rider )? I need assistance with this issue because I do n't want to lose my buyer and then have a foreclosure on my credit instead of a short sale. Fifth Third has never told me who the mortgage insurance company is. I need all the assistance possible. Thank you.
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| 12/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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In XXXX, I was notified in separate letters about XXXX properties I have, were behind on tax payments, so an escrow would be added to both mortgages. The escrow would collect for Future Taxes, as well as for previous taxes owed. I could not afford the new escrow payment amounts, as well as I was late on my taxes, so I pulled from my retirement and paid the taxes for tax year XXXX & XXXX, on both properties. I did want to maintain the escrow amount for the future taxes amount, so I contacted Fifth Third bank at the number they provided, talked to them about the situation and requested a pathforward on how to adjust the escrow on both properties, so that I was not being charged any erroneous charge for back taxes due. Per XXXX XXXX instructions, I sent the necessary supporting documentation, with the letters to XXXX with thorough instructions of what I was asking for. Prior to the adjustment, it must be noted in XXXX, Fifth Third sent the tax payment for both properties to the XXXX XXXX XXXX, and then received the funds back prior to the end of XXXX, because the funds were already paid. In XX/XX/XXXX they fixed the escrow on XXXX property without issue, but the other property they did not adjust. I reached back out to the bank via the number I previously called several times, and sent the information in XXXX more times, of which the second time they did not adjust anything and then the XXXX they adjusted it completely wrong and in a manner against my wishes. I had told them time and time again, I should not be charged for the shortage on the taxes because there is no shortage, which I provided support for as well as they should have been able to see when they attempted to send the money in XXXX. The last time I sent the information in, which was mid XXXX, they adjusted the escrow, mailed ( which I have not received and it has been 7 days ) the entire amount of the escrow plus future amounts that would be paid to it, so that they would maintain my payment of {$920.00} a month which was the amount that was to high that I was trying to get lowered. The payment should have been less than {$700.00}, including the escrow amount for the future. Each month, I have contacted them about this I have explained to them that I am only requesting the same process be done on this property as they did on the other when I originally sent the request in back in XXXX. I have reached out now to the branch XXXX of the branch I visit, she put me with the escrow department, which I spoke to XXXX employee and a supervisor XXXX ( employee # XXXX ). I explained the situation to them, and they would not take action. XXXX 's suggestion was that I take on a financing option that fifth third could provide. This was extremely unethical. Rather than fix the situation, which they had caused they wanted to push me to a product of theirs that would make them more money so that I could continue to pay them the amount that they were erroneously charging me. I don't believe I should have to pay more to the bank to have them correct this issue. As well, I do not understand how XXXX escrow can be adjusted but the other can not. The adjustment that did happen on the property that I am having issue, is only in the banks favor and does not resolve the issue they created when they did not fix both properties in the summer as requested.
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| 12/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have/had a credit card with Fifth Third Bank that I had enrolled in their hardship program for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That hardship program allowed me to have payments automatically deducted for my checking account for those 12 months at a lower APR and for a preset amount. That program unfortunately ended last year and they never told me when I enrolled in the program that doing so would close my account and therefore close my access to my account online. I never went online during those 12 months because the payments were automatic I wasn't using the card as it was destroyed and I was only paying down my balance. When that 12 months was over or about to be, is went I went online to make payments and that is when I discovered that I no longer had online access to my account because it was " closed '' due to their policy. Now the only option I had was to make payments over the phone. I no longer had access to my card because I destroyed it and they advised me the only way I could make payments through their automated process was with my full account number which only appears on your card and you can't have a new card sent out on a closed account, which again, they closed themselves. Since the account number only appears on the card, not on any documentation or anything that I have, I only had my personal information like my social security number to verify with them so they could pull up the account and then I could make payments with them directly over the phone. Yes, THAT'S the only option I have is to make payments with them over the phone with a human being. It's a nightmare, to put it mildly. They can't even set up automated payments for a year at a time, they can only do automated payments for 4 months at a time. I don't even have access to be able to see my balance or to hear my balance because I don't know my account number and their automated system won't recognize my Social Security number. So only when I'm speaking with someone over the phone .... and therein XXXX XXXX XXXX Every time I call them to try and make payments and set up this XXXX XXXXXXXX at a time automated option I get hung up on at least XXXX to XXXX times before I'm able to actually speak to a human being who understands what it is I am asking for and who can help me pay my freaking account. Today I just was hung up on XXXX times in a row and refused to be helped when I asked to speak with a supervisor. They had the audacity to tell me that a supervisor was on the phone they wouldn't let me wait until me I had to call them back for a seventh time. Are you kidding me?!!? The number I contacted was XXXX. It felt like I was calling outside of the United States, no one 's first language seemed to be XXXX which is neither here nor there but it also led to the problem because nobody seemed to read the notes that I know are on the account or to help me in any way that even remotely looked, felt or was like customer service should be. I am in tears because this process shouldn't be this difficult all I wanted to do was to make payments and to get my balance and I've been on the phone for XXXX minutes and still have done neither. This is completely unacceptable no other company would be able to operate this way and still remain in business. It's unfair and totally impossible to deal with.
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| 06/06/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
Servicemember |
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I have online bill payment with XXXX XXXX for several years. When I setup the accounts I entered all the payee information, company, account numbers etc. From time to time, some of my accounts have changed their mailing addresses for payments and I have edited them as needed. As of a couple of months ago I could see these addresses and edit them to assure proper payment. XXXX has now blocked my ability to see the addresses they are using for my accounts. I believe this is a tactic to make it more difficult to move to other financial institutions. Please see attached notes : Date : XX/XX/XXXX To : Fifth Third Bank From : XXXX XXXX Subject : Re : Re : Bill Payment Regardless of your relationships with MY payees, I still need the mailing addresses of the companies I do business with. I established these accounts and need to obtain the preferred addresses. -- -- -Original Message -- -- - XX/XX/XXXX Dear XXXX XXXX , Thank you for contacting Fifth Third Bank in regards to obtaining a list of your online bill payment Payees. I would be happy to assist you with this matter. We are unable to provide you with a list of your online bill payment Payee addresses and I apologize for any inconvenience which this may cause. We have established a relationship with several payees. The payees have provided us with their preferred payment address. If you would like to verify that the address provide is correct, please provide us with the payee in question. We will provide you with the address on file. If you need further assistance, please email us 24 hours a day or call a Fifth Third Bank Customer Service Professional at XXXX M-F XXXX XXXX - XXXX XXXX and Saturday XXXX XXXX - XXXX XXXX EST. Sincerely, XXXX XXXX. Fifth Third Bank On XX/XX/XXXX XXXX XXXX, XXXX XXXX wrote : > I asked in the original email for a list of all the addresses in my bill pay. I just spent 45 minutes on the phone with customer service only to be told I would have to reenter all the accounts to see the addresses. The information is available to you and I need a list of the accounts and addresses for my files. > > -- -- -Original Message -- -- - > > XX/XX/XXXX > > Dear XXXX XXXX , > > Thank you for contacting Fifth Third Bank. I am happy to assist you. > > We have established a relationship with several payees. The payees have provided us with their preferred payment address. If you would like to verify that the address provide is correct, please provide us with the payee in question. We will provide you with the address on file. If you would like to enter the address yourself, you would need to create a new payee and do not select any of the options that appear. This will allow you to enter your own address for a particular payee. > > If you need further assistance, please email us 24 hours a day or call a Fifth Third Bank Customer Service Professional at XXXX M-F XXXX XXXX - XXXX XXXX and Saturday XXXX XXXX - XXXX XXXX EST. > > Member FDIC, Equal Housing Lender > > Sincerely, > > Customer Service > Fifth Third Bank > > > On XX/XX/XXXX XXXX XXXX XXXX XXXX wrote XXXX > > Name : XXXX XXXX > > > > Phone : XXXX > > > > Email : mailto : > > > > Comment : I want to see the addresses of my bill pay accounts. I used to be able to change/edit them and now you have blocked that feature. Please attach a the list in your return email. > > >
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| 11/20/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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XXXX XXXX a Teller with malice and malicious intent berated and belittled me and accused me of fraud. She refused to allow me access to my checking ACCOUNT. The first teller I spoke to was preparing a cashier check for me with no issue. But this next teller XXXX XXXX had person intent on preventing me from access to my funds for personal reasons. This bank has issues with minorities and was sued in XX/XX/XXXX and lost for illegal activities related to XXXX and XXXX XXXX bank clients. This teller had several other options, she could have done a partial disbursement, but instead she decided to use condescending tone against me.
No one called me or advised from the bank that there was any issue with my account. On XX/XX/XXXX I spoke to the bank manager regarding my account and he had no issue with me or my accounts. Then when I encountered this teller, XXXX XXXX, she looked at me and was determined to harm my by calling the corporate fraud department and filing a report without my consent or permission.
From the time I arrived at XXXX XXXX to XXXX the teller XXXX XXXX left me in an office an took 3 or more personal phone calls on her personal cell phone. She came back into the office and said You are not going to get any money from me tonight. I do not feel comfortable give you any money XXXX requested onerous documentation from me that was not necessary and refused to allow me to speak to a manager.
XXXX was determined to embarrass me and deny me access to my checking account, she was rude and unprofessional towards me. She spoke in a tone that was denigrating and she besmeared my reputation with the bank.
She asserted that I was a liar, and lying about my identity although I have used this branch multiple times without incident.
She determined that I was not going to have access to my funds and she repeatedly refused to explain why she refused to give me my funds in my personal checking account.
XXXX for malicious reasons then proceeded to close or cancel out my accounts that had been open since XX/XX/XXXX without my permission or consent. I have paid off my loans, my accounts have never been overdrawn and I paid off my credit cards. Still this teller felt that I had to prove to HER prove to her where I make my living.
At XXXX XXXX XXXX made contact with the Consume Fraud office minutes before they closed and added fraud hold to my credit card without my consent.
This Representative of Fifth Third acted with malice intent towards me ( a minority ) purposefully placed a fraud hold knowing the Fraud department would be closed and I would have no way to know why my account was frozen. This teller placed this hold without my express written consent. I was basically reported to the bank fraud department as a criminal that had criminal activity. This teller could have chose other options, but she made a personal decision to report me and close all my account access. Now just before a holiday this bank has taken my funds and I will not be able to have a holiday with no funds with my family.
This teller added a fraud hold to my checking account based on her own malicious intent without my consent and for no reason as there was no fraudulent activity This teller as a representative of Fifth Third Bank, used her job to purposefully and with malice restrict me from my own person funds.
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| 10/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I B wrote a check for {$20000.00} out of XXXX XXXX XXXX XXXX ( XXXX, Indiana Branch ) to " XXXX XXXX House '' It was then taken to a Fifth Third Bank Branch ( XXXX XXXX, XXXX Indiana ) ( branches are XXXX miles apart ) Thursday XX/XX/2022 A an Owner of the XXXX XXXX went in and asked the teller If there would be a hold on the check. She proceeded ask the Teller that if there was going to be a long hold on the check we would go and get a certified check. she informed A that there would probably be a XXXX day hold funds available Saturday XXXX XXXX at the Latest Monday XX/XX/2022. So On Saturday She Checked availability and it was still not showing up as available even though it had cleared my account and is no longer available to me.
So along comes Monday XX/XX/2022 She goes to check her account and it is still not available. we decide to wait one more day. so On Tuesday XX/XX/2022 She Looks and funds are still not available So she proceeds to call the bank, after many attempts she if finally told by employee that the funds will not be available until after XX/XX/2022. So A then proceeded to ask to speak with the branch manager, and was told there was no Branch Manager There to speak with and no one else could help her with this issue. So A calls Fifth Third Corporate Offices ( XXXX Ohio ) after XXXX attempts she finally speaks with an employee. He proceeds to give her no help and there is nothing he can help her with on this issue. A then asked to speak with his supervisor and is inform he can take her information and pass it on, also she is informed that it may take up to XXXX hours for a return call, what else could she do but agree to the XXXX hours. That was Tuesday XX/XX/XXXX around XXXX pm, As of XXXX PM Thursday XX/XX/2022 she has still not received a return call. So on Wednesday XX/XX/2022 Around XXXX PM after trying many times to call the Branch and no one answering she goes into the Branch and asked to speak with a manager. She is told there is no Manager on duty and is given a business card. When she goes to ask about funds she is told she will have to speak with the manager. So on Thursday She makes repeated attempts to call the manager to no avail. so I proceed to the Branch since it was my check that was deposited and my money that is no longer available to either one of us. I walk in and proceed to speak with the manager, I have paperwork with me showing where it had cleared my Bank on Saturday XX/XX/2022. I was told there was not a Manager at this location today. As soon as I said the name A an employee replied we can not talk about that {$20000.00} check, A dark haired employee proceed to tell me that it was a large amount. ( believe me when I say a {$20000.00} is not a large check I have had business all my life and it is nothing to deposit a check or {$500000.00} to a XXXX at a time. ) She begins to tell me that A would need to speak with a manager, " I then replied when could she speak with a manager '', she will need to call and set up an appointment with her. " I replied When would she be able to speak with her about an appointment time? '' she replied like I said she would have to speak with the manager and I can not say anything else about this situation to you. '' So I left neither one of us getting anything but a run around again today.
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| 04/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX, my wallet was stolen while I was on vacation in XXXX XXXX. They withdrew all the money out of my account. Once I received notification i called XXXX XXXX XXXX XXXX. I reported it to the representative on the phone. I received an email the next day, XX/XX/XXXX, from XXXX : Dear, RE : XXXX XXXX for account ending in XXXX This correspondence is regarding the claim we received from you on XX/XX/XXXX.
When we received your claim, the following transaction ( s ) had not yet posted to your account. This letter is to inform you that the following transaction ( s ) have posted and we've added them to your claim.
Date Description Amount Dispute Amount XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} {$400.00} What Happens Next Further research is required to resolve your dispute. To assist us in resolving your claim, we request a signed Statement of Fraud form from you. Please complete the form ( s ) and return to us along with copies of any relevant receipts and/or correspondence within 10 business days from XX/XX/XXXX.
If we do not receive a completed form promptly, we will rely on the other information we have available to complete our investigation. Please email to XXXX.
Please keep in mind that our investigation can take up to 90 days to complete.
Thank you for being a Wisely cardholder.
Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX I was not sent the requested document on the corresponding email. The email had been sent to my spam folder ( every notification email ive received has gone to my inbox, with the one exception of this email ) and I was not aware it was there until XX/XX/XXXX, and responded immediately. This was still within the 10 day period stated above.
My claim had already been denied by XX/XX/XXXX and this email was sent to my spam as well : Dear, RE : Case XXXX for account ending in XXXX This correspondence is in response to a dispute that we received from you on XX/XX/XXXX totaling {$700.00} for the following transactions : Date Description Amount Disputed Amount XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} {$400.00} This letter is to notify you regarding the disputed transaction ( s ) listed on the attached page ( s ), which you recently submitted. The investigation has been finalized and we've determined that there was no error. Record analysis indicates that no fraud has occurred as investigation results match information on file. No credit will be issued.
This letter serves as final resolution of your claim.
You have a right to request and receive the supporting documentation we used in making this determination. You may do so by submitting a written request to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for being a XXXX XXXX
Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX Ive called the number given ( XXXX XXXX XXXX ) and no one will help me. I was transferred to a supervisor two times, in which the call was disconnected before I spoke with anyone or I was hung up on. Last call I had was with a representative saying i needed to send in a written request to get my case reopened.
All my money was stolen and XXXX XXXX wont help me. The company is backed by Fifth Third Bank.
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| 09/02/2015 |
Yes |
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Web |
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On XXXX XXXX, I called Fifth and Third Bank to pay my credit card bill of {$1400.00} due that day.. The person on other line told me he 'd have to check with supervisor since its for the total amount due and not the smaller amounts I normally paid. I explained I was paying it all off, etc., and he was still very hesitant and sketchy about it.
I finally got the payment made after taking about an hour, much longer than normal. He gave me confirmation number and we went about our days.
I received statement from Fifth & Third a few days later on like XX/XX/XXXX or so, showing the payment being made, and account balance being {$0.00} due on XX/XX/XXXX
Therefore I assumed there was no issue with payment, and planned to not pay any attention to account anymore since it was paid off ...
This week on XX/XX/XXXX, I received XXXX letters from 5th and 3rd, XXXX I opened first showing that my credit card with them is now cancelled due to delinquent payments, the other letter being a new statement showing a new balance of {$1400.00}!!!
I looked closer at statement and it has Payment Reversal happening on XX/XX/XXXX!
I checked my bank account and sure enough payment is no longer there.
I 've called them and asked why it was reversed, they informed me it 's because the account number was n't taken right that day!!!
I never received any letter, call, or email telling me that the payment was reversed, and was under the impression that the {$1400.00} was out of my bank account and that the bill was paid off due to the statement they mailed me showing it was paid!!! ( I was n't concerned with checking my bank account at the time, as I had {$25000.00} in it to pay off bills and purchase a tractor, was no reason for me to look for that charge, it should 've gone through.. ) When that employee didnt correctly complete my payment, they still sent out a XXXX balance statement, and when the error was caught, never informed me so technically, I did n't pay XX/XX/XXXX or XX/XX/XXXX 's bill because I had no clue I even had a balance with them!!
I received XX/XX/XXXX the statement showing me all this so they left me in the dark, and have now screwed up my credit report!
They 've reported this as XXXX month delinquent account now, even though it was their fault for not informing me of THEIR mistake!!
I understand whats happened and realize I 'll be paying the {$1400.00} now asap ( I bought my tractor just last week so all that money is gone, and I thought this was already paid off so now put me in the hole!! ).
However, I need them to rectify my credit report and take off these false claims of a delinquent account the past XXXX month!!
I 've received XXXX letters from XXXX other credit cards I had this week, XXXX XXXX and XXXX XXXX, both of which are fully paid off, and they just lowered my credit line by a total off {$12000.00}!!! I just lost that much credit cause of 5th and 3rds stupid mistake with my payment and failure to notify me!
They falsely informed me that the account was paid and good, and failed to inform me of their mistake all while XXXX up my credit I 've worked hard to build and need in the future!!
I 've gotten no where on the phone to remedy this and need help to talk to someone who will actually help!!
Please help, every day they ruin my credit even more!
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| 12/15/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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On XXXX XXXX XXXX i went into XXXX on to use my ATM i withdrew XXXX the XXXX was coming out crooked when i reached to grab the side that was coming out the most the door shut causing half of the other XXXX to get stuck so i was left with a half of the XXXX in my hand upset. so i transferred XXXX from my saving to my checking thinking if i did another transaction my other half would come out with the new XXXX well that did n't happen .i asked the cashier what i need to do she advised me that she does not own the atm. so i went to my car to call the bank they understood what happened and credited the XXXX back to my account which i was very thankful for that. so in the meantime i had no use for the broken XXXX so i discarded it. On XXXX the XXXX i notice that it was XXXX dollars missing from my account. i received a letter some days afterwards saying that the ATM was found to be balanced and they are taking XXXX back out my account on XXXX/XXXX/XXXX and the determination is final it also stated that i can call them if i had any questions or if i wish to receive copies of the documents used for the investigation of the dispute. so i gave them a call and they stated that they can not provide me a copy of the information used it was just some papers that they filled out and that their ATM is not owned by Fifth Third it is owned by another company. with that being said i walked them thew what happened that day asked did they review the cameras on the ATM did they look into my account and seen the withdrawal or even the transfer that i made at the same time they told me whatever the person did to determine that the ATM was balanced is what we go by once again i told them that this really did happen to me i asked did they find the other half of the XXXX they stated that they did not know. after going back and forth with this person i decided to call my local branch and i was told that the regional manager has to get back with me after calling and the branch saying that we have been emailing him to call you this went on for a month straight i called everyday finally a regional manager that was in the office and i was transferred to him and he basically said they can not do anything about it they have to go by what the ATM says and if everyone called in and said that that happened to them they would no longer be a bank it will be like giving out free money. he then asked me where is the other half of the XXXX that he can see if a serial number matches up i told him that i no longer have it because when i called in about it that day they credited the money to my account he said well you should of just came in the branch well at that time the branch was closed and i really needed my money to eat. o that was the end of that because he just kept saying that it is nothing that they can do and will not credit the money back to my account. i have been with this bank since XXXX and the way I was treated when i had this issues is very disappointing because this issue really did happen and at the end of the day I got nowhere and I 'm still without XXXX in my account .Trust is a big thing with me and it makes me not want to trust ATMs anymore because I do n't want to go threw this every again and to know that my personal bank does n't care about what happen makes me even sadder
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| 01/20/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Here is the letter I sent to the officers of 5th 3rd Bank this morning. It tells the whole tale.
Good morning XXXX XXXX and other officers : I have a story to tell you regarding your fraud department, customer service and treatment of customers. I looked over your profile on XXXX and I thought perhaps I should contact you directly.
Around XXXX, in between Sunday, XX/XX/XXXX and Monday, XX/XX/XXXX, two thieves who identified themselves as XXXX XXXX and XXXX XXXX were able to port two of our XXXX numbers over to XXXX. They didnt even use our names and they were able to do this deed. Ill take that up with XXXX later. After they were able to steal our phone numbers, they were able to transfer money out of our 5th 3rd Bank Account through XXXX. They drained our account. They transferred {$1500.00} to XXXX XXXX for car parts and {$1500.00} to XXXX XXXX.
This seems to me to be an egregious breech of bank security. My husband and I never use XXXX, car parts are usually not purchased from a Realty company and two transfers to vendors we never used before in the middle of the night for the exact same amount should have been flagged immediately. However, that didnt happen.
On Monday morning, when I discovered the transfers around XXXX XXXX, I immediately called the fraud department. They took my information, and told me that I would have a provisional credit at the latest on Friday, XX/XX/XXXX. I then filed a police report. At this point, the fraud department was very nice and seemed to be helpful. I called every day to see how the investigation was going and was told we were on target for a refund of my money on Friday every single day and by four different people. So, Friday rolled around and there still was no provisional credit on my account. I called your fraud department again to see what was going on. This time, I was rushed through to a supervisor, ( I forgot to get his name ), but XXXX put me through to him. The supervisor informed me that they were trying to get my money back, but that they had 10 days to investigate and if they couldnt get my money back then, I wouldnt get my money back.
This situation is unacceptable. I went in to talk to my branch manager, XXXX XXXX. He also assured me that my money would be returned. So, we sat down and spoke to the fraud department together. They told him that they talk to me every day and that my money will be returned by next Friday. Im not sure I believe that, since the supervisor was quite clear that if 5th 3rd couldnt get the money back, then I would never see my money again.
Whats the point of putting your money in a bank if its not protected. I have spoken to a friend, who is a bank president and he said although he couldnt say what 5th 3rd would do, at his bank, the money would be returned and a lot quicker than ten days.
Anyway, Ive read all kinds of stories on the internet regarding your fraud department. I was misinformed for five days that my money would be returned this past Friday, and I got a totally different story from the supervisor than I did from any of the other employees.
So, this morning I looked up all the officers of 5th 3rd bank and have copied them here on this email. Out of all of you, I hope one of you responds to this unacceptable situation.
Sincerely, XXXX XXXX XXXX
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| 08/25/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
Older American |
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Fifth Third Bank wrongfully charged me {$110.00} in overdraft fees during the week of XXXX XXXX, 2016. Specifically, on XXXX, I deposited via mobile deposit XXXX checks, XXXX for {$790.00} and the other for {$500.00}. Although XXXX checks were made payable to my son XXXX, he had properly endorsed them, and had written under his endorsement " Pay to the Order of XXXX XXXX ''. I then endorsed them. The next day we were traveling to return him to college. Since the checks were properly endorsed, I was surprised the next day to see that they were removed from my checking account. We stopped at a Fifth Third Bank along the way, and physically deposited the checks ( shown as XXXX deposit of {$1300.00} ). I spoke with the teller, who told me that the checks were taken from my account because of Fifth Third 's concern of fraud. I wish to note that I have deposited checks made payable to my company to my personal account without ever an issue. The teller checked, and said that our son XXXX information was stored on the Fifth Third database. Further, I was not given any notification that these checks were removed from my account. I only knew because I had checked my account.
Since the checks were properly endorsed, and Fifth Third had information about XXXX, and I have previously deposited checks made payable to XXXX XXXX XXXX XXXX without incident, I believe that Fifth Third wrongfully removed these deposits from my account. Had the deposits remained, I would not have incurred the overdraft fee of {$37.00} on XXXX. I also incurred overdraft fees of {$74.00} on XXXX because the checks were " uncollected ''. Given that the checks had been properly deposited via the mobile app on XXXX, when they were actually physically deposited on XXXX, I believe I should have been given full access to all the funds immediately.
I have tried to speak to Fifth Third about this, but the managers say they are unable to reverse the fees because I have had so many fees reversed in the last year. Yet, ALL of those fees were reversed because funds had been removed from my account by XXXX XXXX XXXX XXXX XXXX after I had revoked its authorization for electronic payments. Anthem did not oppose my dispute of the funds it had taken from my account.
I also wish to note another {$74.00} in overdraft fees which occurred on XXXX/XXXX/16. Those fees should also be reversed. Please note that on XXXX, I had a balance of {$1100.00} in my account. On XXXX, I made a deposit of {$350.00}. The only checks which cleared on XXXX were for a total of {$1200.00}. Fifth Third adds {$100.00} from the deposit so the amount that Fifth Third considered to be in my account was {$1200.00}. So, I was charged {$74.00} in overdraft fees because I was short {$1.00}. The funds from that deposit were fully collected. I also complained about this overdraft, but was dismissed. I believe it is unconscionable for a customer who has been with a bank as long as I have to be charged {$74.00} because I was short {$1.00} from a deposit which is fully credited the following day.
I am not rich, and these overdraft charges seriously affect me. I am asking that all the complained about overdrafts in the amount of {$180.00} be reversed, and the funds re deposited into my account. I am attaching copies of the account statements.
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| 03/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I elected to have my IRS refund direct deposited into an account I have with XXXX XXXX which is run by XXXX although the bank itself is Fifth Third ( got that?! ). I have had this account since late XXXX XXXX of XXXX. I primarily use it to get my paychecks from work deposited there but have also used it to get my tax refunds in XXXX, XXXX and XXXX as well as the three stimulus checks last year. All of these were from the IRS and all of them were also several thousand dollars. My refund according to the IRS was to be deposited on XX/XX/XXXX. However, on or about XX/XX/XXXX, my wife got a phone call from XXXX saying that the refund amount that we were expecting is somewhat less than what they were showing. My wife and I had no idea why there would be any discrepancy from what we could see on the IRS transcripts and told them that. Then, on XX/XX/XXXX or XXXX, XXXX called me on my way to work and said that I had to tell them the exact amount of the refund and why it was different than what my tax return showed. I told them I was driving and had no way to access any information at this time. I directed them to deposit my money into my account, but they said that if I couldn't tell them the exact amount that they were sending my refund back to the IRS immediately. I told them that this made absolutely no sense since the check amount was LESS than what I was expecting, so there was no risk of loss on their end. After thinking about it at work ( I work the night shift ) I realized that probably the USDA took out the past due balance on our mortgage since we were a little behind although at that time, I had no verification of this. I called my wife and asked her to call the agent back that she had talked to earlier, hoping that she hadn't left for the day. My wife was unable to reach her and left a message which was not returned. I also sent an email explaining that I believed that some of the refund was withheld by USDA, but again, no response from XXXX/Fifth Third. Finally on Monday, XX/XX/XXXX I got a notice in the mail that the USDA did indeed " intercept '' a portion of tax refund, however by this time, XXXX had presumably already sent my money back to the IRS ( I hope! ) since it wasn't deposited into my bank account. It has now been nearly three weeks and we still don't have our tax refund. It is for a large amount of money and for some reason XXXX thinks that makes it OK to not deposit the check into my account. This seems to be a violation of Section 910 ) a ) ( 1 ) of the Consumer Protection Act which can be found here : XXXX XXXX XXXX We have incurred insurmountable damages by having to put off so many things that we had planned to take care of ; home repairs ( fridge, we lost a ton of food already, AC unit , water valve on side of house ) fix both of my vans so that I could get better gas mileage which is extremely important with the price of gas nearly {$4.00} a gallon and my one-way commute to work is over 30 miles, get our belongings out of storage in XXXX ( we live in XXXX now ), pay off debt, kids all need clothes, pay mortgage, etc, etc. We would like to file a lawsuit because this is unfair that a bank would choose not to deposit a check with my name into my bank account from an indisputably verified source, the IRS. Please help!
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| 10/19/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Received a threatening voicemail from XXXX XXXX XXXX XXXX, so I returned the call and they stated that they were going to sue me and garnish my wages if I did not pay {$1200.00} that day over the phone with a credit card. When I asked what the debt was, they claimed it was from a bank account ( 5/3 Bank ) that I had closed nearly 15 years ago and the peculiar thing was they claimed it was for charges that hit the account after I closed it, which is impossible, because the reason I closed the account was because the bank would NOT allow any charges to be paid by them unless the money was IN my account. I didn't sign up with 5/3 Bank, they bought out XXXX XXXX, which is the bank I opened the account with and XXXX XXXX would cover ( extremely rare ) overdrafts for a fee and collect the balance from my direct deposits from work. Furthermore, there is no way that my account COULD have been overdrawn by {$1200.00}, because none of my monthly expenses all together amounted to that much in those days ( still don't,15 years later-including my rent, utilities, car payment and credit cards ). I did not believe I owed the debt, so I asked XXXX XXXX to send me some documentation to confirm before I agreed to make any payments. She claimed to have sent 4 emails to my email address, but I never got any of those either ( she also claimed they sent me numerous letters, which I never received ). I even called her back to let her know I wasn't receiving the email and asked her to please send me a letter via US mail and that I would call her back to set up arrangements once I knew it wasn't a scam. I was following the advice I read on the FTC website.
Instead, I received a litigation letter with an additional {$2000.00} added to what they wanted me to pay ( lawyer fees ), so I called back to say that I still had never received verification that this was a legitimate debt and that I just wanted to verify that it wasn't just another phone scam. I have seen numerous complaints against this law firm, XXXX XXXX specifically, so I am still not sure this is on the level. Despite the fact, I called back to see if I could make arrangements to pay and she kept putting me on hold, PRETENDING to be talking to someone that would give her permission to " wave the attorney fees '' if I could pay the full {$1200.00} today. I explained to her that I could not afford to pay that today, but if she'd let me do it in payments I would. So then she said she could break it up into 3 payments, but I would have to pay the full {$3200.00} if she did that. XXXX XXXX is a rude and viscous woman who did not make any attempt to work with me on coming to a reasonable agreement that I could afford to pay. I do not understand why, if this debt has been waiting 15 years to get paid, why it would have been a big deal to spread out the payments more, so I could afford to pay them. Instead, she just got snotty and told me they were going to garnish my wages and hung up on me. I did the math, they are going to get less money from me and it is going to take longer, garnishing my wages, than it would have if she would have just TRIED to make a reasonable arrangement that I could afford to pay. In my opinion, this is AWFUL business practices that only seems to serve XXXX XXXX 's power trip.
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| 03/05/2018 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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This confusion on 5/3rd Bank part began when I requested from 5/3rd bank to enter into their Forbearance Plan to postpone 3 monthly payments until the end of my Mortgage due to Hurricane Irma and Florida declaring it was in a State of Emergency. The mortgage payments that were going to be postponed were XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I called 5/3rd Bank and declined the Forbearance Plan. During the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made separate Escrow payments by check. When I declined the plan I made a lump sum payment for the 3 above months for the Principal and Interest due. Because I had to stop my auto payment during the 3 months that I was entered into the Forbearance Plan I called 5/3rd bank and made an additional phone payment for XX/XX/XXXX Mortgage payment.
As described in the documents listed below I have tried on many multiplication occasions to explain to 5/3rd Bank that I am current in my Mortgage payments, the bank states that I still owe the Mort. Payment for XX/XX/XXXX. On every occasion that I have called and spoken with a Customer Service Representative or a Mortgage Department representative I have been told by them that they see where I have sent in the funds for the Mortgage payments which total the amounts for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They would state that they would submit a request to have these funds distributed correctly between the Principal and Interest and Escrow Departments and this would take 3 to 4 business days. On 12 different occasions I have called 5/3rd Bank and spoken to a representative or met with a bank manager ( see document below ). Each time I have been told the funds have been received and they would submit a request to have them distributed properly. This has never been done!!!
I am now receiving phone calls from the 5/3rd collections department about being delinquent on my XX/XX/XXXX Mortgage payment which was made on XX/XX/XXXX. I have canceled checks and letter from 5/3rd bank for phone payments which total the amount due for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, & XX/XX/XXXX Mortgage payments. I can prove that all the funds for these 4 months have been sent into 5/3rd bank and they have acknowledged that they have received them. See list of payments made to bank.
Payments Made to Bank for my Mortgage XX/XX/XXXX {$2000.00} ACH Debit/Auto Payment Mortgage Payment for XX/XX/XXXX XX/XX/XXXX {$660.00} Check # XXXX sent to bank Escrow Only for XX/XX/XXXX XX/XX/XXXX {$660.00} Check # XXXX sent to bank Escrow Only for XX/XX/XXXX XX/XX/XXXX {$660.00} Check # XXXX sent to bank Escrow Only for XX/XX/XXXX XX/XX/XXXX {$4000.00} Phoned payment to bank Mort. P & I only for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX {$2000.00} Phoned payment to bank Mortgage payment for XX/XX/XXXX {$10000.00} Total Payments made to bank for the previous 5 months Payment That were Due Bank for my Mortgage XX/XX/XXXX {$2000.00} Mortgage payment for XX/XX/XXXX XX/XX/XXXX {$2000.00} Mortgage payment for XX/XX/XXXX XX/XX/XXXX {$2000.00} Mortgage payment for XX/XX/XXXX XX/XX/XXXX {$2000.00} Mortgage payment for XX/XX/XXXX XX/XX/XXXX {$2000.00} Mortgage payment for XX/XX/XXXX {$10000.00} Total Mortgage payments due for previous 5 months
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| 05/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
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- Problem with customer service
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Web |
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On Friday XX/XX/2023 I called Fifth Third Bank at approximately XXXX and spoke to a representative who verified Fifth third bank did do currency exchange for COP ( Colombian Pesos ) and they did in fact offer this service to non account holders for an additional fee of {$5.00}.
On Tuesday XX/XX/2023 I called the same location at XXXX at XXXX and verified the info I recieved on Friday was correct, and there closing time was XXXX.
On Tuesday XX/XX/2023 at approximately XXXX I visited the bank location at XXXX XXXX XXXX XXXX XXXX In XXXX WV XXXX. My teller was XXXX XXXX. XXXX did not know how to do currency exchange and asked XXXX XXXX XXXX for help XXXX works as a financial center XXXX XXXX but advised me see was the head of that branch. She immediately stated she could not help me due to me not being a customer. I advised her of my calls and then she proceeded to say she was not aware if they even took COP. When I advised her they did she proceeded to show XXXX how to do the currency exchange. During the counting process XXXX stated I only had XXXX COP. I advised her the word milliones meant thousands so it was XXXX COP and asked XXXX to show her. At this time XXXX remained rude and uncordial and another lady went to try to help. XXXX advised me I needed to sit down and calm down. I was shocked because I wad calm and was being treated with disrespect from her. I advised her I am calm I'm only trying to explain that the count was off and why they allready had my passport ss and XXXX of my money and were claiming I gave them less I would remain There and complete my transaction. This happened two times that I could think of the second when they were further having trouble verifying the ammont. XXXX proceeded to apologize stated that she didn't mean to come off a certain way. I explained it was okay but from my perspective if I did not verify twice I would have just left and she stated she couldn't help me. She kept trying to interrupt I further tried to explain that the ammont was so far off and I was trying to explain. I had no expectation they would know how to read the bills but had to look It up and tried to explain the her as a XXXX should not do this. She kept cutting me off so i explained i will take this up with her boss and asked for her card and his. She kept being extremely rude and argueementive while I was waiting for my documents and currency back. And before she went to get her card even was like well brain will be here tommorow I can talk to him then. I then asked again if she was the branch manger she stated she was. And that XXXX will be there tommorow I should come talk to him. I explained I would just be calling XXXX no need to come in she rolled her eyes and said mmkayy. I did end up getting my currency exchanged but this experience was full of false testimonials and false policy 's of the bank. I was greater with hospitality and disrespect and was not treated with dignity. When I got my money from XXXX I told her she was great and apologized and told her my issues was with the way XXXX treated me nothing she did and that she wad doing great. She rolled her eyes and did not respond.
I attempted to call XXXX XXXX at XXXX the number XXXX gave me for him but have not heard back from him at this time.
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| 11/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My Mortgage account was sold to FifthThird Bank in XX/XX/2020. As soon as I received information regarding this transfer, I called FifthThird Bank to set up automated payments against for my monthly morgage payment. I was told their autobill payer needed 4 months to kick in and I was advised by the customer service agent to set up advance payments through XX/XX/2020 until the autobill payer kicked in on XXXX.
Sometime in either XXXX or XXXX I received a letter from FifthThird bank that my escrow was going to be short, in this notice they noted that I could either pay the difference in a lump sum or if I did nothing, it would roll into my monthly payments. I wanted the escrow shortage to roll into my monthly payments so I did nothing.
Every month, my mortgage amount is deducted from my bank account and this had continued ; however, in late XXXX I received a check in the mail from Fifth Third in the amount of my mortgage payment. When I called, they told me I had a late payment on my account, for some reason my monthly payment was not applied in XXXX and was sent back to me. I was told this was an issue on their side but If I paid the remaining monthly balance over the phone my account would be current. Customer service told me that I could deposit the check that was sent to me and my account would be current.
A few weeks later I noticed a late payment notice in my credit history, significantly impacting my credit. I called again and explained that I had been making payments every month, the late payment was not my fault, it was an issue on FifthThird side. Customer service noted that they would file a correction with credit reporting agencies. A few weeks later on XX/XX/XXXX, I received a notice from Fifth Third noting that my account was being reporting accurately, noting that there was still a late payment. I waited a couple of weeks for any change on my credit report and then called Fifth Third about this issue.
After several calls, on XX/XX/XXXX, it was explained to be that since my autobill payer didn't kick in until XXXX, my 4 advanced payments through XXXX could not be adjusted for the change in escrow. As a result, the XXXX payment was not accepted since it was before the Autobill payer kicked in. I was also told that the advanced payments I had set up upon the suggestion of their customer service team back in XXXX did not match the new payments following the escrow shortage they could not partially apply the payment. It is important to note that the difference was only {$18.00}. They also noted that this was in my contract with FifthThird Bank, a contract I did not sign with them since this was a mortgage transfer. As such, I was told there was nothing they could do, the late payment on my credit report would stay.
I explained to the agent that it is unreasonable for consumers to understand the limitations and nuances of their system, especially when notices of short escrow and autobill payer are not shared jointly. As far as I was concerned a payment was taken out of my account monthly and I called immediately when a check was mailed back to me.
Since this issue, I have paid the late fees for 2 months where this unapplied credit of my initial XXXX payment was sitting on my account not being utilized.
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| 06/23/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Today on XXXX/XXXX/2016 I had a pending payment to State of Michigan coming out of my access checking through 5/3 for {$130.00}. I woke up at XXXX to see if the payment was taken out. i noticed the available balance was short. there was not {$130.00} in the account. i seen a monthly service charge for XXXX in the checking account. I am on XXXX. I get {$730.00} a month. I have banked with 5/3 since they were XXXX. i was XXXX years old. i am XXXX. I called immediately to the corporate office number at XXXX. the rep told me that my Access checking was switched to Essential checking for XXXX and there is a low balance fee of {$8.00} every month if i do n't maintain a balance of {$1500.00}. I asked when and why it switched to an Essential from the Access. the rep told me that they got rid of the Access checking in XXXX of last year a letter was mailed to me notifying me. I never got a letter and asked to speak to her supervisor. XXXX got on the phone. I asked for a copy of that notice. she said she could not produce that. she put me on hold for about 15 minutes. she stated that the notice was a pop up inside the online banking portal. she said if i did not click the terms and agreements to keep my old account it would automatically switched to the the Essential checking. I did not click those terms or agreements so on XXXX XXXX it made the change over from Access Checking with no low balance or fees to the new account Essential checking which does have fees. it was not revocable. there was nothing i could do about it. I told her i cant ever make a low balance of {$1500.00}. I was just in the bank on XXXX XXXX. I was told my Access account was grandfathered in and had an early access account tied to it. I asked to speak to XXXX supervisor. he told me that the pop up ad was a one time thing. then it disappears if i click off it. I kept asking when did it apppear? what was the time frame? how long did have to click it. can you give me a date that it was supposed to be popping up? again he said one day. one time. if i did not accept the terms and agreements to KEEP my Access Account it would change. i never seeen that pop up, therefore, it made the changes and switched to this {$1500.00} low balance Essential Account. IM VERY UPSET. i feel this is trickery. if they are going send terms and offers because they are switching my account it should be a legal document in writing to sign not a pop up ad for one time. if i was supposed to have an acceptance or lack of acceptance to their new checking I should have been able to read the offer and then sign or not sign it instead of just forcing this new account on me with out my knowledge and taking my money. I am meticulous with each XXXX. because they charged me {$8.00} i was short on my license payment that was supposed to be taken out today which means i defaulted on my license payments with the state of Michigan all because they say they sent me an offer that i did not refuse in a pop up ad. BAD BANKING BUSINESS by 5/3. not a legal contract for a tort. you have XXXX terms. offer, acceptance, consideration, and agreement. i feel they breached each of these and there was no meeting of the minds so i want my Access account back and they had NO LEGAL right to switch my Access Account.
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| 01/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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XX/XX/XXXX Consumer complaint against Fifth Third Bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau : The reason for filing this complaint against Fifth Third Bankand XXXX XXXX XXXX is that the bank incorrectly debited a total of {$2400.00} from my account. The bank opened an investigation and ( wrongly ) concluded that the transactions were legitimate. These are the facts : On XX/XX/XXXX I contacted Fifth third Bank customer service because I realized that a total of {$2400.00} were wrongly debited from my account. I referred to my statement and found that : XX/XX/XXXX, XXXX {$400.00} dollar cash withdrawals ( totalling {$800.00} ) were posted to my account. In fact, I only withdrew {$400.00} from the ATM.
XX/XX/XXXX, I asked a banker about increasing my daily cash limit. He told me I could simply insert my card twice.
XX/XX/XXXX, I withdrew {$800.00} from the ATM ( by making XXXX {$400.00} withdrawals ). However according to the statement, {$1200.00} were debited from my account XX/XX/XXXX, I withdrew {$800.00} from the ATM ( by making XXXX {$400.00} withdrawals ). However, according to the statement, {$1600.00} was debited from my account XX/XX/XXXX, I did not make any withdrawals however, according to the statement, {$800.00} was debited from my account. ( Please see attachment # XXXX ).
XX/XX/XXXX and XX/XX/XXXX the bankers contacted the dispute group because a total of {$2000.00} was incorrectly debited from my account.
XX/XX/XXXX, the bank closed my account ( # XXXX ) and categorized it as high risk. Additionally I was banned from reopening an account for XXXX years.
XX/XX/XXXX, I spoke with the branch XXXX. He stated that nothing more could be done.
XX/XX/XXXX the bank claimed that the XXXX XX/XX/XXXX transactions were valid and requested that I return a {$400.00} temporary credit they had given me.
XX/XX/XXXX I requested to XXXX XXXX XXXX via certified mail, a copy of the evidence that led the bank to determine that all the transactions were legitimate and that I was not entitled to any restitution.
XX/XX/XXXX I sent a check to XXXX XXXX XXXX XXXX XXXX XXXX, Ohio for {$180.00} ( of {$400.00} ).
XX/XX/XXXX I sent a second check for {$210.00} ( totaling {$390.00} of the {$400.00} ). Additionally I requested a {$0.00} balance letter. They responded by saying that {$1.00} was missing.
XX/XX/XXXX, I deposited the remaining {$1.00} to Fifth Third branch in XXXX, XXXX
XX/XX/XXXX finally I received {$0.00} balance letter ( attachment # XXXX ) from XXXX XXXX XXXX of the collection agency and emailed it the same day to XXXX ( see attachment # XXXX ) At this point, I believed the issue was resolved.
On XX/XX/XXXX I found a letter in my mailbox from Fifth Third bank ( they dated XX/XX/XXXX ), it stated that the collection agency ( that they hired ) had not confirmed my {$400.00} total payment to them. Fifth Third bank refused to acknowledge that I returned their {$400.00} temporary credit last XX/XX/XXXX. Finally, in the event that I have been reported to a XXXX I would ask that my status as delinquent be rescinded promptly.
XXXX XXXX XXXX GA XXXX XXXX
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| 07/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I received a notice from Fifth Third Bank that an additional card was opened on my credit card account. I did not order this card. I did not authorize anyone to order this card. Neither I nor anyone in my family received this card. Various charges started showing up on my statement : {$480.00} total ... there were 9 different charges from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I contacted Fifth Third Bank to report this problem and cancel my card. How charges incurred on my account after I closed the card ; that I do not know? I was given a case number. After not hearing anything, I followed-up in XX/XX/XXXX with the Fraud Department , it was discovered that the agent who originally inputted the data did so incorrectly. Corrections were made to the data, totals and dates and the case was resubmitted with a new case number.
In XX/XX/XXXX I followed-up. Now I have incurred several months of interest and fees based off the original fraudulent charges, my account is unusable and my credit score is being damaged. The bank said I was responsible for the charges because a card was present during the disputed transactions. I brought to their attention that someone had ordered an additional card on my account ( not me nor anyone in my family ) without my permission... I evacuated that month with with XXXX XXXX - XX/XX/XXXX, I was not home for 10 days and it is possible my information was compromised. I have discovered numerous cases of mail fraud in Florida ; some of these mail fraud rings were very sophisticated and took place across several states ; yet Florida had convictions. All of these fraudulent charges that appeared on my account took place in locations were I do not live nor visit ( several being out of town and in other states ). I have continued to dispute these charges and make my complaint to Fifth Third Bank. They keep telling me that a card was used and I am responsible. I did not make these purchases, my account was compromised and there was mail fraud. It is possible someone ordered and took the card out of the mail before it ever got delivered, or someone took it from my mailbox??? I do not know how this happened ; I only know that I did not make these purchases. As I pointed out on day # 1, somehow someone ordered and used a new card that was not authorized.
I have continually reached out to my bank 's fraud department for help and have not received assistance while being insulted by them for not believing me and not helping me. I have been a customer with this bank for over 12 years. It is now XX/XX/XXXX... I have incurred financial loss : the original principal, 11 months of accrued interest and fees plus the inability to use my account since the balance has gone over the limit with these incurred unwanted charges. Losses are now totaling over {$1000.00} plus my credit score has been damaged, my name has been insulted and my family has incurred emotional distress ( unsure how we will pay our bills or buy food ) and financial hardship due to this account being compromised and the issue still has not being resolved. This was the account we bought food and paid for needed things plus bills. This situation has hurt my family and has put us into financial hardship. Please help us. Thank-you.
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| 09/20/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
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|
Web |
Older American |
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In XX/XX/XXXX I sought help to rebuild my credit from Fifth Third Bank at XXXX XXXX XXXX XXXX in XXXX. I explained to their associate, XXXX XXXX, that I had perfect credit for 30 years, but had been forced to short-sell my home during the housing crisis, and beyond the credit damage that caused, the loss of earnings, equity and retirement resources has caused me to struggle ever since.
Ms. XXXX recommended I open a savings account and checking account, and use the combined funds to obtain a " secured '' credit card. The card provided a {$1500.00} credit limit, and the minimum amount that would need to remain on deposit was the same. She said that after a year of good payment history, the bank would then issue me a normal credit card, and allow me access to my deposit.
A year later after making all my payments on time, and with a XXXX balance on the card, I asked Ms. XXXX to allow me access to my savings and issue me a normal credit card as agreed, She said she couldn't comply because of the pandemic. Eight months later, in XXXX of XXXX I asked again for my savings to be released, but she said the bank had raised their standards to obtain a normal credit card, so still couldn't comply with the original promise. At that point I told Ms. XXXX to close all 3 accounts, and I would be in to pick up my money. Fifteen minutes later the branch manager, XXXX XXXX, called me and advised me against closing the accounts. She said it would damage my credit ( the exact opposite of why I went to them in the first place ), so I reluctantly agreed to leave the account open. The following week I easily obtained a normal credit card from another institution, so I called XXXX XXXX again on XX/XX/XXXX and told her to close all 3 accounts. Again, XXXX XXXX called me back and warned me that closing my accounts with XXXX XXXX would damage my credit, but I told her to proceed anyway. At that point she advised me to come to the branch, pay the balance of the card to zero ( the balance was only {$10.00} ), and she would proceed with closing the accounts. I did as she asked within 15 minutes, paying the balance and surrendering the card at their drive through facility, where I asked the teller to please make XXXX aware of the transaction. She assured me she would.
It is now XX/XX/XXXX, 33 days after I closed the account and surrendered the card, but today I received a statement from Fifth Third claiming I owe a {$24.00} annual fee. I called the bank 's toll free number, and they said they have no record that any action was ever taken to close any of my accounts. They said I could still not access my savings account, and although the branch would have destroyed my credit card when I surrendered it, that my full line of credit was still open and available for on-line purchases if someone were to obtain my information. They recommended allowing them to close the account over the phone ( which I did ), but said it will likely take another 30 days to be given access to my savings account. This is unacceptable. I've done everything I was told to do, and they have not done one thing they told me they would, and are refusing access my savings, and have even threatened to damage my credit further. I urgently request your assistance in this matter.
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| 07/28/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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On XX/XX/2016 we received a notice from the county Auditors office that our property taxes were delinquent and would be advertised in the local newspaper on XXXX XXXX, 2016 and would be turned over for sheriff sale if the taxes were not paid by XXXX XXXX, 2016. Our mortgage was facilitated through Fifth Third bank on a USDA mortgage loan. Because our loan to value ratio was greater than XXXX % we are required to escrow our mortgage insurance and property taxes. The parcels of land as well as the dwelling are all clearly stated on the Deed that was provided to us by Fifth Third Bank, as well as each parcel of land and their tax rates on the Escrow Account disclosure statement they provided us. The statement from the Auditors office claims that XXXX parcels of land had no taxes paid on them since the start of the mortgage, Fifth Third has only been paying property taxes on the parcel of land which the dwelling resides as well as the dwelling. The disclosure statement shows the taxes in question to be paid into escrow are {$11.00}, {$34.00}, and {$33.00}, the tax being paid out of escrow not in question is for {$860.00} which includes the family dwelling as well as the parcel of land it sits on. We have total XXXX tax statements which were all initially submitted by the seller to Fifth Third bank, and added to the disclosure statement, as well as clearly stated on the deed and the HUD documentation. These parcels were included in the required appraisal, and approved by the USDA. There was no separation of these parcels from the mortgage, they were all included, and therefore required to be included in escrow. We have contacted Fifth Third bank asking for quick resolution, initially they told us it would be 7 days, past the XXXX XXXX deadline, which is not acceptable. When I called again asking for a supervisor, I was directed to " XXXX '' and was told that they would call me back by Friday, they would likely pay the taxes, but that it would make my escrow short and payment to go up. When I asked about the exorbitant delinquent fee 's assessed by the auditors office they stated " You need to call the auditor and see if they can do anything about the late fees ''. This was never our fault, we were unaware that Fifth Third would not comply with federally mandated laws to collect and escrow ALL of our property taxes. We were never aware they were not being paid until XXXX XXXX, 2016 when we received the notice from the county. I believe that Fifth Third has made an error by omitting our property taxes for payment that they clearly estimated for escrow on the disclosure statement, and they are unfairly trying to place blame on us. I believe Fifth Third bank is solely responsible for bringing all of our property taxes up to date, without penalty of escrow shortage, as well as ALL penalties and fees assessed by the auditors office. They are dragging their feet with a decision, and if not paid by XXXX XXXX, 2016 we will be unjustly published in our local paper for delinquency and incur unnecessary embarrassment. We have faxed communication to them with our complaint and request, and called on multiple occasions without successful resolution. We are requesting inquiry into this situation. Thank you in advance.
|
| 04/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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|
Web |
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I was awarded a XXXX XXXX XXXX XXXX. When my funds arrived into my Business Banking Account, I attempted to withdraw $ XXXX to place in my home private safe. I did this because I am aware of the dangers of an EMP ( Electromagnetic Pulse ) attack during War time. I already knew that war was imminent. XXXX Bank policy on withdraws are XXXX. I did not learn this until XXXX " XXXX Bank Investigator '' contacted be communicated this. She also said that the teller should have told me this. She did not.
Once funds were sent into my Business Banking Account, and I attempted to with draw said amount, my account was flagged or in this case " XXXX '' and investigated. I had been in a business banking relationship with XXXX Bank for 6 years... never any problems and certainly no fraud of any kind. I grew frustrated when I was told by the Branch XXXX " XXXX '' that the investigator " XXXX '' would contact me the next day... but I did not hear from her until 15 days later ; and that, only because I contacted your offices here with the Consumer Finance Protection Bureau.
After getting clarity from the Investigator " XXXX '' as to why my account was frozen. She also mentioned or repeated to me what I had requested be done, when I spoke to your offices. That was to unfreeze my account, allow me to speak to a professional concerning the unprofessional behavior, and finally close my account, so that I could take my business elsewhere.
When the XXXX " XXXX '' call me, she told me that the funds had been coded to be sent back to the XXXX and that they were going to end the business relationship. When I asked for an explanation as to why she could not give me an answer, but I stated why do we need to do that... you have explained why my account was being investigated, there is no fraud, and you have admitted that your teller did not communicate your bank policy effectively. She then said, ok I will code it to reverse the current request. I said, ok. That was on Friday afternoon, XX/XX/XXXX, at approximately XXXX. On Monday XXXX XXXX I received an email from XXXX Bank saying that funds had been sent back to XXXX. I call numerous times to " XXXX 's '' office to no avail : I wanted simply to ask her did she follow through with what she had said, in terms of reversing the coding to send funds back to XXXX, and this was simply the system following the first order... but again to no avail. No follow up whatever. Totally unprofessional. I later received a letter from your office stating that XXXX Bank would be sending funds back to XXXX and showing the amount of the funds in the account at the time of them closing my account. I feel that I was racially profiled and discriminated against, being a African-American man. I simply wanted to get my funds that I was awarded from XXXX and handle my business with XXXX XXXX XXXX XXXX XXXX
Please assist in any professional way you can. This has caused my company to lose business and to be in even greater need of the funds initially requested. As of XX/XX/22 I have not received my funds, and I am being told by some of the XXXX Agents that I have spoke to, that the funds have NOT been sent back to XXXX. This is especially troubling.
XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX
XXXX
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| 07/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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We obtained an auto loan from Fifth Third bank for a XXXX XXXX XXXX. On XX/XX/XXXX, the loan was released on XX/XX/XXXX. A copy of the title or release of lien was not received by owner ( us ). The California Department of Motor Vehicles has no record of receipt of a release of lien and currently has a lien hold placed on the vehicle.
In XXXX of XXXX, we moved from XXXX to XXXX. After changing vehicle registration address with the CA DMV, we attempted to transfer registration from XXXX to XXXX, however, the CA DMV refuses to release the vehicle registration due to the lien hold.
XX/XX/XXXX : XXXXwo separate individuals in the auto loan customer service department were spoken to at Fifth Third. A female employee stated a release of lien would be emailed to XXXX XXXX. We provided our new XXXX address and were told a copy of the lien would be mailed to our home by a male employee.
XX/XX/XXXX : After failing to receive either an email or a paper copy of the release of lien, we contacted Fifth Third once more. We were told by a female employee in the auto loan department that Fifth Third can not email copies of release of liens and she was unsure why we were promised this or asked for our email address. She assured me a new request for the release of lien would be sent via mail and given the nature of the issue, it would be escalated and received within 5-7 business days. She assured us that the CA XXXX has received updated information and shows the vehicle has been released from the lien.
XX/XX/XXXX : We phoned the CA DMV, who stated there has been no release of lien received for the vehicle.
XX/XX/XXXX : Again, receiving no paper copy of the release of lien and confirming no update had been made with the CA DMV, we phoned the auto loan customer service department and spoke with a male employee who requested that our county clerk fax a request for the copy of release of lien on letterhead to ( XXXX ) XXXX.
XX/XX/XXXX : Copy of release of lien is faxed to Fifth Third by XXXX County Clerk 's Office ( witnessed by XXXX XXXX ).
XX/XX/XXXX : We phoned Fifth Third to confirm receipt of the fax and were told by a male employee in the auto loan customer service department that no such request was received. The employee stated we must have provided the wrong fax number to the County Clerk. I requested to speak with a manager. At that time, the employee became upset and stated we would need to hold. After holding for approximately 15 minutes, the phone was picked up once more and hung up.
We have attempted to phone back to auto loan customer service department on XX/XX/XXXX on four separate occasions ( times and call log available upon request ). Each time, the department picks up the phone and the line is disconnected.
We have attempted to resolve this matter with Fifth Third via the CA DMV directly by hiring eTags ( as we no longer reside in the state ). eTags has similarly stated they are unable to aid in the transfer of registration because the CA DMV still shows a lien on the vehicle.
Short of legal action, we have reached the end of our options to obtain a release of lien and request that the CFPB intervene and aid us in obtaining a copy so we can be compliant with XXXX state law.
|
| 02/01/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
On the XXXX of XXXX, XXXX I contacted Brokerage staff at Fifth Third Bank ( XXXX XXXX and XXXX XXXX ) indicating that I needed to use an investment account to fund a wire transfer to my XXXX bank.
I have resided in XXXX for many years, without condition as to time, with permission from the XXXX for XXXX. I am currently in a long term stable relationship with XXXX XXXX, who is an XXXX citizen.
That relationship is important as we have both recently become pensioners and we are contemplating a joint investment in property.
Notwithstanding the fact that I issued instructions to them over the phone regarding my investments, they told me that I needed to appear in person to order the wire transfer.
I made arrangements to travel to XXXX in XX/XX/XXXX give the instructions to them in person.
In late XXXX the global pandemic began. When travel was prevented by health restrictions I contacted my XXXX XXXX branch to discuss a means of transaction that reflected the extraordinary circumstances that had arisen.
The staff was not quick to respond. During XXXX they passed my request to a different office and my emails were ignored. In my emails I suggested various ways to satisfy their concerns regarding issues of Identification and Verification.
Some confusion arose as for some reason emails they sent to me went straight to my XXXX XXXX. It is important to note that Fifth Third Bank prohibits overseas phone calls by staff, even with respect to Brokers.
The staff I contacted around this time included XXXX XXXX, XXXX XXXX and XXXX XXXX. I also spoke with XXXX XXXX regarding my decision to close all my accounts as I had lost faith in the bank I conducted online transactions and then identified these to the bank in the hope that this would help to establish my identity for the purpose of setting aside the in person rule.
On the XXXX of XXXX, out of desperation, I swore an affidavit in XXXX and sent it by Registered Post to the President of the Bank, I included instructions regarding the closing of all my accounts and a demand to have a Bank Draft sent to a personal representative living in XXXX XXXX Michigan. My letter was ignored.
Around the middle of XXXX I was able to make contact with a Regional Supervisor who has an office in XXXX XXXX. As a result I then made contact with XXXX XXXX. At this point she stated that the bank agreed to set up a procedure whereby I could order the closing of my accounts, with the final amount wired to XXXX XXXX XXXX in XXXX XXXX XXXX.
Emails were quickly exchanged which clarified the many steps that the Bank was insisting upon.
Remarkably, when the procedure was scheduled to start, the bank was incapable of meeting the steps of procedure they had insisted upon as a substitute for their in person rule.
Even more remarkably, they then wired the money to XXXX having forgone all the Identification and Verification, which they has set as conditions.
I assert that this process in XXXX was something that I asked for in XXXX. The bank obstructed that transaction without a legitimate reason. Given that what occurred in XXXX was identical to what they obstructed three months earlier, they are guilty of bad faith and failure to protect my consumer rights.
|
| 06/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Information is missing that should be on the report
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|
Web |
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To clarify with what is going on, fifth third bank and I have never had any past issues I think they are a great company to get a loan through every time I call, everyone is super nice and professional. Back in XXXX of XXXX I called to make my monthly payment on my boat loan like I do every month. I requested after I made my payment to have automatic payments set up like I used to have with them until XX/XX/2023 came they for some reason told me I had to re set up my automatic payments which requires a 3rd party to have to get involved to help with that, the day they told me this I didn't have a spare 15-20 mins to re set up the payments. It started to become an inconvenience calling each month as I am a XXXX in 2 different states with 2 different businesses with over 40 employees to keep calling fifth third banking to make my monthly boat payment, I have everything automatically pulled from my account for this reason with such a busy schedule every day. Fifth third bank gave me the third parties number when I made my payment in XXXX to set up my automatic payments. I spoke with the third party that day after I made my payment everything I thought went perfectly fine being set back up on automatic payments with fifth third banking. Little that I knew I was very wrong, there must have been some miscommunication with the third party and me. After getting back into town from being out of state for my little brother 's XXXX XXXX XXXX and multiple weeks of recovery in the hospital spent with him, I come home to my main residence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA I checked the mail and had multiple late letters sent for my boat loan Friday evening XX/XX/2023 approx XXXX XXXX. Very confused seeing the letters I have received from fifth third banking thinking I was put back on to automatic payments. I told myself let 's call fifth third banking first thing Saturday morning XX/XX/2023 and see what happened. I fell asleep and woke up with a XXXX XXXX update saying I have missed a payment to fifth third banking and my credit score was hit XXXX points. I instantly tried to call every number that is linked to fifth third bank it was of course the weekend and no one answered any calls. Which brings me to today XX/XX/XXXX Monday XXXX I called the second they opened and of course paid the payment of XXXX and even this month XXXX. They told me there was nothing they can do on their side to help me with " the missed payment '' issue which is now why I am here writing this. I am a very stand up, honest guy all I want is to pay my payments on time and go on with my life. Its already a hard time to be alive on everyone in this world I work so hard to be a good American citizen, pay my taxes and be a nice person to everybody each and every day. I'm hoping whoever gets to make this decision can see my side and see there was honest miscommunication on the third parties ' side or my side. I pray you guys make the right decision I haven't been able to sleep, eat, or even want to talk to anyone since seeing my credit score drop like XXXX points that Saturday morning it's been eating me alive, please please help me fix this. Thank you for taking your time to hear me out hope you have a blessed day!
|
| 03/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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|
Web |
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My car loan payment of {$290.00} is due to Fifth Third Bank by the XXXX of each month and is n't considered late until the XXXX.
I mailed in a check for {$300.00} to Fifth Third Bank from XXXX addressed to their XXXX XXXX XXXX XXXX with more than enough time for it to arrive before the XXXX of XXXX.
I got a call on the XXXX from a XXXX XXXX customer service rep saying my payment was n't received and that I was charged a late fee on top of the loan amount. I figured the check was lost in the mail. The rep suggested I used their online payment site to handle the payment. The total amount I paid was {$320.00} after all fees. This payment posted to my checking account XXXX XXXX. The rep told me she put a note on the account to not process the paper check if/when it is received since I 'd be paying online that same day.
I received a call from my personal bank this morning indicating that the {$300.00} check was processed XXXX/XXXX/16 and went through XXXX/XXXX/16 because I did n't have the funds XXXX/XXXX/16 but got paid overnight XXXX/XXXX/16 from my direct deposit from work ( Commonwealth of PA ). They said the payment went through once my paycheck entered my account but that I 'd be charged a fee of around {$30.00} for it bouncing on XXXX/XXXX/16.
I called XXXX XXXX and asked a different customer service rep to cancel the new payment ( which my personal bank indicated was the {$300.00} check, not the online payment of {$320.00} XXXX. The rep said that the online payment was the last they 'd gotten but that they did receive my check for {$300.00} on the XXXX. I asked why ... WHY they did n't process the check if they already received it. If they processed it on the XXXX, I would n't have a late fee from them, a bounce fee from my personal bank, and all of the stress that 's coming with the ordeal. I was transferred to " Research and Dispute Department ( XXXX was the rep ). '' She said that, because my payment was made online and not on the phone ( mind you, the original rep okayed paying online ), they would n't be able to refund the payment with the late fee of {$320.00} and that my personal bank would have to cancel the payment. For my personal bank to cancel the payment, it would cost me another fee. I stated that this is ludicrous and she swore she 'd call me back. I 'm still waiting.
All this said, and thank you for reading it all, I have to report this situation. They deliberately held on to my check, which was on time by their own definition, and waited to process it until after it was late. If this is n't criminal, or at least unethical, then I 'm crazy. As a consumer, I find it very difficult to make money to consume at my job as I am spending all of my time going back and forth between my car loan bank and my personal bank.
It may be pointed out that I should have cancelled the {$300.00} check once I paid the {$320.00} online. I asked my bank to cancel check number XXXX. The check I wrote was XXXX ... honest mistake. Mistake or not, I should n't have HAD to cancel anything, or pay online, or be charged fees, because they had my check on time and failed to process it.
Thank you for your time. Feel free to edit this to remove details if you wish to publish this.
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
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I received an offer in the mail to open a new checking account and earn a {$450.00} bonus if {$3000.00} in direct deposit was received within 90 days. I came into the bank and met with a representative. I asked the Fifth Third personal banker, XXXX XXXX, to see if deposits from my XXXX account would qualify because I did not have any direct deposits to assign that would qualify. She said she would check on this.
XXXX informed me that this type of deposit would qualify, so I opened a checking account. I made a couple of errors in attempting to fund this account and XXXX corrected them for me. She informed me that I was still eligible for the {$450.00} bonus and should see it before my XXXX, or on my XXXX statement. I continued to fund this account with similar deposits and complete my qualifying.
On Wednesday, XXXX XXXX, XXXX called me at XXXX XXXX as a follow-up to my becoming a banking customer, and again mentioned that I should be have received or soon be receiving my bonus. I mentioned that I had just received a statement recently, but had not looked at it. I ended the call and checked my statement. no bonus had been received.
I called back at XXXXXXXX XXXX and my call was answered by XXXX XXXX, Assistant Branch manager. I asked about my bonus and she said that my deposits did not qualify. I told her that I had relied upon XXXX 's information and that i felt the bank should honor the deposits as qualifying. We spoke for 17 minutes. She refused. I set an appointment to see her on Friday.
I contacted corporate headquarters and was told by Supervisor, XXXX ( ID # XXXX ) that the manager had the authority to make a waiver and allow the bonus to be paid. XXXX refused to answer my question, " What responsibility does the bank have to honor promises made to me by my personal banker? '' I also asked if I could be provided with the records which showed instances when my account was accessed by bank personnel. She said, " We do not provide these records to customers. '' I informed her that these records should be retained for a possible legal action.
When I met with XXXX XXXX on Friday, she presented printouts that documented several different calls made to me by XXXX. She admitted that XXXX had initiated transactions to correct my depositing errors. She adamantly refused to honor XXXX XXXX 's statement to me that my deposits would qualify me for the bonus and refused to allow a waiver. She was unmoved by my argument that there was no reason to continue funding the account if there was no expectation of receiving the bonus.
The printouts XXXX XXXX provided did not fully report all the contacts made by XXXX. XXXX XXXX also prevented me from speaking with XXXX about my initial contacts and her statement made prior to my opening the account.
I believe that the mail offer became a " bait and switch ''. I made it clear that i came to the bank to avail myself of an offer they sent to me and that I had no intent to use this checking account, I declined the offer to print checks and also declined to receive a debit card for the account. I indicated that I intended to keep using my existing checking account with another bank in my very first meeting. I'm here for the offer.
|
| 01/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
Allow me to preface this complaint by saying that I am computer literate and had no problems with the former user interface provided by 5/3 for internet banking. I would also like to say that I called 5/3 a number of times and complained about this issue. I was told to use a register.
Complaint : In regard to checking accounts, 5/3 provides a balance. Simple enough. Too simple. The balance means nothing and is, in fact, a deceptive figure that seems to serve only XXXX purpose. To generate overdraft charges.
I hope you can follow this explanation. 1 ) Assume you have {$500.00} in your checking account. 2 ) You issue XXXX payments totaling {$400.00}. 3 ) Your balance still says {$500.00}. Very dangerous place to be for the customer. This does not happen when a customer uses a check register, which has been the norm for a hundred years. You deduct all payments issued and trust the balance as accurate of remaining funds. You do not keep writing down {$500.00} for the balance.
To further complicate this deceptive practice ... 1 ) The summary page lists all amounts to be paid. 2 ) The list disappears or is reduced in number as each payment is issued by 5/3. So now there is nothing that indicates your account balance is anything different than what shows on the page. 3 ) The problem is that the balance in only an illusion because although you see nothing further is to be paid and the balance should be accurate, in fact, the balance does not reflect the payees failure to cash the payment in a reasonable time frame. 4 ) In other words, you start with {$500.00} and write out {$400.00} against your account on the XXXX of the month. 5/3 issues payment on the XXXX. The payee cashes payment on the XXXX. The result is a misleading balance of {$500.00} one month after issuing payments. You have completely lost track and write an extra payment to a credit card because you notice that it is the end of the month and there is still funds in your account. 4 ) For being dutiful and attentive to you debts, you get charged overdraft and fund transfer fees. The bank may tell you that you are lucky and have overdraft protection, but you still get charged.
In conclusion : Computers are mathematical devices that provide visual results of their calculations and to imagine that both a balance and " available '' balance can not be presented to the customer in order to eliminate this issue is preposterous. There can only be one plausible reason for this practice. Profit for the 5/3 at the customer 's expense. 5/3 does use " available balance '' when it comes to depositing checks into your account, so why not the other way around???
I would like to say that my bank is above deceptive practices, but this is far from the truth. If you accept the ATM offer to provide you with a balance on your receipt. It will cost you {$2.00} but nothing on the screen ever mentions you will be charged for the service. Only after you look at your statement and are baffled by XXXX or XXXX {$2.00} charges for the month due you get the truth about 5/3. There are more blatant issues, but I am focused on the one that crucifies the average customer. The checking account balance needs to show BALANCE AFTER AUTHORIZED PAYMENTS.
|
| 03/01/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
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On Thursday, XX/XX/XXXX I entered 5th/3rd Bank, at XXXX XXXX XXXX, XXXX Florida, with the purpose of depositing {$1000.00} in cash ( ten {$100.00} bills ). I walked up to the teller ( I believe her name is XXXX ). I handed the teller the {$1000.00} along with a slip that I believed was a deposit slip, and I told her that I wanted to deposit the cash amount of {$1000.00}. The teller informed me that the slip I handed her was a withdrawal slip and she would fill out the appropriate slip for me, which she did and I signed the slip. The teller did not give me a deposit receipt. We chatted a bit ; I told her that my wife and I were leaving for XXXX the next day and I wanted to deposit the money because I did not want to carry that much cash while travelling, after which I left the bank.
The day after we got to XXXX, I went to the 5th/3rd bank at XXXX XXXX XXXX, XXXX XXXX, IL, near my home in XXXX. When I arrived at the bank I proceeded to the teller window and asked to withdraw the {$1000.00}. At that point I was told that there was no record of a deposit for {$1000.00} made at the XXXX branch on XX/XX/XXXX. I immediately called the XXXX branch, when I got home, and was told several conflicting stories about what happened to the cash, from the teller and other employees.
This ensued for over a period of nine weeks and several frustrating phone calls. The employees have basically told me that I am crazy, I was never in the bank, and that I never made the deposit. I asked to view the security camera footage which will prove that I was in the bank and my request has been constantly denied. The bank manager, XXXX, told me that the security footage will not be clear and will not prove that I was in the bank.
I find this hard to believe that the footage will not be clear as banks have cameras to record all activity.
My wife and I returned to XXXX, FL on XX/XX/XXXX and after visiting the bank again, the result is that I am still out the {$1000.00} that I deposited on XX/XX/XXXX.
Again, I asked to view the security camera footage which will prove that I was in the bank and my request was denied again. We were left with no choice, so we filed a police report, we also filed for a subpoena for the security tapes and, to date, we have not had any resolution to this matter.
I went to another branch, located on XXXX XXXX, in XXXX, FL to see if I could speak to someone else regarding this issue ; as I did not receive any resolution at the XXXX XXXX XXXX. branch. At the XXXX XXXX branch, I met with Mr. XXXX XXXX and he expressed concern and wanted to assist us in resolving this issue. Mr. XXXX told me to contact the District Manager, XXXX XXXX. I contact Ms. XXXX and Ms. XXXX contact me back, vial letter, and stated that she reviewed the security tapes and that I was not in the bank. Help me understand, how does Ms. XXXX know what I look like? Ms. XXXX and I have never met.
This situation has caused a lot of anguish for my wife and me. We are retirees and that money is our social security payment. We have been banking with 5th/3rd Bank since it opened and this is the first time anything like this has happened. It is my sincere hope that the {$1000.00} will be returned to me.
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| 05/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hello, I was never properly notified about any missing payments for my auto loan with Fifth Third Bank. I set up automatic payments in XX/XX/XXXX in which I was just told XX/XX/XXXX that it was only set up for two months and stopped XX/XX/XXXX. I was told the bank sent me automatic operative phone calls to notify me but those numbers come up as SPAM on my XXXX so I do not answer them. I was never given a voicemail, letter, inbox/documents tab on their online banking, etc. about missing payments. I did not know about this matter until I walked out of my home Friday afternoon XX/XX/XXXX to find my car was missing. I immediately called 911 thinking it was grand theft auto but come to find it was repossessed due to the missing payments. I am a very responsible person and make sure to pay my bills on time so I was in utter shock to find this information to be true. I spoke with the company numerous times in which they would not allow me to speak with a representative due to them being busy. I was told there are only 2 supervisors working compared to the 300. I would love to resolve this issue and miscommunication because it was drastically affected my credit history/score. Thank you for your time and looking forward to hearing from you. For reference my payments are around $ XXXX/month and I had to pay a total of {$1400.00} to receive the car back. I have paid the past due bill in full as soon as I heard of the event and scheduled payments through XXXX in which that is how far the representative would allow me to go.
I am in the process of trying to retrieve DOCUMENTS SHOWING THE PHONE CALLS THEY CLAIM TO MAKE THREE TIMES A DAY TO CONTACT ME! NO RESPONSE FROM THE BANK.
The bank is claiming that they notified me which I did not receive one notification ( phone call, letter, online, etc. ) They have sent me MULTIPLE letters a day AFTER I repeat AFTER XX/XX/XXXX when I discovered this issue!! I find this very interesting because I did not receive NOT ONE letter in the mail notifying me of any missing payments but now ever since XX/XX/XXXX ordeal I receive MULTIPLE letters a day from the bank. They are claiming that I did not login since XXXX into my online banking in which is true because I was under the under the assumption I set up automatic payment and since I was never notified I didnt think I was missing any payments. The bank proceeded to deny this and claim that what I am claiming is false which is NOT true! I have attached all records indicating this!
Fifth Third Bank please provide all records showcasing the phone calls they claim to make or letters they claim to send or any notification they claim to make please send them my way for my legal records.
I REPEAT ...
Fifth Third Bank please provide all records showcasing the phone calls they claim to make or letters they claim to send or any notification they claim to make please send them my way for my legal records.
The records they mailed me and included on this claim does NOT show me and prove that they attempted to reach out to me the record just showcased the other long contract and the loan history. I am very concerned confused and disheartened by this.
Thank you again for your time.
Best, XXXX
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| 12/17/2020 |
Yes |
- Credit card or prepaid card
- Payroll card
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Web |
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I WENT TO A XXXX IN XXXX CA ON XXXX XXXX TO GET {$400.00} DOLLARS OFF MY CARD AND THE TRANSACTION FAILED NO MONEY WAS DISPENSE OUT THE ATM. AFTER THAT I WENT ACROSS THE STREET TO XXXX XXXX TO GET THE MONEY OFF MY CARD, IT SAID UNABLE TO COMPLETE TRANSACTION. CALLED MY CARD BECAUSE I KNEW I HAD A DIRECT DEPOSIT THAT DAY OF {$400.00} PLUS DOLLARS AND IT SAID MY CARD BAL WAS {$31.00} I IMMEDIATELY WANTED TO TALK TO SOMEONE AT XXXX THE REP TOLD ME I HAD A WITHDRAWL OF {$400.00} FROM A XXXX I TOLD HER WHAT HAPPEN SHE TOLD ME I HAD TO FILE A DISPUTE AND TRANSFERED ME TO THE DISPUTE DEPT WHILE WAITING ON HOLD THE REC SAID TRY TO RESOVE WITH THE VENDOR FIRST MY HUSBAND WENT IN AND GOT THE NUMBER OFF THE ATM FOR XXXX AS WELL OF TALKING TO THE MANAGER OF XXXX WHO SAID THEY HAD BEEN HAVING PROBLEMS THE ATM FOR THE LAST 6 MONTHS I CALLED THE XXXX PEOPLE THEY TOLD ME THEY SEEN WERE THE TRANSACTION FAULTED BUT I WOULD HAVE TO CALL XXXX TO GET MY MONEY BECAUSE THEY APPROVED THE TRANSACTION BUT THEY COULD CALL THEM AND THEY WOULD LET THEM KNOW THE TRANSACTION FAULTED. CALL XXXX BACK THEY TOLD ME I HAD TO FILE A DISPUTE REGARDLESS AND WAIT BUT I SHOULD HERE SOMETHING FROM THEM BY THE END OF THE WEEK KEPT CALLING SENT IN MY RECEIPT THAT THE TRANSACTION DENIED AND THE SUPERVISOR CALLED ME AND TOLD ME HE RECEIVED THE RECEIPT AND TO WAIT. I ENDED UP TALKING TO THE SUPERVISOR XXXX EMPLOYEE NUMBER XXXX WHO TOLD ME BY THE XXXX OF XXXX MY DISPUTE WOULD BE OVER AND I WOULD HAVE MY MONEY IN MY ACCOUNT ON THE XXXX NO MONEY CALLED IN AND TALKED TO ANOTHER SUPERVISOR WHO TOLD MY THAT SUPERVIOR MADE A MISTAKE AND IT WAS THE XXXX OF XXXX WHEN MY DISPUTE WOULD BE OVER ON THE XXXX NO MONEY CALLED IN AND TALK TO SUPERVISOR XXXX XXXX AND TOLD ME HE WAS SENDING FOR A UPDATE AND THEY HAD MAILED ME SOMETHING ON THE XXXX OF XXXX REGARDING MY DISPUTE AND WHEN I WOULD GET MY MONEY. I TOLD HIM I NEVER REC ANYTHING IN THE MAIL AND VERIED TO MAKE SURE THEY HAD MY RIGHT ADDRESS WHICH WAS CORRECT. HE PROMISED ME HE WOULD CALL ME BACK AND 24HRS HE WAS SENDING FOR A UPDATE OF MY DISPUTE NEVER CALLED. THIS HAS COMPLETELY STRESSED ME OUT I HAVE CALLED AND TALK TO SO MANY PEOPLE IN THE DISPUTE DEPT TELLING ME LIE AFTER LIE. I CALLED THIS MORNING XX/XX/XXXX TALK TO ANOTHER SUPERVISOR AND HE TOLD ME HE'S GOING TO SEND FOR A UPDATE I TOLD HIM IF THE OTHER SUPERVIOR SENT FOR A UPDATE THEN IT SOULD ALREADY BE IN THE COMPUTER HE SAID HE DIDN'T SEE A UPDATE NOW HE TELLING ME IT COULD TAKE UP TO 90DAYS WHY WASN'T I TOLD THAT IN THE BEGINNING IT'S LIKE THEY KEEP TELLING LIES TO STRING YOU ALONG. WE ARE ALREADY IN A PANDEMIC AND I HAVE SEVERAL HEALTH ISSUES WHICH I HAVE TOLD THEM THEY DONT CARE I WAS ON MY WAY TO GET MEDS WHEN I DIDN'T GET MY MONEY ON XX/XX/XXXX. I CHECKED ONLINE THIS MORNING BECAUSE I WANTED TO SEE IS IT ANYONE ELSE HAVING THESE PROBLEMS AND XXXX HAVE COMPLAINT AFTER COMPLAINT. NOT GOOD I JUST NEED MY MONEY THEY HAVE PUT ME BEHING ON A LOT OF THINGS I ENDED UP BORROWING MONEY TO BE ABLE TO GET MY XXXX XXXX AND PAY ON MY RENT. I NEVER SEEN NOTHING LIKE THIS IN MY LIFE AND I ALSO CALLED XXXX IN TEXAS AND THEY SAID IF WISELY HAD FILED A REG E DISPUTE IT SHOULD HAVE BEEN RESOVLED BY NOW HELP PLEASE
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| 06/09/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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|
Web |
Older American |
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On XXXX XXXX, 2022, I opened up a checking account with Fifth Third Bank and have been unable to get my debit card sent to me as promised. The first two times my card was ordered by Fifth Third Bank and the card was supposed to have been sent express to the Fifth Third Bank by XXXX XXXX XXXX. Each time the card did not arrive because something was wrong with their address and each time I received a notice that the card had been " activated '' and if I had not activated the card myself to please notify the bank. Contrary to documentation, I had no idea that the the local Fifth Third Bank at XXXX in XXXX, NC, had actually stopped the card and blocked them. This was incorrect verbiage and notice was not explained to me until I went back to the the location XXXX Fifth Third Bank. Then another card was supposed to have been sent to my home and it was also " activated '' and blocked for some reason. Now last week I called Fifth Third Bank on the phone and representative told me last Thursday, XXXX XXXX, 2022, that the card would be sent to me express within two days and there would not be a charge.
Once again I got an email notice that this card had been " activated '' which means it is now blocked and once again I have not even received it. When I called to follow up and went to the bank, I was told it had not been activated, but the email sent to me on Wednesday, XXXX XXXX, 2022, from Fifth Third Bank states the " card ending in XXXX '' has been activated.
It appears that " internally '' " activated '' means something different from the email notices that I have received. This is very confusing and now XXXX debit cards have been ordered and they all have been " activated '' not by me but " internally '' and " blocked ''.
I have withdrawn all my money out of my checking account because I do not have access to it via a debit card as I can not get a debit card. The debit card was supposed to have arrived Wednesday, XXXX XXXX, 2022, without charge but now I am being told it was just shipped out Wednesday, XXXX XXXX, 2022. Please pull the call made on XX/XX/XXXX or XXXX. There has been so much chaos and confusion and I do not have my debit card yet.
I have no idea why the XXXX would lie and state that he told me anything because I have no idea what he looks like and we spoke only one time on the phone on XX/XX/XXXX when he refused to send me my debit card to my address express free of charge. He told me that I would have to wait until 7 days has passed.
This new branch, XXXX Fifth Third Bank, does not have the best XXXX and for some reason there is so much confusion regarding the address of this location. Even the GPS can not give the correct location of this so called XXXX Fifth Third Bank.
The bottom line is that I can not get my debit card without stress and aggravation and someone internally within Fifth Third Bank is activating my card and yet I am being asked to call if I did not activate it. I have not activated any of them.
The terminology is misleading and unethical. The emails are misrepresentation of the truth and very alarming.
EACH TIME THAT I WOULD CALL CUSTOMER SERVICE, THEY REFUSED TO PASS THIS TO THE CORPORATE OFFICE FOR INVESTIGATION.
|
| 09/12/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Funds not received from closed account
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Web |
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Fifth Third Bank in particular its corporate person handling the several complaints I've already filed XXXX XXXX has failed to properly manage my account when I last one into the bank branch to speak with XXXX loving she informed me that she had got the approval to close my account from her supervisor and that they were going to be using the {$300.00} that was in the savings as the security deposit for the car to close the account which would have left it at a XXXX balance the last letter I just received from XXXX who has not returned phone calls as she had said and promised that she would previously stated that they not only left the checking account open to accumulate further interest charges but they also refuse to close the credit card which I was told was closed by the branch manager XXXX loving by them choosing not to close the card as promised they continue to charge interest and are now reporting the credit card at a higher utilization than it actually is the card was supposed to be closed and the company has refused to just so they can rack up more interest charges at this point I will be contacting the FBI as well as the Attorney General 's office to file fraud charges against this branch and I've already contacted a lawyer which should be very costly to file a lawsuit but I will be filing that lawsuit within the next sixty days I will be asking for a subpoena of all records and if need be filing separate civil suits against each representative that has lied to me including XXXX XXXX and XXXX loving who was supposed to close the account and lied and did not this branch has operated and very fraudulent and deceptive banking practices and this is not something I will stand by and let happen in regards to a dispute that I attempted to file regarding {$21.00} charge from XXXX gas station the representative has the letters XXXX XXXX sent to me lie to me and said that I would have to contact the dispute department and file yet another dispute since the last representative did not file dispute I will also be asking for a subpoena of those voice calls as well because to my last understanding the dispute was not filed which is why I have to file a separate complaint to file the charge again this is completely unacceptable and I am more than prepared to handle this in civil court and I'll have reached out and we'll be reaching out to all levels of government to do more than just filing this complaint with the cfpb since obviously XXXX XXXX is representing the whole Fifth Third Bank I'll be holding her personally liable as well and the matter will be heard in court. Furthermore Fifth Third has continued to harass me by adding me on some type of all about service in which their representatives have called me just about every hour on the hour of the six times or more per day on my phone without leaving any type of the messages as to who they are other than me calling the number back and it's telling me is Fifth Third Bank so I will be filing a report for harassment as well with the FCC and other government organizations for the company continuing to harass me bombarding you with Daley phone calls up to six times or more in the same day even after business hours
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| 07/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Fifth Third purchased my mortgage. I have made timely payments for four years without incidence. They are auto-debited this payment from a checking account at another bank.
I was on back to back business trips ( I am a busy professional with an excellent credit rating ) and did not monitor the checking account balance. I made a stupid, bad mistake and did not closely monitor my checking account balance on this one account that I maintain this mortgage to be auto debited from. Because of this, Fifth Third Bank reported me to the credit agencies and will not redact. And I made every effort to pay, once I found out through a snail mail letter Fifth Third sent me. I was prohibited from paying because Fifth Third is so antiquated that they offer no auto payment thru the phone unless you have other accounts there. And you can not start an account online. Their business office has no extended hours ( this was the weekend after the XX/XX/XXXX ). But on top of it all, their CSRs, in between their candid remarks about the terrible software they are made to work with, told me out and out falsehoods about additional automatic withdrawals, no penalties -- and also neglected to tell me information that an additional auto-debit just the day before had crossed with my deposit to my checking account compounding the situation!
I didn't know until I received a call from Fifth Third on XX/XX/XXXX and immediately got my account up to date on the same day. NONE of this had to happen if they had 21st century banking policies. They purchased a mortgage with a borrower that is outside of their service area and they have no online means of servicing this borrower unless accounts are set up during normal business hours something I also attempted to do. I attempted all due diligence.
Fifth Third 's policies are antiquated, punitive, and do not have the consumer -- or their best customers -- in mind. Their online ratings are awful. On most social media sites there are hundreds, if not thousands of poor ratings. Please help me by asking them to redact the reporting of my late payment to the credit agencies. I tried everything I could to pay this bank. I was met with sub-par online services and mis-truths from their CSRs. This was my first infraction, and Fifth Third Bank gave me no other alternative paths to pay my mortgage, and they still reported me. I am not alone from mistreatment by this bank. It's easy to fix : please ask them to redact those reports.
On the bottom of their letters it always says, " Thanks for choosing Fifth Third Bank ''. Well, I didn't chose them. They chose ME by purchasing my mortgage, and I'm in an area they do not service.
To Fifth Third : Don't report me to a credit agency when I try to make a super fast payment because I messed up if you don't offer me 21st Century banking services. And you don't talk to customers outside of business hours. Invest in the most minimal services of your competition. I have written to XXXX XXXX XXXX of Fifth Third and intend on writing to the Federal Reserve and State of Ohio Department of Commerce as well.
Thank you. NOTE : Please do not share the attachment with the public as it may contain personal information.
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| 10/29/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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XXXX XXXX XXXX has committed Securities FRAUD against XXXX XXXX. I have never invested in XXXX XXXX XXXX or consent to pay this company. XXXX XXXX XXXX has take out securities out in my name with out my knowledge or consent. XXXX XXXX XXXX has committed 18 U.S.C. 1348 securities fraud is the unlawful practice of using manipulative or deceptive tactics to purchase or sell a security. Fraud is a commonly prosecuted federal crime in the United States and securities fraud charges.
ALL ACCOUNTS ARE PREPAID Senate document NO.43, 73rd Congress The ownership of all property is in the State, Individuals, so-called ownership is only by virtue of the government, i.e., law, announcing to mere user and use must be in accordance with the law, and sub-ordinate to the necessities of the state.
Congressional Record, XX/XX/, on HR1491, pg. 83 Under the new law, the money is issued to the banks in return for government obligations, bill-of exchange, drafts, notes trade acceptance, and bankers acceptance. The money will be worth XXXX cents on the dollar because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of the people of the nation.
Title 18 8 Obligation or other securities of the United States defined : The term Obligations or other security of the United States includes all bonds, certificate of indebtedness, national bank currency , Federal Reserve notes, coupons United State notes, Treasury notes, gold certificate, silver certificate, fractional notes, certificate of deposit, bills, checks, or draft for money drawn by or upon authorized officers of the United States, stamps and other representatives of value of whatever deamination, issued under any Act of Congress, and canceled United States stamps.
FRNs are obligations of United States HJR 192 : The term obligation means Federal Reserve notes and circulating notes of the Federal Reserve banks and national banking associations. Title 31 3123 makes a statutory pledge of the United States government to payment of obligations and interest on the public debt.
Title 31 3123 Payment of obligation and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principles and interest on the obligation of the Government issued under this chapter.
( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt, As the Secretary considers expedient, the Secretary may Pay in advance interest of the public debt by a period of not more the one year, with or without a rebate of interest on the coupons.
Therefore, the government pledges to pay government obligations which Federal Reserve notes are and pay them in FRNs which is legal tender. Taxes and all bills associate with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt dollar for dollar. It is a fact : Title 31 3130 further delineates in its definitions a portion of the total public debt, which is held by the public as the Net public debt, 3130. Annual Public Debt Report.
SEE : FTC Report Number XXXX
|
| 11/11/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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This is a desperate plea for help! Over {$14000.00} in overdraft fees!
This formal complaint is to inform any and all who will listen ... that I am drowning in overdraft charges. I am at the end of my rope. I have exhausted all of my loan options just to try to stay afloat.
My business is on the verge of going under. And single handed, at the hands of disgraceful shady practices of Fifth Third Bank.
Here is where it all started. These were my experiences that led to my situation with Fifth Third Bank : 1 ) One or more ( usually my main ) checking account ( s ) not being available ... not showing up in the mobile deposit option through the 5/3 app. As if they know I 'm about to go into the negative and they 're preventing me from making good beforehand. Even before their " cut-off times ''.
2 ) Fifth Third Bank has disabled the ability to take a screenshot ( in the app ), most likely to prevent customer 's from being able to show proof. However, I 've taken pictures.
3 ) ATMs not being available ( out of order ) usually on the same day/night. I also have pictures of this. This is what started everything over 2 years ago and it has spiraled every since.
4 ) When an ATM is available, it has declined the acceptance of checks. I have pictures. It has also not accepted CASH. It just simply grays the 'cash ' option out.
5 ) It does not appear deposits are being posted first.
6 ) It is very apparent that transactions are being reordered, in order to benefit Fifth Third Bank the most, as they are then able to maximize the amount of overdraft fees they charge. I also have pictures of this. It 's obvious in the app AND desktop view.
7 ) Their merchant services company, Vantiv ( either owned by 5/3 or partners ) process the credit card company fees separate from the 'credits ', so each very small amount ( XXXX cents or {$1.00}, etc. ) gets processed separate and ALWAYS last. So if the account is already in the negative ( or about to be ), there is a unique/separate overdraft charge for these transactions. Other banks / merchant services deduct those credit processing transaction fees FROM the 'credits ' and THEN deposit the remaining. The way Fifth Third Bank does it, this increases and maximizes the overdraft fee potential.
8 ) Also, they do n't seem to have a daily or even " instance '' MAX on how many overdraft fees can be charged. Other banks have a max. I 've recently checked. This has caused overdraft charges to pile up as high as {$220.00} in one single instance.
I 've added ALL of the overdraft fees that have been charged to me by Fifth Third Bank over the period of 24 months. Between both personal and business accounts, this has totaled over {$14000.00}. This is an absolute outrage.
I have a XXXX now. I can barely keep it together. I can barely pay off the overdraft fees each week, let alone my regular bills and expenses. I have somehow ( I have no idea how ) managed to keep each account active. Bringing them back out of the negative each time. But I 'm at a point where I no longer think I can do that. Not without some help. This has almost put me under. The next step, seriously, it being put OUT OF BUSINESS & then HOMELESS!
|
| 07/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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We are currently in the middle of an escrow that is expected to close on XX/XX/XXXX. We just won the bid to proceed with purchasing our dream house during this crazy real estate market, but that dream has been crushed. Today we received a call from our lender ( XXXX XXXX ) saying that they can not fund our loan due to negative remarks that were brought against us from Fifth Third Bank ( the first-ever offense in our lifetime of being a homeowner since XXXX ). It took a toll on our credit scores. My wife and I used to have over XXXX credit scores, and due to their mistakes, our records dropped XXXX points. We have request Fifth Third Bank to fix the issues, but they don't have solutions to helps us to close escrow for our Dream home.
The issue is they marked us for late payment for XXXX. We were not aware that the autopayment was never initiated by Fifth Third Bank to apply for XXXX. We were marked late because they never received our physical authorization letter for autopayment ( How are we supposed to know that ). We sent the authorization paper from the provided prepaid envelope by Fifth Third Bank, back via USPS. Being such a large bank, we were surprised that Fifth Third Bank does not have the capabilities to set up auto payment online ( Never happen with other lenders except Fifth Third Bank ). We have never been informed that our first letter nor our second letters for automatic payment authorization has never been processed, and up to this day XX/XX/XXXX, Fifth Third Bank says our account is still showing pending for the autopayment. Never happen with other institutions before. We have never been notified that the autopayment has never been set up or initiated. The by-product of these autopayment mishaps, we have to take a beating for XXXX towards our credit scores. My wife 's credit score even shows that she was reported 3 times, which cost her scores hit the most from XXXX to XXXX. Our lender ( XXXX XXXX ) is asking Fifth Third Bank to remove the negative remark for a one-time courtesy and also provide an official letter that they are willing to work with us to resolve the issues so we can proceed with our escrow to get our dream house.
Yet, Fifth Third Bank did not have any remorse or sympathy to assist us or willing to work with our lender. How are we supposed to close escrow by XX/XX/XXXX? by just waiting for them to decide? All of this can be avoided if they give us a call or give us some sort of notification for confirming the autopayment has never been processed. What other bank institutions in XXXX still requesting paper authorization to be mailed back? And we ask how we are supposed to know if Fifth Third Bank received and process the auto payment? Such a ridiculous process.
We are requesting an assistant from the CFPB team to investigate into why Fifth Third Bank do not process our automatic payment, which causes us a late payment, and why they did not notify us by phone, e-mail, or mail? Without notifying us by calling us, e-mail, or mail? We are requesting for Fifth Third Bank to correct our credit scores to their original state for both my wife and me. Thank you very much for reviewing this complaint.
|
| 10/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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For the last year, XXXX XXXX has been wothdrawing {$570.00} from my account on a monthly basis. The withdraws were supposed to end on XX/XX/2023. They informed me they would continue ot deduct money from my account, in which I informed them they did not have approval to.
On XX/XX/2023, I contacted Fifth Third bank concerning this and requested a stop payment be placed on my account for any future withdraws from XXXX XXXX. Fifth Third Bank then charged my account {$33.00} for the stop payment fee.
On XX/XX/2023, the withdraw from XXXX XXXX for {$570.00} showed pending in my bank account. I immediately contacted Fifth Third Bank asking how this could be because I had placed the stop payment on the account. I spoke with a supervisor who informed me that it would show pending for up to 3 business days while XXXX XXXX continued to try to force the money from my account. She informed me that under no circumstances would my money be given to XXXX XXXX and that this was just their process. I complained to her that she had charged me {$33.00} for the stop payment and that it was unfair that my money was on hold in a pending status so i couldnt withdraw it. She again assured me this was thier process and that the stop ayment was in place and my money would not be given to XXXX XXXX.
On XX/XX/2023, the withdraw of {$570.00} was taken from my acocunt and given to XXXX XXXX. I contacted Fifth Third Bank as soon as I realized this on XX/XX/XXXX. 2023. First I was told that I had waited too late for the stop payment because XXXX XXXX had already submitted it to my bank. I refuted that informing them that XXXX XXXX did not submit it to my bank until XX/XX/XXXX. I placed the stop payment on XX/XX/XXXX, more than XXXX business days ahead of the time that it was submitted to my bank.
I was then transferred to their dispute department. The dispute department told me that they would initiate a dispute and that it could be 8-14 days before it was settled and my funds returned to me. I refuted that. This was a mistake on Fifth Third Banks behalf, not mine. They told me they needed to contact the other bank to try to get the money back and I would have to wait and see. They charged me {$33.00} for a service they did not live up to. I also demanded that money be refunded to me immediately. I told them the issue with the other bank was not my issue, it was thiers. It was their responsibility to enforce the stop payment and they failed miserably. I should not be punished and have to wait to have access to my funds until they get thier stuff together. I have bills to pay and who's going to buy the grocieries for my family with almost {$600.00} missing from my account?
Fifth Third bank has failed miserably in their responsibilites to obide by the regulation and supervision primarily by the Federal Reserve, the Consumer Financial Protection Bureau and the Ohio Division of Financial Institutions and additionally by certain other functional regulators and self-regulatory organizations.
They made the mistake. I did not. I need my money returned to me asap. As soon as it is returned to my account, I will be moving my banking to a better institution.
|
| 04/12/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
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I have a HELOC with Fifth Third Bank. It is my understanding, plus I have been told by both a branch XXXX and a loan XXXX that on XXXX loans all the interest is to be paid off first ever month, and what is left over from your payment goes to the principal. My loan has two portions of money. One portion which was the initial loan is locking in at a lower interest rate. The second portion, which was taken out during the last year is at a much higher ( more than double ) interest rate. So when I make a payment ( and all my payments are made automatically by the bank ), my understanding is that all the interest for both portions of the loan is to be paid off in full each month. This is not what they are doing. Every month they are taking my payment and paying all the interest on the lower intrest rate portion, but they are not paying all the interest on the higher interest rate portion of the loan. So every month the total balance of the load goes down, but the balance of the higher interest rate portion goes up each month. After one year of having the higher interest rate portion, the balance of that portion has gone up about {$600.00}. If this continues over the life of the loan it will cost me a ton of money.
Now, in conversations I have had with the branch XXXX, he has agreed that all the interest should be paid off every month, he told me it is probably a glitch in their system, but offered no remedies. He made it sound like I would have to just live with it. We have also discussed how I could make an extra payment to bring down the higher interest rate portion. He told me that if I made a principal only payment on line it would be applied to the higher interest rate balance. Last month I did this, and they applied the money to the lower interest rate portion pricipal. So he as since admitted to me that I have no way to make a payment that will be applied to the higher interest rate portion ( interest or principal ). He has suggested that I come into the bank and make an extra payment, and that they may be able to force it to be applied to the higher interest rate portion principal. This does nothing to solve the original problem that the interest for the higher rate portion is not being paid off every month. So this will still cost me more money unless I pay the full balance of the higher rate portion off.
There are many questions that I have asked about this, but they have not answered any of them. Here are a couple.
1. They are paying some of the interest on the higher rate portion each month, how do they determine how much of that interest is paid off?
2. Also, when I make a regular payment, they pay the interest first, then are taking all the extra money and applying it to only the lower rate portion principal, shouldn't some of that extra money be applied to the higher rate portion principal, so that the higher rate principal balance is also decreased by a small amount every month?
I feel that this is illegal. They are probably doing this to tens of thousands of their customers. This has been happening to me for a long time before I finally looked close enough at a monthly statement to realize what was happening.
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| 08/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of 2018 my monthly payment increased by around {$450.00}. Then again the next month and after that. When speaking with 5/3 it took quite a few transfers to find someone to shed any light on this. A woman finally told me that my escrow was around negative {$4000.00}. I was shocked and couldn't understand how, because I had never missed a payment and had a fixed rate mortgage. My taxes did increase when the home was reassessed after I purchased and applied my homestead exemption, but my mortgage also increased, which I always paid.
I asked them about a letter I had received around XXXX of 2018 from my Homeowner 's Insurance being cancelled due to non payment. When I called my Homeowner 's Insurance company, they said it had just been paid and to disregard the letter.
It turns out that after pressing the 5/3 representative about the missed/ late Homeowner 's Insurance payment she discovered that 5/3 paid the bill twice within a matter of weeks. It turns out it's my responsibility to recover the over payment and return it to 5/3 bank. I did call the Homeowner 's Insurance and was issued a check, which I took to 5/3 bank but they're branch representatives are not very familiar with their mortgage and especially not their escrow departments. I thought it would be very simple to pull up my account and see any discrepancies. The woman I talked to was very reluctant to give me any information and even refused to admit that it was a mistake to pay the Homeowner 's Insurance twice. I was told that an escrow analysis would be done at the end of the year!
At the 5/3 branch the woman I sat for hours with, never actually spoke with anyone over the phone, she could only contact them through online chatbots. While I was waiting, two more customers were in the lobby complaining about escrow problems. I started to feel like this is very common with 5/3 bank. They wanted me to deposit the whole check, even though it was for more than the remaining balance of the shortage. I decided to take the check and keep the money instead of continuing to overpay each month AND give them the check and HOPE that when they finally did an escrow analysis that I would finally get my money back.
I was told by the woman at the bank that I would be contacted by phone by someone from the escrow department within 5 business days. I was never contacted by phone. I only received a letter confirming that I would still need to continue to pay the extra money. They did reduce it but it would just be spread out over a longer period of time.
I KNOW that 5/3 is COMPLETELY responsible for this debacle. I have had to put off paying other bills to keep up with higher mortgage payments. My credit has been harmed by this to the point that it will take me years to repair with absolutely no sympathy from this company. I'm POSITIVE that people lose their homes due to this type of irresponsible " accounting '' for lack of the correct term. It will be a miracle if I can ever straighten this out and be refunded the money that I have overpaid WITH interest. I pray that a more responsible mortgage servicer acquires my account. 5/3 does NOT belong in the mortgage industry.
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| 10/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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This issue arises from Fifth Third 's interpretation of Reg E, specifically 12 CFR 1005.6 ( b ) ( 3 ). I submitted a claim of unauthorized charges on a checking account dating back to XXXX of XXXX. The periodic statement showing these charges was transmitted to me on XX/XX/XXXX. The initial dispute included 28 charges totaling {$2600.00}. Notice of these charges was provided to a personal banker on XX/XX/XXXX in writing. The banker contacted me later that same day and acknowledged that the bank staff had reviewed the accounts further and identified a total of 43 transactions totaling " over {$3200.00}. '' Dispute staff facilitated merchant reversal in the amount of {$910.00}. All other amounts were determined to be valid transactions by the dispute staff per a series of final determination letters all dated XX/XX/XXXX.
I re-asserted my claim that the remaining amounts be credited back to the account on XXXX through a phone call with the disputes department. I was advised on this call that the request was denied because Reg E did not require the bank to provide any credit for unauthorized transactions that they were notified of more than 60 days after their occurrence. I explained that this was inaccurate and based upon the regulation and relevant federal case law I was entitled to relief of all charges exceeding {$500.00} that occurred 60 days from XXXX ( the date of the first statement on which illegitimate charges appeared ). I further provided a detailed email explanation of this referencing 12 CFR 1005.6 ( b ) ( 3 ), the official commentary to the regulation, and recent caselaw in which federal courts have interpreted this section to mean exactly what I was asserting. Additionally, I requested all documentation used by staff in making their determination. I was assured I would receive this.
I received an additional determination letter on XX/XX/XXXX denying my re-assertion claim. I again called the dispute department on XX/XX/XXXX to discuss this matter. I was told that Fifth Third did not have any documentation relating to this investigation because my claim was denied on the basis that I had not given timely notice of the charges. I was assured the explanatory email I sent was in their possession and had been reviewed as part of their re-assertion investigation. It is notable that all determination letters gave the reason for denial that " our research confirms that the transactions are valid. '' This is an audacious claim for them to make considering their staff has admitted no substantive investigation was ever completed and that the sole reason for denial is the time which elapsed between the charges and when they were notified.
Fifth Third is in clear violation of Reg E. This specific matter has been controverted in several federal courts, as it appears many other banks have made the same mistake in interpreting the regulation. I am asking that all charges that occurred in the 60-day window beginning XXXX be promptly credited back to my account, with the exception of the {$500.00} liability which the regulation says I must assume. My calculations indicate this amount is approximately {$1700.00} to {$2000.00}.
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| 04/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I received an escrow statement from Fifth Third bank stating that my payment was increasing from {$660.00} a month to {$790.00} beginning XX/XX/XXXX, due to a shortage in my escrow account. I contacted them the same week to dispute this. Upon our conversation it was determined that Fifth Third was trying to pay for the property taxes on one other property I do own that is not a part of my mortgage as well as another property that I do not own. The property that I do own and have the mortgage on the property did increase by {$200.00} a year so I did expect an increase of {$17.00} but not an increase of {$130.00} a month. When I spoke to the representative I was told that Fifth Third would need to have their escrow department look in to this and this would be resolved in 6 business days and that I should call back on the 7th business day. I expressed to her that I was concerned that this be resolved so that my XX/XX/XXXX payment would be accurate. On the 7th business day I contacted them and was told that this issue was not yet resolved and they are asking XXXX to follow up with this to verify the correct properties and to call back the following week. I stated again that I was concerned and the importance that this be resolved before the XX/XX/XXXX payment was due because I felt it unfair that I would have to pay and extra 20 %. I waited another 7 days an called back and was told that this was resolved and it would be accurately depicted on their system on XX/XX/XXXX. On XX/XX/XXXX I called back again was told that this was resolved but the accurate amount for my payment of {$690.00} can not be effective until XX/XX/XXXX. I asked what the amount for the XX/XX/XXXX payment needed to be and was told that I needed to pay the increased amount of {$790.00}. I asked why this would be and was told because Fifth Thirds systems require 60 days to change to an accurate payment amount. I then asked why knowingly are changing my payment when they are aware that their system requires 60 days to be made accurate when I didnt receive the escrow statement until XX/XX/XXXX. That means they gave me 34 days notice when they know that their system requires 60 days to become accurate. I was told well that is just how it works. And there was nothing that could be done about it. When I asked to speak to the supervisor that the representative ( Her name was XXXX XXXX was messaging XXXX told me that she could not transfer me to her. I then asked what her name and number was and told that her supervisor did not have an outside line so there was no way for me to contact her and if there was no further questions that she could help me with today.
So because I care about my credit score I have to make a mortgage payment that is 20 % higher for the month of XXXX because Fifth Third knowingly has a system that can not be adjusted for 60 days but provides their clients with less than that amount of time notice.
Property taxes in Indiana are paid in XXXX and XXXX every year and the tax bills historically do not go out until mid XXXX. How can a consumer honestly rectify this if their system is not set up to accommodate a fair resolution.
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| 07/14/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
Older American |
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I am a longtime customer of Fifth Third Bank, where I manage my checking and two savings accounts almost exclusively via my desktop computer. In the many years Ive been a customer, Ive not experienced any problems accessing my account online until XXXX of this year, when I could not log in from my desktop computer for an extended period.
I first discussed the issue with my local branch on XX/XX/22. The rep had me try to log in using different browsers, changing browser settings, etc., to no avail. He stated that hed contact the banks IT department, who would work with me to fix the issue. I never heard from IT, and so contacted my local branch again. This time, I was told they couldnt resolve my account access issue and advised me to seek help from corporate customer service, which I immediately did. The rep in that department researched the matter and reported that there was a known, ongoing issue of browser compatibility. She informed me that IT was working on a fix but she could not estimate when the problem would be resolved. She suggested that I simply keep trying to log in each day.
Eventually, I was able to log in to my account, but it wasnt long before I was locked out for the second time. In fact, the problem is recurrent. To date, there have been at least four instances in which I was denied access to my accounts for multiple consecutive days : XXXX XXXX ( 10 days ) ; XXXX XXXX ( 8 days ) ; XXXX XXXX ( 3 days ) ; XXXX XXXX ( >15 days ).
After escalating the matter, I communicated with two representatives of the Office of the President, who, over the course of many weeks, attempted to mediate a solution with the banks IT department. A permanent fix still has not been made. I did learn that the recurring lockout is an unintended consequence of new security software and is triggered when my login credentials are used after the IP address of my desktop computer has updated. Because most personal desktop computers use a dynamic IP address, its occasional reassignment should not trigger a security lockout. Indeed, Ive never experienced this issue with any of the other financial institutions with which I do business. Apparently, the lockout imposed by Fifth Thirds security software is relieved automatically after an unspecified period of time. It can be lengthy, as evidenced by the current episode, which has lasted 15 days and is ongoing.
Fifth Third Bank has been aware of this software bug for many months, but obviously has not devoted sufficient resources to resolving it. Many customers besides myself have been impacted. The webpage XXXX ( XXXX XXXX XXXX ) exhibits multiple pages of complaints registered over the past several months ( 154 in XXXX alone ) by Fifth Third 's customers experiencing account lockouts exhibiting similar characteristics : desktop computer couldnt login but mobile device could ; lockout period lasting many days before automatically resolving spontaneously ; OOPs error message received. Consequently, many of Fifth Third 's customers have not only been inconvenienced, but undoubtedly incurred fees arising from their inability to expeditiously manage their accounts.
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| 12/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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1 ) In XXXX XXXX I opened a mortgage with XXXX XXXX. The payments were {$2600.00} of which {$680.00} was for a real estate tax escrow.
2 ) In early XXXX XXXX raised the mortgage payment to {$3300.00} with the escrow payment increasing to {$1400.00} ( an increase of 100 % for an annual total of {$16000.00} into escrow ). I immediately protested this escrow assessment.
3 ) The tax history of the property is as follows : XXXX : {$10000.00} Paid in Full XXXX : {$10000.00} Payment History XXXX : {$8200.00} Payment History XXXX : {$8000.00} Payment History XXXX : {$7700.00} Payment History 3 ) Even in the highest years of the taxes ( XXXX ) the escrow amount demanded was 62 % higher than the taxes. This is well beyond the amount allowed in the mortgage escrow agreement.
4 ) In XXXX XXXX XXXX XXXX stated in writing ( Please see EXHIBIT D ) that they had corrected the escrow amount, waived late charges and had not made any negative credit reports.
5 ) At around the same time XXXX XXXX transferred the servicing of the loan to Fifth Third Bank, whereupon I re-directed my automatic payments to Fifth third.
6 ) Fifth Third did not accept the first XXXX payment from my account at XXXX stating that it did not match their records. It was at this time that I discovered that apparently XXXX XXXX had not done any of the things it said it did in EXHIBIT D before they transferred the servicing to Fifth Third.
7 ) Since the transfer of the servicing to Fifth Third I have made all payments to Fifth Third including manually sending them the payment that they refused from the XXXX EFT. I further paid an amount that they said was needed to adjust my escrow account per their calculation of the escrow. Please see EXHIBIT F.
8 ) Since the transfer of the servicing, Fifth Third has not applied a number of payments to the mortgage. Apparently, ( and I never received any explanation of this in writing ) they put my payments in an account called " unposted funds '' and when the amount in that account reached the XXXX XXXX unadjusted payment, they then applied the funds to the mortgage.
However, in one instance they actually returned funds in that account after deducting a payment. Here again, I promptly returned the funds that they returned to me.
9 ) I have received monthly notices of default and foreclosure from Fifth Third and monthly statements showing amounts due as high as over {$13000.00} even though I have made all payments and they have money in the " unposted funds '' account.
10 ) Throughout this period I have never received any kind of explanation of how Fifth third has put me in this position. Nor any explanation of exactly what they believe to be what they need from me. I even wrote to a senior officer ( see EXHIBIT I ) and received no response.
11 ) To illustrate the absurdity of the situation, EXHIBIT J is a letter from Fifth Third stating that I must pay {$3400.00} in delinquency, which appears to be the amount of one of the unadjusted XXXX XXXX payments, plus a late fee ( supposedly waived ). Exactly one day prior to EXHIBIT J they sent a mortgage statement ( EXHIBIT K ) saying that I owe {$13000.00}.
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| 10/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XX/XX/XXXX XXXX Fair Debt Collection Practices Act : XXXX : XX/XX/XXXXOn these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : FIFTH THIRD BANK NA XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX XXXX
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| 08/21/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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XX/XX/2019Regarding: Fifth Third BankTo Whom It Concerns,My husband and I have had our Checking account with Fifth Third Bank/XXXX XXXX XXXX for a number of years. My husband died this past XX/XX/2019. I have resumed the relationship with Fifth Third Bank in changing the account name into my name only (XX/XX/2019). My husband received a lump sum (XX/XX/2019) of Social Security Disability and a single payment (XX/XX/2019) in July. Knowing the XX/XX/XXXX payment, that I was not entitled to and possibly a portion of the lump sum. I went to the Social Security office in XXXX XXXX (XX/XX/2019) to bring this to their attention as well as my Spousal Disbursement. In the conversation with Social Security, it was my understanding they were to bill me for the overpayment. Fifth Third placed the hold on XX/XX/2019 and NO notification was sent to me, regarding the hold of the Reclamation in the amount of $XXXX. It came to my attention on XX/XX/2019 talking with a Fifth Third representative that Social Security placed a hold on the funds, 13 days with NO notification from Social Security or Fifth Third thus harming my reputation. Within the week, I wrote a check to my attorney and was notified by him that the check bounced. Had I known the full amount was held, I would have used my account at another institution to write the check. XXXXNote: If at the time the RDFI first receives information of death, all or part of the post-death benefit payments have already been withdrawn from the account, the government does not authorize the RDFI to try to recover the funds from the withdrawer. If the RDFI does so, it acts under its own authority in terms of its contract with its depositor or under state law.Holding Payments Under no circumstances should an RDFI hold payments indefinitely in a suspense account, or by any other means, nor should payments otherwise be held if any of the conditions apply on when to return a payment. Holding payments may constitute a breach of the RDFI’s warranty for the handling of Federal government ACH payments under 31 CFR 210 and could result in an RDFI’s inability to limit its liabilityI have another issue that has come to light on a regular deposit on XX/XX/XXXX, I made at an ATM (XXXX XXXX) for $XXXX. This ATM does not accept envelopes but takes pictures of the checks/deposit and shows the check(s) on the screen. However, looking at my On-Line Fifth Third banking, on XX/XX/XXXX I noticed a $XXXX. Debit on XX/XX/XXXX. I called the Customer Care and was told that the machine/person could not read the check and was then debited my account, the same amount of the check. In this conversation the Customer Care Representative stated the check was discarded and I should receive a notice the end of this week. I feel Fifth Third should of called/emailed (they have this personal information) regarding this and not disregard the check but look into the situation and resolve this immediately. In addition I am fairly certain there are reconciliation requirement that Fifth Third need to abide to that would allow me to see the image that they felt was not legible.Frustrated
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| 01/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Older American |
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My mother died early XXXX XXXX As XXXX, I began initiated attempts to access her checking and savings accountsat 5/3 XXXX Bank in XXXX I provided the XXXX XXXX XXXX and a letter with instructions for the institution written by mother 's XXXX XXXX XXXX XXXX of the 5/3 office on XXXX XXXX XXXX XXXX XXXX XXXX. He told me that I " would have to go to court '' for the money. I was frankly, dumbfounded. He refused to give me any alternatives or offer an explanation.
Over the next weeks in conversations with my mother 's home branch in XXXX XXXX XXXX I was told that the account was in my brother 's name, " we can't talk to you '' ; then, 'Oh, a mistake was made, they're working on it, I'll get back to you by the end of the week. '' Calls did not come, and it was I that reached out again, to be told, " Oh, a mistake was made, we're working on it. At no time was I given access to those " working on it, '' or frankly, what it was they were working on. At no time was I sent documents that anything was being " worked on. '' A After a month, I was told by a receptive manager at the XXXX XXXX XXXX was ready, and that my local branch on XXXX XXXX XXXX would be prepared when I arrive. I should arrive with the documents.
I arrived mid-XXXX on XX/XX/XXXX, roughly a month following my initial visit, with the same documents. The manager wasn't prepared for me, in any sense of the word ; in fact, he was disinterested, in virtually every sense of the word.I was told : " Oh, I've been busy with my XXXX XXXX all day ; '' that I would " need an appointment ; '' that he had never done " this kind of paperwork before. '' So I sat while he contacted the XXXX XXXX office manager and she walked him through working with the same documents that I had brought to his office a month prior, and been told, " You'll need to go to court. '' The transfer of my XXXX XXXX XXXX was accomplished. The manager then asked, " Is there anything else we can do for you? '' in the most disinterested manner possible. And I replied, " Yes. The next time so you're presented with a task unfamiliar to you, simply say, 'This is new to me. Let me call someone who might know more. ' Telling a person they'll have to 'go to court, ' that is not acceptable. '' The manager apparently did not appreciate my message, or my attitude, because he jumped up, yelled, " Leave my office, now! '' and then yelled for the guard, claiming that, " This man is throwing furniture! '' XXXX XXXX were called, whom I frankly welcomed. In the meantime, the manager is shouting in the background, " You'll never come back here again! '' I walked outside to await the officer 's arrival. Following that conversation, I left the property.
Needless to say, I have no desire to have anything to do with 5/3 Bank again, other than filing this complaint and obtaining possession of the belongings stored in that office 's lock boxes. I have never been so frustrated, so angry, and so humiliated in my life.
And I would like to hear from 5/3, which does not seem the least curious about why a customer would be irate over being told, " If you want your money, sue for it. ''
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| 07/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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On XX/XX/XXXX, my checking account at Fifth Third bank was assessed for two charges I did not authorize- one was for {$6.00} and the other was for {$130.00}. They were for XXXX and XXXX in XXXX, respectively. I do not know who this company is, I never ordered anything from them, and I never received anything from them. The phone numbers for them listed on my bank statement do not appear to be valid as no one answers my calls.
Within a few days, I notified Fifth Third bank by visiting their branch on XXXX XXXX in XXXX XXXX and notified them these were not valid transactions. The bank employee took my information and a few days later I received letters indicating I received provisional credit for both transactions. I subsequently received one letter stating that the {$6.00} would not be charged, but that through information they received from the merchant, they determined the {$130.00} was valid and my account would be debited.
I then returned to the bank, and asked them to please send me a copy of the transaction and proof that I ordered it and it was delivered. They failed to do so. After several months of letters back and forth, and repeated visits to the same Fifth Third Bank, I finally received a copy of a print out in XX/XX/XXXX showing that the company charged {$130.00} for a Fitness Bench. I did not order a fitness bench, have never done an internet search for a fitness bench and communicated this to the bank. In addition, no one visited me during this time who would have had access to my debit card.
In XX/XX/XXXX, I also asked XXXX at Fifth Third why I had not yet received a copy of either the shipper 's information or proof of delivery, as I was promised, and he advised that they were not required to obtain this from the merchant. I told him that I am baffled they can charge me for something, and not provide supporting documentation.
On XX/XX/XXXX, I spoke to XXXX at Fifth Third again, and then his supervisor. He stated that they determined the charged was valid, based on information from the merchant. He affirmed that they did not have to provide me shipping data, and said they would reopen the case if additional information was provided to them. I told him I had no data, as I never ordered this, do not know who the vendor is, and never received a shipment from them for either of the charges.
I asked if Fifth Third was willing to originally ( in XXXX ) refund the small amount because it was a low amount, and he agreed with my statement. I then asked if contacting the FTC or CFPB was the next step, and he said I could do that.
I am XXXX XXXX XXXX and do not use a fitness bench. I have limited mobility and vision. I assure you that I have no need for a fitness bench. I have no children who would have ordered this equipment.
On XX/XX/XXXX I received the most recent communication from Fifth Third again stating that the merchant confirmed the transaction was valid. It is not valid, I can not contact the company and I can not provide a non-existing order or any shipping data to them because they do not exist. I am asking your good help in resolving this matter.
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| 10/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have previously submitted a complaint to XXXX about Fifth Third Bank. I originally had an escrow evaluation with a lot of incorrect information including projected city tax payments to a city that I do not live in. These incorrect items, and some legitimate increases caused my mortgage to increase by almost {$600.00}. We tried to get the bank to re-evaluate our escrow statement without including this projected payment to a town that we do not live in. Since this projected payment came during the month of XX/XX/XXXX ( the month after they did their evaluation of escrow ) it showed as a projected amount that we would be paying and therefore took the amount out of our cushion. I have repeatedly asked representatives from Fifth Thirds Bank to provide me with documents that clearly show that there is no payment or projected payment coming out of my escrow account. They have continued to provide me contradicting information and statements. They have provided an account statement that shows our account is projected to pay the town of XXXX in XX/XX/XXXX, but then they tell me that it is not debiting my account and send my a spreadsheet that shows the money has not been deducted. I asked for them to rerun the escrow analysis once the month of XX/XX/XXXX had expired so that our account would no longer be projected to lose the {$1200.00} to a city tax that I do not live in. I am not sure if they can not truly understand what I am explaining or if they are just trying to act like the do not understand. They have told me that they can not rerun the escrow analysis since it was rerun in XX/XX/XXXX. This needs to be rerun, because when they projected XX/XX/XXXX, they would have projected my account to be {$1200.00} short since it was showing as a projected payment on the escrow analysis. I have spoken with multiple representatives from Fifth Third Bank, and all but XXXX have been rude, yelled at me, and spoken down to me. I am thoroughly displeased with the service that I have received and the lack of cooperation that I have been shown. I had to file the first complaint just to get them to look at the original complaint that showed me paying 2 mortgage insurances on top of the extra city tax to a city that I do not live in. I will attach the last escrow statement that clearly shows a projected payment to the town of XXXX even though there are 4 previous quarterly payments to the XXXX XXXX XXXX. The account statement that I have been provided shows that we have paid 4 quarterly tax payments to the XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My projections for next year show that we are projected to pay the XXXX XXXX XXXX 4 quarterly payments as well, so this would clearly be a 5th payment that we are not responsible for. I am being told to just ignore what is documented in the account statement. I believe that this is a tactic that Fifth Thirds could possibly be using on large numbers of other mortgage holders at their bank in an attempt to collect money off of interest. I would believe that this practice would be at the very least looked at as unethical, and worse case could be illegal.
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| 03/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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To whom it may concern, I Bank at 5/3 Bank located at XXXX XXXX XXXX. XXXX NC XXXX. On XX/XX/XXXX I Rented a Car from XXXX XXXX XXXX XXXX because my own car was in the Shop for repairs. On the day of the Rental I paid XXXX with my Bank Debit Card. I Rented the Car for another 5 consecutive weeks which I also paid for with the same card. Those payments were as follows : XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XXXX - XXXX, XX/XX/XXXX - XXXX, and XX/XX/XXXX - XXXX. The total of these payments came to XXXX. These payments were to be kept on 'Hold ' at the Bank as my Deposit on the Car. I saw these payments deducted from my Account information on each date that I made the transaction because I am set up for Text Alerts every time money is withdrawn from my Account. I also knew that when I returned the Rental Car, XXXX XXXX XXXX XXXX would post the money that I owed for the Rental to my Account. However, at the same time, the Bank was supposed to release the 'Hold ' on all the Deposits I had made which would, in turn, cover the cost of the Rental and clear my Account. The issue is, the Bank posted the Bill for the Rental from XXXX but they didn't release the Hold on all of my Deposits. The Bank also cleared my Account of all the above transactions so that there is no record of any of it taking place in spite of the fact that XXXX XXXX XXXX XXXX has a record of ALL OF IT and the Bank will not return my money. They are claiming that since they don't have these transactions in my Bank Statement, XXXX XXXX XXXX XXXX must have it. I was sitting with the Bank Representative when he called XXXX XXXX XXXX XXXX and itemized every transaction I had made with my Bank Card but due to him not seeing these transactions on any of my Statements, he wasn't able to clear this issue off my Account. However, every time I talk to the CSRs at XXXX XXXX XXXX XXXX, they tell me that the Bank has it because it never left my Account. It was only withdrawn and put on 'Hold ' as a Deposit in case anything happened to the Car. In other words, both parties involved are denying they have my XXXX. This is why I'm reporting 5/3 Bank because since XXXX XXXX XXXX XXXX has come forward with all of my transactions with them and can prove that they were made with my Bank Debit Card, why then does the Bank itself have no record of these transactions? Why did the Bank erase these transactions from my Bank Statements to cover up the fact that they stole my money. Now they have written me a letter threatening to put me in the Credit Bureau and turn me over to Collections even though they are the ones that caused the problem by stealing my money. There is one more thing that bothers me greatly about this whole situation, XXXX may not be a great deal of money to a Billion Dollar Bank, but it's a XXXX of a lot of money to me. When I called the 'Disputes Department ' of the Bank to try to clear this up and ask them to find out what happened to my money, I got Transferred 3 times and then Hung up on in the end. Does that sound like a good business practice by a company that is claiming to care about their Customers to you?
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| 01/14/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
Servicemember |
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to whom it may concern, XXXX we have been the victims of identity theft,. people have been pretending to be us via a veteran program called XXXX. three people XXXX XXXX XXXX XXXX and XXXX XXXX ( property manager. ) people were illegally attached to us via XXXX XXXX XXXX and XXXX XXXX. fifth third has already verified XXXX. we believe that XXXX XXXX ( fifth third ) and XXXX XXXX related to each other along with XXXX XXXX in XXXX north carolina. we believe that XXXX XXXX at fifth third on XXXX and maybe other banks she worked at. it was brought to my atttention back in XX/XX/XXXX on camera by a teller she was assigned to our accounts..we never signed any paperwork for her to be our payee or power of attourney, we didnt authorize anyone, including XXXX XXXX and XXXX XXXX of XXXX including XXXX XXXX or anyone else including XXXX XXXX XXXX, also including the adjacent XXXX XXXX that was illegally attached to us via XXXX. we have paperwork stating that XXXX was our payee. and that was paperwork given to us by ss admistration. ss administration knows that we dont have payee. and suggested we get monies back from fifth third. fifth third has been uncooperative.. even fifth third verified people had numerous bank cards in our name.
we can be reached at XXXX XXXX XXXX ( home ) .we have paperwork documents to prove this. once again XXXX XXXX at fifth third on XXXX ... XXXX XXXX XXXX. we never authorized XXXX to do anything with our accounts. the other number where i can be reached is XXXX XXXX XXXX. there is red flag on two numbers XXXX XXXX XXXX and XXXX XXXX XXXX.. these our old number we no longer use but someone has them pretending to be us and speculate assume its XXXX XXXX ..illegally attached to us via XXXX embezzling monie from us to because they illegally had our ss numbers. and we speculateXXXX was living here for two years prior to us being here pretending to be us through XXXX. irs already verified over phone some onXXXX was living here in our XXXX XXXX two years prior to us moving in XX/XX/XXXX XXXX. our XXXX XXXX said XXXX , and so did XXXX XXXX and fiftth third. there was bogus account called XXXX XXXX XXXX.. and this XXXX ( who we never authorized to payee or power of attourney ) had opened commercial bank account..it was verified XXXX XXXX had our info, .back in XXXX identity theft in the year XXXX. we opened XXXX account XXXX and thats how we found out someone was usig our name. XXXX ... so how many people via featherfist XXXX XXXX XXXX XXXX illegally gave ss numbers because people illegally attached to us via XXXX. we speculate more banks. mr XXXX verified, how many XXXX XXXX ... so multiple women pretending to be me and my husband as well mr. XXXX XXXX XXXX XXXX. he stated this over phone. mr. XXXX did. the XXXX police have already verified multiple id in our name. including driver license my husband never had drivers licence. so bottomline embezzlement from above named mentioned XXXX first initial XXXX at fifth third on XXXX and XXXX and XXXX XXXX.. ( alleged property manager aka slum landlord ) placed on us XXXX XXXX XXXX and XXXX XXXX .
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| 05/29/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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President assured me that he would reimburse me for any fees related to penalties i received for IRS du e Fifth Third not honoring online payment as Branch Manager state d she would. They are now trying to say that they called me and could n't reach me?? i have my cell phone on and available to take calls at any time. and there were definitely no missed calls. They also did not mail me any info regarding hold they stated they had on acct either until after i filed complaint. IRS has fined me {$2300.00} ( I HAVE NEVER HAD A RETURNED CHECK WITH IRS ) for them not paying my check in the amount of {$14000.00} when i had funds in the bank. and even after i spoke with XXXX XXXX Manager who gave me her contact info for them to call her so that she assure them that " the funds were good ''. They alleged that they called her and that this was n't good enough and they had to have this in writing. i made a payment to IRS for taxes o n XX/XX/XXXX a nd after making payment online i realized that bank had some of my funds on hold for a check that deposited via ATM. first thing Monday morning the XX/XX/XXXX i bega n calling to see if manager would release so that this check was not returned and this when the charade began.. I spoke with several Manage rs at 4 locations and 2 o f them assured me that they would handle. i was told by all that i need to contact the branch i opened the account with 10 years ago!! So i started with XXXX who never returned call back to date ... but told XXXX who assured me that this check will clear because if funds are there they will always pay check..and she stated that check had already been held 7 days and it is obvious that the check is good..by the end of the day XXXX called me after hours and stated that XXXX advised her to " stay out of i t '' and that she would handle. All the people I spoke with on XX/XX/XXXX regar ding this matter. XXXX XXXX ( she was at location where i made ATM deposit ) never attempted to call me back I have my cell phone with m e 24/7. The y knew that XXXX XXXX would not be providing them anything in writing but did advise Fifth Third to call so that they could verify that Funds were Good Also another important Fact to point out also is if they hold funds for the entire 8 days then funds should have been available and check should have cleared on XX/XX/XXXX ( the XX/XX/XXXX the check was returned not paid ) I HAVE SPOKEN WITH THE PRESIDENT AND HE HAS ADVISED ME THAT THE PENALTY THAT I HAVE BEEN ASKED TO PAY FROM IRS FIFTH THIRD W ILL BE REFUNDED ONCE I HAVE PROOF THE I HAVE PAID THIS WAS HANDLED VERY POORLY ESPECIALLY AFTER I SPOKE WITH MANAGERS AT 4 LOCATIONS ( XXXX AT XXXX LOCATION, XXXX AT XXXX LOCATION, XXXX MANAGER AND XXXX XXXX AT XXXX XXXX LOCATION ) BRANCHES AND WAS TOLD ONE LIE AFTER ANOTHER. I DO EXPECT TO GET REFUNDED THE COST OF THE PENALTY BUT THIS DOES NOTHING FOR MY INTEGRITY WITH THE IRS I DO NOT PLAN ON CONTINUING MY ACCOUNT WITH THIS BANK AND IN THE PROCESS OF GETTING IT MOVED TO ANOTHER FINANCIAL INSTITUTION. XXXX XXXX
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| 09/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Several transactions through my wife and I account were not authorized by either of us. We spoke with said companies who stated they would give us back our money but only 25 % of the amount. We then filed an investigation through adp compliance for XXXX we were told we would get documents to sign and return there were multiple transactions on said list that were accurate which was made aware to them. they denied the refund stating the charges were accurate. during this time from XX/XX/XXXX to XX/XX/XXXX they cancelled our card and sent a new one ( appropriate ) but they also locked our account and we had no access to our money at all as well as we continued to get notifications of transaction being attempted during the investigation but we had no access at all. The charges are attached to our account but we didnt not approve them or even attempt to purchase said items we were charged for. We did not receive any goods/items either. the following are the charges I am requesting assistance on please.
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX work out supplement charge was {$110.00} XX/XX/XXXX XXXX XXXX XXXX work out supplement charge was {$39.00} These 2 charges the rep stated I placed an entry to win a free XXXX. I did not do that in any way but explained further even if i had that wouldnt justify being charged without my permission for services i didnt request or get items for. these 2 charges are the one I was advised I could get a 25 % refund for I declined and requested to speak with a manager and was denied that right rep stated the volume of call were to high for me to speak with a manager.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge {$9.00} unable to reach XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$89.00} unable to reach XX/XX/XXXX XXXX XXXX XXXX charge {$6.00} unable to reach XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$69.00} the last charge on XX/XX/XXXX was after I started the investigation and my account was frozen we werent even able to access our funds through any venue at all we were locked out of our account from XX/XX/XXXX to XX/XX/XXXX so how did we charge the XX/XX/XXXX charge? it was denied as well as all the others listed above. XXXX advised that we couldn't get a final answer for investigation until I signed documents of transactions i received those documents on the evening of XX/XX/XXXX and sent them back via email at approx XXXX that same day. we received the letter of determinations and denial of refund on the XXXX in the mail but the date on the letter was XX/XX/XXXX. There were multiple other issues with XXXX as well to include they lied to me about my account info I authorized my wife permission to speak with them on numerous occasions and was told it was noted in the account but it wasnt Jovy a cust. rep stated we didnt even have an account we debated over that for an hr. I did not authorize these purchases in any way shape or form. I believe that XXXX did not investigate my claim as advised. I just want the money that was taken from me returned that is it. I would appriciate any help I can get at all thanks
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| 12/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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Around XXXX of 2016 I applied for a loan and was denied because they stated that I was behind on my auto loan with 5th 3rd bank. I stated that I was not, so I called them up and they stated that this was because they put insurance on my vehicle. I informed them that I have always had insurance. As I am an insurance agent. So she stated that she would get it all corrected and have a letter sent to the credit bureau fixing the situation. Then the next month I get a letter stating that I was delinquent in my account. So I again call up and finally speak with XXXX XXXX who says no it has n't been corrected to please email copies of my insurance XXXX pages. I do ask instructed, after a couple hiccups I get an voice mail message from XXXX XXXX stating that everything is correct and that I actually do not owe anything until XXXX XXXX. I call back and verify this with him again. Then I wake up on the morning of XXXX XXXX, 2016 to find that my car is missing. I call the police where I am informed that it has been repossed. I have to wait until XXXX to get anything started. I call the bank and they tell me that I owe back money and I am not even allowed to talk. I keep getting over talked and told over and over that they are going to hang up the phone on me. I finally get to say what is going on they state they will have to do research but do not make any indication that they are going to make this a high priority since it was their error. I ask for a manager to call me back. I was told one would in 15 to 20 minutes later. We are over 24 hours and still no return phone call. After another round of phone calls at almost XXXX. I am told that they have figured out that this was in deed a " bank error '' but that they can not guarantee that I will get my car back today. When I stated that this was not an acceptable answer as my husband and I are both out a days pay due to this we could not have this go into another day. I was speaking with XXXX employee number XXXX who kept stating that he was doing me a service in helping me get my car back from it being wrongfully repossessed. Again he talked over, and down was very insulting during this phone call and hung up on me. I called back and asked to speak with the supervisor where I was told that they were the highest level of authority that I could speak to. I finally was able to talk with a supervisor XXXX XXXX, who was the first XXXX in all the day who treated me with any kind of decency. He told me who he was first and last name, his direct contact plus department line and made sure that I knew every step he was doing to get my car back as it should of been. I have never been made to feel so violated in all my life as I was by this experience. The bank had all the power over something that I had worked so hard for and have been making payments on for years ( I only have about 8 months of payments left ) and then to top it all off to be made to feel like no would listen to you nor be even a little empathic towards what it is you are going through or to even put on a front as to that they want to right a very big mistake.
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| 02/12/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On the morning of XX/XX/2019, I logged into my online checking account with Fifth Third Bank to realize that I had a negative {$100.00} balance due to an overdraft charge in the amount of {$140.00}. In an effort to resolve this situation I called Fifth Third customer service, in which I was told that the {$140.00} in overdraft charge was made up of five ( 5 ) separate {$30.00} overdraft fees on my account. Further, the representative informed me that I was only able to receive two ( 2 ) credits back totaling {$60.00}, which was their company policy. Very upset by this, knowing Fifth Third was going to keep {$90.00} of my money due to the proposed resolution, I asked to speak to the representatives supervisor in which I received the same correspondence. Still not satisfied with my resolution, I asked to speak to the supervisors manager, in which I was then informed by the manager that he had the ability to give me back my credits in full but said he would not past the two totaling {$60.00}, meaning Fifth Third was keeping approximately {$88.00} of my hard earned money! I asked the manager to make a good will exception to this and refund the total {$140.00} but he impolitely refused. So, as of this complaint, I have not received any credits, was promised I would receive two credits totaling {$60.00} tomorrow, and the remaining {$88.00} will never be returned.
After being on hold for over 25 minutes throughout this entire situation, I re-explained multiple times that this situation was due to a deposit/withdrawal timing issue with my account ( I recently closed my old checking account and opened up a new account approximately 3 to 4 weeks ago, in which a lot of my auto withdrawals and autopay bills needed to be re-setup ). Additionally, this issue was also due to the fact that no one ever informed me nor asked me if I wanted to be enrolled in over-draft protection. I was under the impression that I always was enrolled, but the manager told me I was not and that it was not their responsibility to do so. If I was enrolled, I would have had my savings funds available to cover the overdraft ( which I had plenty to cover at the time of this error ). To make sure no more fees take place, I have had to transfer money from my savings account to cover the balance ( making my new balance + {$97.00} ), considering the rude manager did nothing to help me and actually told me he had the ability to do so! I am extremely upset because if you look at my checking account, as of this morning ( only being a manner of a couple of hours ), the ONLY reason my account balance is negative is due to these egregious fees. A grace period or good will adjustment would have fixed this problem. I have been banking with Fifth Third for approximately 15 years and have never been treated this poorly. Further, since Fifth Third Bank has not ever asked me / enrolled me in auto-draft protection, I believe I have been treated in an unfair, deceptive, and abusive manner. This situation is honestly another situation where a Bank is taking advantage of the everyday consumer, which is NOT okay.
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| 04/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We placed our mortgage with Fifth Third Bank on forbearance XX/XX/XXXX through XX/XX/XXXX, we started to pay our mortgage again in XXXX of XXXX with additional funds to make up for the months that we missed. In XXXX of XXXX we completely caught up the amount that we owed. We in XXXX of XXXX received a collection call from Fifth Third Bank and they stated that we were past due, at that point all monies were paid in full. In the end of XX/XX/XXXX Fifth Third Bank reported us 120+ days past due reporting us late on payments from XX/XX/XXXX through XX/XX/XXXX and that dropped my credit score over 100 points. I found out about the credit reporting while trying to secure an auto loan.
We pay everything online with Fifth Third Bank, we received no information from Fifth Third Bank on our forbearance period timeline online or by mail. They will confirm this, one of the many Fifth Third Bank representatives that we have talked to about this issue told us that the information about our forbearance would be on page 3 of our online statement. While on the phone with her she walked us through how to find the information and confirmed that it was not on any of our statements.
The reason we received no written information about our forbearance is because they had the incorrect contact address. They ( Fifth Third Bank ) say that when my wife changed the contact information on this loan that we share that they only changed her information and not mine and that they only send information and only contact the primary co-loan holder and not the other co-loan holder. They never sent the forbearance information to the address of the property on the loan either. We have asked for a copy of this letter and have been told twice that the letter would be sent to us, it has been 2 1XXXX months since we were first told that we would receive a copy of the letter and we have yet to. We were recently told by another Fifth Third Bank customer service person that we needed to make a decision on repayment options for this forbearance on XX/XX/XXXX, that this information was in the communication that we never received and they verified that we never received. We on our own repaid the entire forbearance on XX/XX/XXXX. All monies owed were paid 12 days after this repayment decision date that they say we had.
We thought we were paying our forbearance early by starting the payments early, we paid off the entire amount with in 30 days of when it was due on our own with no guidance, they were paid in full 12 days after the forbearance repayment option date and yet to them we are 120+ days late because we apparently missed a date that they only knew of. We have no late payments on any of our credit until this reporting, we always pay on time and now we are considered seriously delinquent and reported as such.
We have been told by the latest Fifth Third Bank representative that they will not remove the 120+ days late from our credit report, he will not let us talk with or be given his supervisors contact information and that we can no longer escalate this with Fifth Third Bank.
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| 12/29/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX, {$2500.00} was fraudulently transferred from my son 's 5/3 Bank Account to my wife 's 5/3 Bank account - and the then 2 amounts totaling {$1000.00} were fraudulently transferred by XXXX to XXXX XXXX ( XXXX ) XXXX with payment ID XXXX and XXXX. I immediately contacted 5/3 bank that day to dispute the charges. I was told that I could not dispute them until they posted to the account - and to call back once they posted. They came out of pending status and I contacted 5/3 Bank again and filed the dispute. The claim number is XXXX. I was told the investigation takes 10 business days and that they need the 10 days to " try to get the money back from XXXX ''.
On XX/XX/XXXX, I contacted 5/3 and was told by a member of the Dispute Team named XXXX that my fraudulent charge claim was denied because I replied to a text about the charges with an authentication code. According to XXXX, this charge would not have been allowed to go through unless I responded to the text message with the authentication code. According to XXXX, this code was sent to my phone number ending in XXXX and was responded to at XXXX. I collected all of the phone records from XXXX XXXX and reviewed the time in question. No messages were received or sent in that time frame from 5/3 or anyone else. I filed a dispute with 5/3 and emailed them my entire text message record as well as screen shots from my phone, clearly showing that no text messages were received from 5/3 and at no time did I ever send a verification text to 5/3. I was told they would need 30 business days to investigate.
As of the 30th business day I had not heard from anyone. On XX/XX/XXXX, I received a letter from 5/3 dated XX/XX/XXXX. The letter stated that my dispute was denied. The letter concluded with the line, " Please let us know if you have questions or would like copies of the documents we used in our research. '' On XX/XX/XXXX I contacted the dispute team and asked for copies of those documents. I was told by XXXX that there are no documents and what I received was a form letter. When I challenged this, she transferred me to her supervisor, XXXX, who confirmed that there is nothing they can send me documenting the investigation process or what specific proof they are basing their denial on. She suggested I go to the branch office and they may be able to let me look at their computer and see the outgoing text message that was sent to verify the transaction and the alleged verification that came back from me. I assured her that, having been in a 5/3 branch office, I was certain that no one there would do this for me and they certainly would not let me sit behind their computer. XXXX said that she would send a request back to the investigator to see if they could produce any documentation and that I could call back in 2-3 business days to see if she was able to obtain that. Each call is between 20-30 minutes on hold before I can speak to a member of the dispute team.
It's obvious that 5/3 will continue to drag their heals and have no intentions of returning my money. Please help!
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| 07/05/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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On XX/XX/XXXX, on behalf of a non-profit organization, I opened an account with XXXX for processing credit/debit card payments. I purchased a device, called XXXX XXXX XXXXXXXX XXXX from XXXX and got it connected with the new account we opened at XXXX.
On XX/XX/XXXX thru XX/XX/XXXX we used the card reader and accepted credit card payments totally {$4900.00}.
On XX/XX/XXXX, I received the following email from XXXX : Unfortunately, after a full review of your account, we are unable to provide your business with our services. This decision was taken in accordance to Part 16.1 of the XXXX Terms and Conditions which you agreed to during the application process. This can be found at XXXX XXXX XXXX
On XX/XX/XXXX : I called them to inquire if they need any additional documentation, and the reason of their denial. They said, they CAN NOT GIVE ANY REASONS, it is their final decision. I asked them to deposit the money collected into the bank account of the organization that I had given while opening the account with them. I also noticed my access to my account at XXXX had been BLOCKED.
Then on XX/XX/XXXX, I get an email from them with the following message : After a full review of your account, we are sorry to inform you that we wont be able to provide you with our services. This closure is in keeping with Term 16.1 of our Terms and Conditions, which can be found here : XXXX XXXX XXXX. Due to the rules and regulations of our financial industry partners, we are unable to disclose any additional or detailed information as to why a specific account is closed. Because of this, our decision is final and there is no appeal process. Regarding the current transactions pending on the account, we can either refund the remaining balance to the cardholder or keep the funds on hold for 6 months. Please reply directly to this email with your decision.
On XX/XX/XXXX : Within a few minutes of receiving their email, I replied saying : We have already sold goods, so please deposit all the collected money into our checking account.
They have not replied to my email. I have called them twice and they keep saying that they can either refund the remaining balance to the cardholder or keep the funds on hold for 6 months. I repeated asked me that we have sold the goods, and we need to get the money. If they need any additional documents, we can provide. They are NON-RESPONSIVE and NOT GIVING us the {$4900.00} collected.
On XX/XX/XXXX : Not having received any response to me email, I called them again and spoke to XXXX and told her we need the funds credited into the non-profits bank account, otherwise I will report to government agencies. She was going to check with her team and get back to me in an hour. But have not heard back from her or anybody. I had told her that we have sold goods, and we need to get the money. If they need any additional documents, we can provide. They are NON-RESPONSIVE and are NOT GIVING US the {$4900.00} collected. I notice on XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX that other people had similar issues with this company.
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| 11/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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I am writing to formally lodge a complaint against Fifth Third Bank for the egregious mismanagement of my mortgage escrow account. This letter serves to highlight the sequence of events that have not only caused significant financial distress but also reflect a gross negligence on the part of the bank.
Fifth Third Bank, after acquiring my loan from a previous lender XXXX of XXXXa transition over which I had no control or sayfailed in their fundamental duty to inform me of critical changes to my escrow balance. I was kept in the dark when my escrow account went into a negative balance when the Property Taxes were paid XXXX of XXXX. This lapse in communication is a blatant disregard for the duty of care owed to their customers.
Adding insult to injury, the bank continued to collect an incorrect ( {$2100.00} ) amount for escrow for an entire year, exacerbating the deficit in my account. Again, I was met with a disconcerting silence from FifthThird Bank ; no attempt was made to inform or consult me about these developments that I should be paying {$400.00} more monthly to adjust for the new tax assessment. It is not only unprofessional but also unethical to keep a customer uninformed about such critical financial matters.
The culmination of this negligence has resulted in a sudden and unreasonable demand from the bank for me to pay an additional {$1100.00} per month to rectify their mistake. This expectation, delivered XX/XX/XXXX with a mere 30-day notice, is not only unfair but also financially burdensome.
Furthermore, I suspect this lack of communication regarding the property tax rate change and the corresponding increase in my home 's value was a strategic move by XXXX and Fifth Bank. By not acknowledging these changes, the bank conveniently avoided reaching the 80 % loan-to-value threshold that would necessitate the discontinuation of mortgage insurance. The omission of said mortgage insurance would have rectified the deficit created by this egregious oversight. This action, or lack thereof, suggests a deliberate attempt to profit at my expense.
I am compelled to point out that such burdensome financial tactics can lead to devastating consequences, including the loss of homes. This is especially concerning in beach communities where the demographic is predominantly white. The actions of Fifth Third Bank, I fear, may be part of a larger, more insidious agenda to keep XXXX families out of these communities.
I am sure that I am not the only customer who has suffered due to these practices. This situation raises serious concerns about systemic discriminatory practices that could be affecting many other homeowners, especially in minority communities. It is imperative that the Consumer Financial Protection Bureau investigates Fifth Third Bank not only for their mismanagement of escrow accounts but also for potential discriminatory practices against minority homeowners.
This entire ordeal has not only created a financial hardship for me but also significant stress and inconvenience in my time I can never get back.
|
| 11/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
This complaint is a continuation of the following complaints that have been closed without resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I personally appeared at Fifth Third Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida to close my accounts XXXX I met with a banker that handled the transaction. The accounts were closed and funds were disbursed to me by Cashiers Check. The reason cited for closing the accounts was an inability to access the accounts online and having to appear in person at the branch was inconvenient. Two previous attempts to gain online access took an inordinate amount of time and required working with IT. In an attempt to retain my business, I was offered a higher interest rate, but declined, stating that an inability to access my accounts online was both an imperative and a deal breaker ; Fifth Third Bank had been given sufficient time to resolve the issue, to no avail.
On XXXX XXXX XXXX, unbeknownst to me, a transfer was initiated in the amount of {$150.00} from my XXXX XXXX account to be deposited into a CLOSED Fifth Third Bank account. Repeated phone calls over the course of several days resulted in several managers at Fifth Third Bank vehemently denying that they had initiated the transfer, cited the fact that the account had been closed and that they would not have initiated a transfer to an account that a customer had closed. They claimed that the transfer had been initiated by XXXX XXXX, and that perhaps they were unaware that the account had been closed. At the same time, XXXX XXXX denied initiating the transfer. Fortunately, the mystery was solved with the discovery of an email in my spam folder that identified Fifth Third Bank as the initiator of the transfer.
I contacted XXXX XXXX Bank seeking advice on how to prevent FUTURE transfer to this closed account and they advised me to place a stop payment on the account, preventing Fifth Third Bank from unauthorized transfers. I followed their advice and placed the stop payment on the XXXX XXXX account. This was done AFTER the transfer had been made, not BEFORE, and this is where Fifth Third Bank conflates the facts.
Fifth Third Bank claims that no transfer took place due to the stop payment placed on my XXXX XXXX account. However, I would not have placed a stop payment on the XXXX XXXX account without having experienced this chain of events that lead me to this pont as there would be no reason to do so.
It was discovered that Fifth Third Bank REOPENED this closed account to initiate an unauthorized transfer from XXXX XXXX. Additionally, Fifth Third Bank has refused to CLOSE this account allowing it to accrue exorbitant overdraft fees in the amount of {$87.00} while demanding payment of {$150.00} for the transfer they claim they did not receive and for which they have failed to submit evidence of funds having been returned.
This issue has not been resolved. Fifth Third Bank simply continues to reiterate the same inaccuracies without providing any documentation to support their claim.
|
| 11/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XXXX, I discovered ten fraudulent charges that had posted to my checking account. I called the phone number listed in the transaction ( XXXX ) the representative stated that these were international charges for the purchase of online gaming. There were nine charges of {$82.00} and one charge of {$66.00} for a total of {$810.00}. I informed the XXXX rep that I did not make these purchases and that they were fraudulent. Through my credit card number, she was able to discover that someone had created a bogus account using my credit card. The card was blocked and she advised me to contact my bank ASAP to shut down the card and advise them of the fraudulent charges. I called 5/3 Bank Dispute Department and spoke to XXXX. I told her that these charges were fraudulent and that I need to dispute them. She stated that she could not start a dispute until all the charges posted to my account. This would not only put me in a serious overdraft situation, but I would also incur hundreds of dollars in overdraft fees. She stated that it would take at least 8 days to resolve this dispute. I told her it does not make sense for XXXX to let fraudulent charges post to a customer 's account and cause the customer to be out that amount of money PLUS overdraft fees just because some criminal stole my money! In the past when I have filed a dispute for fraudulent charges, XXXX would immediately credit the amount back into my account, THEN start an investigation into the charges. They would send a letter to me stating that they are investigating the disputed amount but that if it is found that the charges were not fraudulent, 5/3 would take the money back that they had previously credited to me. I don't know when or why they changed this policy. I have bills to pay NOW and 5/3 is holding my money hostage and is not giving me a choice but to be at their mercy They are not protecting me as a customer or my money. $ XXXX may not be a lot of money to some, but it is MY money that I worked hard for and I need it to pay bills. I am a XXXX XXXX but I am off work due to Covid so I am already struggling financially. If I don't pay my bills, I will have late fees on top of everything else. If I DO pay my bills, my checking account will overdraft and I will get charged fees. 5/3 has put me in a lose-lose situation and is essentially saying " too bad-you have to play by OUR rules ''. I even spoke to a supervisor named XXXX who told me the same thing that XXXX did. She said I could file a complaint but it would not change their way of doing things. Regarding any overdraft fees, she said I would just have to call 5/3 AFTER the dispute is resolved and have those reversed.
What??? I should not even be put in a position to overdraft and wouldn't be if someone hadn't stolen my money and if 5/3 would not let the fraudulent charges post to my account!! I am being penalized for someone stealing my money. This way of business is unacceptable. I know if they are doing this to me, they are doing to a million other people too. Someone needs to put a stop to this.
|
| 11/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I originally filed a dispute back in XXXX of XXXX. When the dispute originally started it was denied the reason being that I was missing charges that the bank believes were fraudulent. So I went back through my statements and found any issues that would have cause an issue. Due to the amount of items it was XXXX case but Fifth Third CHOSE to split these into XXXX cases. So instead of having XXXX issue of fraudulent activity they split it into XXXX. Mind you the accept the disputed transactions and give me XXXX out of the XXXX cases. I go through my records and notice that there is still money missing. So I call back to figure out whats going on. They tell me ONCE AGAIN, that I need to go back and check. I said no thats the same excuse you all gave me when we first started the dispute thats not it. Next thing I know lady tells me hold on comes back tells me my money should be there in XXXX business days. It was. So now were at XXXX out of XXXX. But there is still XXXX left for the amount of {$2700.00}. After speaking with representatives on the phone whilst I am sitting at my local branch with the bank manager. I have it on speaker so that the bank manager can hear. All the while the rep is spewing non-sense the bank manager is shaking her head telling me that its XXXX XXXX. The rep told me that the reason for not receiving my last XXXX is because there was a transaction for {$220.00} that I had not disputed. Meanwhile she puts us on hold and me and the bank manager print out my statements and begin to go over them to see what I have missed. As me and the manager go over the transactions we pause and stop. The transaction in question that they were supposedly waiting on was already disputed. Me and the bank manager both noticed it and informed the rep. The rep then states that she is reinstated the claim which takes another XXXX XXXXays. Mind you this claim has been reinstated about 3 times for non-sense. With the same excuse of you need to add more charges. Mind you, they closed the account after giving me my money minus the XXXX. Theyre saying its high risk etc, which is odd considering ALL these charges have been disputed since XXXX, if I was high risk why not close the account back in XXXX? Because I had XXXX of thousands of dollars in the account. When this XXXX XXXX occured I immediately took it out. Now closing my account is fine once you give me my money back. I opened this account with a near XXXX check, ive not taken a loan and I dont owe this bank a single penny. Theyve given me every single penny except these last transactions and when I ask why where told its a transaction we are missing. Then we go over it with the BANK MANAGER and even she says no, this is some XXXX XXXX they need to give you your money. As the bank manager is my witness, If I dont receive my money and or response. Im continuing with legal action and XXXX will be charged for my attorney fees in full. As well as the XXXX months interest, and any loses Ive acquired due to the lack of my XXXX. Lets play ball attorneys are heavy hitters
|
| 04/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage provider in 5/3 Third. The bank refuses to communicate any payment issues due to changes on the bank side in a timely manner. I think it is deliberate to drive payers into a situation where they end up with a late payment for a negligible variance amount allowing the bank to slam the payee credit score with a late payment reporting.
I made my normal bill payment for XXXX to the bank over paying the mortgage amount. ( Mortgage payment XXXX, my bill payment sent XXXX ) I had not received an escrow adjustment notification in the mail alerting me that the payment would be changing in XXXX. For the life of my mortgage with 5/3 i have had routine issues with their website typically forcing me to call in a reset a couple of time a year and it is why I do XXXX XXXX from XXXX XXXX and not through the 5/3 account system.
When I logged in at the end of XXXX to download my documents for my tax preparation I noticed that I had an unapplied credit for XXXX. I messaged with customer service and looked at the only account alerts which included the password resets. Looking through the documents i found the escrow annual escrow review with the new payment amount of XXXX. This resulted in a variance of XXXX. I made the variance payment online but the customer service rep informed me the XXXX payment would still count as late because the payment would not credit until the next business day XXXX.
For the entire month of XXXX XXXX did not leave me a phone message, did not put an alert on my account, did not indicate there was a payment discrepancy on my account. Now they will stick a notice on my credit report of " not more than 2 payments behind '' which is a lie in itself because they will be including the XX/XX/XXXX payment in that credit reporting to do absolute maximum damage.
They have also held the mortgage payment of XXXX unapplied allowing interest to accrue on the principle that could have been paid. My escrow is currently in credit balance. This late payment variance is for the increase in escrow to be applied to an escrow account that is not currently in the negative.
5/3 will claim they tried to call but their call attempts come from unknown numbers that are dead air when you answer. You literally have to keep a dead line open for 45-60 seconds before someone actually picks up. I think this is a shady way to ensure the customer they are trying to reach disconnects because they think it is a robocall. I went through this with them the last time they pulled this stunt. They claim they do not leave messages on voice mail for customers. Regular US Mail is usually delayed for me because I am working outside the US, again I had this discussion with them. If I do not get a voicemail message or email or have the information showing in the accounts I will not get it in a timely manner that allows me to respond. I would expect they would at a minimum keep up the online account with alerts and notifications if they actually wanted to ensure the customer was aware of changes to their account or payment issues.
|
| 06/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XXXX I contacted Fifth Third Bank @ XXXX XXXX. and spoke w/ XXXX and informed him of an unauthorized charge of {$250.00} from a hotel. He said that there was not a charge showing yet but not to worry it would not be charged to my card. However. 2 days later it was charged to my credit card. I did not see it until I remembered to check my online account on XXXX and I immediately sent an email to the bank President. On XXXX @ XXXX ; XXXX XXXX. I spoke with XXXX from the office of the President, and she said that she could not see the case number, which I found to be strange. However, she told me that they did not have the ability to block a charge from a vendor once you have used them or entered into a contract and asked if XXXX suggested to me to cancel the credit card and I told her no he sure did not and in fact he assured me that my card would not be charged, so this is the bank 's fault. She said that she would have someone contact me by Monday, XXXX, but I only received a letter dated XXXX stating they initiated a review, which was the same day they finally put the money back on my card only to charge it again on XXXX. They have refused to refund my credit card, when it is their responsibility to protect it against fraud and unauthorized charges. The charge was made by XXXX XXXX XXXX XXXX XXXX XXXX. The room was booked as a smoking room on XXXX to XXXX. The hotel clerk ( XXXX ) did not tell me upon arrival that there no smoking rooms, because I never would have checked in. However, they have lied to the bank and said that they had signs posted and it was posed on their website. I did not book on their website, but instead booked on XXXX. I do not smoke but I like to burn incense to get rid of the stale smell of hotel rooms, therefore I book smoking rooms to avoid being accused of smoking. However, this room smelled like smoke when I arrived and I could not even stay in the room, so I left and came back several hours later. Also, this hotel was not even fully operational as it did not even have any televisions working. This also was not posted in the lobby or on XXXX. I never would have rented a room without a working television. Who would? However, they want you to believe that they had smoking signs posted when they were only renting out of one building. That's absurd. I contacted the facility and tried to explain to XXXX, and he hung the phone up in my face. They did not even have a working phone number listed on the website of XXXX or theirs at that time. I had to call XXXX, and they called and got the number for me. My bank wants to believe them over their long time exceptional paying customer. This is disrespectful and the MOST HORRIBLE CUSTOMER SERVICE I have ever had. They do not want to accept and correct their mistake. If their employee ( XXXX ) had not given me the wrong or bad information I would not have had to go through any of this. I have sent the President three letters. Unbelievable. I am XXXX and can not afford for my money to just be taken from me in this way or any other way.
|
| 10/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
On XX/XX/2021 I found a charge on my debit account for {$39.00} from XXXX XXXX in XXXX XXXX Fl. I called the number on my statement and it was disconnected. I called 5/3 bank to report it. Customer Service rep said she needed to shut my card down. I asked why I let her know the number was disconnected. I was put on hold and she came back to repeat to me what I had just told her.
I needed my card and requested it to be sent next day air. I paid {$30.00} to receive in 1 to 2 days. It arrived 4 days later.
When the card came I accidentally cut the new card up. I called 5/3rd and requested a new card, I also requested it to be sent out 2nd day air at N/C because I payed for my last card and it took 4 days. The rep said the card number would be the same as the card I threw out.
The card came 6 days later with a different number. I had already given the new number to XXXX, not knowing it was wrong. Meanwhile my bill was not being paid due to the wrong card number. It took a few weeks to find out that my account was behind.
I called XXXX to let them know what happened, they took the new number. XXXX sent me an e-mail was going to charge me for all my XXXX XXXX which totaled {$780.00}. When they tried to charge {$6.00} and 5/3rd closed my card down calling the charge suspicious.. The grace they had given me was no longer being forgiven since this was the 3rd time the card failed.
I went to the bank this time and another service rep told me it was my fault, that I needed to call the bank and let them know it was an approved.
3 weeks had gone by and my cable was going to be shut off, my storage unit was not paid.
5/3rd had just recently paid XXXX to a non-existent company without question, but called a XXXX suspicious to a company XXXX who Ive been doing business with for years.
They have cost me not only an embarrassing situation, but if XXXX doesnt give me a needed break, my account will overdraw and 5/3rd will charge me {$37.00} per transaction.
I have called the bank almost every day waited on hold for hours to have nothing done for me.
There will be more calls from other companies as the card denies the transactions.
My checking account was turned into an express account?? When I told the rep what was wrong, I was told thats the way it is. XXXX finally got a rep on the phone who listens and within 5 min had my checking account put back correctly, and my actual XXXX account was also back. It was just to late to stop what I am going through now.
5/3rd customer service listening skills are 0.
I was put on hold, told things to me that were not true.
I do not have the funds to pay XXXX and my rent.
I need 5/3rd to do something for me.
I had XXXX XXXX XXXX in XXXX and this stress is dangerous for me. The hard part is none of it was necessary. I amXXXX yrs old and I dont do not need to be dismissed by anyone.
To me customer service is not trained to listen and at times rude.
I am trying to change banks just need to make sure my Social Security check is transferred to the new bank on time.
|
| 09/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On Saturday, XX/XX/XXXX, I endorsed three checks for deposit into mmy checking account at Fifth Third bank, where I have been a customer for approximately 15 years. I have moved all over the country and have always maintained that banking account. I placed those checks in a special devlivery envelope for overnight delivery to my bank in Michigan as that bank does not have service in MA.
One of the checks was not dated. I failed to notice this but the bank teller did not. They did not deposit that check in the amount of {$1000.00} and instead, the teller scribbled a separate deposit stub ( which was completely illegible ) and mailed the {$1000.00} check back to me. By regular mail. The teller said she attempted to call me twice about the date of the check. That is not true as my cell phone, the only phone I have, did not record any missed calls.
The bank mailed that check back to me, knowing that a scheduled withdrawal was about to occur, which would reduce my bank balance to close to XXXX. They mailed it back using the slowest possible mailing method, so that other scheduled withdrawals would bounce and so they could charge me $ XXXX/per bounced check.
When I called to complain, I was escalated up the chain of command until I spoke to someone named XXXX, whom I told I did not think I should be charged overdraft fees when that happened, as it would be their fault, not mine, that my account would be overdrawn.
XXXX then proceeded to lecture me on being an irresponsible customer, and that I should not be scheduling withdrawals for money that was not yet in the account, and that this was therefore my problem, not the bank 's problem. That legally it is MY responsibility to see to it that money is in the bank before I write any checks on that money, failing to note the irony of his statement. I had done what was necessary to have money in the account and his bank was seeing to it that it was not placed into the account, with an incentive for themselves as it allowed them to make quite a lot of money in overdraft fees. There is responsibility for me, but not for them apparently I asked whom else I could complain to, and he said he was as high as my complaint would go, because his supervisor did not have " face-time '' ( i.e. contact with the peasantry ) in his job description. I find this utterly appallng. XXXX XXXX, the CEO of Fifth Third bank just experienced a multimillion dollar raise in pay, no doubt composed of an awful lot of overdraft fees engineered by his bank.
So now, according to XXXX, I have to wait 7-10 business days for the check to be returned to me, and must then date the check and redeposit the check ( by express mail if I wish to minimize overdraft charges ) and Fifth Third bank will profit from the entire procedure by an unknown number of dollars in these over-draft fees. I believe this is highly unethical and clearly not customer service oriented. Their attitude in speaking to their customers is condescending and rude. They ought to assume this overdraft responsibility, not me.
|
| 11/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
First things first I had thought I had switched from doing monthly payments earlier this year to auto-deduction-style for my auto loan with XXXX XXXX Bank. I was mistaken in this assumption from my conversation with them and once my scheduled payments ended my loan payments went late.
During a lapse in my payments to XXXX XXXX Bank for my automotive loan instead of calling me on my personal cell phone number which they had on file and which I had their number saved, they called my work phone number repeatedly from numbers that are not registered to XXXX Third bank. Since it was my work phone, I let all non-work related phone calls go to voice-mail and I call them back at a better time, however all numbers came up as well documented spam when researched, when called back were all non-functioning and I could not find out who called. Most importantly they never left a single message in voicemail in their attempts.
They did tell me during my discussion while getting my account in good standing that they had sent me physical mail, however they all came in the same packaging as my payments had the prior 4 years of my loan, so I either did not open them in thoughts there was nothing out of the ordinary, or possibly a few of them were stolen ( XXXX, WA mail theft is astonishingly high this year ).
Unfortunately the damage was already done, my vehicle was repossessed, and I was charged exorbitant fees in which to get my vehicle back. A good example was the repossession fee of over {$500.00} when the actual bill for the repossession ( I saw it on the towing company 's desk ) was only {$280.00}. The gentleman from XXXX XXXX XXXX was a fantastic man to deal with ( although unfortunate that I had to work with him in the first place! ), however I did feel somewhat wronged by the differences and price gouging in their setup. These few dollars almost made the difference of me getting my vehicle back or losing it permanently.
Here is my call log below with the information i received when I called the numbers back. As well as their ratings online, and how many times they called me on each day. ( apologies for XXXX spreadsheet formatting here ) " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX " The number you have reached is not in service, this is a recording '' - XXXX " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX XXXX Spam rating of 80 % online, XXXX , IL Called : XXXX XXXX 5 hrs diff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spam rating of 80 % online, XXXX , TX Called : XXXX XXXX XXXX XXXX 1 hr diff XXXX XXXX 2.5 hrs diff XXXX XXXX XXXX Spam rating of 100 % online, XXXX XXXX , MO Called : XXXX XXXX XXXX XXXX 31 min diff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spam rating of 70 % online, XXXX , NC Called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Calls for 1 month : XXXX
|
| 02/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Engaged merchant to remove squirrels from inside my chimney and entire yard. Merchant placed trap and camera and promised to catch and remove squirrels until all were gone. After several days no squirrels were caught. Tried to contact many times over several weeks to resolve the situation to no avail. Discovered over this time merchant was rated F on XXXX and had many complaints of the same nature. Also discovered merchant was being investigated by the State Fish & Wildlife for not following wildlife laws and regulations, and there had been several negative news stories regarding the illegal/unethical business practices of this merchant. Ultimately, had to hire another merchant to remove all the squirrels which they did effectively in less than a week. Filed dispute in early XXXX with bank to receive credit back on my credit card for fees paid in advance to the first merchant who never provided the services promised. After first providing my dispute with the bank 's Credit Card Dispute Department via phone in early XXXX, subsequently had to file again in writing along with other supporting documentation as requested later by the bank. Bank sent letter on XX/XX/XXXX stating they were denying my dispute because they had received documentation from the merchant " that shows disputed services were provided '' and stating they enclosed a copy of this information for my review ( which they did not ). It took many attempts ( many hours and calls ) over several weeks to subsequently receive the information the merchant had provided to the bank, but which wasn't received until the end of XX/XX/XXXX. After reviewing the merchant 's information it was clear that there was no proof provided that services were ever provided. I provided my responses to the merchant 's documentation on XX/XX/XXXX which again summarized my dispute, the evidence that I provided and the proof I provided that services were never provided, and pointing out to the bank that the merchant 's information did not speak to whether or not services were provided as they had stated, and based their denial of my dispute upon. The bank 's whole dispute process is flawed, with difficulty in filing a dispute, determining the status of the dispute, and the overall ability to effectively communicate with the people reviewing and making decisions on the disputes. Their response times and follow up are awful, transparency is nonexistent, attention to detail is inadequate, and their personnel have been very unprofessional. Overall, their dispute process is not at all customer friendly or customer oriented in any way. Finally, I would note that at the time I originally filed my dispute over the phone, the bank employee indicated that yes they have had a lot of other customer disputes with this particular merchant. If true, than even more frustrating considering the amount of evidence that I had provided proving this merchant had not provided the paid for services as promised, as well as evidence of the merchant history of fraudulent business practices.
|
| 01/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
i have had a mortgage with fifth third since XXXX. I have never been late with a payment. My house was for sale & I was supposed to close on the XXXX & title transfer on the XXXX of XXXX. The title company made an error & did not do their work timely so I went to another title company. Apparently they did request a payoff on the XXXX unbeknownst to me. The sale closed on XXXX XXXX a week later. The bank is now saying because they received the payoff they can not refund my money for fees that were charged in error. When we requested the payoff the number was different than what i received over the phone. There was a vacant home inspection fee for {$270.00} that was put on the account on XX/XX/XXXX. I have been calling & talking to customer service & deliquency departments. At first no one had any idea what the fee was or where it came from. I got to a manager who said she would look into the matter & when she got bak to me she said they agreed it shouldnt have been charged & will reverse it & refund the money. In the mean time fifth third received the $ to pay off my loan.
I just called again today XX/XX/XXXX because XXXX XXXX who had told me all THIS has stopped returning my calls. I had called her yesterday & left a message as i have done the last 2 months. I got to to another manager who escalated it ( like they did 2 months ago ) handed it off the the cares team & supposed to get bak to me in 2 days. In their notes she says it states they cant give the money bak because of the payoff. One has nothing to do with the other. They refunded {$10.00} after the payoff so that argument isnt valid. They charged fees that werent valid. They were notified & agreed & said they would reverse & refund & now are denying that & wont do what they said they would. If that was a problem I would not have had the payoff sent until i got my money bak which was a concern at the time but they never said it was a problem. Based on the timing of things it seems that they got a payoff request & used underhanded deceptive practices to hit my account with some fees before I left to get just a little more money out of me.
Their practices seem to be not consumer friendly or legitimate. If your payment is due with a 15 day grace period why would you send a letter stating the loan is delinquent & payment is late before the grace period has ended? These letters start a whole bunch of activity that isnt true or valid. They then hit you with fees to collect more money for an issue that doesnt even exist! This happened once before when i made a payment for the wrong amount. The difference was less that {$4.00} & the same process happened. I was able to reach someone who saw I had been a customer for 25 years & never been late. They should not be able to do this to people. No less the amount of time spent to rectify something that never should have happened is crazy. Takes half an hour just to reach someone!!! Fifth Third is a horrible bank with deceptive practices, horrible customer service & steal from their customers. Shameful
|
| 08/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
on XX/XX/2017 my wife and I were approached by XXXX through my phone ... they told us that they were in business with XXXX XXXX and that SXXXX XXXX gave them our Information ... So they went on to say that they could have us get inventory through Thousands of Manufactures..without paying XXXX stocking fees , and XXXX said the Manufacutures dont get paid until you get paid ... .that was the first lie we later found out that we paid the money upfront when a customer purchased IN OUR STORE THROUGH XXXX ... .so we had to pay for product first through XXXX website before XXXX would even consider releasing the money ... and then when we paid upfront throgh XXXX the manufacture got all their money ... and we had to wait to be paid through XXXX to release the money to us ... XXXX lied and said they had online Coaches that were their to train us ... said we could easily make XXXX plus a month ... said Because your With XXXX XXXX ... were here to help you to Suceed ... we had no one to help us with learning the program after we paid XXXX to XXXX ... .And as we speak we have sold only 1 product ... NO training, and so we told the credit card company FIFTH Third Bank ... they reversed the XXXX and then the following month reversed it and put it back on our card after we shared with them that we did not get the service st all that we paid for,,, We new that XXXX was doing their job at all ... they later told us to figer it out with videos that were old to learn ourselves after we paid the XXXX ... .Their attitude totally changed..so we were forced through Fifth Third Bank to pay the money ... .and so we later found out that their Manufactures dont have a lot of supply of product they may have 8 items but there may be thousands of sellers downloading that same 8 items in their store on XXXX ... so when a client did want to purchase i was told that the product was gone no longer available and this will get us shut down quickly with XXXX ... look at all the XXXX reports of the people who filed on XXXX ... we told FIFth third please put back on card but we were denied ... .SO just recently these same people were indorsed by XXXX XXXXk and of coarse XXXX XXXX HAVE BEEN SHUT DOWN AS OF XXXX XXXX ... FTC CAME IN AND CONFISCATED THEI ENTIRE SCAM ... XXXX WAS ON THEIR WEBSITE FOR ALL OF XXXX XXXX CLIENTS ... THEY XXXX WAS ENDORSED BY THESE THIEVES XXXX XXXX ... SO I INFORMED FIFTH THIRD ABOUT THE RECENT HAPPENINGS..AND WE WERE TOLD ... THATS A OLD CASE AND THERE IS NOTHING WE CAN DO ... AGAIN I SAID NO THIS IS FRAUD AND SO THATS WHEN FIFTH THIRD SAID WE WILL LOOK INTO IT ... BUT I HAVENT HEARD AT ALL FROM THEM ... NO WE WERE RIGHT IN XXXX OF THIS YEAR WHEN WE CALLED FIFTH THIRD TO SAY PLEASE THERES SOMETHING NOT RIGHT WITH COMPANY WE ARE NOT RECEIVING THE SERVICES THAT WE PAID FOR ... AND NOW TO KNOW THEY WERE IN WITH XXXX XXXX XXXX WHERE WE INVESTED IN XXXX FOR XXXX XXXX XXXX ... AND THEY RECOMMENDED XXXX ... .NO RED FLAG AGAIN ... RED FLAG OUR GUT FEELING WAS RIGHT MONTHS AGO ... GIVE US OUR CREDIT BACK ON CARD ...
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| 10/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Between XXXX thru XXXX I had an excess of XXXX declined transactions that were captured after the soft declines took place. I having fund 's, wasn't able to make purchases from an online casino. Assured the declined transactions would fall, they were captured instead.
And the snowball came rolling, as I opted OUT of overdraft protection and yet 5/3 Bank added fees to the declined transactions that were taken. And that piled up and piled up.
I contacted the merchant and learned that they for 24 hours locked up my card. Which had they not stolen my declined transactions that probably would be fine. But my statement read on the XXXX, XXXX XXXX XXXX of all have excessive charges and added overdrafts Bec the process of the whole swipe. I from opening my account and insisted that I a first account holder didn't want overdraft protection. That I was new to banking and could not handle or want the Open door that could lead too ( XXXX ) so I've seen and heard overdraft protection woes.
I needed the account so I opted out. Somehow they charged me fees in excessive amounts. So a {$2.00} dollar declined transaction was added XXXX XXXX in excessive amounts. Reoccurring day after day after day. The bank has treated me like a criminal and doesn't give me but ridiculous run around insist on me idk, I just know that when I leave my bank I feel stupid and they discriminate against me to a temporary card offered to " XXXX XXXX and I was told they didn't have any. I've tried to contact the merchant and that's how I learned the 24 hours locked from purchasing coin 's. So I don't understand why my bank saw the soft declines and kept my money that should have fallen to be infact recapture ina revenue recovery process. The bank just added XXXX 's of dollars on weekends yet I never let my count draw negative as it would decline if I opted for no overdraft. Because of my daily use ( never again ) the bank added fees I didn't ask for or opt for upon opening my account. So why did they add the fees? And the common courtesy of deposit my cash deposit before they added illegal fees to my account. The fact that they treated me like a criminal and discrimination towards my lack of knowledge of the master card policy and the legality of the overseas casino, and the bank allowing the declined transactions to be forced and captured anyway. Is fraud and I had no idea whom made the purchases as to my purchase was declined for detail information entered wrong try again or contact customer service. XXXX declined transactions were stolen from my account, the Bank added fees I didn't opt in for and I'm sick to my stomach over this. I need to be made whole again. XXXX and I don't know what to do. I learned a lesson or two but one should not be in the like of XX/XX/XXXX and would rather bury my money then you ever let a bank do what this 5/3 branch located in XXXX KY, at the XXXX branch on XXXX XXXX XXXX, XXXX, KY XXXX I filed 1100 disputes but they were declined because idk why? They should have protected me money from recapture, they
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| 07/04/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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On XX/XX/XXXX, I received a letter from Fifth Third Bank, dated XX/XX/XXXX. The letter was titled " We 're Improving and Streamlining Overdraft Coverage Beginning XX/XX/XXXX'' and referenced an account ending in XXXX. I do not have an account with this bank. I contacted Fifth Third Bank the next day and spoke to XXXX. I told XXXX that this was a fraudulent account and that I had been the victim of identity theft in XX/XX/XXXX in which an unknown person had attempted to open three credit cards and did successfully open a credit card, using my name and other personal identifying information.XXXX told me that the account had been opened on XX/XX/XXXX. She began to compare the information used to open the account with my personal information and everything matched - name, address, home phone, social security number - except for the driver 's license number. As I was telling XXXX my driver 's license number, she told me I did n't need to finish as the driver 's license number on the checking account was different. XXXX told me that the account would be closed and I would be receiving a letter from Fifth Third Bank that I needed to sign and return. I then received two more letters from Fifth Third. The first was dated XX/XX/XXXX and was an Overdraft Notice for the checking account - the account was overdrawn by $ XXXX.I contacted the bank again on XX/XX/XXXX and was told the account was indeed closed. I received a Final Overdraft Notice, dated XX/XX/XXXX.
In a letter dated XX/XX/XXXX from Fifth Third Bank, I was notified that the bank had " investigated the case and have determined that the accounts were opened fraudulently '' and that I was not responsible or held liable in any way with regard to the checking account. The letter also stated that under the Fair Credit Reporting Act, I was entitled to ( but not limited to ) the application and records used to open the account. Details were given as to how to request this information and on XX/XX/XXXX, I mailed a request for all information used in the opening of the account : ( how the account was opened, information given to open the account ( including the driver 's license information ), email address used, IP address if account opened online, correspondence between Fifth Third and the fraudulent email address, transactions made with the account, etc. ). I included a notarized Affidavit of Fraud, summary of all information requested, summary of the identity theft ( credit cards and checking account ), and a police report detailing the credit card identity theft. I also included the name, address, email, and phone number of the sheriff 's deputy assigned to investigate the identity theft. I have yet to receive this information. When I called Fifth Third in XX/XX/XXXX, I was told that there was no information to provide as the information used to open the account was mine. But I know a different driver 's license was used and it does not matter if the information is mine or not, under the FCRA, I am entitled to it as a victim of identity theft.
|
| 10/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
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Web |
Older American |
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I have an auto loan with XXXX XXXX Bank, not by my choice, this was the bank the dealership dealt with when I purchased my car. I have been paying on this loan, on time with exact payment needed each month, for over a year. Since the recent issue with XXXX XXXX, I decided I would like to refinance my loan through another bank. I found, what I thought was a " reputable bank '' to assist in this matter. I decided to attempt to refinance my loan through Fifth Third Bank, as they had a special of three months deferred monthly payments, which would have helped me immensely, since I am on a limited income of social security XXXX. The banker I dealt with is at the location of XXXX XXXX, XXXX, XXXX. named XXXX. I do not have his last name, but would be able to get it if needed.
When we reviewed the load refinance, the day I was there with him, he informed me I may be able to get a lower interest rate also. That was last week. Again, at the time, he ran my credit and stated that I have a credit score of XXXX, which not only allows me to be approved, but also will lower my interest rate.
I received a message from XXXX last Friday, XXXX, to return a call. He did not state on the message that it was urgent, so I did not have a chance to return the call until Monday. When I returned the call, I had to leave a message for XXXX, another back employee, as I was then told that XXXX was on vacation this week. I was playing telephone tag with XXXX, who left me a message on Tuesday that my loan HAD NOT been approved. I was shocked, as I actually saw paperwork that showed I WAS APPROVED while in XXXX office. I could not reach XXXX to speak with her directly until I tried to reach her several times on Wednesday, XXXX. At the last time I tried to reach her on this date, I again spoke with another bank teller, XXXX, who told me she left to go home early today. So I told him I needed to speak with SOMEONE TODAY. He then directed me to XXXX, who informed me that my loan has been denied, for various reason, NEVER EXPLAINED TO ME PREVIOUSLY. XXXX was quite rude, stating she was, " only trying to help me. '' I told her maybe I was being rude but I did not appreciate being told one thing and then something else entirely different the next time. She apologized, and said " the loan is not done until all the paperwork is signed. '' I told her I DID SIGN PAPERWORK WHICH WAS SUPPOSED TO BE THE FINALIZATION OF THE LOAN.
I guess no bank is worth trusting any longer. I had a home loan with XXXX, who was supposed to help those of us who had financial problems in 2008, attempting the HARP loan 3 times without success!! That was just a big farce. Now I have an auto loan with XXXX XXXX and we all know the corruption of that bank! I have my banking with XXXX, never had a problem with them, if they do something I will be XXXX for XXXX with all the big banks, NOT TO MENTION THIS ISSUE WITH A BANK I never heard of. I hope you will do all you can to assist me in this matter. Sincerely, XXXX XXXX XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX
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| 04/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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f I could give NO stars, I would!
A Terrible place to bank. It's not just that they almost always only have 1 person working, even though there are others in the bank, employees and customers. XXXX ( the asst. mgr. ) who was waiting on me, accused me of being rude because " she didn't like how I set my insurance papers on the counter '?? Huh?, So, I became rude and told her that when customers are waiting in line, she shouldn't be gabbing with customers she knows about her family issues. Now, I'm rude!. Then, XXXX XXXX, her co-worker, starts getting involved and starts telling me to leave. Now, I hadn't sworn, raised my voice, threatened anyone... nothing ... So I said... Just empty my accounts... I don't want to do business here anymore because of how you two are treating me. XXXX XXXX said several times, " I don't care '' and " Doesn't matter to me '' THEY REFUSED TO GIVE ME MY MONEY. That is the same as Fifth Third telling me " They don't care '' and they wouldn't give me my funds. What?? They threatened the cops on me. I had to drive 10 miles out of my way to the nearest 5th 3rd, just to do my business. I drained alot out of my account there.
I've had XXXX mortgages and have been a customer for over XXXX years! This is how XXXX and XXXX treated me...
But wait..
The Next day, I went back to the XXXX XXXX 5th 3rd to drain the remainder of my funds, and I have ON CAMERAXXXX XXXX XXXX calling me a XXXX several times, immediately after I told Him I drained my accounts, AND him throwing his hands up shouting " I DON'T CARE '' SEVERAL TIMES.
After I left, I went back again to lodge a complaint, as it says to do... When XXXX XXXX asked me if I had recorded her co-worker... I said " maybe ''. XXXX XXXX immediately started screaming at me to " Delete that video immediately '' while other customers were in the bank.. She lost it! Totally unprofessional. That is on the banks security cameras. She has no right to tell me to delete it. It has XXXX XXXX immediately calling me a '' XXXX '' and saying HE DOESN'T CARE. I said Not until I turn it into corporate! She then continued with her madness and included the other employees to get involved ... And called the cops! I did nothing illegal. I waved as I left. The video is getting where it needs to go. XXXX XXXX never allowed me to file a complaint. THIS is the video she so MADLY wanted me to delete.
Update : The regional manager called me and guess what, Both XXXX XXXX and XXXX XXXX Both accused me of " being vulgar '' and such... I told him ... Look at the video from the bank. They are Lying!! The entire time I was in there, I Never swore or threatened ANYONE. Until as I was leaving when they Both in XXXX XXXX tones said " Have a nice day '' laughing.
Neither were professional. Neither did their job.
The District manager spoke with them, however, when I returned to the bank for business, neither apologized for Any of the offenses I experienced.
This site doesn't allow me to download my video, but I can provide it upon request.
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| 05/28/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American |
|
My husband and I opened up an equity flexline with 5/3 Bank on XX/XX/XXXX. It had a fixed-rate lock option that could be exercised at any time during the ten year draw period. In the spring of XXXX, I called the number on the fixed-rate lock option paperwork to discuss our specific needs so the bank could help us " determine the best solution for your situation '' as stated on the document. We wanted to activate the fixed- rate lock option. The fixed-rate lock option was around 6 % at that time. Since we did not plan to draw off the flexline again, we wanted to fix the rate and avoid continuously rising interest rate only payments. We also wanted to start paying the principal down. All of this was particularly important to us as my husband was forced into early retirement during the pandemic. We have been good 5/3 Bank customers. Both our first mortgage and our equity flexline are with 5/3 Bank. Instead of giving us " the best solution '' we were talked out of the fixed-rate lock option and encouraged to apply for a new equity line with 1.99 % interest rate. We were told this was the best thing to do because in a year the country would be in a recession and interest rates would be going down. We were assured by the local branch manager that our loan would be processed quickly as long as we proceeded with the application right away. We were rushed to proceed with an application in order to get a 1.99 % interest rate that was " not going to be available for long. '' We were also assured by the branch manager that we would get the loan as we were good customers with a good credit rating. Well, the loan process was not quick and in the end we were denied the loan. By this time, interest rates had risen significantly and the fixed-rate lock option was not a great deal anymore. The thing is, we were denied the loan because we supposedly did not have enough income to afford the payments on a new loan with a 1.99 % interest rate. What nonsense! We can't afford a 1.99 % interest rate but we can afford an 8.74 % interest rate which is what we are now paying? Our interest only payments on the original equity line have skyrocketed from {$92.00} in XXXX XXXX XXXX to {$180.00} in XXXX XXXX XXXX. We are senior citizens and this is predatory lending. We should NOT have been talked out of the fixed- rate lock option in the spring of XXXX in the first place. The bank did not give for us the " best solution for our situation '' as promised in the paperwork. It gave us the best solution for THEIR situation. We have been paying thousands in interest and not paying down our principal because of bad advice and what feels like a con job. We believe the bank never intended to approve a new loan. Their goal was to stop us from getting a good fixed-rate lock option while one was available. We have paid hundreds in unnecessary interest because of 5/3 Bank 's predatory practices. We would move all our business elsewhere if the timing wasn't bad but we believe 5/3 Bank knew that would the case, too.
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| 04/19/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I opened a checking account with Fifth Third Bank on XX/XX/2020 at the branch on XXXX XXXX XXXX in XXXX, IL XXXX. I deposited {$480.00} cash into my checking account on XX/XX/2020 inside the branch with a teller at XXXX XXXX XXXX in XXXX, IL XXXX, bringing my account balance to {$480.00}. On XX/XX/2020 I receive a text message alert from the bank telling me my balance was low at only {$0.00}. To find out what happened, I call the banker at the branch where I opened my account and she tells me that the money was withdrawn from an ATM in XXXX, GA. In the time leading up to this, I had never received any debit card in the mail, I had not activated any debit card, I had not traveled to XXXX, GA, and I do not know anyone who lives in XXXX, GA with my personal information. Therefore, the banker advises me to file a dispute claim with Fifth Third Bank for this {$480.00} withdrawal transaction. I proceed to do so and the bank provisionally puts the {$480.00} back into my checking account. As they review my claim, I receive another alert saying the {$480.00} that the bank put into my account, has been taken back. After contacting the local bank branch, I find out that my claim has been denied by the dispute team, and the individual who helped me open my checking account is now leaving the branch ( this seems suspicious to me ). The branch manager advises that I email the dispute team and explain why I do not agree with the denial, which I proceed to do on XX/XX/2020. After basically re-opening the dispute case, the corporate team tells me they will have a decision within 1 month. After waiting for one month, I do not hear anything from Fifth Third Bank by XX/XX/2020, so I decide to call them myself on XX/XX/2020. When I do, they apologize for not having a decision yet and say they need 2 more business days and I will need to call back. When I call back on XX/XX/2020, I am told that the decision to deny my claim will stay and there is nothing the bank can do going forward, and if I want the case to be opened again, I will have to email the dispute team again with my reasoning for why the case should be opened. The dispute team-member also advises that I file a police report because she thinks someone stole the debit card from my mailbox and activated and used it. I dont believe this to be true at all, since I live in XXXX, IL and the ATM transaction was in XXXX, GA. However, I do file a police report with the XXXX Police Department, case # XXXX with Officer XXXX on XX/XX/2020. Since then, I have emailed Fifth Third Bank on XX/XX/2020 to reopen my dispute case, and I provide them with the police report number. In addition, I ask them to retrieve the video footage from the security camera at the ATM, as well as the phone number that was used to call and activate my debit card. It has been 2 months now with no resolution and I am very disappointed at all the time and effort I have had to put to get my {$480.00} back into my checking account, with NO help from Fifth Third Bank.
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| 06/07/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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On Monday XX/XX/XXXX, I went into the XXXX XXXX XXXX branch XXXX XXXX XXXX to open a checking and savings account and take advantage of their offer that I saw in the XXXX advertising mailer. I have a copy of it-it is attached below. XXXX XXXX helped me and was very nice.
The offer said that if you open a new checking account with Direct Deposit for your payroll you can qualify for {$300.00} if the balance reaches {$1000.00} within 60 days. Also, they were offering an additional {$400.00} if you opened a savings account with deposits reaching {$15000.00} within 45 days and maintained for 90 days.
Both sets of criteria were met by me within the time limit. I did not receive the bonuses.
I went into the branch again on XX/XX/XXXX and spoke with XXXX XXXX XXXX. He asked to see the voucher. He looked at it, then looked at my accounts and verified I had successfully fulfilled the requirements for the bonuses. He said Oh this happened before.. its an easy quick fixthe other guy XXXX XXXX , didnt register your new accounts with the promotional code correctly so it got skippedwe just need to notify a supervisor and you will have it in a few days. On that day I left happy it was handled. Minutes after leaving the branch, I even received a call on my cell phone from a number I did not recognize and it was XXXX XXXXVP-Financial Manager apologizing profusely and thanking me for my patience and it will get handled quickly-he will make sure. He lied. Because he did not make sure.
Fast forward 2 weekson XX/XX/XXXX I stopped in again to see what the holdup was. This time I sat down with a very rude and dismissive XXXX XXXX. He wanted to argue with me, rush me out-NOT provide solutions. He finally did speak with the most recent guy XXXX XXXX XXXX and asked him what was going on. Then he came back in to where I was sitting and he said an email was sent to a nameless Regional Mgr. and she needs to approve it because of the high amount. I said OK thats fine, but where was MY email and communication? I then got excited and said that they took my {$15000.00} very quickly-THAT needed no approval, but now that you owe ME-it needs approval?! I asked for him to type something up saying what happened on what day and he did-I have a copy.- it is attached below.
It has now been ANOTHER 6 weeks and no movement on their part has taken place. No communication and no deposits into my accounts.
I felt I had no other recourse than to alert your office that this seems to be a bait and switch operation by an institution that is backed by the FDIC. We entered into a contract and I have upheld my end of it. But they have not. They accepted my {$15000.00} plus and have used that money to make money for themselves, but they refuse to pay me what they owe me for fulfilling my end.
I just wanted the {$700.00} that was owed to me. Now-it just doesn't seem like enough.
Please let me know what my next step is to resolve this. I may be reached by email : XXXX.
Respectfully Submitted, XXXX XXXX XXXX
|
| 07/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
In XX/XX/XXXX my mother and I purchased a XX/XX/XXXX XXXX XXXX from this company 's mobile sales location in XXXX, NY. We were told I did n't have enough income to finance the car myself so she would have to cosign. After much manipulation on the part of XXXX XXXX ( the owner ), we got a sale price of {$12000.00}. This was way above the {$5000.00} or less we were told they had for cars. After some debating, my mother and I decided to just buy the car since I needed it for work. After an hour and a half of being insulted by XXXX XXXX, we just wanted to sign our papers and leave.He gave us a long " I do n't deal with crooks, cheats and liars '' shpiel and told us " he would n't sell us a car if we were dishonest criminals ''. After I informed him we did n't deal with that kind of people, either, he finally got down to business.
Mom and I were told we could finance the car for 5 years at a 5 % ( which later turned into an almost 8 % interest rate ) interest rate. No big deal there. We get to discussing the monthly payment and he said it would be around {$250.00} a month. This was fine and affordable for me. XXXX minutes later he comes back and gives us this " I 'll pay your tax, licensing and other fees but you have to pay me back for it. ( Weird, considering that 's just usually financed into the loan ). It 's going to cost you {$450.00} a month for 6 months to pay me back for that, then your payment will drop to around {$250.00} a month. '' Okay shock at the new payment, but I figured for 6 months it was doable. I specifically asked if he was sure my payment would drop after the 6 month time frame and was told " I guarantee it will ''. Okay, fine.
Now we finally get to sign our papers and just leave. Mom signed away and after I questioned XXXX XXXX on that, he said in 6 months the loan would automatically go through in my own name as long as I made the payments for 6 months out of my bank account ( also weird but I was assured this was the truth ). Those 6 months came and went and no surprise there, the payment never dropped, the loan never went into my name, and when I applied for my own loan, I was declined after being repeatedly assured I would get approved. This {$12000.00} car ended being financed at {$29000.00} over 5 years. I looked through all the paperwork and ca n't figure out how a {$12000.00} purchase price on XXXX set of forms jumps to {$16000.00} and then {$18000.00} on other sets of forms then ends up costing me {$29000.00}. The car has never been repaired by the dealership. Trying to talk to someone you get the runaround.
On top of this, the bank who financed the ORIGINAL loan issuer ( Fifth Third Bank ) sold that loan less than two weeks later to XXXX Consumer, and neither party notified us of their intent to do so. The only knowledge we had of this event was XXXX sending us a letter stating that they had purchased the loan from Fifth Third Bank. The NYS Attorney General 's Office told me doing so was ILLEGAL and in violation of FTC laws.
|
| 01/25/2017 |
Yes |
- Bank account or service
- Checking account
|
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Web |
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I deposited XXXX checks via the mobile deposit app on my phone on XX/XX/2017 at about XXXX in the evening. After the first deposit XXXX was made available immediately. After the second deposit no money was made available. On XX/XX/2017 I checked my account and noticed a hold was placed on XXXX. I called the bank at about XXXX to inquire about the hold and to verify if this hold would delay my deposits clearing. The first person I spoke with provided information I did n't ask for and then advised a bank teller placed the hold on my account and he could not explain why and I needed to wait until the branch opened to get an answer. I asked for a supervisor. The supervisor advised the deposit department placed the hold and I would need to speak with someone from that department. I was transferred. The first person I spoke with in the deposit department again provided information I did not ask for and was irrelevant to my inquiry, when I pressed for an answer about the hold and how it would effect my deposits I was advised she could not explain the hold and I would need to wait until the morning to find out what would happen. She became rude when I asked for a supervisor. I spoke with a supervisor in the deposit department who again advised no one could help, no information could be provided and that notes on the account can not be seen until the transaction either clears/or does n't. I called customer service and immediately asked for a supervisor so that I could file a complaint. The supervisor in customer service insisted she could help, again I was told no notes where available to explain the decision and they could not provide any answers until my deposit either cleared or did n't clear in the morning. I asked to speak with her supervisor and she hung up on me. I called back and the customer service rep who knew my name insisted he could not transfer me until I gave him my name, he was antagonizing. I finally spoke with a supervisor who again stated nothing could be done, no answers could be provided and I would just have to wait until the morning to " see what would happen ''. I spoke with XXXX different people, none of them could explain why the hold was placed, or how the hold would effect my deposits clearing. I checked my account this morning and the deposits were debited and my account is negative over XXXX. I still have no answers explaining why any of this happened and now I have a negative balance on my account I did not create. If there were questions regarding the deposit, I did not receive a phone call so that I could at least attempt to answer any questions the bank may have had. I did not receive an e-mail either. It would have been helpful if at a minimum notes were entered explaining why the hold was placed and whether or not my deposits would have been effected. I was constantly advised that " this is just the process '', that is antiquated and unhelpful. Customers want to be informed and understand why something was done to their account.
|
| 11/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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I have had a business account with Fifth Third since XXXX. This past year I have been racially profiled, and discriminated against. I am a XXXX XXXX XXXX every time I present a check I am insulted and derogatory remarks are made to me.
Recently XX/XX/XXXX. I presented a business check for my XXXX company in the amount of approx. {$7800.00}. They have cashed 3 prior checks all with scrutiny and insults.These are 203k loan checks from a lender called XXXX XXXX XXXX. The branch manager was very condescending asking where did i get this check? Is this fraud? .. I told him this is not a new transaction and a few checks have already cleared from this job Im working on. He proceeded to tell me that this check looks off and even though the check is issued by a XXXX XXXX company that I was a possible crook. He proceeded to to say how hes the branch manager and asking me these insulting questions were normal instead of looking at the transaction history or calling the bank. He gave completed deposit slip and laughed and held my check in his hands. This was not usually they wouldn't put check in drawer. I left only to find they had flag my check for fraud. I called l the bank and said I can give the contract from the lender and all paperwork they refused. Currently I am unable to conduct business and was told they must make sure Im not in a money laundering scheme to further add to insults. My work has come to a halt and my workers we are unpaid. My company is losing money everyday and unable to operate. I called the fraud department and was told it could take 30 or more days to investigate. My company will be out of business and I will lose my bank accounts and credibility I have worked for to achieve.The fact that they do not want documentations or to merely call the institution further displays their sabotage against my company for personal issues. The checks are cut on a 203k loan to the contractor and homeowner.The homeowner endorses check and contractor deposits it.This is a normal practice and one I have already completed a few times with this bank. All transactions have been a hassle and costly against my company.I am being discriminated against I know personally several contractors that bank with fifth third and do not have these complications with the exact same deposit process.If they had an issue with my deposit they could have given my check back and let me conduct business with an institution that respects small businesses. Instead of trying to destroy my company. XXXX XXXX the fraud inspector is aware and was the one claiming i may be part of a money laundering scheme and continued to deny documentation and hurl insults instead.his number is XXXX. Further he has poor communication skills dose n't answer calls while destroying companies. I have a timeline with the lending institution to complete this job. Due to the negligence and harassment and the physical interruption of my business by Fifth third bank I may lose my account and pay fines.
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| 04/18/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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A woman called me from XXXX XXXX who said she was asked to contact me about an old debt from a bank for a credit card. They claimed to be a recovery agent and said if I did not arrange to pay right now then I would be sued for over {$3000.00} for a {$350.00} debt that they claimed was {$310.00} so first they were wrong about the amount owed. I asked them if I could have time to contact the original creditor and to investigate the information and they told me no, that this was a one time offer to settle the debt. They said they were seeking around {$950.00} but could probably settle for the original amount owed. Again red flags went up. Most debt collectors will settle for less than the original amount owed instead of three Times the original debt. They wanted to send me an agreement that I would insert credit card information over through email and I would make payments to them to pay off this debt that is owed and it would be removed from my credit report. They sent an email and it was from XXXX and it wanted me to include all of my information and credit card information. It listed their company name and address on the document. I then, feeling suspicious due to the nature of the call and threats made I contacted the original debtor ( the bank ) which gave me the information of the company that bought my account from them and who I now owe for the debt. I called the creditor and they then proceeded to tell me that they knew nothing of this company and they didnt work with them as a recovery agent. They advised me to not speak to them and to only pay my debt to them or a company they work with, but to always call them directly and if its not then they will give me information on who to contact to pay the debt. They offered me a settlement of half the original debt just under {$200.00} and told me Im able to go online and make other arrangements as well to pay it. I then contacted XXXX directly and asked them if this original debt was under any other collector aside from the original creditor or the creditor who the bank sold my account to and they said no. I also checked my credit report for all three credit reporting agencies and it was indeed only listed under the original creditor and the creditor company that bought the debt from them. I then called XXXX XXXX back and they laughed at me and told me the credit bureaus werent accurate and must not be updated. They also told me my creditor mustve sold it to them and still show I their system that it hadnt been sold yet, however this is a lie because the creditor was able to provide me with up to date and accurate information. They told me to be expecting a court date as they will proceed with legal action against me. This company is a scam and they are trying to obtain credit card information from people to steal money claiming to be collecting a debt by threatening a lawsuit of sum of money significantly larger amount then the original debt that they do not even have the correct information on.
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| 12/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We recently filed a complaint with CFPB regarding an experience while attempting to refinance our mortgage with Fifth Third. We have received and reviewed their response, including what appears to be fraudulent documentation, notably a customer initiated withdraw request. AT NO POINT DURING THE REFINANCE PROCESS INITIATED IN XXXX DID WE REQUEST A WITHDRAW. As indicated in our initial complaint and all conversations with Fifth Third we requested the loan process be continued.
We are extremely dissatisfied not only with Fifth Third 's decision but are extremely disappointed that they would attempt to state we requested a withdraw. If they sincerely believed a withdraw request had been made we should have been contacted or received a copy of such a withdraw. Further, had such a request been made we believe it would have come up during discussions of our loan ; at no point during those discussions did anyone at Fifth Third disclose that such a request had been made. We would assume, that had such a request existed, that Fifth Third would have wondered why the customers continue to call inquiring about the loan and requesting updates as to its progress. All communications regarding this loan have requested that the process be continued and our incongruent with the current claim. It appears false documents have been created to support this false claim which is extremely disturbing. Fraudulent practices have no place any industry and we believe this must be investigated.
We are requesting Fifth Third address this situation with the following pieces of information : 1. Who they claim made the request as well as associated date, time, and in what format.
2. Why we were not notified of a request being made in relation to our loan.
3. Why the form they have submitted is BLANK ( which is likely because no such request had actually been made ) 4. An overview of the investigative process they will take to ensure the security of our application and current home mortgage given the very clear evidence of a fraudulent request associated with our account.
Additionally, a number of the requests we included in our initial complaint have apparently been ignored or denied. We request an explanation of why the requests have been denied and the appeal process. Notably, why as current customers NO ONE from the company has returned our calls or attempted to communicate with us. We remind Fifth Third that we are CURRENT CUSTOMERS now with significant concerns regarding fraudulent activity on our account and request the curtesy of a phone call with an individual who will be able to facilitate an appropriate investigation.
As though the customer service we received was not horrible enough, we know have to contend with either fraudulent documentation created by our bank to support their position OR investigate a serious act of fraudulent behavior by an outside party which the company allowed to occur. This is unacceptable and continues to cause significant distress.
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| 09/22/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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On XXXX XXXX I leased a safe deposit box as a sole individual @ Fifth Third Bank XXXX NC . on that same date I placed 3 silver Us Quarters each bearing on the reverse side the words " XXXX XXXX XXXX XXXX '' ( hereinafter the " Coins '' ) along with the only two original keys to a safe deposit box co-owned with my mother XXXX XXXX in XXXX XXXX XXXX in XXXX Florida with other valuable coins. On XXXX I discovered that a theft had occur when i accessed the box and 2 of the 3 original coins had been tampered with and exchanged with 2 gold color coins bearing the the words " XXXX XXXX XXXX '' 1 out of the 3 coins had remain in my box with the miscast imprint of " XXXX XXXX XXXX XXXX ''. Spoke to bank manager and had mentioned they would investigate, After a long period of time there was no response and that time I filed a Police Report. There was never a resolution with the Bank or the Police Dept. I filed a lawsuit in XXXX MD federal court.
Had Deposition with defendants council XXXX. During the deposition defendants council stated that I had nothing and the feds had come and I had nothing. I had a scheduled tele- conference with defendants council and Judge presiding over the case but unfortunately I'm receiving correspondence at my Ex-Husband po box and I was unaware of this scheduled conference call because he didn't hand deliver it to me until 7days after the tele conference was to be held. The case was closed because the judge has not been aware of this and my limitations to reach the judge due to the fact that I am relying On temporary shelter with my ex husband due to covid-19 after he had kicked me out to a shelter with my initial hearing in court. I have no phone right now relying on his cell phone and receiving mail at his po box . I am seeking answers to the follow up with defendants council as to Question No # 1 Has the box been opened if yes, why? I had also filed a motion in federal court to freeze the box and that motion was granted and on our hearing in court I asked the judge the same question after motion was granted to freeze. Judge response was that nobody could go into that box not even myself. Question No # 2 When was it opened? Question No # 3 Why didn't I receive notice if I'm the owner of the box? Question No # 4 Why didn't they give me the opportunity to to be present? Question # 5 Who was present when the Box was opened? Question No # 6 Did they inventory the contents, Did they take pictures? Question No # 7 Where are the contents now? Are they in another Box or who had possession of the contents the Government or the Bank? I would like to have a resolution with this case and I would like to have the opportunity to retrieve my Original Silver quarter Coin bearing the inprint of " XXXX XXXX XXXX XXXX '' along with my 2 other replaced and tampered coins. I would like to be able to personally be present with a council on my defense. Thank you for your cooperation to this case to find a reasonable resolution to my property.
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| 08/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I received an eamil advising me to bring account to a XXXX balance before XXXX on XXXX/XXXX/2923. My husband had received his paycheck around XXXXXXXX XXXX of XXXX which brought our account to a positive {$72.00} ( aprox ) Athe hat time I then transferred the remaininf balance from my checking to my savings. which left me with a XXXX balance.I had logged into my account at XXXXXXXX XXXX on the XXXX of XXXX to make sure it still had said XXXX.Which in fact it was. I decided to check my account at XXXX in the morning because of past history with XXXX. i discovered I was charged a XXXX overdraft fee. I called and discussed my account and was advised that there was nothing they could do. That becaused I had a pending XXXX charge. My account was still in the negative. Now I have been told the " pending '' charges are in space some where til they say processed. They kept changing their stories why I was charged the XXXX overdraft fee. I was told it was because I had this pending charge, then I was told becasue I had a XXXX something in m account. i kept explaining to them according to the onlune bank app it showed I had a XXXX balance. I asked them if I had a negative balance Why would it let me transfer the XXXX and change from my checking to my savings. Iget an answer we'll it is the bankjs discrestion. I adv them NO it will never let transfer from a negative checking to my savings. Then when I was transferred to their legal dept because I adv them I was filing this complaint. He told me my husbands check was processed at XXXX. I asked him if so then why did it not show up in my onlune banking for XXXX hours later. He then asked me did I have screen shots of what I was saying. Now come on I take screen shot of everytime I log on to my online banking. I asked the gentlemen if you expect us to abid by your rules and regulation shouldn't your o=app and your records say the same thing at the same time. No answer.
My husband and I left and made a stop to get somemoney out of our saving and his card didn't work. Just worked a couple days ago.
Called the bank and they advised their was some suspious activity on his account. They blocked us from our online account.
When we asked what suspious activity they adv someone tried signing in using my husbands log info. Now mind you my name is on the account. I have my own log in. Made me go thru all sorts of hoops to get my account back up to including telling me my wife is not allowed to have my log in information and if he did share that with me they will close our account.
I think they purpsoely did something to our account to " punish '' us for raising a stink about the XXXX. This is the same bank who flagged our account for a XXXX gas purchase, but let a $ XXXX transaction go through for XXXX XXXX the online betting site. Then take a 14 business days to refund our money. They can not keep doing this to people. This exact same situtaion happened befor and I was told '' oops the computer made an error.
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| 04/25/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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I apply for financial hardship in XXXX. I had sickness and loss of income. Received unemployment so I was able to submit an application for a hardship. I completely information For financial hardship explaining my situation. After a long flight to get help after continuously trying to talk to the mortgage company. They kept giving me a lot of runaround. Finally got a notice that I was approved A Forbearance in XXXX. So the forbearance would have went through XX/XX/XXXX, I received an email from a XXXX XXXX with Fifth Third, On XX/XX/XXXX, at XXXX XXXX, XXXX, XXXX XXXX wrote : She requested paystubs. I sent all the information XX/XX/XXXX through email. The only correspondence that I received after that was on XX/XX/XXXX, requesting a monthly worksheet so that we can start the modification. I sent all the information as requested Through email. On XX/XX/XXXX, at XXXX XXXX, XXXX, XXXX wrote : Do you spend anything for auto gas and I stated no. And that was it. I heard nothing from this point. On XX/XX/XXXX of XXXX, I sent another email to XXXX requested an update. She replied that a repayment plan was mailed out to me on XXXX XXXX mail. And asked Did I not get it? I Reply no!! And asked what was the payment plan. I heard nothing. On XX/XX/XXXX, I sent another email and got a reject noticed that XXXX Is no longer with the bank. I called and spoke to several people. XXXX XXXX XXXX For an update and she stated that her fouls never moved to another individual, and that she will assist me a call me back on Friday XX/XX/XXXX To see if she can get with a Nother negotiator so they could get the paperwork back out to me so that I can sign it and start the repayment plan. I heard nothing from her Until XX/XX/XXXX. And she requested that I start the whole process over. Im very frustrated not sure whats going on. Ive called and spoke to XXXX on On XX/XX/XXXX and she advised me to send a signed form only, and additional paychecks and that they can use the same information to resubmit. I resubmitted on XX/XX/XXXX. But got a call today XX/XX/XXXX from a XXXX requesting payment and that Im in foreclosure. When I Called On XX/XX/XXXX, I wasnt in Foreclosure, now I dont know what to do at this point because now theyre stating that an attorney has been assigned to the fair and that theres additional fees is going to be attached on the mortgage. I never dropped the ball I got approved for payment plan. The person that was working My file is no longer with the bank. Contacted XXXX XXXX, she asked me to forward all the emails from XXXX and I did and now theyre making me start the whole process over and Im in jeopardy of losing my home. I need help, I need help. To stop this from happening. Im baffled that a company can start a foreclosure process, due to me being approved for repayment plan, but due to me never receiving that information in the mail, I am now about to lose my house. I told XXXX and XXXX at FifthThird about what happened. But no one will help me.
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| 07/24/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Funds not received from closed account
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Web |
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Re Fifth Third Savings & Checking Accounts : I used a XXXX coupon to open checking & savings accounts with Fifth Third Bank. The initial communication took place over the phone on XX/XX/2018, providing the " offer code '' from the XXXX coupon. The XXXX coupon ( attached ) offered {$250.00} for opening a savings and {$250.00} for opening a checking, with specific terms. I completed the paperwork, sent the funds on XX/XX/2018, account was opened XX/XX/2018. On XX/XX/2018, I visited the branch at XXXX XXXX XXXX, XXXX ( XXXX ) XXXX. I spoke with XXXX XXXX, Manager, to close my accounts. Mr. XXXX processed the request with a cashier 's check for {$15000.00} : {$15000.00} initial deposit into savings ; {$250.00} initial deposit into checking, and {$250.00} to fulfill 1/2 of the XXXX XXXX offer. This was {$250.00} short based on the offer " get {$250.00} when you open a Fifth Third checking account '' plus " get another {$250.00} when you open a Relationship Savings Account. '' I unequivocally met offer qualifications but Mr. XXXX could not explain or resolve the deficiet. He stated the " paper '' received when the account was opened was required. I asked him if there were other " screens '' to view to validate my offer. He said " no, there is just one offer code stating {$250.00}. '' On XX/XX/2018, I provided the " paper '' and coupson. Mr. XXXX stated he had to process my issue through the disputes channel. XX/XX/2018, Mr. XXXX informed me the issue was resolved but required a Regional Manager sign-off. I later received an email stating the funds were approved for deposit into the account.
On XX/XX/2018, I went to the branch. I received the {$250.00} and closed the accounts.
My concern is there is an internal, purposeful process to reduce the liability owed to customers. The {$250.00} deposit for opening the savings should have been deposited after the deposit of {$15000.00} was maintained for 90 days in additional to meeting terms specified for the checking account. This deposit did not occur even though all conditions were met. Worse yet, Mr. XXXX had no means to validate I was owed the {$250.00} UNLESS I provided the paperwork ( attached ). I believe this is a form of theivery. The {$250.00} were my funds once I met the terms ; yet, the funds were refused unless I did the footwork to prove the funds were due.
I submit this complaint so if this occurs to others who also submit complaints, the bank can be held accountable for not meeting it's obligation unless and until the member proves their standing. I should not have had to prove the funds were mine. If I had misplaced the paperwork, would the bank have refused to provide the {$250.00} that was officially my money after meeting the terms on the coupon?
I hope you can hold this bank accountable if this is a recurring episode. I believe it's an intentional " mistake '' as many people would not have followed-up. The bank is then rewarded by their lack of sufficient documentation.
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| 10/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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In XX/XX/XXXX we bought into what was believed to be an online marketing business called XXXX. XXXX educators presented very convincible scenarios where one could make money on-line simply by marketing XXXX products. The largest and most beneficial of those training sessions was called XXXX Masterminds, in most cases, this was a series of four ( 4 ) four ( 4 ) day training sessions in XXXX XXXX, at another XXXX facility.
From XX/XX/XXXX through XX/XX/XXXX, we consumed as much knowledge of online marketing as we could through XXXX online training webinars and our coaches. Our first XXXX Mastermind was scheduled for XX/XX/XXXX through XX/XX/XXXX. XXXX was served a civil lawsuit by the Federal Trade Commission ( FTC ) on XX/XX/XXXX. Consequently, our Mastermind event was cancelled and products/services that were paid for were not received. On XX/XX/XXXX, a Preliminary Injunction was instituted by Judge XXXX in XXXX, FL which is the same as a Temporary Restraining Order ( TRO ), except that it continues indefinitely.
All FTC filings and updates can be found here ; http : XXXX To buy into the business of XXXX at a {$60000.00} level, XXXX provided a process for credit card financing this cost. The process had you charge {$60000.00} on your personal cards and then open new cards to transfer the balances.
The personal cards we used for this charge were XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and Fifth Third Bank. Upon the news of XXXX shortly after XX/XX/XXXX, we filed disputes with all of these cards. Each credit card company reimbursed our full amount except Fifth Third Bank.
Fifth Third denied our dispute ( Case # XXXX ) for {$18000.00} after their investigation. This investigation began XX/XX/XXXX with a dispute case number and was closed XX/XX/XXXX. When I called to get status updates, Fifth Third kept referring to a term I was unfamiliar with called charge back. It wasnt until my XX/XX/XXXX phone that this term, charge back was explained to me. I have come to find out that charge back was their term for charging back this amount to XXXX. This was not possible since the civil lawsuit, TRO, and Preliminary Injunction prevented XXXX from conducting any business or communicating with anyone. I feel that Fifth Third Investigator ( s ) did not do their jobs adequately because if they had looked at the web site ( http : XXXX ), they would have realized or understood that a charge back was not possible.
In my last conversation with the Dispute Department Supervisor at Fifth Third while I was asking many questions to better understand, she said the case was closed and hung up on me.
We were awarded all other disputes with each of these credit cards, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX, except Fifth Third Bank.
Fifth Third practices and processes are not up to par with their competitors and they do not protect their consumers against fraudulent charges or scams. It is for the above reasons I am filing this complaint.
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| 11/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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In XXXX XXXX, I purchased a new XXXX XXXX, and obtained financing with Fifth Third Bank for {$12000.00}. After setting up automatic withdrawal from my checking account, in XXXX XXXX, I changed banks. I transferred the automatic payment from the old account to the new XXXX, but the withdrawal was delayed through no fault of mine or my bank ( XXXX XXXX Bank XXXX. Nevertheless, it got squared away ; and I made XXXX payments through the XXXX XXXX XXXX to get the account squared away.
The second major discrepancy occurred in XXXX XXXX, when I called to stop the automatic payment program, and requested Fifth Third Bank ( FTB ) to send me a monthly payment coupon book. I never received the payment book, and a couple months later, a repossession company attempted to reclaim the truck. I called Fifth Third, asking why I had not received the payment coupon book, but they were clueless. I made XXXX payments to get my installments up to date, along with a {$160.00} late charge.
This XXXX late payment has continued to generate a {$20.00} late charge, not just once, but EVERY MONTH since XXXX. Paying a {$20.00} late charge because XXXX payment did n't occur is okay, but having it continue to accrue is unacceptable.
On XXXX/XXXX/XX/XX/XXXX, I wrote to XXXX XXXX, XXXX at Fifth Third Bank ( FTB ), regarding the situation, but never received a reply ; On XXXX/XXXX/XXXX, I wrote to XXXX XXXX, also in the Office of XXXX FTB, but never received a reply ; In XXXX XXXX, I spoke with XXXX XXXX, also in the Office of the President at XXXX.
On XXXX/XXXX/XXXX, I sent XXXX letters by certified mail to the XXXX individuals named above, along with a detailed XXXX spreadsheet I created listing all the payments I made, including the Late Charges FTB generated, and noting where the Principal payments were erroneously applied to the interest.
In XXXX, I called XXXX XXXX. He informed me that he had received the spreadsheet, was analyzing it, and was required to reply by XXXX XXXX. On XXXX XXXX, I again called him, and he gave a vague response, acknowledging that his response was not forthcoming.
All I have received since sending in the spreadsheets and talking to XXXX XXXX is a XXXX history of my loan payments, along with a form letter saying y account is seriously delinquent. FTB 's deplorable customer service is exemplified by the following four notices:1 ) On XXXX/XXXX/XXXX, my balance due was {$580.00}.
2 ) On XXXX/XXXX/XXXX, my balance due was {$780.00}.
3 ) On XXXX/XXXX/XXXX, my balance due was {$650.00}.
4 ) On XXXX/XXXX/XXXX, my balance due was {$460.00}.
It would be expected that the balance due would increase in time, but this fluctuation up and down is beyond confusing.
I have spent a long time looking over the XXXX pages of my Installment Loan history, which I have copied and enclosed. I numbered each payment, and transferred all the amounts to an XXXX spreadsheet to get some totals. I hope you or someone can make sense of the figures.
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| 01/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX XXXX, XXXX I called 5/3 Bank to have the reverse a payment to the principle of my mortgage in the amount of {$1100.00}. When they processed the curtailment, they processed incorrectly of {$1100.00} and additionally reversed the payment, of {$560.00}, on my mortgage for the month of XXXX. At that time, I did not realize the reversal occurred. My XXXX mortgage payment was auto deducted from my account of XXXX XXXX with no issue. On XXXX XXXX, I received a phone call from the 5/3 Bank collections department stating my mortgage was one month past due. Clearly I was shocked to hear this. I tried to correct the problem on this phone call on XXXX XXXX. I was told I was unable to make a payment at this time because they were closed. I called back to the customer service department on XXXX XXXX to fix the problem. I made the payment to make my mortgage, in 5/3 eyes, current. I explained my issue over the phone and filed a dispute against the delinquency that was now on my credit report with the 5/3 representative. I filed this complaint on XXXX XXXX. I called XXXX XXXX to follow up on this process and was told it was still pending. On XXXX XXXX, I called again to follow up on the progress and was told it was denied. The representative I was on the phone with recognized my issue and could see that it was bank error. I was told that a supervisor in the mortgage department was going to be reviewing my phone conversation from XXXX XXXX and I would receive a call the next day. I never received a phone call, so I called on XXXX XXXX to find out that the supervisor that was supposed to review the call was not working. I was directed to a customer service supervisor that told me he was going to follow up on my issue and call me back the next day. Again, I received no phone call. I called XXXX XXXX to see if there was an progress on my issue. I was put into the voicemail of the original mortgage supervisor that was supposed to review my call. By end of business on XXXX XXXX, I still had not received a phone call back from anyone at 5/3. I called again right before XXXX est and was directed to a different supervisor in the mortgage department. She stated she would file the request again for the call from XXXX XXXX to be reviewed. Additionally, she escalated my issue to the office of the president. I called back on XXXX XXXX to see where this process was. I was able to speak with the individual in the office of the president. She started that it would take 15-25 days to review and respond to the case via email. She was extremely rude and could have cared less about this issue and the fact that it had been pending for 2 weeks at this point.
I am in the process of trying to get pre-approved to purchase a new home and because of 5/3 Bank 's error I am unable to move forward in my pre-approval process.
I am seeking an end resolution that this delinquency be removed from my credit report so that my husband and I may buy a new home.
|
| 10/05/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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The selected problem is with another lender as a result of the problem created by 53rd bank.
Here is what happened : My business loan with Fifth Third Bank here in XXXX Florida seems to have fraudulently-dualized liens attached to my property creating a double lien exposures that frightened a prospective business partner who refused to proceed with a deal causing me great pain in retrieving and recycling my trapped equity to lighten my monthly recurrent financial burden. The property involved is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Florida XXXX housing my company, XXXX XXXX. As at the time of the deal, the company 's rep Mr. XXXX XXXX sold to me the idea of refinancing an existing mortgage in the property in the amount of {$120000.00} and because the equity was close to another $ XXXX-XXXX, my standing improvement project at XXXX XXXX XXXX XXXX gets approved to the tune of {$230000.00} so that l could get about {$30000.00} l needed from the improved loan amount to finish up my improvement. From the above descriptions, my combined loan on closing was {$360000.00}. Now in recording the liens, Fifth Third Bank asserted a questionable right and recorded three liens of {$120000.00} and {$230000.00} on XXXX XXXX XXXX XXXX XXXX XXXX. property and {$230000.00} on XXXX-XXXX XXXX XXXX XXXX address. This action they claim as " cross-collateralization '' now indicates to a low information consumer that l owe the bank {$600000.00} at my closing and not {$360000.00}. This l believe is outright deceit, dishonest and fraud that is hurtful to my financial interest.
Since the XXXX-XXXX XXXX XXXX XXXX property is now completed, a cross-collateralization of its loan {$230000.00} with another property in exact amount is " fat '' lie. This amount to an attempt to easily steal my property should l have a financial downturn and difficulty and l want this action to be investigated if the bureau has the power or be referred to the appropriate authority for investigation. Yes l signed the document because their rep played a dual, conflicting role for the bank and my company. In doing that there is a conflict of interest since there was no third party title company used to steer the deal away from conflict of interest which clearly took place here especially now the bank is using its legal muscles to pressure me to refinance my deal against my time-table even when l still have time left on the mortgage and promissory note. After discussing with a prospective lender, his argument is that since l have two liens on one property, his lien will be third in line and he refused to proceed with the deal. This is creating financial difficulties for me because l have enough equity in the property to help me liquidate some of recurrent and unnecessary liabilities and still engage in a construction loan agreement with the said lender. 53rd Bank needs and should correct this fraud and if they owe me money, l need that be paid back to me too.
|
| 08/09/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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|
Web |
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Step 1 : What is this complaint about?
The Fifth Third Bank at the XXXX Fl, branch closed my checking account without prior notice and without legal reason.
Step 2 : What type of problem are you having?
A wire transfer made to the corporate account was rejected, so the fees paid were lost.
Step 3 : What happened?
On XX/XX/2021, I opened a corporate checking account at Fifth Third Bank at the XXXX Fl. Branch with an initial deposit of {$19000.00}. In this corporate account I indicated that 90 % of the company belongs to me and 10 % belongs to my sister, XXXX XXXX.
I also opened a personal account and deposited {$50.00}.
On XX/XX/XXXX, my sister received a call from an alleged private investigator and asks for various account details and arrogantly questions if we had paid the company 's taxes, an aspect that bothered my sister because the company is new and we don't have any Tax obligations yet and, above all, because of the tone in which this lady expressed herself ; obviously you can not inform anyone who calls on the phone trying to obtain financial information.
My sister immediately notified me of the call and I wrote an email to the bank asking if the call was official, my sister also called the bank to find out what the reason for the call was.
The person in charge of my accounts in the Bank responded by giving me a list of documents that I had to present, including a Business Plan.
On XX/XX/XXXX, I responded by clarifying that all the documents that she requested were presented at the time of opening the accounts and the only thing missing was the Business Plan, that was not presented since I was not requiring any financing from the Bank, anyway I sent her again the submitted documents.
On XX/XX/XXXX, and as I didt receive any communication from the Bank, I called the Branch Manager, XXXX XXXX, who asked me for a phone number to make a tripartite communication with the investigator. However, that call was never made. That same afternoon, as a result of my phone call to XXXX XXXX, I suppose, the manager of my account, Mrs. XXXX XXXX, wrote me another email in which she asked me to present the Business Plan without indicating if there is a deadline to present that document.
On XX/XX/XXXX, I sent the requested Business Plan to the Branch Manager ; On XX/XX/XXXX, he answered me indicating that bank protection closed my accounts.
On XX/XX/XXXX, my partner in the project being invested in XXXX visited the Branch Manager and they called me on my cell phone. At that time, the Manager XXXX XXXX informed me that on XX/XX/XXXX the Bank closed my accounts.
In other words, the Bank closed my accounts without giving me prior notice, an aspect that harmed my business since my company was to receive an international wire transfer for $ US XXXX, which was rejected due to this arbitrary closure and without prior notice.
From everything explained I have emails and documents, even about the rejected wire transfer.
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| 04/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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In XX/XX/XXXX I began the process of refinancing my home with Fifth Third Bank. All along I have checked in on the status because of the length of time and was assured that everyone was very busy but there were no problems and the refi was moving along. In XXXX, nearly 6 months later I was informed because of the lady bird deed on my house, the refi could not be done unless it was on file with the county that my home had been deeded out of my trust ( not just signing paperwork but on file with the county which takes another 10 weeks XXXX, then I would need to begin the 6 month refi process again.
They had the title for 5 months and no one reviewed this while I was told when I checked on status there were no problems. On XX/XX/XXXX when i was informed of the above problem with my deed, I began the process of refinancing with another bank. I was able to lock in at XXXX instead of XXXX interest rate and it finalized on XX/XX/XXXX, a total of approximately 3 weeks. While I can accept that banks have different guidelines, it is unreasonable for Fifth Third to notify me after having my deed for nearly 5 months that they could not complete my refinance without me filing my ladybird with the county and starting the refinance process all over again and waiting 6 more months!
I tried to stay loyal to the bank that had my existing mortgage and unfortunately it cost me not only 1 % interest rate but the {$390.00} appraisal fee that they refuse to refund. I did not think a refund of the {$390.00} appraisal fee paid on XX/XX/XXXX via my debit card was unreasonable for services that could not be performed. Below is an outline of the attempts I have made to resolve this matter. I also have saved my email correspondence should you need it.
XXXX XXXX-Began refinance with Fifth Third Bank XXXX-informed title would need to be changed, filed with county and after approved refi begin again.
XXXX XXXX was to forward my request for appraisal refund to management. No one from bank contacted me.
XXXXSent email to several members of Fifth Third Bank what happened above and the manager XXXX XXXX replied she would forward to mortgage dept. No one from bank contacted me.
XXXXStopped in bank and saw XXXX XXXX. She was apologetic and sent another email to the mortgage department regarding the refund. No one from the bank contacted me.
XXXXI sent another email to XXXX XXXX asking for update. I heard back from a XXXX XXXX or XXXX XXXX in the mortgage department that said I was not approved for the {$390.00} appraisal fee refund. When further discussed he said it was simply his job to deliver the news. He did not have to agree with it but there was nothing he could do. I can not believe a large bank would do this to a customer that tried to give them their business. They were not able to complete the refinance after 6 months and I do not think their decision to keep my appraisal fee for a refinance that could not be completed by them is fair.
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| 10/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX ( XXXX ) is allowing merchants ( with DEFECTIVE SERVICES, DEFECTIVE PRODUCTS, AND MISLEADING ADVERTISEMENT ) defraud cardholders. On XX/XX/2019 ( SATURDAY ), I made a payment to hold a quote from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$990.00}. I have since CANCELLED, ( First Cancellation of Tentative policy XXXX, effective date XX/XX/2019-tuesday, was XX/XX/2019-saturday and I received a refund of {$320.00} to different form of payment for a prior payment of {$320.00} made on XX/XX/2019-tuesday ) occurred on XX/XX/2019, I re-cancelled the tentative policy due to suspicious unauthorized activity on MY XXXX. XXXX made a partial refund in the amount of {$670.00} of {$990.00}, and they are refusing to issue the remaining {$320.00}. On XX/XX/2019 ( MONDAY ), XXXX XXXX XXXX XXXX fraudulently charged me {$180.00} ( begging for money upfront before any services ) for XXXX XXXX XXXX, denied me access to XXXX, and unnecessarily exposed me to XXXXs ( not sure my last XXXX XXXX ), and then rendered DEFECTIVE SERVICES. I have requested a REFUND FOR {$180.00}. On XX/XX/XXXX ( WEDNESDAY ), XXXX Weight loss clinic defrauded me out of {$140.00} ( {$99.00}, {$50.00} ) for an 8-week WEIGHT LOSS PROGRAM, they cajoled me to their office ( begging for money upfront ) and then denied me the appetite suppressant, refused me the 8 week XXXX INJECTIONS, tried to force A HIGH-FAT PIG DIET ON ME, and ill-advised I exercise no more than 30 minute daily for 4 days. On XX/XX/XXXX ( SATURDAY ), XXXX allowed AN UNAUTHORIZED PAYMENT IN THE AMOUNT OF {$2100.00} WITHOUT MY PERMISSION OR KNOWLEDGE. The attempted theft resulted in them trying to steal {$2100.00} from my other bank account. The payment transaction REJECTED and I was assessed a {$37.00} return XXXX FEE. On XX/XX/XXXX XXXX XXXX stole {$15.00} from my VISA PREPAID DEBIT CARD FOR A TRANSACTIONS I DID NOT GRANT THEM PERMISSION TO CHARGE TO THAT FORM OFPAYMENT. XXXX XXXX refuses to refund a purchase made inadvertently resulting from an IPHONE technical difficulty issue, refund amounts to {$1.00}. XXXX STORE OWES ME {$3200.00} for a defective XXXX product DROP OFF, they have refused to issue the REFUND DESPITE BEING WITHIN POLICY AND TERMS OF XXXX REFUND/REPLACEMENT POLICY THROUG XXXX. All transactions eligible for CHARGEBACK have been requested, and XXXX XXXX refuses to adhere to Regulation Z, Truth in lending, and the Fair Credit Billing Act of 1975. XXXX XXXX is acting as if THE FEDERAL GOVERNMENT CAN'T TOUCH OR REGULATE THEIR FRAUDULENT ACTIVITY, AND I REQUIRE ASSISTANCE FROM THE FEDERAL GOVERNMENT BECAUSE THE PROVISIONAL CREDITS ISSUED ONTO MY XXXX ARE NOT BEING MADE AVAILABLE FUNDS FOR MY USAGE WHILE THEY CONDUCT THEIR REDUNDANT XXXX INVESTIGATIONS. MOST IMPORTANT THEY HAVE TO START THE CHARGEBACKS. XXXX OWES ME A TOTAL OF $ {$3900.00}. Sincerely and Respectfully, XXXX XXXX MD, Phone : XXXX, Email : XXXX.
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| 10/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Corporate delay of its mortgage remedy has resulted in loss of prime season sale, mounting court cost, legal fees, emotional, physical and financial distress. Why the inaction? Is it justifiable? Is it appropriate? Is it right? Is it fair?
XXXX Circuit Court, Family XXXX XXXX, Order No. XXXX XX/XX/XXXX, specifies the subject property shall be assumed by my ex-spouse and to indemnify and hold me harmless. Fifth Third ( The Bank ) was promptly provided a copy of The Order, ex-spouses contact, tenant contact and a copy of the two-year lease. After failure to pay the XX/XX/XXXX XX/XX/XXXX mortgage payments, The Judge ruled XX/XX/XXXX for ex-spouse to bring the mortgage current, and for tenant to pay rent to me ( mortgage solely in my name ; title transferred to ex-spouse to facilitate refinance ). XX/XX/XXXX, rent received/forwarded to The Bank, but returned requiring XX/XX/XXXX XX/XX/XXXX payments.
XX/XX/XXXX, Complaint 18- was filed against me by The Bank. The Answer and Counterclaim was promptly filed ( attachment ). Now what? The prolonged inaction has resulted in : Loss of real estate prime time sale Spring and Summer XXXX.
Loss of real estate prime time sale Spring and Summer XXXX.
Adequate maintenance and preservation decisions are on hold due to an absentee owner, pending resolution/sale of property.
Subject property is the former residence of a KY Representative. A chapter in her book was dedicated to her beloved home. Several have expressed desire to acquire property, but The Banks inaction has resulted in failed opportunities. This seems to represent an unfair business practice, which has resulted in XXXX XXXX and detrimental personal loss : Credit score has decreased. If property were sold @ 12 months after initial default, then credit score would have rapidly been repaired by today ( all other credit activity paid as agreed ).
Even The Bank has reduced my revolving credit limit {$5200.00} due to the mortgage delinquency.
Auto insurance premium has increased due to lower credit score.
Court costs, legal fees, late fees, inspection fees, etc. have continued to mount ( attachment ).
Daily calls from The Bank Collectors to my cellular and home telephone ( weekdays ) although The Bank is keenly aware of the pending action.
XXXX hospitalization due to stress.
Through counsel, I recently inquired why the foreclosure sale had not occurred. Response, the attached Agreed Judgement and Order of Sale, which includes interest on the principal balance from XX/XX/XXXX until date of judgement, costs and fees of this action ( It would not be prudent to agree to blank interest, costs and fees ). Besides, The Judge ruled I should be indemnified and held harmless.
According to The Banks XX/XX/XXXX statement, the mortgage is 716 days delinquent. Will another 716 days occur before The Bank acts? What can The Regulators do to expedite sale, stop The Bank fees, limit my need for counsel and emotional distress.
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| 06/19/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Servicemember |
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I opened a checking account at 5/3 bank in XXXX Kentucky around XX/XX/XXXX. I am on SSI social security benefits and had originally been using the XXXX XXXX card that was issued by the government handling the finances for my XXXX. upon opening the account I had many questions to compare the fees that will or will not be assessed with my new checking account and all the answers were what i needed to hear. I had asked about atm fee 's and was led to believe there would be none up to a certain amount. I had noticed a few months into said accout that a transaction had taken place from a XXXX XXXX. I called the bank and it was promptly taken care of. I then noticed after an incident with my XXXX credit card payment being returned XX/XX/XXXX I made contact with the bank and was under the impression it was to be handled. I waited patiently and XX/XX/XXXX I called both the bank and XXXX frustrated and ready for answers. I had never seen any of these mistakes on my 5/3 online statements so I was assuming the error to possibly be XXXX 's fault. upon calling them they made contact with the banking institution whom confirmed that the error was still on 5/3 behalf and i was confused. I called 5/3 again and from this point noticed a lot of things that made me more than confused. I noticed that when I opened my account I was also getting charges from a XXXX account that I have no idea of. letting 5/3 know of my new finding they have been very rude in fact they even went as far as to tell me the loss of my business would be of no regret. I have called numerous time talking to as many agents hoping to resolve this issue without having to change banks. I do not understand y I am being treated like this.the account that are manipulating my banking appears to be online fraud. 5/3 tell me that without a signed paper that I have never received they can not move into investigation. I beg the differ because they have already removed money that was tied to the XXXX issue on my account. I just want resolution. I had 5/3 back in XXXX 's as a small business owner and it was an amazing experience thus the reason I went back to them with my SSI hoping for a similar experience. This is not the case. I feel that because my account does not have the same kind of financial revenue that I am being treated less as a consumer. I can not believe otherwise. I am truely sorry that my income is fixed and my illness is the cause but I am greatly insulted that now I am below poverty level of income that the bank feels its ok to treat me at the level of poverty they feel I deserve. Please help reach out to then for resolution. I have monitored my online statements through the app and there shows nothing about the transactions in question they allowed several of my payments to be approved and then several days and weeks later they are returned as declined. I did not have these issues prior to nbanking with 5/3 they should not occur now.
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| 10/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2020, I received an unauthorized charge on my 5/3 credit card. I immediately contacted 5/3 bank and cancelled my card and ordered a new one. 5/3 credited the unauthorized charge of {$99.00}.
On XX/XX/2020, I received a notification that their investigation team found the charge to be legitimate. The information they received from the thief, through XXXX XXXX, consisted of a fake business name, fake business phone number with an area code that does not exist, and a fake business Email address that is from a known spam Email server ( XXXX ) from which major Email accounts such as XXXX, XXXX, and XXXX will not accept Email. They also received a screen shot of a XXXX tracking confirmation order that did not contain my name or address.
Had 5/3 done some actual investigation, they would have found the business name, business Email, and business phone number were all fakes. 5/3 made zero attempts to contact the business that was the supposed seller. If 5/3 would have contacted XXXX directly and inquired about the transaction number on the XXXX screenshot they received, they would have discovered the transaction number is connected to a purchase and delivery of an item, not from XXXX XXXX, but from XXXX, by a Mr. XXXX XXXX.
5/3 repeatedly presents fraudulent information received by a thief for the reason I am responsible for this unauthorized transaction. As 5/3 is currently being reprimanded by the FTC for opening fake accounts to deposit money stolen from their customers, their fraudulent activity is nothing new.
I, on the other hand, have more than six credit cards with XXXX balances on any of them.
I had delinquent account reports sent to all three credit bureaus over this unauthorized transaction. 5/3 went against the FTC by not adding a comment to the delinquency notice that I disagreed with the fraudulent charge. 5/3 broke their written contract to me by sending information to the credit bureau while ongoing investigations were taking place. They also went against FTC guidelines by not completing the investigation in 90 days. They went against Mastercards 100 % buyers protection policy by refusing to credit this fraudulent transaction, when I presented to them 100 % proof the transaction was fraudulent. And 5/3 committed fraud themselves by presenting false documents to any and all credit watchdogs made aware of this matter.
I supplied 5/3with definitive evidence that the tracking number they present as proof of my receipt of an item has nothing to do with me. I have also submitted this proof, along with police reports to those to whom it may concern, as 5/3 is only interested in submitting KNOWN fraudulent documents and breaking contracts in order to stay afloat for a few brief moments before their illegal business practices force them to close. They sealed their fate with their illegal actions. My only mistake was dealing with the thieves and liars that make up 5/3 bank.
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| 04/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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In XXXX of XXXX a sales representative from XXXX XXXX came to my home and gave a sales presentation to myself and my wife. My wife is a XXXX veteran and I am her XXXX. The sales representative is named XXXX XXXX. He was friendly and nice. He made it seem very easy and that the payments for the solar panels would be the exact same price at one low interest rate and would not change, unlike increasing electric rates. This seemed to offset the fact that XXXX XXXX charged twice as much as most solar companies, this low interest rate. XXXX took our information and very specifically said that no payments would be made until the entire installation was completed and that we would receive communication from the loan company to sign. We signed nothing. My wife signed nothing.
We were also told we would have to have trees removed for the solar panel install but that some of this money would be rebated to us.
Then in XXXX the panels were going to be placed on our roof but we needed the trees removed and trimmed back, we had to put that money forward ourselves. After the panels were placed on our roof the installation was not completed because an interconnectivity needs to be completed by the contractor. This is something XXXX XXXX even has listed on their website. They never completed the proper paperwork to have this completed. Our initial salesperson became unreachable. We could reach no one at their company. We received a form from Dividend Finance stating that the installation was complete to which my wife responded that this was not the case. Because installation never was completed and also, we never signed any loan forms also none of the loan terms were completely explained to us, at all. The fact that the interest rates increase and the fact that this finance company disguises balloon payments as " incentive payments '' was not agreeable to us at all. We did not even know who's name the loan was in until Dividend Finance emailed us a XXXX loan modification form, which was to my wife and she refused to sign it.
Despite receiving all of these reasoning in writing to Dividend Finance, they proceeded to draft money from our joint checking account. We contacted them and their was no way to remove our checking account information. My wife disputed the information with the credit bureau and they have put it back on.
Presently, we are in the end of XXXX beginning of XXXX, XXXX XXXX abandoned the solar project at our house. We informed them in writing to return the funds to Dividend Finance per FL statute title XXXII XXXX & XXXX in XX/XX/XXXX after it had been abandoned over 90 days. A copy can be seen on the XXXX it is complaint number XXXX. Despite all of this, Dividend Finance continues to steal money from my and my wife 's joint checking account. Please investigate them, I'm sure we are not the only people they are mishandling. I would like our funds returned and to be compensated. Thank you.
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| 01/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Recurring automatic payments established on the account were all processed with exception of the final payment.
I have been back and forth with Fifth Third Bank since XX/XX/2018, regarding the fact that they acknowledge quote/unquote, " We are in agreement with you, with regards to your reoccurring payment, it had been previously accepted and should have been accepted in XX/XX/2018, '' Had they accepted my XX/XX/2018, final reoccurring payment, we would not be having this complaint, along with all of the distress and adverse actions that I and my family have suffered due to this bank not accepting/processing my payments until which point they could create a 30-day delinquency entry on my credit bureau file report.
This information is not accurate ; there were two separate attempts to finalize the last payment, both prior to XX/XX/2018, and just as recently stated in an email from one, Ms. XXXX XXXX XXXX ... " ... the interruption in your payment is the only reason to remove the delinquency. '' Well, this was interrupted, and so, therefore, they need to remove this delinquency ( just as stated by her own words ). Why hasn't she? This has already cost me the recent opportunity to close on a new home, due to the blemish on my credit and fall of my FICO/credit scores resulting ...
I also certified them a letter in addition to several phone contacts, emails, and more. I have also been the subject of discrimination in the past with this institution, and believe this is much of the same, and I recently raised this issue again. Please examine their past track-record ( s ) as well as mine. I also will provide similar documentation as I have given them in advance, as well as been repeatedly cooperative, with no resolution yet in sight.
Lastly, allow me to also point out that just prior to the interruption in the reoccurring automatic payments, there had been an account number change, where, the original Platinum MasterCard number ending in # XXXX was changed to a new Trio Mastercard number ending in # XXXX. This change was not of my request or doing, and the interruption to ongoing payments not getting processed is an internal issue that I can not resolve for them. As a result, this posted delinquency to my credit file is long overdue to be removed and never should have been posted to my credit and all bureaus in the first place.
The bureaus have also been contacted and I will continue to escalate this right to the point of legal action if necessary until the corrections to their mistakes have been updated and removed from all of my credit bureau reports, and my credit is once again restored as it should have been previously, prior to this misrepresented and inaccurate information that was reported.
This is an attempt to hold any and all organizations liable, that have failed to enforce the correct reporting of my records and/or amending such, without further delay. Thank you.
|
| 04/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
|
You previously referred me to FHFA and apparently they have no specific department/section/division who is responsible to properly investigate my complaint.
This is an update of our original request for assistance from your office.
In a recent letter received from Ms. XXXX XXXX, representing Fifth-Third Bank in which she acknowledged receipt of our original home loan agreement. As she noted the language contained in the contract is void of any requirements for us to submit any type of contractor 's license, etc ... in addition to any receipts in reference to the repairs of our home. However, according to her, as the Service Provider for XXXX XXXX they are obligated to follow XXXX XXXX guidelines, regardless of what the terms and conditions contained in the above agreement.
XXXX XXXX, has refused to acknowledge and/or provide any additional direction or instruction to Fifth-Third Bank to include requested written communication regarding same.
It appears that XXXX XXXX is in cahoots with Fifth-Third Bank by unlawfully failing to abide by the terms and original agreement of our home loan. XXXX XXXX as also with malice has purposely refused to resolve this conflict and continues to point to their vendor as the agency responsible and Fifth-Bank points to XXXX XXXX as states they are only following XXXX XXXX guidelines.
XXXX XXXX, as well as Fifth-Third Bank, is unlawfully withholding the insurance proceeds received in this matter and is, therefore, causing an undue burden on and preventing the commencement of the needed repairs to our home.
Today I just received a phone call from a XXXX XXXX representative " XXXX '', who essentially advised that she had reviewed my complaint and concluded that she found nothing wrong with the way my claim was being processed. In fact she explained that everything was being conducted in accordance with their policy and service guidelines. When I asked her if she had reviewed the terms and condition of the original home loan, XXXX stated she had not and in fact admitted she did not have a copy of same. Apparently XXXX conclusions and opinions are solely based on presupposed assumptions, misinformation, a total lack of comprehension in contract law as well as what her vendor has communicated to her.
In other words XXXX XXXX and/or their vendor have not done anything wrong and are not going to change their minds, even though the original terms and conditions of the home loan are being violated and not adhere to.
When I requested that this complaint instead be referred to their legal department, she told me she would not do that because their legal department does not provide legal opinions to consumers! In fact, the request was not for me per se, but for them in that I was hoping that someone with some experience and knowledge of contract law could investigate this matter and could advise XXXX XXXX and/or Fifth-Third Bank accordingly.
|
| 06/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/XXXX I closed on a home in XXXX XXXX. My mortgage was purchased by Fifth Third Bank in XX/XX/XXXX. Included in the closing costs was escrowed homeowners insurance of {$1600.00} to be paid to XXXX XXXX XXXX.
I received and email from XXXX on XX/XX/XXXX stating the premium had not been paid. When I called them, they assured me my coverage was valid for at least 30 days while awaiting escrow payment.
I received another email from XXXX on XX/XX/XXXX stating the insurance premium had not been paid. I contacted Fifth Third Bank and was assured the payment would be mailed overnight to XXXX the next day.
I received yet another email from XXXX on XX/XX/XXXX stating my coverage was due to be terminated if payment was not received by XX/XX/XXXX. On XX/XX/XXXX I began making calls to both XXXX XXXX XXXX and Fifth Third Bank. Each time I called XXXX, the representative contacted Fifth Third and received assurance the payment would be overnighted the next day.
After each call to XXXX, I contacted Fifth Third on my own.
XX/XX/XXXX - XXXX in Customer Service - checked the system and saw the request for escrow payment, instructed me to call XXXX the following Wednesday ( XX/XX/XXXX ) to confirm payment was received.
XX/XX/XXXX - Checked my account at XXXX, no payment credited. Called Fifth Third Insurance Dept and spoke with XXXX. Both assured me the payment would be escalated and to call the following day to check. XX/XX/XXXX - Called Fifth Third Insurance Dept and spoke with XXXX. Escrow had not been sent yet. Spoke with XXXX. She informed me the escrow should go out the night of XX/XX/XXXX. Call to check the following day to verify. XX/XX/XXXX - Called Fifth Third Insurance Dept and spoke with XXXX. The payment was NOT sent on XX/XX/XXXX, and is scheduled to go out XX/XX/XXXX overnight. I asked to speak with a supervisor and was first told the supervisor was helping another customer, so I agreed to hold. After 10 minutes, I was told the supervisor was called into a meeting. I insisted I needed to speak with someone who could make a decision about my escrow and was put on hold again. I was eventually transferred to XXXX, a Team Lead, who explained the payment was scheduled to be overnighted on XX/XX/XXXX and there was nothing else he could do to arrange for an immediate payment.
At this point, my homeowners insurance is scheduled to be terminated tomorrow, XX/XX/XXXX. I am absolutely enraged about this situation and do n't know what to do other than pay the premium out of my own pocket and wait ( hope ) for a refund.
I will attempt to contact Fifth Third and opt out of escrow for homeowners insurance. However, I have made 3 payments which include an escrowed amount and may have difficulty having this refunded to me. I have already spoken with XXXX XXXX XXXX about paying them directly beginning next year.
XXXX XXXX XXXX has been nothing but helpful.
|
| 07/23/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
In XXXX I purchased a vacant lot in XXXX XXXX, FL for purposes of investment. The purchase price was {$340000.00}. I made a down payment of {$82000.00} and received a mortgage of {$260000.00} from Fifth Third Bank. Initially my monthly payments were {$1600.00}. I had hoped to sell the property within a relatively short time. It was at this time that, due to severe storms and other factors, that property values in Florida were dropping sharply. As a result I continued to make the payments in the hope that values would rebound.
In XXXX, XXXX Fifth Third Bank increased the payment amount to XXXX XXXX/month. At this time the country was experiencing a major financial crisis and property values XXXX were plummeting. I requested some relief and Fifth Third reduced my monthly payment to {$1000.00}. As the financial crisis deepened I approached Fifth Third seeking relief in the form of a short sale. In hindsight I am constantly regretting that I did not let the property go into foreclosure.
To summarize, a short sale was executed with the proceeds going to Fifth Third. I then, not being a sophisticated real estate investor, unwisely signed a promissory note for {$160000.00} with payments of $ XXXXmonth for 300 months beginning in XXXX, XXXX. At this time I was given verbal assurances that a lump sum payment ( at a greatly reduced amount ) could be made in the future to satisfy the agreement. I made the monthly payments faithfully for 10 years. During that time, as I was reviewing my documentation, I found a promissory note for another Fifth Third client which provided terms much more favorable than those provided to me. I contacted Fifth Third regarding this matter and was told that " each individual 's circumstances were different '' and that they would not be offering a revision of terms to me. At this time I asked about the possibility of a lump sum settlement. The " offer '' from Fifth Third was payment of the entire outstanding balance. Some deal!
This brings us to XXXX XXXX at which time I was concerned about my family situation. My oldest daughter has a XXXX year old son who has a XXXX XXXX which will confine him to a wheelchair for the remainder of his life. My son-in-law was faced with the possibility of job and income loss and I wanted to be able to provide financial assistance. The {$530.00} monthly payments to Fifth Third amount to approximately 15 % of my income. I made a written request to Fifth Third for a modification of terms. Their response was negative. I have suspended payments and Fifth Third has referred the matter to a collection agency.
I am XXXX years old, a Veteran and was XXXX last year with XXXX. I will greatly appreciate any assistance from the Consumer Financial Protection Bureau. I can provide substantial documentation relative to this matter including a copy of the promissory note which provided far more favorable terms to another client..
|
| 07/06/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
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On XX/XX/XXXX, my husband ( _________ ), and I _______ ), paid off in full, our mortgage with Fifth 3rd Bank. When we requested the payoff figure from Fifth 3rd Bank, we specifically made sure that we requested that they included all loan modifications that we made to our mortgage. We trusted Fifth Third Bank, to give us the total payoff figure of all the monies that were owed against our home so that my husband and I were no longer legally financially obligated to pay any more monies against our home. So, when Fifth Third Bank, gave us the total payoff figure of {$140000.00}, it was through our understanding that this was the total amount of our modified mortgage.
After my husband and I paid off the payoff figure, we received our mortgage release discharge and a copy of our deed. We believed that this was an indication that we were no longer legally financially obligated to the bank. and that we owned our house.
Fast forward ten months later, a letter from XXXX, that was addressed only to my husband and not dated, stated that we still owed {$28000.00}, against our house. I contacted XXXX, and they informed me that I have to contact Fifth Third Bank about this matter. Yet when I called Fifth Third Bank, they informed me that I needed to speak to XXXX.
I made numerous attempts to get this resolved through both agencies and neither one of these agencies will assist me because they feel that the other agency is responsible for this error. I reached out to Vice President XXXX XXXX, at Fifth Third Bank, on XX/XX/XXXX, XXXX and again, I was informed by Vice President XXXX XXXX XXXX that she was forwarding my issue to the complaint department. I am seeking assistance from anyone who is willing to help me with this matter.
On XX/XX/XXXX, I sent an e-mail to XXXX XXXX, Head of Residential Mortgage, at Fifth Third Bank, requesting his assistance regarding this mortgage issue and informed him of all the problems I had been having trying to get assistance from the staff at his bank.
On XX/XX/XXXX, I received a phone call from XXXX XXXX, Head of Mortgage, at Fifth Third Bank 's Complaint Department responding from email that I sent. While discussing the loan modification payoff, I asked XXXX XXXX about the money that HUD gave for the loan modifications. XXXX XXXX, responded that HUD, never gave Fifth Third Bank, any money what's so ever. I then asked XXXX XXXX how was this possible? Her response was for me to call XXXX, with no explanation. So I asked XXXX XXXX, for a detail break down of all the payouts concerning my loan and modifications. I stated to XXXX XXXX, that I requested a detail payment and all payments from XXXX to XX/XX/XXXX.
On XX/XX/XXXX, I spoke to XXXX, from FHA Department, who informed me that HUD received a loan amount of {$28000.00}, from Fifth Third Bank.
I am waiting for managers from different agencies because there is a discrepancy with both sides.
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| 05/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We initiated the mortgage loan process the first week of XX/XX/XXXX with Fifth Third Bank. Based on our credit score ( XXXX & above ) for both of us, the bank offered us 4.5 % at that time.
On XX/XX/XXXX, we were given a written letter from the bank with a locked in interest rate of 4.500 %, with an expiration date of XX/XX/XXXX. We decided to proceed with this loan and confirmed with the seller of closing date of XX/XX/XXXX.
Everything was going smooth until we got the CD ( closing disclosure ) from Fifth third bank on XX/XX/XXXX ( 3 days before closing ), were they changed the promised interest rate from 4.500 % to 5.25 %. This was not communicated with us verbally or in writing prior to that date and was a surprise to us. We inquired about this with the bank and did not get a satisfactory answer. The bank put us in a very difficult situation 3 days prior to our scheduled & confirmed closing.
Being that we are first time home buyers and after investing so much money, time and effort into this loan process we could not afford to back out from this at the last minute. We had already incurred many cost and paid deposit money to seller, application fee, inspection fee, appraisal fee, and all initial expense including the insurance.
Prior to closing date, we were told by Fifth Third Bank that we did not need to take any money to closing as we were eligible for some discount from the bank and get a refund check ( evidenced by an email sent by them to us ). This was also included in the CD ( closing disclosure ) sent out by the bank. When we reached the closing attorney 's office on closing date on XX/XX/XXXX, we were asked to pay {$1200.00} as closing charge which was never communicated to us verbally or in writing by the bank. We had no other choice and was rather in a bind and were forced to come up with the money 1 hour prior to closing time.
At the attorney 's office, we saw that all the documents had new interest rate. The documents were pre-dated, which were not clearly addressed/informed to us until 1 hour prior to the closing. We only received the updated closing document via email one and a hour prior to the closing time.
Also Fifth Third Bank initially told us that there was a 0.25 % discount on interest rate if we set up Fifth Third Bank checkings/savings account. Believing everything that they said- we did open the account. Unfortunately with the new rate ( which we were not aware of ), reflected a 0.25 % discount applied to it. We found that out when the attorney 's office called the bank during closing ( as we were signing documents ).
We feel cheated and forced into closing with the rate not disclosed to us and also forced us to pay over {$1200.00} which was never communicated to us verbally or in writing until few hours before the closing. The bank was clearly taking the advantage of us being novice home buyers and exploiting our situation.
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| 09/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have a mortgage loan with Fifth Third Bank. I have had this loan for several years. Initially inhad XXXX properties and XXXX loans with Fifth Third Bank but due to their sloppy recordkeeping, I had a four year battle with them over escrow payments for each of the XXXX accounts which they misappled or put into the wrong account. They never once took the time to straighten out the accounting of these accounts. The statements they sent were difficult to read and understand. After additional negotiation and what was an attempt to resolve the issue, they sent me XXXX " revised '' loan agreements. XXXX they left on original terms ( XXXX XXXX property ) and the other ( XXXX XXXX property ) they attached an additional {$15000.00} to the debt without any accounting verification or an appraisal of the property. They then renigged on their agreement of the XXXX property and said I would have to reapply for a new loan. When I objected they took the property through foreclosure. They stated that I owed over {$8000.00} on the loan when the actual amount was substantially less than that.
The XXXX XXXX property agreement payments, due to the increase in debt of {$15000.00}, went forward. In the XX/XX/2014 they threatened foreclosure again stating that exaggerated payments were due on the account. It took weeks to try to work it out with the final result being that their original claim of unpaid funds was NOT correct. They never gave a comlete accounting of why there were differences in the payments shown and due. They also charged me attorney fees for the foreclosure even though therecwas issues with their accounting.
Now once again they have not correctly accounted for payments. However, they threaten to foreclose on the property even though there isca dispute as to what is owed. This bank does not provide very good records andvit takes time to descipher what they have or have not posted. I have to go back to the various banks and see if all the checks were cashed, etc. They give me two weeks to try to verify all psyments and in this case I know they have not correctly posted all payments. However they are determined to take this property just as they did previously with the XXXX property without correct or complete accounting of the payments. I could not attach all documents but will be sending them by separate mail. Sorry but there are too mant documents to send forward. My current account number XXXX XXXX.
Unfortunately I dont have a specific bank contact at Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH. XXXX. The attorney handling the account for the bank on each of these occasions is XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, WV. XXXX, ( XXXX ) XXXX.
All I am trying to do is correct their accounting. I do not thinkmitvis fair that they can constantly threaten to forclose when their accounting is INCORRECT!!!!! Your assistance would be greatly appreciated.
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| 01/14/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I attempted to make a cash deposit if {$1600.00} at Fifth Third branch ATM XXXX at XXXX XXXX XXXX XXXX OH XXXX at XXXX XXXX local time. The cash is vital to my cash flow and fulfilling my obligations.
The ATM device accepted my stack of currency but apparently failed to tally the bills. For reference, there was XXXX {$5.00}, XXXX {$50.00}, and XXXX {$100.00} in my deposit. Subsequent to the failure to count the cash in my deposit, the ATM device then failed to return the " uncountable '' deposit. NO bills were returned to me by the ATM device. The ATM reported the failures on screen and requested that I enter the amount I had attempted to deposit, hence the amount shown on the ATM receipt - the image of which I'm attaching along with my complaint.
I inquired of the branch staff on duty inside the location. Teller XXXX took keys outside to the drive-up ATM, entered the enclosing structure and returned to the counter and only offered to provide me with the phone number to register a " Dispute '' regarding the failed deposit.
The representative on the line registered my dispute and informed me that the matter could take up to four business days to resolve. My explanation of the importance of the deposit to my cash-flow was received with no alternate solutions or course of action to be pursued - only the obligatory and useless " I'm sorry '' response.
Dissatisfied with the potential four day wait for resolution caused by the bank 's device, I re-entered the branch and spoke with XXXX, a bank representative of some sort, in his office. XXXX informed me that there was nothing to do but wait and that it could actually take up to FIVE business days. No regard for my situation, no other options were offered, no clue as to when the ATM would be audited - just the same " I'm sorry '' response, but with a hint of condescension.
I phoned Fifth Third customer service to lodge a formal complaint and in the course of providing the XXXX the sequence of events my plea to expedite were rejected. I expressed my complete dissatisfaction and was offered only the pat " I'm sorry '' response.
My fiscal situation is dire without the cash I deposited and I made this clear, I believe, to every Fifth Third employee/contractor I spoke with. With my failed deposit in a device 10 feet outside of the branch, which the branch staff clearly has access to, I find it very, VERY difficult to tolerate the notion that my CASH deposit is going to be unavailable to me for a week due to the technical failure of that bank 's device. A person will ultimately be the one to establish what the ATM held from my failed deposit - the bank essentially has told me that it will be taken care of when they get around to it, that my situation is unimportant, and tasking someone to sort the matter out at a time earlier than is convenient to the bank was not going to happen, regardless how I'm being affected
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| 07/17/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
Older American, Servicemember |
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On XX/XX/XXXX I called Fifth Third Bank at XXXX. I attempted to close my bank accounts. I had XXXX accounts, a personal, a business and a savings. The agent told me I had to empty the accounts to zero before they could close them. They also told me I had to go to the Bank XXXX XXXX XXXX to explain why I wanted to close because this number does not handle business accounts or complaints.
On XXXX, I went to the bank and found there was construction. I parked a block away and as an XXXX XXXX XXXX handicapped person, I walked to the door to find a note stating the lobby was closed.
On XX/XX/XXXX, a payment was completed by XXXX XXXX to XXXX XXXX. I never autorized the payment and the credit card number was charged from a 6 month old form I had filled out to XXXX. I was Never notified about this payment, I never got a text as I was supposed to and I never was given the opportunity to deny it.
On XX/XX/XXXX, I discovered the charge on my own, as well as the fee of {$37.00} charged against me. I called Fifth Third and was told there was nothing they could do since I had an overdraft authorization on file. I immediatly told the agent to cancel that and they said they could NOT.
On XX/XX/XXXX I saw the situation had Not been fixed and I deposited {$850.00} to cover negative balances. Again I called the banking center and was transferred to the business account center. I was told they had also had a withdrawal against my business account. I said there were sufficient funds to cover all of that and to close my accounts. I was told the accounts would NOT be closed until the check had cleared and all accounts had a XXXX balance.. It was then I discovered they had charged an additional {$49.00}, {$37.00}, and {$25.00} on this account as well as {$72.00} and {$8.00} and {$37.00}, and {$16.00} and {$7.00} and {$11.00} and {$11.00}, and {$11.00} and {$8.00} on XX/XX/XXXX and {$8.00} on XX/XX/XXXX.
By calling XXXX more times between XX/XX/XXXX and XXXX, I was able to get XXXX of these charges reversed.
My deposit of XX/XX/XXXX is being HELD since then, even though it cleared my external checking account on XX/XX/XXXX. They are still adding daily fees and refuse to answer me or fix the problem.
This entire p [ roblem arrises from Fifth Third Banks problems as ; XXXX XXXX paid a charge as an overdraft without notifying me.
XXXX XXXX refused to close, freeze, or act on the problems when I asked.
XXXX The system is automated and every employee says they are not empowered to fix the problem I need clarification on why my check is being " Investigated '' so long, and clear instructions on how to close these accounts and a stop to XXXX written letters from Fifth Third threatening me with " Further Action including reporting me to the credit XXXX and taking action as appropriate to collect these debts. The latest letters were recieved on Monday, XX/XX/XXXX at XXXX, XXXX letters.
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| 01/26/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX I was in the city that I live in and got gas at a local gas station using my debit card at approximately XXXX XXXX when getting gas I was asked to put in my PIN number, as usual, and I did. About XXXX minutes later ( XXXX ) I recieved a text from my bank asking if a purchase at XXXX XXXX XXXX had been made by me, and I did not have my phone at the time so I replied at XXXX with NO which was the prompted answer. I then called the bank and blocked my card and also filed a dispute. In total {$560.00} was taken ( in increments of {$80.00} ) with description XXXX XXXX at XXXX XXXX XXXX, XXXX Ohio, {$240.00} in 3 increments of {$82.00} at XXXX XXXX XXXX XXXX XXXX XXXX, and then {$600.00} at a XXXX on XXXX XXXX XXXX ( the same address as the original withdrawl. When I filed my dispute Fifth Third told me that they would grant me provisional credit for the disputed items while the case was investigated. When this provisional credit was granted it was only for the {$500.00} for the XXXX withdrawl at the XXXX XXXX XXXX but not the other charges. I called and explained this and the bank said that they did not realize the other charges were fraudulent and then opened another dispute for the rest of the charges. In received a letter dated XX/XX/XXXX saying that my dispute for the {$500.00} charges had been completed and there had been no findings. On XX/XX/XXXX, {$850.00} was taken out of my account with the description reversal of provisional credit. That is the money that was included in my second dispute. I called fifth third who put me on the line with a dispute XXXX who explained that the dispute had been denied because the charges in XXXX had used my PIN. I explained to her that I purchased gas at XXXX XXXX on XX/XX/XXXX and that I had received the text from them at XXXX XXXX to alert me to the fraud. The fraud that they had alerted my to was after many of the purchases were made, which I have to assume had occurred in the moments prior. XXXX, Ohio ( where I got gas ) and XXXX, Ohio ( where the purchases were made, are 1 hour and 30 minutes apart, so there is no physical way that I could have gotten gas using my card in XXXX at XXXX and then made it it XXXX by XXXX. Also, the dispute that did get accepted included purchases made at the same address ( XXXX XXXX XXXX XXXX, Ohio ) as the dispute that got denied. The dispute that got accepted had charges that stated a XXXX XXXX at this address, and the dispute that got denied listed a XXXX at the exact same address. The XXXX at fifth third also said that they had record that I had authorized the purchases when they contacted me, but I have screenshots on my phone that record me saying NO when asked if one of the charges was me. She advised I emailed fifth third explaining this in writing and I did on XX/XX/XXXX ( I asked for confirmation when they received the email ), and I had no response.
Thank you
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| 07/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I first noticed this approximately late XXXX, i would get locked out of my online account and have to call the bank and have them reset my access to the account to make a deposit from my savings account. Then by early to mid XXXX it had gotten to the point i would have to call bank fraud department to have my access restored. this is where it got really inconvenient as bank fraud was only open XXXX to XXXX and was much harder to get through to, for me. it went from having to call once a month to having to call just to have 10 min of access to the account. this continued to progress even as i complained, to the point when i called and had my access restored i would have 10 min. until it would time me out, then i would have to call bank fraud again. this was some kind of new security measure is what i was told yet no one could tell me why i was getting flagged every time i logged in after telling me they fixed it several times, i could tell the girls at my local branch were tired of me calling every day to get access to my account as covid took hold it became much harder to run to XXXX XXXX then run to fifth third to deposit money. XXXX is where my mmda account is and where i transferred money into the fifth third account from. once the lockdown took place this became way more complicated than just running to each bank to make a deposit. for the last few months at fifth third the girl at my branch set up a e mail if my balance went below XXXX dollars, and i would hurry to walk a deposit over. they would wave the overdraft fees and try some new way to fix the problem. then it seemed to me money was missing from the account, having so much activity and all the chaos with trying to view the activity by this time i only had the 10 min time before it logged me out and i would have to go through the hole process to get another 10 min to view the account. I found out that money was missing and they had charged me for overdraft fees, having only the 10 min i was unable to go through the account fully to find the missing money. i was also getting ready to go in for XXXX XXXX at this time, i opened an account at a different bank. i sent fifth third several letters asking for help but with covid there was little in person help and over the phone help had gotten way harder. so i sent letters and figured they would get to me when things calmed down. then a few weeks ago i received a notice from a collection agency .that was the first letter i had gotten at all from any response from fifth third. i had no idea they were saying i owed them money this seemed ridiculous giving the circumstances. i had sent so many letters and gotten no response, then this so i called to resolve it and got no where. i should have many of the phone calls recorded i am going to begin to look for them. i would like my credit restored with an apology written and i would like my money back.
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| 09/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I previously submitted a complaint relating to a fraudulent $ XXXXcharge posted to my account by 5/3rd as part of their Ready Reserve Overdraft , a service I never enrolled in, nor did I authorize. 5/3rd refused to remove the charge insisting that I had enrolled in the Ready Reserve Program however , they were unable to provide evidence of this and indicated that federal law only required they require documentation for 7 years and that the enrollment must have occurred prior to this. Prior transactions confirm this is a false statement, and 5/3rd 's executive office had reviewed these transactions in an effort to demonstrate that I had in fact enrolled in the program and that it had been in place for quite some time, however, when they reviewed the transactions and found that the past overdrafts did not confirm this they mislead your office and continued to misrepresent that I had enrolled in the program and that they simply didn't have the historical documentation. They do not have the documentation because I never enrolled in the program.
The new issue relates to an attempt 5/3rd made to transfer the funds without my authorization from checking account to cover their fraudulent charge. I was previously enrolled in autopayment however, I deactivated this after 5/3rd refused to remove their fraudulent charge from my account on approximately XX/XX/XXXX. After deactivating autopayment no autopayment was made in XXXX, however, on XX/XX/XXXX 5/3rd attempted to make an autopayment from my checking account in the amount of {$6200.00}. I had proactively withdrawn most of my funds from these 5/3rd accounts assuming this unethical organization may attempt something like this and thus there weren't sufficient funds to cover the transaction and thus it was eventually reversed. I had closed out the affected 5/3rd credit card on XX/XX/XXXX and remitted payment for the account balance however, 5/3rd has now reversed the payment after the account was closed reposting this to the credit card.
5/3rd is also attempting to charge me interest on this fraudulent charge. You can not charge interest on a fraudulent charge a customer did not authorize, and if the charge wasn't authorized it wouldn't be subject to the terms of the credit card.
Again the {$5500.00} is a fraudulent and unauthorized charge 5/3rd has posted to my account which I have attempted to dispute and fully demonstrated to 5/3rd that I never enrolled in the Ready Reserve Overdraft program yet they continue to falsely claim I did. I have advised them that I will not be remitting payment for this fraudulent and unauthorized transaction and that should they falsely report this to the credit bureaus I will be disputing the false claims on these grounds and will be suing them for false reporting and any financial damages/losses I incur in association with this including any increased costs of financing.
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| 10/03/2022 |
Yes |
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- Trouble during payment process
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Web |
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I have had an on going problem with 5th 3rd Bank for 2 years now. I would receive notification that I missed a payment, which I had paid. I would take copies of my canceled checks to the local branch and they would compare my records with account. They told me on five different occasions that for some reason my payments would go into an account and placed on hold and not being applied to my mortgage. On the previous five occasions they would figure it out and within a month or two we would have to go through the process again.
On Tuesday XX/XX/XXXX I had an appointment at XXXX XXXX XXXX in XXXX XXXX Indiana with XXXX XXXX, because my payments were not being applied to my loan again. XXXX compared our records and stated he didn't understand why it was showing a non payment as he was looking at my canceled checks. She stated I needed to talk to his supervisor XXXX XXXX because he did not know how to fix it. XXXX was not in the office that day so I had to make another appointment for XX/XX/XXXX.
XXXX got extremely aggravated when speaking to me and started belittling me. She stated my account was a mess and I'm missing payments. Her and I got into a verbal argument over this situation. I explained to her that this is ongoing and I didn't need to be talked down to, that I am the one leaving work early and wasting my time to resolve the problem. I made a complaint with 5th 3rd Bank due to her lack of professionalism.
On Thursday XX/XX/XXXX XXXX XXXX contacted me and began to assist me in this matter. XXXX said I was missing three payments between XX/XX/XXXX and XX/XX/XXXX. I provided her with canceled checks from XX/XX/XXXX to XX/XX/XXXX and every month was accounted for. For unknown reasons XXXX quit contacting me and her voice mail stated she was out of the office.
Around XX/XX/XXXX XXXX XXXX contacted me and stated she would be handling my case. She stated I didn't pay two month in XXXX ( which were different than XXXX stated ). I provided her with the same canceled checks showing my mortgage was paid. XXXX stated she spoke to her supervisor ( unknown name ) and they were turning my case over to the Mortgage Research Department.
I have contacted XXXX several times since XXXX of XXXX trying to fine out the status on my account and she says it out of her hands. She stated they will contact me with information when it's available. The only number she provided me was an XXXX number that is nothing but a customer service number and I got to repeat this whole thing.
My monthly statements are showing me 30 days late ever month with late fees. My credit is receiving negative marks for being late every month and I can not get anyone to help me. They all act like they want to help until I provided proof of payments for every month they request. Please help me resolve this, eliminate my late fees and fix my credit.
Thank you, XXXX XXXX XXXX
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| 07/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I filed my original complaint in XX/XX/XXXX. The complaint was a 2 part, and within that 2 part complaint, 1 was resolved. The other Fifth Third states they resolved, but I do not agree with the final resolution.
I applied online XX/XX/XXXX for a hardship program that would allow me to lower my monthly payment and interest rate. This resulted in being approved for a XXXX XXXX monthly payment. For my last complaint I was advised that when I entered the hardship assistance program my account was past due {$40.00}, which identified as a LATE FEE. Nowhere during my application process was I told I had a late fee. However, when I called later after I identified that Fifth Third reported me delinquent for XXXX, XXXX, XXXX and XXXX, that if I had applied through customer service, they would have told me by phone that I had a late fee, but that option is not given through the online application process.
According to my previous complaint, Fifth Third states there was a payment offer screen displayed during the application process. I do not recall this payment screen ( as I would have made the {$40.00} late payment ) and Fifth Third can not provide me a copy of the disclosure/agreement that I agreed to online. I have and in my previous complaint, stated that I have asked Fifth Third, now 10 times for a copy of this agreement, and still have yet to be given a copy. It is their word against mine. I have even tried to go back in to apply for another hardship program, but the website states " To discuss your account, please call us at XXXX to talk about your financial situation and explore options. '' Meaning- I can not show that there was or was not a payment screen that populated during the application process. To me, with my original complaint caused the online application to be looked at and it was fixed.
I have been a XXXX holder with Fifth Third since XXXX when I was an XXXX, and in the past, haven't had any issues with reporting ( minus one issue in XXXX? ). I have always paid my balance due, and even included late fees when assessed. I wouldn't let this go delinquent knowing if I had a late fee to pay.
I believe that the online application process was falsely advertised and caused me financial harm in the process.
I want to be given a copy of the agreement that I applied for online. I am required to be given one if I ask. I have not received any agreement to this application/program and even was not given a copy at the time of application.
When I spoke with the last individual who handled my complaint, she said she couldn't give me a copy, but it was an image given to her of the " pop up screen. '' I was given a copy of " Important Information Regarding Your Account Payment '' and within this document, it does NOT state anything regarding " If your account is past due, hardship assistance will not change that. '' I dispute this whole thing.
|
| 11/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American, Servicemember |
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After obtaining a home mortgage from Fifth Third Bank in XXXX XXXX, and closing with extreme difficulties and delays on XX/XX/XXXX, we had filed our complaint with your department. They responded on XX/XX/XXXX, after two months, with a letter justifying their delays & errors. They included a gift card for all of our troubles. Now, here we are almost a year later, with our money in escrow, we are hopeful that our homeowner 's insurance and property taxes will be paid by Fifth Third. We received our homeowner 's renewal dated XX/XX/XXXX, indicating that Fifth Third as a mortgagee, along with their address in XXXX and our loan number. What could go wrong? Well.. .yesterday, XX/XX/XXXX, we received a reminder from our insurance company that no premiom has been received for the XX/XX/XXXX renewal. I contacted the insurance company by telephone & they confirmed thar the annual premium is yet unpaid. I went to a local Fifth Third branch office on XXXX XXXX. in XXXX XXXX, who made a phone call to a mortgage department in either XXXX or XXXX. They would not talk to the personal banker to verify if the escrow dept. had the correct information regarding our insurance company. The banker gave me an XXXX number to call. I called this number, it was n't the correct department, so I was transferred to another person, still not the correct area, so I was transferred a third time, was cut off, started the process again. After talking to XXXX different people, finally spoke to a XXXX, who works for a firm hired by Fifth Third to pay homeowner premiums ( not a Fifth Third employee, but by far the most helpful ). She looked up our account and said due to Fifth Third recently hiring their firm on XX/XX/XXXX, oor renewal declarations and invoice were NOT sent to their company. Could I contact my insurance company or copy my renewal declarations and send to this contract company so they could begin to process a payment that HOPEFULLY would get to the insurance company prior to XX/XX/XXXX?!? I did not create this error, Fifth Third is responsible and once again, I am doing the follow up due to their internal processing errors. The rep ( part of a call center that I can not talk to again ) said she would call our homeowner insurance company to ask them to AGAIN resubmit our declarations and invoice. No guarantee this will happen, so I must domy own followups to both the insurance company and Fufth Third. If I had n't gone tothe Fifth Third branch or called and FINALLY got to the correct person, I would 've assumed that Fifth Third was going to pay our renewal premium. There is no guarantee that this will happen before our policy renews on XX/XX/XXXX. Now I am concerned that our property taxes wo n't be paid on XX/XX/XXXX. I will have to start calling again to insure that they have received the same notice we have received. Is no one accountable at Fifth Third Bank?
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| 03/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Dear Sir or Madam : On XX/XX/2023, I was shocked to discover that a fictitious named person had unlawfully used my Fifth Third Bank, XXXX XXXX XXXX business debit card numbers and secure security code ; in order to make a fraudulent purchase from XXXX XXXX web application in the amount of {$3.00} without my lawful authorization. See Exhibit A.
Please keep in mind, I have rarely used my Fifth Third Bank, XXXX XXXX XXXX business debit card to make any personal purchases, so I was perplexed, as to how this fictitious named person had obtained my Fifth Third Bank, XXXX XXXX XXXX business debit card detail information. After, I had carefully analyzed my fraudulent activity from the fictitious named person onto my Fifth Third Bank, XXXX XXXX XXXX business debit card, and I have determined two possible scenarios, as to how the fictitious named person had made this XXXX XXXX fraudulent activity onto my Fifth Third Bank, XXXX XXXX XXXX business debit card have occurred either : 1. An employee at the United State Postal Service ( USPS ) jurisdictional facility had intentionally, unlawfully, knowingly, and willfully opened my Fifth Third Bank, XXXX XXXX XXXX business debit card envelope then wrote down my Fifth Third Bank, XXXX XXXX XXXX business debit card numbers and secure security code information, and the USPS employee had resealed it with a difference envelope before delivery it to my residential address ; in order to caused fraudulent activity onto my Fifth Third Bank, XXXX XXXX XXXX business debit card for fraudulent use at a later date such as, XX/XX/2023 ; or XXXX. An assailant had unlawfully trespassed against me while I was asleep, and gone into my XXXX XXXX XXXX, and the assailant had unlawfully accessed my personal wallet ; in order to obtain my Fifth Third Bank, XXXX XXXX XXXX business debit card numbers and secure security code for fraudulent use dated on XX/XX/2023.
However, I had taken immediate action by way of contacting my Fifth Third Banks customer service representative straight away and I had cancelled my Fifth Third Bank, XXXX XXXX XXXX business debit card and I have disputed the XXXX XXXX transactional charges in the amount of {$3.00} made by the fictitious name person before any more damage could be done. When I became aware of the fraudulent charge made by the fictitious named person against my Fifth Third Bank, XXXX XXXX XXXX business debit card without my lawful authority. It is extremely unsettling and unnerving to know that the fictitious named person had my Fifth Third Bank, XXXX XXXX XXXX business debit card details information for such a long period of time and used it to commit fraud.
I trust Fifth Third Bank will take the necessary action to investigate how my Fifth Third Bank, XXXX XXXX XXXX business debit card was unlawfully accessed by a fictitious named person.
Respectfully Submitted, XXXX XXXX XXXX
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| 01/09/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I have been trying to work with Fifth Third Bank for over 1 year now and still they are not processing my paperwork correctly. I have had to contact the President of the bank on several occasions and until I have done that I have not been able to get any response. I started trying to get a modification to my mortgage in XXXX of 2014 and used an agency by the name of XXXX XXXX XXXX in XXXX, PA and Fifth Third Bank did not respond to them. However I was told by the bank representative that they do n't work with third party agencies. During the last modification process which was in XXXX I was told by the representative of the bank that I needed to forward all income and that was done, however all of my income was not used and therefore they denied my modification for several reasons. The first reason is that they said my illness was not a legitimate illness for me to have lost my job and secondly that my income did not fit the proper amount, third that my credit report from the credit agencies was not favorable in order for them to do this. I forwarded another letter to the bank 's representatives and explained the situation and was contact by XXXX XXXX XXXX who advised me to forward the remaining documents for financials and that was done in XXXX. At that time I was told by her that I would have to continue the process all over again even though it was handled poorly and improperly by the bank. I told her that I should have to do this, but am forced to do this anyway if I want the modification to go through. I have not contact the XXXX in XXXX in order to get additional help in trying to resolve this situation. Fifth Third Bank has tried to foreclose on my home twice this year. One resulted in them having to recend the judgement because it was noted that they filed prematurely. Second is now when they are trying to start the foreclosure process again using some incorrect and outdated information forwarded to this week. I have forwarded the information down to the XXXX so that we will be able to work together to straighten out this information. In the copies of the documents that the bank forwarded to me this week, they state incorrect information and therefore they are seeking a judgement on the pretence of the wrong information. I have been struggling with Fifth Third Bank for far too long with respect to this issue. It takes the 6 months or so to respond to people who want to obtain modifications and I have documents to substantiate this claim and by the time the respond, you are in the foreclosure process which they seek late fees and damages which they would otherwise not get if they would do things properly. I have hundreds of documents that ca n't be attached to this online complaint and, this is not the entire problem but it is enough to help us get started. Please have someone contact me soon as I do not have much time. Thanks
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| 11/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Problem # 1 - Since early of XXXX, I started having numerous fraudulant/unathorized charges on my checking account. Of course I would dispute them, the bank would take care of it and reimburse me. At first did not seem to be a big issue. But as ytime went on, I began to realize that this was happening a lot. There came a time where I spent more time waiting on a new card, changing auto bill pay, then actually using the card. I asked about closing this sccount entirely, but was told that was not possible, as there were open disputes ( Which there seemed to always be for over a year ). There were even instances where I would call pertaining to a charge I did not make, they cancelled my card, sent a new one, and the very next month there was again another charge from The same company! This really got me worried when I started receiving multiple letters and notices about my information involved in data leaks. I attempted to talk to a banker regarding this matter, the banker " missed '' two meetings in a row. Almost as if she really wanted to avoid this meeting... I'mstill unsure as to why. I wrote her an email stating my concerns, she wrote back seemingly absolving herself of any wrong doing and tries to pass me on to a different person. At this point I was ready to just leave the bank entirely ; but of course I could not with pending disputes and transactions.
Problem # 2 - After all this started to happen, I then noticed that my savings accounthad complely disapeared from online banking site, as well as app. I've gotten a few different answers and reasons as to why, i.e. " The app hasnt totally migrated yet, '' etc.. This is VERY unsettleing considering this account started with over {$90000.00} in it earlier that year, and has dwindled to nothing. Bringing me to Problem # 3 - Overdraft fees Overdrafft fees and more Overdraft fees... So many Its hard to count ... .YET, ON ALL MY BANKING STRATEMENTS, THE BEGINNING BALANCE, ENDING BALANCE AND EVEN DAILY BALANCES LISTED ON THE STATEMENT NEVER SHOW OR REFLECT A NEGATIVE BALANCE, ALMOSE AS IF TO MISLEAD SOMEONE CHECKING THEIR BALANCE. This add up to hundreds of dollars ( not to mention the fact I can not get an answer as to why there was no interest paid on that account ), and now this account has ended suddenly, with a single dispute ( mind you Ive counted I beleive at least 13, where they denied this one dispute ( Which happened to be the largest on financialy ) ), only to lead my account so far into the negative I could not recover it. I has now neen " charged off '' They tell me, with " open disputes '' still occurring on it and credits coming back to it as I write this. I really think there are errors that I also have missed at this point, but I'm no banker and I'm exhausted trying to get answers. They will " fix '' my missing account, only to have it disappear again...
Please Help
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| 08/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX XXXX XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means.
You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.
18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
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| 04/27/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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We are processing a short sale wi th Fifth Third B ank. On XXXX XXXX , XXXX , they issued a counter offer of {$190000.00}, and we initiated a value dispute. On XXXX XXXX , the value dispute was completed and the market value was reduced to {$170000.00}, which is the EXACT amount of our offer. I asked if we could proceed with this offer and received no response. I emailed our representative XXXX XXXX again on XXXX XXXX asking if we can proceed and received no response. On XXXX XXXX , I calle d 5th 3rd and spoke to XXXX ID # XXXX . She confirmed value of {$170000.00}, but showed nothing more recent than last week so reached out to the " specialist '' working on the loan/offer. He could n't reach him but gave me his direct contact info for XXXX XXXX yet again. On XXXX XXXX , I emailed XXXX XXXX asking if we can proceed with the offer and copied his supervisor XXXX XXXX . I FINALLY received a response from XXXX indicating the " investor '' has reduced some fees, but did NOT indicate who the investor is. I emailed him back requesting this information, but AGAIN no response. On XXXX XXXX , I emailed XXXX the requested documentation and informed him I did not have approval to reduce the fees, since we were not informed of the investor. I received the following response from XXXX , " The review on the file is halted until the settlement statement has been adjusted to allow for investor review. '' When I asked him to clarify this statement. He responded, " Until the seller provides a settlement statement that meets with the investor guidelines and directives then I do not see what can be done at this point? '' I c alled 5th 3rd to s ee who the investor is. I spoke with XXXX and asked for XXXX XXXX ' supervisor since it took him a month to return my phone calls or emails and they want me to cut our fees in half without giving me any information as to who the investor is. I was transferred to XXXX XXXX , she said the investor is XXXX XXXX , and she will have XXXX XXXX call me back regarding the delayed responses from XXXX . I subsequently received approval to reduce the fees and sent the revised settlement statemen t to 5th 3rd . XXXX XXXX did not return my phone call and instead sent me an email indicating he would contact me on XXXX XXXX . He did not call me and when I emailed him to find out when we could speak he insisted he DID call me. And argued that my loan number was wrong and he could n't find the file. I asked him to call me so that I could provide the SSN instead and he said he would have to do this tomorrow. I called in, trying to get in contact with someone who can discuss this file with me and aft er 40 min utes on hold, I was informed no one is available and I will have to leave yet another voicemail. It is completely unacceptable to refuse to communicate.
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| 08/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means.
You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.
18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
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| 05/31/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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|
Web |
Older American |
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I am XXXX XXXX XXXX. Have health issues. Provided my son a list of creditors, banks, a brokerage house. When I die, he 'll be able to communicate ; close accounts. Receive in return, outstanding investments. I created this policy at least a year ago. From time to time, contact creditors and such, to verify that the information I provided my son is accurate. XXXX XXXX XXXX, I entered Fifth Third Bank, XXXX XXXX XXXX, XXXX, FL XXXX. Ph. # XXXX XXXX. Communicated with XXXX XXXX, Personal Banker II. Ask that he update procedures ; what my son most provide / accomplish, to close my checking account when I die. Was informed, ''-Send a copy of the death certificate. '' I was astounded. Asked if it need be a copy or an original death certificate. '' The response, ''-A copy is fine. '' XXXX XXXX indicated that my son is the designated beneficiary.. Mentioned, ''-we do n't have his social security number. We 'll need that. '' Was told to come back after lunch as XXXX XXXX 's lunch hour approached .... some 30 to 40 minutes later. ( For the record, I am a seven minute ride, give or take from this office. ) Upon arriving home I reviewed my documents ; Fifth Third Bank ; Policies/Procedures. Discovered when I opened the account I was instructed, when my son contacts the bank to close the account, he must provide an Original Death Certificate, a copy of his drivers license and a notarized letter indicating he is the beneficiary. What he wants the bank to do to fulfill his requests. Upon returning to the desk of XXXX XXXX, I mentioned my discovery, as mentioned above. He replied, ''-well, yeah. That would be useful as well. '' When I asked why the person who opened the account did n't request my son 's social security number, he simply could not explain why. Upon leaving this bank, I went to a XXXX location. Shared with a representative what I mentioned to you. The Representative stated, ''-there is no reason why you would have to surrender your son 's social security number to him. '' Woa! I realized that my notes ; Policies and Procedures, concerning clearing the account, that XXXX XXXX did NOT indicate that my son must present his Soc. Secur. Card. THERE IS LEGITIMATE REASON WHY XXXX XXXX DEMANDED THE SOCIAL SECURITY NUMBER OF MY SON! I phoned Fifth Third Bank-HQ this morning. No one provided Policy & Procedures. Demanded that my son 's Soc. Secur. number be purged from 5th 3rd. computer. Was told I 'd be contacted within 24-48 hours. I stated that I receive a letter indicating my son 's Soc. Secur. number was purged. I AM horrified. Dejected. Believe I put my son 's security / life and his family 's in HARMS WAY! Help me! I believe I have been intentionally deceived. Do what must be accomplished. Thank you. XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX Ph # XXXX XXXX Screen name ; XXXX
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| 07/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was an authorized user on a Fifth-Third credit card. I never applied for the credit nor did I authorize use of my credit information for the card nor did I authorize release of this information to an credit reporting agency. I never agreed to any of the terms or conditions of the card nor did I sign any contract. Since XX/XX/2018, I have requested to be removed as an authorized user so that this no longer showed on my credit report. Initially Fifth-Third refused to remove me as authorized user when I made the request more than 4 months ago. This account continues to be reported on my credit scores despite my request that it be removed. I sent a letter on XX/XX/2018, formally requesting a copy of my credit application and verification of all accounts which Fifth-Third has associated to me, how Fifth-Third has the account associated to me, and confirmation of which accounts are reported to any credit reporting agency.
Fifth-Third acknowledged the receipt of the letter but has refused to provide any of the requested in formation in the last 30 days. A local representative " XXXX '' advised the matter was sent to " legal '' and that there is a memo that Fifth-Third was to remove the credit reporting history. To date this has not occurred despite the fact that this was originally requested more than 5 months ago. It appears that Fifth-Third was attempting to hold me liable as joint account holder and illegally refusing to remove me as authorized user on this account for which I never applied.
To further matters, on Thursday, XX/XX/2018, I received in the mail two new cards for this account or potentially another account for which I have never applied. It is unknown to me whether Fifth-Third always sends cards to people who never applied for credit, or whether the individuals named on the cards fraudulently applied for credit using my information which was why the cards were mailed to my address.
I have pristine credit and Fifth-Third 's refusal to correct its error in reporting, its intentional or negligent handling of the account, its refusal to remove/close an account which it reports to credit agencies despite the fact I never applied for the credit or consented to the terms any credit contract, and the fact that I am told by local employees that I " have no accounts '' with Fifth-Third and that any history of reporting will be " wiped, '' has caused extreme aggravation. Further, continually opening accounts without my consent, refusing to close or remove me from accounts, and lying about removal from any credit reporting history has detrimentally affected my credit score causing severe damage for me personally and my ability to run my sole proprietorship business.
I need Fifth-Third to respond to my originally requests and for all accounts to be removed from credit history as it states that I have no accounts with it.
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| 07/02/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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In XXXX, XXXX I was searching online for an affordable small business merchant account to accept debit/credit cards. I put my contact information online and XXXX XXXX XXXX an Agent of XXXX XXXX XXXX XXXX ( See Attachment # 1 with his company contact info including office and cell numbers ) called me within an hour of my query. Later that day, he emailed me the prepopulated merchant application based on my responses to his questions during that call. I got no other documents to sign to complete that application which clearly stated fees of only {$19.00} annually and a monthly fee of {$25.00}. XXXX XXXX XXXX XXXX is the merchant It sounded perfect so I signed and digitally sent back the merchant account application. The following month ( XX/XX/XXXX ) they debited {$71.00} from my account as a fee. I immediately called XXXX XXXX who stated that they would correct that error. I waited but no correction was made in spite of numerous phone calls to XXXX XXXX. The following month ( XXXX, XXXX ) they debited {$71.00} from my business bank account again. At that point, XXXX stopped taking my calls and did not respond to me voicemails or emails to correct the issue.
I then contacted my bank to block any further payments to them. The XXXX payment was reversed and the XXXX, XXXX was blocked.
On XX/XX/XXXX I completed their Closure Request Form and emailed it to XXXX per the instruction on the header of that form. ( See Attachment # 2 ). I also faxed that Closure Request form to the fax number on form header. ( See Attachment # 3 - proof of fax ) On XX/XX/XXXX I emailed XXXX XXXX notifying him that I cancelled my account and once again wanted those fees refunded ( See Attachment # 4 ) On XX/XX/XXXX, XXXX XXXX responded to my message instructing me to Fill out the form and return it. XXXX said when its returned your account will be refunded. ( See Attachment # 5 ) Instead of refunding my account, XXXX XXXX put an unpaid debt on my credit report in the amount of {$630.00}. Over the years I have disputed this bogus debt every year since XXXX. Each time they reply that the debt is valid. They subsequently sold the debt to a collection Agency and as of XX/XX/XXXX XXXX XXXX XXXX claims I have a {$770.00} unpaid debt.
PLEASE HELP right this wrong. By law, I owe them nothing because 1. I sent in their Cancellation Form stating clearly NO FEE & refunding ALL charges ( See Exhibit 4 and 5 ) 2. I never signed off or agreed to Early Termination Fee nor received the Merchant Processing Terms & Conditions to sign and its Paragraph 23. In spite of that language which was obviously inserted when I requested a copy of documents to dispute this error on my credit report. { see language that I highlighted in Exhibit # 2 ) 3. They exploited me and this fraud is causing me hardship and holding me back in my financial life during this worldwide Pandemic.
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| 07/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
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Web |
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I had a car loan with 5/3rd Bank which they sent me booklets for 72 monthly payments which I paid on time without missing any payments. The last payment in the last book ( # 72 ) stated " This is your last payment '' so I believed the car was paid off as anyone would. I expected to hear from the bank with my title information but never did. Today I got a call at work from a repossession company stating my car was listed for repossession by 5/3 Bank for nonpayment of my car loan. I explained to them that my car had been paid off since XXXX 2016. Thankfully, they understood that there was a problem with the bank and asked me to contact them directly and were polite enough to give me the account and contact information that I would need. I called the bank and they claimed to not have my address to contact me although there has been no communication from the bank since I received the payment books 6 years ago. During this time my address was the same until I sold my house XX/XX/XXXX. The US Postal service still forwards mail and no contact was made to me to discuss additional payments that were not included in the payment booklets. They claimed over the phone that I owed the last 3 payments of a 75 month payment plan. I do not recall agreeing to 75 months but they claimed they had a signed contract from me for that period. They quoted this to me without proof, without sending me the paperwork, or giving me notice that anything was late. I did not have this contract with me to review and was required to pay regardless of whether this was true or not because they had already placed a repossession order on my car. I questioned them why send only 72 months in payments and say " This is your last payment '' in the payment book on 72 when they expected 75 and got no answer. It was not a matter of not being able to pay for it. I paid over {$1300.00} instantly today to avoid the car being repossessed fraudulently. As shown in my payment history, I could have and would have paid the payments had the bank not sent a 72 month payment booklet saying the loan payments were complete when they claim more payments were due. I now have late payments claimed on my credit history that I consider fraudulent. Why would a bank send payment booklets with less payments than the loan requires? When questioned about this, the bank would not answer. When questioned why nothing was mailed to notify me of their claimed missing payments they claimed they did not have my address. As stated before, they had my address up until the last payment was mailed and the US Postal service continues to forward mail for XXXX customers. If they had mad any attempt to contact me concerning missing payments, they would have been received and dealt with immediately. I feel that this was a deliberate attempt by the bank to mislead a customer and obtain additional funds.
|
| 11/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
On the weekend of XXXX XXXX XXXX, we were victims of fraudulent charges. The issue started with an email stating that my computer had been breached. I unfortunately, called the number on the email. The person I spoke to claimed he was with XXXX. He asked to remotely sign on to my computer to correct the problems. During this time, I noted that there had been fraudulent charges for purchase of bit coin from called XXXX XXXX through bank accounts we held at both XXXX XXXX and Fifth Third Bank. The person who was supposedly from XXXX, indicated that he could reverse those charges, which it appeared he was doing when I checked our accounts at both banks on-line. He also, said we had to let the charges go through in order for him to reverse them. Ultimately, I recognized that what this individual was telling me didn't seem to make sense. At that point, I blocked his phone number and notified the fraud departments at both XXXX XXXX and Fifth Third Bank that the charges were fraudulent. We ended up having to close our accounts at XXXX XXXX and open new ones. The reason we had opened the accounts at Fifth Third Bank was that at the time my husband was working part-time at XXXX University and XXXX XXXX XXXX XXXX XXXX XXXX WV, and there were no XXXX XXXX banking locations in the local vicinity of XXXX. Anyway, my husband discontinued working in XXXX in XXXX of 2022, so rather than close and reopen the accounts at Fifth Third Bank, we elected to close the accounts. At the time we closed the Fifth Third accounts, we thought our claim had been settled. However, we subsequently received a letter from Fifth Third Bank dated XX/XX/2022, that indicated 'Our research confirms that the transaction was valid. ' We subsequently spoke to the fraud department to contest their decision. We were told that I had supposedly confirmed the purchases in response to a text message from XXXX XXXX that was sent on XX/XX/2022 at XXXX XXXX I however, never received that text message, nor would I have approved such a purchase. Interestingly, when I've spoken to someone in the fraud since that time I was told that the supposed confirmation of the purchase was in an email that did not come from my email address. In addition, the individual admitted that the purshases were not consistent with out prior activity. We have since filed a dispute with Fifth Third Bank and have requested proof of their claim that we approved the purchase, however we have only received additional letters stating their research confirms that the transaction was valid. We have never received any other communications from the bank or its fraud department other than multiple letters that all state the same thing. In addition, we have since been referred to a collection agency. There has been no transparency in regards their denial of our claim that the charges were indeed fraudulent.
|
| 09/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XX/XX/XXXX I purchased a motorcycle. I had my loan financed through a bank called MB Financial. Around sometime in XX/XX/XXXX, they merged with 5/3 bank. I was never informed of this. Today ( XX/XX/2019 ), I checked my credit score and noticed my motorcycle loan with 5/3 was delinquent.
This was very surprising to me for several reasons. 1 ) I had set up auto-pay using their online tool. 2 ) I had never received a phone call alerting me of the first notice of delinquency. 3 ) I also never received a letter notifying me of delinquency.
I called 5/3 bank and immediately brought my account current. I was told the following information over the phone : - MB Financial and 5/3 bank merged in XXXX - Apparently what I set up was not auto-pay, but some other confusing form of payment, even though I scheduled future payments - The phone number they had listed on my account is a phone number that has never had any association with me. I have no idea whose phone number it was, this would explain why I never received a phone call - I then asked why since they verified they had my personal cell phone on file, they made no attempt to call that number. I was told they need verification from the individual first in order to call regarding delinquency. If this is the case, how and why were they able to call the other phone number with no association to me?
- I asked why I never received a letter to notify me of delinquency. I was told " I don't know '' - I was then informed my motorcycle is being searched for by a repossession team.
- I was told to file a complain with the FTC regarding the 80 point hit to my credit score and negative remark on my credit report - I was told because of my calm demeanor, that they would most likely be willing to work with me - I then called back to confirm I could get someone to alert the crediting bureau of the mistake - I was on the phone for 47 minutes being transferred 3 times to different departments - I was told under no circumstances, would an adjustment be made to my credit report on good faith, and that the only way they would be willing to help me out would be to provide them with proof of payments I made to the account during the months it was delinquent. This is obviously impossible, and I never made payments those months because 1 ) I assumed auto pay was working as intended 2 ) I was never notified via phone call or letter that my account was delinquent.
Overall I can't even describe how upset I am at the way this bank has treated me as a customer. I would like to have my situation resolved and the adjustment made to my credit report due to the way the collections department handled the situation.
Finally, visiting their online payment / account viewer portal, I see absolutely no notifications that my account is past due / delinquent. No messages, or alerts in the alert section.
|
| 12/15/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I have a loan for a lot in XXXX Florida with 53 bank for many years. this lot actually belongs to my sister and her family who is making the monthly payment through me.she could n't get a loan back then so I got a loan for them so they can have a small investment before economy down turn. We have been making a payment every month right at due date on the clock all these years. in the past before loan becomes mature I was being contacted and they would renew the loan with no issues. This time I was not contacted prior to loan become mature on XX/XX/XXXX. Then I 've got a call demanding the loan to be paid off in whole including all penalties which it comes to about {$68000.00} I explained this is impossible with such a short time so if there was anyway they can reconsider of refinancing it so my sister 's family has more time to come up with other means of getting loan on their residence and pay off this loan. this has been going on for almost more than 30 days. every time I call they are stating they need more documents and they are working on it. Last commutation was this morning. In the meantime I am getting calls from their collection dept every day sometime few times and I have to explain to different people the same thing and give them an update of their bank 's action. Seems like 53rd bank either do n't communicate with their own departments or they do n't have an access to the same file or perhaps right hand does n't know what the left hand doing, During all this we have been making our monthly regular payment of {$400.00} a month without interruption. These are beside they reported delinquency to my credit file so my credit score from XXXX dropped to XXXX technically we are not late on the loan and still making the payment. I told them we need to sort this out as soon as possible so we can stop the bleeding of destroying my credit any further and start cleaning it up but still no action.
I am getting calls from other creditor due to low credit and they are cutting my line of credit as a result.
In the meantime I was told by their collection dept that 53 bank getting ready to shot sale the lot which is totally wrong specially when I worked so hard to get the loan extended and hold off is from their side, not my side.
XXXX XXXX is my only hope to get my voice to the proper authority for help to fix this problem and help getting my credit back for this unfair act of 53 bank.
Furthermore I have most of the communication that was done via email which I can supply upon request. Also I would request to check my credit history and see if there was ANY late or delinquency for past 22 years and since I moved to XXXX I 've heard Consumer Protection helped so many people to get them back on track and I am hoping to such a result in this case.
Thank you for your time and help in advance.
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| 10/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/2020, I lost my job. I contacted Fifth Third Bank, who my mortgage is through, in order to request Mortgage Assistance. I was informed to complete an application and email it to their email at XXXX. I did this, with supporting documentation showing my lack of work. I was put into forbearance in XX/XX/2020 due to COVID. This was for 6 months. I was not given options on other ways to resolve my conflict with my payments. Fifth Third is now stating that they never received my application, despite that their website states you have to apply for forbearance. They are also stating that I do not qualify for loan deferral to add what I am behind on in payments due to being delinquent prior to COVID. However, I requested mortgage assistance prior to COVID. Fifth Third is unwilling to help me through my financial hardship and is requesting I submit another application which takes 30 days minimum to process. That does not help me when my forbearance is coming to an end. The answers I am getting from one employee to the next keeps changing and I do not understand what I am being told and why I can not get a loan deferral. President Trump ordered that mortgage companies assist people through COVID and Fifth Third is doing the exact opposite. They are wanting me to pay money now that I can not pay due to my financial hardship. I went into the branch near my home on Friday, XX/XX/2020. The banker and I contacted Fifth Third via phone and spoke with an employee there who stated that no one had been denied for loan deferral up to this point and that I did not need to make XXXX 's payment and to begin making payments in XXXX. She stated that I would receive an agreement letter for my loan deferral and to make a payment, email, or call to confirm my agreement to the deferral. Why would a Fifth Third employee in the Hardship Department state that I was being processed for a Loan Deferral if the Loss Mitigation Department is stating I do not qualify? They had my account pulled up when we spoke on Friday XXXX. She was able to see the account details and even spoke with her supervisor to confirm the information she was providing to me. I am tired of being hung out to dry. I do not want to lose my home and have been trying to get through this financial hardship. My mortgage was sold to Fifth Third against my wishes and I have had problem after problem with them compared to my original mortgage provider. One employee will tell me they see notes in my account about my correspondence with their employees, then another employee will speak with me stating there are no notes in the system. Where are the notes going? Where is my application with confidential personal information of mine and my husband 's? Was their system hacked? Why is the information I am provided different from one employee to the next?
|
| 05/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Twice, this company has marked my account as " in deficit '' and sent my information to collections agencies, as a result of their own lack of organization in processing payments.
My auto loan account has been set on automatic payments ( through my own bank, which is larger and more reputable than Fifth Third ) for several years. Every automatic payment has gone through without a problem, and yet twice already this year, Fifth Third has claimed they did not receive my payments. When I checked with my own bank, they were able to confirm that the checks had been sent on time, delivered on time, and cashed by the recipient. However, Fifth Third failed to credit my account and marked me delinquent. Without contacting me, until after they reported my information to collections. The first time it happened ( in XX/XX/XXXX ), they told me there was nothing they could do and refused to accept numerous forms of proof that the payment had been applied. To guard against this recurring, I set up my payments to have additional confirmation and increased the amount of payments to 20 % more than the monthly amount owed.
This seemed to work fine for a few months, but again in XX/XX/XXXX they failed to credit my account and did not notify me until I began getting robo-dialed calls ( who promptly hung up when I answered ) during my vacation, about five times a day. I did a reverse lookup on the phone number and it showed up as Fifth Third Collections Department. I called the bank directly and asked to speak with someone who could explain what was happening. Their customer service phone system repeatedly dropped my call and I had to give my account information about five times before one rep promised to escalate the issue. He then placed me on hold for several minutes, and hung up on me. As previously, the reps could only tell me that they had no record of the latest payment and I had to pay a late fee on top of doubling my payment ( which I can prove had already been cashed by them. ) They offered no further solution, or any means of escalation, until I asked repeatedly. I had already checked my Fifth Third account online, and there were no prior messages, alerts or warnings that the payment had not been posted. Just a late fee, which had been applied two weeks after the payment was cashed.
Not only is Fifth Third clearly processing payments in a disorganized and unsecured manner, but their apparent standard operating procedure of sending accounts to collections without notifying customers or seeking solutions that won't negatively affect a customer 's credit rating is unethical and just poor business practice overall.
When I tried contacting Fifth Third regarding this issue, several times, by phone and email, all I got was a form reply telling me that I could contact Collections to pay my bill.
|
| 05/11/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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On XXXX XXXX, XXXX I received a letter from Fifth Third Bank ( 5/3 ) stating ''a merchant security breach that may have compromise your debit card '' a new card is being issued, activate immediately & destroy old card. I activated the new card on/around XXXX XXXX, XXXX & destroyed the old card. I made a purchase WITH the new card on XXXX XXXX. On XXXX XXXX, XXXX I received a text ( & email ) regarding 'suspicious activity ' at XXXX Central Time. I responded & spoke with FRAUD department. XXXX fraudulent transactions are pending. XXXX transaction on XXXX/XXXX/XXXX & XXXX transactions on XXXX/XXXX/XXXX. Through further investigation I have been told that there are XXXX open cards on this account. I have NEVER requested MORE than ONE active card on this account! I requested a replacement card & to block all transactions on the card I believed to be compromised after 'suspicious activity ' ( XXXX XXXX? ) that I had seen on the account & have letterhead from the 5/3 ( came with the card used in the fraud ) stating " For your protection your current card will be deactivated upon activating your new card ''. I have been informed by 5/3 a 'supervisor ', CS XXXX XXXX , & Fraud XXXX ' that I am responsible for deactivating EACH card EVER issued to me. The 5/3 'supervisor ' stated the card 5/3 was notifying me about ( XXXX/XXXX/XXXX ) was a different card than the XXXX that was used for TODAY 'S FRAUD. I do NOT understand how MULTIPLE CARDS can remain ACTIVE when I applied for & have maintained, in good faith & standing XXXX CARD on XXXX debit/checking ACCOUNT! I immediately requested ALL open cards ( save the JUST activated ) be CLOSED. I have been told this has been done by the 'supervisor. ' I believe 5/3 CREATED this BREACH by permitting multiple cards to be active WITHOUT my explicit consent to have MULTIPLE cards ACTIVE on my SOLELY OWNED/PRIVATE account. I was engaged in a TRUST between me & Fifth Third Bank that 5/3 would manage my banking transactions. Having multiple cards ACTIVE without my written consent is a BREACH of my TRUST in their ability to professionally manage my transactions. This has created a HUGE problem for me by tying up funds that I had PLANS to use on XXXX XXXX as it will take UP TO XXXX -7 Business days for the fraud transactions to be assessed. Had ALL other cards been deactivated as the paperwork that came with the card used in the fraud stated ( old card will be deactivated ) - the previous letter of concern would have been unnecessary & the current fraud claims would never have occurred. Those charges would have immediately been declined on a 'dead ' card. This has, additionally, dropped my account BELOW minimum balance requirements which may result in BANK FEES that could be assessed against my account. Thus marring my 'in good standing ' with my account.
|
| 04/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Fifth Third has failed to honor its advertised MasterCard protections. Fifth Third has also reduced the credit limit on this completely paid off account with zero cause.
Prior to XXXX XXXX XXXX committing fraud under the name of XXXX XXXX XXXX, Fifth Third reduced the credit limit on this account without cause or notice. This account has always been paid on time as all other accounts have been. This account also has {$0.00} balance other than this FRAUDULENT TRANSACTION.
XXXX XXXX XXXX advertised a Heavy Duty Adjustable Dumbbell Set XXXX XXXX lbs. as noted on the XXXX purchase receipt delivered by Fifth Third Bank itself. However, no set was ever delivered.
As noted in the top left of the attached page, the photograph of the set offered for sale shows a Set of Two Dumbbells, each weighing 52 lbs. Fifth Third Bank completely ignored evidence from its own so-called investigation.
Fifth Third not only ignored the FACT that one dumbbell was delivered instead of the two that were advertised, Fifth Third also ignored the FACT that the of a set that was delivered not only does not weight 52 lbs., the weights are noted in kilograms instead of pounds. Worse yet, none of the adjustable weights even weighs in kilograms anywhere near the amounts listed on them.
Far worse is the fact that the so-called Adjustable Weights DO NOT ADJUST. I can send video evidence that proves that these weights are stuck and can not be adjusted or even removed from the base.
Aside from all of these FACTS that PROVE FRAUD, this order was canceled long before half of it was ever delivered. Fraud was suspected when XXXX XXXX XXXX was E-mailed regarding shipping information and the company representative failed to provide any. IN FACT, the company representative failed to even provide a telephone number to contact anyone in the company.
Despite the order being canceled, XXXX XXXX XXXX delivered half of a fraudulent product more than a full month after cancellation. XXXX XXXX XXXX also provided the name of Portable Steam Iron to Fifth Third Bank rather than XXXX XXXX XXXX. XXXX XXXX XXXX E-mail attachments PROVE that the order was canceled the moment that FRAUD was suspected and long before half of the fraudulent product was ever delivered. Please note the company has even failed to deliver the other half of the fraudulent product.
When the half of the fraudulent product was received the company representative falsely claimed that the company was too new to know how to set up a return through a reliable shipper. Documentation is attached that proves the same.
However, Fifth Third Bank has IGNORED ALL DOCUMENTATION OF FRAUD. While the Fifth Third Executive Office has claimed that it will look into the FRAUD, no word has been heard of the Fifth Third Executive Office even looking into the FRAUD.
|
| 10/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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We have a mortgage wtih Fifth Third Bank. Our taxes and home owners insurance are paid from our escrow account. Our home owners insurance payment was due on XXXX XXXX, 2018 for the amount of {$600.00}.
Around XXXX XXXX, 2018, we received a letter in the mail from our insurance company stating that our policy coverage was cancelled due to non-payment. On Monday XX/XX/XXXX, I called Fifth Third Bank 's insurance department to notify them of the letter we received. The representative asked for the number to our insurance broker. I was told that insurance companies usually have a grace period and that the premium payment could be sent overnight if needed. I was then instructed to call back on Friday to verify that the problem had been resolved.
We were unable to call back that Friday but called back Monday XXXX XXXX, 2018. I spoke with the same representative and the payment still hadn't been sent. I was instructed to call our insurance broker for Fifth Third Bank. My husband called the insurance broker on XX/XX/XXXX. The broker told my husband that Fifth Third needed to contact the insurance company. I called Fifth Third 's insurance department that same day and spoke with a different representative. I told him that the insurance broker said that Fifth Third needed to call our insurance company and provided the representative with the insurance company 's phone number. The representative called back later on XX/XX/XXXX and left a voicemail stating that he talked with our insurance company about reinstating our policy, and received the invoice for the premium payment to the insurance company.
On Thursday XX/XX/XXXX, we received a refund check in the mail from our insurance company for {$600.00}. I contacted our insurance company on XX/XX/XXXX. The customer service representative verified that our policy had been cancelled for non-payment. I inquired about the premium payment and she stated that it had been received beyond the grace period and that the policy couldn't be reinstated. She directed me to call our insurance broker. I called our insurance broker on XX/XX/XXXX for a new insurance policy. On XX/XX/XXXX, I also called Fifth Third Bank 's insurance department and ask to speak with the supervisor to complain about how our insurance was handled. I was told that the supervisor was unavailable at that time. The supervisor called me later and left a voicemail stating that our account was being looked into and that we would be contacted. We haven't heard anything from the supervisor since the voicemail.
Meanwhile, we have a new insurance company. The coverage began on XX/XX/ 2018 with a premium payment of {$680.00}, a {$77.00} increase from our original insurance payment of {$600.00} that was due on XXXX XXXX, 2018 and was supposed to be paid from our escrow account.
|
| 10/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
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On XX/XX/XXXX, I notice that {$28.00} was missing out of my checking acct ending in XXXX. My bank 53rXXXX and I decided to close this acct and start a new checking acct ending in # XXXX. My new acct was compromised about two weeks later for {$14.00}. 53rd dispute dept awarded me both transaction disputes, even though was still upset and baffled about how was someone able to steal my identity.
My XXXX check for {$1000.00} was deposited on XX/XX/XXXX. On this date I made authorized payments to XXXX for {$280.00}, XXXX XXXX, XXXX XXXX {$63.00}, XXXX XXXX XXXX XXXX {$46.00}, XXXX XXXX, and XXXX for {$910.00}. In all these places, I paid via phone payment by customer service representative by XX/XX/XXXX and XX/XX/XXXX. Every transaction was successful.
On XX/XX/XXXX, I was informed by 53rd they are no longer going to be my bank and they are closing my account for good. I asked them why and they said, its in the best interest of the bank and this is a decision from the bank. They told me they were going to hold my money but I told them that was illegal and ai would notify XXXX. They told me shortly after to head to the bank and speak to representative in there.
I went to XXXX and XXXX XXXX building. The teller told me that they are giving me all my money from my check. He called corporate and spoke back n forth repetitively with them. He kept asking me how much is my check for. I responded several times, {$1000.00} from XXXX. The teller gave me {$1400.00} bucks. I asked what was this for, but the teller just was saying this is how much you have nonchalantly. So that was a surprise to see more money than usual.
Around mid XXXX, I received numerous calls from XXXX, XXXX, XXXX XXXX etc. I was told by all these creditors that my XXXX payments were returned. I stated to them all that I paid my bill in XXXX and will get verification that I paid from my former bank. I went into 53rd and retrieve acct summary for XXXX and XXXX. I noticed right away all the returned charges done by 53rd. No teller had an explanation, so I called in. I explained the situation and was angry that they made sure to return all my payments behind by back. This caused me to owe creditors late payments and interests. Apparently, the money I thought extra was the returned payment money done on behalf of the bank. The total of all returned payments were {$630.00}. This is higher that the {$490.00} dollars given to me extra, Also, 53rd knew when they gave me the extra money with my check what their motives were. Their motives was to hurt me financially along with the thief, by stealing my extra funds fictitiously. I was signed up to 53rd ID Alert for $ XXXX monthly and wasnt aware that the thief also changed my address with the bank to their address of XXXX XXXX XXXX XXXX XXXX, IL XXXX.
|
| 04/25/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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On XX/XX/2022 I sent Fifth Third Bank , National Association via certified mail a " Notice of Dispute and Conditional Acceptance Upon Proof of Claim '', delivered XX/XX/2022 at XXXX. In my letter I stated, it has come to my attention that there may not have been a true qualified meeting of the minds, that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract. I agreed to continue making payments on the condition full disclosure is provided by : 1. Presenting the language used in the documents, 2. Presenting the dictionary used in the documents, 3. Presenting the system of grammar used in the documents, 4. Presenting a legend to comprehend the symbols used in the documents, 5. Presenting definitions of the words marked in red ink on the documents, attached as Exhibit A-C, 6. Presenting all records and the general ledger statement of the referenced account, presenting the full accounting of the alleged obligation, verified ( sworn true, correct and complete ) by the party who made the entries, 7. Presenting duplicate copies of all statements for the referenced account, 8. Presenting a duplicate copy of Notice of Debt for the referenced account, and 9. Presenting a competent clarification, per the attached Proof of Claim that I have any lawful obligation to repay this alleged debt for the referenced account.
I instructed Fifth Third Bank , National Association to cease collection and reporting of the alleged debt while efforts are made to obtain Proof of Claim. I also instructed Fifth Third Bank , National Association to cease all communication with me or any third party after the verifiable receipt of said notice unless they were providing procedurally proper validation of the debt or a consultation fee would apply. Since XX/XX/2022, the recorded delivery of the notice, Fifth Third Bank , National Association has called, email, text, and sent detrimental information to major credit reporting agencies against my instruction, without my consent, and without providing proper validation. My experience with Fifth Third Bank , National Association has been abusive as I believe they entered into the contract without clean hand and have yet to prove their claim while destroying my livelihood and reputation. The constant harassment via phone call, email, and text, paired with the detrimental information on my consumer report provided by Fifth Third Bank , National Association without my consent or written instruction has caused injury to my person and household. The scheme of fraud Fifth Third Bank , National Association is using by threatening, intimidating, deceiving, and enticing to coerce natural living people to commit an act creating a legal disability where none exists is appalling and unlawful.
|
| 05/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On XX/XX/2021, I went into a local branch of Fifth-Third Bank and opened an account. During this account opening which occurred inside the bank, I was able to set up my online access in the presence of the account representative. After leaving the bank and over the next few days, I attempted to access my bank using both my mobile phone device via the appropriate mobile app for my XXXX and using my laptop computer running XXXX XXXX XXXX ( Both XXXX web browser and Internet explorer web browser ). During these attempts where I was logging in and reviewing the website and my account profile, I would be prevented from setting up and using the online bill pay section of the 5/3 banking site. On or about 4/30/2021, I called their customer service number and spoke with a representative and explained my frustration with : 1 ) Being locked out of accessing the website via my computer and mobile device. 2 ) Being unable to set up a new payee. She indicated that my account had been flagged as being new and that their system had flagged my account as a " high risk ''. She then made a suggestion that customarily the risk would go down if I refrained from logging into my 5/3 account for 24-48 hours. I spent the entire weekend refraining from accessing my account via mobile device and laptop computer.
On XX/XX/2021, I attempted to gain access to my account and was successful in logging into my account via my laptop computer. I then proceeded to set up a new payee for my XXXX XXXX. When I attempted to set up a payment for the new payee, I was able to get all the way through choosing a amount and date, but when I attempted to click the confirm button, their website responded by saying something to the affect of 'You are not allowed to do this, please contact the following number '.
On XX/XX/2021 @ XXXX, I returned home from work and attempted to gain access and to schedule an online bill for the above listed XXXX XXXX I again was stymied by an inability to enter the website till I called customer service and was instructed to clear my browser history and cookies. Eventually, I was able to access my account via my laptop by using XXXX XXXX as my browser. Still on the phone with customer service, I attempted to schedule an online bill pay to XXXX and was again presented with the same notification at the final stage of confirming the amount/date. The customer service rep told me again that my risk score was " high '' and their was no way for her to reset or override this 5/3 banking alert.
I therefore am making an official complaint that 5/3 is restricting or preventing me from using money that has legally been deposited into my account and which they have no reason to restrict access to. My only way of accessing these funds is to physically walk into a branch office.
|
| 05/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
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On XX/XX/XXXX I was sent an Installment Loan Final Payment Notice stating a final balance due on my auto loan with Fifth Third Bank of {$830.00}. We expected to owe no more than a few hundred. This total was a shock.
After receiving the notice on Saturday XX/XX/XXXX, I called the customer care number of XXXX first think Monday morning, XX/XX/XXXX. I spoke first with XXXX, then escalated to XXXX in customer care.
They explained that 19 late charges ( each a ~ {$27.00} fee ) had added up over the life of the loan.
All they could do was reverse two charges. Yet, after a detailed account inquiry with them, I am formally submitting a complaint for these reasons : - I was never alerted we owed any late fees - We paid every single payment using the coupon book - We always mailed payment to the Bank prior to XXXX of monthlast day of grace period - On a few occasions when we knew we missed grace period, we included an additional {$30.00} late fee - We were given no way to have the Bank waive the additional fees, but instead were told regulators do not allow banks to work flexibly with people in these situations for fear of favoritism ( my words ) We owed {$300.00} but now still are expected to pay {$830.00}, though we paid every coupon payment in full. This is not acceptable.
Please note that Fifth Third sent me this notice on XX/XX/XXXX and I did not receive in the mail until XX/XX/XXXX.
I sent in all my payments in the mail with postmark before the end of the grace period. Yet I am penalized for mail delays we see so common, even from the Bank sending this notice to me.
The Bank told me todayfor the first timethat I had 19 late payments for this exact reason. I have had a sterling credit history and do not make late payments as a pattern. I thought all along I was playing by the rules and was never told otherwise, until the shock of a lump sum final payment hit, with no reasonable options to sort it out without having the escalate to the Federal Government ( CFPB ).
Had the Bank alerted me each time I had a late fee charged for this reason, I would have paid it right away and known not to postmark by the XXXX, but by the XXXX. By extending consumers a grace period ( to the XXXX, in my case ) but then penalizing them for not having received the payment by the grace period date, it is no grace period. It is another way for the Bank to take advantage of its power position in the situation.
Yet, the Bank Personnel I spoke with were fantastic and understanding. Community banking practices would have allowed them to remove the fees. Regulating these practices out of our system may feel more fair, but it is actually harmful and slow. The bank should be able to remove these fees after a simple inquiry on its own, without me having to resort to this complaint.
|
| 10/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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On XXXX XXXX, XXXX, our bank, XXXX XXXX, charged the regular monthly maintenance fee for our checking account of {$11.00} - being we could not afford to cover that fee at the time and the bank 's policy is to not charge overdraft or negative balance fees for deficits resulting from monthly or annual fees, we left the negative balance of - {$10.00} until we would be financially able to cover it. On XX/XX/XXXX, unknown to us at the time, a {$1.00} XXXX transaction ( which we thought was charged on our " XXXX '' debit card, also with XXXX XXXX ) came through our checking account, our balance became - {$12.00} and the XXXX item was returned the next day. In the process, XXXX XXXX charged a {$37.00} overdraft fee also on XX/XX/XXXX, in direct violation of their policy to not charge overdraft or negative balance fees for transactions under {$5.00}. We left a voicemail regarding this for our banker, XXXX XXXX, who is also the branch manager at the XXXX IL branch where maintain our accounts. We received no response, nor did her voicemail indicate we should contact an alternate contact ; we left 2 further voicemails without a response from XXXX XXXX or anyone at XXXX XXXX until this morning, XX/XX/XXXX. In the meantime, the {$1.00} XXXX transaction was resubmitted on XX/XX/XXXX and was subsequently returned today, along with another {$37.00} overdraft fee assessed against our checking account, again in clear violation of XXXX XXXX 's policy. The voicemail which XXXX XXXX left for us said that she had been in meetings the end of the week of XX/XX/XXXX and then out of the bank until today, the fees were charged being the account was already in negative status and she could not do anything in regards to reversing either of the {$37.00} fees. Our contention is this is a convenient way to bypass their own policy being the deficit was due to their own fee which their policy is to not charge for and take advantage of longtime account holders ; also, her lack of timely response, nor listing of an alternate contact on her voicemail while she was out an extended length of time, nor enlisting a bank associate to address this issue in a timely fashion, is also convenient way to incur fees which should not have been charged. Had the first fee been reversed, we would have covered the - {$12.00} deficit plus at least an additional {$1.00} for if the XXXX transaction was resubmitted in a cash deposit or bank account ( immediate funds ) transfer, and so the account would be no longer negative nor caused the second overdraft. To reiterate, these fees were both charged in cases in violation of their stated policy to not charge overdraft or negative balance fees for transactions under {$5.00}, nor for deficits occurring as a result of a charge of their monthly or annual fees,
|
| 09/18/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
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I had a house fire. my mortgage company held XXXX of my insurance money in escrow for their lost draft dept. to disburse me funds as my house get rebuilt. they issued a check in XXXX. I never got it. I called weekly and complained I never got it. they sent me check, same amount in XXXX for the 2nd part of my money they was holding. I got the 2nd check 3 weeks after they wrote it. & I cashed that into my bank. I still kept calling them regarding first XXXX check I still haven't got. they lied to me 3 different times stating another check was reissued & keep looking for it. when couple weeks go by I call again. was told same thing on reissue me the check. last XXXX XXXX they tell me it has bee cashed & email me copy. the check is paid to order of XXXX peoples names. not just me on the check. the back of this check was printed out my name only, so was t even endorsed correctly to begin with. the cashed date was XXXX, which is 3 business days after it was wrote. their process states they have 3 to 5 business days to cut the check. then they have 5 to 7 business days for it to go thru their mail room & actually get sent out. then 14 business days to get to my mailbox. the check that someone forged & printed my name on back was cashed within XXXX business days so that looks to me like inside job. and probably more than XXXX employee to pull it off. now they told me it is cashed & sent to investigate process. I don't know if they really filed report of fraud or not. I don't know if my information on my mortgage was seen or not. they will not give me the investigate dept. phone number or a report filed case # on it. they will not tell me who cashed the check, what bank cashed it. they tell me nothing. the main head person they claim is XXXX, & she will never take calls. today I was told " she suggests you call insurance becuase the check is cashed & we won't issue you another one '' ... but XXXX herself won't talk to me at all. I called my local branch & they have been searching for couple hours now & have found no records of this check to even see what bank cashed it. XXXX was taken out of escrow account & I am not getting any information at all. I am currently looking for a.lawyer but I don't know where their loss draft dept is located and they won't tell me simple things like that. I don't even know I'd it is legit department... I need help getting my XXXX so I can pay off contractors who rebuilt me home. it is so sad corrupt emoyees take advantage of people who literally just lost everything. & I mean everything! & I never got my own insurance money. the bank who cashed it should be reliable to get me my money immediately. they cashed it endorsed wrong & everything. XXXX bank. they wrote the check & I'm pretty sure they cashed it too. please help.
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| 08/11/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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I have been working through the red tape presented by Fifth Third Bank as the Mortgage Company, insurance checks were issued to Fifth Third Bank and us as the homeowners. Upon receiving the insurance checks, I notified Fifth Third Bank and asked for guidance on the necessary steps required to assure a smooth transition of endorsing the checks and making payment to the contractor.
Upon receipt of the final settlement checks, I received notification from Fifth Third Bank of additional documentation required. All requirements should have been disclosed by Fifth Third Bank during my initial inquiry. Much of this documentation could have been provided months ago to assure no delays in making final payment to the contractor. Two months after the job was completed to the satisfaction of XXXX XXXX and myself, I have been presented with additional requirements which are causing further delay of final payment to the contractor.
It is understood your need for the insurance estimate details and the Contractor 's work order which outlines the work to be performed and materials necessary to complete the job. However, it is unacceptable to require an inspection of this job be completed by an inspection company of Fifth Third Bank 's choice, at my expense. XXXX XXXX has verified completion of the work performed, to their satisfaction, with a final inspection at no cost to us the homeowners, for which they have made payment.
Fifth Third Bank is now interested in working with me " to ensure that my home is restored to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company will be able to demonstrate that the work performed on my home restored it " to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company assessed the damages to my home prior to the contractor beginning the job. The only thing that Fifth Third Bank is able to assure is payment to their chosen inspection company, at my expense. This is absolutely unacceptable.
I 've requesting that Fifth Third Bank waive the need for an inspection, at my expense. There will be no basis for which this inspection could possibly demonstrate the before and after state of my home. To ensure that the work being performed on my home was of quality craftsmanship and done to the specifications of the estimate, I monitored this job by being on site and visible. This required me to take time off from work, at my expense. With that said, Fifth Third Bank is welcome to send an inspector of its choice, at its expense.
By pursuing an inspection at my expense, a formal complaint with the Consumer Financial Protection Bureau will be filed.
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| 08/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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We have been having a terrible experience with Fifth Third 's mortgage services. We were notified in the end of XXXX that we needed to increase our flood insurance on the property for which Fifth Third holds our mortgage. We contacted our insurance broker immediately and increased our coverage, and the insurance broker informed Fifth Third and sent proof of this coverage promptly. However, Fifth Third continued to overcharge us each month. Our insurance broker called the company multiple times to correct our escrow. In all, we were charged more than {$2000.00} over what we should have paid during this time.
I called them on XX/XX/XXXX to resolve this issue on the phone. They agreed that our flood insurance did indeed meet their criteria and that we would be refunded the overage, and our monthly payments would go back to the normal amount. They did send us the money back and reduced our monthly payments.
Then - once again- on XX/XX/XXXX we received yet another letter and escrow statement indicating that Fifth Third would be increasing our escrow again, due to a gap in our flood insurance. So I had to call the customer service line again. Their escrow department said that they didn't send that letter and that everything looked fine on their end, so they transferred me to the main customer service line. The customer service department said that we needed to provide proof of sufficient flood insurance and needed to pay the increase amount. When I said that they had all the documentation they needed - and in fact their escrow department had just told me that our coverage was sufficient- they transferred me back to the escrow department. That person had to go check with some other part of the organization on why the flood coverage wasn't sufficient.
The escrow department then told me that under Federal regulations they had to escrow my flood insurance. I told them that this could not be true, that was illegal as far as I knew. So she sent me to her supervisor. When I asked what Federal Regulation required this, the supervisor said that she hadn't told me that and needed to do more research. So she put me back on hold. As I submit this, I am still on hold and this matter is still unresolved.
Fifth Third is either doing this on purpose ( in order to make extra money on the cash ) or their systems are not functioning properly. Either way, it's not acceptable to continually ask us to pay a lot more money monthly than we should be paying, then make us sit on endless phone calls that go around and around in order to get it fixed. The addition of telling me that it was a Federal Regulation was very concerning. I have no idea how many other people they are doing this to, so I'm writing this to try to prevent this from happening to others.
|
| 06/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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FIFTH THIRD BANK HAS TELEPHONED ME TO INFORM ME THEY HAVE BEGUN FORECLOSURE PROCEEDINGS. I HAVE NEVER MISSED A PYMT OR BEEN LATE. THEY CLAIM I AM IN DEFAULT BECAUSE I ADDED MY MOTHER TO THE DEED OF MY HOUSE AND ALSO BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN.
THEY ARE DOING THIS BECAUSE I CALLED THEM AND INFORMED THEM THAT I BELIEVE THERE IS A MISTAKE SOMEWHERE. I INFORMED BANK THAT MY CURRENT STMT SHOWS I STILL OWE $ XXXX AND ITS SUPPOSED TO BE PAID OFF IN XXXX XXXX. THEY STATED I HAVE A TERM LOAN WITH A BALLOON PAYMENT BUT THEY LEFT OFF THE AMOUNT. THAT IS COMPLETELY NOT TRUE. I WAS SUPPOSE TO GET AN XXXX YEAR LOAN WITH FIXED RATE. NO WHERE ON MY LOAN DOCUMENTS DOES IT SAY I HAVE A BALLOON. IT STATES I HAVE A PREPAYMENT PENALTY ... THAT WAS CLEAR. MY PAYMENT TERMS ARE : FIXED RATE 8.44 %, DUE XXXX/XXXX/XXXX. THIS IS STATED ON ALL MY DOCUMENTS ... THE PYMT AMOUNT, INTEREST, THE NUMBER F MONTHS XXXX ... BUT NO WHERE DO I OWE ADDITIONAL MONIES. BANK CLAIMS I OWE THEM SOME UNDISCLOSED AMOUNT PROBABLY XXXX XXXX. SO THEY WANT ME TO REFINANCE IMMEDIATELY AND CHARGE ME A PREPENALTY FEE BECAUSE THEY WANT TO FORECLOSE. THE MADE A TERRIBLE MISTAKE SOMEWHERE AND WHEN I BROUGHT IT TO THEIR ATTENTION THEY WANT ME TO GET THEM MONEY I DONT HAVE OR THEY TAK E MY RESIDENCE. THIS IS UNFAIR, DECEPTIVE AND UNETHICAL. BALLOON PAYMENTS ARE A MATERIAL ITEM THAT SHOULD HAVE BEEN DISCLOSED TO ME. IT IS NOWHERE. IT WASNT MEANT TO BE A BALLOON THAT WHY THEY CANT FIND IT, BUT THEY WANT XXXX TODAY. IN FACT, THE MOST RECENT PHONE CALL THEY INFORMED ME THAT UNLESS I TELL THEM WHERE THE MONEY IS COMING FROM, THEY WILL PROCEED WITH FORECLOSURE AND APPRAISALS, ETC. OF COURSE, FEW DAYS LATER, AN APPRAISAL CAME IN. FIFTH THIRD BANK IS TAKING NO RESPONSIBIITY AND IN FACT IS TRIYING TO RUN ME OUT OF MY RESIDENCE BY SENDING ME LETTERS FROM LAWYERS AND CALLING ME WITH THREATS. I HAVE CONTACTED SEVERAL OF THE BRANCHES AND THEY ALL SEEM TO HAVE THEIR HANDS TIED. I GUESS THE BANKER IM SPEAKING WITH IS LIKE A XXXX. NO ONE CAN GET PAST HER. I HAVE BEEN TOLD THAT THEY WILL STOP ACCEPTING MY PAYMENTS. NOW THAT WORRIES ME ... BECAUSE MY PAYMENT MADE ON XXXX/XXXX/XXXX STILL HASNT CLEARED ... ITS XXXX. AND WHEN I CALLED FIFTH THIRD BANK THEY DONT KNOW WHY .... SO I GUESS THIS IS THE BEGINNING OF THE FORECLOSURE. THIS DOESNT SEEM POSSIBLE, AS I NEVER MISSED A PAYMENT ... THIS IS A COVER UP.. LASTLY, WHEN I WENT TO ANOTHER FIFTH THIRD BANK ... THEY TOLD ME I WASNT IN DEFAULT JUST ADDING MY MOTHER TO THE DEED, IT IS BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN? ARE THEY KIDDING? THEY ACCEPTED MY PAYMENTS NOW FOR OVER XXXX YEARS SINCE MY BANKRUPTCY. I HAVE BEEN TRAUMATIZED BY FIFTH THIRD BANK AND THE THREATS OF FORECLOSRE. I DONT WANT TO LOSE MY HOME.
|
| 05/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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Hi my name XXXX XXXX This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - Fifth third bank Amount- {$300.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
|
| 10/10/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
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Web |
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I notified via email that i was disputing a charge I had paid with my debit card ( compliant to regulation E ), the product/service was not as described or listed. I sent the initial email on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from a woman named XXXX, stating they would initiate the dispute and communicate in writing. On XX/XX/XXXX, I had not received any letters, paperwork, or seen the dispute initiated in our bank account. So i sent a follow up email on the matter. I had not received a follow up by XX/XX/XXXX, so i opened a claim with the XXXX. On XX/XX/XXXX, I received a call from XXXX again at 53rd, stating that it was being placed in dispute. So from XXXX ( XXXX Calendar Days & XXXX business days ) I had not seen anything on my account or received an email/letter around the transaction. On XX/XX/XXXX, I received a response to my XXXX claim electronically & then a follow up call, now from a gentleman named XXXX. The response via the XXXX was from XXXX XXXX with 53rd Bank, and she sent documents that were mailed on XXXX & XX/XX/XXXX. However, they mailed them to a very old former address on file. I confirmed with the bank 's customer service that my address was and had been updated in their system. I received the letters via mail forwarding in once on XX/XX/XXXX and again in early XXXX. However, in their response on XX/XX/XXXX, I was able to print them and complete. I sent them via email to the XXXX on the XXXX and again on the XXXX. On XX/XX/XXXX, I received a XXXX response from the bank that the Chargeback had been filed with the merchant on XX/XX/XXXX. So the charge back was initiated with out any documentation that i completed, furthermore a previous response says the documents were mailed on XXXX ( to an old address ). I am unsure how they file a chargeback the same day they send me the documentation to complete, in order to file it? Beyond that they continued to send the same response via the XXXX messaging. The dispute had been opened and to allow 90 days. They did not address my concern at all of not having my documentation on file. So fast forward to XX/XX/XXXX, I received no letters, no communication, since XX/XX/XXXX. I see that my checking account was disputed the provisional credit. I have not been provided any information around the dispute and why this was done. The bank has confirmed they have my correct address on file, my email address, and phone. I received no notice of this happening. I sent a rebuttal to the XXXX around my concerns & issues with how this was handled. I have had nothing resolved. I had photos, documents, etc pertaining to this dispute case all to find out that it was sent for a chargeback the day they mailed forms to my old address. What can be done about this issue?
|
| 02/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
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To whom this may concern, Thank you for taking this case. I reached out to the Michigan governor 's office and they forwarded your number so I want to start by saying thank you.
Earlier this month, I submitted a dispute on XX/XX/XXXX for multiple unauthorized transactions on my account. I recently had another dispute open for the same thing. Originally I thought that my credit card had been lost and stolen, which it was, so I ordered a new one, but when the next batch of unauthorized charges came in, I knew something was wrong.
I reached out to the bank on XX/XX/XXXX and immediately disputed the transactions. The transactions were roughly {$6900.00}, there was another dispute open for charges around {$2700.00}, which were unauthorized. I received a letter stating that the charges were valid without any explanation behind why they were valid, I explained to them that a family member who had been in my home had used my card without authorization. A fifth third told me that they would help me out, they said they would issue me a temporary credit, which they never did, and that they would help me get to the bottom of it.
A few days later, the bank called me and told me they were closing my account without cause. I had a separate account that was also jeopardized by the same family member, there were some withdrawals and deposits in the account, the deposits were roughly {$1800.00}, I disputed the deposits including the withdrawals, they took away the credits totaling {$1800.00} and also gave back the additional money that was unauthorized. I don't understand if they say the charges are valid, why would they also return the deposits that I disputed?
The person responsible for the unauthorized charges admitted to it and I also provided that information to the bank. Upon doing my own research, the accounts that were used to make the unauthorized charges were in a completely different name and not my own. The changes made to the account were also charges to places that I had not been to which I had also told the bank.
I am reaching out to you guys because I do not feel the bank handled this situation accordingly, I believe they completely threw the case out and also force closed my account, then sent me a statement saying that the charges were valid. They didn't do any investigation, they never called me, they did not contact the person who was responsible, and they made no attempt to credit my account, only to completely freeze it, making it negative XXXX XXXX dollars in total for both accounts and then close it so that I couldn't do anything with it. They also completely blocked my access to be able to log into the accounts online.
I know that this is a bit long but I wanted to provide as many details as possible.
|
| 09/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I sold my car, sent the payoff to the bank via certified mail on XXXX XXXX and they received it XXXX XXXX. Today is XXXX XXXX, and my buyers are allowed 30 days to title/license the car they bought, but they need release from the lien to show the title is clear. The lien release was delivered to me by mail on XXXX XXXX. I called the bank today because the last time I talked to them they said they would be mailing a new title, so I called to say the title is not here and late fees are going to be assessed against my buyers. I learned today that being told I would receive a title was a mistake, I will only be receiving the lien release letter and that 's all I need. I 'm not concerned about that mistake, but mention it because if I had n't called the bank today to say today is the last day and I still do n't have it, I would n't know I 'm not going to get a new title and I would still be waiting for it, which would impact my buyers. I 've called the bank XXXX times during XXXX about getting the required documentation for my buyers. I mailed the payoff on the XXXX, they received it on the XXXX, they posted it on the XXXX, they allow 10 business days to clear the cashiers check I sent them, they mailed the lien release letter on the XXXX, and it arrived on the XXXX. This allows 1 day to get it to my buyers, who are at work, and XXXX minutes away, and the DMV closes at XXXX, so they 're going to pay late fees. I explained this to the bank on XXXX occasions, talking to XXXX and XXXX, and then talking to XXXX supervisors on separate occasions ( XXXX and XXXX ). They all acknowledge that the process was executed by the bank without mistakes and that the end result is that the title does n't get here it time. No one would take the initiative to at least SAY that it 's a problem for the customer, they 're established process that was executed without error did n't allow the customer to get the required documentation to the buyer within the 30 days allowed by state law to avoid late fees. THAT 's what I 'm complaining about. They KNOW this and are n't doing anything about it. When they told me last week the letter was mailed on the XXXX, they said it would take 10 business days to get it. They KNEW at that time I would n't get it in time. They could have changed their shipping method to get it here quickly. The problem is they know their process did n't work for the customer and they acknowledge this but do n't volunteer to improve the process. They do n't like regulation, but there 's a reason for it, and this is an example. Apparently they need to have a regulation to require them to execute a process that allows the customer to receive the required documentation in time to comply with state law without having to pay penalties.
|
| 10/31/2015 |
Yes |
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Web |
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Today this afternoon I received a voicemail from XXXX the guy stated that there was a lawsuit filed against me and to please call XXXX an the case number which included the last XXXX of my ss #. I called and a nice girl answers the phone and she knew my full name, last XXXX of my SS #. She then stated it was from a pay day loan XX/XX/XXXX for {$300.00} from 5/3 bank and XXXX XXXX. She says but now because of court fees and interest you owe {$1900.00}, I told her I do n't owe anything and if so everything was included in the bankruptcy. She said hold on let me check your bankruptcy, she said XX/XX/XXXX?, I said yes, she said sorry that was n't included in the bankruptcy. I told her well I believe so. She said that is a loan that did n't involve a credit check and was not reported to your credit report.I said ok and how much to settle and she said I would have to place you on hold and find out if the paralegal will allow this as they do want to take you to court. She then said you can settle today for {$710.00}. I said email me a copy off the charge I am being sued for, she said unfortunately I ca n't do that because we did that before and then someone changed it and put paid and when we took them to court we could n't do anything because it stated it was paid in full. Therefore you will be provided a copy when you fulfill the debt. She asked me for a credit card or debit card and I said I do n't have one and she said well I will give you until Monday to get a reloadable card. If you do not call back and fulfill this we will file this at your local county clerks office. So she said you are on a recorded call. I was so shocked and especially that they had perfect XXXX, not the typical XXXX accent. I guess they know now we are on them. So I of course started to XXXX the phone numbers and XXXX XXXX and I could n't find anything. I even XXXX 5/3 bank and who was their pay day loan company, still nothing. I then XXXX the XXXX area code and came up a few sites where people were talking about the scams they had experienced which were the same or similar to mine. I am so glad I found this site because I was like Monday I am calling my Paralegal and I am calling 5/3 bank and see if they are associated with XXXX XXXX. Then I told my husband about the call I received today and he said oh I received a call from that number today, but did n't answer the phone. The kept calling and they knew my name I was working and told them I was busy and I hung up. He was like that is a major scam no one that sues you or is attempting to sue calls you. You basically get served the papers. It so disgusts me what this world has come to. I hope they get these crooks ASAP.. They should be put to prison, sued, etc ... Leave innocent people alone ...
|
| 04/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
On XX/XX/2021 there was a fraudulent charge on my XXXX credit card for the amount of {$4900.00}. The following day XX/XX/2021 there was a second fraudulent charge on my 5/3 Bank credit card in the amount of {$4800.00} from the same company XXXX XXXX XXXX Indiana. This is how I discovered the fraud. I received an email from 5/3 Bank stating that my credit card has been activated when I did not activate a credit card or order a replacement. I checked both credit card accounts after receiving the email and noticed the fraudulent charges. I stated to the customer service representative at 5/3 Bank that I did not activate a card or order a replacement and that I had a fraudulent charge on my account. I informed XXXX as well stating that there was a fraudulent charge on my account. XXXX and 5/3 Bank removed the unauthorized/fraudulent charges from my account. One month later 5/3 Bank informed me that I am responsible for the fraudulent charges because it was a chip card and it was used to make the purchase and proceeded to put the full balance of {$4800.00} back into my account. XXXX resolved the issue and called me to inform me of a similar situation, the customer service representative stated that it was in fact a chip card that was used to make the purchase, I informed them that 5/3 Bank stated the same thing to me and then the XXXX customer service representative stated that a phone number from Virginia called in to activate my card and I informed them I had no knowledge of that number. I am still battling with 5/3 Bank to have this resolved, I have submitted a police report to them, my XXXX bank statement showing that the fraudulent charges were reversed, I also submitted the e-mail I received stating my card was activated. I was working in the state of Illinois at the time of the fraudulent charge and I provided a pay stub and detailed payroll information of my whereabouts on the XXXX of XXXX. After speaking with a 5/3 Bank fraudulent department manager I was informed that there were in fact ( 3 ) cards with the same number in circulation, in which I only had one on me. The past six or seven months before the fraudulent charge was made on my account the only thing that credit card was used for was a reoccurring charge for XXXX. The Fraud manager at 5/3 bank informed me that the card was activated and then used for the purchase 4 minutes after activation, in which it maxed out my credit card. I researched the company name of the fraudulent charges and I can not find any legitimate information, I believe the company doesnt exist and now 5/3 is still telling me I am responsible for this payment of {$4800.00}. This needs to be rectified immediately. The case number for the above matter with fifth Third Bank is : XXXX
|
| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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On XX/XX/XXXX, the bank did 6 line item notes on this loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I called they refused to tell me what this denoted.
On XX/XX/XXXX the bank ledger/statement shows my loan balance as : {XXXX On XX/XX/XXXX, after crediting my regularly scheduled payment, plus {XXXX extra towards principal, my outstanding balance suddenly jumped : Bp Curtailment {XXXX Billpayer Pymt {XXXX Principal XXXX Interest {XXXX} Additional Info PAYMENT BALANCE AFTER {$61000.00} this reflects an INCREASED balance owed, even after the XX/XX/XXXX payment of XXXX.
Please note the bank split appropriately the regular, minimum payment of XXXX} towards principal and interest, as it had all previous months.
I made additional loan curtailment payments on : XX/XX/202XXXX XXXX XXXX XXXX XXXX Additional Info XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Note that the bank arbitrarily credited my entire regular/minimum payments for XXXX XXXX XXXXXXXX SOLELY towards interest ; without apportioning that payment towards both principal and interest as it had done all months previously.
I called the bank again on XX/XX/XXXX asking for a full and complete accounting of the payment discrepancies, including the XXXX balance jump to XXXX FROM the previous months balance of {$59000.00} ; to date no such accounting, corrections, or response, despite the bank 's published policy of correcting errors within XXXX business days.
Since my next payment is scheduled as an ACH payment for XX/XX/XXXX ( also for XXXX for the regular, minimum payment plus the additional {$1000.00} principal curtailment, I called the bank today to find out exactly why no corrections, explanations, or response had been made since XX/XX/2023.
Today I was told that because the loan has a high interest rate and because I am making additional curtailment payments to pay it off sooner, the bank arbitrarily and without notice or explanation decided to only credit my regular minimum payment solely to interest.
This is in fact a contract violation as it is a penalty for prepayment, despite the contract stating there is no penalty for same.
XXXX?
I again requested the bank honor the loan agreement, void the random prepayment penalties, and provide a full accounting for all the payment discrepancies to date. They assigned me " request # XXXX. '' based on their denial to remedy this with my XXXX request, I am escalating this to you, especially because I am not the only customer whose agreements they are violating.
Please help!!!!!!!
|
| 03/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage payment, including escrow account, total changed from {$1900.00} to {$1900.00}. I made the payment of {$1900.00} on XXXX for my XXXX payment, which was {$5.00} short of total due. I always made my payments using Auto-pay and the total was not updated to account for the change in my escrow account contribution. I was contacted by Fifth Third bank by mail regarding the shortage and so I wrote a check for {$5.00} on XX/XX/2021. Fifth Third Bank contacted me by phone and I informed them of the check that was mailed out and they noted the payment was coming. I discussed the situation with the customer service representative. I requested the balance of {$1900.00} be refunded so I could make a new payment in full, {$1900.00}, but that was not an option. I corrected my auto payment to {$1900.00} and made a payment on XX/XX/2021 which cleared on XX/XX/2021. Check of {$5.00} was received and applied to my account on XXXX, bringing my payments to full. Fifth Third Bank reported me to credit bureau in XXXX for delinquent account total of {$350000.00}, not {$5.00}. My credit score dropped XXXX points because I payment was received but not applied to my account.
The {$1900.00} was not applied to my mortgage account by Fifth Third Bank but was deducted from my checking. When Fifth Third Bank was questioned about why that payment was not applied they stated " they did not know what to do with the payment, and I never called to tell them what to do with it ''.
I made all payments to Fifth Third Bank before and after the escrow total change. I have never defaulted on a mortgage payment with Fifth Third bank, nor any other mortgage company in the history of me owning my property. All communication with Fifth Third Bank was open and there was no avoidance on my part to correct the issue. The change in payment total did not impact the amount paid to my load, only to my escrow account. When I reached out to Fifth Third Bank there was no negotiation or talk of them helping me to rectify the situation. I requested to speak to complaints department and they stated a paper letter would need to be mailed into Complaints because they do not take phone calls.
I did not request to do business with Fifth Third Bank, nor was it an option to not do business with them. The fact that I am in a contract with Fifth Third Bank without any control over the situation is absurd. I was planning to make additional mortgage payments to my account to pay down my house faster. This was an option with XXXX XXXX XXXX whom I refinanced with, but is not an option with Fifth Third Bank. I am bound to the contract of a company that does not align with my financial goals and most definitely does not have customer financial well being as a concern.
|
| 07/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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Years ago, I closed my checkings and saving account with 5/3rd Bank and thought nothing more of it. Approximately 3 years later, in XXXX, I received a call from a collections agency, XXXX XXXX XXXX XXXX XXXX, that informed me of a debt I had unknowingly incurred after a payment posted to my aforementioned checking account that was closed. After calling 5/3rd and learning that both the debt was legitimate and that it had been sold to a debt collections agency after 5/3rd lost contact with me ( my phone number had changed ). On XX/XX/XXXX I settled with XXXX XXXX XXXX, XXXX for the amount of {$380.00} and obtained documentation proving as much. In subsequent years I would occasionally receive calls from other collection agencies inquiring about my 5/3rd debt, to which I would then showcase my settlement letter and they would go away.
Fast forward to last month ( XX/XX/XXXX ). I got another call from a collector, name unknown to this day, who, as usual, threatened me with a subpoena. I then went through my usual routine of providing them with my settlement letter, having been given an email address to send documents to : XXXX. This email address didnt work, having received a " return to sender '' email, so I called them back. They gave me a different but similar email address : XXXX. I tried that and got the same " return to sender '' email even after calling back AGAIN and them issuing me the same email address. After further investigation, I noticed that in the first email, I had spelled satisfaction incorrectly in the address. So, in theory, that explains that however, I called and stated that I couldn't get an email to go through to them and the person I talked to stated that if I emailed again they would take me to court for harassment. I responded by inquiring how they got my emails if I had gotten three separate " return to sender '' email for every address they had given me. He denied having the problem so I asked whether there were any attachments to said emails, to which he replied " yes '' and that the processing dept would review them and I would hear back in a week.
A month elapses and I hear nothing. Having been told I would hear back in follow up but never did, I decided to call to check on the status. Calling the phone number that first called me, XXXX XXXX XXXX XXXX, I was told that the status of my account was " Refusal to Pay '' and that the company in question was in the process of drafting a subpoena for me.
This was confusing as I had shown the company my settlement letter that had been accepted by at least ten other collections agencies, until this one.I stated as much over the phone. At this point I don't know what to do and I fear that a serious scammer has my information.
|
| 09/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Was not notified of investigation status or results
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Web |
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I have several businesses that have taken me into a deep XXXX. I started working on my credit last XX/XX/XXXX and have gotten my record pretty accurate. I got my first credit card in XX/XX/XXXX and it was in good standing up till XX/XX/XXXX when XXXX XXXX decides to close the account at no real logical explanation. XX/XX/XXXX I opened a XXXX XXXX account and during our business relationship we had some major communication issues and XXXX belittled me up until XX/XX/XXXX when I was notified they no longer want to do business with me! Both accounts were somehow involved with a XXXX fraud account that had applied these two to the fraudulent accounts and was debiting tedious amounts that took some months to notice. I contacted XXXX in XX/XX/XXXX to advise them of the fraud accounts and XXXX alleged to investigate the events and take action. I made several calls up to date and the accounts still reflect in my name. I dont understand why Im being done like this. I call and made complaints with all of them and have documented proof. I was part of the XXXX data breach and possibly the XXXX XXXX yet they do not care that this is not my fault. I can not get a bank account because allegedly Im in XXXX XXXX but the report I got from said XXXX XXXX does not reflect much that renders that decision. Im so terribly confused at the turn of events and the level of treatment I have received. I just learned I was also part of the XXXX data breach from XXXX and was never notified. I have been on top of my credit and these listed accounts and they have dismissed me with no explanation that could help me fix the issue or offer up logical explanation. I have written cfpb and called FTC filed a identity theft report and offered it when necessary. Hand in hand these financial agencies have black listed me and shamed my name for what seems to me what is called a risk factor that I had nothing to do with. They all claim to have fraud prevention liability ect. Im a victim of that Fraud they speak of and they show no sympathy even if possibly at fault. I can not get a credit card for the life of me. I have been postponed starting college do to all this stress and confusion. The literature I have read in these regards is mind blowing conspiracy type incidents. Cupful explains they hold the rights to do what is listed above. What happen to our rights that clearly hold no purpose when exercised? Trust? Act? Privacy? The rights to be heard? The right to know whats being used against me on file? In the USA we call it the land of the free and our constitutional rights are implemented to help us remember! Why and to whom? This is all so pathetic and I truly believe this is rigged to keep poverty where we come from wow how rude!
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| 04/15/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Company closed your account
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Web |
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This is the second complaint that I write today. I recently filed a complaint about XXXX XXXX XXXX They closed my account without investigating the crime that I reported to them.
When I opened an account in another bank, the criminals who already knew my information, returned to do theirs. This time, they sophisticated their behavior. They made me a job offer through XXXX and then ended up contacting me through a supposed XXXX account. Everything seemed correct.
As you will see from the documents I provide, they impersonated an existing identity to send me emails. This time I did several checks on the person 's existence and everything. And it turns out that everything was false, as you will see in the achievement of emails that I contribute. This had serious consequences for me. They sent me a fake check that the new bank, Fifth Third Bank, accepted. Consequently, that account was also closed for me. My credit history continues to be severely affected as a result of these events.
It is important that entities better train their employees on fraud. They can not treat clients as accomplices in a crime of which they have been victims. They must check the documents well, in this case, check the checks well, analyze them. I went personally, delivered it, and saw how the employee received it without taking any action. The check looked authentic. The entity accepted it, but as soon as they realized it was false, they closed my account.
Here I provide the email history of the alleged person who hired me and sent the check. It arrived one day in the morning before XXXX, in the morning, before starting my work, I received it through XXXX. They know that at that time people are running from home to work and that is how it was in my case, I handed over the check. I looked at it and saw that it said my name and the amount.
But the most important thing is that this person knew that I was going to receive that same day in my account at that bank my reimbursement of the University of more than 7 thousand dollars. In other words, I was counting on the check to go into an account in which there was money. He means, he knew exactly how much money I get for my XXXX studies and when. In other words, there is a gap in the system that worries me, since they are federal funds.
What I demand is that they review my credit history, my rating, and constant that this fact affected him a lot, and that is there until 2025. I have studied hard, I want to be a XXXX XXXX, I have to repay my university loan. My credit history should not continue to be so tainted by situations beyond my control. Banks must take an active role in the matter, create guarantee mechanisms. It is very unfair too.
Thank you.
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| 09/23/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
Servicemember |
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Fifth Third has become notoriously corrupt and financially RUINING ME in the last year -I closed a credit card account a ) this account became completely inaccessible, couldnt see anything about it, make payments anything. THIS is NOTHING about how the rest of the c XXXX lenders in THE ENTIRE WORLD. Ive had a credit card with EVERY MAJOR creditor in XXXX XXXX and XXXX XXXX ) After my prior CFPB complaint to make said credit card open online, they only made it PARTIALLY VIEWABLE. All I could see was the balance and really weird draconian way to barely figure out how to make payments. Nothing else.
C ) I made a future payment of {$1000.00} D ) I paid the card off completely prior to the future payment ( A WHOLE MONTH PRIOR ) E ) I contacted the bank NO LESS THAN 5 TIMES PRIOR TO THE FUTURE PAYMENT TO CANCEL SAID FUTURE PAYMENT WHICH THEY PROMISED EVERY TIME IT WAS CANCELED, AND LIED CAUSE I HAD NO ACCESS AND THE PAYMENT WENT THROUGH F ) I lost {$1000.00} because of THEIR NEGLIGENCE for A FULL WEEK G ) I call in, and company AGAIN through malfeasance of negligence decides to not train anyone. I tell Credit department to reverse payment, they say they cant and send me to debit, who tells me I cant, they send me to internet services, who says they cant and sends me back to credit who says in 5 business days I can see it again My money they negligently TOOK. It takes 6 days to see it reflected.That process of them putting me through the ringer took over 3 hours H ) 5/3 LIES IN CFPB REPORT IN ORDER TO CLOSE COMPLAINT that everything is taken care of with this -Fifth third lies on MULTIPLE occasions about FEES A ) 5/3 PROMISES on DAY 1 of contractual agreement about checking account that they will waive fees for international purchases, ATM, and Checking accounts for my wife and I as Teachers.
B ) 3-4 years later they change policy, WITH NO WARNING to us, and fees for all of the above are instituted. Been dealing with the lies for OVER 5 years now about the fees and have been feed nearly weekly -Fifth Third decides to block my account COMPLETELY,2 seperate checking accounts, 2 credit, and a savings account A ) 5/3 aggressively spent days blocking me from communicating with them the need to figure out my finances. I CANT ACCESS ANY OF MY 5 ACCOUNTS WITH THEM FOR NO REASON B ) I called they told me there was an internet error and to call back if it persists later C ) I call back after AN HOUR ON HOLD and the lady hangs up on me purposefully D ) I HAVE MAJOR NEEDS TO BE ABLE TO ACCESS THIS MONEY AND ACCOUNT AND THEY ARE PURPOSEFULLY BLOCKING IT ALL E ) The blockage for NO REASON of my accounts COMPLETELY COINCIDES with them LYING in CFPB solution AND MY NEGATIVE XXXX, and XXXX XXXX REVIEWS
|
| 09/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Dear Consumer Finance Protection Bureau, My name is XXXX XXXX and I am filing this Complaint with your department a copy of the same was sent to FBI team and Federal AG XXXX XXXX XXXX Office also regarding the disasters done by Fifth Third Bank by not following the FBI Complaint that was filed on XXXX XXXX regarding the XXXX XXXX XXXX relief money that was delayed for 12 months and caused the financial burdens for me. I also sent the copy of the FBI Complaint to the XXXX and told them to put the account on hold as the delay occurred from the XXXX XXXX XXXX department side and was not my fault. I have sent the regular loan payments from XX/XX/XXXX till XX/XX/XXXX and then had to stop the payment as I waited for the XXXX XXXX relief money which I filed a complaint to the FBI after the delay caused. I have sent correspondences, phone calls and relevant documents which I will attach after filing this Complaint. The phone calls from XXXX team made me get XXXX XXXX and I was in Emergency with XXXX XXXX on XXXX XXXX and that's when I filed the FBI Complaint after coming from the Emergency. Inspite of me sending them the FBI Complaint on XXXX XXXX, they sent me a default letter on XXXX XXXX for which I corresponded asking them to put the account on hold until I receive the XXXX XXXX relief money. They did not heed to my request and then they towed my car from the parking lot and my car went missing and I called XXXX and spoke to police department who said the car was repossessed. I then sent a letter to XXXX asking to return my car else I will take action on XXXX XXXX. They sent me a letter on XXXX XXXX that they have repossessed the car. I sent the documents to the XXXX XXXX XXXX asking for {$200000.00} plus the value of my car {$39000.00} and the interest I paid from XXXX till XX/XX/XXXX for causing me XXXX XXXX and bodily injury along with not following the FBI Complaint of XXXX XXXX and wait for the resolution of XXXX XXXX relief Orders from the FBI. Now I am without car for 58 days and renting and spent more than {$5000.00} in renting the Cars and taking XXXX to travel. Can you please get me back all these money as equitable relief for the damages done by XXXX so I can buy a new Car immediately. I am moving to XXXX and packed all the items for the move and put the US Mails on hold. Can you please call and email me only and send me the relief? Thank you so much for all your efforts in this matter and getting me the relief money after validating the XXXX XXXX relief application, 3 months of Calls I made to XXXX XXXX team, FBI Complaint, Emergency visit and prompt loan payments till XX/XX/XXXX and my credit score of XXXX sending in the attachments.
Best Regards, XXXX XXXX XXXX
|
| 11/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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I received my escrow analysis on XX/XX/2018 and it is incorrect by a lot. {$450.00} to be exact due on XX/XX/2018, or ( of coarse ) my mortgage would be affected by the shortage for the next year. On XX/XX/XXXX I called my bank to claim there was something wrong with my analysis since the shortage was so large ( I expected maybe {$10.00} to {$20.00} difference ). At which time I would of paid the difference to keep my mortgage within the same price range as I am on a FIXED income. Knowing my last bank statement had my escrow account balance at {$380.00}. The mortgage personal on the line quickly realized the mistake of my analysis starting my escrow balance at {$3.00} and said I'm going to put in a request for the escrow department to do another analysis. I inquired will I get the new analysis before the XX/XX/2018 escrow shortage due date, she checked and said " Yes, you should have it in the mail by the XXXX. It didn't come the XXXX or the XXXX of XXXX, so I called my local branch to get some help from someone there. Was told " I can't do anything with an escrow dispute, unless it's in writing. '' I asked if I could speak to a Mortgage personal, she said she was one and I would have to call the XXXX number for the branch. So I called them on the XXXX only to find out the escrow department declined my request as ( and I quote ) " we only have to do one analysis a year. '' Called my bank again today the XXXX as they also included in my actual column on my analysis two house insurance payments within two months of each other, even though its in bold writing, Which is another {$480.00} clerical error on my analysis. Between the two XXXX ups done by XXXX escrow department it totals {$860.00}. They wouldn't help with the last XXXX up and I don't trust them to decline this request. So, I apologize if I'm jumping the XXXX with this complaint, but they didn't do another analysis on the XXXX as I had been told would be done. I didn't realize the escrow department had the right to decline an analysis request, especially with any clerical error. I also called my house insurance company to check and see if they didn't get paid twice to create a shortage, they haven't. Just currently stuck in a situation where I don't trust my bank with my money at all anymore. I also want any extra monies applied to my escrow to date applied to my mortgage principle printed on a bank statement. As a small change was made to my mortgage payment before the so called escrow analysis was done. The payment was made on the XXXX of XXXX and the increase was put into my escrow account. I currently haven't received my mortgage statement yet as they are printed on the XXXX of each month and received by now.
|
| 07/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Dividend finance is the company who financed my solar panels. We applied for solar back in XX/XX/XXXX, but from getting them installed took months, so we actually dealt with the company installing the solar panels which took months, because of county permits, etc. So by the time panels got installed it took months after we signed paperwork back in XXXX. Panels finally got installed and we wouldn't start paying until 60 days after installation before payments would begin. Dividend company didn't even send a prior notice n it notification, payments began but when they began I didn't even remember who the finance company was at this point was anymore. By this point in XXXX I just noticed " dividend 102 '' with money missing in XXXX, at this point and XXXX from my bank account and I flagged it as unrecognized, in which XXXX XXXXXXXX XXXX put in an investigation, because they didn't know who Dividend 102 was either and usually they have more information regarding names such as " dividend 102 '' that were automatically taken out as payments, or they can give me a phone number, but nothing was showing on their end either, so no phone number, address, nothing. After a week of investigation which by this point is, late XXXX they determined in my favor and returned the money to my checking account ... Days pass that's that's when XXXX XXXX notifies me of my credit score going down XXXX points and who finally gives me the information I needed to finally reach Dividend, and put together who Dividend,102 was and finally I was able to reach out to them, catch up on my account immediately in the beginning of XXXX, I even payed XXXX early. I tried speaking to supervisors, different representatives and see if I could be forgiven for all the misunderstanding, and up until now they do not want to help me resolve this. The main reason I am so skeptical with weird transactions, I was a victim of identity theft 7 years ago, and I have proof of that, I even have my credit frozen in all 3 credit bureaus and have to unfreeze my credit when I have to for sure situations, I really take care of my credit. My XXXX credit went down the drain because of this company, XXXX points! While XXXX and XXXX are in excellent standing in the mid 700 's. Dividend didn't even bother to send me a statement before my first charge in XXXX, XXXX, or even XXXX... I barely received my first statement in XX/XX/XXXX, and I received them both thru email and text.
I explained the situation to dividend finance and even sent paperwork explaining how and why the confusion happened, even a letter from XXXX XXXXXXXX XXXX, it wasn't that I was deliberately late, I'm never late to any of my credit cards, mortgage, etc.
|
| 04/20/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
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On XX/XX/2021 a transaction was sent to my sister through XXXX XXXX XXXX XXXX app ( XXXX ). This transaction was never received by my Sister. I have disputed this with the bank twice. The only information they provide is that the transaction was completed. They have not provided any information about the transaction between XXXX XXXX, XXXX, and XXXX ( my sisters bank ). My sister has worked with her bank on the transaction and according to their records there is no transaction associated with number provided above to them.
I have been to my local branch on 2 occasions : The first occasion I met with an Assistant Center Manager at the XXXX Indiana Branch XXXX XXXX. At the time, this transaction had been sitting in pending for upwards of a week. Neither myself or my sister were users of XXXX so she first had to sign up. I was not aware that I needed to do anything with the XXXX app since it is integrated into Fifth Thirds website and gives no instruction about downloading the app or anything else except to click here. After a week, I went to the bank met with Assistant Manager and Asked her if she could cancel the transaction. At this point she could see that the transaction had been pending for several days. She commented that she did not know why it had set out there so long and that it should have returned to my account if the funds were not sent after specified period days ( which had already transpired ) She ended up resetting my account in XXXX. When she did that two things happened. My transaction changed to sent and a transaction for XXXX $ that my sister sent to me through XXXX came through. I was told to wait a few days and it would show up in my sisters account.
On XX/XX/XXXX I returned to my local branch and met with the XXXX XXXX the Assistant Vice President of the local branch. He investigated and was puzzled why the transaction had not gone through. He also indicated that the money should have been returned when it stayed in the pending status longer than the allotted time. We filed a dispute on XX/XX/XXXX concerning the transaction ( XXXX ). This dispute was denied approximately 10 days later with the only explanation that the transaction had been sent. I filed an appeal only to have it denied 60 days later with no information provided other than the notice from XXXX indicating the payment was sent.
I would at least like to know the dates and account numbers that were involved in the transfer. I have not been able to talk to anybody other than low level customer service representatives who transfer me to different departments each which is staffed by another low level representative who has no power to do anything except take messages.
|
| 01/25/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX, OH XXXX : Letter of Hardship -Acct : XXXX ( Personal Residence ) -Acct : XXXX XXXX ( Rental Property ) Dear Loss Mitigation Customer Care , My family and I have been solid Fifth Third customers for many years, and I appreciate the opportunity to relate the circumstances that have led to the currentdefault status of my Flex line account. Please note that I have XXXX separate Flex line accounts with Fifth Third Bank : My residence at XXXX XXXX XXXX XXXX XXXX. ( Acct : XXXX ) DefaultMy rental property at XXXX XXXX XXXX. XXXX XXXX. ( XXXX XXXX ) Commencing with a letter I received on XX/XX/XXXX from Fifth Third Bank XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I have been attempting to understand how my residence is in default when I have consistently paid my monthly payments.Upon further investigation and dialogue with Fifth Thirds Mr. XXXX XXXX XXXX we were both perplexed at how payments had been applied to principal and interest at both properties ( listed above ). Mr. XXXX pulled up records from as far back as XXXX, but despite working with me for over an hour on the phone, he could not make sense of the payment history, how the payments were applied, or how my residence was suddenly deemed to be in default. There appears to have been some confusion on my account ( s ) regarding allocating my payments, and possibly in conveying notice to me that outstanding late payments or other charges were potentially impacting my loan negatively. This is by no means an accusatory letter, and I readily acknowledge that I have been overwhelmed by several events in my personal life ( XXXX XXXX of several family members, tenant evictions, XXXX setbacks, etc. ) that may have caused me to assume continuity in my Flex line account ( s ) status since I have consistently paid the indicated payments due per my monthly notices. I would like to resolve this matter as quickly as possible, and I have begun the process of gathering my information in preparation for a loan modification if that is what is deemed necessary? As part of this process, I would appreciate written confirmation that details the exact issues that have led to the current default status. I want to be able to verify that loan payments were appropriately applied to my account or can still be remedied by Fifth Third Bank if it is found that payments werent properly applied to principal, interest, late payments, etc. that may have occurred in the past. Ultimately, bookkeeping errors could impact the loan balance owed, and it is important to establish that amount accurately. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXy Twp. MI XXXX Please note : The Co-borrower is XXXX.
|
| 04/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
It is my fault that my account became in overdrafted XXXX XXXX . I lost track of what had and had not been deducted. The Charges Float and transactions do n't appear for days -- making it difficult to estimate how accurate my online checking is. My account overdrafted, payment where returned/ denied. I transferred funds and payed the $ 200+ in fees for every specific over draft item on XXXX XXXX . What I can not accept is when the company, without my authorization allowed other companies they rejected payments from to Retry Pymts, which in effect created another {$200.00} in fees to stack up only a few days after bringing my account to balance. I would have closed my account if I thought something like this would happen.
Fifth Third Bank does not record charges and purchases on ATM or debit cards in the order they actually occurred, they allow charges to float for days, then reorder them to suit their overdraft system. The Charges Float and transactions do n't appear fo r days -- making it difficult to estimate how accurate my online checking is. Fifth Third Bank reorders the charges and purchases so that the largest charge or purchase is the first one paid by the bank, and uses the smaller ones to rack up overdraft fees of {$37.00} each.
They did this to me twice in less than a week. They over-use the Return Item/Overdraft, then allow indefinite Retry Pymts r equests to be processed, even when its already in overdraft, stacking up fees of {$37.00} for each retry payment, which they allow without my authorization. They should limit the numbers of retrys. I would prefer my account just be denied use if it is over-drafted. Its not just to charge an account that is already in over draft several times more there after. This company is close to charging {$400.00} in fees in less than one w eek. I want to cancel my primary checking account. Customer service informed me that I must keep my primary checking to deposit my pay-checks in a timely manner. I will switch all my charges to my express checking account, becaus e 5th 3rd customer s ervice has assured me that that account will not allow overdrafts, or overdraft fees to stack up like my current primary checking. When I receive my next pay-check on Thursday XXXX XXXX XXXX I will deposit it into my account and let the cash sit in there for a couple days to catch the rest of these floating repayments. I will go through every third pay system and delete the primary checking account number. I feel like the second + {$200.00} dollars in fees they have applied to me is unfair and unjust, especially because I had no control over authorizing the Retry Pymts requ ests.
|
| 07/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
My Name is XXXX XXXX and I am XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXlocated in FL. I am not sure if you will be able to help but XXXX XXXX XXXX XXXX told me to try here.
We have been with Fifth Third bank since XXXX of XXXX after filing for XXXX XXXX XXXX. Our case was dismissed, not discharged, in XXXX of XXXX.
We looked into the PPP when it became available and a rep from 5/3 called and did the questionairre on the phone. I told him about the XXXX XXXX and we were accepted with {$110000.00} being deposited in our account.
I received emails to apply for forgiveness which both our CPA and I tried to do. I went to the branch and asked a rep and was told he didn't think the portal was open. A few days later I spoke with XXXX XXXX XXXX with 5/3. He also tried the portal which didn't work. We spoke a few more times and he thought maybe it was because of the filing. I received invoice in XXXX and made it and three more payments of {$9100.00} per month hoping we would find out something with XXXX saying it would be returned upon forgiveness. I emailed XXXX and asked for a reduction as that amount was difficult and was told he didn't control that. He suggested I speak with the SBA. I did speak with XXXX XXXX on XX/XX/XXXX and explained it all to him and he emailed me with information with a link to " XXXX XXXX XXXX with XXXX XXXX, XXXX, XXXX XXXX XXXX having infomation pertaining to our situation. I forwarded that to our CPA and to XXXX. Our CPA XXXX XXXX asked me to set up a three way call with XXXX to discuss the problem. I emailed XXXX and again and again. His response was " he was working with management on this. I will get back with you. '' XXXX XXXX, I went into our branch spoke with branch manager who called XXXX and his response was the same. She gave me a fax number that I sent a letter to with no response. Since that time I have emailed him many times ( have emails of ) with no response.
Beginning of XXXX received a letter saying we are in default. I called the number on the letter ( XXXX bank ) spoke with a XXXX who told me nothing could be done. Perhaps if I had been able to speak with someone else to give me guidance I wouldn't be here now. The only one who did try to help was the branch manager who was fired two weeks ago-coincidence? I really can not believe that a bank involved in these loans has no knowledge of solutions when problems arise. Now I live in fear that the bank will freeze our account.
I really don't know where to turn. I have called a business attorney who said it wasn't their expertise. I have been in touch with XXXX XXXX with SBA who sent me more information.
I am hoping you may be able to help.
Thank you,
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| 07/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Fifth Third sent me a letter saying that my property insurance expired and instructing me to submit proof of insurance. They dated the letter XX/XX/XXXX, which is the actual date that my insurance policy expired and was renewed. My insurance company renews the insurance every year, and their notification specifically states that they will notify the mortgagee if they do not renew the policy. I believe that the insurance company additionally sends notification of renewal to Fifth Third every year, probably on XX/XX/XXXX when they renew it.
My complaint is that it's inefficient and bothersome for Fifth Third to send me the same letter every year on XX/XX/XXXX, without even giving the insurance company a few days to send in the mortgagee the renewal notification. Additionally, Fifth Third knows that I've renewed the policy every year and that my insurance company can easily provide proof of renewal directly. Third, the insurance company has promised to send Fifth Third notification if I fail to keep insurance in force. Fourth, most mortgage companies have sophisticated communication systems with major insurance companies ( like mine ) and can more efficiently verify insurance by contacting the insurance company. This is often done with direct communication links and doesn't require anything out of the ordinary. Fifth, before Fifth Third became the servicer for this same mortgage, there was a different servicer who did not engage in this wasted effort.
It is simply a waste of time and effort for everyone for Fifth Third to send the letter to me on the renewal date instead of waiting ten days or so. It wastes my time locating proof of insurance from my insurance company and sending it to Fifth Third. It wastes my insurance company 's time and energy providing the proof of insurance to me even though it was already provided. It wastes Fifth Third 's time in reviewing my proof of insurance this way even though it would be more efficient to do in another way.
Fifth Third 's servicing procedure could easily be changed to wait ten days and then see whether or not my insurance company sent notice. Alternatively Fifth Third could easily contact my insurance company or safely rely on the insurance company 's agreement to notify them if the insurance policy does not renew.
Instead, Fifth Third sends me a threatening letter indicating that they will buy insurance on the property unless I provide proof of insurance immediately. This is just not a reasonable use of everyone 's resources. Also, the threatening letter is unnecessarily harsh and demanding, particularly since they don't even wait ONE day after renewal to allow time to receive proof of insurance.
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| 09/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XXXX Fifth Third asked for our condo insurance as XXXX XXXX XXXX.
XXXX from XXXX XXXX sent it to Fifth Third ( confirmation number XXXX ) while I was on a conference call with a Fifth Third representative ( XXXX ) and XXXX. This was XX/XX/XXXX XXXX sent it ... .never made it into Fifth Third system .... my monthly dues went up as they XXXX an insurance by themselves and put it in my escrow ... ..even though I kept on making payments monthly it never got applied to my account as my payment was for previous amount.
I subsequently called XXXX got the doc myself and mailed it to them at the email address XXXX Talked to Escrow department of Fifth Third 0n XX/XX/XXXX around XXXX PST as by that time they already dinged my credit file with a late entry.
Escrow confirmed that insurance is cancelled - will take 7 to 10 business days for that to post to the account.
In parallel they kept on returning my payments to me in check as it was not matching the current dues - all this while they knew that the above has happened. They finally settled this in early XXXX and their credit department dinged my credit by saying I was late ... ..as they did not accept my payments for my regular amount {$2600.00}.
Please note ... that they confirmed on XX/XX/XXXX that they have cancelled the insurance on their side since they got the necessary document and yet they still dinged my credit file for XX/XX/XXXX as being late when the escrow agent clearly guided me that the additional payment showing due for me will get cleared as they remove the insurance they had put in escrow from my account.
I asked for an investigation into those late payments entry in my credit file to Fifth Third and the answer came back as a one page canned letter saying they did not do anything wrong.
The late thing resulted as they did not accept my older payment and returned in spite of the delta increase being resultant of process gotcha on their side and they had full knowledge that I was working with them to sort it out when it was not even my issue.
Just so you know they did it this year too ... .. this year they sent a paper mail asking us to upload the document into a site ... i did not even depend on XXXX ... I got the doc and uploaded to that site myself .... got an email confirmation on XX/XX/XXXX and yet on XX/XX/XXXX I saw they pulled a insurance and put it into my account ... .the reason being the systems process on their side is so flawed that even after i uploaded the document to the site they asked me to it still did not attach to my account .... but being burnt once I was alert so caught them early before the above story repeats itself and got it straightened out.
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| 08/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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In XXXX, I called them up to close my secured credit card due to hardship I was having with being out of work for so long. I was trying to protect my credit. Also because I already had way too many credit cards open. I requested that they also make sure that my security deposit gets moved over to the balance so it pays off the balance. They told me it can take up to XXXX to 60 days for the funds to get moved over which is absolutely false! Had many secured credit cards before and only takes a few minutes! I had an issue with this exact same issue with this bank before where they purposely did not move the funds over and the account with them not only was reported late, but got charged off! The exact same thing is happening again! They are not doing what the law requires them to do when you have a secured credit account! When you close the account, it is automatically supposed to be moved over to pay off the balance! That is what a secured credit account is there for. To pay off the balance once it is closed! They are purposely setting me up to fail! I did call them last week to do an investigation, but never heard anything back! I did tell them when I closed this account to make absolute sure these funds gets credited back to my account to pay off the balance. I am never doing business with this bank again! I want to file charges agains this bank for fraud! This is exactly what this is! This credit card is not even showing up on my profile anymore, and am blindsided to even know what my balance is! Think they are doing this on purpose!!! Cant pay this account even if I wanted to.Absolutely no information showing on this account to pay it! Only shows my old credit card number before it was changed with a XXXX balance. I received XXXX emails from the telling me im delinquent and must make a payment right away! They are not doing their jobs, and will only result in my credit report getting damaged again! I will sue the bank this time if this account causes any damages done to my credit report again because of carelessness!!! This is absolutely ILLEGAL!!! I know for a fact that I will have a case!!! Not ruining my credit I worked very hard for because they don't want to do their jobs and do the right thing!!! They should not be offering secured credit cards to customers, if they cant apply the funds to the customers accounts once closed! They do not have the right to just keep the money! That is fraud and theft!!! Also, there was a similar complaint filed with the CFPB a few years ago from the first issue I had with this bank for the exact same kind of issue!!!
( Case # for the banks investigation which I never head back from. case # XXXX )
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| 05/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Starting XX/XX/2014 I accepted and signed a loan contract to purchase a new XXXX XXXX XX/XX/2014 from a local dealership with Fifth Third Bank. I had 60 days until the first payment was due. The loan states I owed 73 payments of {$480.00} monthly. The Bank later then sent a new payment arrangement with new and lower payments of $ XXXX/month we qualified for due to our ( co-signer ) credit score, however the extended more than 73 payments, This did not make sense to me. I still decided to follow and pay the first payments amount of {$480.00}, Bank sent a letter informing me that they charged extra fees for late payments and that they were charging me for insurance, when I already had my own insurance. I kept sending my monthly payments with money orders. Bank was persistent in charging insurance fees and late fees even when I contacted and showed proof of the vehicle being insured and asked why are my payments being received late when I sent payments weeks before due date. Bank would make multiple calls through out the day asking to bring my account current, so In good faith I sent {$620.00} on top of my monthly payment. Thinking that would resolve the issue. According to the bank payments were still being received late so late fees kept piling up which at this point I was just exhausted and hopeless, regardless I still stuck with sending Same amount monthly and ignoring their constant persistent calling and threats of repossession or delinquent account even though Im still paying? I received a notification last year that the Bank insured the body of car, I always had full coverage insurance on my car so why would the Bank on there own decision even insure the car? At this point I know the Bank just uses unfair business tactics against thier costumers for their greedy purposes. I researched reviews and noticed similar not far fetched experiences that I am going through as well. Finally one more last thing the Bank repossessed the car since my account has never been current, I contacted the Bank to see what solutions we can find to either just let the car go or bring my account current I was not paying one single dime more that I was certain of. The reps found out that all my payments were being received and could not explain to me why it was repossessed that shows how unorganized the company is. Long story short the bank returned the car back and stated that the account is actually current. I did not have to pay all the extra fees and past due amount they were charging all along. Its been almost a year since then. I continue to make payments but here again late fees and past due amounts come to hunt me again ... Im tired I want justice.
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| 06/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Impersonated an attorney or official
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Web |
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On XXXX XXXX, 2016 I received a phone call on my cell phone from an unknown number. The woman said her name was XXXX XXXX and that she was representing XXXX. She said that she had mailed out documentation to me that I had a complaint pending out of XXXX County. Told me that her time was limited and that i had not responded to the documentation. She knew where I worked. Said that she was going to call the payroll department to take care of the debt.
I called back. She informed me that the debt was from the bank I had been with several years ago. That I owed {$990.00} to them and that if I did not pay the debt, that I would no longer be allowed to hold a bank account for the next ten years.
Red Flags should have been : 1. I banked with this bank out of XXXX County, not XXXX County 2. This bank actually issued me a check in that amount over 2 years ago, stating that it was for unnecessary fines.
3. They never sent me paper work stating that the funds would be removed from my account. Any debt collector sends a statement to you to let you know that the funds will be taken out so that you make sure that funds are in the account.
I questioned it, but honestly, at the time I was in a stressful point in my life and she was scaring me that my bank account would be shut down. She knew my social security number, where I worked, where I lived ... So I gave her my debit card number and set up 3 recurring payments. The first one came out on XXXX XXXX, 2016 for {$320.00}. The second was posted to my account on XXXX XXXX, 2016 for {$320.00}.
This morning I got paid and was working on bills. I wanted to call this company to see if I could split this last payment in half between XXXX paychecks. i looked up the company online and WOW! There are scam alerts out for this company. XXXX XXXX name was even listed as having called another person.
I looked at my bank account to see if it had been debited yet, and drove up to my bank to try to stop the payment. I explained everything to them and tried to put a stop payment on the debit. Just that quick, they had already put the transaction through. I cancelled my debit card and filed a dispute against them with my bank. They are not sure if this final payment will take or not since I cancelled the debit card associated with it. I have to check back again tomorrow.
I am not a rich person but I am not a dumb person either. It concerns me that they have all of this information about me. I have seen a few Blog scam alerts online. People discussing it, having the same issues, saying they need to file a complaint. I 'm not sure that any of them have, so I wanted to make sure someone knew about this group.
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| 08/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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Summary of Complaint : Fifth Third Bank changed the status of two of my business checking accounts from " Basic '' to " Premium '' and " Elite '' without any communication to me at any time. This occurred the month after a change in checking account fee structure and minimum funds was announced. Fees for below minimum funds have totaled {$1000.00}, and Fifth Third has refunded {$320.00} so far, but say they do not refund any more to customers. The resolution I seek is refunding of the {$720.00} balance to me.
I have spoken with bank representatives four times regarding this complaint, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all in XXXX.
The two business checking accounts are : " XXXX XXXX XXXX XXXX '' acct - XXXX opened XXXX " XXXX XXXX XXXX XXXX '' acct - XXXX opened XXXX In XXXX and XXXX, I opened these accounts as " Business Basics Checking '', with no service charges for minimum balances.
On the XX/XX/XXXX bank statements, there was fine print at bottom with a general statement, " Some of our fees are changing ... '' with no other specific information.
The following month, XX/XX/XXXX statements show account XXXX was inexplicably changed to " Business Elite Checking '', and XXXX changed to " Business Premium Checking ''. No service fees were charged that month, and no communication was provided in explanation of any new fee structure.
I did not request these accounts to be elevated to " XXXX '' or " XXXX '' levels, never received notification of these changes, and have never used any of the additional services available to these levels.
However, it turned out that " Elite '' and " Premium '' accounts had minimum balance service charges. " Basics '' does not.
Since then, fees for below minimum balances have been charged and money removed from my accounts whenever balances fell below the minimums set by the " Elite '' and " Premium '' policies. Through XX/XX/XXXX, a total of {$550.00} was taken from XXXX, and {$500.00} taken from XXXX. No fees would have been charged if the accounts were left at " Basic '' levels.
After talking with bank representatives, the bank tried to remedy the situation by reversing service charges of {$75.00} on XX/XX/XXXX, and {$250.00} on XX/XX/XXXX. This leaves {$720.00} of money remaining to be returned to me.
The bank says no further service charges can be refunded because " {$250.00} is the most we've refunded to other customers in the past ''.
My uploaded documents show the bank statements where my checking account status was raised without permission or communication from Fifth Third Bank, and spreadsheet of minimum balance service fees charged.
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| 03/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XXXX XXXX, I was a victim of a XXXX scam. I had put up my daughter 's bed to sell on XXXX XXXX. Someone contacted me about it and wanted to buy it. They asked if I used XXXX, and I said I think I have/can. I knew it was linked with my accounts with my bank and I could go through my banking app to receive the money. I gave the person my email address to send be the money. I got an email from " XXXX '' stating I have a pending payment of {$400.00} ( the price I was selling the bed for ), but they noticed my account was limited and not a business account so I couldn't be credited. They stated I would need to ask the sender to send an additional {$300.00} so it can be changed and then I would be credited the {$700.00}. I have never used XXXX and it was through my bank, so I thought, ok, I'll do that. Well, then I received a second email from " XXXX '' stating that the {$700.00} is now waiting to be deposited into my account, but I was required to send the {$300.00} back to the buyer so that I would get my {$400.00} and for the buyer 's security. So I sent the {$300.00}, again thinking " This must be ok because it is going through my bank app ''. Then I received a third email from " XXXX '' stating they received my {$300.00}, but they noticed my account wasn't fully upgraded so I needed to send an additional {$500.00} for my account to be fully credited. They let me know that this was the last stage and once I did that, they would give me the {$1200.00} back. Again, not questioning it ( like I should have ), I sent them the {$500.00}. I then yet received a forth email from " XXXX '' stating I needed to send in {$700.00} for some I.M.F. certificate. At this point XXXX wouldn't let me send more than {$200.00}, so I sent {$200.00} through XXXX and the additional {$500.00} through XXXX. I then received a fifth email from " XXXX '' asking for an additional {$1000.00} because they deducted {$1000.00} from the buyer 's account and was putting it in my account ( which they never really stated why ) and that I was required to refund the buyer back the {$1000.00}. At this point I started to get suspicious and stated to the buyer that I was going to check this out with my bank in the morning. The whole time I was sending the money and getting the emails, the buyer was sending me messages stating he got the money and was trying to show me proof that he was sending money. After I stated I was going to get ahold of my bank, I never heard from him again. I was able to get the {$500.00} back from XXXX, but my bank has denied my fraud claim stating they were unable to get the money back from the XXXX recipient. Of course they didn't, it was a scam!
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| 05/20/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I filed a homeowners insurance claim and was issued a claim check for the repairs. It was made payable to my mortgage company fifth third bank and to myself. I called fifth third and was told for faster service to also provide their loss draft dept with my adjusters worksheet and a prepaid next day air envelope for them to return it to me. Which I did. They advised me that the process would take 3-5 business days. They received my check on XX/XX/XXXX at XXXX. They misplaced my check on someones desk for the next 5 days. On Thursday XX/XX/XXXX i called and spoke to a agent who tried to help but said she can not help me as she does not know where my check is and that things are so messed up in their loss draft dept that she was going to quit by the end of the day. She then started to cry and put me on hold. After about 20 min a supervisor ( XXXX XXXX XXXX XXXX ) can on the line and told me that she was sorry my check had not been processed and that she was personally going to get it endorsed and over nighted back to me. She assured me that she would be calling me back by days end with a tracking number to the return check and that they would NOT be using the certified envelope that I had provided them. The day went on with no call from Miss XXXX. I called and left 2 voicemail for her asking where my tracking number was as promised. I have not heard anything back from miss XXXX and the morning of XX/XX/XXXX I called the loss draft dept again. After 45 min on hold I explained the whole story to the agent who then transferred me to Miss XXXX associate " XXXX ''. She told me that XXXX had tasked her with sending my check out and getting me a tracking number and that she had forgotten and was doing it as we speak and that she had also missed the cut off time for XXXX pick up for XX/XX/XXXX. She gave me a tracking number and said she paid {$65.00} to have it overnight XXXX to me for a Sat delivery. That was on XX/XX/XXXX. Sense XX/XX/XXXX the overnight tracking number has not moved. XXXX has not received the package to scan it in. My check has not been endorsed, is still lost or sitting on someones desk. On XX/XX/XXXX i called Miss XXXX phone and finally she actually answered. I explained the ongoing issue with her and she said there was nothing more she could do to help me. She did not know where my claim check was and that I could take this up with her supervisors if I wish. Fifth Third loss draft dept has had my claim check now for 11 days and they refuse to endorse and send it back to me. I have been living in a house with no kitchen or floor for 1 month now and need to pay contractors to repair my damage. Can you please help ASAP?
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| 04/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On my statement dated XX/XX/23 : Due date and amount due is : XX/XX/23 in the amount of {$270.00} ( {$270.00} principle and {$.00} interest ). The amount due is the last amount due on my mortgage, aside from {$1400.00} that I deferred during Covid-19. I made my mortgage payment online ( which is the payment process I submit all my payments ) on XX/XX/23. I tried to submit a payment in the amount of {$270.00}, however, when I tried to make a payment, I received a prompt that stated " Amount must be between {$270.00} and {$270.00} ''. So, I went to " other payment option '' and made a payment in the amount of {$270.00} ( which was the only amount I could submit ). After a couple days after submitting the payment, I noticed the payment was deducted from my checking account and the payment went to " unapplied credit '' on my mortgage account. On, XX/XX/23, I chatted with an online representative and they stated they would send in a ticket to have my payment sent from " unapplied credit '' to my mortgage payment. They said to wait for 4 days for the payment to apply. I waited XXXX days and the payment was still under " unapplied credit ''. I then called the mortgage telephone number several times and talked to a representative on ( I believe the dates were ; XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 ). ALL OF THESE representatives gave me the same runaround as the representative I chatted with .... '' my payment would be applied to my mortgage payment ''. I also called my local fifth third branch on XX/XX/23 and they stated I needed to go to the branch to make my payment and have it applied. I went to the local branch and they said they could not help me make the payment. They chatted with someone online and that person told me to call the mortgage telephone number. Which I did call and the date is shown above. Also, on XX/XX/23, the representative told me to give them my checking account number so I could make a {$1.00} payment since the amount I paid was almost {$1.00} short. That payment was taken out of my checking account and sent to " unapplied credit '' on my fifth third mortgage account. On XX/XX/23, Fifth Third charged me a late payment fee in the amount of {$13.00}. On XX/XX/23, I requested to speak with a supervisor but the representative told me this was not possible at that moment and I will have to wait for a supervisor to contact me within 72 hours. I believe I have been patient enough and I need this situation handled ASAP. I have wasted hours of my time and have received several mail correspondences as well as emails regarding my late payment. I made the payment on XX/XX/23. XXXX payment is not late!! Please help!
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| 10/26/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
Older American |
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This complaint is focused on the fact that 5/3 Bank did not need to secure a hard copy of my credit report because the XXXX pre- personal loan application failed before it went to underwriting.On XX/XX/2016 I applied for an unsecured line of credit in person at 5/3 bank and brought a XXXX credit report on myself dated XX/XX/2016.I met XXXX XXXX from 5/3 face to face to go over my complete credit info on XXXX XXXX the application date.I told him I was requesting a pre approval application before 5/3 bank hit my credit report for a hard copy.He refused as I requested to get underwriting on his speakerphone and He was just too lazy to do conduct a pre-application approval.On XX/XX/2016 I received a letter from 5/3 underwriting which detailed the XXXX reasons why the application was refused based on my XXXX credit report they did not need to acquire.The XXXX reasons were ; insufficient credit experience and number of credit inquiries which were XXXX they reported which matched The XXXX credit report I brought in to XXXX XXXX on XX/XX/2016.In addition all of the creditors listed on my report dated XX/XX/2016 exactly matched the ones listed on the duplicate report from XXXX dated XX/XX/2016 requested by 5/3 bank.
This is nothing more than 5/3 bank malisciously abusing their authority and ability to secure unnecessary credit reports which as you know are terribly damaging to the consumer. All the Bank had to do was look at the XXXX credit report I presented which matched exactly the XXXX report they requested on XX/XX/2016 and the pre-application would have been denied after discussing my credit report dated XX/XX/2016 with 5/3 underwriting.Now I have to endure the unnecessary pain caused by 5/3 bank to my FICO score.
I am asking the CFPB to demand that 5/3 bank request a redaction of the XXXX credit report request since they did not follow well established bank policies.I am XXXX years of age and have dealt with 5/3 and it 's excellent predecessor XXXX.I always for any loan application have been given a chance to pass the pre-application process before going to underwriting ; from real estate to installment loans both encumbered or unencumbered this is a very basic tenet of the banking business.XXXX has attempted to take an easy shortcut so He could not fulfill my request for a pre-application loan approval.He was too busy discussing a non issue by underwriting on my credit report with me that had to do with a PAID tax lien All He had to do was put XX/XX/2016 underwriting on the speaker phone and after discussing the findings from the XXXX credit report I brought then underwriting would have denied the pre-approval application.
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| 07/13/2023 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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This is in reference to Account XXXX. XXXX at Fifth Third Bank. Day before yesterday, it was brought to our attention that our account balance of {$41000.00} has been wiped clean, account closed and turned in to collections some months back. Please note that no transaction was authorized by us from the account, neither did we know about this situation or we would've bought this to your attention earlier. We have been preferred banking customers at fifth third and have maintained high balances for a very long time. For something like this to happen is not just mind boggling but also extremely stressful. As I report this, I can not describe the amount of worry and mental agony this misfortune has brought to us. we called in to customer service trying to get into online banking as we have been unable to access the account online for quite some time. At the call, we were transferred to collections and then back and forth between fifth third customer service reps and collections with no explanation as to how something like this can happen. We also reached out to our branch manager at XXXX XXXX, MI via email to find out what happened, hoping to get some help and doing so again. How can transactions occur from the account without our authorization and how can an account be closed so quickly without our knowledge?
At the moment, we have been informed by fifth third bank that company named XXXX XXXX XXXX had pulled money from my account using ACH. These transactions were not authorised by us nor did we have any information about these transactions until yesterday when we got to know about these transactions.
YEAR XXXX : - XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX over draft fees YEAR XXXX : - XX/XX/XXXX. XXXX over draft fees XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX overdraft fees XX/XX/XXXX. XXXX overdraft fee XX/XX/XXXX. XXXX overdraft fee We really need someone to look into this matter and help us out. Truly believing that humanity still prevails and hoping we can get some answers as well our funds.
Account owners : XXXX XXXX & XXXX XXXX
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| 01/15/2019 |
Yes |
- Checking or savings account
- Savings account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
Servicemember |
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To whom it may concern, refer to complaint number XXXX same complaint.
my husband mr. XXXX XXXX XXXX sr and mrs XXXX XXXX XXXX have joint bank accounts.
essential checking. and goalsetter savings established in XXXX XXXX XXXX.
I want to also duly note that my husband and I don't do online banking business..however we did utilize it in XXXX a few times and beginning of XXXX. after that we stopped. shut it down. fifth third admitted over phone brown over phone.
XXXX XXXX fifth third XXXX XXXX. ( refer to complaint number above ). we never created any other bank accounts like commercial that was stated on paperwork ... ( with this alleged payee ( XXXX ). we don't have payee. ss administration knows this and we don't have power of attourney. we assume current property manager XXXX and XXXX XXXX ( former property manager-XXXX XXXX ) XXXX XXXX XXXX ( jobs 4 life ). working together in identity theft ..bank embezzlement scandal. along with XXXX XXXX and XXXX XXXX of XXXX. there was also another bank account created XXXX XXXX XXXX created. my husband and I did not create XXXX XXXX XXXX account. we had fifth third shut that down. we mentioned this to mr. XXXX at fifth third on XXXX ( he was from XXXX, ohio ). it is now closed. he stated to me and my husband that we were not getting our money back after we showed him increase information from last XXXX in XXXX XXXX. and we didn't have payee. he was also aware of bogus XXXX XXXX XXXX account we never created. we believe mr XXXX last name stated with XXXX was part of embezzlement scandal. we have documentation to prove I am my own payee. maiden and married. ss administration stated on camera last female that we get our own monies.this was XXXX XXXX XX/XX/XXXX mentioned to us by phone by two ss admistration reps the increase in ss income.. those particular fifth third employees played role in embezzlement of our ss monies. duly note fifth third mentioned power of attourney. we never had power of attourney. so strongly assume XXXX XXXX another associate of fifth third mr XXXX were stating they were our power of attourney and payee. and miss XXXX said power of attourney. we never signed power of attourney or payee paperwork XXXX XXXX or XXXX XXXX of XXXX organization. as stated before in report up above .refer to that. miss XXXX XXXX made multiple copies of birth certificates, ss numbers, marriage licenses etc.. They illegally attached people to us via, XXXX, including XXXX XXXX ( who were illegally attached and they pretending to be us. they illegally had our ss numbers. identity theft on XXXX illegally attached via featherfist XXXX XXXX and XXXX XXXX and XXXX XXXX.
.
|
| 03/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I am a long-time checking/savings account holder with Fifth Third. On XX/XX/XXXX, my wife and I applied for a conventional mortgage loan to purchase a new house through Fifth Third. My original Mortgage Loan Officer was XXXX XXXX ( NMLS # XXXX ). XXXX provided a pre-qualification letter and assigned the loan to a Mortgage Processor, XXXX XXXX ( NMLS # XXXX ).
XXXX, who was rude and unprofessional throughout the process, asked me to provide numerous documents, which I did without question and without delay. One of the documents XXXX asked me to provide was a copy of my home inspection. XXXX failed to inform me that I was not required to provide a copy of the inspection, failed to inform me that, if I did provide a copy of the inspection, that I would be required to rectify certain items on the inspection report, and failed to inform me that I would be required to pay for such rectification. In fact, XXXX failed to inform me of anything - she simply asked me for a copy of the report, which I provided.
On XX/XX/XXXX, XXXX informed me that I would have to make certain repairs to the home ( which I do not yet own ), that I would have to hire a contractor to complete these repairs, and that these repairs would need to be completed prior to the closing date of XX/XX/XXXX ( a mere 20 days later ) in order for Fifth Third to approve the loan.
The following day, I called both XXXX and XXXX to complain about what had transpired. XXXX admitted to me that XXXX should not have asked me for a copy of my inspection and that XXXX should have advised me of what would happen if I did provide a copy. XXXX then offered a potential resolution - there would be an escrow hold-over of an amount to be determined ; once I completed the repairs myself, I could provide proof of the same and the hold-over funds would be released. I agreed to this compromise.
On XX/XX/XXXX, XXXX called me to inform me that the compromise we discussed on XX/XX/XXXX was not possible and that I would have to complete the repairs prior to closing. Considering that I do not own the home in question and that I have already negotiated the contract with the seller, this is simply not possible.
I am now forced to find another lender at the last minute in order to avoid losing the home my wife and I wish to purchase.
Fifth Third in general and XXXX and XXXX, in particular, have gone out of their way to attempt to ruin my purchase of a new home. Fifth Third should be ashamed of how it has treated a long-time customer. XXXX and XXXX should be stripped of their licenses to ensure that they do not have the opportunity to ruin another couple 's future.
|
| 10/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
XXXX Narrative on XX/XX/2019 On or about XX/XX/2019, I opened an account with 5/3 Bank and declined to opt into overdraft protection per the Opt Rule. My checking account balance at the end of the business on XX/XX/2019 was {$740.00}. There were no transactions made on my account by me or anyone else from that time until approximately noon on XX/XX/2019 when I attempted to make a debit card purchase and my transaction was declined. I found that to be highly irregular and logged into my mobile banking application with 5/3 Bank and noticed that my checking balance is - {$1900.00}. It showed a list of strange " pending transactions '' that took my account from where legally and ethically it was at in the amount of {$740.00} to a high negative balance.
The Opt Rule, 12 CFR Part 1005 ( Regulation E ) at1005.17 ( b ) ( 2 ), provides official interpretation of conditioning payment of other overdrafts on consumer 's consent. This section requires banks to condition and decline the payment of any overdraft checks, ACH transactions, and other types of transactions on the consumer because the consumer has not affirmatively consented to the institution 's overdraft service for ATM and one-time debit card transactions. On XX/XX/2019, 5/3 Bank willfully and deliberately violated this section of the law and changed my account from {$740.00} to XXXX. This violation came stemmed from an act of negligence on their part to maintain effective and efficient electronic banking systems and became libelous with intentional tortuous liability as a result of them willfully and deliberately using creative and artful means to cause me injury, knowingly violate 12 CFR Part 1005 and erode more trust from not only the banking industry as a whole but specifically 5/3 Bank.
12 CFR Part 1005 does not provide justification for violating the law by banks for any reason whatsoever and banks are actually the more egregious offender like that of contracts of adhesion but the intentional injury inflicted on my was likely from something that should have been commended for. Apparently, I randomly discovered via penetration testing a flaw within two banking systems that through my efforts and the methods that I used in particular, 5/3 Bank and I were actually able to stop and remedy this glitch that 5/3 Bank has an actually has an official and legal duty and obligation to correct, not me. 5/3 Bank apparently was either extremely cheap in acquiring their business assets like their software & information systems and/or seriously lacking in the acquisition and retention of skilled, competent, knowledgeable, ethical and professional personnel.
|
| 10/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
XX/XX/XXXX Fifth Third Bank Loss Draft Dept received an insurance claim check for {$42000.00}. I submitted the required documents multiple times and they deleted them and changed them from completed and accepted to need additional documentation a few times. I have emailed, called and spoken with them in person, multiple times. I received a message saying the funds were available in an escrow account on XX/XX/XXXX. The partial check # XXXX in the amount of {$31000.00} was issued on XX/XX/XXXX per the My Claim Funds portal. I called the LD Department and they said no, the check has to be mailed. I received a message on XX/XX/XXXX saying it was processed. On XX/XX/XXXX I again called to ask why I had not received the check. I was told it was mailed on XX/XX/XXXX and it was not their problem, that I had to take it up with the post office. The post office has no info because the tracking says the label was created ( I purchased this mailer ) but not given to the USPS. My contractor has now stopped work until a payment is made. He has been working, in good faith, since the middle of XXXX because the insurance company approved and issued the check on XXXX. My house is torn up and in the middle of the repair phase still.
I have spoken to the local Branch and they have also attempted to get help for me from this Loss Draft Department and have also become frustrated. I requested to have this escalated through the local branch on XX/XX/XXXX and am waiting to speak with someone from that department. It is my understanding that Loss Draft is part of 5/3 bank, however, it appears to have no governance by the company 5/3. I am being disconnected after sitting on hold for long periods of time to speak with someone at LD, and when I do speak with them often times they sound half asleep with noise in the background that sounds as if they are at home. I need help to get my home repaired ASAP. I have to go this entire process again for any future checks that are received. I have had to beg, literally, and still I am living in a mess solely because of Fifth Third 's Loss Draft. My claim is " monitored '' because they feel the average homeowner is not responsible enough to handle an insurance check and yet they have now lost a {$32000.00} check. They refuse to do anything other than cancel the original check, resubmit, and mail it. If I want it faster than regular mail, I have to send ANOTHER prepaid envelope to them. I am looking at weeks again. This is not acceptable and is quite frankly, cruel, abusive and irresponsible as well as unprofessional. In addition to the documents below, I also have recorded phone calls.
|
| 05/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
XX/XX/XXXX, I was called by a fifth third bank agent letting me know I was overdue on my truck payment. I was busy at work and instructed them I would go online and submit payment asap. A couple days later I believe XX/XX/XXXX, I went to submit payment online, but they locked me out of my account. I called a fifth third representative and they informed me they could set up automated payments so I agreed and he instructed me that it was all setup and that I no longer had to worry about logging into my account online to submit payments.
XX/XX/XXXX, my car got repossessed. I called the bank and they informed me that payments were not being made on the account. I questioned how that was possible and they informed me auto bill pay was never set up completely. I told her that I spoke with someone in XX/XX/XXXX to setup auto pay and she looked into their call logs and said it never happened. There was a record of me calling but nowhere in the notes did it talk about auto pay. Baffled that they had been receiving payments for months, but all of a sudden they stopped working, I then questioned why I never received a call, like the last time I missed a payment. She told me that they had called a phone number which was not mine, and never was my phone number. The person they called told them I no longer had that phone number, which I never did in the first place. I don't understand how they got that number to begin with when all of my information was submitted through the car dealership, but I guess they simply had more trust in a straangers word over the phone than to actually try to contact me. She also informed me letters were sent to my mailing address, which I never received.
There has been a giant miscommunication and everytime I speak to them they read off a script and are unwilling to listen to me, saying that it was a lawful repossession that they have all the record they need, even though they weren't processing the fact that they misentered my contact information into their system. Having made no progress trying to speak to the bank over the phone, I reluctantly paid the repossession fee, in addition to the money owed on my account, just to simply get my vehicle back. The bank is unwilling to listen or communicate with me in a manner that accomplishes something for both of us.
Fifth third bank told me auto payments were setup, which apparently was not done properly. They told me they went through the process of mailing me letters and trying to call, which they did not do. They had my information entered into their system and as a result of all of their errors they deemed my car repossesible.
|
| 02/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
Sequence of events : 1. ) In XXXX - XXXX of XXXX, while negotiating with Fifth Third Bank our lending institution, to expand our line of credit, which was coming due in XXXX - XXXX, XXXX, they changed our loan officer from a woman, to a man XXXX, who I believe, is XXXX, ( this will become apparent as we go on ) & has caused the destruction of my business. ( He 's since been moved up the ladder. ) Following that meeting we were moved to loan workout for no apparent reason, we never missed a payment were late & broke no covenants, however soon after we were informed of a ratio covenant deficiency we believe was caused by them. In XXXX of XXXX, when credit facility ended, instead of offering extension, we were forced to sign a forbearance which said we admitted default, though there was none, but we had no choice, or declare bankruptcy, nor could we find an attorney willing to defend us.
Several other incidents took place forced by them including, bouncing checks, causing loss of our best supplier, further eroding our supplier base. We were then forced out of the bank to to an Asset Based Lender, who could not do real estate, our mortgage loans remained with Fifth Third, with the proviso that as soon as possible we 'd get them refinanced elsewhere, which became impossible due to our losses & the hard line forced by Fifth Third.
In early XXXX, they began to further harass, & seek to foreclose, even though no payments were missed or late, again with the default complaint as the basis. We then hired an attorney who filed a motion in court to block their attempt, which held up until, XXXX of XXXX, & we were forced to file Chapter XXXX for the entities owning the properties, to protect from foreclosure which is where we stand today, with little less than 10 days to go, they have been relentless, ruthless & I believe XXXX in their pursuit, why else?
Summation : We have not caused the bank to lose any money, they were paid out.
For a covenant violation, they 're entitled to ; basically confiscate our properties & end all chances of our staying alive??
Continue to cause additional losses to XXXX & XXXX by litigation expenses, theirs & ours?? ( upwards of ( {$100000.00} ) As of XX/XX/XXXX They can always foreclose if we stop paying, they are the first lien holders!!
Why they want our properties, which are appraised for far more than the balances.
XXXX of the properties, is backed by the XXXX which generally does NOT allow foreclosure if paid regularly & on time.
SO WHY? There has to be some sinister reason for this action, there is no downside for them, why not allow us to maintain status quo?????
|
| 03/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My XXXX insurance is paying my truck payment and every three to four months I have to get paperwork signed by my doctors. I had an appointment with the doctor in XX/XX/XXXX and my next appointment could not be scheduled until XX/XX/XXXX. I contact my insurance company to tell them my next appointment but I had to get documentation signed by my doctor after XX/XX/XXXX. Fifth 3rd bank contacted me in XX/XX/XXXX and I explained that my next appointment wasn't until XX/XX/XXXX. They said okay we will notate this in our notes but I will be contacted in two weeks again. I was contacted again and I explained the same information to collections. On the XXXX of XX/XX/XXXX, I saw my doctor and discussed XXXX XXXX XXXX XXXX in the near future and got my documentation signed and submitted to my insurance company and the insurance company submitted payment to Fifth 3rd bank on the XXXX of XXXX as my payment is due on the XXXX of each month. I contacted the Fifth 3rd bank after discovering that I had missed payments on my credit report. I explained that the payment had been sent to the collection department and they stated that they did not make that report, but customer service filed the report. I asked them did they file my corresponding in my file. They explain yes but customer service and collections do not contact each other or correspond with each other on accounts. I ask what can I do to get the report removed and was told to contact customer service and they can remove the false reporting and that was on XX/XX/XXXX. They then transferred me over to customer service and I explained the situation and the agent explain that she could remove the missed payment but it had not posted yet so wait until it does and call back. On the XXXX I called back and was told that I was in delinquent payment and it will not be removed from my account. I explained that the payment was sent on the XXXX of XX/XX/XXXX and there has been a delay in the mail. I asked to speak to a manager named XXXX ID # XXXX and explain my situation again and the manager stated that a phone tract will be conducted to prove my statements and he will contact me on Thursday the XXXX of XX/XX/XXXX. On Thursday I received a call from a young lady calling for XXXX that he said that my account will remain delinquent even though my account was paid up because they had received payment. I explain and said that was not fair for me to have an account in delinquent and the account is paid up. I told them I would report this matter and now I'm submitting this report. My insurance has been paying for this account since XXXX with no problems until now.
|
| 12/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/2019 I was seen a charge appear on my credit card notification from a merchant I use often, XXXX. The charge was for {$440.00} and I immediately contacted XXXX customer service to let them know that I was not authorizing the purchase and that someone had my account information. The representative told me that I needed to contact my credit card company and I then called Fifth Third Bank ( 5/3 ), the credit card department, to inform them of the incident. 5/3 told me that I needed to file a dispute and but I had to wait for the charge to go from pending to posted on my account.
Once the charge posted I contacted 5/3 again to open the dispute, they cancelled my credit card and sent me a new one. On XX/XX/2019 I noticed 5/3 added the charge to my new credit card and I immediately called the credit card company again to see why the charge was added on my account. The representative that took my call told me that I was seeing the charge on my account because they spoke to the merchant and the merchant agreed to refund the charge my card. I was told they didnt want me to receive two reimbursements so they had to add the {$440.00} back to my new card. The representative told me that that I would be seeing the XXXX credit appear in a few days which will balance out the charge being added back.
As time went by I called 5/3 multiple time letting each representative know that I had not yet received the credit from the merchant and that the balance carried on the card was affecting my credit/debt ratio which ultimately affects my credit score. The representative then told me that I was not receiving a credit because the dispute was closed as final. She told me that in order to get my credit I needed to reopen the dispute and send an email to XXXX letting the department know why the charge was not valid. I sent this email back on XX/XX/2019 and put my case number XXXX in the subject line. After sending this email I had to contact the company several times to inquire about the case and was told repeatedly that they never received the email. I then threatened to contact CFPB regarding how they were handling the case and I was connect to a supervisor who said the document was received and that they needed time to complete the investigation.
Today is XX/XX/2019 and the charge of {$440.00} is still showing on my account. As a consumer I am not sure what there is left to do. I explained to the bank and the merchant that I was using the XXXX services often and I believe someone had intercepted my information. The merchant nor the bank is willing to fix this issue. I do not know what else to do.
|
| 11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/XXXX Iowa XXXX, Iowa XXXX Re : Formal Complaint against XXXX for Violation of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally report a grievance against XXXX, a credit bureau , for their alleged violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I sent a certified letter to XXXX, addressed to the XXXX XXXX, on XX/XX/XXXX, seeking the validation of a debt related to a closed account with an open balance that is inaccurately reported as past due. The subject account pertains to my relationship with FIFTH THIRD BANK NA and has a reported opening date of XX/XX/XXXX, and an outstanding balance of {$430.00}.
The FCRA, under Section 609 ( a ) ( 1 ), grants consumers the right to request verification of debts reported on their credit reports that they believe to be inaccurate or incomplete. My certified letter to XXXX requested such verification of the debt associated with the mentioned account. Specifically, I sought information that would enable me to ascertain the validity and accuracy of the reported debt.
XXXXXXXX XXXX response to my request, however, has been unsatisfactory. The credit bureau failed to provide the essential information required to validate the debt, as stipulated by the FCRA. Instead, XXXX continues to report the account as past due, which is having a detrimental impact on my creditworthiness. This reporting is in contravention of the FCRA 's provisions, specifically Sections 1681e ( b ) and 1681i, which mandate the accurate reporting of consumer credit information and the requirement to investigate disputed information.
I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly, as XXXXXXXX XXXX actions appear to be in violation of the FCRA. It is my belief that XXXXXXXX XXXX failure to comply with the FCRA has caused substantial harm to my credit standing, potentially affecting my ability to access credit, employment opportunities, and other financial activities.
In accordance with the FCRA, I would appreciate the CFPB 's assistance in addressing this issue and ensuring that XXXX adheres to its obligations under the law. I have attached copies of the certified letter sent to XXXX, as well as any correspondence received from them in response to my request.
Thank you for your prompt attention to this matter. I look forward to the CFPB 's involvement and assistance in resolving this dispute in accordance with the Fair Credit Reporting Act.
Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Copy of Validation Letter
|
| 03/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
back in late XXXX early XXXX i made some online purchases with a company called XXXX and as i received the packages and opened them several were not what i expected including a few having defects so just as it says on the back of the receipt i repackaged them sent them back with the corresponding reasons and why i had shipped back 1 package with 4 watches in it on XXXX XXXX then i also had refused delivery on 3 other packages as well and just gave those back to the USPS although i didnt have any of those 3 receipts i did take pictures of the packages to prove i did not except delivery now after i had returned those 3 packages i had received several more packages unfortunately i wasnt home to refuse delivery on those packages in total i kept 6 watches and returned the rest i returned a total of 13 watches having only gotten a partial payment on 4 of the 13 i have all my receipts including the USPS receipts stating that they had received the packages now i had been dealing with these folks off and on for 5 maybe 6 months and frustrated i contacted my bank to see what my options were as far as retreiving my money on XX/XX/XXXX the gentleman said give us a week and your money will be returnedthen couple days later i got a call from the XXXX corporate office accusing me of doing fraudaulent business when i have had these account just over 2 years and the only money i had coming in was my SSI in the amount of {$880.00} not sure what kind of fraudaulent business i could with that little of money but i guess anything is possible if XXXX wants me to go elsewhere thats fine but i should get at least 1 of 2 options 1 is all my money back from XXXX or all the merchandise and theres even a 3rd option give me back both cause quite honestly if XXXX had beeen paying attention who orders 17 watches and on top of all this due to the fact that someof the dates dont add up as to when they got paid versus paying someone back my account went negative over {$1600.00} which meant for 2 months i had no SSI no foodstamps NOT A XXXX THING and i still have XXXX kids XXXX of which have made me a grandpa also im well aware XXXX is accusing me of owing them over 400 some odd dollars which isnt true i owe them 1 payment in the amount of XXXX for a grand diver i made payment arrangements on and if they had not tried to cheat me out of over {$9000.00} XXXX wouldnt have canceled my card in XXXX of XXXX card ending XXXX once they pay me for everything i have coming i have no problem paying my debt with them should anybody have any questions they contact me via cell XXXX i have all receipts and USPS receipts as well
|
| 09/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My cc was compromised on XX/XX/XXXX while traveling from Florida to Georgia. I was notified by 5th 3rd Bank by e-mail and text saying that my card had suspicious activity and I immediately called the fraud department to inform them the charges were not mine. I had two charges one being {$120.00} & the other for {$100.00} on XX/XX/XXXX. I was issued a case # thru the fraud department at 5th 3rd Bank and called several times thru the process of completing the removal of fraud charges, to include late fees and interest on my cc. I was issued a new card via expedited services from the bank and got charged {$30.00}. I have never used either of the cards from that point of the fraudulent charges. A case was opened on XX/XX/XXXX for the 2 disputed charges. I called again to just check the status as the FRAUDULENT charges were still showing on my old card. I paid my last payment in full in XXXX minus the two charges in the amount of {$220.00} and fees charged for the card with the outstanding balance still attached. I was reassured by the fraud department that I WOULD NOT BE RESPONSIBLE for all the extra late fees monthly as well as the interest charged. The policy at 5th 3rd is a 90 day window to complete the case which was finally rectified in my favor on XX/XX/XXXX and to date the charges are sitting on my replacement card with late fee and interest charges. I called the fraud department and spoke to a supervisor, XXXX who said she would have to check into this again. She left me a voicemail on XX/XX/XXXX telling me I still had an outstanding balance left on my last statement that had the fraud charges which I did not include in the full payment and are showing outstanding on my replacement card. I also went thru my XXXX statement online and have ZERO CREDITS FOR THE FRAUD CHARGES. I had told 5th 3rd Bank all along that I would not include the full payment as I was not paying the fraud charges. Nowhere on my day to day statement do I show a credit for the charges of {$100.00} & {$120.00} to include a {$40.00} late fee, and interest fee. I have not charged one thing on either card since the fraud happened on XX/XX/XXXX. This could be any easy fix as the amount of FRAUD IS the only thing left on my replacement CC. I have tried to tell them this and they seem to be trying to pull a fast one as if they can not see the fraud disputed amount is on my new cc issued and show it was not paid in full on my last statement. I am now referring my complaint to you all for help in resolving the issue as the amount of time spent on the phone holding is not working due to my work schedule.
Thank you.
|
| 11/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Fifth Third has been horrible from the beginning, but I have paid on time and until I lost my job in XXXX paid over the amount. I made them aware when I lost my job XXXX and we spoke of payment ( deferral for 3 months ) arrangement then, but I said I would do what I can for as long as I can and I did.
I still managed to make my payment in XXXX and XXXX, but came to the end of what I can do come XXXX. I started attempting to reach out to them XXXX, before my due date of XXXX, but was not able to get through for over a week.
So when I did finally get a hold of them ( first time speaking of the issues was XXXX ( I believe, but can not be sure ) they wanted more money to honor the agreement we made in XXXX. They supposedly base the amount they need to do deferrals based on how much I paid for my last three payments... however that was not true they base it on the last ninety days and since I paid on or before my due date previously they only considered two payments. Fine, stupid and illegal?, but I followed as directed Issue are : 1. Statements change - amount due changes 2. They are impossible to get a hold of - phone numbers do not work ( takes me usually 5 or so tries to not get hung up on... they hang up as soon as I enter my information, so to get through I do not enter it ) & online I can not log into for over a month with no resolution.
3. Their reps are not very fluent in English... so there is language barriers that cause issue in my account. They also get rude when I ask for someone in the states, since their call center is not and I need someone that speaks/understand English to communicate effectively.
4. They do not honor a payment agreement- for example I made an arrangement to pay {$280.00} to get a deferral for 3 months ( XXXX, XXXX and XX/XX/2022 ) so long as I paid it by XXXX, I paid it XXXX and they still do not have the deferment in place as promised.
5. They have no clue about consumer service. - So today I have now been on hold, only speaking with someone for 5 minutes, with them for over 2 hrs trying to resolve. Think they think I will just hang up. They have played this game before... I have been on hold for over 2 hrs and have hung up in the past because my life does not resolve around them and I can not keep my phone tied up. Think they do this because they are shady and trying to set me up as if I am not honoring my part of the agreement.
I have read reviews on this group, so I know they have done this to lots of consumers. I will be moving this loan away from them ASAP once I am back to work, but in the meantime I am stuck with them : ( Please help.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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I contacted Fifth Third Bank several times at the end of XXXX and beginning-mid XXXX to notify them that I had changed jobs and my payday cycle was being changed. I told them that I would not be able to make my XX/XX/XXXX mortgage payment until the end of the month. Additionally I received a letter from the mortgage company that an additional {$140.00} was needed because the escrow was short. I contacted the company several times, and was told " no problem, as long as the payment is made before the end of the month it will not be reported to the credit agencies as being delinquent. '' I logged on to Fifth Third Bank 's website on XX/XX/XXXX at approximately XXXX XXXX to make my regular monthly mortgage payment as well as the additional money needed for escrow. The mortgage company did not process my payments until midway through the first week of XXXX. Additionally they sent me a follow up letter stating that they did not know what to do with the additional money I had sent them. Fifth Third Bank reported me as delinquent to all 3 credit agencies, even though I made the payment before the end of the XXXX month. I had to make several phone calls to the company about what to do with the additional money I sent them. They could not find any record of a letter asking for this additional money amount. Then at the end of XXXX I received another letter from Fifth Third Bank stating that they miscalculated my escrow and wanted me to send them over {$2000.00} in the next 15 days to fix the negative escrow balance, or they were raising my monthly mortgage payment by over {$100.00} for 31 months to make up the balance!
This company does not return phone calls. When I asked them to listed to my recorded conversations I was told they could not locate my calls. This was not a mortgage company of my chosing. My original mortgage company has been bought out and traded several times since originally getting my mortgage in XXXX. I have paid my mortgage every month, with the exception of when I was hospitalized for several months due to XXXX on my XXXX back in XXXX, and at the time Fifth Third Bank was not the mortgage company. I have always paid Fifth Third Bank on time, with the exception of this one incident in which I called to notify them of a change in my paychecks.
I am a XXXX who has been a frontline worker all during COVID. Despite living through and working a pandemic I always pay my bills on time. I am outraged that Fifth Third Bank did this to me. As a result my credit has dropped from a XXXX to a XXXX. Fifth Third Bank is refusing to correct this, and I am hoping you can help me.
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| 01/05/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I have a boyfriend overseas, who I met online. Hes told me he trying to come back to Ohio and he needs to get things done before he arrives back. He told me that he would deposit money into my account from a company that he has people working for him in and wanted me to help him send this money to certain places and people to help him get a place to stay, car, furniture etc for when he arrives back. The deposit came through on XX/XX/XXXX from a company named XXXX XXXX. He asked me to go to the bank on XX/XX/XXXX, XXXX, XXXX to withdraw large amounts of money and send it to certain people. I didnt think anything of it because he sold me on a dream that he was preparing to come home to me and my children, hes spoken about marriage and has even sent me gifts to my home for XXXX XXXX and my past birthday in XXXX and he said he was trying to get things together for us before he arrives. He then asks me to go to the bank again on XX/XX/XXXX. The day of XX/XX/XXXX I attempt to go to the bank and withdraw the amount he asked me to withdraw and it was not approved and thats when I was told they are now looking into the account for fraud. I had no idea all this was going on. I truly believed what the guy I called my boyfriend was saying to me, seeing as I have been talking to him since the beginning of 2020 in XXXX. He was telling me because of covid pandemic he can not leave right now and he has to send his funds over now to get things ready for us before his return and I was just oblivious enough to believe it. On XX/XX/XXXX after I called the fraud department to see what was going on and they told me it was being investigated, I became scared and upset because I did not know what was going on and I immediately called the attorney generals office and told them I suspected I had unknowingly been involved in a scam and fraud. The lady I spoke with took my information and advised me to file a police report and get copies of it and file a complaint with consumer finance bureau because she suspects I was apart of a Relationship Scam. I then called the police and had them come out to my home so that I can provide a police report of what was going on. I honestly had no idea that this was going on and I was unknowingly involved in something I would never in my life do! Im a full time XXXX with 3 jobs and XXXX kids. I would never put my children in jeopardy like that! Ive called today to request a copy of the police report to add it to this but they said since it was given last night ( XX/XX/XXXX ) it will not be finished until XX/XX/XXXX and thats when I will be able to forward it to everyone.
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| 09/10/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On XX/XX/20 I attempted to transfer {$100.00} to my daughter. On the Pay an Individual screen a {$0.00} fee was disclosed along with a disclosure that funds would not be available for her until Friday XX/XX/20.
When I searched for another option I saw that I could transfer funds from my Fifth Third checking account to my checking account at XXXX. As I DID NOT SEE any fees or delays disclosed I made a {$100.00} transfer from my Fifth Third checking account to my checking account at XXXX.
Now, on Thursday XX/XX/20 I see that {$100.00} was taken out of my Fifth Third account yet NOTHING WAS TRANSFERRED TO MY XXXX ACCOUNT.
It took over a half-hour on the phone with Fifth Third to speak with three of their representatives who have been trained to deal with Fifth Third 's deceptions and have no resolution.
All three noted that there is a fine print disclosure hidden on the XXXX transfer screen and that they could not reverse the hidden {$3.00} fee or track down the missing {$100.00}. They all stated that while funds are " supposed to be credited within three days '' that " it could take longer. '' All three reps sounded scripted as though Fifth Third does this to its customers all day, every day.
While I expected an immediate transfer, my funds did not even transfer " within three days. '' The transfer was made Tuesday and no funds were delivered on Tuesday, Wednesday or Thursday. Also, while I expected no fee, all three Fifth Third reps refused to refund the {$3.00} fee. This was the case event though it was disclosed to all three reps that had I known that the funds would be delayed for three days or longer and there would be a {$3.00} fee while experiencing this delay, I NEVER would have authorized the transfer.
When the transfer did not go through on Tuesday I asked Fifth Third to stop it and the bank 's reps claimed that it could not be stopped.
Now, I'm our {$100.00} at Fifth Third and the {$100.00} that was expected at XXXX has not arrived even though it has been " three days. '' When today 's Fifth Third reps walked me through the website they showed me fine print which included font that is MUCH SMALLER than the rest of the font on the page and in a faint gray as opposed to the BOLD BLACK that other type is in on that very same page.
This may be seen in the attachment. Fifth Third should end this deception and list the unexpected delays and fees in large print and in bold. At the very least, the font should be consistent with the rest of the font on the same page. It is wrong to intentionally deceive customers with all but the best eyesight on a daily basis.
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| 12/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX, my real estate professionals were contacted by XXXX XXXX of Fifth Third bank and advised that the investor, Freddie Mac, is unwilling to consider a short sale offer at fair market value for my property. The buyer 's offer is currently above the appraised value of $ XXXX, at $ XXXX. On XX/XX/XXXX, XXXX advised the minimum net proceeds the investor would accept to receive is $ XXXX and all she would need is a revised hud1 showing the proceeds would be coming to them. The buyer and my agents made multiple adjustments to meet the investors unreasonable sale expectations and submit a revised settlement statement back to XXXX XXXX with Fifth Third and Freddie Mac netting higher than the appraised value at a full $ XXXX net proceeds the same day, XX/XX/XXXX. We did not hear back from XXXX XXXX for several days, and then on XX/XX/XXXX she advised that she did in fact need more documents other than the revised hud1 she had asked for previously. All remaining documents were provided to XXXX XXXX via email on XX/XX/XXXX. Finally, 10 days after requesting incomplete documents, on XX/XX/XXXX, XXXX XXXX confirmed receipt of all documents again and advised she should have approval for us soon.
When my real estate professional, XXXX XXXX, called into Fifth Third bank for an update on XX/XX/XXXX she spoke to XXXX, ID : XXXX. XXXX gave inaccurate information and advised that we still needed to send in the HUD1 with the minimum net proceeds to Fifth Third/Freddie Mac of $ XXXX, which was already provided and confirmed received by XXXX XXXX on both XX/XX/XXXX and XX/XX/XXXX.
My real estate team emailed XXXX XXXX to clear up the discrepancy on XX/XX/XXXX, but her email address of XXXX now returns undeliverable.
My real estate professionals manager, XXXX XXXX, called in to discuss the discrepancies with Fifth Third and spoke to XXXX again. When XXXX was told that the reason for the call was to address the previous incorrect information she gave XXXX, XXXX became extremely defensive and combative. XXXX was rude and unprofessional. She repeatedly, even after being corrected and supposedly apologized, continued to condescendingly call XXXX by the wrong name ( referring to her as XXXX ). XXXX claimed there was no authorization on file for XXXX, but I have signed both XXXX XXXX 's authorization form and had the Fifth Third form notarized with her name on each. XXXX refused to allow my authorized real estate professionals to speak with a manager or anyone else who could address both her incorrect and misinformed account handling and extremely rude handling of my mortgage account.
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| 03/09/2021 |
Yes |
- Credit card or prepaid card
- Payroll card
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- Trouble using the card
- Trouble getting information about the card
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Web |
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XXXX XXXX card, issued 5th 3rd bank N.A., as an XXXX payroll card for XXXX XXXX XXXXXXXX XXXX, and various other dba 's. XXXX, my XXXX, is associated with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. The previous XXXX payroll card, for XXXXXXXX XXXX XXXX- was the XXXX XXXX XXXX, the XXXX card issued by XXXX XXXX XXXX XXXX Both are the payroll card for XXXX XXXX XXXX. On XXXX, a merchant placed a a hold on my account for $ XXXX I called the card service number when I saw the email come in- they cancelled the XXXX XXXX and mailed me the XXXX XXXX - they have continued to hold my funds, from a transaction, with there so called merchant - whom I had XXXX XXXX way call XXXX XXXX card services today. I have tracking and claim info- I do not have a XXXX account, in addition they would not hold funds longer then 30 days - this has been over 90 days. XXXX " wants to hold my funds and conduct an investigation '' I have heard the most out landish things when I call XXXX- in addition, the one thing that is predictable they / XXXX- is always changing there story. They are also bully like. In addition they are also related to global cash whatever that is- so XXXX XXXX XXXX XXXX XXXX XXXX, fifth third bank NA-? Today XXXX and I were told- that, they would mail me a letter, aftter XXXX XXXX the email alert for a transaction that a merchant was able to place holds on my funds - was on XX/XX/XXXX XXXX I called shortly after the email ; came in. This XXXX XXXX XXXX seems to be like a platform/ stack, for banking and card services - I offered in past to call merchant with XXXX, this has been on going since XXXX- they have refused. So I called XXXX and we 3 way called them - XXXX refuses to acknowledge - that I have been told, several different things, dates my funds would be replaced, and were not, even rather threatening saying they would hold my funds for the longest amount of time, 90 days, now 90 days - they want to blame the so called merchant, and, my funds have not been returned. I was also told on XX/XX/XXXX, they would block the merchant and hence the new card and account. Yet the famous dispute dept. - and you never know if its XXXXXXXX or XXXX who is gon na answer the call - now they are blaming the so called merchant- and will send me a letter? I want my funds - I am also going through the card statements - and the description of the merchants they have altered - in addition had the nerve to bill me for a subscription service that bills to a different card - obviously XXXX XXXX has a counterpart and someone is able to get access to a different account I have - from the treasury-
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| 12/23/2015 |
Yes |
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Web |
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For my XXXX payment on my credit card from Fifth Third Bank, I made an online payment via direct transfer from my bank account on XXXX. No record of this payment was generated, either on their online service, XXXX, or via E-mail. On XXXX I was charged interest on the balance of my account. In response I made a second payment, and no record was generated. However XXXX payments were then processed, overdrawing my bank account.
I contacted customer support on XXXX once the error was realized. My request was for the initial payment, in the amount of {$1000.00} to be refunded to me. I was told that the only option for refund was via check, which would take 2-4 business weeks to arrive by mail. I agreed to this. After three weeks, I contacted customer service again to ask for the status of my refund, and was told that the check had been mailed, but due to the holidays may take longer than normal to arrive. I was advised to call back if I had not received the check by the next Monday.
The check did not arrive, and when I called back I was informed that it in fact had not been sent. I requested at that time that rather than mail a check, that the funds simply be re-applied to the balance of my credit card. The representative with whom I was speaking said that she would forward my request to the escalation team managing my account and have her supervisor call me when available. I did not receive a call.
Two weeks later, the funds had not been returned to my account, and I called again. The representative with whom I spoke on that day indicated that there was no record that I had asked for the refund to be re-applied to my account rather than mailed, and the escalation team was still working on mailing the check. I again requested electronic application of the funds to my credit card. I was told that the escalation team would call me back, and they did not.
On follow up later the same week, XXXX, the representative with whom I spoke informed me that monetary funds could not be deposited in my account until the XXXX billing cycle, and that the escalation team would call me the same day, but were unavailable at that time. I did not receive a call.
I have tried again to contact the escalation team or a supervisor today, but was informed that they are too busy to speak with me.
At this time, I consider Fifth Third Bank to have stolen {$1000.00} from me. I have been lied to repeated regarding potential options for resolution of the theft, and regarding follow up attempts on the part of representatives from their company. I have no faith that I will see this money again.
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| 09/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Fifth Third Bank holds our mortgage. We refinanced several years ago and have paid our mortgage monthly, in a timely fashion. It is important to note that although we are given a grace period until the XXXX of every month to become current on our mortgage, this company would immediately start with robo calls on the XXXX or XXXX of every month. It was n't worth it to me, so I started paying my mortgage roughly on the first of every month. On XXXX XXXX, 2015 there was a change with my escrow account. I was not notified of this change in any form, so I made my regular payment in good faith. XXXX came and went without a single courtesy call, or letter to inform me that the amount I had submitted was n't enough to satisfy the account. I made my XXXX XXXX payment, still unaware of the escrow shortage. On XXXX XXXX I received a letter stating that I had not paid enough to make the account current. I immediately called the number provided and was told of the escrow discrepancy. I paid the amount due XXXX {$100.00} XXXX and was assured that the account was not in danger. I then received a letter dated XXXX XXXX, 2015 stating that my " mortgage payment is now past due and the loan is in default ''. Fifth Third Bank had already gone ahead and reported this late payment to the credit bureau on XXXX XXXX as a 30 day late!!! My credit score has now dropped from XXXX to XXXX!!!!!!! To make matters worse, I received yet another phone call from another branch of Fifth Third Bank stating that I had also missed my XXXX XXXX payment. Not only had I paid my XXXX XXXX payment, but I had also submitted XXXX payments of {$100.00} in order to satisfy the XXXX XXXX shortage AND the XXXX XXXX shortage. When they looked into the matter, FTB apparently did not apply my payment to my mortgage, but counted it as an additional payment to the principal because the payment was paid on XXXX XXXX, 2015. I have tried several times to reach the 3 people at Fifth Third who have vowed to help me, but no one answers their phone. I am still receiving daily notices that my mortgage is in default even though I have not missed a single payment, and I have satisfied the 2 additional escrow shortages.
To add insult to injury, I was notified by XXXX XXXX that the terms of my Business Platinum account had changed. This is my business account that I run XXXX dollars through every year! My business grosses over 2 Million Dollars of business a year and we heavily rely on our credit to finance equipment, extend lines of credit and other needs. Thus the " trickle down '' of this credit nightmare begins! HELP!!!!
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| 03/14/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
Older American |
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When I got my loan with Fifth Third Bank on XX/XX/XXXX, I was given a coupon book with 180 payments at {$340.00} per month. I made every payment.
In XX/XX/XXXX, my company downsized due to the recession. I was unemployed until the end of XX/XX/XXXX. During that time, I struggled to make the payments but managed to make every one. If I was late, I paid the late fee indicated on the coupon. Since XX/XX/XXXX, I have been employed regularly and I have made all payments on time or early.
I called Fifth Third in XX/XX/XXXX to ask for the payoff thinking I owed just a XXXX dollars. I was shocked when they told me I owed {$9000.00}. I asked my former wife to investigate and she tried unsuccessfully to figure out the difference.
One thing she was told is that the bank had purchased insurance coverage for around {$1200.00} at some point during the loan, but we had coverage on the boat at all times. We took proof of coverage to the Fifth Third branch on XXXX when we were first notified. They were supposed to cancel the insurance. We heard nothing more so we assumed this was done.
The remaining roughly {$6000.00} difference was explained by the bank as 'simple interest ' but my former wife could not determine where the differences were from the payment records the bank sent her. I ordered a new coupon book expecting to see the new amount. Instead, the coupon book I received on XX/XX/XXXX showed the same payment amount of {$34000.00} and the same number of coupons remaining.
I counted down the months to my final payment. On XX/XX/XXXX I proudly wrote a check for my final payment with the notation on the check " paid in full ''. It was a happy day. However, on XX/XX/XXXX, I received a letter from XXXX Fifth Third saying I still owed {$6600.00}.
Throughout my loan, I never received monthly statements from Fifth Third showing the outstanding balance. I thought my outstanding coupons represented the total amount I owed. If this was simple interest, why was I given a coupon book showing my payment ending XX/XX/XXXX and not a monthly statement like my simple interest Visa card does?
This is unfair and deceptive. I never knew until I called about the payoff that I was getting off track. Not one letter from Fifth Third or one statement balance was received from Fifth Third during the fifteen years that I had the loan. I asked for a new coupon book after the payoff request I made, and I was given another misleading coupon book. Now after fifteen years of payments, I am being told I have to pay them {$6600.00} by XX/XX/XXXX. Can you help us resolve this matter?
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| 09/10/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2018 at XXXX, I went to the XXXX XXXX ATM on XXXX XXXX in XXXX , Ohio . I put my debit card in the ATM and started my transaction to withdraw {$250.00} cash with a {$2.00} fee for not using my ATM. I went through the whole process and a message came on the screen and said it would give me back my card then my cash would be dispensed. It then gave me back my card and right after that, the whole screen went black and it NEVER dispensed my cash. I waited for about 15 minutes and still nothing. The screen was then black and just said " Check Input Signal- Going to Sleep '' in white letters on the screen. I took a photo of the screen on the ATM so I had proof of what it said. I tried to call XXXX XXXX right after that but they were closed and the message said to call back during normal business hours. So first thing that following Monday when the XXXX XXXX branch opened, I called and spoke to someone at the branch and explained what had happened. The woman explained that they were having problems with the ATM and they had placed a sign on it saying it was down but someone had taken it off and that they had multiple calls about my same issue. They said that they were well aware of the issue and it happened to multiple other customers also. They instructed me to just call my bank and dispute the transaction and that my bank would then contact XXXX XXXX to confirm the issue and verify that I didn't receive funds and it would be credited back to my account. Well I did just that and the money was temporarily credited back to my account. Well I received the letter dated XX/XX/2018 that states that the dispute was denied. So I then contacted the assistant manager at XXXX XXXX who was the person that was handling all of the transactions and problems with the ATM being down. She asked me to email her any information regarding my issue, so I did. In the mean time, I emailed the Fifth Third Dispute Team to appeal the dispute denial. I also was told by Fifth Third that there was no hard copy information that they could give me that they used in their research because it was all done electronic. I also was in contact with XXXX XXXX the assistant manager at XXXX XXXX for updates with her progress. Well 2 days ago I received an email from XXXX XXXX stating that she was told that she was told that she was no longer able to pursue my problem and for me to contact Fifth Third to re-appeal and re-file a dispute for the 3rd time. I am not getting anywhere and I am getting very frustrated with all of this!! I will attach the emails & also photos etc. to my complaint
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| 08/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2020 I was the victim of a phishing scam, involving a fake Website. I deleted the screenshot of the fake website when the fraudulent charge was originally credited to my card. I did, however, submit the name of the fake website on XX/XX/2020, immediately, when I received a XXXX transaction receipt from XXXX XXXX. The website was not named, XXXX XXXX, and I have no idea who or what XXXX XXXX is.
5/3rd bank " investigated '' the fraudulent charge. From the seller they received a fake business name, " XXXX XXXX, '' a fake business Email, " random numbers and XXXX, '' which is a spam Email server XXXX, XXXX, XXXX, and others will not allow Email from, a fake business phone number with an area code that doesn't exist, and calling the business phone number results in a recording saying the number is not a working number, a XXXX slip that does not display my home address, and when I called XXXX for clarification, they said the tracking number on the slip was related to a package that came from, " XXXX, '' even though the " investigators, '' received NOTHING from XXXX, and a copy of the document they received from the seller that requested " proof of the purchaser receiving the item '' which was completely blank.
And yet, with these and even more illogical red flags displaying to any logical thinking human being that the charge is in fact fraudulent, the " investigators '' deemed this a " legitimate '' purchase, and reversed the credit they issued on XX/XX/XXXX.
This is now XX/XX/2020. I closed this account on XX/XX/2020, due to the horrible mismanagement of this fraudulent charge investigation. I have no charges on this closed XXXX account other than this one fraudulent charge. In fact, have no other charges on any other credit card.
Even though it is closed, I have received two late fees, two interest charges, and even though I received a document stating credit bureaus would not be contacted, there was a delinquent account message sent to XXXX, which lowered my XXXX credit score from XXXX to XXXX.
I have contacted 5/3rd well over 50 times. I have sent pages and pages of documents through the mail, Email and fax, showing why I am a victim of a phishing scam. I have been into two local branches, and communicated with well over 50 5/3 employees by phone, Email, and Chat. I am told to wait, and wait, and wait. I am told supervisors, " Do not take calls. '' I am directed around and around and around and around in circles.
I have contacted the XXXX, XXXX XXXX page, disputed by XXXX credit account, and now am contacting the FTC.
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| 12/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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XX/XX/2022 We were lied to by XXXX XXXX who knocked on our door and sold us solar panels, they stated this was an initiative by the state of Florida, because they wanted people to go green.
They promised tax incentives & told us we would be saving so much money because the solar panels would cut our electric bill immensely. They Lied about the size of the loan, we did not know till afterward when we received an email from Dividend finance and I called Dividend finance in the very beginning with my concerns and told them we were misled, Lied to and pressured into signing up.
Dividend told me everything was above board and would not let us cancel. Now here we are a year later with the panels still on our roof and still non-working since the day they were installed.
We found out the work that was done on our home, was done illegally and without a permit or inspection from city.
Even worse, Dividend released monies to XXXX XXXX for not only Incomplete work but illegal work done on our house. We did not agree to them releasing money on our behalf.
They approved everything from XXXX XXXX, very quickly and without our knowledge so the loan could be activated.
I also believe they targeted me a stay at home mother with no income to be named on the loan, rather than my husband who has a good income and good credit. So they could charge a higher tax rate.
Now XXXX XXXX are out of business and Dividend are trying to keep customers locked into these huge loans. A loan that I was not even aware of when the guy was in our home trying to sell us the panels. He told us this was being done through Florida, because the state of Florida wants people to go green. Lies.
Now Dividend is calling me trying to get me to agree to a third party solar company with great reviews to fix XXXX XXXX mess. When I asked XXXX from Dividend the name of this third party company, with great reviews she could not tell me.
Then she backtracked saying well actually we have not found one yet, but I would need to agree first. I do not have a contract with this third party company, it was with XXXX XXXX, who are now out of business.
Our panels have never been fixed or connected. Our local electric company did not even know these panels were on our roof, yet Dividend approved the work and released money to XXXX Stating it was complete. Without permits, photos or documents shown to us the Consumer. Because there is none. Again it was done illegally.
The only thing I want at this stage is those NON WORKING panels off my roof and to never do business with Dividend ever again.
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| 10/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2020, I received an unauthorized charge on my XXXX credit card. I immediately contacted XXXX bank and cancelled my card and ordered a new one. 5/3 credited the unauthorized charge of {$99.00}.
On XX/XX/2020, I received a notification that their investigation team found the charge to be legitimate. The information they received consisted of a fake business name, fake business phone number with an area code that does not exist, a fake business Email address that is from a known spam Email server ( yeah.net ) from which major Email accounts such as XXXX, XXXX, and XXXX will not accept Email. They also received a screen shot of a XXXX tracking confirmation order that did not contain my name or address. This information was received from XXXX XXXX, the location from which I supposedly authorized the transaction.
Had 5/3 done some actual investigation, they would have found the business name, business Email, and business phone number were all fakes. 5/3 made zero attempts to contact the business that was the supposed seller. If 5/3 would have contacted XXXX directly and inquired about the transaction number on the XXXX screenshot they received, they would have discovered the transaction number is connected to a purchase and delivery of an item, not from Pay Pal, but from XXXX, by a Mr. XXXX XXXX.
I have been continually harassed and bullied by 5/3 to pay for this transaction I have nothing to do with. This transaction was conducted by a Mr. XXXX XXXX. I have more than six credit cards. I have zero balances on any of them, except for this one single unauthorized transaction on this now closed by my request 5/3 credit card.
I have had delinquent account reports sent to all three credit bureaus over this unauthorized transaction. I have late fees and interest charges placed on this card every month. 5/3 has broken their contract by sending information to the credit bureau while ongoing investigations were taking place. They went against FTC guidelines by not completing the investigation in 90 days. They have gone against Mastercards 100 % buyers protection policy by refusing to credit this fraudulent transaction.
I have supplied them with definitive evidence that the tracking number they present as proof of my receipt of an item has nothing to do with me. I have supplied them with proof of the supposed seller being fake and have sworn to them I have never communicated with the supposed seller one time, let alone authorized the use of my card. They refuse to communicate with me regarding the authentic documents I have provided them.
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| 08/10/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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On XX/XX/XXXX I made 2 transfers that involved my other bank accounts without any issue, and 1 on XXXX XX/XX/2023, shortly afterwards I received an email saying that they put my account on hold and that I'm supposed to call them and so i did. I explain to 4 different people in Fifth Third of what is going on, they said that they use a 3rd party application for these transfers and it was not able to provide that I am the owner of those bank accounts, i told them i am the owner and i can provide them with the account statements. However, they do not accept account statements being emailed or send electronically, they want me to come to a branch and show it to them. I asked them where is the nearest branch to where i live and they told me it is 9 hours and 56 minutes away, i ask them is it reasonable to ask me to drive or fly all the way there just to show account statements, i also asked if they will reimburse my travel expenses if i do and they said no.
They blamed me because i moved away from their branch, I guess that they dont realize people do not always live in the states where they opened their account or that moving out of state is a foreign concept to them. Eventually, they gave me 2 choices which are close the account or drive 9 hours and 56 minutes just to show them account statements that can be send electronically. I told them you can close the account but the funds that i have in the account can either be send in a check after 30 days or i can withdraw it through their partner ATM which there is a fee to that. I dont understand why they need to keep XXXX of my money for 30 days if they choose to close the account today.
In 2023 where any other bank accounts including IRS accepts electronic documents, apparently Fifth Third does not. In addition, i also would like to add that i have shown every good faith that i have, yet Fifth Third treats their 3 year long customer like a criminal and at the same time they dont want to provide a reasonable way for me to provide the account statements and they keep my money XXXX for additional 30 days, just to let you know, Fifth Third also withdrew my money from my other account then put the hold on my account, which if you think about it is highly unethical. Moreover, the total amount of money after the transfer is a little over {$4000.00}.
For the customers, I hope you read my case with Fifth Third and think twice before opening an account with them, and as for CFPB I hope you view how unethical they operate and make an example of banks who hold their customers money XXXX.
|
| 08/16/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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On XX/XX/XXXX my husband ( XXXX XXXX ) received a phone call from a process server who wanted to schedule a time to deliver documents, they gave him a phone number to call so he could find out what this was about. He included me ( XXXX XXXX ) in on the phone call. The number was ( XXXX ) XXXX. The company was a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We spoke with a XXXX XXXX. She explained that they were a legal firm and that they were representing Fifth Third Bank. On a overdraft charge made about 10 years ago and that they had sent us notice on XX/XX/XXXX with an offer of 1/2 off the balance. We never received anything in the mail from them. We requested proof of this debt. She told us that she did not have to give us any and that we would see everything when we went to court. The original debt and all the agencies that have held title on it. Our debt was {$1800.00}. If we went to court we would owe the debt in full and the court cost all due that day. If we had to have his wages garnished it would cost us over {$3000.00}. We decided we would have to call her back. When we got home, we called Fifth Third Bank and all they could tell us was that XXXX XXXX did have an account with them 10 years ago but it was closed and they no longer had anything on file. They told us we should check XXXX XXXX to see if it is on there and that would have tracked the debt. At the time we could not get onto the XXXX XXXX site and were unable to pull the report until 2 weeks later. Since we did n't know what was going on, we decided we would try and pay the debt in full, so we would not have any legal issues. We called XXXX XXXX on XX/XX/XXXX and asked if we could work with them on this. She told us if we could pay within 7 days she could get the balance dropped to {$730.00}. I went ahead and paid it the next day. Giving her a direct transaction from my checking account. I will attach the email and form we signed. Since then, we have received numerous calls from debt collectors trying to collect old debt from my husband from banks he never had accounts at, all of them threatening court. We have also received a XXXX XXXX report and all 3 credit reports and Fifth Third and none of these other banks or balances are showing on any of them. I have recently done a lot more research and now know our consumer financial rights and believe that this company is a fraud and has scammed us out of our money this debt would also have reached it 's status of limitations and they would not have been able to take us to court over it.
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Older American, Servicemember |
|
My wife and I are victims of identity theft/fraud/misuse of our credit report. I have been with Fifth Third Bank/as a customer several years. I myself am 100 % XXXX XXXX XXXX. My wife is my XXXX. We had known the bank associate that initiated the issues w/our credit ; XXXX XXXX XXXX over 7 years. During the Covid19 shutdown, we could not enter the facility, yet my wife and I had spoken to XXXX over the phone during the end of XXXX into XX/XX/2020 with regards to our prior credit " pull '' of XX/XX/2020 [ with our own prior mortgage person-XXXX XXXX ]. XXXX was willing to look at the recent credit pull, and advise us of what we should do in order to get our credit repaired, to move in Fall/Winter 2020. NOONE advised XXXX XXXX we wanted a Mortgage loan with Fifth Third at this time. NOONE AUTHORIZED XXXX XXXX to utilize our personal information to obtain credit, pull credit, or give our information to any outside lender. PERIOD.
In XX/XX/2020 we had learned that our personal information was Breached*, and XXXX XXXX obtained all our information against our wishes, in our files/ at FIFTH THIRD BANK, in order to provide information to an outside mortgage lender source [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX ] ( not 5/3 Bank ). This was without our knowledge ; without our consent. We did not authorize this, and we, therefore, requested to FIFTH THIRD CORPORATE that this formal FRAUD REQUEST be attended to immediately. { CEO XXXX ) We also request that the bank take all appropriate steps to remove information about this account from OUR credit files to XXXX-XXXX and XXXX within those 7 business days by letter.
My wife and I are currently taking close steps in trying to repair what was damaged with our credit due to this incident. Noone gave AXXXX XXXX any authorization of ANY kind, NO written NO verbal. She has NO CONSENT to pull credit to look at our personal information.
Within days of this occurring with this employee, she denied all actions. Fifth Third Managers overseeing this employee were to have corrected the entire situation / help correct our credit, yet to date, NOTHING was done to justify her actions or to correct the fact she committed FRAUD. My wife and I have a copy of my credit report to date showing the fraudulent items related to both the employee/bank actions and that of Mr.XXXX that is the result of THIS identity theft/FRAUD.
To date, we have yet to have our credit report cleared of these 2 inquiries and have not received the credit report that they pulled on my wife and I.
|
| 10/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
Older American, Servicemember |
|
On XX/XX/19, I visited a branch to get help with my account which was being charged for multiple insurances fraudulently through insurance brokers. I worked with XXXX XXXX, who opened another checking account for me and moved my money from the compromised account. At the same branch visit ( XXXX 5/3 branch at XXXX XXXX XXXX XXXX, XXXX OH XXXX ), XXXX was supposed to be assisting me with adding my daughter as power of attorney for all of my accounts. We submitted the notarized documents and were assured that the info was added. However, almost a month later, my daughter is still not added and is unable to help me with my accounts without me there or on the phone. I am a XXXX year old retired XXXX XXXX veteran who is not at all tech savvy. I have been asking my daughter to help me because my account was repeatedly being overdrawn by these insurance companies who I couldn't reach to cancel my accounts because I don't have any of the policy info. Instead, we have been told that there is no fax number to submit the documents, but that I have to go in to the branch. I went to the branch twice today and was convinced to sign up for a loan rather than what I need help with. It has been brought to my attention that this is elder abuse. My daughter can not take off of work to go in to the branch with me everytime in order for my requests to be met. Also, it appears that even when she does, that this bank would rather continually tell me how they can't help me than actually even attempt to help me other than getting me to sign up for new products, which I'm sure is more in the bank 's interest than mine. I just want to be able to pay my bills and not be taken advantage of. Yes, I understand that we can go in to the branch or mail in the documents, but the situation has already not been rectified in almost a month. As a 2x XXXX XXXX survivor, what I really want to do is live out the rest of my life without this type of stress. I've been with this bank for several decades and I can now say that I would never ever recommend this bank to anyone. The person I spoke with this evening ( XXXX ), told me that he can not give his last name for privacy purposes and can only give his supervisor 's last name ( XXXX ) ... that is very interesting, considering that the branch employees give their full names. It sounds a fishy as the banking practices 5/3 uses and it also sounds like a convenient way for there to be no accountability. I'm trying to help myself, but obviously, I'm not important enough to receive help from a bank who has MY money.
|
| 03/09/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Fifth Third Bank in Ohio services my Loan. I recently filed a complaint and it was dealt with and closed, # XXXX. However, the bank staff did not complete their responsibilities and I had to contact XXXX XXXX for Assistance. Fifth Third is again abusing my funds in my mortgage account.
FEMA stopped providing flood insurance several years ago and their customers were transferred to the National Flood Program. During that time, FEMA quoted me {$3800.00} annually when I was paying {$460.00} for over 10 years. I was in a panic but they told me that my servicer would provide forced flood policy, which they did for several years, maybe 4 years and the cost was from {$960.00} to {$1300.00}, it varied. During my Covid Closing/Deferral etc in XXXX, finally after 11 months of problems at Fifth Third, they Loss metigation person instructed me that I could get flood insurance much cheaper on my own now that it was farmed out to insurance agents through the Nat Flood Program . I found coverage for {$520.00} annually and obtained a policy and sent proof to Fifth Third. I also followed instructions to send my written request by email to close the escrow and my my mortgage payment would be reduced back to normal. Before Escrow, my payment was {$470.00}. It has changed over time with the escrow added.
I have received two statements from Fifth Third and made the following payments. {$340.00}, {$580.00} which was to cover the negative forced flood insurance payment they made on my behalf and close escrow. However, my loan was closed before all that occurred. My statement shows active/open escrow account with {$520.00} current balance and my payment mortgage payment was reduced from {$580.00} to {$550.00}, which still included {$82.00} monthly escrow payment. My policy I bought privately is paid through XX/XX/2023. By that time, they will have collected {$980.00} and my escrow will be {$1500.00} for a flood policy of {$520.00}.
I did not open escrow, I do not need escrow, I have asked for it to be closed again, and again. At the present time, it is being analyzed to determine the problem.
I do not want escrow, I do not need escrow. That money is my grocery money. I am XXXX and on SS and XXXXXXXX XXXX income. I pay my own house expenses including property taxes, homeowners insurance and flood until FEMA changed over to NFP. I appreciate Fifth Third providing the forced policy but I no longer need it with a premium of {$520.00}. They are escrowing me for the forced flood amount and a slight buffer, which is not needed. This is illegal.
|
| 10/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
Greetings, As of today, starting roughly around XXXX, I began a series of several phone calls to " Fifth Third Bank '' ( FTB ). Previously I received a letter from them that my current mortgage had been transferred to FTB. I therefore, wished to open an account profile online in order to AUTOPAY our mortgage as we have always done. To this moment, XXXXXXXX XXXX, I am now on my 6th phone call to set up my account. Each phone call has approximately a half hour wait time. My wife called on her phone as well, whereas, both of us were calling to get some kind of support. During one of the conversations, an XXXX, Name : XXXX XXXX : was asked for her NMLS ID : of which she responded, WHY..and gave me quickly a " FAKE '' number ( XXXX ), after being stern and requesting it again, knowing that the numbers were incorrect, I asked again. She finally gave me the correct number. But refused to give it in a manner that was understandable. I was able to find her on the consumer website none the less, for your review. This response, in addition to all the endless call transfers that go nowhere are unacceptable for honest consumers who are doing and making a diligent effort to pay a bill. Each call only inched me closer by a small margin. By the time I gained access to my account via a more helpful and resourceful agent, the access granted had no timed out. I had to start all over again. I finally, and stern bound, was able to speak with a supervisor above his subordinate ( XXXX XXXX who stated that I could not be HELPED, and he was able to reset my web access. I entered the information as agreed, and finally was moved to yet another step. However, now, I was greeted with an error. And once again I have to start all over again. After 4 hours of wasted time. This is a short version of the whole story.
No consumer, should be guided through a 4 hour " frustration tactic '' which could cost them a negative impact on the consumers credit report, risk repossession, legal charges and so on. No consumer should be lied and given a phoney NMLS number when asked. No consumer should be rushed off the phone when asked for an NMLS number. This company has numerous complaints in addition to the XXXX XXXX XXXX complaints of similar nature. As of this moment I will filing complaints with all the federal and state agencies who will be involved. I will not risk my credit being damaged, nor any other consumer who may have their rights violated.
Please feel free to call me ASAP regarding this issue of formal complaint.
Sincerely, XXXX XXXX
|
| 05/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
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My wife and I had a car loan with Fifth Third Bank since XXXX.. In late XXXX of this year, my wife had an XXXX with the car. XXXX XXXX deemed the vehicle at total loss. Fifth Third Bank issued us a Total Loss letter dated XX/XX/2020. XXXX XXXX issued and mailed a check to Fifth Third Bank in the amount of {$9400.00} on XX/XX/2020. I noticed that the loan was not paid off on or around XX/XX/2020. I contacted Fifth Third Bank numerous times by phone, email and fax to try to rectify the situation. By the end of XXXX, Fifth Third Bank notified all 3 of the credit reporting agencies that my wife and I were 30 days late on our car loan. Fifth Third has the payoff check from XXXX XXXX in their possession. In total desperation, after countless calls and conversations with Supervisors and loan specialists, I told them I was going to file a formal complaint. Two days later, I received a phone call from XXXX at XXXX XXXX saying she would try to help. She asked if I could call my adjuster at XXXX XXXX and ask they could reissue a check. I said sure. My adjuster XXXX said it would be no problem to re-issue a check. XXXX stopped payment on the first check that they issued on XX/XX/2020 and reissued another check on XX/XX/2020. The check was received by Fifth Third on XX/XX/2020 and paid off the loan. In the interim, my wife 's and my credit score has dropped by almost 100 points each because even though Firth Third could not find the first check .. nor had any Supervisor or loan specialist ever suggested that I ask if XXXX reissue a check ... it wasn't until I threatened them with a formal complaint until anyone acted.. but our credit scores are still -100 points each because of their neglect. I sent XXXX XXXX XXXX, Senior Vice President a formal complaint via XXXX XXXX on XX/XX/2020 and I also filed a formal complaint with the OCC. In total, beginning on XX/XX/2020, I submitted 9 email requests with copies of the check to Fifth Third, 1 fax with attached documents, and countless phone calls asking for help and explaining my situation ... Finally, after me saying that I was going to file a complaint, someone called me back ... Our credit scores are still -100 each and XXXX XXXX XXXX has yet to respond to my complaint. I've never seen a bank so non responsive and just not care. Meanwhile, my wife and I need to buy a new car and we wanted to re-fi our primary home along with our vacation home. With our credit scores being devastated by this total neglect of a bank, we are now put in negative financial situation.
|
| 12/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
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Fifth Third Bank ( " 53 '' ) purchased my refinanced mortgage in XXXX. As part of my refinance, I agreed to a mortgage payment of {$2300.00}, which was to include my mortgage payment, taxes and homeowner 's insurance. 53 negligently failed to pay my homeowners premiums and my policy was canceled. Despite having been a customer for over 30 years, XXXX XXXX XXXX declined to renew my policy based on a " non-payment '' history. After negotiations, 53 retroactively paid the homeowner 's insurance premiums from XX/XX/XXXX to XX/XX/XXXX. Despite its negligence, 53 asked me to obtain another homeowner 's insurance policy, which I was able to obtain from XXXX XXXX, although the premiums were higher than I was paying through my escrow account. XXXX then contacted me and I was told that 53 had, yet again, failed to pay the homeowner 's insurance premiums, even though XXXX had contacted them multiple time and requested payment through my escrow account. Now, 53 has told me that my house payment will increase over {$300.00} per month to cover the cost of the insurance they purchased at almost double what I was paying previously through my escrow account. 53 also informed me that " that coverage we purchased is limited and may not adequately protect your interest. '' During this over two-year period, I have made numerous phone calls to 53 and written them numerous letters. When I refinanced my home, I agreed to the payment amount, to include taxes and insurance, because that is what I could afford. As a result of 53 's negligence and fraud, I informed 53 that I was going to continue to pay my mortgage payment of {$2300.00}, which is what I agreed to and contracted for, and requested that no late charges or other fees be applied to my account. Now, 53 is sending me threatening letters suggesting that I may be in jeopardy of losing my home if I do not pay the late fees and significantly increased house payment due to the outrageously expensive insurance it purchased.
By paying a years ' homeowner 's premiums retroactively, 53 admitted to its negligence of not having paid those premiums during that prior year through my escrow account. Although 53 destroyed my relationship with my long-standing insurance company and through no fault of my own that the policy was cancelled, I obtained another policy in its place. AGAIN, 53 ignored XXXX ' requests for payment of the premiums and that policy too was cancelled. All this occurred when I had homeowner 's insurance at a price I could afford and with adequate coverage.
|
| 01/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This isn't from a store. It's from a bank called fifth Third Bank.
During the Pandemic, I am on unemployment and collect a partial retirement check. Now this amount has not changed for approximately a year. The unemployment is XXXX every two weeks and my partial retirement is XXXX. Unfortunately, my bill also has not changed. Therefore, on a regular basis I was borrowing money to meet my financial needs.
Therefore, I applied and was approved to receive XXXX dollars in advance of which I have to pay back. This is unfortunate and since the pandemic an on going situation. Therefore, when I receive my XXXX it automatically goes my " XXXX XXXX XXXX XXXX ''. Therefore, they deduct XXXX from the XXXX that I owe. which leaves me with a balance of XXXX. Now, what I normally do is borrow the XXXX back to add to my checking account. Then can use my unemployment to pay bills.
Unfortunately and periodically, they would change the amount that I can borrow. They would bring it down to XXXX. Therefore, when I get my usual unemployment money they still have the outstanding amount XXXX. Which would then be deducted from the XXXX unemployment amount. Which will leave me the usual amount XXXX. But, they will add XXXX plus XXXX to equal XXXX which my new balance. Then would calculate that I would not be able to receive back my usual amount of XXXX. Instead, I can only borrow XXXX. Therefore, I am out of XXXX. This money is badly needed to pay my bills.
So what's the problem?
1. I regularly receive the same amount each month. So, why is this bank periodically changing the amount I can borrow? If my income was fluctuating then I can see the fluctuating approval amount. But, I still receive XXXX every two weeks and XXXX once a month.
2. They automatically take my money and hold it for two days before it's credited to my account. If the money comes on a Friday I usually have to wait until next week Wednesday or Thursday before I see my money in XXXX XXXX Account to borrow XXXX
3. When they lower the amount that I can borrow, what happens to the rest of the money? I get no statement showing where that money went. It just disappears. I have lost a lot of money and no accountability to what happened to this money.
4. I have no control of my money once it hits this bank. I would like to have a payment plan to periodically pay off this loan. Instead, all my income is pulled and some of it I can borrow.
Fifth Third Bank Address : XXXX XXXX XXXX, XXXX Fl XXXX Head Loan coordinator XXXX XXXX email XXXX 53.com
|
| 09/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I applied for a Fifth Third Essential Checking account online on XXXX/XXXX/2016. My application was approved online and funded on that day. I opened the account because of the sign-up bonus for {$200.00}, which would be deposited after 90 days after completing the following : Qualifying activity includes XXXX online bill payments using Fifth Third Bank 's online bill payment service AND direct deposit. The monthly maintenance fee would be waived for the account if Maintain a combined monthly average balance of {$1500.00} across your deposit and investment accounts. I funded the account to maintain the {$1500.00} balance, but was charged the monthly maintenance fee each month. When I called Fifth Third to have the fees reversed, they reversed one month. When I called customer service again to check on the status of my bonus, after the 90 days have passed and I have completed the bonus terms, they stated that I did not open an Essential Checking account, but a Basic Checking account, which is not eligible for the bonus. I also inquired to have another month 's maintenance fee reversed and they stated that the Basic Checking account can not have the fees waived. I asked why I was placed into the Basic account when I applied for the Essential and they could not provide me with an answer. When I requested to have the account closed and transferred into the Essential Checking, they stated this account can not be closed until a year has passed.
I contacted the local branch and spoke with XXXX XXXX and explained what had happened. He stated that he would reverse the monthly maintenance charges that were not reversed and close the Basic Checking account and transfer my funds into the Essential Checking account. He opened the Essential Checking account on XXXX/XXXX/16 and kept the Basic Checking account open until I received my debit card. I called XXXX again on XXXX/XXXX/16 stating that I have not received my debit card and to confirm the mailing address. Once confirmed, he said he would mail the card out again. On XXXX/XXXX/16, I emailed XXXX stating that I still have not received my card and would like my account closed and all maintenance fees refunded. In his response, he stated that two months were previously refunded and he would close my account.
In the Basic Checking, I received 5 monthly maintance charges at {$8.00} each. There was a reversal of {$7.00} and {$8.00}. I was placed into the Basic Checking account without my knowledge or consent. I believe this is a deceptive practice.
|
| 11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I called and tried speaking with a guy who answered the phone on credit card from 5/ 3 bank. I tried to explain to him that the lady I spoke with the night I called and told her I had my balance transfered to another account and I paid XXXX which was what the phone amount stated when I called for balance on credit card. But when I had the XXXX transfered over. The valance it quoted me was wrong I only owed XXXX?? But didn't remember change amount. So I called the bank and the lady told me two different amounts. One was XXXX and the other was XXXX? So I finally got her to tell me the correct amount and I even rd her several tines I had the valance transfered all except the smaller amount left. Which was XXXX? So I asked her to take that amount out i of my checking account and that the guy lied to me on high charges ud be having to pay which Id even ask interest ea month or charges just to use the credit card etc. He stated no. But when I used the card I seen they were charging my almost XXXX ea month just to use that card. So that's when I transfered main amount to another card and I paid the rest XXXX? And I even told her I was then cutting up the credit card due to I refuse to pay close to XXXX ea month just to boost my credit score.
So a month or so later I seen that XXXX was taken out if my checking account. Shed took not only the XXXX? I still owed on the card but also took XXXX out of my checking account also. This was what I was trying to tell the guy I spoke with. That now because the lady messed up and XXXX XXXX instead of just the XXXX?. I told him I'm not paying two different charges on same amount when she messed up. So he put the XXXX back into my checking account like I asked. Which I thought this straightened it all out. But I now see he turned right around and put it to were I was having to pay the valance twice again. So I'm fighting this due to I transfered the XXXX dollars from XXXX credit card to my XXXX XXXX credit card which gas been paid off already. But you refuse to acknowledged my explanation on what I did and how I refuse to pay again for there mistake. Which this will be the third mess up this checking account gas done since 2012.
I told them one more ness up to were I'm being charged for amounts that your receptionist mess up. That I'll close my checking account and bank from some where else. So this is what I'm going to do next month right after I get paid so I have time to contact the open accounts and give them my new account Number from a new bank.
|
| 06/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth Third bank, knowing committed fraud in violation of MGL 93A.
They had recently bought my loan from XXXX XXXX ( XX/XX/XXXX ) and recd all the necessary accompanying paperwork, by XXXX they failed to make my insurance payment as required as my escrow agent, then forced insurance at XXXX greater than my insurance. They said that they sent letters to me, which they lied about, they never sent letters. My insurance agent called me finally to say that the mortgage company DID NOT PAY my required homeowners insurance which was due XX/XX/XXXX, speaking with Fifth Third, they have NO EVIDENCE of even attempting to mail my required homeowners premium and created a potential cancellation of my insurance by their deceptive practices and irresponsible fraudulent actions.
I paid the insurance, myself, on my credit card after learning that Fifth Third refused to act responsible as my escrow agent and send a timely payment to renew my insurance. Fifth Third then forced insurance on me through their fraudulent insurance racket ( {$3700.00} instead of {$1500.00}!!!! ) they then further committed fraud by then elevating my escrow/mortgage payment by over $ XXXX mo in an attempt to defraud me continually. After looking up Fifth Third bank on the internet for complaints, I was surprised to see that Fifth Third Bank has a history of defrauding consumers, why do you allow them to continue to abuse the public?
I am an XXXX who's professional job is to care for the sick, if I performed my job as poorly and deceptively as Fifth Third abuses their clientele, I would be fired.
DO YOUR JOB and SHUT DOWN this fraudulent bank. They have made me spend HOURS on the phone, refused to do their job, passed the buck to other departments that then disconnected phones, and told me I WOULD NEED TO CONTINUE TO CALL BACK to make sure they did their job correctly ( and legally ) THIS IS UNACCEPTABLE, they owe me more than 4 hours of pay!!! I finally had to have my mortgage officer call in with me on conference and HE HAD TO SPEND OVER AN HOUR talking to these less than polite, non professionals at Fifth Third bank.
With complaints stemming back 7 years, civil lawsuits and one brought by the CFPB itself, I dont understand why you allow them to commit fraud and do nothing about it.
I DEMAND a resolution, I demand that the employees act legally and do not use deceptive practices such as I have explained above, please FINE THEM and have them pay me for my time, this is beyond ridiculous!
Sincerely,
|
| 02/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I made a payment through Fifth Third Bank 's online system on XX/XX/2020 for {$1300.00}, of which, {$37.00} was for principal curtailment, and {$1300.00} was to post for the XX/XX/2020 monthly mortgage payment.
As the payment was made in XX/XX/2020, and the XX/XX/2020 monthly payment was not yet due, I have requested that the company apply the {$37.00} to principal curtailment first, so that the interest for the XX/XX/2020 payment will be calculated correctly. As interest is paid in arrears, this means that the balance at the end of XX/XX/2020 should be used to calculate the interest amount due for the XX/XX/2020 monthly payment.
When Fifth Third received the payment, they first applied the XX/XX/2020 payment, then reduced the principal balance, which means that interest was calculated on a higher amount in error.
I called and asked them to fix this. I spoke to 2 associates and 2 supervisors, who advised me that what I requested was not possible. I advised them that not to do so would be a breach of RESPA guidelines, and asked that they put a request in to their payment area.
I then received a call to again advise me how the payment had posted, not that they would correct it. I left a voice mail message asking that they just reverse off the payments from XX/XX/2020, apply the principal curtailment, and then following that, post the XX/XX/2020 monthly payment. To which, I received a return voice mail asking how I made my payment, one check or two, for the amounts, and check numbers as well.
This is very disturbing as a financial institution this large should have associates that can view loan history, and be able to determine that the payment was made through their own system, so there is no check number, and the amount of the payment. This institution should also be aware of how interest is calculated and that as the XX/XX/2020 payment was not yet contractually due, any funds received prior to that date, can and should be applied prior to my interest calculation for a payment not yet due.
I am asking for your assistance and intervention as I have spoken with a number of their associates who are not able to assist with a simple request.
I even stated that if their system is not capable of such a reversal and reapplication, which would be appalling, then they could just take a corporate loss and credit my principal balance with the overpayment of interest. Neither of my requests has been completed to date, and I would like this rectified prior to my next payment being due.
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| 06/02/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX XXXX, 2015 Fifth Third closed my checking account without notifying me. On XXXX XXXX, I went on line to check my balance and seen the account closed. I Called the XXXX office in XXXX Florida immediately, spoke to XXXX, asked him why the account was closed and he said they did not want my business. I told him I would pick up the check, he said I could not pick up check, it was mailed to me on XXXX XXXX. On XXXX XXXX I called and spoke to XXXX, told him I still did not receive the check and he said it would take 5-7 business days for me to get the check in the mail. On XXXX XXXX I called him again to tell him I did not receive the check and he said to give it a couple more days. I told him to just cancel the check and write me a new check and I would pick it up. He said he could not do that and I have to wait to receive the check. I told him it does not take 10 days for a check to be delivered by the post office. They are refusing to give me my money and I think the check is still sitting at the XXXX office. When I asked him who closed the account he refused to give me an answer. When I called customer service for fifth third they said the XXXX office closed the account and they could tell me exactly who closed it and where the check is. Customer service said I have to deal with the branch that closed the account, no one else can help me. I emailed customer service XXXX times and no one ever responded, though their email to me said they would get in touch with me within 24 hours of receiving my email. I left message for the manager to call me and never heard back. As the attachment shows it is alot of money they are holding of mine. XXXX 's last remarks to me were if he has to cancel the check it is a very hard and long process and it could take months to do that, so I better just wait for this check unless I want to wait at least 2 months more before I get a replacement check. They are being unreasonable and I know it does not take this long to get my check. I have talked to several other banks in town and they do not believe the way fifth third is handling this. Other banks I have talked to say, when they close an account they notify the customer and let them come in and get their money. When I mentioned this to XXXX, he said they always close accounts this way. I never received a certified letter from fifth third as XXXX states was sent to me. When I asked him to prove who signed for it, they would have it on file, he said he could not locate this information.
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| 11/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/18 I spoke with Fifth Third bank regarding 3 consecutive months ( XXXX, XXXX, and XX/XX/2018 ) of delinquent mortgage payments that appears on both my XX/XX/2018 mortgage statement ( see attached ) and negatively reported on my credit report ( see attached ). The representative then went on to say that I am not delinquent but it is just the way the process works ; she then told me the reason for the delinquencies is because of the 3 month trial payments ( XXXX, XXXX, and XX/XX/2018 ) related to the loan modification ( that was approved ) there is nothing they could do to correct the credit report that impacted both me and my wife because that is the Fifth Third Process. All payments were made on time during the 3 month trial period and Fifth Third agreed that they were made on time but still reported the payments as delinquent. This has to be corrected immediately.
The reason for calling Fifth Third bank was because I applied for a business loan for my company and I was denied the loan because of the negative reporting by Fifth Third. Instead I was offered an extremely high interest rate cash advance loan with a rate of almost 50 %. Because of the negative reporting by Fifth Third, this has caused a hardship on me and my family and the business as well.
I told the representative that I needed my credit corrected because I was applying for a business loan and she did not care because she was following the banks policy. Then I asked her if she could give me a letter confirming that I am not delinquent so that I can show it to the lender for my business loan and she told me they can not email customers.
It is hard for me to believe that a bank/mortgage company works this way by damaging a customers credit report especially when they know the payments were made on time and now as a result I am in a hardship for my business including jeopardizing making my mortgage payments because my income from my business will drop substantially since the working capital loan was not approved.
It is unconscionable that Fifth Third did not foresee that this could impact a persons finances. I have tried everything that I could think of to get Fifth Third to fix this including asking for a letter that I can send to my lender for the business loan and they did nothing to try and remedy the situation. The damage to me personally, my family and my business has been done. I had no other choice but to file a complaint with the CFPB and I am shocked that this is their policy.
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| 09/01/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Fifth Third Bank Mortgage Loan Default Mortgage Loan Account XXXX Phone Call ( XXXX ) XXXX Tuesday, XX/XX/2021 Time : XXXX XXXX Correspondence : Delivered via USPS Tuesday, XX/XX/2021 XXXX XXXX Date : XX/XX/2021 Account : XXXX Important Information Regarding Your Mortgage Loan Default Contacts : XXXX ID XXXX XXXX ID XXXX, supervisor ( XXXX ) XXXX Call Center Supervisor Will return call later this afternoon XXXX returned call Tuesday, XX/XX/2021 at XXXX XXXX.
Made XXXX XXXX XXXX XXXX payment {$540.00} escrow increase.
Escrow XXXX New payment {$1300.00} Thursday, XX/XX/2021 XXXX XXXX Missed Call ( XXXX ) XXXX My name is XXXX I'm calling from fifth third Bank I'm trying to reach XXXX XXXX if you could please return my phone call at XXXX I'm sorry at XXXX that is my toll-free line is XXXX my name is XXXX and I just wan na discuss some of your concerns today thank you very much and have a great day Returned call at XXXX XXXX ( XXXX ) XXXX XXXX, Collections Department Told her I was dealing with XXXX, and she stated there was no such XXXX ID of XXXX.
Put me on hold.
Need to report to a XXXX Placed on hold.
Attempt to call XXXX at XXXX XXXX XXXX XXXX Picked up be someone else and he disconnected call.
XXXX Loss Mitigation and Hardship Attempt to call XXXX at XXXX XXXX ) XXXX States checks were sent via USPS XX/XX/2021 Check Number XXXX {$1200.00} XX/XX/2021 Check Number XXXX {$1200.00} Monday, XX/XX/2021 XXXX, Resolution Department XXXX XXXX XXXX will apply the {$540.00} payment towards escrow shortage.
Will return call in 2 to 3 business days.
New Monthly Payment {$1300.00} {$120.00} Friday, XX/XX/2021 Call from XXXX at XXXX XXXX Still working on letter detailing resolution of escrow account and mortgage.
Said to email letter to her to request cancellation of escrow by Fifth Third Bank.
XXXX Monday, XX/XX/2021 XXXX XXXX Received call from XXXX, Resolution Department XXXX XXXX She states Fifth Third Bank will not allow me to have my property appraised in order for me to remove escrow on my mortgage loan account. Just last week XXXX ( last name unknown, refused to divulge ) stated I would be sent form for requesting an appraisal after I submitted a letter to her requesting an appraisal, which I sent to her on XX/XX/2021 XXXX XXXX.
Informed XXXX, Resolution Department, she was being advesarial with me, requested to speak to her supervisor, and she denied my request, stated she was as high as I can go.
I told her I wanted no further contact from her.
|
| 03/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on my house XX/XX/XXXX, XXXX payment was due until XX/XX/XXXX XXXXOriginal loan servicer was Guaranteed rate, we were instructed to make the payment to them. At the same time we received a welcome letter from Fifth third bank dated XX/XX/XXXX, that our loan had been transfer to them on XX/XX/XXXX. They sent a billing statement for a XXXX payment as well as guaranteed rate sent XXXX. Per Guaranteed rate transfer date to fifth third bank was effective until XX/XX/XXXX hence the payment was done towards guaranteed rate.
First payment was submitted to Guaranteed rate on XX/XX/XXXX. We received an email from Guaranteed rate telling us that the transfer was official starting XX/XX/XXXX. Meanwhile fifth third was calling and showing on their account that I hadn't sent a payment for XXXX. I called to explained several times and no resolution was given.
Starting XXXX all my payments have been made toward fifth third bank. On Monday XX/XX/XXXX, I get a call from fifth third asking if I was planning on submitting a payment for that overdue amount, at that point again I explained the situation to what they suggested contacting guaranteed rate because on fifth third side they hadn't received the money and that i had XXXX days before they impose late fees and report to credit bureau.
My loan officer and me got on a call with both banks separately and again no resolution was given.
Guaranteed rate mentioned they had sent the money under a suspense account and that everything was transfer correctly yet fifth third claimed they haven't seen the money and that they will proceed with late fees and report to credit.Both companies mentioned they have started an investigation to see what they could find. i have provided evidence to fifth third that payments were done.
Both companies have a discrepancy on their loan transfer date. I have the evidence that all payments have been made. No late fees or reporting should be done under federal law, but fifth third have mentioned that if by end of week they do not have payment they will move forward to impose the late fee and report me. Fifth third has mentioned that if the research they are conducting shows where the money is so they can process it that they will retract the late fees and the credit report. this will still hurt my credit history.
No company has taken ownership on this situation and I have been under a lot of stress because I have not done anything incorrectly and yet I will be punish on this.
|
| 11/06/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I have a mortgage loan with Fifth Third Bank, unfortunately because of the economy I failed my mortgage payments on XXXX, my house has a sale date on XXXX/XXXX/XXXX, obviously I do not want to lose my home, I have a family, it is my heritage for me and my family. I am trying to make a loan modification, but there is a person, XXXX XXXX, who works in Fifth Third Bank, she is the point of contact, the only person who can I talk to to get status of my loan modification, but she is very unprofessional, from the begin she told me that she will not review the work out package because I had three years with out pay my mortgage and I do not qualify with out reviewing the work out package, finally when she review my work out package, on XXXX/XXXX/XXXX she advise that she will close the file for missing documents, I even did not know that those documents were missing because is very hard to contact her, she never is at her desk, always there is answer machine and never responds the messages, finally she gave me until XXXX/XXXX/XXXX at noon to send the missing documents, if the documents are not faxed by that time, she will close the file. The required documents were XXXX, Tax Return XXXX and Hamp hardship Affidavit, I sent the documents on XXXX/XXXX/XXXX, I called to the bank on XXXX/XXXX/XXXX to confirm I sent the documents, I spoke to XXXX he said the status has to be with XXXX XXXX, tel : XXXX ext. XXXX, I called her no answer, I left a message for her in her voice mail, she does not call back, on XXXX/XXXX/XXXX I called her again, answer machine again, I called to the bank tel : XXXX, I spoke to XXXX, she said the file is closed for missing documents I explain that I sent the documents on time XXXX/XXXX/XXXX, she said I have to talk to XXXX XXXX directly to get status, I told her it is very hard to contact her, she said she will send a message to her contact me, she call and let me know the case was closed, I ask why and she said for missing documents, I told her I sent the documents, she said the hamp hardship affidavit is missing, I told her I sent it and it is signed by the Borrrower and Co-Borrower, she said she needs one signed by the Borrower and another one signed by the Co-Borrower, the file is closed and there is no way to re-open it. It does not make sense for me, the form has XXXX signatures, I thing she does not want to help the homeowners, I feel like there is a discrimination. I really need help with this, I do not want to lose my house.
|
| 12/19/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/2022 my account was charged through a company called XXXX and I did not give them permission to they had went through my paypal account to then charge my bank account which is connected to XXXX. My account then went overdrawn that day and I went in the negative - {$17.00} after just fixing my account positive XX/XX/XXXX. I did not know this company did this to my account until I relooked over my account on my cellphone Fifth Third Banking App, once I noticed I contacted the bank which was on XX/XX/2022 and they stated they would not charge my account more than two overdraft fee. Then I wound up with three charges of overdraft fees to my account. I then went to a Fifth Third Bank Branch to discuss further because the Customer Service on Phone nor Online could help with furthering my issue of being fraud and hacked by the XXXX company which I had contacted myself to get this resolved and my money back that they had stolen out of my bank through XXXX. I then was told that my MyAdvance that I had was taken from me because I was negative for more than 15days, but I was negative for only 7 days before I had the company return my money to my bank which at that time I had only been charged 2 overdraft fees a {$25.00} and a {$37.00}. I went back into the Branch to get my myadvance turned back on XX/XX/2022 then I was told thered be a request to get my myadvance back but it wasnt positive I would be able to get it back. I then spoke to XXXX XXXX over the phone and she told me that I would be contacted about what could be done then, so after being told that I was finally contacted again on XX/XX/2022 and was told I would have to open a brand new Checking account with them ordinary to claim this as a fraud and hacking done to my first checking account. After creating my new checking account XXXX XXXX said shed call me back once she heard something about my myadvance being turned back on and given me my full limit I had had before, here it is now XX/XX/2022 and I still have not received a call back from her. Today I called XX/XX/2022 and asked to speak to her and they tell me that she wont be available until Friday XX/XX/2022, then was told that my message could be relayed to the Manager, I asked to speak to the Manager but was told she was busy with another customer at the time and that I would have to wait to be called back from the Manager about this. I expressed I can not wait any longer seeing as I have bills I wanted to pay with my myadvance.
|
| 05/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My wife and I were contacted by Fifth Third regarding refinancing our mortgage. We decided to proceed and filled out the initial application packet and sent them our personal documents. On XX/XX/XXXX, due to unforeseen circumstances, we asked the refinancing to be put on hold. We received an email back within an hour from our mortgage officer that this was fine and he would do so. At this point we had heard nothing about the loan application as we were very early on in the process. The following day ( XX/XX/10 ), I received a call from someone else at Fifth Third asking questions about the application. I told her we had spoken to our mortgage officer and it should be on hold for the moment, we did not want to proceed with anything. She was unaware of it being placed on hold but agreed and said we could reconvene if we decided to move forward with it. Then, on XX/XX/XXXX our account was charged with a {$390.00} mortgage loan application fee. I responded immediately and they said they were sorry and would try to get it taken off. I immediately reached out to another mortgage officer we know and was told that they should not have charged anything, and unless an appraisal had already been completed it was not too late to reverse anything and we should not be charged for wanting to put the process on hold or cancel. On XX/XX/XXXX, someone drove down our street around XXXX XXXX and stopped to take a picture of our house and then drove off. My only guess as to what this driveby picture could be would be the " appraisal ''. I immediately sent Fifth Third Bank an email about my frustration with them seemingly trying to push this application through after I had requested numerous times it be put on hold and was promised so. They responded back within 5 minutes that the appraisal had been put on hold and they requested the application fee be returned and were still waiting for them to do so. At the end of the email he said " I will let you know when the fee is returned ''. I have all of this correspondence documented in timestamped emails. Despite the loan officers saying that this was placed on hold until we are ready to move forward, I still continue to get emails about appraisal documents to sign. I feel that this has been a poor example of customer service on their part, particularly for something as intimate as people 's personal finances. I feel that this is due to their company being so large and lack of personal attention to their customers.
|
| 08/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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XXXX is my last name my loan is under XXXX they have sent me paperwork wit XXXX ... I was never able to get that resolved my loan number is XXXX XXXX I have three payment left on a 5 yrs automobile loan I made a payment on line some how they did not receive the payment via internet I received a call that I was late and would I like to make a payment I told them that I had and the gentleman told that they did not have one on record ... I offered a credit card and figured I could figure this out with my bank ... this was the 2nd occurrence with this bank I get a call the next day from a toll free number stating it was the bank I wanted to get the issue fixed so not to ding my credit I got a recording from from this toll free number stating all the customer service representative were bus and to call back btn and it gave hours of operatation ... another customer service rep called and told me I owed $ XXXX to my loan ... I asked what he was looking at and he told me that was for XXXX and XXXX I told him i only wanted to make the {$380.00} at this time that I had a commission check coming in and would pay the whole loan off in early XXXX ... I had two subsequent calls after that stating that the money was returned to my bank ... so back to my bank I went to find out they took the $ XXXX out of my bank and there was not funds for them to take the $ XXXX I called back requested a manger one to pay the loan get the late fees reverted and to pay my banks fees ( the women I spoke to told me to get a letter of the fees from my bank ) I was told that my account was going to XXXX a manager and I would be taken care of to this point I have a letter from my bank I have a call from thier toll free number but no one on their side would answer when I said hello..to call into the bank it is a night mare to get any one I went to their governance page and asked for a couple of those individual on the page I was told by customer service that they could not offer me that information Oh so I TRIED TO MAKE A PAYMENT THIS MORNING on the internet and coud not make the {$39000.00} was told to call customer service and so far XXXX has been over 45 minutes to get someone to talk to ...
I was told they would review the recorded conversation and get back with me that never happened i just want the fees reverted ... letter that they did not mess with my credit score and loan paid off there are so many layers to this bank you can not reach someone who will run with issue
|
| 08/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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This is the third time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee.
My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in XXXX XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX/XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
|
| 09/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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This is the Fifth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
|
| 12/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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|
I requested information on removing the PMI from my mortgage. A form was mailed to me describing the options to remove the PMI. One of those options was to have the house reappraised and if the new value of the home brings my XXXX below 80 % the PMI can be removed. I paid over {$500.00} to have the appraisal done. After the appraisal I received a letter that the request to remove PMI was denied because there was not " substantial upgrades '' done to the home. One of the stipulations was that if the loan is less than 2 years old there needs to be substantial upgrades. Before I agreed to have the house appraised I personally believed there were substantial upgrades and I listed them on the form. There was never a list describing exactly what substantial upgrades consisted of. So, even though the house appraised for a significantly higher value to bring the XXXX down below 80 %, the request was denied.
I spent countless hours and spoke to countless people and explained to them that I didn't think it was fair because I didnt receive a list of what " substantial upgrades '' consisted of. If I had known what that list was I would never had agreed to spend money to have the house reappraised because I would basically be throwing money out of the window.
This is what I really have a problem with ... After requesting all the signed forms I received two different forms from them. One is the form I signed requesting a reappraisal and nowhere does it state what substantial upgrades consisted of. An additional form was sent to me that mimics the one I signed but the only difference is it states exactly what substantial upgrades are. It looks to be a modified version of the one I signed. I feel that the company altered the document to reflect what substantial upgrades were and sent that to me. This form was not signed and I definitely did not receive it. I have a well kept file of all documents received from the bank.
I have received customer service that is far below what I would have expected. I have spent hours on hold and spoken to multiple different associates who all seem to not have a grasp on exactly what is going on here. I feel that this company has taken advantage of me during a time that large companies should be looking for any way possible to help out a fellow citizen. This company has not budged at all or offered any resolution to my concern. I have been an outstanding customer and have made all of my payments in a timely manner.
|
| 09/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is the Fourth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
|
| 05/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We filed a complaint with the Consumer Financial Protection Bureau, case # XXXX. Fifth Third Bank ( 5/3 ) has not addressed all of my issues with the case. Fifth Third has completely ignored my request for backing data as to how they have concluded the amount of PMI overpayment.
While Fifth Third forwarded us a check for fraudulently collecting PMI insurance from us. We have not received the justification for the amount that they have refunded us.
We believe this is only a partial refund of the amount due to us. Fifth Third stated that they have " provided a refund of all PMI payments made since XX/XX/XXXX ''. We have asked for backing documentation to justify the date which Fifth Third determined our PMI overpayment, and by extension the justification of the refund amount. We have not received this information.
It is highly irregular that while 5/3 Bank gave us the run around and ignored or outright lied to us about the process to drop PMI on our mortgage for 6 years, when we filed a case with the Consumer Finance Protection Bureau, magically, they concluded that our PMI should have been dropped.
Our original loan 's PMI insurance was due to be automatically dropped by XX/XX/XXXX with 5/3 bank. 5/3 bank seems to have a scheme to overmarket and push pre-approved refinancing offers as a means to extend their profits, all in the guise of saving their customers money. With this refinancing scheme, and XXXX ignoring our continued requests to drop PMI ( violating HPAs disclosure and notification requirements ), the refinancing of our loan would have had us paying PMI on our loan until XXXX of XXXX on a loan that was originated by the lender on XX/XX/XXXX. That would be 20 years of PMI payments on a 30 years loan.
Fifth Bank and by extension CFPB has closed our case, as Fifth XXXX determined our case " closed with explanation ''. They never gave us the documentation we requested as to how they arrived at the refund amount or date in which they determined our PMI should have concluded.
Yet again, when asked for transparency and information, 5/3 is ignoring our request for the data for the amount of our PMI overpayment. We believe Fifth third has only issued us a partial refund for PMI overpayment. Fifth Third stated that " After an additional review of your account, we provided a refund of all PMI payments made since XX/XX/XXXX '' We believe there is a discrepancy of approximately two years of PMI overpayment or about {$3200.00}.
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| 09/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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This is the Fifth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
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| 05/03/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Credit decision / Underwriting
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Web |
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We applied for a Home Equity Line of Credit with Fifth Third bank XX/XX/XXXX. On XXXX XXXX, XXXX we were advised by the Fifth Third, XXXX Branch Manager, that the application was in a holding pattern, but we had " conditional approval ''. We then verified, via e-mails with the Branch Manager on XXXX XXXX & XXXX, that once our XXXX property closed and we provided the closing statement, only a clean title search and property appraisal for our XXXX home was needed to close the loan.
Our XXXX property closed on XXXX XXXX, XXXX. The appraisal on our XXXX property was completed on XXXX XXXX, XXXX. Then, in XXXX, XXXX we learned that Fifth Third actually wanted us to use the new line to pay off credit card vendors, thus insuring that Fifth Third bank would receive interest payments. This is when we also learned that our business and personal income had been understated because underwriting discounted a substantial amount of our income. Why after we were given conditional approval based on the sale of our XXXX property would underwriting now change the rules of the game by requiring us to immediately start using the line of credit and then inform us they inflated our debt to income ratio by discounting income?
This process has taken way too long and we would like to move on. We have requested written notification from Fifth Third bank as to whether we are approved or not approved for their HELOC based on the information provided to them as late as XXXX XXXX, XXXX. We are not willing to provide additional information if they are going to arbitrarily discount income. If Fifth Third is willing to accept all income, we can provide documentation for a business car loan.
In addition, we would like to better understand why a bank would require a consumer to immediately use a line of credit rather than offer us a lower line of credit? Fifth Third bank was going to require us to pay credit card vendors that they named rather than simply advise us that our debt needed to be reduced by {$30000.00}. Of course, we later found out that our debt to income ratio was inflated because our income was being deflated.
We have excellent credit and simply wanted to acquire this line of credit while we were still in good health and able to work. This process has been stressful for no good reason and no one at Fifth Third bank will give us answers that make any sense. We are still waiting for written notification on the status of our loan as of XXXX XXXX, XXXX.
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| 05/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Hello! My checking account at the Fifth Third Bank went into overdraft on X/XX/2017 .
The bank did not notify via mail, phone, email or text. I have banked regularly with th e Fifth Third Bank for over 10 years and have received regular direct deposits during this time period. My lengthy history wit h Fifth Third Bank demonstrates regularity and compliance. If I had received any type of notification fro m the Fifth Third Bank regarding the balance of my account I would have taken immediate action to correct the error. My payroll did not go through as it always has, so the account balance went negative. I find it absolutely unacceptable that over the course of 10 days the bank took no action to notify me, but instead ran rapid fees to my account. Fifth Third Banks states they sent " emails '' which I never received. If I would have I would have called my employer immediately, called the bank and corrected the situation. When I conta cted the Fifth Third Bank in hope finding a resolution that works in both our favors they denied me any act of compassion or understanding. Fifth Third Ban k stated " We recommend checking you account regularly. '' The bank issued a credit to my checking account in the amount of {$37.00} Fifth Third Bank sa id " Check you account notifications to avoid this in the future '' I spent over a week on the phone with different managers, account representatives and branch managers with no resolution even considered from the bank. Even after I talked to the bank they continued to run fees on my account. They have prevented me from paying m y Fifth Third credit ca rd bill which I asked my parents to pay to avoid any more fees from them. As of now I am not allowed to make payments. I feel I was scammed by The Fifth Third Bank . As I am a regular working class person who is paid regularly. I find this appalling and unethical. The dates and fees are as follow s : X/XX/2017 in the amount of {$110.00} X/XX/2017 in the amount of 148.0 0 X/XX/2017 in th e amount of {$110.00} X/XX/2017 in the amount of {$110.00} X/XX/2017 in the amount of {$74.00} X/XX/2017 in the amount of {$110.00} X/XX/2017 in the amount of {$37.00} X/XX/2017 in the amount of {$37.00} X/XX/2017 in the amount of {$37.00} ( bank wo n't allow me to pay my credit card bill and charged me a late fee ) Total overdraft fees equal {$770.00}.
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| 04/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Like many others, I pre-paid a portion of my XX/XX/XXXX municipal property taxes ( in my case totally {$11000.00} ) to cover the first half of XX/XX/XXXX, fully expecting that the bank handling my escrow and mortgage payments, Fifth Third Bank, would refund me the money in a timely manner in XX/XX/XXXX by reducing my total monthly mortgage payments. THIS STILL HAS NOT HAPPENED. I have been on the phone with them multiple times ( when I first contacted them asking them what I needed to send and by when before XX/XX/XXXX ; in a follow-up on XX/XX/XXXX where I was told things were in process ; on XX/XX/XXXX when I was AGAIN told that I'd receive an adjustment by " the end of the week '' ; after they inexplicably stated they needed further proof that I pre-paid my municipality on XX/XX/XXXX ( at which point I sent it again ) ; on XX/XX/XXXX when they told me the escrow re-evaluation was " in process '' and would take 6 business days, after which I would simply NOT pay the property tax portion of my monthly mortgage payments on XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX to make up the extra money they had ( which DIDN'T happen ) ; and finally today - XX/XX/XXXX, when I was told that the escrow was only NOW being looked at, and because so much time had gone by they would need to wait until the next re-evaluation period in XXXX to even TELL me how much of MY MONEY I would get back. I am largely self-employed, and pre-paying {$11000.00} IN ADVANCE was already painful enough. But being told in repeated conversations that the MONTHLY payment WOULD be adjusted in a timely manner appropriately downwards, only to find that I STILL have to pay them the total {$4500.00} mortgage payment anyway thus far on XX/XX/XXXX ( as expected ), but also on XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ( and beyond ) is killing me here. How long does it take for them to do a simple calculation : making note that I pre-paid and then re-adjusting to give me my money back? It's bad enough that I had to do this in the first place. But this now feels very much like they are deliberately delaying and holding onto my ( and I'm sure many other people 's ) money, perhaps to enjoy the interest gained ( similar to XXXX XXXX - who incidentally ALSO were recently forced to pay me back over {$1000.00} including interest of a rate lock extension fee they weren't supposed to have charged when they originally handled our mortgage ). Please tell me you can do something!
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| 03/26/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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On XX/XX/2021, I received a direct deposit that I was expecting from a customer named XXXX XXXX from Fifth Third Bank to my XXXX XXXX checking account. The amount deposited by XXXX XXXX was XXXX -- the information regarding this direct deposit that appears on my XXXX XXXX accoun statement is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Approximately 10 days after the direct deposit was made, Fifth Third Bank recalled the direct deposit claiming is was a fradulent deposit. Someone had to fill out the paperwork for this direct deposit, and someone had to sign off on it to make sure the reciever 's bank acct. # and routing # were correct. THe fraud does not originate with me.
After Fifth Third Bank notified XXXX XXXX, my account was frozen. At the time I had a little over XXXX of my money in the XXXX XXXX account. The money shows as available funds in my account but I can not access it. XXXX XXXX can not help me because the information they have on the sender is confidential. They suggested I call Fifth Third Bank and explain the issue to them. I provided the infomation regarding the direct deposit listed above, but Fifth Third Bank can not provide me with any information because it is confidential, nor can they follow up on the status of the bank 's investigation of the account holder with the information I provided.
This is literally all the money I have in the world. It came from an early withdrawal from my IRA. My XXXX XXXX XXXX daughter is in hospice care in the final stages of a terminal XXXX. A large portion of my money had been set aside for her funeral expenses.
XXXX XXXX keeps extending the date they will close my acount because Fifth Third Bank has not ask for my money. The XXXX had already been used toward debt I have accured because I am not working so that I can care for my daughter in her final days or weeks. No one can provide me with a time table as to when this will be resolved. I am on the verge of bankruptcy.
I did not commit any type of fraudulent act. If fraud has occured, it originates from Fifth Third Bank. They are rife with fradulent accounts that were set up by their banking associates. That should be their problem, but it has become mine. Can you help me?
I have already left messages for the appropriate parties with the FDIC.
My name is XXXX XXXX my account number with XXXX XXXX is XXXX.
My phone number is XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Thank you in advance.
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| 10/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Over the last 90 days I have attempted to have my private mortgage insurance taken off my loan due to exceeding the guidelines and requirements for needing private mortgage insurance. I have exceeded over 22 % in equity Which is a requirement needed to no longer carry private mortgage insurance. I have provided fifth third bank with an appraisal and assessment that was done on XX/XX/XXXX by the Town of XXXX and is also listed as public records via the XXXX County Real Property Tax Services. The first time I sent a written request was XX/XX/XXXX via email to XXXX. They responded that my request was denied because they based the value of my home from the ORIGINAL APPRAISAL that was done at the time we purchased our home in XXXX of XXXX. For whatever reason they never pulled the most recent assessment which wouldve been easily accessible via public records. I then contacted customer service via phone and was told to resend that my written request via email and attach the appraisal assessment that I received from the Town Of XXXX and to reference the most recent XXXX county tax records. I have attached both documents below that I also sent to fifth third bank. The most recent written request I submitted was XX/XX/XXXX I was told I would receive a written response within 7 to 10 days and I did not. I just contacted them today XX/XX/XXXX and they are now telling me I need to have a Fifth Third appraiser do the appraisal and that I am responsible for paying for the appraisal. I feel they are trying to make me go through every obstacle and deterrent in hopes I give up so they dont have to remove it. I have provided them with everything they asked and more, to fulfill their request, and complete this process of having my Private mortgage insurance removed and ultimately my mortgage payment would be reduced. This is unfair, misleading, misrepresenting and I feel Ive been severely taken advantage of mentally and financially. Im sure Im not the only customer they have done this to. I have requested to speak to the correct department and they refused to transfer me to a live representative. They tell me that department doesnt take calls. I have asked to speak with a supervisor and they person I spoke with claimed to be a supervisor and there was no one higher than her I could speak with. During these tough times this is the last thing I need to be stressed out about and its cost me nothing but grief and misery during this process.
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| 10/10/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened without my consent or knowledge
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Web |
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We closed our checking account on XXXX XX/XX/2023, but discovered that Fifth Third Bank continued to draw funds ( {$150.00} ) from our XXXX XXXX account when we received our XXXX XXXX statement a month later and saw the debit. I contacted Fifth Third Bank to find out why they were continuing to draw fund from our XXXX XXXX account to be deposited in a closed Fifth Third account. They denied that they had initiated the transfer or that any transfer had even taken place. I explained that it was in black and white on my bank statement. They accused XXXX XXXX of initiating the transfer. The mystery was solved a few days later when I found an automated message in my " spam '' folder from Fifth Third " informing '' me of the transfer. I contacted XXXX XXXX and was advised to place a stop on any future withdrawals from Fifth Third Bank since they were either unwilling or unable to assist. The stop was placed.
Fifth Third Bank claims that they did NOT get the funds from XXXX XXXX. However, my XXXX XXXX statement shows a debit. I spoke to XXXX XXXX and they confirmed that the {$150.00} was transferred to Fifth Third Bank, and NOT returned to them.
When I closed the Fifth Third account, I physically appeared at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX met with a BANKER, and CLOSED the account in XXXX. It was later discovered, unbeknownst to us, that Fifth Third Bank REOPENED the account, they later claimed, so that they could cancel the automatic transfers. The account remains OPEN as of XXXX XX/XX/2023.
I received a statement from Fifth Third Bank on XXXX XX/XX/2023 ( dated XXXX XX/XX/2023 ) showing a NEGATIVE balance of {$150.00} ( the unauthorized transfer amount ) with a {$37.00} service change.
I spent another 2 hours on the phone being transferred from one person to the next, and in the end was told to " research it with XXXX XXXX. '' I was also threatened that if I did not pay them, they would make a " report to the credit agency damaging my credit. '' I do not owe Fifth Third Bank any money.
This is an UNAUTHORIZED account that Fifth Third Bank had no right to reopen after it was closed and they refuse to close the account today ( XXXX XX/XX/2023 ) and end the relationship.
I have spent hours and hours on the phone being transferred back and forth to numerous people, been given bad information, and still this is not resolved.
This is a continuation of a complaint that was previously closed.
|
| 04/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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In the end of XXXX, i was having some financial hardship due to the corona virus had been laid off from my job. I decided it was in my best interest to close my secured credit card account. I called them and canceled it. Was told the secured account would be applied to the account. At the time, my balance was {$290.00}. I had a {$300.00} security deposit in my savings that was on hold for the secured account. Usually gets applied within a week time frame. A month goes by, and noticed the security deposit is still in my savings account and has not yet been applied. I called them and was told it is in the process of getting closed out. Assured me that it will all balance out. Another month in a half goes by and heard nothing from them regarding this matter. I noticed the account dropped off my online profile. Called and was told it was now charged off and in collections!!! How can this be? The security deposit was suppose to be applied to my account by now. I would of had about {$9.00} coming back, instead, they put me in delinquency and had to pay them additional {$85.00} in fees, and reported me late twice on my credit report making me look delinquent! I am not the one in fault here, they are. They never once reached out to me and let me know what was going on with my account until months later while i was moving. This is unlawful! The security deposit would of covered the account balance! It does not take 60 days or more to close out an account and apply the security deposit to the account! I have had several XXXX XXXX XXXX accounts, and has never taken this long to apply the security deposit! I have never been late till they made me late! Had a very good record with them! Never missed one payment! They did credit me back for 1 late fee, but it is not good enough. due to this, I now have my credit damaged because they did not properly credit my secured credit card account in a timely manner! I am planning to get an attorney involve that deals with creditors that involved wrong doings. I am also planning to leave a negative feedback online so i can share my experience of how terribly i was treated! For 7 years, I have to live with those 2 late payments on my credit report when i did everything right! This is a careless act, and will not be tolerated! They last my business after this! They are responsible for fixing this, and crediting me back for all the late fees. The stall tactics are unlawful in this case!
|
| 04/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
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|
Web |
Older American |
|
On XX/XX/XXXX, around XXXX or XXXX XXXX I received a call from someone claiming to be from the 5/3 bank fraud department saying my account was compromised. I asked to block my account. They said they would have to send a code to my cell phone to verify my identity. They send me the code and I read it back.
Shortly after I noticed that I could not log in to my account. Had to reset my password. I also noticed 2 fraudulent money transfers on my account - 2 XXXX transfers to someone I did not know. I was NOT logged in to my account when it happened, I DID NOT authorize the transaction and I DID NOT initiate it.
On Monday morning I went to the 5/3 bank branch to notify them about it. The XXXX transactions were still 'pending ' but they said they could not stop it.
The bank closed my account and canceled my XXXX and XXXX cards. there were some other strange charges on my credit card ( shortly after ) as well, but since the card was canceled they did not go through.
The bank has denied to give me the stolen money back - Case # XXXX The bank did not issue a provisional credit within 10 business day ( according to the E-Regulation ). I do not think the bank did a proper investigation. Otherwise they would see that a different IP address was used by criminals to log in to my account to steal the money and the phone number was spoofed.
I am an elderly XXXX XXXX XXXX man on XXXX.
The bank is violating the federal law which states : " On XX/XX/2021, the Consumer Financial Protection Bureau ( CFPB ) published eight Frequently Asked Questions about Regulation E and unauthorized electronic fund transfers ( EFTs ) and error resolution. EFTs and error resolution procedures have grown in importance as more errors are asserted by members and more complaints are being lodged by consumers against financial institutions. The FAQs clarify if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT from the consumers account, that does meet the definition of an unauthorized electronic fund transfer under Regulation E. The FAQs also point out a financial institution may not consider a consumers negligence when determining liability for unauthorized electronic fund transfers under Regulation E. In addition, the FAQs state a financial institution may not require a consumer to file a police report as a condition of initiating an error resolution investigation ''
|
| 11/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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I am complaining in the strongest possible terms about the circumstances regarding my house insurance premium not being paid to date.
5/3 Bank has absolved me of the responsibility of paying the premium myself through the use of your escrow system. My premium was due on XX/XX/XXXX last. I received a letter from XXXX informing me that our policy was about to be cancelled on XX/XX/XXXX at XXXX. Letter dated XX/XX/2016. I received the letter on XX/XX/2016. I was on the phone at approximately XXXX, only to be disconnected at XXXX by your customer service rep XXXX.
I then drove to the branch in downtown XXXX at XXXX.
I sat with XXXX while she went through phone queue hell. While on hold, she explained to me that there was a glitch due to the bank having changed escrow providers, she also pulled up an internal email explaining to the staff of this problem. Your customers, me, were not informed of any problems with this at all, I had to find this out on XXXX when I visited the branch. XXXX was then told that the check to XXXX was in process and would be mailed the next day ( XX/XX/XXXX ) I was also told by XXXX, after she got in touch with XXXX, that if a check number could be supplied, it would give me a 10-day extension. Of course, there was no check number available. I left the branch at XXXX I got a voicemail from customer service on XX/XX/XXXX at XXXX explaining that the check had already processed and that a next day delivery was not an option.
I checked my insurance online today and still no payment to the insurance company. I then went to the branch in downtown XXXX at XXXX and spoke to XXXX , ( or XXXX ) We spent over an hour in the phone queue to the Escrow department. We found out that the check was not mailed out till XX/XX/XXXX. We got the check number so that I could forward it on to XXXX insurance, if they do n't receive the check on the XXXX.
I left the branch at XXXX.
What I would like is the following : An explanation as to why none of your customers were informed of this issue.
An assurance from 5/3 Bank that it will assume any responsibility for any claims that may arise until the insurance is back in force and in good standing An explanation as to why I was lied to at the branch about payment being made.
Compensation for time spent trying to rectify this issue, in my case, 3 hours at my overtime rate of {$36.00} an hour. This is time that I used in excess of my normal working day.
|
| 07/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I opened my 5/3 bank account and saw a pending charge for {$390.00} from XXXX on my checking account. I immediately called the bank to let them know there was fraud on my account. Customer service said I needed to wait until the charge went thru and they took my money before they could dispute the charges. The next day the charges went thru and I went to the banking center to dispute the charge on my account. After 8 days they gave me a provisional credit and I thought it was taken care if. I had a new debit card and my money was returned, When they did the initial dispute there were a few other charges I never saw on my account from earlier in the year - starting n XXXX for a total of {$18.00} that they also disputed at that time. The bank has now taken my {$390.00} back out of my account on XX/XX/XXXX and to add insult to injury they are stating that due to regulation E they will NOT return that {$390.00} because I didn't report fraud earlier.. I had no clue it was there.. but it gets better,, on XX/XX/XXXX I was woken up to a text message from 5/3 bank at XXXXXXXX XXXX asking me if a {$390.00} charge from XXXX was my charge- I declined it and they shut my card down againbut did NOT BLOCK the charge and XXXX got another {$390.00} and the bank forced me to wait again until the charge went thru my account and they took my money AGAIN on my NEW card that the bank issued me incorrectly and I am now disputing that charge. Apparently the bank MANAGER did not properly shut down my debit card and allowed Mastercard to send my new card information to XXXX to hit my account yet again for another {$390.00}. At XXXX XXXX I responded that it was not my charge and the bank still allowed XXXX to take my money and forced me to dispute another charge that was caused by the bank manager for not properly shutting my debit card down in the first place. I have now filed three disputes. The bank gave me {$18.00} of the total {$810.00} that has been fraudulently charged on my account and told me too bad on the {$390.00} that was charged in XXXX and that I should have reported fraud sooner.. If I had I know there was fraud earlier on my account I would have reported it immediately. The bank refuses to refund {$390.00} that was disputed from XX/XX/2023 and I am still waiting on a provisional credit and final credit for the second {$390.00} that was stolen from my account dur to the incompetency of the manager.
|
| 08/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
Sometime in XX/XX/XXXX, I started investing in my XXXX XXXX XXXX ( XXXX ). I wanted to change my life through this business. Since I do not have the funds to invest, XXXX have Seed capital company to help me find funding through credit card applications. One of the bank is from Firth Third Bank. This bank approved me for {$4000.00}. I then use it to pay for my XXXX business expenses on XX/XX/XXXX. There were 2 transaction total was {$3700.00}.
Due to my business was slow with no sales and commission, I could not afford to pay my Fifth Third Bank credit card. I tried paying on XX/XX/XXXX, {$76.00} and requested to have the late fee waived. The bank did it for the one time only. Then months went on, my business still not doing well and in XX/XX/XXXX, myself and other XXXX business owners found out XXXX has been shut down by Federal Trade Commission ( FTC ). There were heavy ongoing investigation and court cases. Theres a case number XXXX on XX/XX/XXXX confirming the FTC have court cases ongoing explaining how XXXX business function especially it is scamming innocent victim like myself.
When that happened I was shocked and completely disbelief the scam from a business I heavily invested in, so I filed a complaint to FTC online on XX/XX/XXXX. My reference number is XXXX.
I did contacted FifthThird Bank to file for dispute due to XXXX scam on XX/XX/XXXX. They told me they will mail out dispute form for me to fill and attach with any supporting documents. Which never arrived. 2 weeks later fifth third bank started to call me daily asking for payments. Without any warning and they continued to call daily including weekends harassing for payment.
In XX/XX/XXXX I received a letter dated XX/XX/XXXX about my dispute were denied even without given any chance to receive any dispute form and file other than received daily calls asking me to pay money. I called the bank to clarify and was told I have been sent to collection agency and can only make payment through them.
Immediately after receiving the letter from XX/XX/XXXX, it seems like I can not have my dispute request and been sent to collection. This has been the worse bank compared to other bigger institutions like XXXX. Which they are very understanding and have been working on my disputes.
I need help with this. FifthThird bank is not giving any mercy for me to help me with my failing business and the credit card dispute from he failing business.
|
| 01/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I inquired into forbearance back in XXXX of XXXX when pandemic started. I called the 53 bank and asked the details about the program. I was told that I can hold of on payments while I am on forbearance. The options going to be to pay off the forbearance amount when I go back to work, put the forbearance amount on the back of the mortgage ( meaning to spread the pay off ) and 3rd option was loan modification. I understood that loan modification would be to reduce the apr rate. In XXXX of XXXX I called the bank to find out if I do qualify for loan modification. I was told that they are not sure how it will work and they will call me. I waited till XXXX of XXXX and called again. After calling numerous times I decided that I need to end this cause I was not getting answers to as how loan modification would work. I called to speak to them to end my forbearance. Finally in XXXX of XXXX I made a full payment of {$9200.00} to end forbearance. After weeks of calling the bank I thought I was finally cleared of forbearance and payments were applied to my account.. I kept paying my mortgage payments on banks website always on first of the month. On XX/XX/XXXX of XXXX, I received a threatening letter from the bank that my loan is in default cause of non payment. They have added almost $ XXXX to my balance and stated that if I dont come up with the amount my house can go into foreclosure. I called the bank immediately to speak to someone. They were not sure why I was on deferral program to pay off balance which I was paying since. It has been almost a month that I have been calling the bank and does not seem anywhere close to resolving the issue. They did take that balance off but added a late payment fee of {$890.00} to my account. I have never been late and their explanation is that I was supposedly late back in XXXX. But those payments were not late cause when they acquired my loan from XXXX bank I did not get the notification and kept paying to XXXX bank. I was on the phone earlier today with loss mitigation department to resolve this matter and no one can answer as to why I was put on deferral program which I did not ask for. I was making payments every month, I hope that CFBP can shed some light into this matter and help me out. I am truly scared that Imit will cost a lot of $ $ to get out of this cause incompetency of the bank. There is no one to speak to that can explain. I hope to hear from you soon
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| 09/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had called into 5/3 bank mortgage services requesting a payoff amount ( {$38000.00} ). I made the payment while I was on the phone with the rep. The payment was setup to be submitted on XXXX. I logged into my account on XXXX and noticed that the entire amount I has sent was titled as unapplied credit. There was nothing applied to even a regular payment I also noticed that the regular monthly payment was still made the day after they received my payoff amount.
I called customer service and was informed that the correct payoff amount was $ XXXXxx.xx and there system did not know what to do with the payment I sent and that is why it was being held in unapplied credit. I asked why I wasn't notified and I was told their system is setup to send out a notification 10 days after unapplied credit is received.
I let them know the reason for the payoff was to lower my debt to income ratio and apply for a loan for an upcoming purchase. Since this wasn't paid off in the time I had anticipated I informed the customer service rep that I would like that money simply sent back to me. I was informed that she would submit a ticket and that a manger would reach out to me in 4 business days to discuss. I asked why that was the solution as they have held my money for a week.
On XX/XX/XXXXI reviewed regulation z and I believe what they are doing is in violation of : 1026 Paragraph 36 ( c ) ( 1 ) ( ii ) When sufficient funds accumulate to cover a periodic payment, as defined in 1026.36 ( c ) ( 1 ) ( i ), they must be treated as a periodic payment received in accordance with 1026.36 ( c ) ( 1 ) ( i ).
5/3 automatically put the whole {$38000.00} into an unapplied credit and a seperate payment had to made after!
I also believe the way this was handled is subject to 36c1 ( iii ) Non-conforming payments. If a servicer specifies in writing requirements for the consumer to follow in making payments, but accepts a payment that does not conform to the requirements, the servicer shall credit the payment as of five days after receipt.
I believe there refusal to credit me back and have me wait over 5 days is in violation of this.
I called back to notify 5/3 of these concerns but was told their procedures again.
I am not sure if my interpretation of reg z is correct but at the very least it doesn't seem like they are acting in good faith holding the funds and not getting back to me until at leastXX/XX/XXXX.. .hopefully.
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| 10/27/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I 've had a checking, savings, pre-paid cards and business checking for 1 year with Fifth Third. I have had issues with the bank the entire time I had an account. The bill pay did n't work correctly and I called several times because the bills did n't get paid on the correct date that the bank GUARANTEED. I received debit cards for the business checking that never worked. One night we were in the bank in the winter, going in and out the branch because they did not have an inside ATM XXXX another disadvantage ) and the representative could not get the cards to work. They sent the cards several times and they never worked, meanwhile, we opened up other accounts elsewhere to service our business needs. We could never utilize the Fifth Third business account as we wanted to. I went in to close the account on XXXX/XXXX/2015 and the representative told me she could NOT close pre-paid cards at all. Also, she suggested I should wait a week so that the business account is 1 year old and I could avoid the {$50.00} fee. I call the XXXX number provided by her to close the pre-paid cards and they say I have to close the cards in the branch. I was very frustrated at this point. I go inside the branch on XXXX/XXXX/15 to close the pre-paids and speak with XXXX and she tells me that she can close the cards. I ask her to close the business and she tells me she can not waive the {$50.00} fee. I explain to her that the other representative told me I had to wait a week and the fee could be waived. She puts the disclosure dated XXXX2015 in my face and say 'you have to pay the fee '. I tell her about the unsatisfactory service with this branch, how we never got to use the account, and how many monthly service fees we have paid that should cover the closing fee. She does n't care, she 's quite arrogant, and refuses to help eventhough her staff mislead me into thinking the fee could be waived. It was not disclosed to me at the time of opening the account there was a closing fee indefinitely.She should have taken into consideration the inconvenience of going back and forth to the branch due to her staff lack of knowledge. I filed a complaint over the phone that night and I called XXXX/XXXX/2015 and there 's no proof of a complaint being filed and the representative states I have to go into the branch to file a complaint ... AGAIN! This branch is totally unprofessional and the manager is not training her staff properly.
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| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX, XXXX fraudulent transactions showed on my credit card account with Fifth Third Bank, transactions I did not make, those transactions sum a total of {$4300.00} dollars, now more because they have been charging interest and fees since then, At that time I informed the bank about them and they initiated an investigation, the result of this investigation resulted in a denial of the claim stating that the card had been used phisically through the XXXX chip on the card and that the technology can't be duplicated by criminals, at the moment and as I did not make those transactions, I filed a complaint with the cfpb, so this is my second complaint, I filed another complaint with the Florida XXXX attorney, and I went to the police where they filled a report about the case, I wrote XXXX letters explaining the bank that they were wrong, I have been in this country for 17 years, never being in a kind of debt I was not able to pay, so my XXXX XXXX was very good since then, affected XXXX points now for this matter, It is totally unfair for a family or any individual with the honesty I was grown up to be quite and not stressful with this situation, Police departments hadn't been any helpful in trying to investigate the matter as It should be, I went to place where transactions were made and the guy who is the only person and owner of the place doesnt want to give any invoice or camera records from that day to know who made those transactions with my identity, someone called the bank using that information to give a false td bank account which I dont have, It is really dissapointing how the finantial system is taking these fraud cases and passing those charges without any further investigation, and affect the finantial system trust of consumers, I am proceding to close the rest of my credit card accounts, because if you can't trust in the system is really risky, this has affected my normal daily life, the quality time I should spend with my daugther and family, nights of bad sleeping just with the worry that I should pay for something I didnt buy, I get up early in the morning every day to take a better life to my family, and with a lot of effort we try to give a better life to our daughter and being scammed in that way is not fair, I ask to Fifth Third Bank to take my XXXX XXXX as it was and inmediatly to take all those fraudulent charges out my account with them and my finiantial history.
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| 12/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
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Web |
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This is in regard to a debit card called access 360 issued by 53rd bank
In XX/XX/2018 i discovered though use of my app that there was money missing from my access 360 card ending in XXXX (this account has been closed), upon contacting the access 360 department i discover there was an unauthorized transaction for $XXXX charge to my card at a XXXX XXXX in XXXX on or around XX/XX/XXXX. I immediately disputed the transaction and was given case number XXXX and a temporary credit off same amount. Weeks later i notice the $XXXX i had on the card was gone and my account was in the negative over a $XXXX, after calling their dispute department i find out they took back the temporary credit as they had ruled in favor of the merchant, and sent me a letter claiming why they made such ruling. After a few weeks had pass and not receiving any such letter so i can re-open the case; i kept calling for said letter to be recent and to this date after escalating the request to resend said letter, i have received no such letter. I went and got a police report to re-open the case but the dispute department keep telling me there is a form to be filled out to re-open the case; in which i requested a copy of this form on several occasions but to this day still haven't gotten any such form either. the last time i called their dispute department i was told to go to the nearest 53rd branch and a copy of form would be faxed to them instead, when i went to the bran and had them called the dispute department; we were told that said form could not be faxed or emailed, it would have to be mailed, an agent at the branch even change my correspondent address to the bank's address so that in case it was a problem with my address then said form could go to the bank and i go pick it up, i called that branch on 3 occasions asking if they had received any such form as yet; but they haven't. i think 53rd bank is a very unorganized bank that probably got my case mixed up or lost; as every time i called i get transferred around in circles. Since then they have closed my accounts for non payments and sent the negative balance to a collection agency; as a result significantly damaging my credit. Also, i received a letter from 53rd bank that there was an unauthorized access of my account by one of their employees; and i am not sure if this could be related to the incident with my access 360 card, i will attach a copy of this letter
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| 01/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a purchase for {$3700.00} on XX/XX/XXXX. I expected to receive the goods purchased on XX/XX/XXXX.
I did not receive the goods I purchased.
I contacted the seller XX/XX/XXXX, XX/XX/XXXX, and XXXX with no response.
I disputed the charge with XXXX on or before XX/XX/XXXX, approximately one month after I was to receive the merchandise.
Fifth Third indicates I did not dispute the charge in time and owe the full amount. The credit card agreement is not clear to me regarding what timeline applies to this situation. I disputed the charge within approximately 30 days of not receiving the merchandise.
Fifth Third did not communicate what actions, if any, they undertook to contact and/or try to recover amounts paid to the seller.
This is the second time this year XXXX XXXX XXXX has adjudicated one of my disputes concluding I owe the amounts. I suspect XXXX is acting in bad faith, failing to adequately review and remedy disputes, rather simply concluding the amount is due.
The other disputed transaction involved receiving merchandise completely different than what I purchased on or about XX/XX/XXXX. I provided clear evidence I did not receive the product I purchased. Not the same shape. Not the same manufacturer. The only similarly was color. This was abundantly clear from the evidence provided to XXXX. Astonishingly, I received a letter from XXXX concluding the purchase was valid and I owed the {$4000.00}. It was back on my credit card statement XX/XX/XXXX. I looked at the evidence upon which XXXX made their determination and pointed out that the seller clearly altered the invoice as it contained an XXXX date. XXXX replied we have not received any information that indicates that our determination was in error or that we should re-open our investigation. You would think pointing out that the seller fraudulently altered documentation, by providing my copy of the invoice which is clearly different, XXXX would have reached a different conclusion. But their goal isnt to carry out the inquiry in good faith, rather just get the customer to pay and move on.
These two charges combined represent a significant sum for the average consumer. Nearly XXXX XXXX. XXXX dispute team is not investigating these disputes in good faith and adjudicating them honestly. I would greatly appreciate the CFPB oversight to hold XXXX accountable to conducting their credit card business in good faith.
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| 09/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have a loan through 5/3 Bank on a XXXX XXXX XXXX. This vehicle was stolen from my place of employment on XX/XX/XXXX at approximately XXXX. Security cameras at my job verified the theft and the XXXX XXXX Police Department have deemed this a total loss due to inability to locate said vehicle. I spoke with 5/3 Bank on several occasions at the beginning of this process to make them aware that the vehicle was stolen, I was initially told by a 5/3 representative that they would defer/halt the loan and payment due XX/XX/XXXX if the vehicle had not been recovered. I have spoken with them numerous times trying to keep them updated on insurance and the claims process. On XX/XX/XXXX I made contact again with 5/3 Bank, explaining insurance had deemed this a total loss and asked them to defer the payment due XX/XX/XXXX to the back of the loan, in order to allow insurance to finish processing the claim and provide further information. After speaking with 4 representatives I was told they would not assist me and they could not defer my payment because the excuse of a stolen vehicle was not sufficient. The same day XX/XX/XXXX, our insurance adjuster XXXX XXXX with XXXX XXXX XXXX sent 5/3 Bank 's total loss department an email confirming the total loss and pending paperwork. Today, XX/XX/XXXX 5/3 Bank has begun harassing me by calling several times an hour to receive said payment. 5/3 Bank confirmed they received the email from our insurance and still have refused to assist us, claiming our stolen vehicle is not a valid enough hardship to defer a payment. They have not only harassed me via telephone, 5/3 Bank has also told me I know owe them 3x the monthly payment of {$590.00}. This has been a very challenging time for my family as I have struggled to make it back and forth to work without a vehicle while waiting for this process to be resolved. I have made every effort to communicate, provide information and paperwork to this bank. The result has been being treated like a second class citizen to a bank that I have NEVER missed a payment with, being spoken to in a condescending and insulting manner by 5/3 Banks total loss and hardships department, and finally now being harassed. I communicated appropriately about this situation from the beginning and feel this bank needs to be penalized for their unprofessional behavior, like they have penalized me, my family, and my credit, during this hardship.
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| 12/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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When we first got our loan from 5/3 bank, things were good. Until we got our tax bill from XXXX XXXX the following year. Apparently out taxes were not being paid by our mortgage company, even though we had an escrow account. After talking to 5/3 at length about the issue, they then paid the taxes, late fees and all. This is important to note since after talking to XXXX XXXX, they said had they not paid it right away, they could have reduced the late fees. This essentially cost us thousands of dollars. This shocked me because instead of our mortgage company going to XXXX XXXX and trying to reduce these fees, they were more interested in causing us more hardship. The really messed up part is that they rolled those late fees, which were all because of them into our escrow shortfall. Now maybe that is my own fault for not arguing with them to get that fixed at the time, but I did n't think that they were looking to essentially take advantage of us. I actually trusted them. Now here we are 1 year later and we get another increased bill because 5/3 did n't question the tax bill. While I understand that if they get a bill from the city/county they have to pay it, but it was pretty obvious to me at one glance that when my summer taxes doubled, that there was a mistake by the county/city. So instead of a mortgage company looking out for it 's clients, all they did was take advantage of the situation. They raised our bill and to compensate for the shortage. I have since called the county/city and they have stated that it was an obvious error and had they been alerted to it earlier, they could have corrected it before the payment was submitted. They sent it to the board and have revised the taxes. I have sent this information to 5/3 and they said that they will not correct the issue until they talk to the county, which is funny that if they had done that in the first place none of this would have happened in the first place. So now they want me to pay the increased bill even though we ca n't afford it and they are threatening us to make the payment. I have explained that as soon as we get this check from the county/city, we will make our payment. It has become clear to me that this company is all about getting more money from their clients then they are about actually take care of their clients. They have taken advantage of us and done nothing but done so unethically and negligently.
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| 05/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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I paid off my car loan with Fifth Third Bank back in XXXX. As of today, XX/XX/XXXX, I have yet to receive a title.
When I realized a few years ago I was not in procession of a title, I called Fifth Third Bank to ask about it. The notified me the release was sent to the DMV and I could request a duplicate title, so thats exactly what I did. In XX/XX/XXXX, I sent in the CA DMV form requesting a duplicate title along with the {$22.00} fee. CA DMV returned the form and check notifying me the lien had not been released by Fifth Third.
I then called Fifth Third Bank notifying them of the problem, and they said the release was sent to Virginia, where the vehicle was previously registered from XX/XX/XXXX XX/XX/XXXX and to contact Virginia. I called the Virginia DMV, and they had no record of the release either.
I became frustrated and let it go until early XX/XX/XXXX. I called Fifth Third Bank again, explained the prior scenarios and they said a state-to-state transfer from VA to CA must be completed with their third party title provider. I was transferred to this third party, and the third party notified me the release was sent to Connecticut where the vehicle was registered from date of purchase in XX/XX/XXXX to XX/XX/XXXX and to contact CT for the title. I then called the CT DMV ; they did not have record of the release either. After calling the CT DMV, I tried the VA DMV again to double check if they had record of anything, and still nothing. The VA DMV said they needed to receive a release from the bank to issue a title. I called Fifth Third Bank again, and a gentleman told me he would re-submit a release to VA and I should give it 10 business days to get a title from VA. I confirmed VA had my current address, but have not received the title as of today, XX/XX/XXXX.
I called back Fifth Third bank XX/XX/XXXX where I explained the scenario and told them I just need a title from somewhere to sell my vehicle in the next 30 days. Fifth Third again referred me to their third party, the third party refereed me to CT, and back to Fifth Third again when I told them CT had no record of the release. I am going in circles with Fifth Third Bank. Fifth Third should have record the car was registered in CA since XX/XX/XXXX, notified CA the loan was paid in full and to release the title to me in XXXX. I need to sell my vehicle by mid-XX/XX/XXXX and can not do so without a title.
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| 11/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
Older American |
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My last hardship application filed in XX/XX/XXXXXXXX expired because I was unable to get my ex-wife to sign the application ; So on XX/XX/XXXX, I submitted another hardship application seeking mortgage hardship assistance.
Meanwhile, I received a letter in the mail from 53 postmarked XX/XX/XXXXXXXX stating that 53 will only remove my ex-wife from the primary mortgage and the equity flex line 2nd mortgage if I refinance at today 's significantly higher interest rates. Fifth Third points out that...
" Spouses ( XXXX XXXX, the husband ) who do not want to be included in the application process or listed on the Note or obligation to repay the debt, are required to sign the mortgage on the property, as well as a few other closing documents. As her spouse, you were required to sign the mortgage, the Waiver of Borrower 's Rights Rider, and the Notice of Right to Cancel at loan origination. As you signed these specific documents, we are able to provide you with copies. HOWEVER, WE ARE UNABLE TO PROVIDE YOU WITH ANY INFORMATION REGARDING THE EQUITY FLEXLINE. AS YOU ARE NOT A SIGNER OF THE NOTE ''.
The issue here is that the equity flex line of credit 2nd mortgage is not in my name but I am willing to take responsibility for it if 53 removes her name from the loan and the primary mortgage.
I should not be put in a position to have my home foreclosed on due to the flex line of credit ( that is not in my name ) delinquency that I could have refinanced during the 10 months it took 53 to let me know the status of my hardship application, which ironically resulted in a higher equity flex line payment. It makes no sense that I should have to refinance at the higher interest rates that exist in today 's market when I had the opportunity to refinance ( in order to remove my ex-wife 's name from the primary mortgage & the flex line of credit ) when rates were lower, but as a tradeoff, I waited for the status/results of the hardship application.
It appears that Fifth Third deliberately refuses to acknowledge their negligence and exercise their duty of care to me as a customer.
According to XXXX... There are two ways to remove an ex-spouse from a loan : Release and refinance... A lender may release the ex-spouse from the loan. If presented with a divorce decree and a quitclaim deed, many lenders will remove the ex-spouse and leave the loan in the name of one spouse only.
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| 06/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
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This isnt exactly the category I selected but its the closest I could find. My fifth third bank account was hacked. The address and phone number on file were changed as well as the online banking password. This is a secondary checking account that I rarely use so I dont check it often. When I realized I couldnt login on XX/XX/22 I spent hours reaching out to fifth third, dealing with rude representatives and got the run around because I didnt have the phone and address on file, because it had been hacked and changed. I was finally advised that I had to go to a branch which was extremely inconvenient because fifth third is not prominent in North Carolina and its not close to reach a branch. I visited a branch and was able to review the transactions on my account. There was a {$10.00} XXXX transaction made on XX/XX/22, I have never used XXXX in my life. Later there was a mobile deposit of {$1400.00} on XX/XX/22 that I did not make and a check copy was not provided to me. Following that there was a XXXX transaction of {$400.00} and {$600.00} on XX/XX/22 as well. As stated, this is not my XXXX account nor my activity. On XX/XX/22 the check for {$1400.00} was returned and noted as fraud on the statement. This over-drafted the bank account resulting in several fees and rejected payments for reoccurring transactions. I received a letter dated XX/XX/22 that the dispute for {$1000.00} has been denied because they feel the transactions were valid.
I am on XXXX as my only source of income. In XXXX, I had no access to my funds because they were used to cover the overdraft amount and now I will not be able to recoup any of that money. They will not assist in getting me access to my online banking so I am still in the dark as to whether or not additional fees are being added to the account as its likely still in the negative since they are denying my claim.
On XX/XX/22 I filed a complaint with the XXXX and the dispute was reopened with Fifth Third. I spoke with a representative who confirmed that I was a victim of account takeover. He was able to access that the transactions were made in XXXX ( Again I live in XXXX, NC ) and also that several logins were done on a XXXX device, I have XXXX XXXX XXXX. I am sure this conversation can be confirmed as these calls are allegedly all recorded. I received correspondence today that the fraudulent activity has once again been denied.
|
| 04/21/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I'm writing in regards to a {$580.00} withdrawal from my bank account by Fifth Third Bank due to an unsuccessful cash deposit resulting in a denied dispute. The initial deposit was made at the Fifth Third Bank ATM located at XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/2020.
Upon depositing the cash, I was given an error message and the money was not returned. The ATM requested I put in the amount deposited, so I inputted the {$580.00}. Next, a receipt was printed out that stated to take the receipt into the branch. I then attempted to take the receipt into the branch, however, that branch is no longer in operation.
I then took the receipt to the Fifth Third branch located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. They referred me to Fifth Thirds dispute department, which is when I called and filed a dispute.
When I filed the dispute on XX/XX/2020, the {$580.00} was immediately credited back to my account.
On XX/XX/2020, I went to use my card for a purchase and it was denied. Upon investigation, I learned that Fifth Third Bank denied my dispute and did a {$580.00} withdrawal on my count. This left me with absolutely no funds in the midst of a crisis.
I then called the disputes department, where I learned that the case was denied because apparently that ATM is showing it is balanced. I spoke with dispute personnel, and a supervisor. All of which told me they apologize for the inconvenience, but all they can do is reopen the case. Absolutely no empathy, ability, or willingness to release my funds until the dispute is resolved, up to 30 days. I was left with literally no food, gas, or bill money to my name for an entire week, due to Fifth Third Banks error.
Per the dispute departments request, I then emailed over a letter of intent to dispute. After one week of not hearing anything and a 30 minute hold time, I find out from the dispute team that the email was never received. Mind you I sent it to the exact email address provided with the case number in the subject as directed. I have now resent the intent to dispute.
I am beside myself with the lack of accuracy from this company. There was an error with their ATM, an error with their reporting, and now an error with them receiving an email in the format and using the email address I was told to use. At this point, I need Fifth Third to step up, get their ducks in a row, and get me my money back immediately.
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| 10/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
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Web |
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MY ISSUE IS WITH FIFTH THIRD BANK. AND HAVE TWO ISSUES. THE FIRST IS, THAT MY ACCOUNT IS OVERDRAWN FROM A PURCHASE OF {$150.00}. I WAS IN A BAD CAR ACCIDENT AND CANT PAY THIS BILL NOW TO THE BANK, AND I TOLD THEM TO CLOSE THE ACCOUNT OUT AND THAT I WILL MAKE MONTHLY PAYMENTS TO THEM. THEY SAID THEY WILL NEVER CLOSE THE ACCOUNT OUT AND WILL KEEP ACCRUING CHARGES AND I WILL HAVE TO CONTINUE TO PAY A MONTHLY CHECKING ACCT FEE OF {$11.00} PER MONTH. THIS HAPENED IN XXXX AND THEY CHARGED ME WITH A {$34.00}. XXXX OVER DRAFT FEE, AND {$11.00} MONTHLY BANKING FEE, SINCE I WONT HAVE MY XXXX XXXX CHECK IN THEIR ACCOUNT ANYMORE, AND I REFUSE TO EVER BANK WITH THEM, REGARDING ISSUES A FEW MONTHS A GO, WHERE THEY PAID A PAYMENT FOR ME, WITHOUT MY PERMISSION. SO, I WAS CHARGED A TOTAL OF {$190.00}. I THEN GOT A LETTER, XXXX XXXX FOR A BILL OF {$190.00}, AND THEN, XXXX XXXX FOR {$190.00}. AND THEN XXXX XXXX THE BILL IS NOW {$200.00}, AND THEY KEEP ADDING FEES AND CHARGES. I WANT THEM TO STOP ADDING CHARGES AND TO CLOSE MY ACCOUNT IMMEDIATELY AS I HAD ASKED THEM IN XXXX WHEN THIS ORIGINALLY ALL HAPPENED. I HAD A SIMILAR ISSUE WITH A DIFFERENT BANK AT XXXX, DUE TO OVERDRAFT FEES A FEW YEARS A GO, DUE TO MY VET NOT HOLDING A CHECK I WROTE TO THEM UNTIL I GOT MY XXXX CHECK, AND IT BOUNCED MANY CHECKS, ACCRUING TO {$300.00}, YET, XXXX BANK, CLOSED THE ACCOUNT IMMEDIATELY, AND TURNED IT OVER TO THE, CREDIT BUREAU. I FEEL LIKE THIS IS THE BEST SOLUTION FOR THIS MATTER, AND INSTEAD OF MAKING AN, {$11.00} MONTHLY FEE FOR A CHECKING ACCOUNT WITH NO MONEY IN IT, IS TO CLOSE IT, AND I CAN PAY THEM THAT {$11.00} A MONTH TOWARDS THE BILL, AS THATS THE MOST I CAN AFFORD, IF THEY DONT, THEN THEIR BILL WILL NEVER BE PAID TO THEM RE, THE {$150.00} AND OVER DRAFT FEE, SINCE I GET {$690.00} PER MONTH TO LIVE ON FROM, XXXX XXXX WHICH IS HARD, AND NOW I GOT WRECKED INTO, MY CAR WAS TOTALED, AND MY CAR IS ONLY WORTH, {$1200.00}, SO I WILL BE USING A TAXI, WHICH IS EXPENSIVE, AND I CANT BUY A CAR NOW FOR {$1200.00}, SO I HAVE MAJOR MONEY PROBLEMS AND HEALTH ISSUES AND INJURIES FROM THIS CAR ACCIDENT. PLEASE HELP ME WITH THIS MATTER, AND HAVE THEM CLOSE OUT MY ACCOUNT, SO I CAN START PAYING THEM {$11.00} PER MONTH TO PAY THIS OFF, INSTEAD OF THEM CHARGING ME EVERY MONTH FOR AN EMPTY ACCOUNT, WHICH I HAVE HAD TOO MANY UNETHICAL THINGS DONE TO ME VIA FIFTH THIRD BANK, AND IT HAS BEEN FRUSTRATING. THANKS
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| 12/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I submitted complaint # XXXX-XXXX to your agency. Please refer to that complaint for history leading up to the closed date of XX/XX/XXXX with reference to the response to my complaint received from Fifth Third Bank XX/XX/XXXX.
In the letter dated XX/XX/XXXX after a very significant amount of time Fifth Third Bank admitted the errors made within their institution and assured me the resolution was complete and if I concede and accept the resolution to pay {$5400.00} by XX/XX/XXXX all late fees, and ALL LATE PAYMENTS BEGINNING IN XX/XX/XXXX AND THE CHARGE OFF REPORTED TO CREDIT BUREAUS REPORTED IN XX/XX/XXXX WOULD BE REMOVED UPON RECEIPT OF THE PAYMENT.
I called the proper department named in the letter prior to XX/XX/XXXX to pay the amount due only to learn that they were not able to locate XXXX XXXX ( represents the office of the president department ) and therefore could not accept the payment??? I tried back the following day and after 61. Mins 54 seconds I was finally able to pay via ACH DEBIT.
I placed multiple calls to the department named above XXXX specifically where I left 4 voicemails from XX/XX/XXXX in order to follow up with the removal of derogatory statements on my credit reporting. To receive a voicemail from XXXX XXXX XXXX at XXXX XXXX telling me that I now need to make an additional 3 payments prior to XX/XX/XXXX ( statement dates not specified ) instructing me to pay an additional XXXX x 3 by XX/XX/XXXX. Upon receipt of 3 MORE PAYMENTS THEN SHE COULD REMOVE DEROGATORY STATEMENTS ON MY CREDIT REPORT. I paid XXXX XXXX UP UNTIL XX/XX/XXXX an automatic payment every month until this loan transition to FIFTH THIRD. FIFTH THIRD WAS PAID XXXX TO XXXX AND XXXX PAYMENT TO BE WITHDRAWN THE XXXX THE SAME DAY FOR YEARS. At this time my previous complaint is not closed its open with no resolution completed. All I received were words NO ACTION. They have had many month to sort through this issue as it was brought to their attention 3 times per month for 6 months. NONE OF WHAT WAS PROMISED BY FIFTH THIRD BANK WAS COMPLETED WITH THE CREDIT BUREAUS.
I AM IN THE SAME POSITION AS I WAS XX/XX/XXXX FIGHTING WITH A COMPLETELY DISORGANIZED MALFUNCTIONING INSTITUTION THAT CLEARLY HAD NO BUSINESS TAKING ON THIS MERGER. AGAIN I AM THE INNOCENT VICTIM WITH DESTROYED CREDIT AS A BUSINESS OWNER IT MAKES MY STRUGGLE EVEN HARDER.
PLEASE HELP ME XXXX
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| 08/12/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Deposits or withdrawals
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|
Web |
Older American, Servicemember |
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I have previously filed with CFPB. The file was closed based on the company 's response which I feel is inadequate. When I spoke to the lady that called from the Office of the President of the bank she asked for my mother 's social security number. She put the number in her computer and said that they have no record of her. She said that they only keep records for so long and then they are escheated. I have already checked with the Ohio unclaimed funds and there are no funds listed for my mother.
This is the information as I provided it in my original complaint along with my feedback upon receiving the company 's response.
>>>My mother had a IRA Certificate of Deposit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio. ( XXXX XXXX XXXX XXXX XXXX ) ( Account XXXX XXXX ) She passed away some time ago and I am having trouble locating the whereabouts of her now matured CD. Can you help me? I filed a complaint through the FDIC and they sent it on to you. Your file number is XXXX which is now closed based on the company 's response which I feel is insufficient.The company that held the account after they acquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio is Fifth Third Bank in XXXX, Ohio. The bank Presidents ' secretary contacted me and entered my mother 's Social Security number into her computer. She said that they have no record of my mother 's accounts. This IRA CD that I am looking for was opened in XXXX and did not mature until XXXX. When my mother passed away in XXXX that IRA CD was still listed in her assets so I know that she did not cash it in. My sister and I have searched our records and we do not have any information to support that we cashed it in. Including tax records fro XXXX until now. I want a further search of their records to find that account. Surely they have micro fiche from that time period! That is too much money, {$17000.00} + to let just slip away!!! <<< Further, I still have the letter that we sent to XXXX XXXX XXXX on XXXX XX/XX/XXXX that referenced my mother 's passing and our intent to deplete the account by XX/XX/XXXX. That letter had our full names and addresses and was signature certified. We were never contacted regarding anything about the account. Again - I want a further search of their records to find that account. Surely they have micro fiche from that time period! That is too much money, {$17000.00} + to let just slip away!!!
|
| 12/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
Older American |
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In XXXX, we built a new home in XXXX XXXX, IL, took out a ARM with Fifth Third Bank in the amount of {>= $1,000,000}.
In XXXX, as interest rates dropped from 6.25 % to 4.5 %, we tried to refinance with the bank, but despite excellent credit scores and income, were denied because the value of the house had declined to a point where we didn't qualify to refinance.
Between XXXX and XXXX, XXXX, we tried 7 times to refinance ( including a request for loan modification ) with Fifth Third Bank, and were denied each time due to valuation of the house.
In XXXX, XXXX, having been unable to refinance with the bank, we decided our only option at our ages ( XXXX ) was to sell the house since we could not afford to keep it in retirement.
After 7 months on the market, a buyer signed a contract to purchase our house at a price below what we owe 5th 3rd Bank. Since we do not have the funds to pay the difference, we submitted a request to 5th 3rd to approve a short-sale.
The bank, under the guidelines set forth by CFPB, sent us a retention option plan of action that would start in XXXX, XXXX. However, given our age and desired to retire, we notified the bank that after seven years of being unable to refinance, selling the house was the only option, and that the terms of the retention option were not ones we could afford in retirement.
Unfortunately, we were told today by the bank that under the rules of the CFPB, the bank can not move forward on the short-sale purchase until it has gone through all of the potential retention options even though we, as the owner, want to bypass those options and proceed with the sale of the house. It said we could not " opt out '' of the retention option offer.
Since the process involved with the proposed retention option would take 3 to 4 months to go through, we have the major risk of the buyer walking away, and being back at square one with no buyer for our house.
We are requesting that the CFPB allow 5th 3rd Bank to bypass the retention option it has laid out, and proceed directly to the short-sale offer from the buyer so that we can get the sale of our house done much sooner.
Please advise whether this is something the CFPB can do for us. If the buyer walks away, our only option in the absence of a second buyer coming forward with a price higher than what we owe, would be to have the house go into foreclosure.
Thank you very much.
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| 01/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
Servicemember |
|
In early XX/XX/XXXX I received a bonus offer for {$550.00} from Fifth Third bank with a unique offer code. The offer required me to wait XXXX if I had a previous account with Fifth Third bank in order to qualify. The account I had with Fifth Third bank was previously closed on XXXX XXXX XXXX, so to meet the time requirement I had to wait until after that date in order to qualify.
On XXXX XXXX XXXX having met the XXXX requirement I opened a new checking account in order to qualify for the {$550.00} bonus offer. The time difference between XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXXs excluding the end date, or XXXX XXXX XXXX days excluding the end date.
I signed up for the bonus offer and a document titled " {$550.00} with {$3000.00} XXXX Checking Offer '' was created during the signup process. In order to qualify for the bonus I was required to " make direct deposits totaling {$3000.00} or more within 90 days of account opening ''.
Fifth Third bank defines a direct deposit as follows : " A qualifying Direct Deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension, or government payments ( such as Social Security ). '' I made XXXX XXXX deposits as stated on the qualification requirements in excess of {$3000.00} each time. Since the deposit requirement states " may include '' it does not define that deposits had to originate exclusively from those sources. The cash bonus was to be deposited to my checking account within XXXX business days after making the {$3000.00} XXXX deposits.
Fifth Third bank failed to post the bonus as stated on the terms. I contacted my personal banker XXXX, and I informed him about not getting the bonus in the time specified. XXXX stated that he was going on vacation and would have someone else look into this matter. That person never followed up on this issue.
When XXXX returned from vacation he called to update me on this matter. This time XXXX requested the documentation I received for the bonus offer. I emailed that information to XXXX. A week goes by, and I call XXXX for a status update, and someone else answers the phone informing me that XXXX no longer works at Fifth Third bank. That person stated that someone else would contact me. I have yet to hear back from anyone regarding this matter. I feel like I'm getting the run around and that this matter is not being addressed.
|
| 05/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I made a charge {$10000.00} on my Fith Third Bank card. Then again on XX/XX/XXXX a charge of {$5000.00} totally {$15000.00}. I made the purchases with XXXX with the understanding that if i did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back, they will continue to work with me until I have achieved this. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices.
Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted XXXX XXXX customer service no less than 4 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where a dispute case was opened. The requested information and additional information supporting my situation was submitted via mail. I recieved two letters via postal mail dated XX/XX/XXXX requesting more information and another dated XX/XX/XXXX a denial to the resolution. I followed up with another call on XX/XX/XXXX to check on my status and spoke with XXXX. She asked for additional information to be sent. I emailed and mailed the requested information again. On XX/XX/XXXX another denial letter was sent. AS it turns out, more information was needed. Fith Third will deny and close the case immediately after sending a letter for further infomation and will only reopen the case if the consumer calls in to find out why?
My call to Fifth Third to the second denial was on XX/XX/XXXX. I spoke with XXXX who connected me with XXXX in the Denial Department. XXXX said yet again, more information was needed. I asked how would I have know further information was needed if it's not on the letter? Her reply was " You don't. You will have to call in and ask. '' This company made the disputing process very difficult for the consumer as they only correspond via USPS. Plus the constant " false '' denial letters are distressing as that may be thier goal. Whatever thier culture is, it is not to be on the consumer 's side. I still have yet to hear back.
|
| 10/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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I have been in contact with the CFPB before with XXXX XXXX. He was very helpful and told me that he understood where I was coming from in my situation he then reformed my dispute claim as the bank put a bunch of charges I did not authorize them to put on my claim they claim that from their phone call I did however they refused to let me listen to that phone call. I was told by one of their agents and XXXX that my case was reviewed and switched to only three charges and which those are the ones I only wanted it on there from the beginning I have three charges two of which I got a fraud text message from Fifth Third themselves Which says is this fraud and I answered yes. I also have another charge from an XXXX supermarket right across from this location of this charge which is in a very terrible neighborhood of XXXX far from my house which is also not consistent with any of my spending patterns. Fifth third bank and XXXX confirmed that my claim was down to three charges now and will only be reviewed for those three however they decided without even telling me that they are going to stick with the original dispute based off the phone call which they still will not let me listen to even though I have proof from them that says They detected fraud and I agreed it was fraud when the charges were made and they still allowed the card to be active after I said it was fraud. I have the text message I will attach I also have a police report and XXXX gave me the locations of the charges which show they are in an area where I have never spent money before and are not consistent with my spending patterns. I am on the verge of taking them to court because I can not believe the amount of times they have lied to me they refuse to review my details that I have sent them which show that they detected fraud and I confirmed it was fraud just based off a phone call that I made originally that they claim I authorized all those charges however I never did and they refuse to let me listen. This is my last straw before I take them to court with my sufficient evidence because there is no arguing a text message from them that asks Me if it was fraud and me confirming that it was. I was also lied to by one of the representatives when I had called and asked them to confirm that it was just three charges on the new dispute and she confirmed however they still went with the old dispute.
|
| 09/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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This is has been the most horrible experience with a company I have ever dealt with before. I had an auto loan through Fifth Third Bank and back in XXXX we sold the vehicle on the XXXX. The monthly payment was not due until the XXXX but we were no longer responsible for this payment as we no longer owned the vehicle. I called them the very next day ( the XXXX ) and let them know what happened and asked for a hold to be placed on the account and that we no longer owned the vehicle and the dealership was getting the payoff check in the mail. I was confirmed that it was placed on hold and we would not be sent to collections.. I was called by them on the ( XXXX ) saying that we were 30 days late and were being sent to collections for delinquency. I tried calling numerous times to be transferred at least 10 times because no one would talk to me about the situation. A month later I finally spoke to someone who was slightly willing to help. I asked why it was 30 days late and why I was given absolutely no grace period before being sent to collections. None of it made sense. I was then told I apparently missed a payment in XXXX but this was the first time I was ever hearing of this. I have never missed a payment and have ALWAYS made my payments on time. I then went to get proof of all documentation showing where the vehicle was sold on the XXXX, the payoff check, and proof of the missed payment from my bank statement. I even went back to the dealership to see if they could help provide this information and they informed me that they no longer use this company as an option of financing because of situations like this. It is now 3 months later and they have done nothing to resolve this issue that has completely ruined my credit when I was not at fault. On XX/XX/XXXX I called back to check on a dispute and was informed they got the dates mixed up and denied to fix it. So again, I spoke with a lady named XXXX who informed me of this and she told me she would put the request in again and correct the date so that it would get reported correctly to the credit bureaus. She told me it would be 5 business days for them to make a decision. I called back today ( the XXXX ) and was then told it would be 30 days. This is absolutely ridiculous. Not only are they not reporting my credit accurately but they also cant get their facts straight.. Fifth Third Bank.. do better.
|
| 06/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
|
Due to XXXX, we were unable to make our payment. We called our Mortgage Company, Fifth Third Bank, and they notified us that we could utilize Federal Covid Hardship Assistance where the payments would simply be but on the rear-end of the loan at the end of the Hardship Assistance Program . I was relieved, however, we did extend the program as my Husband still wasn't employed. When we were ready to start making payments again, Fifth Third Bank had made it impossible for us to get off this program and had told us multiple reasons ... -we had to re-qualify for the loan -we had to submit an application and Bank Statements along with numerous other documents I submitted Everything they asked for, and Every time I called, I got a different answer from someone. After months of back and forth, they said they hadn't received anything through their XXXX XXXX XXXX? I finally contacted an Attorney through Colorado XXXX XXXX who informed me he couldn't help me until the loan actually went into Foreclosure? I have been terrified of loosing my home!
I could not get Fifth Third Bank to call me back or help me *until the Emergency Hardship Assistance Ended!
Now they call me daily?
All the information I have seen about this Program said that NO FURTHER INFORMATION WAS NEEDED TO END IT!
It says : " There will be no additional fees, penalties, or additional interest ( beyond scheduled amounts ) added to your account, and you do not need to submit additional documentation to qualify. You can simply tell your servicer that you have a Pandemic-related financial hardship. '' YET, NOW, THERE IS NO WAY I WILL FINANCIALLY QUALIFY FOR MY LOAN! I have been very ill for the last 3 years, yet they do not want medical information? They have also racked up late fees, etc. My loan originated at {$200000.00}. It is now OVER {$250000.00} because of this program that was supposed to help me. They said my home is now in foreclosure. Something is just NOT RIGHT!!! I realize this hardship assistance program has ended, however, I have been trying to get off it since XX/XX/2021! Please help!!!
I am XXXX and also need help doing what they are asking. I have been having a very difficult time with understanding, compression, using my cell phone, with memory. This is all documented in my medical records.
My Attorney was XXXX with Colorado Legal Services, who was no help at all!
|
| 11/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
There is too much to write here about all the problems Ive had with fifth third bank so Im going with the most recent issue thats been the most troubling now. They are gaslighting me so hard. I have always been able to make payments online and the last couple of months I had not been able to do that because my account would not work and just told me to call in. I thought that was really weird so I tried for XXXX months at various times to reach in at different numbers as well. I finally got through after hours and talked with A guy who let me know that because my account was past due thats why they locked me out of my online account to make me call in My account was past due because I could not get in. So youll see my issue with that. Anyways he said after I make this payment to be up to date, which I gave him my information and it is posted, that my account would be unlocked and I would be able to make payments online again. That has not been the case and now I am past due this month again and I have been trying to get a hold of fifth third again at various numbers. Ive ive tried attempted contact at the XXXX main numbers of the social media and the number that is given on the online help when you cant login. Honestly Ive called these numbers back to back A ridiculous amount these last few days especially just show that I am trying so hard to just get in contact with these people. When I talked to the gentleman that I did get a hold of earlier mentioned he said that they had a total over XXXX contacts attempts for me. That is so false and I dont understand how theyre getting away with it. They have all my information correct as we went over. So I just want to be able to make my payments. They always claim on their canned responses on XXXX about security and stuff like that. I can understand that if I was taking money out or anything else but Im literally just trying to make payments it honestly feels like they just do this so they can get more late fees and more money. My track record is not been perfect and Im not trying to hide that but to be ignored and gaslit to this degree is astounding. Please help me. I just want them to unlock my online account. It was not perfect and I had my issues with it as well but at least I could see where I stood and monitor it without having to rely on someone answering the phone which never happens now.
|
| 08/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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|
Upon the refinancing of my existing loan in XX/XX/2021, which Fifth Third Bank was servicing, I had new payments beginning in XX/XX/2021 under the new loan terms ; Fifth Third Bank is also servicing my new debt. Included in my monthly payment is PMI in the amount of {$55.00}. After the XX/XX/2021 payment, the LTV on my loan became 79.9589 % and the loan documents allow me to request removal of it. As such, I reached out to Fifth Third Bank on XX/XX/2021 to begin the process of removing the PMI. First I was told I can't cancel PMI because Fifth Third Bank was incorrectly quoting information from my old loan ( the loan prior to the one I refinanced XX/XX/2021 ). Then once that issue got settled in mid- to-late XXXX, I was told that an appraisal will be performed at my property, at no expense to me, in order to determine the proper market value. I can't recall the exact date but it was supposed to occur in early XXXX. Shortly after that in XXXX, I was contacted by another representative of Fifth Third Bank that said I had to make another written request to have it removed and that an appraisal was no longer needed. After trying to rectify the issue over the phone with no success, I reluctantly submitted another written request on XX/XX/XXXX to have the PMI removed. Since that time I have not heard anything from Fifth Third Bank and I've already received my XXXX mortgage invoice and it still lists the PMI. So here I am today, 5 months after my initial request and there has been absolutely zero movement in the removal process. This has arguably cost my family and I about {$250.00} ( and counting ). To say that this is beyond frustrating is an understatement ( quite frankly, I just don't have the time to document, step-by-step their ineptitude ) and the customer service provided up until now has been awful. I have all the loan documents and am well versed in this field. There is no reason why this PMI shouldn't be removed and I'm so fed up at this point which is why I'm reaching out to the Consumer Financial Protection Bureau. Fortunately, I work in a field similar to the service that Fifth Third Bank provides to it clients but for those individuals without a background like me, they are extremely vulnerable and mislead by this company ; likely resulting in families paying additional monies to Fifth Third Bank due to their poor performance.
|
| 02/12/2016 |
Yes |
|
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|
Web |
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My wife and I were offered a 0 % transfer from a local 5/3 branch on a credit card. ( I was a small business owner in 2010 and put a large amount on credit cards trying to save my company. I just want to clarify that we did not rack up this debt by spending irresponsibly ) When XXXX ( my Wife ) spoke with the representative we were told that we would be expected to pay XXXX a month in minimum payment, which we were both fine with, as we are trying to pay off this debt as quickly as possible.
Coincidentally XXXX was the first month that we went on vacation in 3 years, putting us in XXXX when payment was due. XXXX called our bank and had our " minimum payment '' plus an extra {$50.00} totaling {$350.00} applied to that card, but the bank put this money on the wrong account, causing us to default on the card, which they froze. We called to clear up the issue and have the funds put in to the correct account, but we were still left in default. This immediately changed our 0 % loan, in to a card with a substantial penalty PLUS interest.
XXXX has been trying to clear this up with our local branch for over a month and I finally stepped in 2 days ago to see if I could figure out what is happening.
during my multiple conversations with the payment research team ( who were very disrespectful and taunting ) I found out that in their system, any payment less than {$640.00} a month was considered delinquent. which means that since we received our card, we have been delinquent. 5/3 never informed us of this and the only reason we found out was when we were in the process of pre approval to buy a home, at which point our lender informed us that this card and 5/3 not only have dropped my credit score XXXX points in the last 3 months, but that we were now considered credit risks and no longer able to borrow from anyone unless this is cleared up. I also imagine that our credit rating is also going to spiral downward unless I pay {$650.00} ( plus back fees ) a month plus interest for the next 3 years to these crooks. Since my credit rating is now in the gutter, and no bank would loan me money to get out of this hole that 5/3 dug for us and shoved us in to.
We will attach files of correspondence and bills with our minimum payment due.
Through this whole ordeal the people at 5/3 corporate have been difficult and uncooperative, bordering on insulting.
|
| 06/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
XX/XX/XXXX XXXX XXXX XXXX Declined XXXX cash advance from Fifththird bank XXXX Ohio. I called Fifththird and asked was there a issue, Service rep stated no issues for mortgage deposit.i told her I don't have mortgage with XXXX XXXX XXXX I just need XXXX. Then Fifththird bank says I need to deposit when XXXX ; was already in the express. Then Fifththird says I no longer can do advance. I told her Fifththird bank not in Texas and I just need pay rent. Ithe Rep said no then I went to ATM withdrawal limit I was told XXXX. I told her this is new since I opened acct because of travel. She said only XXXX ; but she could increase the amount only XXXX hrs. I told her no why did XXXX change the amount she said it's always been that.bshe said open another acct for advance I told her no that's not what I agreed to when I first got express checking for my church. Then XX/XX/XXXX the girl said in XXXX OH corporate the branch XXXX out but call customer service for ATM increase I told XXXX XXXX customer service not in charge of Increase or decrease of ATM Withdrawal limit since XXXX with Savings account and Checking acct good standing balance limit only XXXX. From VA and XXXX XXXX. I reported to Fifththird bank fraud department the transportation unauthorized purchase and charge when I have large purchases while traveling and bank robbing attempt and taken. I told them XXXX XXXX and his people recently tried to steal XXXX. Was taken between XX/XX/XXXX and XX/XX/XXXX I took XXXX. XX/XX/XXXX for truck repairs and other urgent care, Before XX/XX/XXXX. The last deposit into my savings was XX/XX/XXXX. I tried to speak with Fifththird rep he said what institution stole money XX/XX/XXXX I said no institution stole money XXXX XXXX and his people trying to get me to spend or transfer money so they can rob the rep then could not hear me. I am telling you these people work in Fifththird bank and in civil public places stealing from my acct while I travel with my church. I was not given XXXX. Limit on my debit card. From XXXX someone at Fifththird bank and XXXX XXXX XXXX did their supply. Please help me I am not the training person for personal working for banks and use my account to mess with so they can learn the fix issues I do so they can get a better job postion. I am tired of these clowns messing with me about robbery and I don't know what to do.
|
| 10/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I am XXXX XXXX the consumer defined in Truth in Lending Act as a natural person, not a dead corporation. FIFTH THIRD BANK has violated numerous consumer right violations. I XXXX XXXX recently sent a cease and desist certified mail and I will attached the receipt and return receipt. They still contacted me through mediums like USPS which is a violation of the FDCPA of my cease and desist and mail fraud. I entered in a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2021. The attached documents will show you that I was charged a finance charge of {$8900.00} which is the sum of all charges. So I shouldn't be responsible for paying on anything other than a finance charge. Truth and lending never define what a loan is so why is XXXX XXXX XXXX sending me bill of costs with positive balances saying I should pay them for a loan which is also misleading information. A loan is the obligation of the United States of America. I do not pay on positive balances. A debt collector defined in FDCPA means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. FDCPA states that debt collectors can not acquire consumers location without the consumer consent. I never gave XXXX XXXX my information. I gave it to XXXX XXXX TX, XXXX and not XXXX XXXX XXXX. XXXX XXXX XXXX also violated my consumer rights under FDCPA by trying to threat me to make payment or they will take my property. XXXX XXXX XXXX said they are not governed by the FDCPA which is false and misleading information which can result in FIFTH THIRD BANK Being Liable for damages. FIFTH THIRD BANK sending documents saying they will seizure, garnishment, attachment, or sale of any property is a FDCPA Violation that results in my remedy. FIFTH THIRD BANK sent me coupon book. Defined in Truth in Lending Act 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My debt should be paid by my coupon books. FIFTH THIRD BANK also reported negative and misleading information on my consumer report after I send a cease and desist order.
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| 01/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a mortgage refinance with 5/3 Bank, with XXXX XXXX XXXX NMLS ID # XXXX ) XX/XX/XXXX. As of writing, XX/XX/XXXX, my loan is still not processed. While undergoing this process, I applied for a loan refinance with another bank on XX/XX/XXXX, which closed on XX/XX/XXXX.
Initially process went smoothly, spoke with XXXX XXXX on the phone, submitted application online, and shortly after was asked to submit additional documentation. Nothing surprising or out of the ordinary yet. In XXXX, I started being asked for the same documentation I had supplied in literally the email that was being replied to by XXXX XXXX, the mortgage processor. The process was taking so long they had to pull my credit report again. This is when I applied with another bank. Email responses started taking weeks in XXXX and XXXX. XXXX XXXX would not answer phone calls during normal business hours, and would not call me back in response to direct email asking for a call.
To highlight the gross ineptitude shown, employment verification was needed from my previous employer. I spoke to the employer 's office manager, so this was something they were waiting to do. An email sent to the employer on XX/XX/XXXX could not be opened by the office manager. They replied on XX/XX/XXXX with this information. On XX/XX/XXXX XXXX XXXX asked XXXX if a form could be sent. On XX/XX/XXXX, I sent a follow up email. On XXXX, XXXX replied that she asked if could be faxed. I'm not sure who she asked, because it was not to me or the office manager. Only on XX/XX/XXXX did she mentioned she needed a fax number, which she stated was requested ( but I have no emails from her requesting that ). So it took almost 1 month for someone from 53 to verify my employment, which required me to send multiple emails, phone calls and personally provide information that should have been requested/coordinated by the bank.
I don't know if 53 bank does not wish to lend to me because of my race, religion, name, sex, whatever ; maybe they are so busy that refinances take more than 6 months for everyone ; this is just a case of gross incompetence ; or if this is a combination of all of the above. But at this point, another bank took <30 days to do what 53 could not complete in >6 months. I consider them to have abandoned my application and am requesting a refund of my {$450.00} loan application fee.
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| 09/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I purchased a new XXXX XXXX pickup truck in XX/XX/XXXX. The loan was through Fifth Third bank. I provided proof of insurance at the time of the purchase making 5/3 bank the loss payee. In XX/XX/XXXX I started receiving notices that they could not confirm my insurance on the truck. I sent them the declaration page. XXXX I received another notice, same issue. This time I had XXXX XXXX send in all the insurance information as proof of insurance. For the next 5 months I continued to be inundated with monthly bills for unpaid insurance amounting to {$4600.00}. 5 bank was charging me approx {$1000.00} per month for what they call collateral protection insurance ( CPI ). All along I am emailing them proof of my insurance. On XX/XX/XXXX, they repossessed my truck at XXXX, from my driveway. I received a threatening letter from XXXX XXXX and one from XXXX XXXX ( VP ) stating they have my truck and unless I pay the {$4600.00}, they will sell my truck at auction on XX/XX/XXXX. So i didn't have my vehicle for 2 weeks and this was a huge burden on my schedule and my family. The problem is the 3rd party insurance company they own has call screener 's so there is not just one person handling an account. When I tried to explain the situation to the bank, they blame it on the insurance company and vise-versa. In my opinion this is a scam targeting high end vehicles, because they know they'll pay off just to get the vehicle back. I did not pay them off and they realized that they had no legal right to sell my truck for an unwarranted claim. Then they said I had to pay the {$400.00} towing bill to get my truck back! Why? Fifth Third bank made a phony claim, why do I have to pay? They eventually dismissed all charges but the damage was done. When I got my vehicle back my keys did not work because the had a locksmith go to the impound lot the very next day and have keys made. When they did this my programmed keys were erased and my theft deterrent system is now damaged. I had to tow my vehicle to the dealer to fix it and that's where it is today. All this because Fifth Third bank tried to squeeze {$4600.00} out of me. This is a scam and needs to be stopped. I'll never deal with this bank again. I also informed the nationwide dealership to consider the loans they are selling to their customers because of Fifth Third Banks unscrupulous business practices.
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| 06/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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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 XXXX 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 was n't the case. On XXXX XXXX , XXXX , 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 XXXX XXXX XXXX - 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 XXXX 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 XXXX years on XXXX / XXXX / XXXX . 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.
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| 10/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2021 I received an email from Fifth Third Bank stating " We're reaching out to let you know that your account ending in xxxxx requires prompt attention. '' I called and was told Fifth Third wanted to provide a " friendly reminder '' that my mortgage payment had not yet been received. I asked whether I was in default, which the representative denied. I was also informed I had until the XXXX of the month to pay without any late charges being assessed. I requested that Fifth Third refrain from providing such reminders in the future.
On XX/XX/2021 I received a phone call from XXXX from someone claiming to be from Fifth Third who asked for personal information to verify the identity of the call recipient. I informed the caller I was at work, and declined to provide the requested information since I could not verify the true identity of the caller.
While at work on XXXX XXXX I again received a missed call from the same number.
Then again, while at work on XX/XX/2021 I received a call from the same number, again requesting personal information to verify my identity. I again declined to provide the information. The individual informed me they had urgent information about my Fifth Third account and that I needed to call the company immediately.
I returned the call about 30 minutes later and asked the representative to record the call and provide me a transcript. I asked why I was being repeatedly contacted by Fifth Third while at work. I was informed the Collections Department was providing " friendly reminders '' about my mortgage account, although it was not in default. I asked why I was continuing to receive these calls when I had specifically requested not to be contacted with reminders. The representative was unable to provide a reason and offered to refer me to the Collections Department. After a lengthy hold, she informed me she would again process the request not to be contacted. She also refused to provide a transcript or recording of the call, stating those are available for internal use only.
I would like Fifth Third Bank immediately stop the predatory and deceptive practices of unnecessarily contacting me, creating alarm about the status of my mortgage, and threatening me with action about my account because I refuse to provide them personal information any time they choose and in any manner they deem appropriate.
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| 09/13/2016 |
Yes |
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- Closing/Cancelling account
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Web |
Older American |
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I was issued a credit card by Fifth Third Bank that I did not apply for. I had co-signed a checking account for my XXXX mother about five years ago because she had trouble writing after her XXXX. She passed away XX/XX/XXXX. I notified the bank and they closed her checking account, but told me I need to call a special department at Fifth Third to get her credit card closed. It took me about 8 phone calls to get in touch with the department, as it appears there was only one man working there. I had to send her death certificate, which I did.
About a month later, I received a credit card bill with my name on it. I had not applied for a card. It had finance charges. Evidently, my mother 's account, after being closed for four months, had been hit with a charge from her insurance plan ( that had also been cancelled ). Instead of refusing the check, the bank decided to charge my erroneous credit card ( the one I did not apply for ). I called the bank, they apologized and told me if I brought in {$47.00}, they would reverse all overdraft fees. I had to drive to the bank and do that. A month later, I received a credit card bill with fees and interest. The bank has received at least XXXX phone calls from me as well as faxes, in person visits, and escalated supervisor calls because I started receiving statements for finance charges for an account I did n't open. I 've spoken now to XXXX different representatives who apologize profusely, say the card will not incur any more charges, and yet every month, it happens again. It is now XX/XX/XXXX. I received a statement on XX/XX/XXXX ( and numerous subsequent emails ) saying there are now {$21.00} in finance charges. I am so, so angry. I never applied for a card. I did receive a credit card back when the checking account was first opened, but I shredded it because I did n't want it. It has never had a charge from me on that account. I do n't know why the bank paid out on a check that hit their bank four months after my Mom died, then charged it to a credit card they had opened in my name. When I spoke today to a representative, they said that Fifth Third would never do that. Well, they did. For the fourth time, I 've been told that the account is closed and all fees reversed. They 've apologized over and over. I do n't believe them and I am out of my mind with frustration. How can they do this?
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| 03/18/2016 |
Yes |
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Web |
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I received a credit card offer in the mail and I went online to apply. The application also had a space to enter balance transfers. I put in XXXX cards info. After completing all I got was I will be a response in the mail. When I received my card there was NOTHING saying anything about the transfers I entered.Searching the letter with my credit card attached, I ca n't find what credit limit they gave me. When I see that it 's XXXX which would not cover both transfers after realizing the transfer fees would put me over my limit. They had enough information to know what limit I needed. I had no clue that the info on my card was being processed as I thought it was part of the application to determine eligibility and limit. I called after receiving the card and asked that only XXXX of the cards be transferred. I gave all the info to process my highest interest card.A couple of days later I emailed asking why the transfer was not showing up. It took 3 days to finally get a human on the phone. I was asking about the transfer I called in. I was told it was request the transfer was being sent to my house.?? I asked her what a balance transfer was and she told me then I asked then why and what part of the transfer was being sent to my home. She was not making any sense. After that I talked with a VERY rude guy named XXXX. He said the transfer I called in was no good and would not be processed. He kept going through their legal jumble about it takes 2-4 weeks to process.I have done transfers before and they only take a1-2 days.I gave him the info and sure enough it was done in less that 48 hours my cc was paid. BUT XXXX giving me wrong info told me to keep making payments, so I made the payment the same daY to make sure it was paid. This caused 2 payments to go thru and I now overpaid the bank. In the mean time the 2nd transfer I put on the app gets processed with out my knowledge and forces me to be over my credit limit.
They intentionally give false and misleading info and failed to give me enough credit to cover the transfers I put on the app. I do not find this out untill after it 's done and too late.I tried to get them to cancel the 2nd transfer but they refused. In my opinion they have committed fraud. The charges have put me over my credit limit and subject to penalties which include loosing the zero % offer that I signed up for.
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| 08/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I wrote a check for XXXX for my car loan. The monthly payment is $XXXX. I wrote on the check to apply $XXXX to principal. (I have sent in checks before to add extra to principal and have not had any problems). On XX/XX/XXXX The check was cashed for $XXXX.On XX/XX/XXXX I was at the bank checking about other transactions and realized there was more in my account than I thought should be there. Later that night something woke me and I started thinking about my statement. I was looking it over and discovered the above mentioned error. I called the automated loan number to verify the transaction and if it had been corrected. It had not. I also contacted my bank that night and let them know about the error.On XX/XX/XXXX I called the bank that I have the loan with regarding the mistake. The person I talked with told me to fax a copy of the check to that bank. I called the personal banker that I usually do business with at my bank and told her what was going on. She faxed the copy of the check over to the other bank.Since then I have been checking my loan balance everyday. The only change is interest accruing (More than half shouldn't be).On XX/XX/XXXX I called the bank again to see what the status was on fixing their error. They told me it would take 5-7 business days. I was still concerned about this so I made the first available appointment for XX/XX/XXXX. On the night of XX/XX/XXXX, I checked my balance at my bank and $XXXX was taken out of my account on XX/XX/XXXX. I checked my loan balance and it had not been applied to the loan.XX/XX/XXXX With the assistance of the personal banker that I usually helps me, I contacted the bank with the loan again and spoke with a customer representative. I was told that it was being processed. My banker and I were not comfortable with the situation; why was the money withdrawn from my account on XX/XX/XXXX and still not applied to loan as of today XX/XX/XXXX. My banker then called another department within my bank and found out that the $XXXX was transferred to the other bank for the loan based on my phone call on XX/XX/XXXX as I said it before it still hasn't been applied yet.I was also wondering how they could cash a check that I mailed out on XX/XX/XXXX by XX/XX/XXXX and it's taking them so long to correct this error.
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| 12/26/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I purchased tickets to an event through XXXX XXXX in XXXX 2016. On the day of the event in XXXX I was not given the full access to the event I had paid for. I disputed the sale with my credit card provider, Fifth Third Bank. My goal was to receive a small percentage back from XXXX XXXX.
The last correspondence I have ever received from Fifth Third Bank pertaining to this issue was dated in XXXX. This letter stated that the dispute was settled in my favor and {$330.00} was to be credited back to my account.
This amount, nor any amount, was ever credited back to my account. I called Fifth Third Bank numerous times only to be told on each and every occasion that I would be contacted " within the next 48 hours '' to address the situation.
NEVER HAPPENED!
After a few months of this " run around '' I finally filed a lawsuit with the judicial system in XXXX County, Illinois. Even though Fifth Third was served with the paperwork for this case filing they made the decision to ignore the court summons and DID NOT show up in court. Subsequently I was awarded a default judgment in the amount of {$1000.00} plus court costs in XXXX of 2016.
Although Fifth Third made it extremely difficult to find the correct department to forward the judgment paperwork to, I was finally able to fax the documents to the correct department.
Within a week of receiving my faxed paperwork I was contacted by a Fifth Third Bank Attorney who initially told me that they would not pay me the full amount and if I did not settle for the considerably lesser amount, Fifth Third Bank would go back to court and file paperwork to have the judgment vacated. I told the Attorney this was not acceptable and my expectation was to receive the entire amount of the judgment plus court costs. This phone call took place on XXXX XXXX, 2016.
On XXXX XXXX, Fifth Third Bank, through their Attorney, made the decision to finally bring to a conclusion this issue which they had dragged out for more than 7 months. The decision was made to pay me the total agreed upon amount of {$1200.00}.
As of the writing of this statement on XXXX XXXX, 2016, I have still not received any of these monies.
FYI : Because I have very little trust for Fifth Third Bank and their agents, each and every phone call since this issue has arisen has been recorded. These audio files are available upon request.
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| 10/26/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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On XXXX XXXX, 2015, I made a {$100.00} cash deposit into my checking via ATM location # XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL. This ATM belongs to Fifth Third Bank. A deposit slip printed from the ATM showing my correct ATM card number, the date, and the deposit amount of {$100.00}. The following business day, I checked my online access account with Fifth Third Bank. The deposit had not posted. I called the XXXX branch office at XXXX and explained the situation to the teller who answered. I was advised that I would need to call XXXX and file a dispute. I called and filed. Case number XXXX was opened for me via the Disputes Resolution Dept. and I was issued a provisional credit for {$100.00} in my checking account on XXXX/XXXX/2015. I was provided with a letter regarding this transaction.
On XXXX/XXXX/2015 I logged into my Fifth Third online access account and found the {$100.00} had been debited from my account with the description " reversal of dispute provisional credit ''. I also received in the mail a letter dated XXXX/XXXX/15 that Fifth Third Bank had denied my dispute because they had determined the ATM to be in balance. I called the Disputes Resolution department immediately and was advised to bring my ATM receipt into the branch where the deposit was made. I went to the branch on XXXX/XXXX/15 and sat down with personal banker, XXXX XXXX, and we together made a call to the Dispute Resolutions dept. where we were instructed to fax a copy of my ATM deposit receipt to XXXX. The fax was made and I was sent home with no timeframe of completion. I followed up with the disputes resolution dept. on XXXX/XXXX/15 to verify the fax was received and to determine a timeframe in resolving my dispute. I was advised the fax was ( 1 ) received, but ( 2 ) my claim was still denied because the ATM was found to be in balance. I followed up with an email to XXXX XXXX on XXXX/XXXX/15 letting him know the findings. I have not been offered any help in resolving this matter.
I find it to be absolutely unacceptable from a customer service standpoint that a deposit can be made into an ATM, a proof of deposit receipt is provided, and yet the {$100.00} is missing. The XXXX branch has provided absolutely no service at this point. The denying of my dispute by the Dispute Resolution dept after providing solid proof is also unacceptable.
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| 04/03/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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I went to my fifth third bank located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/2018 to cash a cashiers check, see attachment. When I stepped up to the teller I handed her ( XXXX ) the check and told her " This is a check for a business transaction from out of state and I don't know this person. Should I put a two week hold on this check to make sure it clears? '' She looked at the check and then said " NO this is a cashiers check drawn upon this bank ( XXXX XXXX XXXX ) ( see attachment ) and the member would have had to have a sufficient amount of funds in their account to be able to draw this check. '' Her response lead me to believe that everything was alright. She then cashed the check for me. I left and went about my business. The following week I received a notification ( see attachment ) that {$4500.00} was taken out of my money market account to cover a fraudulent check plus {$15.00} fee. I was very distraught to see this especially since I specifically asked the tellers advice. I went to the bank within the next several days to talk to the manager ( XXXX ), I told him what occurred and he said " We don't put holds on checks, we could cash it or deposit it into your account and the funds would be available in 1 to 2 business days. We can not be responsible for fraudulent checks or checks with insufficient funds. '' I told him that I understood that but in lieu of the conversation that I had with the bank representative I was lead to believe that everything was fine and that I proceeded accordingly after all I am not an expert at banking policy or proceedure. XXXX said " if that was your conversation with the teller then it could have been handled better '' Yah Think??? There was admission right there. Had the teller told me what XXXX told me I would have had the opportunity to make an informed decision having had the proper information disclosed to me. I am in health care and If something happens to a patient after they made a decision base upon incomplete information that I gave them I would be sued for negligence and mal practice. I can only believe that a bank has the same fiduciary responsibility to the community and it's members. If not how can I ever feel safe acting upon anything that a bank tells me again. I would like for the bank to take responsibility for their mistake and reimburse my money in full.
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| 03/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American, Servicemember |
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My wife and I contacted Fifth Third on XX/XX/XXXX to request a loan modification for two loans which were maturing due to a balloon payment.
a. Primary mortgage of {$800000.00}, due XX/XX/XXXX b. Line of credit of {$110000.00}, due XX/XX/XXXX We were instructed on XX/XX/XXXX ( see attached copy of letter from Fifth Third Bank ) to begin paying {$5000.00} for the primary mortgage for three months ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as a trial opportunity to theoretically see if we could manage a loan modification.
We were not clear on whether this modification included the line of credit and we called several times to receive further clarification. In the interim, we continued making our regular mortgage payment in the amount of {$5200.00} and line of credit payment in the amount of {$600.00}. On XX/XX/XXXX ( copy attached ), we received a letter from Fifth Third stating our trial plan payments were received and recorded as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. WE WERE NOT NOTIFIED THERE WAS A LATE PAYMENT NOR WAS THE PAYMENT REJECTED.
The Mortgage Loan History Statement from Fifth Third reflects that we continued paying in excess of the full amount of the primary mortgage in the amount of {$5200.00} on XX/XX/XXXX and XX/XX/XXXX. We did not reduce our payment to the lower trial loan modification amount of {$5000.00} until the payment made on XX/XX/XXXX.
Fifth Third bank recorded the XX/XX/XXXX payment as late because it was not the usual amount of {$5200.00}. The modification side of the bank instructed us to pay a modified trial amount of {$5000.00} which we did. We should not be penalized because the two different departments of the same bank are not reconciled.
The loan modification documents, for the primary mortgage, were completed and executed on XX/XX/XXXX, prior to the due date of the primary mortgage balloon payment.
We paid off, in its entirety, the Line of Credit in the amount of {$110000.00} on XX/XX/XXXX, before the due date.
We have ed in this home for fifteen years and have NEVER paid our mortgage late and at no time, during the process of the loan modification approval process, were we made aware that there was a late payment on our account.
THIS INFORMATION IS INCORRECT AND HAS SEVERELY DAMAGED OUR ABILITY TO RE-FINANCE THIS MORTGAGE AND TAKE ADVANTAGE OF REDUCED INTEREST RATES.
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| 11/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on my home -- a new property, qualifying for a 10 year tax abatement -- in XX/XX/XXXX. At the time of close, it became apparent that the closing company had forgotten to account for my tax abatement on some estimates ( causing me to pay a couple thousand additional dollars into my escrow account at close ). I was assured that this could be worked out with my mortgage company after closing.
My mortgage was sold to Fifth Third Mortgage Company in early XX/XX/XXXX. I promptly submitted an inquiry re : the escrow amounts on XX/XX/XXXX. Not only did I have the excess in escrow from closing, I also had to pay an extra ~ {$300.00} a month for my mortgage, so I was eager to resolve the issue as soon as possible.
In response, Fifth Third opened an issue and informed me that they would respond in 15-25 days via mail.
This delay was frustrating to me, as I hoped I would be able to provide legal documentation of my tax abatement right then. I asked if I could speak to someone from Fifth Third Mortgage Company directly. They said no.
In early XXXX, I received a response in the mail, indicating that they needed further evidence of my tax abatement. I immediately faxed over a copy of my stamped document affirming my property 's tax abatement aside the letter they sent me. I followed up this fax with an online message to confirm the receipt. Again, they indicated they would respond in 15-25 business days.
Today is XX/XX/XXXX, and I have still not received a response. My monthly mortgage bills are hundreds of dollars higher than they should be, and I am owed thousands of dollars from closing three months ago. I sent a message explaining that my promised response was missing and that holding excess in escrow is a violation under RESPA. They responded to tell me to contact customer service over the phone -- despite the fact that they told me earlier there was no way to contact a Fifth Third Mortgage Company rep directly over the phone.
I am completely frustrated with this situation and the way I've been treated by the Fifth Third Mortgage Company.
I've attached screenshots of all my correspondence, as well as the evidence of my tax abatement ( as faxed over on XX/XX/XXXX ) and screenshots of my account info and activity ( taken today, XX/XX/XXXX -- showing the escrow balance vs escrow disbursements & monthly fees ).
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| 10/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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In XX/XX/XXXX, I started to question my PMI because I live in the XXXX zip code of XXXX - the hottest real estate market in the XXXX area. In XX/XX/XXXX, I requested via email and fax to have my PMI eliminated. I was told that if they went by my XXXX re-finance appraisal of {$460000.00}, my property would still be below the required 78 % Loan to Value ratio to qualify for PMI elimination. XXXX from Fifth-Third Bank told me that the other option I had would be to request a appraisal, to be paid for by me. They would send someone out to appraise the property. The appraiser came out in late XX/XX/XXXX. I called several times after I received the report stating my property appraised at {$530000.00}.
A couple of weeks later, I received a letter from Fifth-Third Bank stating that my property did not meet the required 75 % LTV as it was at 75.82 % LTV and therefore my PMI would not be cancelled. I contacted the company multiple times, and could never get a straight answer. My re-finance documents clearly state that I reserve the right to have my PMI removed once the LTV is at 78 %.
I feel like I am being discriminated against because of my race. Everyone knows that these mortgage companies attempt to scam XXXX and XXXX people into paying more. They never give us a straight answer on anything. Each time I contacted this lender, I received a different answer from they never received the faxed request to review my PMI to the LTV would have to be at 78 % to being bullied into demanding to know who said 78 % to telling me as early as last week that they needed to check with " the investor '' of the loan to determine what the LTV should be. Clearly someone sent the letter so they got that information from somewhere. And, when demanded to know who " the investor '' of my loan was, XXXX ( the manager ) said it would be XXXX XXXX or XXXX XXXX. Everything I've read online seems to suggest that XXXX XXXX and XXXX XXXX subscribe to the 80 % LTV ratio. Today ( Monday, XX/XX/XXXXXXXX around XXXX CT ), someone named XXXX contacted me stating he would look into my formal written complaint that I sent Friday, XX/XX/XXXX, but had no answers about the LTV saga. I need a third party to help me fight the XXXX profiling and discrimination this mortgage company seems to be practicing while having loans underwritten by XXXX XXXX and XXXX XXXX.
|
| 02/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
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To Whom it may concern, I received an email from XXXX XXXX stating that my credit score went down XXXX points because of a late payment to XXXX XXXX XXXX. I have never had a late payment on my credit. I called XXXX XXXX and they told me that my last payment was XX/XX/XXXX of 2021. There was no payment for XXXX or XXXX. I pay this automatically through Fifth Third Bank. I have attached a document showing that the XXXX and XXXX payments were scheduled and were also showing in the history. I called Fifth Third Bank and they said someone would call me within 3 business days. They said that they saw that I had scheduled these payments automatically for the first of each month but that they did not send the checks. She did not know why and had to escalate this. I told her I wanted something from the bank stating that this was the fault of the bank. She said I would have to wait until someone e-mailed me about this within 3 days.
I called Loan Care and I told the representative that I had not received any communication from XXXX XXXX about this. She said that they called me but received no answer. I said why wouldnt they leave a message. I dont answer calls if I dont know the number. She said that they sent a letter in XXXX. I have not received that because I am at my other home in Georgia.
The research done by Fifth Third it was found that the payment for XX/XX/XXXX was lost in the mail and the payment for XXXX was cashed on XX/XX/XXXX. I asked why the second payment was not cashed on the first because I schedule my payments to get to Loan Care by the first and I was told that was up to the merchant when they cash it. I was told by Fifth Third that the screenshots should be enough to resolve this. They do not send letters. I have attached the payment history along with the check numbers that were sent. I sent this info to XXXX XXXX and they will not take off the derogatory mark from my credit because they said a check lost in the mail is not their fault.
I am very upset about this and am asking for my credit score to be restored. I paid the two months right away after I found this out.
Please let me know if you can resolve my credit issues. I have never had a late payment in my life and this has reduced my credit score by XXXX points by no fault of my own. Please advise. Thanks you very much!
Sincerely XXXX XXXX
|
| 02/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
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On XX/XX/21 I requested a loan from XXXX XXXX and was approved. XXXX $ was deposited into my account. When I tried to access my account it had been like I recently got out of a messy relationship so when I tried my password several times my account was then locked previously I have been using my face recognition to open my account and it has worked for the last 7 to 8 months upon speaking with a representative at wisely on the phone I was instructed to send several documents proving who I was my account was open later the same day. I was cut a check for {$470.00} the amount of the loan I was able to cash it by luck that I had to blank check That was sent the very first day I got my card so I cashed it and the next day I got my unemployment check deposited. ( XXXX $ XXXX I called to expedite my card and was charged {$35.00} My card never got delivered so I called wisely to please give me a refund while doing so I was asked for a security freeze which I have never been asked for before I dont remember the security freeze even if I did put it. I still have access to my web application and in charge of everything passwords phone numbers emails and have all that I have given them all the documents that I can and they are still holding my money it has been three days I have yet to be an issue a refund and they will not let me access my account I have called over and over I told him that I need this money to pay my bills and they keep telling me to wait another 24 hours Ive been hung up repeatedly on by different supervisors and would like you to ask them for the records so you can see how rude they were to me I got upset a couple of times asking him if theres anyway that they can help me to get my money I told him I was willing to go to the police station to verify my account a bank anythingXX/XX/XXXX they did not offer any other solutions. I think it is funny how when I asked for a refund on there overnight delivery fail I was asked for the first time ever if I knew my security phrase for the account. I ordered the card replacement wed. And have yet to receive it here on the following Monday. And still no refund. Can you please advise these people to open my account and refund my money. Please investigate. I would call and they would tell me. I know who you are I cant help youthank you for your time and concern
|
| 01/27/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am a first time home buyer and this process is new to me. I applied for a pre-approval in XX/XX/2021 and I was approved by XXXX XXXX from Fifth Third Bank. I finally found the perfect home and we put in an offer on XX/XX/2021 and offer was accepted. Contract was signed on XX/XX/2021 and closing date was scheduled for XX/XX/2021. The appraisal for the home was not done until XX/XX/2021. He found something wrong with my checks 2 days before closing and I had to scramble and had 48 hours before the closing date to get a letter for garnishment that shouldnt have happened on my check that the account was closed. The appraisal took 2 weeks and the sellers were wanting to work with me but because it was passed the closing date they would no longer pay the repairs that needed to be done for FHA approval, so we had to pay for the repairs. If the appraisal and my credit was done before XX/XX/2021 then there was no need for my credit check to be done again and repairs would have been paid by the sellers if it was done in a timely manner. My credit was reranned on XX/XX/2021 and new things showed up on my credit and my credit score dropped, so I no longer was getting approved by the bank to purchase my new home. We tried to get an extension since the repairs were already complete, all the inspections were done ( home {$420.00}, termite {$60.00}, radon {$120.00} ), and application fee ( {$390.00} ) for fifth third bank was processed and paid for. He was very unprofessional, was not responsive to me or to my lawyer or realtor and not processed like things should have happened. I would not have lost this house if it was not for him. The house was put up on market and they accepted another offer from another buyer. I lost alot of money. I did complain to his supervisor XXXX XXXX and she didn't do much either. She did admit on the phone that he failed to tell me the price range I should have been looking for in a house and for not doing things on time before my pre-approval letter expired. Im out on a house of my dreams and out on money. I do not want anyone to go thru what I went thru as a first time home buyer. I will never recommend Fifth Third Bank to anyone to purchase a home. Please let me know what we can do if I can get my money refunded for a poorly and unprofessional job on my application to purchase a home.
|
| 07/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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Web |
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My complaint is with Fifth Third Bank ; its failure to send monthly/quarterly checking account statements by mail/email, and the delay in receiving a refund for monthly service charges which accrued to a total of {$400.00}.
This issue involves my deceased husband 's Fifth Third Bank Essential checking account and debit card. He passed away on XX/XX/XXXX. I notified the bank about his death on XX/XX/XXXX.
Fifth Third Bank failed to send any monthly checking account statements either by mail or email which resulted in monthly service charges/recurring debit card purchase charges accruing without my knowledge.
Soon after, the COVID-19 pandemic hit, with lockdowns and restrictions causing further delays in conducting business matters.
On XX/XX/XXXX, I presented a Small Estate Affidavit, his debit card, and my identification to personal banker XXXX XXXX at the Fifth Third Bank branch located at XXXX XXXX XXXX XXXX in XXXX Illinois. XXXX contact numbers are ( XXXX ) XXXX and ( XXXX ) XXXX and her email address is XXXX. XXXX proceeded on closing his checking account and issued me a cashiers check in the amount of only {$380.00}.
I have an ATM transaction receipt dated XX/XX/XXXX, showing a deposit of {$1100.00} was made to his checking account. I immediately disputed this balance with XXXX, and she requested copies of his monthly checking account statements from XX/XX/XXXX through XX/XX/XXXX.
These statements revealed a total of {$400.00} in monthly service charges from March 2019-March 2022. In addition, there were three yearly recurring debit card purchase charges from XXXX which occurred on XXXX for {$120.00} ; XXXX for {$120.00} ; and XXXX for {$130.00}, totaling {$390.00}.
On XX/XX/XXXX, I compiled and sent four emails with attachments of highlighted debited charges as well as picture proof that Fifth Third Bank failed to send monthly checking account statements to his email address. XXXX acknowledged receipt of these emails to her email address XXXX and forwarded them for review to get a refund issued for {$400.00}.
I have inquired both by voicemail and email approximately 7 times and still no refund has been issued.
Fifth Third Bank failed to send his monthly checking account statements either by mail or his email address. I was completely unaware that any charges were being debited.
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
Older American |
|
On XX/XX/XXXX, at approximately XXXX XXXX XXXXXXXX XXXX I attempted to advance to myself online {$50.00} from my HELOC account ending in XXXX that was opened on around XX/XX/XXXX. The amount of the line of credit was {$180000.00}. At the time of opening, I was informed I would be able to draw on this account up to that amount at my request for a minimum of 10 years. However, my attempt to advance myself on the referenced date was denied even though there was XXXX dollar balance on the account and XXXX money owed. A pop-up window instructed me to call XXXX. Looking at the information on my account I saw on XX/XX/XXXX " Place Adv Block. '' I assumed I was being blocked from making advances and called the XXXX number to confirm. The first rep I got, XXXX, confirmed that I could not get an advance. I explained that I was just charged {$65.00} on XX/XX/XXXX for " LOC Annual Fee '' and told him if I was blocked from taking an advance then I demanded my {$65.00} Annual Fee returned and the account closed, since a new HELOC one can not draw on is worthless. And I was being charged for this worthless product. XXXX attempted to try to explain to me why this was the case and I cut him off and told him I didn't care the reason, just close the account and refund me. I called him a name, and he hung up the phone on me. I called back and this time got XXXX. She wouldn't give me her last name but did give me a company ID of XXXX. I told XXXX about my experience with XXXX and that I wanted a refund of the annual fee I had paid and to close the account. She put me on a brief hold and when she came back she told me I could only do this in writing but did not give me the address to send the written demand to. I asked her if there were any hidden charges I would incur. I asked her for a straightforward yes or no answer to a straightforward yes or no question. She hemmed and hawed and eventually said " I don't perceive any. '' I asked her to please answer yes, no or I don't know ( as I was short on time ) and she too then hung up the phone on me. I called back but got a message that the department was closed for the day. I want my {$65.00} returned, and this worthless HELOC closed. I spent about an hour dealing with this issue so I also want to get paid for my time. My rate is $ XXXX. That comes to a total of {$940.00}.
|
| 01/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth/Third bank purchased my mortgage from another bank. I would have never sought a mortgage from them because I have never heard great things about this bank, but here I was, in business with them. From the onset I had issues with them and their lack of communication. But all heck broke loose when I received a letter from them telling me they were raising my mortgage payment by {$1000.00}. I have a conventional mortgage with a fixed rate. I live in DC where I pay about {$6000.00} in taxes per year and a little over {$1000.00} in home insurance. I purchased my home in XXXX and had several thousand dollars in surplus ( credit ) with DC tax and revenue. For the following 2 plus years or so after I pu8rchased my home DC just debited that surplus to pay my tax bill. My escrow paid XXXX in taxes. When all but {$1500.00} was paid, as the surplus was exhausted, DC submitted a tax bill for that amount to Fifth/Third bank. They paid it. Then, their incompetent team estimated the escrow needed for the following year and used the {$1500.00} ( from above ) to estimate what they would need to collect from escrow for the following year, underestimating my escrow. In XXXX of last year, I received a letter telling me that my mortgage would be going up by {$1000.00} because escrow would not be able to cover the tax bill for XXXX. So in essence, they are collecting {$13000.00} more to pay about {$7000.00} in taxes and insurance for the year XXXX. How does this make any sense? I have written letter after letter asking for a break down of my escrow as well as proof that they paid my taxes during the surplus years as they are telling me - nothing. I spoke with DC so I know they did not. What they tell me is they can not help me in writing but I am free to call their bank to speak with someone. I tried. Nobody knows anything, specifically what happened, can't provide me with any useful information and just wastes my time. I work, I have a little boy at home. I don't have time to wait on the phone during working hours and they close at XXXX, they tell me. I can't afford a {$1000.00} increase in my mortgage. I have been paying that increase since XXXX of XXXX but I don't know how long it will be before I default on my mortgage due to this incompetence. I just don't know what to do. Who are these people responsible to?
|
| 08/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I put a check into an ATM to fund a new account at 5/3 Bank. I already have multiple checking, savings and business accounts and have for about 20-years. This check was to fund the new personal account. I checked the next day to find the issuing bank ( XXXX XXXX XXXX ) which is local, had paid the {$5000.00} check to 5/3 but it was showing up in the 5/3 account as " Pending ''. I waited 2 days and checked again. Still pending. I did a chat with 5/3 complaining that was not right. Said they would not release the money to my account until XX/XX/XXXX ( 10 days ). Their response to my complaint was " The availability of funds does not guarantee that the check has cleared the bank that it is drawn on, or that the check is authentic. Each deposit goes through the same verification process. Whether a hold is placed on a deposit or not is determined by the life and activity history of the account the deposit is going into. Also, it would depend on the issuing bank verifying the deposit during processing ''. But the check had already cleared the issuing bank. I could see it on the activity statement ( I have access to that account as well ). 5/3 has done this several times before when I deposit a check of over {$2000.00}. It's almost automatic.
Now, here is what they are doing I think : The put a hold on the big checks that come through ( even if they are cleared the next day by the issuing bank ) and then make money off the float. Interest from my {$5000.00} won't amount to much but if they do this some 10,000 times per month, it would be sizable. In the meantime, they are telling the customer the check hasn't cleared or isn't " authentic ''.
Now, one solution on my end is just to change banks but I have about 10 accounts, credit cards, debit cards, etc. and to change all those would be a huge burden I don't have time to do. Plus, I have no assurance another bank will be any better.
For the most part, 5/3 has done OK over the past 20-years. Local managers have gone out of their way to accommodate but this is out of their hands.
If, for some reason, the bank has reason to believe a check is fraudulent or the money isn't transferred in a timely manner, a hold seems appropriate but when the money is transferred in 24 hours and they still hold it for 10 days, that just plain unethical.
|
| 06/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
For close to three years, I have paid my mortgage payment on time using the online bill pay system. In XX/XX/2019, I logged in to pay my bill as I always do and submitted my payment. However, in XX/XX/2019, when I logged in to submit my XXXX payment, I saw a notification alerting me that I was over 30 days past due on my XXXX payment. I immediately paid both, but the XXXX payment had slipped past the 30 day mark by a hair.
Fifth Third bank has never provided me email notifications when a payment is late, when a payment is submitted or when a payment is received. Furthermore, I didnt receive any other communication alerting me that I was past due ( no phone call, no letter ). These are basic services a large bank such as Fifth Third should provide, and yet they don't.
This late payment was reported to all three credit bureaus and has lowered by credit score significantly. I submitted a dispute directly to Fifth Third, pointing out that their online bill payment system didn't process my payment, nor did I receive any communication and asked them to remove the late payment from my credit reports.
I received a form letter today, denying my request. At no point during the dispute period did I receive a phone call, an email or any communication acknowledging they received the dispute, or any communication on the status of it. Nor did they make any attempt to gather any additional information. I had to go into a branch and beg for a local manager to help. He tried but was also left in the dark.
The onus should be on the bank to show some form of evidence that their banking system ( and subsequent communications to me ) DID NOT fail. As an XXXX professional with over 15 years experience in e-commerce systems, I am keenly aware that websites do not perform at 100 % at all times. Packets drop, requests get backed up in message queues or get lost, and transactions fail. Show me proof that I never logged into my account in XXXX. Show me proof that you sent an email that bounced back, or a letter that was returned to sender. Instead, they have responded with a form letter stating my " account is being reported accurately. '' This is beyond poor customer service. This is a failure of the core communication and notification services they should be providing ( and claim to provide ) to their customers.
|
| 11/29/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, 2017 Fifth Third Bank Office of the President XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX This is a letter I sent to Fifth Third Bank requesting a correction to a mistake their employee made and asking for the mistake to be corrected.
Dear XXXX, I am writing with disappointment to your response, and to request your assistance once again. My former wife and I had a property financed through the XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX MI. XXXX. Unfortunately, my former wife and I dissolved the marriage, In doing so, there was an excess of close to {$3900.00} in the escrow account attached to this mortgage. After reading your response, it saddened me that your bank would not stand behind their mistakes. In regards to the check made out for {$3900.00} to XXXX XXXX XXXX, XXXX XXXX XXXX, the problem is, Fifth Third Bank cashed this check with only one of two signatures that were required, we are divorced, and there is a strained relationship between the two of us, so collecting this money by me to correct your banks mistake form my former wife is not an option, and half of this money she was not entitled too. Fifth Third Bank has an obligation to return the money to me, seeing that XXXX has no claim to my half of the escrow. The mortgage officer made the check out to XXXX XXXX, XXXX XXXX XXXX. This check was signed by XXXX, and applied to her new escrow account. I have spoken to the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance. And am awaiting on a complaint form to begin action through them to try to resolve this issue. I was told based on my verbal complaint that there is a claim against both Fifth Third Bank as well as XXXX XXXX XXXX XXXX. If this letter is not going to generate the remedy that I seek, then I have already notified you that I have contacted the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance and will be forced to proceed with their assistance. I am appealing to your good judgment to help correct this error. Please respond within 10 days, or I will take your failure to respond as an answer.
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, KY XXXX XXXX Second attempt to resolve the mistake.
|
| 11/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited a check for {$1400.00} by ATM in my Fifth Third checking account on XXXX XXXX, 2020. At the time of deposit, my account had a balance of $ XXXX. As is customary, {$100.00} was made available to me upon deposit but due to the overdraw, only {$91.00} was confirmed available based on the printer receipt I received. Later that evening, with verification that those funds were available, I made an ATM purchase for about {$20.00}.
The next morning, I checked my balance and found that it was now - {$28.00} and the deposited check had not been posted to my account. I called the bank to see why the check had not been deposited and the {$20.00} withdrawal was showing as an overdraft when the bank receipt had shown {$91.00} available after the deposit.
To my surprise, I was informed that the bank had placed a 10 day hold on the check and that 'it didn't realize ' the hold would be placed on the deposit so the info that was printed on the receipt was moot. The bank further explained that, although the check is clearly written to me from a major company ( AAA ), even after they verified the legitimacy of the check and availability of funds from AAA, they would not release the funds prior to 10 days, essentially they were free to arbitrarily hold available funds that a legitimate payer intends for me to receive for 10 days for no other reason than they can.
I am deeply concerned about this policy not only because I need access to those funds to feed my family and pay bills amidst the pandemic, but because there have been several banks that have been sued under class actions for policies and practices in which they hold customer funds or delay debits as a means to negatively effect consumer accounts as a means to collect additional fees. This case sounds just like that in that the bank supervisor with whom I spoke confirmed that, irrespective of how quickly the check from AAA was verified, Fifth Third would not release the funds to me before 10 days. Again, this type of random application of policy that generally harms consumers and does little to protect banks from fraud seems particularly unfair and egregious during a pandemic when family 's like mine need access to the little money they have available to sustain essentials like food, heat, and internet access for virtual school.
|
| 10/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Hello, This is the follow up with Fifth Third banks response dated on XX/XX/XXXX.
This is Fifth Third banks statement : On XX/XX/XXXX, you opened a Fifth Third Bank Essential Checking Account ending in XXXX. You opened the account with a {$250.00} Cash Bonus Offer. Enclosed is a copy of the terms and conditions applicable to the offer. Per the terms of the offer, you needed to reach a {$500.00} balance within forty-five ( 45 ) days of opening the account. You then had to maintain a {$500.00} minimum daily balance thereafter for sixty ( 60 ) days. You deposited {$500.00} into the account on XX/XX/XXXX. You needed to then maintain a {$500.00} minimum daily balance for the next sixty ( 60 ) days, which would have been through XX/XX/XXXX. However, on XX/XX/XXXX, a check you wrote for {$25.00} posted to the account. The ending balance in the account on XX/XX/XXXX, was {$470.00}. Because the balance of the account fell below {$500.00} during the sixty ( 60 ) day timeframe, your account was disqualified from the bonus and the {$250.00} was not credited to your account.
In Fifth Third banks {$250.00} cash bonus offer, it states To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/XXXX, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days.
In Fifth Third banks response, it failed to mention that I reached {$520.00} balance in my account on XX/XX/XXXX, and kept this balance until now, which is XX/XX/XXXX.
The truth is that I reached {$500.00} on XX/XX/XXXX, dropped the balance to {$470.00} on XX/XX/XXXX, and reach {$520.00} again on XX/XX/XXXX. It happened within 45 days of account opening. Then I kept this balance until now. In Fifth Third banks term, nothing mentions if a customer drops balance below {$500.00}, then reach to {$500.00} again within 45 day, customer will disqualify the bonus. I did reach {$500.00} within 45 days of account opening, and keep it more than 60 days. Therefore, I believe that I fulfilled Fifth Third banks term.
Please review your term again, and put {$250.00} bonus into my account.
Best regards XXXX XXXX
|
| 08/04/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
In regard to the EFTA ( Electronic Funds Transfer Act ) and EFT ( Electronic Funds Transfer ) : When I use a payroll advance, the repayment is in the form of an Electronic Funds Transfer. My direct deposit paycheck is immediately taken ( seized ) and applied to my outstanding payroll advance. As explained below, this is in direct violation of the Electronic Funds Transfer Act, Regulation E. My money is taken when I some amount of time to repay it. I could have 30 or 40 days left to pay my advance back to the bank. This often leaves my account at a {$0.00} balance. There are often overdraft fees associated with my account, when I technically have use of the payroll advanced funds for usually 30 to 40 days. I am left with no discretion as to paying back this advance. Fifth Third Bank knows they will get their repayment. This is not just a complaint for myself. This is for all Fifth Third Bank customers stuck in this payroll advance circle. If customers were allowed the entire 45 days, it would assist them in getting out of this situation. I believe these payroll advance products are predatory due to the facts I 've listed above and are not intended to help the customer, but trap them.
A violation occurs when your are forced to sign away your legal rights provided by EFTA to obtain a payroll advance. A violation of the Electronic Funds Transfer Act, Regulation E occurs when the bank makes it a condition for an extension of credit that repayment will be by means of preauthorized EFT. This is disallowed except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. See excerpt of the EFTA below.
VI. Other RequirementsPreauthorized Transfers-Section 205.10Compulsory use. The financial institution may not make it a condition for an extension of credit that repayment will be by means of preauthorized EFT, except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. ( Section 205.10 ( e ) ( 1 ) ). The financial institution may offer a reduced APR or other cost related incentive for an automatic payment feature as long as the creditor offers other loan programsfor the type of credit involved. ( Staff Commentary 205.10 ( e ) ( 1 ) -1 ).
|
| 08/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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On XX/XX/XXXX, I noticed several charges that were showing in my banking app with fifth third bank. I immediately disabled my debit card and called them. The bank was closed so I had to wait until the next day to report these charges that I did not make or in any way authorize to be made. I spoke to a bank representative who was nice and polite, and I explained that I did not make these charges. He told me not to worry and I would receive a temporary credit in the next few days while an investigation took place. The following day I went into my app to check my balance as I still had over a XXXXXXXX XXXX in my account and needed to pick up a few things for my children. I was not able to access my account, so I called the bank and was connected to the fraud department. The representative was very hostile and informed me my account was closed and I was deemed a fraud risk and I could not access my money and I would receive a check in the mail within 30 days. She also told me my claim was denied and I would not be getting my funds back. The bank made this decision within 24 hours without any investigation. The following day I went to the bank to speak to someone who could help I spoke to a manger who was doing everything he could to help me. He attempted to open a new account and move my funds but was not able too, so he called the fraud department and was told I was blocked from ever having an account with them ever again. After he hung up with the fraud department, he explained that this is common with claims that involve XXXX app. He said that all claims were denied involving XXXX app and I would have to fight for my funds to be returned. That same day I filed a police report and contacted a lawyer for fair shake to get advice. The electronic fund transfer act requires a financial institution to give the victim a temporary credit no longer then 10 business days from the date the theft was reported. I did not receive this credit in the time frame stated by federal law. My credit card payments i had made were returned, leaving me with fees and potentially damaging my credit, which I feel was on purpose and vindictive. Due to the bank and its fraudulent practices me and my children will face a struggle and potential eviction as my rent money is gone and were left with nothing.
|
| 11/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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I got a voicemail so I called it back and the lady was rude hung up on me twice, and I called back and the lady was really rude again and espically when I told her what my lawyer said which was to ask for an itemize list, she refused and then said well XXXX XXXX have an officer pick u up and then you can have your lawyer meet you there. And she even knew the county I was in. Funny thing is she brought up the man I divorced in 2007. She got quite when I told her I havent talked to him sense our divorce in 2007, and I remarried after him. I asked to speak to a supervisor but she refused and hung twice on me. The voicemail is automated and is a saint compared to the actually people you talk to on the phone. Even the voicemail said it was a civil suit please explain to me if its a civil suit how can they get me arrested. Just FYI what they are doing is against the law. And if ANY debt collector call just say I need itemize list of this bill and they have 14 days to get it to you. If they dont have a. Itemize then DONT give them a dime. It our right that they have to have a breakdown on all the charges and most of time they dont have an itemize because they buy ur debt almost ever time they dont get an itemize list, but people dont know about our rights. They HAVE to give u itemize list and if they dont have it then u dont have to give them a dime. When I find out who they are Im suing the XXXX out them because threaten saying they were going to arrested me and then called back and called me a liar which is funny because I recorded EVERY conversation. And another female called me a liar saying the lady didnt say she was going to have the cops arrested and when I let her know I have all recordings ( thank you XXXX ) then she hung up and I havent been called sense. Werid thing is she said it was from fifth third bank and I owed {$800.00} and that just for today if I pay {$250.00} they would clear the debt. I was like hold up I never owned an account at fifth third. The closest fifth third bank is OVER XXXX mins away. But make sure u know ur right if they keep calling and or threaten u. All of it the number of calls to them being aggressive or say ur going to jail. If any of that happens to you. U have strong grounds to sue them its the law but theyre hoping u dont know your rights.
|
| 04/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
Servicemember |
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For several years, Fifth Third 's so-called fraud algorithm has been disabling my card and blocking valid transactions I'm trying to make, but it does not stop any actual fraud. Their blocking of my card and transactions causes me huge trouble even though I call the bank before I make a major purchase or travel and give them specifics so they won't interfere with my transactions. They assure me they will not interfere, but then they do. On one occasion, after I told them pre-departure that I would be traveling in XXXX and they should NOT disable the card if they saw charges from XXXX, they disabled it anyway, stranding me in the middle of nowhere XXXX miles from the nearest airport so I had to WALK for days carrying my luggage.
Last year they blocked the transaction when I tried to buy a new XXXX from XXXX, and because they blocked it, I never got the computer.
Last week when I knew I would be attempting to buy a XXXX again, and a XXXX XXXX, I called Fifth Third and said DO NOT BLOCK MY TRANSACTIONS.
When I looked online today ( XXXX ) and saw that the XXXX and XXXX transactions were pending forever, and then when I tried to use my card at stores, I discovered my card was blocked by Fifth Third!
I went to the closest Fifth Third branch ( XXXX XXXX XXXX, XXXX, Florida ). The manager, XXXX XXXX, was rude and ignorant. She did not help me at all and does not deserve to be a manager because she lacks the skills and temperament for it.
I then had to call Fifth Third, be transferred, and get a code before the hold on my card was released.
I received no notifications from Fifth Third about the blockage and would not have known except that I tried to use the card at point of sale.
Fifth Third has created suffering, loss of money, and lost time for me, and they make sure you can't reach corporate. They have a fortress around their corporate officers who create the algorithms and policies that work against customers.
Fifth Third is not a corporate criminal like XXXX XXXX and other banks, but they are incompetent, and some of their employees, such as XXXX XXXX, are hostile.
They need to fix their systems so legit charges from customers are NEVER blocked.
So glad there is a CFPB and that the GOP hasn't managed to defund and ruin it! Email, not phone, is the way to reach me.
|
| 09/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 07/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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I places an order ( # XXXX ) with XXXX XXXX on XX/XX/XXXX and original delivery was pushed back 6 months. I paid {$4500.00} and expected it to arrive by XX/XX/XXXX. This order was deliberately labeled as canceled ' on their website, without my action or acknowledgement. No refund or products were delivered. Basically, by end of XXXX, XXXX XXXX and their representative assigned to my account ( XXXX XXXX ) were sending email updates about building my sofas ( see attached ). XXXX was expected by XX/XX/XXXX. In XXXX, a letter from the XXXX arrived, apologizing for delays. By XXXX, I started emailing and calling XXXX but never getting hold of her ( see email auto replies ). She was able to reply to XXXX of my emails, letting me know that additional updates on XXXX were coming in XXXX. She never came back from the holidays. The last time a date was posted on my account was for XXXX, but that is no longer visible. They never issued a refund and I've tried refuting the charge, but 53rd Bank won't dispute the charge. they allege that a dispute can only occur within 90 days after the purchase date. XXXX XXXX was updating me with order status well past the dispute window by my bank. The 90 days period set by the bank to allow retraction of charges must be waived because that is basically fraud by the company. Thats how most of the affected clients got their money back ( according to an existing XXXX group page ).
Additionally, affected clients were instructed to submit a claim with XXXX XXXX, an equity company in charge with the assessment of benefits. I submitted a claim and was told to wait for resolution by the end of XXXX of this year. I have called XXXX XXXX on both of their numbers, ( XXXX ) XXXX and ( XXXX ) XXXX, for a follow-up and was told that XXXX XXXX concluded that they will not refund.
XXXX XXXX is currently an active business sending me marketing emails and promos. I called their customer service ( XXXX ) and their representative ( XXXX XXXX ) let me know that only the name was sold to the current firm ( XXXX ), not the financial responsibilities. General XXXX XXXX XXXX ( XXXX ) and XXXX XXXX are now offering me 30 % off if I place a new order. I feel utterly offended. XXXX sorry but how is this not fraud? I understand my accounts should be protected from fraud
|
| 08/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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On XX/XX/XXXX, I went to the Fifth Third branch located at XXXX XXXX XXXX with my first payroll check from XXXX XXXX. The check amount was XXXX and when I went to deposit it, the check was scanned in Check XXXX and flagged as being drawn on an account that has had checks returned in the past. I explained that I needed immediate access to the funds in order to move into a new apartment and avoid being homeless. I was told that if I opened a new account ( I had an existing prepaid " express '' account ) that my funds would be available on the next business day which was Monday. On Saturday, a friend of mine who works at a global investment bank and was able to come with me explained I should have been informed that I could cash the check at the bank it was drawn on. Thankfully, he also allowed me and my girlfriend to stay in his living room for a week. I was encouraged to open an account this applying the Reg CC new account exception, and my check was put on hold until XX/XX/XXXX.
On Monday the XX/XX/XXXX, I went back to the bank and was informed of the hold and that it would be removed. XXXX who had opened the unnecessary new account ostensibly to hit her new account opening quota was unavailable and XXXX told me he do nothing. As the week progressed between the generosity of my host and my girlfriends tips we managed to eat and survive. On Friday the XX/XX/XXXX I went in again and the regional manager was there. They said that the hold would be lifted. It was not. I returned again Saturday the XX/XX/XXXX and was told to wait until the XX/XX/XXXX. I have now been homeless and penniless for 10 days.
I am most concerned that I was not told that I could cash the check at the issuing bank which was a few blocks away and that, like XXXX XXXX, I was forced to open an account I did not want or need. There is no way the check did not clear and any financial institution with any sort of reconciliation team would have lifted the hold when the check cleared, likely Wednesday. I 'm trying to get my life in order after a very challenging couple of years and without the support of friends I could have been homeless or ended up dead in a ditch, god knows what else. This has been the most stressful and one of the most challenging experiences of my life. Do n't bank with Fifth Third.
|
| 12/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX we lost our home in a wildfire in CA. We entered into the forbearance department with our mortgage servicer ( 5/3 bank ) in XX/XX/XXXX. We came out of the forbearance department on XX/XX/XXXX, discussing with 5/3 bank the options for full payment vs. a loan mod at that time. On XX/XX/XXXX, I mailed two checks in - 1 for the normal monthly payment of {$1900.00} to cover XXXX mortgage payment, and another for {$7500.00} which is what 5/3 and I discussed as going toward the forbearance amount, potentially considering to do a loan mod for the remaining balance at that time. Two weeks later I spoke to 5/3 bank about a potential loan modification and decided instead to pay off the amount due in full and sent a check for {$11000.00}, cashed by 5/3 bank on XX/XX/XXXX.
The total forbearance amount of {$19000.00} was paid in these two payments described above ( {$7500.00} + {$11000.00} ). All monthly payments moving forward were paid on time. Despite receiving these funds and cashing my checks, 5/3 did not apply my funds to the balance due until XX/XX/XXXX. At this point they have declared to credit agencies that we were past due for XXXX, XXXX and XX/XX/XXXX, despite having cashed our checks and leaving unapplied funds on our account until XX/XX/XXXX.
We are requesting that 5/3 bank resolve this issue by clearing this incorrect information up with the credit agencies. We were never late on any payments. There was confusion when we came out of forbearance with 5/3 not applying our {$19000.00} in payments toward our open balance. This error is that of 5/3 banks and should not be impacting our credit score. I called and spoke with over 6 personnel between XX/XX/XXXX and XX/XX/XXXX in 5/3 banks customer service department and asked them to apply our funds, with no success.
To date, they have finally applied our funds ( showing on XX/XX/XXXX ) but have not corrected this issue with the credit agency. I have since called on three separate occasions asking them to deal with this issue internally and have gotten nowhere. I have received mis-information, had the call dropped with no return calls, and have received very low quality customer service. No one can tell me why my funds were not applied and no one is giving me a path toward resolution to fix my credit score.
|
| 12/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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I received a letter from 5/3 Mortgage/Bank stating that my escrow payment had a shortage of about {$390.00}. I thought this sounded a bit high, so I did some investigating.
My taxes went up {$160.00} and my insurance went up {$85.00} giving us a total of {$250.00}.
After about two hours on the phone getting transferred from on person to another ( none of which could answer my simple question as to why my escrow went up by more that my taxes and insurance ), I asked to see the math used to calculate this amount.
Since has been a federal law for well over 200 years, I did not think that his would be a problem.
For no apparent reason, they needed me to submit a request to them in writing???
I sent them my request by mail as instructed.
I received a letter fron 5/3 bankdated XXXX XXXX, 2019 stating that an issue number had been assigned ( # XXXX ) and that I would get my requested information in 15-25 days. The letter was from XXXX XXXX, Office of the President.
Nothing was ever sent to me by that time frame. I left messages on XXXX 's direct line on XXXX-19, XXXX-19 and XXXX-19 and the calls were never returned nor any letter ever sent.
I filed a complaint with the XXXX XXXX XXXX on XXXX XXXX, 2019 regarding this issue, and they have 5/3 Bank under investigation at this time.
On XXXX-19 I spoke with XXXX at Consumer Finance.Gov and filled out a complaint form and mailed it in. Apparently it was lost somehow, which is why I am sending this letter again today.
I received another letter dated XXXX XXXX, 2019 on on XXXX-19 ( doesn't that seem strange?? ) Obviously the letter was dated falsely to cover themselves.
This letter was from XXXX XXXX, Office of the President again stating that I would get a response within 15-25 days. I called and left a message on here direct line requesting a response postmarked that day since it had already been 60 days at that time.
Still no response.
It is quite apparent that 5/3 thinks they can circumvent Federal Law, which makes this a Felony offense. Also back dating a letter which was mailed 8-10 days later than claimed ( another Felony? ), not sure on that one.
Please investigate this as soon as possible.
My loan account number ends in XXXX Best Regards.
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX # ( XXXX ) XXXX.
|
| 09/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received a phone call from 5/3 bank that activity had occurred on my account that was flagged as fraudulent. They told me that somebody used my license ( a license that was stolen when my car was broken into earlier in the year and a police report was filed ) at a 5/3 bank branch which resulted in my entire account balance being withdrawn. I asked why somebody who is not me was able to use my license at the branch and they informed me that the bank teller made a mistake because she was, at the time, in training! They apologized and assured me that it would be resolved.
Over the following months, I spent hours on the phone with the bank with no resolution. I told them that ALL activity after XX/XX/XXXX was fraudulent - fraud that was only allowed to occur due to THEIR mistake. The resolution would have been to restore my account balance to it's previous status on XX/XX/XXXX. There were multiple fraudulent activities performed at the bank by the scammer, 3 to be exact, and after many months, I learned that 5/3 bank had only resolved 2 of the 3 fraudulent charges. The result was that my bank account, now deemed " resolved '' by 5/3, was overdrawn and I was being charged overdraft fees. Eventually, they sent the overdraft fees to collections and I started getting collections calls. I finally escalated the case to the " Office of the President '' at 5/3 who was able to stop the collection and negative XXXXredit score effects. However, now I am two months into working with the " Office of the President '' at 5/3, and I still have not received my money back. They are still " investigating ''.
To me, it is as black and white as any case can be.
One day, I had around XXXX $ in my account.
The next day, a scammer used my license stolen ( reported officially in a police report ) months prior at a 5/3 bank branch to drain my account, allowed by a trainee bank teller.
I can not begin to express the burden this issue has had on me, emotionally, financially, and time-wise. This fraud was fully at the fault of the company who for some reason, has been unable to resolve and refund my bank account the XXXX $ that is mine. At this point, 5 months later, this money has been stolen from me by the bank, and I have been robbed the opportunity to invest that money.
|
| 03/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is my second complaint to 5/3 regarding my mortgage. I have experienced nothing but incompetence bordering on negligence. I have follwed the process 3 times over the past 7 months for cancelling my PMI and consistenty am met with no response. I have submitted the form to have a XXXX XXXX XXXX on three occasions, have recieved email confirmation of the submission, and heard no response. When speaking to representatives in that department, I was told they never recieved any documentation and there was nothing they could do. The following is a timeline of my correspondence with 5/3, for which I have records. ( EH refers to XXXX ; EP refers to XXXX ) * XX/XX/XXXX XXXX : Me to EP - Sent first email request to cancel PMI based on LTV ratio * XX/XX/XXXX XXXX : EP to Me - Received automated confirmation receipt of email * XX/XX/XXXX : 5/3 to Me - Received denial letter outlining next step options * XX/XX/XXXX XXXX : Me to EH - Emailed XXXX authorization form following instructions on the denial letter ( first attempt ) * HEARD NOTHING FROM 5/3 for 2 months * XX/XX/XXXX XXXX : Me to EH - Sent follow-up email asking for status * XX/XX/XXXX XXXX : EH to Me - Received automated confirmation receipt of email * XX/XX/XXXX XXXX : Me to EP - Sent second email request to cancel PMI based on information received from two seperate customer service reps who told me my LTV ratio was under 80 %, I was specifically told 79.4 % * XX/XX/XXXX XXXX : EP to Me - Received automated confirmation receipt of email * XX/XX/XXXX : 5/3 to Me - Recieved denail letter outlining next step options * XX/XX/XXXX XXXX : Me to EP - Sent third email request to cancel PMI explaining what was provided by customer service reps * XX/XX/XXXX XXXX : EP to Me - Received automated confirmation receipt of email * XX/XX/XXXX XXXX : EH to Me - Received secure message email explaining that denial is based on principal plus deferral balance * XX/XX/XXXX XXXX : Me to EH - Emailed second XXXX authorization form ( second attempt ) * XX/XX/XXXX XXXX : EH to Me - Received automated confirmation receipt of email * HEARD NOTHING FROM XXXX for 4 months * XX/XX/XXXX XXXX : Me to EH & EP - Emailed XXXX authorization form ( third attempt ) * XX/XX/XXXX XXXX : EH & EP to Me - Received automated confirmation receipt of email
|
| 05/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received a 16-digit {$250.00} offer code ( XXXX XXXX XXXX XXXX ) from Fifth Third Bank in my email. The offer promised a {$250.00} checking bonus for opening a new Fifth Third Essential, Enhanced, Preferred or Free checking account by XX/XX/XXXX if 2 requirements were met : reaching a {$500.00} balance within 45 days, and maintaining a balance of {$500.00} for 60 days. The offer stated that the cash bonus would be deposited into my new checking account within 10 business days of completing qualifying activity requirements.
On XX/XX/XXXX I made an appointment with Fifth Third Bank located at XXXX XXXX XXXX XXXX and opened a free checking account with XXXX XXXX the financial center manager. I also gave her the offer code from my email.
On XX/XX/XXXX I transferred {$560.00} dollars into my Fifth Third free checking account fulfilling the minimum balance requirement and left this money in the account. On XX/XX/XXXX I also transferred an additional {$410.00} dollars. On XX/XX/XXXX I met the 2nd qualifying activity of maintaining a balance of {$500.00} for 60 days.
On XX/XX/XXXX, 5 business days after the last qualifying activity, I contacted Fifth Third by email to inquire about my bonus.
0n XX/XX/XXXX, Fifth Third replied with the following response After reviewing your account, our records do not show bonus offer attached to your account as of XX/XX/XXXX.
Promotions are managed directly through your home Banking Center. For information on a promotion attached to your account, please reach out to your local Banking Center at ( XXXX ) XXXX.
On XX/XX/XXXX, 6 business days after the last qualifying activity, the bonus had still not been posted to my checking account. I contacted the financial manager XXXX XXXX who had opened the account. She indicated that I should have received my bonus by now and that she would open a help desk ticket. She also still had the offer code and agreed to contact me on XX/XX/XXXX with an update.
On XX/XX/XXXX I had not been contacted by XXXX so I initiated contact. XXXX stated that the help desk ticket was still open and that she would contact me if anything changed.
As of XX/XX/XXXX it has been 2 weeks since the qualifying activity and I have still not received the checking bonus nor an update on its status.
|
| 06/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
To Whom It May Concern : I have yet another problem I am submitting to you in reference to 5th and 3rd Bank. They are continuing to cause problems for me pertaining to my XXXX XXXX XXXX XXXX XXXX. I have made my payments on time since last year of XXXX, with the most recent payment made and cleared on XX/XX/2022, please see attached screen shot of my XXXX XXXX Account, transaction circled in Red showing the payment has been made.
However, I received an email today from 5th 3rd Bank stating my account needs immediate attention. I called the customer service number, such that the representative communicated a payment has not been made and that I owe XXXX $ She asked if I had made a payment.
I replied, I made a payment and it cleared my XXXX Bank Account on XX/XX/XXXX.
The rep communicated that the payment was applied to the principle and not to the car payment. Additionally, she asked me if I select principle.
I replied with extreme stress, I do not know what you are talking about. I made my payments on time all the time doing the same steps as always in the portal making my car payments.
I am very stressed and angry at the 5th 3rd banking operations as they seem to change constantly. Either log in operations change or now payment operations change.
I can not by any means afford to make a XXXX payment. They need to apply my car payments to the car payments and NOT complicate matters by asking questions with respect to how a payment is applied. I do not understand, its a car payment, not rocket science, as it should be simple, such as the following steps : 1. ) Log into Account/Portal 2. ) Select Amount to be paid, which I always select XXXX 3. ) Select Payment type.
4. ) Apply payment and submit.
How hard is it to have 5th 3rd bank comply with making a simple auto payment. I never in my life experienced such problems with a bank institution before.
They need to apply my Car Payments to the Car Payment, and, not cloud matters that are un related.
The rep offered no solution, expect to ask me to make additional payment, which is unacceptable.
5TH AND 3RD BANK IS TO DO THE FOLLOWING : 1. ) APPLY THE PAYMENT ALL PAYMENTS ALL FUTURE PAYMENT TO THE CAR PAYMENT AND NOTHING ELSE.
2. ) CORRECT AND UPDATE MY CREDIT REPORT 3. ) REMOVE ALL ADDITIONAL FEES.
|
| 08/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2023 ] Customer Service Department Fifth Third Bank [ XXXX XXXX XXXX, XXXX, OH XXXX ] Subject : Request for Assistance with Check Fraud and Reimbursement of {$2500.00} Dear Customer Service Team, I hope this letter finds you well. I am writing to inform you about a concerning situation involving my Fifth Third Bank account. I have recently become a victim of check fraud, and I am seeking your assistance in resolving this issue and requesting reimbursement for the fraudulent transactions.
On XX/XX/2023 I discovered unauthorized activity on my account involving a fraudulent check that were written in an error of employer and deposited with XXXX XXXX XXXX consent but was no funds in secondary account so XXXX XXXX XXXX accounts at fifth third has a lock and block on card. These transactions also have resulted in a loss of {$2500.00} from my account. I take this matter very seriously and promptly reported the fraudulent activity to the local authorities and obtained an official police report.
I understand that Fifth Third Bank is committed to safeguarding its customers and providing support in cases of fraudulent activity. I kindly request that you initiate an investigation into the unauthorized transactions on my account and take appropriate measures to secure my account from further breaches. Additionally, I am requesting reimbursement for the full amount of {$2500.00}, which was unlawfully withdrawn from my account due to this fraudulent activity.
Please find attached copies of the relevant documents, including the police report and any other supporting evidence. I am fully cooperating with the authorities and am prepared to provide any additional information required to expedite the investigation.
I trust in Fifth Third Bank 's dedication to maintaining the security of its customers ' accounts and resolving issues promptly. I kindly ask for your assistance and support in this matter. I believe that with your expertise, we can swiftly address this situation and ensure that I am rightfully reimbursed for the unauthorized transactions.
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.
Sincerely, XXXX XXXX XXXX
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
FIFTH THIRD BANK violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), and 15 U.S. Code 1681 ( A ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave FIFTH THIRD BANK any written consent to report anything on my consumer report. No consent is Identity Theft.
Pursuant to 15 U.S. Code 1681 ( A ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.. This law is stating that our consumer reports are our reputation. Under 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave FIFTH THIRD BANK any written consent to report anything on my consumer report. No consent is Identity Theft. You reporting something on my report without my consent is negatively impacting my reputation. This is a violation to my rights. Also, the debt listed below is a bad debt, so it is definitely hurting my reputation.
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| 07/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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On or about XXXX XX/XX/2020, and XX/XX/2020 I made two mortgage payment to 5/3 bank. The fist payment amount was for {$690.00}, and the 2nd amount was for {$690.00}. Two months payment for the month of XXXX were made erroneously due to a computer malfunction. One payment was only meant to be made. The computer at that time did not show a curtailment had been made to the account and the new payment amount was not reflecting when I made those payments.
After about a week I checked my bank account and realized that I had made two payments instead of one. I was okay with making two payments. I was hoping that one payment would be for the month of XXXX. After about a few days I started getting phone calls. I didn't answer because I was working. I called back later only to be informed that my payment had not been made. I spoke to a representative the first time ; who explained to me that I had made an incomplete payment. So she suggested that I take money from principal and apply it to the payment. I agreed since it seemed like the most logical choice. A few days passed and I received another call from 5/3 bank. Asking why I had not made my payment. I explained to the second representative that I had spoken to someone already. They told me they had no record of it. I called the customer service back again. I was explained that my original request was denied because the way the first representative applied the payment was incorrect. By this time I am on the 3rd or 4th representative. I asked her what I needed to do to ensure that I am not late or that it reflects my credit report. She advises me again to take money from the curtailment and apply it to the XXXX 's payment. Which again I agreed. After, two days I get another call from 5/3 bank asking why I had not made a payment. At this point I told the representative to please check his notes before I spend 30+minutes on the phone explaining the same thing for the 3rd or 4th time. He initially told me he couldn't see any notes. I asked if their systems don't talk to each other. After a few minutes ; he goes on to say, that " he does see the notes ''. I asked him if he could please make a note to ensure that I have spoken to a customer service representative and to please stop harassing me during work hours.
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| 04/06/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against FIFTH THIRD BANK for committing identity theft. I have never given FIFTH THIRD BANK any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from FIFTH THIRD BANK before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If FIFTH THIRD BANK can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ).
The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnish ofinformation & 15 U.S. Code 1681e ( b ).
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FIFTH THIRD BANK can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FIFTH THIRD BANKcontinues its collection efforts, I will file for litigation for actual damages caused and FIFTH THIRD BANK will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 05/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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This complaint is about a Fifth Third credit card Three months ago they charged me a {$1.00} fee and a {$29.00} late fee. As I have not been late with a payment in over 40 years of credit history I called them to determine what had occurred. They advised that there was a " glitch '' in the system and that not just me, but all of their consumers had not received their e bills that month. They apologized and refunded the late fee and the {$1.00} fee.. I made a formal complaint and received a written response from XXXX XXXX at the Office of the President dated XX/XX/XXXX apologizing.
The following month I received another {$1.00} fee. I called to determine what this was for and the CSA advised that my payment was late. As I paid the bill THE MINUTE that I received the email notification that it was due, I was stymied. The CSA advised that it takes them 5 days to process online payments and thus the payment would be late. I responded that obviously then they are sending the e bills out too late if there is no way to pay the bill on time, even if paid within minutes of receipt. I began to understand that this is not in fact a mistake but an unethical ongoing practice. They once again apologized and reversed the fee..
For the third month is a row I received a {$1.00} fee once again on my statement. This time I was told that it was " interest ''. I advised that I had an interest free offer until XX/XX/XXXX and should not be being charged any interest. The CSA had no explanation. I asked to be transferred to a supervisor and I was advised that no supervisor was available. The fee has not yet been reversed although the CSA advised that it would be. A new statement is arriving by ebill on XX/XX/XXXX and I have no doubt that once again there will be a {$1.00} fee. If they are doing this to each and every consumer they are stealing a great deal of money, now in a pandemic crisis. This is clearly an unethical policy and NOT a series of mistakes. The other consumers that are more overwhelmed and diligent than myself probably have no idea that this is happening to them. I am thereby making a formal complaint and requesting that you launch an investigation into Fifth Third. All fees extracted from consumers should be returned to them as well. Thank you.
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| 10/30/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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On XX/XX/2019, I opened a new checking account with Fifth Third Bank.
On XX/XX/2019, I tried to add an external account ( in my wife 's name ) online so that I can fund the newly opened checking account.
On XX/XX/2019, the external account was sucessfully verified ( Fifth Third Bank made two small deposit and asked me to verify the amount, to make sure I have access to that external account ). Then I initiated a transfer of {$1400.00} from that external account ( XXXX XXXX XXXX ) to the Fifth Third checking account.
On XX/XX/2019, I was notified by email that the transfer did not complete, and my checking account was suspended for money transfer temporarily. It asked me to contact Customer Service at XXXX to resolve the issue.
I immediately realized that I should not have tried to transfer money from an external account that was under my wife 's name to the Fifth Third checking account under my own name. I truly understand that some bank has such policy for security purpose.
Then I called the number, but the associate insisted he did not see anything wrong with my account. After escalating the issue, he confirmed my guess that it was because the external account I tried to transfer money from was in a different name than mine. But he ensured me that the issue was resolved and I should be able to use it after a few minutes, log out and then log in again.
It never worked. After a few days I still could not use the money transfer service. So I called the customer service again. This time was even worse, because the associate had no idea what was going on. I explained that because of my mistake, my transfer was suspended and asked her to help reinstate it. Again she insisted that there was nothing wrong with my account, and she kept asking me to change web browser, and clear cache and cookies. I did what she told me to, and of course it did not help. Then she escalated again, and when she was back, she told me that a new account less than 30 days old does not have the online money transfer function. And if I wanted to fund that account, I would have to go to a branch to deposit a check or cash! I was totally unsatisifed with the answer, because that was not right! She did not know what was wrong and she did not know how to solve it.
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| 02/24/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/2016 I transferred money out of a joint account with my husband since he was stealing my inheritance in large chunks. I opened an account online in my name along with a friend to meet insurance issues ( two people on the account in case something happened to me. On XX/XX/2016 my husband went into Fifth Third Bank XXXX, TN and as he leaned over the teller desk some, the teller turned her screen to let him view my account, MY ACCOUNT not his. I was recovering from XXXX XXXX at the time. In a few days I moved the money back to our joint account but that's not the issue. When I was well enough, I wrote checks to other banks to deplete funds there but first I gave them three weeks to simply open a {$1000.00} savings account for my friends first grandson as a gesture of making things right for both of us. They refused so I moved all money. This has ended in a divorce between my husband and I and him taking {$440000.00} from me. I first reported this to the FDIC and they suggested bringing it here. FDIC however reported it to the bank and I got a letter stating that I was in the bank with my husband which was a complete fabrication unless he had another woman with him and I don't think so. I responded to them that I was not in the bank. I have yet to hear anymore. I expect them to reimburse my {$440000.00} in lieu of a lawsuit. In the meantime for the divorce proceedings, I am in need of statements from my accounts and it's like pulling teeth. Fifth Third Bank breached my privacy and I want things made whole for me or I will seek litigation. XXXX XXXX is the branch manager and greets me with discourtesy when I enter the bank. XXXX XXXX in the office of the president has been getting me copies however it has taken 4 or 5 batches to get everything. The least they should do is get me statements without a hassle. Bottom line, Fifth Third Bank breached my privacy causing me a divorce and {$440000.00} plus now {$20000.00} so far in legal bills. Short of a lawsuit, they need to make {$500000.00} up to me now without any more stalling or deceitful acts.
Sincerely, XXXX XXXX XXXX I will call for their charter to be revoked in a lawsuit and this manager and the teller to lose their jobs. They have caused extreme and unusual stress in my life.
XXXX
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| 04/29/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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In XXXX, I was going to school at the local XXXX college for my XXXX XXXX XXXX classes. They did not have Public funding for Student Loans in that Summer, so I had to get with a Private Student Loan company " XXXX XXXX XXXX XXXX XXXX '' to get a loan.
They have been trying to get their money from me ever since, which I don't have a problem with because I Know I owe them money and I will pay once I start working. The problem is that I had a baby in XXXX, XXXX and now I am a XXXX XXXX XXXX XXXX. So I am not working.
They have taken our case to Civil Court with XXXX County. The Case # is XXXX-XXXX-XXXX-XXXX in the Civil Division. My bank which is Fifth Third Bank send me the court document. It was a " Writ of Garnishment ''. So they got into my Bank Account and froze XXXX on XX/XX/XXXX. The garnishment order is for {$2900.00} but I spoke to XXXX at XXXX and XXXX PA in XXXX XXXX FL and I talked them down to settle with me for {$1500.00}.
I really do want to pay them, I just don't have the money right now. I could possible pay monthly for $ 30- {$40.00} a month but I don't think they are going to accept that, so what can I do? I need HELP. Representation someone that can verify that to them that I am a XXXX XXXX XXXX XXXX for my son and that I am not able to pay right now except $ 30- {$40.00} a month, but I plan on getting a job as soon as my son is a little older, like 4, so in XXXX I can pay more.
But I don't think it's fair that they are Garnishing what little money I have to Live On. I get {$200.00} a week from my Mother for Living expenses for my son and I ... ..I can not give them that money. I need it to Live on. My fiance pays the bills and he is not responsible for MY EDUCATION EXPENSES, I am. And I do promise to pay in the Future or even a little now for good faith. What can I do?
I am definitely in a predicament.
My Representative at XXXX and XXXX is " XXXX ''. The number there is XXXX XXXX XXXX XXXX. Her extension is XXXX. We spoke around XX/XX/XXXX about settling for {$1500.00} but after further thought I am not able to because that is money I need for my Wedding in XXXX.
Can you please help? Call me at Home if you can XXXX XXXX XXXX or my cell XXXX XXXX XXXX.
Thank You!
XXXX XXXX XXXX '' XXXX XXXX former student
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| 08/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I satisfied the total payment of this loan on XXXX after being assured by Fifth Third bank that my title would be sent to me, via postal mail, upon payment of the loan.
I was told the title would be sent to me within 10 business days of payment ( note that I paid this loan off 3 years ahead of time. It was a five year loan that was satisfied in two years. Well ahead of schedule ). On Monday, XXXX, I called Fifth Third bank to request a status update and I was assured that the bank contacted the XXXX and provided the loan release document. The CSR I spoke with indicated that the XXXX is sending my title and that no further action was required.
On Monday, XXXX, I called again to request an update and was informed that only the lien release would be sent to me and that Id have to visit the XXXX XXXX to obtain the title. This is not consistent and is an undue burden as I have moved out of state to a new location. The CSR I spoke with on Monday, XXXX was named XXXX ( last name unclear ).
I currently live in XXXXXXXX XXXX and explained this to the CSR and the CSR stated that he would again request the loan release document be sent to me but could not help with any details regarding title.
Bottom line : Ive been given inaccurate information across a multitude of CSRs since paying my auto loan and I have nothing to show for it ( no title, no lien release document ). Im attempting to register this car in XXXX XXXX and now I may be forced to return to XXXX to obtain title. This will require transportation costs, time, and time away from work ( and expenditure of my limited vacation time ). The burden is huge. Had I known this ( eg. Had Fifth Third appropriately explained the process prior to pay-off instead of providing false information ), I wouldnt have paid the loan until the title transfer process was complete. Now, with no longer having that option available, Im stuck with no title and no lien release document and possibly having to travel a significant distance to obtain my title ( for a vehicle that I rightfully own and paid for ). Further, having reviewed similar complaints, it sounds like Fifth-Third bank routinely provides false information to consumers and causes an undue burden and confusion to their customers. Its unacceptable.
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| 10/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My complaint is in reference to Fifth Third Bank and their remitting payments to our homeowner 's insurance company ( XXXX XXXX ) from our escrow account.
My husband and I closed on our house on XX/XX/20. We identified XXXX XXXX as our homeowner 's insurance and set up automatic payments from our account prior to closing.
After closing, our mortgage was sold to Fifth Third Bank. On XX/XX/20 Fifth Third Bank communicated with Traveler 's and discontinued our automatic payments. They requested a direct bill. My assumption is so that they could pay XXXX XXXX from our escrow account. We were not notified of this change.
On XX/XX/20 I was notified by XXXX XXXX that my policy was pending cancellation due to non-payment. I called XXXX XXXX to understand and was informed of the above. While I was on the call with XXXX XXXX, they called Fifth Third Bank who promised to remit a payment.
One week later, approximately XX/XX/20, I checked my XXXX XXXX account, still not paid. My husband called XXXX XXXX again. Again, while he was on the phone, XXXX XXXX called Fifth Third Bank who promised to remit a payment. At this time, Fifth Third Bank admitted that they had been confused about the amount to pay but promised to remit the payment.
On XX/XX/20 the bill still was not paid. My husband called XXXX XXXX again, who again called Fifth Third Bank. At this point our insurance was scheduled to be cancelled on XX/XX/20. Fifth Third Bank promised to send payment and assured him that it would be posted by XX/XX/20.
On XX/XX/20 the payment was still not reflected in our Traveler 's account. I called XXXX XXXX to see if there was a delay and they still had not received it. Fifth Third Bank informed us that they had sent an overnight payment to XXXX XXXX on XX/XX/20. Traveler 's agreed to suspend our billing so that the insurance was not cancelled and felt confident that they would receive the payment by XX/XX/20. They set our billing to resume on XX/XX/20, meaning if payment was not received by then, our account would be canceled.
As of XX/XX/20 the account is still not paid. At this point my husband and I will likely pay the bill out of pocket so that we do not have any interruption in our insurance. I ave never dealt with such an inept company.
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| 05/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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In early XXXX our mortgage was apparently transferred or sold to another company. We were unaware of the change. We continued to make ALL PAYMENTS monthly the same way we had been doing. We paid every month to date, we have no outstanding payment due. The new company is called Fifth Third Bank, a company which we had never head of. We sent all payments to the previous addresses used for payments : XXXX XXXX XXXX XXXX, OH XXXX and XXXX XXXX XXXX XXXX, OH XXXX The following problems have occurred from early XXXX until the present date : 1. Fifth Third Bank has not cashed some of our checks which we have mailed.
2. Fifth Third Bank cashed some checks, but did not credit the payments, and instead marked the mortgage as unpaid, and improperly added additional fees and late charges 3. Fifth Third Bank has sent some payments back to us in the form of a check. To date as of XX/XX/XXXX, we have received 3 checks sent back to us : 1 check near the end of XXXX, in the approximate amount of {$4600.00}, 1 check XXXX of XXXX approximately {$4600.00}, and one check XX/XX/XXXX in the amount of {$15000.00}. Please note that these amounts for the 3 checks returned to us does not equal the total amount of payments we have sent to this company, and does not reflect the total payments that we confirmed the company received and cashed in the form of cleared checks. ( See evidence included of check payments confirmed cashed ) 4. We have made repeated attempts to pay all monies due in full, and the company either refuses to credit our payments, but does cash the checks we send, and improperly adds additional fees.
5. This company has fraudulently initiated a foreclosure proceeding despite the fact that we have SENT ALL PAYMENTS DUE TO DATE, and the fact that WE HAVE THE MONEY TO PAY - and that we are trying to pay all amounts due in full.
I am on oxygen 24 hours, 7 days a week. I am over XXXX years old and also have extremely bad XXXX. This has been very troubling to me and has negatively affected my health. We have the money to pay what is due, we have always had this money and we have been attempting to pay the money this entire time. This company is committing fraud by falsely adding additional fees and cashing our checks but not crediting our payments.
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| 06/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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I changed my XXXX XXXX XXXX XXXX on XX/XX/2023 to save money as I am a XXXX, XXXX XXXX XXXX on a fixed income. On XX/XX/XXXX I received a refund check from XXXX, my previous insurance company for XXXX. My new policy is an annual premium for XXXX. My insurance provider suggested I contact my Mortgage company, Fifth/Third to see what I had to repay to escrow if anything. Upon contacting Fifth Third mortgage they started making statements I did not agree with. Specifically they said I had to give them the full amount of the XXXX! They put me in contact with an associate in the Escrow Department, XXXX on XX/XX/2023 to explain and continued with the full amount of the check is what they needed and paying them if I could from my resources would be best. At great duress I gave in and paid them from my personal account which left me quite low in my personal checking but I did deposit the refund check.
The issue is if all I had to do was replace the insurance portion of the Escrow it should have been XXXX for a full year only. Taxes and insurance are collected monthly and should be in the Escrow account! But after review online of my account it appears they took all of the XXXX refund and utilized it my account with NO agreement from me or valid or any explanation that made sense. This is wrong and very shady. I still have no idea what they are doing or why. Again as you know taxes and insurance are paid monthly why would they devour the whole check? Why did they push, hard for the full check? Even the amount of XXXX would seem high to me as they have collected 6 months of insurance premium I should be paying them XXXX for the rest of the year which is crazy as well because again they collect taxes and insurance monthly.
Per my account as of today XXXX it looks as though they've applied part of the check to an additional monthly payment on XX/XX/2023 I did not agree to. I paid my XX/XX/2023 payment on XX/XX/2023 and they've put the rest in curtailment? Help!! Something is very wrong. The Mortgage Company Fifth Third is giving me health issues my stress level is high they are making my XXXX XXXX shoot to way above normal.
Also this Company calls, emails in an unreasonable amount before my payment is due monthly to the point of harassment!
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| 10/04/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Fee problem
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Web |
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On XX/XX/XXXX I opened an account online with Fifth Third bank with an offer code for a bonus of {$250.00} for maintaining a checking account with a minimum of {$250.00} for 60 days.
On XX/XX/XXXX after confirming on phone that my promotion was valid ( it did not show up listed on my account at the time ) I made a transfer of {$250.00} into my Fifth Third Bank ( no fees were accured for making that online transfer ) On XX/XX/XXXX they credited me my {$250.00} minus {$60.00} for tax withheld.
There is where the nightmare started, as for the next months I was told various reasons why until contacting XXXX XXXX. I was finally told it was because I hadn't sent in a tax paper. They had ALL information, address, social security number etc.prior to this date.
I was then told just send it in and they can give me my {$60.00} even though I was never contacted that they were missing anything for the 3 months I had the account. Plus I had called to make sure everything was signed correctly on XX/XX/XXXX at XXXX XXXX and was told it was.
It is now XX/XX/XXXX and after sending on the paper I have still not received my {$60.00}.
I then had enough and went to close my account, I wrote online and called to find out what I needed to do. I was told to have a {$0.00} balance and to wait until it had cleared. On XX/XX/XXXX I put in a transfer of my balance ( {$440.00} ) to XXXX. XXXX. There was NO mention of a {$3.00} fee online and I will enclose a picture of my transfer details sent to my email.
On XX/XX/XXXX I see my - {$3.00} for my balance! I call the XXXX number and speak to a rep. who says she is sorry i was mischarged and she is putting a reversal charge of {$3.00}. She tells me to wait 2 to 3 business days and then I will have a {$0.00} balance snd can close my account.
On XX/XX/XXXX nothing had changed in my account. I call the same number and they tell me they have NO exchange of the telephone call on the XXXX and even if I had called that person lied and they cant reverse the fee! I then decide to write in what had happened. I also called XXXX XXXX. I got no response from her so I am writing in.
I would also like to add that there is missing account info as my orginal payment and opening of account as I will send in those pics too.
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| 07/24/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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In XX/XX/XXXX I worked with the local Fifth Third Bank branch as my commercial loan that is guaranteed personally was ballooning as it was a 5 year note. When I went to the branch to sign the refinance papers, XXXX XXXX advised they could n't complete the refi because of a tax lien that showed up on title and that I would have to work with the Special Assets Group ( SAG ). I worked with XXXX XXXX in SAG to complete an extension and he advised me he did n't know why this was in SAG and would refer it back to the branch. 9 years and XXXX extensions later, SAG is now foreclosing on my business property. Through each extension, the interest rate increased from 8 % to now 15.5 % and the fee gouging with each extension has gone from {$1000.00} up to {$2500.00} per extension plus a fee to complete the execute of the extension. Due to the significant increase in principal and interest demands beyond my financial means, I have sold my home and moved my family to a small dwelling to try and maintain this loan. The IRS did not accept an offer in compromise with the selling of my home, but has agreed to subdordinate to Fifth Third if they would modify into an amortizing loan. Fifth Third SAG officer, XXXX XXXX advised they do not modify loans and they " no longer want to do business with XXXX XXXX XXXX '' although I have been a paying customer since XX/XX/XXXX with multiple loans and accounts. I am a XXXX year old veteran and the recession hit my new construction painting business hard. I have XXXX children I provide for and have had no choice but to stop paying due to their predatory practices. The property that is collateral for this loan is necessary for my business to continue to be successful and provide for my family. It is a business operation I use to finish products for new construction, maintenance and storage for my company. With the monthly payment required of {$1600.00} on a {$55000.00} loan I can not keep up with the banks demands and care for my family. I am currently working with the IRS representative XXXX XXXX to request a withdrawal of lien in hopes Fifth Third Bank will modify the loan. The threatening emails and constant demands for a deceptive and unfair payment has jeopardized my business and livelihood of my family.
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| 09/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Approximately six ( 6 ) months ago my home mortgage was purchased by Fifth Third Bank.
Several months ago I set up automatic payment of my mortgage from my checking account.
My mortgage payment is scheduled to be paid on the XXXX of each month.
On XX/XX/2022 I received an email from Fifth Third Bank informing me that my " account ending in XXXX requires prompt attention '' and that I should take one of the following actions as soon as possible :. Go to XXXX, or any Fifth Third branch to make a payment today .Give us a call at XXXX, option 3 to discuss your account. We're available Monday Thru Friday, XXXX to XXXX.
.Mail us a payment by check Over the past several days I have contacted Fifth Third Bank to find out why I was sent this email. I was transferred to at least 5 different department. During my first call I was informed by the representative that my XXXX payment had not been made. I told the representative that I had automatic payments for the XXXX of the month already set up. He again repeated the same thing and only after asking him to check again did he see that my payment was set up to be paid the XXXX of each month.
However, I had still not yet received an explanation as to why I was sent this email.
Also, it is my understanding that any communication sent that is an attempt to collect a debt must state this fact ; there was no such statement on the email I received.
Again today I called back and was transferred to several number.
Finally, the last person I spoke to said that the email I received was just a " friendly reminder '', and that, if in fact I had a payment scheduled, I could just ignore it.
She explained that it is the procedure of the bank to send out " friendly reminders '' when a payment is not received on the XXXX of the month.
I told the representative that I considered this sort of communication as harassment, and a waste of time on the part of the bank.
I further indicated that based on what I had been told that I would receive these " friendly reminder '' emails every month.
I again asked as to why the bank would waste their time to send a " reminder '' to a customer whose payment was not yet due and was in fact scheduled.
Not receiving an answer, I terminated the call.
|
| 04/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX XXXX, XX/XX/2015 I sent a letter informing Fifth Third Bank not to process my payments. electronically anymore. This letter was sent certified mail and I had the receipt from where I sent the letter certified mail on XXXX XXXX, XX/XX/2015 My receipt shows that Fifth Third Bank received and signed for the mail on XXXX XXXXXX/XX/2015. In that same letter I enclosed my mortgage payment for the month of XXXX in the amount of {$1700.00}. Fifth Third Bank cashed that check on XX/XX/2015 it cleared my account. On XXXX XXXX, XX/XX/2015, which is more than 3 business days after they received my letter, Fifth Third Bank tried to make an electronic transfer in the amount {$1700.00} which is also an incorrect amount for my mortgage payment. This is clearly a violation of the Electronic Funds Transfer Act 12 CFR 1005.10 ( c ) ( 1 ) Consumer 's Right to Stop Payment. This states that " A consumer may stop payment of preauthorized EFT ( electronic funds transfer ) from the consumer 's account by notifying the financial institution orally or in writing at least 3 business days before the scheduled date of transfer ''. As a result of Fifth Third Bank trying to complete an EFT for an amount to cover my mortgage which had already been paid, I was charged {$30.00} from my bank with who I hold my checking account ( XXXX Bank ) for insufficient funds. Now Fifth Third is calling me and trying to collect additional money as well because the check did not clear. I have called and talked with several representatives who are either refusing to help ( just trying to collect more money XXXX or saying they can not help. I have explained to them that my mortgage payment for XXXX is not due yet and XXXX representative was saying the EFT that they tried to process was for the XXXX payment. I have explained to them I will continue to pay my mortgage monthly but by check and I will no longer use EFT. Fifth Third Bank should also have to reimburse me {$30.00} to make me whole as a result of my insufficient funds charge with XXXX due to them violating Federal Regulation regarding the Electronic Funds Transfer Act. I have copies of the letter mailed, as well as the certified mail receipt PS Form XXXX, Domestic Return Receipt if they need to be provided.
|
| 06/09/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
on XX/XX/2023 I went to my local 5th 3rd bank on XXXX XXXX, XXXX, IL and requested {$1200.00} to be wired to my cousin 's bank account in XXXX so he could pay my property taxes for the home I have there. The wire transfer was returned due to the local bank had input the wrong bank account number and XXXX number even though they had the printed document from my cousin 's bank with all the proper information. I found this out because my cousin said he never received the money, so I looked at the receipt the bank gave me. I called the bank and they looked into this and told me the wire was returned. I told them to cancel the wire as I had to give my other cousin who was out here visiting a check for {$1200.00} to give to my cousin so he could pay the taxes on time. Then at the end of XXXX the local bank called and wanted me to verify the bank account numbers, at this point I told them to cancel the wire, again, which they said they would do, then in XXXX I receive notice that they wired the money again, and it went through, I was upset as I told them to cancel the wire, which again was never done, I let my cousin know to watch for the money and to date, he has not received the {$1200.00}. I have tried multiple times to resolve this with the bank through their wire dept and dispute department, but no resolution, pretty much, I am out the money and they can not provide any documentation or information on their research that lead to them denied my dispute as to where the 2nd wire went, who did it, etc., no swift report, etc., and said I can not have copies of these documents. I asked to be transferred to their claim department to file a claim under their Errors & Omissions coverage as this was their mistake originally providing the wrong bank information as well as I did not authorize for them to put the wire through again and was never given any receipt for the 2nd wire transfer and I was told they don't have a claim department. So here I am out {$1200.00}, this is a major loss for me as I am XXXX XXXX XXXX with a very limited income. I am beginning to think that the local bank may have taken the money as they would not do what I told them to do and they keep trying to cover up their mistake.
Time to look for a new bank!
|
| 08/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX, d/b/a XXXX XXXX FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX This firm called my elderly mother looking for me, she 's in XXXX, I 'm in XXXX. They tried to have her " identify me '' by telling her my former addresses ( what? ). They told her I need to sign a legal or court document called a " Preliminary Notice of Further Action '' regarding a debt w/in 72 hours. They left a number for me to call back.
I called it and was told this is XXXX XXXX ; we were hired by someone who is collecting a debt for 5/3Bank. ( I googled XXXX XXXX and found on page XXXX the FTC data ). XXXX said they were calling " to establish my direct refusal to pay ''. I asked him to ID the debt before I refused to pay it, he gave me XXXX digits, I said this does n't help. I asked for the nature of the debt, he said an installment loan. I said I never had an installment loan - I 've had many accounts with 5/3, but most were deposits and my HELOC was repaid 4-5 years ago in full. He said he would recommend that his client file a " Preliminary Notice of Further Action '', then. I asked what that was and said he should hold off and just send me a proof of debt, he refused, and said it would take too long. I told him I pay my debts if I owe them - I then asked him to read the itemization on this account. He said he would email my file to me if I would read it now. I was at work, and told him that 's not a secure way to transmit this info, and again asked him to mail me his records. I asked how else can I determine what the account he has is. I do n't think I finished before he hung up on me.
I have been called by XXXX-XXXX other collection firms over 3 years about a phantom 5/3 account. I always ask for proof of the debt and an itemization of charges because I do not know of any current 5/3 debt. After that I never hear back from that collector.
My poor Mom is freaked out, she wants to know if I need money or if I 'm in trouble, she 's unnecessarily worried. I 'm fine, healthy, well employed and do not need her help.
This XXXX! I need your help!!.
I called 5/3 and was told they have no active accounts of mine, but they might have sold some debt, or maybe not. I asked what debt and was told " maybe not ''.
|
| 03/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My Fifth Third Bank HELOC had an advance block placed on it XX/XX/XXXX with no explanation given, only {$14000.00} of an available $ XXXX owed, never a late payment and I have verified by 5/3rd XX/XX/XXXX score of XXXX as of XX/XX/XXXX. I was told by my local branch there was nothing they could do to review that block even if it was an error but because my credit was good I could refinance my mortgage to ensure continued access to my home equity if wanted and lock in a low rate as I currently had an ARM. I knew rates were low and likely to start moving up so if I did do that I wanted to get locked in ASAP. I was referred to XXXX loan officer XXXX XXXX NMLS ID : XXXX. I spoke with her on the phone on XX/XX/XXXX and after explaining the situation she told me I would qualify for a cash out refi with my income and credit score. I asked her specifically what rate would I be locking in if I got my app in that same Friday and she told me 2.99 % and even said if I got it in before Monday I'd get the Friday rate. On Mon. XXXX I get my 1st loan estimate and it's for a rate of 3.25 % and it's not locked. I immediately email her to ask why the rate is different from what she quoted me and why it says it's not locked when she specifically said I'd be locking in the Friday rate. After 10 days of trying to get an answer about the difference in rate & lock she finally replies to say the rate is different because it is cash-out even though that was the only type we discussed and the only type I could get as I had a now frozen HELOC to pay off, she says nothing about the lock status. After another 5 days asking if it is at least locked in she lies and says it is locked even though my original loan estimate clearly says it isn't, " Your rate is locked. I am running the numbers to see what makes the most sense with the rate you currently have. '' then she drops the loan amount by $ XXXX from the original $ XXXX I applied for & adds a {$2800.00} ( full point ) fee to lock it in at 3.25 % in a new loan estimate effectively trying to make me pay thousands more to buy down the rate because of the fact that she didn't lock it in to begin with as I specifically requested. I called her out on this on XX/XX/XXXX and she has yet to reply to me.
|
| 04/18/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Received a letter fro m Fifth Third B ank in XXXX saying my mortgage payment will be adjusted down beginning in XXXX . I sent the agreed amt as payment at the end of XXXX but got a letter saying my payment amt was short. I subsequently called and agreed to send an additional amt to bring my payment up to the agreed amt. Thinking everything was over, I was surprised to get letters in the mail dated XXXX XXXX and XXXX XXXX saying my loan was in default. I got another letter dated XXXX XXXX that my payment has been posted, any late fees have been waived and credit bureau corrections have been made. I also got a check for {$1100.00} dated XXXX XXXX . I called Fifth Third a nd explained that I got a check in the mail and was told that my payment was up to date. I then got some paperwork hand delivered to my home regarding mortgage payment assistance. I called Fifth Third a gain on XXXX XXXX and tried to clear up what was going on. I was told that I am missing my payment for XXXX so I told her I will send the payment my regular time at the end of XXXX along with another {$1100.00} which would represent a return of the {$1100.00} check sent. I followed up on my commitment and sent the payments. On XXXX XXXX I got a notification from my bank that my acct was overdrawn. I checked and discovered that a stop payment was placed on the check that was deposited. I calle d Fifth Third an d asked that the additional amt of {$1100.00} which represented the check sent to me be returned to me since they already put a stop payment on the check. Since then I have called XXXX XXXX , XXXX XXXX , XXXX XXXX and to date, XXXX XXXX , I have not received my check. I was told the check will be mailed XXXX XXXX . When I called XXXX XXXX , I was told the check was mailed XXXX XXXX . When I called XXXX , I was told again the check was mailed XXXX XXXX . Today is XXXX XXXX and I am yet to receive my check. I explained that due to this incident, my other utilities were not paid. I explained the urgency of the situation including the possible effect i t may ha ve on my job. It has all fell on deaf ears. This situation is very distressing and has severely impacted my job and my family ...
|
| 09/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have several bank accounts with Fifth Third Bank. The account that I use to pay my bills from went into overdraft when a client failed to pay for my services. There is overdraft protection for this account ending in XXXX linked to my XXXX checking account. That is the only overdraft protection account that I authorized.
I am currently unemployed. The stress of that is more than enough. I do not qualify for unemployment as it was a contracted consulting job. As I have been getting money, I have been paying down the overdraft on the XXXX account.
I had {$100.00} in my savings account. I went into my account to transfer money to one of my checking accounts and found that my money had been taken out of my account by the bank. That is all of the money that I have left.
When I contacted the bank, they essentially told me that they could move money from my accounts without my authorization. I know that is incorrect. Taking without permission is theft - plain and simple.
First they tried to say that I had set up overdraft protection using my Savings Account. In the entire 8 years that I have been banking with them have I linked overdraft protection to my Savings account. When I pushed for them to provide documentation showing that I authorized overdraft protection to be linked to my bank account, I was told that they do not have access to such documents.
Then the representative came back and said that I was correct. Overdraft protection was only linked to my Checking Account ending in XXXX. How can he tell me this when moments before he claimed that he had no access to such documentation?
I requested for my money to be returned to my Savings account. He told me that they would not return the money to my account because they moved it into the account that has a negative balance.
How can anybody besides me authorize activity on my bank account? If that is the case, anybody can just go in and manipulate my account at will. I have enough sense to know that this is not legal.
Another practice with Fifth Third is charging overdraft fees if an assessed maintenance fee overdrafts an account. How can they do this? This is an option offered by their bank. How can they charge overdraft charges on maintenance fees?
|
| 07/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have been paying our XXXX mortgage payment, every month on the XXXX of every month for nearly 9 years.
Recently, we have a competency issue with the XXXX mortgage division regarding knowingly taking an extra mortgage payment in XXXX, on XX/XX/XXXX, after we sent our payment by check for the same amount ( {$3500.00} ) on XX/XX/2018. ( all proof of the " 3 mortgage payments in 2 months '' with bank statements ) is attached. ( The only reason why we mailed a payment in XXXX, was because the Settlement company for the people buying our house called and ( WITHOUT NOTIFYING US, XXXX bank must have (?? but no one told us ) changed our auto-pay date to the XXXX of the month.
PLEASE NOTE : We did not complain about the extra payment in XXXX, we saw that we were paid for XXXX in XXXX Bank Mortgage 's system until XX/XX/XXXX. This appeared to cover the XX/XX/XXXX payment then. Imaging our shock in the morning of XX/XX/XXXX when I saw that XXXX bank was swiping an XX/XX/XXXX payment then from us on XX/XX/XXXX!
We immediately called XXXX Bank Mortgage on Monday night XX/XX/XXXX and the call was difficult because of their rude staff, who blamed us for their mistake. Finally, we were transferred to a supervisor, who promised to return the mistaken extra payment for XXXX within about 6 days.
Today is Friday XX/XX/XXXX and another rude person from XXXX Bank Mortgage called us ( XXXX and XXXX XXXX ) and advised that they should not have to return our extra payment!! We did tell them that our house is under contract and expected to close XX/XX/XXXX, however that is 11 days away and a different issue!
Why does XXXX bank want 13 payments from us this year instead of 12 and what in the law allows them to take our payment for XX/XX/XXXX when, according to our bank records attached our XXXX payment was made on XX/XX/2018.
Please make sure that by Monday XX/XX/XXXX that our {$3500.00} is ABSOLUTELY REFUNDED to our XXXX checking account that ends in -- XXXX as we were promised already on Monday night when a supervisor at XXXX Mortgage promised us. We have been loyal an excellent paying customers for 9 years, and we deserve to be treated right and within the terms of our agreement with XXXX.
Thanks! - XXXX and XXXX XXXX
|
| 05/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My car was reprocessed on XX/XX/XXXX and I contacted 5 Third Bank on XX/XX/XXXX. I never received a phone call or an inquiry as to any past due balance on my account. I contacted 5 Third Bank and I was told that I had missed a payment in XX/XX/XXXX which was over two years ago. I have made consistent payments of XXXX dollars for the last 6 years on my account online from my XXXX XXXX account online and have made consistent payments that posted on the same day of the month. Not only have I made additional payments of the loan, I called and spoke representative to inquiry about my balance and they always stated that they send me my payment history rather then going over my account over the phone in regards to the payments made. I requested several times to speak with executive relations department about my balance and account and I constantly get transferred or disconnected. I had an issue in XX/XX/XXXXof an illegal reprocession and I was never contacted that I missed any payment on my account. The bank claimed that there was a ceased and assist on my account and I requested the recording of such requests since I never requested no contact on my account. I was also told when there was a reprocession on the account that there was no updated telephone number on the account. I gave them my contacted telephone number and I have never missed any consecutive payments other than there was one partial payment in XX/XX/XXXX and I have made XXXX monthly payments for six years. I was given incorrect information and the bank refused to go over my account. Not only was my car reprocessed the second time, I was not given any paperwork from the agent when I obtained my car and I was told that I will receive a notice within 10 days. I spoke to a representative on XX/XX/XXXX and I was told that there was XXXX balance due and I made a payment for XXXX dollars to retain my car and I was that it was payments from XXXX-XX/XX/XXXX. I made a XXXX. payment on XX/XX/XXXX and I being charged for late fee, repo fees and additional fees by third party company and I being denied complete records of my account and constantly getting nasty rude and unprofessional customer service representative who given incorrect information and payments.
|
| 10/03/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
In XXXX of 2015 I approached XXXX XXXX, a loan officer at 5/3 bank, XXXX XXXX location about a home loan. I was preapproved and located a home I wanted to purchase in XXXX of 2015. The initial phases of the loan went smoothly but as the loan entered the final stages of underwriting we were given unclear information about the nature of necessary repairs. It took several weeks to receive clear information about how the nature of said necessary repairs should be done. I spoke with XXXX XXXX, a Mortgage Processor with the corporate headquarters of the bank as well. Neither she nor XXXX gave us clear information until much time had passed. Once we were given clear guidelines said repairs were completed and the home loan was given the formal " clear to close '' and a closing date was agreed upon by all parties. The day following our clear to close I spoke with XXXX XXXX to see what the next step of the process was. I was informed that our loan had been randomly selected for a quality control check. I was told this was to ensure that the loan processors had done their job correctly. I was told nothing was wrong. It would just take a bit longer and that i would still be able to close on time without any issues. The following afternoon I received an email from XXXX XXXX stating that our closing date was now tentative and may have to be postponed. This was due to the quality control staff having an issue with the aforementioned repair. XXXX stated that he had sent a rebuttal to the quality control staff the day before ( the same day I spoke to him and was lead to believe there were no concerns with my loan ) but they had yet to respond so closing may need to be postponed. I feel that we were mislead in multiple instances during this process. Firstly, we were lead to believe by the bank at large that our loan was fully processed and ready to be closed upon, when in actuality this was not the case since we were then sent to quality control and no longer allowed to close. We were also mislead be XXXX XXXX personally as I was specifically told nothing was wrong with our loan being sent to quality control, when in actuality he was already aware of the potential repair discrepancy and did not disclose the issue to me.
|
| 04/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth Third bank incorrectly processes mortgage payments as curtailments. This has happened repeatedly. I have asked the bank to please escalate this technical issue as it requires a fix in their systems but they have refused to do so.
Each time I make a payment, the bank incorrectly processes my payment as a curtailment despite the fact that the settings clearly show it to be a mortgage payment and NOT a curtailment in their online tool.
Every month, I have to write a message to the bank to reverse the curtailment and reprocess my payment as a mortgage payment instead of a curtailment. They take care of this manually and fix the error but it requires that I reach out to them and ask them to reverse this issue.
However, recently, the bank has begun to cut staff due to XXXX. It also appears that they have taken down their online messaging tool so it is very difficult to contact them and ask them to reverse the curtailments. This is a significant issue and makes it very difficult and painful in order to simply process a mortgage payment. If I was not on top of this, they would be marking me as delinquent in their systems.
These are the dates I have written to Fifth Third Bank and asked them to fix their online tool and/or reverse the misprocessed payments. I have and can provide evidence of these letters as well as correspondence received from the bank acknowledging the issue and agreeing to reverse it manually. See attachments.
It's worth noting that I never selected XXXX XXXX as my mortgage servicer. My mortgage was transferred to their care after my original mortgage was sold. Since then, mortgage payments have been a nightmare. Literally every payment is misprocessed despite the fact that I input them into the system correctly. The company refuses to fix the technical glitch despite repeated phone calls and correspondence with them. This is made far, far worse now that they have removed electronic correspondence on their website. This means that I'll now have to call them each time to fix the issue, which will require sitting through their inundated phone tree each time and waiting for a service rep each time I want them to fix their errors in processing my mortgage payment each month.
|
| 06/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XX/XX/XXXX, I noticed fraudulent charges totaling approximately {$1000.00} on my 5/3 checking account. I alerted them and instead of closing/freezing the account immediately, they opened a new account, for which I denied a debit card because at the completion of the fraud investigation, I was intending to close all accounts with 5/3. The fraudulent charges were moved to the new account so that when the investigation was complete, they could refund me the roughly {$1000.00}. Their investigation indicated that the charges were in fact fraudulent charges and 5/3 refunded the charges to the new account in XX/XX/XXXX. I noticed that the initial account with the fraudulent charges incurred interest fees totaling {$1.00}. I called the bank and they adjusted the charges, acknowledging that they accrued in error and I would not be responsible for them. In XX/XX/XXXX, I received a notification from my credit monitoring company that my XXXX XXXX had dropped due to derogatory remarks due to a late payment of more than 110+ days. When I opened my credit report, I noticed that the charges were coming from 5/3, and that they had never submitted the proper paperwork to adjust the fees and have the incident removed from my credit report, as it was not a mistake or late payment on my part. I called 5/3 Bank immediately and spoke to the highest person I could get in contact with and was assured that they would submit the paperwork to have the error removed from my credit report immediately. In XX/XX/XXXX, a potential home lender pulled my credit report and enquired about the delinquencies. The errors are still appearing on my credit report. I need these to be removed so that my husband and I may receive the home loan for which we qualify for otherwise. 5/3 Bank has not attempted to remedy this, and I have filed two disputes in XX/XX/XXXX, XXXX with XXXX and one with Fifth Third 's Dispute Department, in addition to filing a dispute orally with the bank. One dispute that was filed n XX/XX/XXXX indicated that there was no error and my credit report would stay as is. I immediately filed an investigation and submitted an 8 page narrative along with bank statements as evidence that the error was made on 5/3 's part.
|
| 10/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is a resubmittal of additional information related to Complaint # XXXX.
Here is the original text of that complaint : I have a credit card issued by XXXX. This card was hacked in XX/XX/XXXX/XX/XX/XXXX. When I looked at my XX/XX/XXXX statement I saw a charge for {$110.00} that I didnt recognize. I called XXXX in early XXXX and said it looked like another fraudulent charge, similar to the several charges from the hack. XXXX issued a credit and filed a chargeback to the other company involved, Fifth Third Bank. However, a few days later I realized that the charge was in fact legitimate and contacted XXXX. They did the required paperwork to release the funds to Fifth Third Bank. This was in XX/XX/XXXX.
I thought the matter was completely settled until I was contacted by the merchant ( XXXX XXXX ), as well as the merchants credit card servicing company ( XXXX ) in early XX/XX/XXXX. Both entities told me that the funds were never released by Fifth Third, and that I needed to pay XXXX XXXX in cash. I apologized for the delay, but explained that XXXX had released the funds in XX/XX/XXXX. Since then Ive been in frequent contact with XXXX, XXXX, and XXXX XXXX. XXXX and XXXX both told me I need to contact Fifth Third Bank to get my money back.
I tried both emailing and calling Fifth Third Bank - horrible experience with zero results. XXXX told me today that I may have to take legal action to get my money. Based on the many negative reviews on multiple websites, this is a company that should no longer be in business, and perhaps a large class action lawsuit would be just the ticket.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subsequent to filing the original claim, and seeing that Fifth Third Bank has denied TWICE that this is their problem, I am providing additional information and documentation.
1. Screenshot of a secure email from XXXX indicating the funds were released to Fifth Third Bank on XX/XX/XXXX.
2. Screenshots of emails from XXXX also indicating that they had completed the paperwork to have the funds released back to me -- and to contact Fifth Third Bank.
|
| 03/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XXXX XXXX, 2022 - A deposit was made to our Fifth Third checking account after XXXX and amount was debited the amount from an account with another bank that evening. At the deposit was made, we were not provided any notice from Fifth Third that the funds would be made available for 10 business days. Being a small business, we have limited funds and Fifth Third place us in bind by sitting on our funds for nearly two weeks. The only response they provided was that it is their policy, which was not disclosed at the time the deposit was made. Account disclosures were requested but not provided.
XXXX XXXX, 2022 - An attempt was made to wire money to our Fifth Third checking account from an account with XXXX XXXX XXXX All of the information provided by XXXX XXXX XXXX indicated that the wire was remitted and rejected by Fifth Third. Since these funds needed 1-2 days to clear back to the XXXX XXXX XXXXXXXX account and Fifth Third was holding the XXXX XXXX deposit, our small business was forced to suspend payroll and delay vendor payments. Fifth Third indicated it had no record of the wire being rejected. We made three attempts to get clarity from Fifth Third and provided no information.
XXXX XXXX, 2022 - We made another deposit to our Fifth Third checking account in order to pay employees and vendors. Once again, Fifth Third would not release the funds for 10 business days despite immediately debiting the other account that very same day. Unfortunately, we found this was more efficient than transitioning banks.
XXXX XXXX, 2022 - In response to a phone call from the Fifth Third complaint department, an email was sent to this representative detailing the matters above and additional issues that arose including excessive service charges with no details on the basis of these amounts and no response from our relationship manager.
XX/XX/2022- Fifth Third had not provided any response and another email was sent in an attempt to garner some update. As it stands, these experiences have consumed numerous hours, resulted in employees having to make arrangement to delay bill payments, cost us various fees and been an emotional burden. Through this all, Fifth Third has done nothing to rectify these matters.
|
| 03/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dear CFPB, I am writing for your help since I was not able to resolve my conflict with Fifth Third Bank over a fraudulent Internet transaction via my credit card used by someone else who stole my information and my identity to make purchases. Case number XXXX On XX/XX/XXXX I reported to Fifth Third Bank a suspicious transaction for {$89.00} purportedly for a Dash camera which was allegedly made on XX/XX/XXXX. For the record, similar dash cameras are sold in stores for around {$20.00}.
I informed Fifth Third Bank that I did not made this transaction with a very shady Merchant XXXX who does not even have a website with products for sale, only pages with Terms and Conditions and Privacy Policy.
Fifth Third Dispute Resolution Department ( at large, without the name of individual whom I can contact with my questions ) apparently did not conducted any meaningful investigation into this matter or even looked at XXXX and reversed temporary credit apparently trying to collect from me {$89.00}.
In support to their decision Fifth Third provided me tracking number for another transaction which I made on XX/XX/XXXX with another company.
Fifth Third also provided me the name of the Company who purportedly sold me this dashcamera XXXX XXXX XXXX XXXX located in XXXX NJ.
According to New Jersey XXXX of XXXX, they do not have any records of XXXX XXXX XXXX XXXXXXXX in their State.
The only company who has similar name XXXX XXXX is located in California and is manufacturer of precision die-cut components. Obviously, they do not sell dash cameras via XXXX.
Moreover, the XXXX address XXXX provided to me by Fifth Third Bank as evidence of legitimacy of my transaction belongs to some shady company in XXXX.
Fifth Third Bank acted negligently by failing to conduct basic investigation and pushing all burden to prove criminal conduct on me as a customer ; and maliciously ( if not enabling ) when they refused to reverse this transaction and credit stolen from me {$89.00} back to my account.
I demand Fifth Third Bank to credit me {$89.00} and compensate me at least additional {$100.00} as a fee for my investigation of this matter for which Fifth Third Bank employees are getting paid.
Regards XXXX XXXX
|
| 06/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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The XXXX XXXX Bank makes changes to the mortgage account and doesn't not allow to user to determine/know the changes unless you call the company. I was notified after the mortgage due date of a change in payment via letter, which was processed prior to the the payment due date. As a result, the amount I paid timely for my loan was marked an " unapplied payment '' and I received a letter later in the month notifying of the escrow change. The unapplied payment of the mortgage amount from the statement sat on my account with no action and I was deemed late for a {$11.00} escrow change, that I was notified of AFTER the due date. This is being penalized for timely payments. Additionally, when I called the XXXX bank to inquire about that change in amount, I was told to call the insurance company because the agent didn't know where the payment change came from. My insurance went up {$4.00} a year and that caused a {$12.00} a MONTH change in escrow. Thats doesn't add up. I called a 2nd time another day and a different associate helped with the needed information, but the escrow still doesn't add up for that chnange. Charges were applied because of a " late '' my XXXX payment but my bank shows no record of a reversal. No one can explain why it didnt process. I was not made aware of this by XXXX bank and until I logged into my account and had to all customer service for information. XXXX bank has no explanation on why this occurred.
I am unable to make payments on my loan outside of the FULL monthly mortgage amount online. I have to call an often rude customer service agent to assist with that phone payment and then call again after it is processed to ensure to goes to the correct line item. I have never in the history of being a home owner experienced this level of disorganization, poor notice or lack of accountability. Notification of fees and changes to payments are severely delayed ( sent via letter ) but applied prior to sending the letter- to the point where the borrower does not have time to make changes. The statements are hard to follow and are not consistent. XXXX XXXX 's poor notification will cause issues. I have never had a late payment in 6 years until being serviced by XXXX XXXX.
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| 02/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have sent a formal complaint to the Office of the President at Fifth Third and have attach this complaint to detail the exact events. Fifth Third did call and said they would respond by XX/XX/XXXX as requested in my complaint, but I have learned Fifth Third makes promises quite often that they don't keep.
To summarize my complaint on requesting a loan on a vacation home. I was approved for this loan on the 2nd wee k of XX/XX/XXXX. I put in an offer on the third week of XX/XX/XXXX and my loan manager at Fifth Third started the process. I submitted all documents within 24 hours of informing them of the accepted offer. After this point it was one thing after another as you can see in my complaint to Fifth Third. There lack of knowledge for handling a condo, HOA, and vacation home created one delay after another. Around the second week of XX/XX/XXXX I called my account manager and asked him to escalate the issues with management because dealing with the processor and underwriter were impossible. At this point I think I was flagged to fail because things only increasingly went downhill. Two weeks before my close they claimed the unit was considered a condotel. Once i offered supporting information from HOA and building owner that debunks the notation this building/unit operates as a condotel. Then it was some open litigation which again I was able to get the HOA legal department to demonstrate this was normal slip and fall and fall covered under the building liability insurance. This is when I was moved over to the VP in the mortgage department. She felt she could build a case for me and get this moved as a exception and approved. The morning of my close I was told legal and the bank president denied my request. I requested a simple document to present to the seller in hopes to extend my contract stating they refused me based on the " condotel '' and litigation claim, and they stated they would but never did. This decision and the length of time to make this decision has cost me financially because of prearranged travel, purchase of materials, and now needing a hotel at location in an effort to find a solution. To top this all off they promised to respond to me by XX/XX/XXXX but never did.
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| 12/15/2021 |
Yes |
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Web |
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Me and my wife was approved for a XXXX loan with 5th 3rd bank on XX/XX/2021. After that we was on a house hunt that lasted until XX/XX/XXXX, we submitted our offer and the owners accepted the offer. After that we scheduled an inspection. The inspector came out Monday XX/XX/XXXX we paid him for his work. We also gave a check for the XXXX money deposit to the title company that same day. Between the dates of XX/XX/XXXX and XX/XX/XXXX we filled out a lot of paperwork and paid an XXXX fee for {$390.00}. XX/XX/XXXX we received a appraisal for the home. Our close date was XX/XX/XXXX. We did everything we was asked to do, I got a quote from the insurance company, we gave bank statements multiple times, filled out more paperwork. We gave all they needed but it was always more that they forgot that we needed. So we missed the first closing date. Next date XX/XX/XXXX, had to pay all taxes on current home I own out right, for some reason, but I did that as well. Had to submit multiple letters of explanation, did all of that as well. We did everything they needed everything. Now today I get a call saying they cant do anything for me because I was given a loan to fix my primary home from XXXX a government company. I live in zip code XXXX that area was in a state of emergency XX/XX/2021 due to floods this year my basement flooded almost to the second floor. Needless to say the home was heavily damaged and needed serious repair. I fixed the house with money we had for savings to buy us a new home in the future. When I found out about the sba loan we applied and was immediately accepted once they seen the home. That money was to replace some of the money we lost in savings. Due to the Sensitive nature of the situation this should not be something that hold us back in this loan process. It took them until XX/XX/2021 to tell me this. Communication was non-existence. They have been going over this paperwork multiple times and it was even audited. I can not understand how everything was good but now its not. This company is by far the worst I have ever dealt with. The online reviews of this company says it all. 1 star out of 5, what a joke. The attach files is the reason that I am not able to get the FHA.
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| 09/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Fees charged
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Web |
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Fifth Third Bank services two mortgage loans on which I am the borrower. I make payments on these loans on the XXXX of each month, before a late payment fee is assessed. I have never been informed that there is a time by which payment must be made on the XXXX ; I have always understood that the late fee would be avoided if payment was made by the end of the day on the XXXX.
In XXXX I made the payments on my mortgage loans at XXXX and XX/XX/XXXX XXXX Eastern Daylight Time. I later received correspondence assessing late fees of {$96.00} and {$53.00} on the loans.
On XX/XX/XXXX I called Fifth Third and spoke with " XXXX ''. I explained the situation and asked that the late charges be waived. He said one late charge per year could be waived on each loan.
Then XXXX informed me that he would not waive the XXXX late charges because there had been waivers of late fees on the XXXX payments. Fifth Third had never informed me that it had assessed or waived late fees for my XXXX payments ( which had been made at XXXX and XXXXXXXX XXXX EDT on XX/XX/XXXX ). I explained that, based on my records, late fees should not have been assessed in either XXXX or XXXX.
After quibbling with me about actually submitting a request for waiver of the late charges and purportedly speaking with a higher authority, XXXX then " allowed '' me to make a request for late charge waivers. He said a response would be provided in ten days. I then asked to speak with XXXX 's " higher authority ''. After being on hold for 15 minutes, I concluded XXXX and his staff had " ghosted '' my call ( i.e., just put my call on hold and forgotten about me ).
I have never gotten a response to my request. More importantly, my late fee charges have not been reversed.
My complaints are that : 1 ) improper and undisclosed late fees were assessed against my account in XXXX, XXXX ) improper late fees were assessed against my accounts in XXXX, 3 ) my request for reversal of the late fees has apparently not been received or properly processed, 4 ) I was " ghosted '' during my inquiry call, 5 ) the late fees assessed against my accounts in XXXX have not been reversed, and 6 ) I have not gotten a response to my late fee waiver request.
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| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Fifth Third Bank acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX.
I have reached out directly to Fifth Third Bank twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, XXXX XXXX XXXX XXXX, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ).
I assert the following : *The only specific cutoff time listed on XXXX is XXXX XXXX XXXX for mobile deposits. If Fifth Third* Bank designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXX XXXX ET cutoff time on XX/XX/XXXX * Fifth Third Bank 's Deposit Account Rules and Regulations specify neither days ( e.g. XXXX ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, XXXX message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take XXXX hours for a payment made to Fifth Third bank via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for Fifth Third Bank to penalize consumers for accepting that assertion at face value.
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| 06/03/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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As of XX/XX/2020 my banking express account has been frozen and a hold of $ XXXX was subsequently posted to my account. When I spoke with the first customer service rep XXXX I was told that the fraud of alert needed to escalated to someone else, her name was XXXX. XXXX verified all of my necessary credentials only to tell me that someone would be in contact with me regarding my case. No explanation or rational was rendered for the hold on my account or as to why I needed to be investigated. I promptly asked for a supervisor and was told none were available. Neither XXXX supervisor nor her supervisors supervisor was available. I left a voicemail with the number I was given to call. No one returned my call. I subsequently called the bank back again, this time speaking to a XXXX whom after again verifying my information placed me on a hold and then hung up on me. I called back again and this time I spoke with a XXXX who informed me that an investigator had been assigned to my case and I was given her number. I was transferred to the investigators line. She did not answer. I left a voicemail. No call was returned. I have since called the bank several more times including the emergency hotline number that I got from XXXX ( the investigator ) voicemail box. When I tried that line, three times I was redirected to the disputes department and which was the in correct department. Only after I called a fourth time did the operator tell me that she has been directed to tell me that my investigator will get in contact with me because as it stands it is after hours. Meanwhile my entire livelihood has been placed on hold. Keep in mind the funds in question were submitted to my account by the federal government and by a state government facility as well. None of the funds in question were submitted by personal check or a check period. Nor was this an atm deposit. Both transactions were electronic and clearly labeled appropriately for each respective entity that made said deposit. I currently hold in my possession all verifying paperwork as proof of these funds and where they come from. However, I have cause to believe that because this is atypical behavior that this treatment is discriminatory.
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| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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I received an invitation from my Fifth Third XXXX account offering a XXXX percent balance transfer for 18 months. I applied for the balance transfer online and at the end of the application received a message stating I would be informed if the balance transfer was approved. I did not receive any notice that my balance transfer had been approved but a month later I went online to download my mortgage loan statement and saw that I had an outstanding balance on my XXXX account with a past due amount and a {$29.00} late charge ( XXXX statement ). I immediately paid the amount due and called the 800 number on the statement. I explained that I had not received any notice that the balance transfer had gone through and the Bank reversed the late charge. A few days later I called the 800 number again because there was an incorrect charge for {$2.00} ( interest on current purchases ) on my account. The {$2.00} charge was removed. On the XXXX statement there was an incorrect charge of {$1.00} ( minimum charge ) on my account. I called again and the charge was removed. On the XXXX statement there was a charge for {$100.00} for interest. I called the XXXX number again and was told that my zero percent interest had been cancelled because I was late with the first payment. For four months, my XXXX statement showed that I had a zero percent balance transfer and then it disappeared.
I contacted the branch XXXX ( XXXX ) at the Fifth Third Bank at XXXX XXXX XXXX XXXX, XXXX GA, explained what had happened and was told that she would open an investigation. When I didnt hear back from her, I went to the Fifth Third branch manager at the XXXX XXXX XXXX XXXX XXXX XXXX GA location but all she did was call the 800 number I had previously called and had me talk to a supervisor who told me again that the zero percent interest offer had been cancelled because I was late with the first payment. The supervisor also told me that Fifth Third did not send notices of any kind regarding statements or due/past due amounts. I later found out that XXXX did not open an investigation on my behalf and she refused to return any of my phone calls. I ended up paying {$240.00} and {$100.00} that I shouldnt have had to pay.
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| 06/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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My father died on XX/XX/XXXX which we reported to the bank within three business days. On XX/XX/XXXX, 5/3 Bank placed a hold on a deposit by the XXXX. On XX/XX/XXXX, I attempted to close the account and became aware of the hold which caused me not to be able to close the account.
On XX/XX/XXXX, I became aware that 5/3 Bank was still holding the payment and they were now charging a fee on the account.
When contacted, 5/3 Bank finally acknowledged that they were holding the payment, that they had been holding the payment for almost 2 years and that they should not have charged the fee.
They removed the fee, but are continuing to hold the payment until - at a minimum - XX/XX/XXXX some 2 years and one day after placing the hold.
My complaint is with regard to the violation of federal requirements for holding deposits in excess of seven business days and the failure of the bank to resolve the situation when it was reported to them in person on XX/XX/XXXX.
My mother and I appeared at the bank in person even though I have co-ownership of the account and durable power of attorney as the bank has previously required her to appear in person to handle other matters.
The Account Services Representative consulted with the Branch manager and then refused to close the account or to release the hold in XXXX. I was instructed to contact the Social Security Administration to have the hold released (! ), and told that I could not pursue the issue further with 5/3 until they actually began charging me a fee as they asserted to me that the matter was being " looked into '' and that I was not being harmed as they were not actually withholding any funds. There was just a hold on the account.
To be clear, 5/3 Bank was withholding access to a payment in the approximate amount of {$1800.00}.
I contend that withholding funds rightfully belonging to my family and preventing my Mother from depositing the funds into an account which would have paid interest - or using the funds to pay debt if she had any - is absolute harm and is a violation of our consumer rights.
I am additionally convinced that 5/3 Bank does this routinely and has placed similarly situated families in the same position.
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| 05/23/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XXXX XXXX I contacted two mortgage companies to refinance my current loan to get a lower rate. Fifth Third, who is my current company, and another I found on the internet. I thought my current company woul d be a quicker and easier company to deal with. XXXX XXXX told me their closing costs would be less than a new company because I would not need an appraisal etc. My balance due is approx. {$190000.00} and my home is valued in excess of {$850000.00}. Fifth Third has a copy of my tax assessment showing the value of my home and of course there is an appraisal on file from the initial loan process. I have not missed payments, my credit is good and I have funds to make monthly payments. Weeks would pass with no contact fro m Fifth Third rega rding the status of my loan. A list of required documents was mailed to me. I immediately sent the info. Calls went unanswered. I attempted to contact the manager but he w as not available. Finally a processor, XXXX XXXX contacted me and asked for the same previously requested documents. I sent them again. Then more and more requests for documents came by mail or email. I mailed each requested documment. Some seemed out of line but I did send them. I called XXXX and XXXX to get status and rarely got through on the phone. I was told around XXXX XXXX all of the documents were received and the loan should go to closing within a few days. Then a few days later I was told I need an appraisal. After the conversation with XXXX , XXXX said he would speak to the underwriter and I would not need an appraisal. My emails went unanswered. On XXXX XXXX I was told I do need an appraisal. Finally on XXXX XXXX during the conversation with XXXX I told them I do not want to continue to do business with them as they do not seem to be interested in lowering my rate and refinancing. I am very upset at the runaround I got fro m Fifth Third and lack of communication. After 82 days they were still asking for documents with no indication of a closing date.
Their unprofessional way of dealing with customers should be noted. I will now start all over again with a reputable company to refinance and be rid of Fifth Third.
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| 12/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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|
Web |
Older American |
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In XXXX 2006 my XXXX year old Father who I am guardian of now, took out a mortgage loan with Fifth Third bank. It was considered a cash out refinance with my fathers desire to pay off medical bills from his deceased wife XXXX XXXX who died of XXXX the year before. There was no appraisal done on the home located at XXXX XXXX XXXX, XXXX, Ohio XXXX. The loan amount was {$110000.00}. At that time, there was no house within a mile radius worth {$110000.00}. I am assuming they used some some of automated valuation system or the loan was a 125 % predatory loan. The rate is 7.375 % and the loan is being held by Fifth Third bank because it was n't salable to XXXX or XXXX XXXX due to the value placed on the property. This caused my father to not be able to take advantage of the HARP or HASP program or any other type of loan produce due to the loan to value issue. My estimation of the value of the property today would be approximately XXXX to XXXX Dollars due to the massive amount of foreclosures in his neighborhood and general property value decline based on the neighborhood. My father is in a XXXX now and there is no possible way of selling the home for the amount he owes which is {$100000.00}. We contacted Fifth Third bank and asked for a principle reduction on the loan but was n't considered. They suggested a deed in Lieu of Foreclosure which we did not do. Foreclosure proceedings have begun and I am now researching filing bankruptcy to protect my father financially for any future ramifications of a foreclosure. My father is a retired teamster. He worked 40 years as a XXXX making a good decent living. The expense of my step-mothers XXXX took a toll on their finances and when she passed away his only true asset was his home and was forced to refinance and take cash out to pay off medical expenses. He was taken advantage of by Fifth Third bank when they gave him a loan that was never going to be paid off nor ever have the ability to sell his lifelong home for enough to pay off the loan. The money he receives now is needed for his care. Fifth Third Bank knowingly made a loan to him at an over inflated value to incent him to sign the papers at a desperate time of his life. Shame on them.
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| 02/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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RE : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + XXXX, tax parcel # XXXX Dear Sir or Madam, I have purchased a lot at the above address in XXXX. I had planned to build a house and move there with my wife upon our retirement. However, XXXX XXXX refused to advance payments against the mortgage for the construction. XXXX bought this loan from XXXX, out of bankcruptcy.
We had originally taken out a construction to permanent loan with the now defunct XXXX. The loan was saddled with very high fees and closing costs. Also, the interest rate was initially high at 7 %, despite my, at that time, very high credit rating. XXXX issued payments to the mortgage broker ( commissions ), the real estate agent who sold us the lot as well as an initial draw to the original contractor that was supposed to build the house. Those draws were issued against my loan with nothing in return to me, resulting in a much higher balance than if I had just bought the lot. The contractor never did any construction but pocketed the money advanced to him by XXXX.
After XXXX went bankrupt in XXXX, XXXX Bank purchased the loan for XXXX cents on the dollar. Even though this was a construction to permanent loan, XXXX XXXX refused to pay for the construction of the house. At that point, I had already paid out several XXXX dollars out of pocket to the contractor for site preparation. So I got stuck with the sunk cost of not only XXXX of dollars in unnecessary loan costs, but also the sunk cost of the site preparation.
Even though XXXX Bank reduced the interest on the loan, they have collected more in interest on this loan than what they had originally paid for the entire loan. Over the past 10 years, I had asked XXXX XXXX three times to reduce the outstanding principal or to take the property back ( deed in lieu ), but they had always refused.
I am XXXX XXXX old and my wife and I only receive Social Security income and a few XXXX dollars in rental income per month. Our out of pocket medical expenses are mounting and in order to continue making payments on the above-mentioned loan, we will soon be forced to sell our home.
Sincerely, XXXX XXXX
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| 08/02/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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|
Web |
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To whom it may concern, I'd like to make a complaint against Fifth Third Bank. Specifically about their " Fifth Third XXXX Checking Account. '' I recently learned that they've been charging me a " Dormant Account Fee '' since XX/XX/XXXX of XXXX to present the month ( XX/XX/XXXX ). This dormant fee was never mentioned by the fifth third bank associate that offered it to me. The info was not in any of the account information pamphlets or paperwork that they provided which could be easily seen, identified or found.
This momentum checking account was advertised at the time of signing and is still being advertised today ( verified on their website today XX/XX/XXXX ) as " free, no minimum balance checking account, no minimum deposit, no monthly maintenance fees, no hidden fees ''.
While speaking to a Fifth Third Bank customer service representative today ( XX/XX/XXXX ) by the name of XXXX XXXX customer service phone number XXXX ) he mentioned that the fee would not occur if I had a balance in the low {$2000.00} 's ). I was then told by his supervisor ( title : customer service call center supervisor ) XXXX that the information he provided was incorrect. However, the dormant fee is charged when there's no account activity for more than 12 months. She then mentioned that the " dormant fee '' information can be found in the rules and regulation tab somewhere on their website under some inconspicuous rule section that has a number and letter.
This fee is deceptive, manipulative and wrong. Any fees should be explicitly made and displayed by the banking institution and their representatives. The supervisor claims that the bank sent me emails warning me that my account was on the verge of going into a " dormant '' state but I could not find any emails from the bank mentioning this or any " dormant fee ''.
They've charged my account {$35.00} and refuse to waive the total fees. They've chosen to only waive {$15.00} and that's unacceptable. I'm sure I'm not the only customer they've done this to.
I've included screenshots of Fifth third Bank 's website info for their momentum checking account as proof of their deceptive tactics. Please help me get this matter resolved. Thank you
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| 01/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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On XX/XX/22 a withdrawal from the ATM was made from my Fifth Third Bank business checking account in the amount of {$1600.00}. It was immediately transferred to my personal checking account. Upon receiving the receipt of transaction, it was discovered that only {$350.00} of the money was received by my account. Because it was after hours that day and then the holiday on Monday, I was unable to file a dispute until XX/XX/22. I was assured that I would receive a provisional credit for the missing {$1200.00} to my account within 8 business days. When that day arrived on XX/XX/22 the money was not available on my account. All my bills were due over the week of me waiting for the credit. Some were paid and others returned causing several overdraft and returned item fees to accrue to my account. My banking and bill payment history will show that I have never had late payments or overdraft issues in the past. On XX/XX/22 I visited the branch where the transactions were made to check on the status of the credit. The bank representative called disputes and I was told that they dont know why the credit hadnt been issued and I was going to have to wait up to an additional two more business days because investigators do not work on the weekend. Additionally, I would not be reimbursed for the NSF fees that were issued by the businesses for the returned items. I have current health issues that require medication that I can not purchase because of my negative account balance. I can not buy food, gas and many other items essential to daily life functions for myself and my family due to my money not being available for an extended period of time. The banks collection department called me on XX/XX/22 asking for payment to bring my account to a positive balance. This was very confusing as I was expecting the account credit the very same day. The lack of communication between departments, the business practices and policies of this bank have created a domino effect of problems for me. It is unfair to me as a customer to have to suffer additional financial loss as a result of a bank error. This ordeal has caused not only financial hardship, but mental anguish, and health complications as well.
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| 04/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Case # XXXX I had my personal doctor process notes paperwork with my personal information on it DOB, Soc number, telephone number, email address, insurance information, other personal information about me. I also had money, my Fifth third debit card, make up and car keys ( XXXX to replace keys ) in my bag. I had my bag stolen from my therapy work out session. The Suspect that stole my items used my Fifth Third debit card on transactions that I didn't authorized I contact Fifth Third bank the same day the theft occurred to have them to block the debit card. Later I discovered that my card was used to purchase goods and services that I didn't receive The suspect order XXXX XXXX concert tickets in the amount of {$170.00} ( I don't listen to Blues music ) and made other fraudulently transactions with my debit card. Then later the suspect had hack compromise my account with Fifth Third bank I had to go into the Fifth Third branch to close my account and stop all my direct deposit due to the suspect made numerous attempts to get money out my account. I contact XXXX XXXX and informed them that the purchase in the amount of {$170.00} was made without my permission, and that my debit card was stolen. The suspect was never able to use the tickets but XXXX XXXX still charge me for the fraudulently charges of {$170.00} my Fifth Third Bank had given me a temporary credit in that amount but on XX/XX/XXXX Fifth Third bank reverse that money back. I shouldn't be held accountable for this fraudulently transactions I reported this to the bank and contact the Merchant. I file a report with your company also in XX/XX/XXXX and XXXX at Fifth third bank ( XXXX ) XXXX contacted me concerning this case but she didn't resolve the matter. The suspect had all my personal information so the suspect could put my personal information such as name email address and physical address into the computer to obtain goods. These transactions were made over the internet. Fifth Third bank is FDIC and are to secure my money at all times. I did the appropriate procedures to file a claim with the bank and i followed all the guidelines and also file a police report I would like for the bank to give me my money back.
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| 10/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
I got stuck in XXXX XXXX because of Covid 19. I opened a bank account last year with 5/3rd Bank Corp prior to leaving where I was promised that the account would work without any issues.
Hence forth this has been the furthest from the truth. Because of antiquated and outdated systems 5/3rd blocked access to my account some 11 months ago online and caused numerous problems with. There is never a way to determine if there is theft or fraud - and often I have to hold at least 30 minutes to an hour.
On XX/XX/2020 I was expecting my account balance to be over {$1000.00} more than it was. Alarmed I contacted the bank only to find out over the past year there was a variance of small but meaningful fraudulent charges that added up to a minimum or {$680.00}. And caused many NSF fees, at the point of discovery the person I spoke with on the bank had told me there was at least another $ XXXX more in NSF 's and not to worry the money would be placed as a provisional credit within 9 business days.
I called several times to follow up with this and each time was promised that there were no problems. Apparently this was not the case - instead of giving the provisional credit like I was told - they gave nothing and didn't communicate that to someone whom told them he was XXXX miles from home. They cancelled the debit card that was mine, thankfully my son was here in XXXX with me and I had the foresight to add him to the account.
They didn't give the credit they told me I was getting after communicating that they were. I thinking I had a different balance was using that amount and adding money as needed. In reality 5/3rd intentionally kiting NSF fees once again totaling almost from what I was just told {$490.00}. After I just spoke with them they said it was because the disputed charges were " too old ''. Less that a year mind you, but it was too old.
This is not acceptable : how can a bank block you from being able to view your account, foreign currency conversion fees are often all over the place which creates difficulty in keeping a register - but even then, if it is communicated that one is told that they have x $ but in fact they do not - that is intentionally kiting a fee.
|
| 06/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I currently bank with Fifth Third Bank ; on XX/XX/XXXX there was {$4.00} in the account ; on the XX/XX/XXXX I bought a hamburger for {$4.00} at XXXX 's using my 5/3 debit card leaving the account with {$.00}. On XX/XX/XXXX in the morning, I made a mobile deposit of {$630.00}. {$100.00} was immediately available ; I checked my checking account balance and the available balance was {$100.00}. On XX/XX/XXXX there was a payroll deposit of {$1800.00}. I checked my balance and as XX/XX/XXXX these transactions had already posted to my account : deposit of {$630.00}, debit of {$4.00} and debit for {$180.00} leaving me with {$440.00} balance positive ; when I again checked my balance on XX/XX/XXXX, I noticed that there was a credit from my 5/3 cc as overdraft protection for {$100.00} and an overdraft fee of {$12.00} ( because overdraft was activated ). I immediately called 5/3 customer service for an explanation for the overdraft credit from my 5/3cc and the {$12.00} fee. This is what XXXX IN CUSTOMER SERVICE TOLD ME : that although the {$630.00} deposit was accepted XX/XX/XXXX, and {$100.00} was immediately available, there was already a negative balance of {$89.00} because my car insurance payment of {$180.00} was already shown as pending! There was no indication on XX/XX/XXXX that my account was negative! According to XXXX I had until XXXX XX/XX/XXXX to make account positive! I did not even know the account was negative since my on-line balances did not reflect a negative balance ; on XX/XX/XXXX XXXX XXXX 5/3 bank made the remaining {$530.00} from the {$630.00} available debited by 5/3 cc the overdraft and charged the {$12.00} overdraft fee! All this was done without my knowledge and without any indication my account was negative, so I could make provisions to make the balance positive. What 5/3 does is debits first and credits afterward so they can charge overdraft fees!. I thought that was illegal! This is not the first time this has happened with 5/3! I need to know why 5/3 thinks it can get away with these practices! Please advise on results of your investigation. XXXX did waive the {$12.00} fee. My complaint is about 5/3 illegal and unfair practices. Please advise.
|
| 06/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth Third Bank purchased my mortgage from XXXX Mortgage on XX/XX/XXXX.
I made my first payment on XX/XX/XXXX for my XXXX payment and set up auto-pay with my bank.
Escrow changes changed the payment in XXXX resulting in a short pay on my part. I paid the difference and assumed everything was fine. Without my knowing, Fifth Third applied both the short pay of {$1300.00} and the difference payment of {$68.00} to my principle instead of my payment. I continued to think I was paying three weeks early and Fifth Third showed my always paying on the XXXX of the month the payment was due. This was not a late payment on their part so they never mentioned it. Fast Forward to the escrow change in XXXX. I adjusted what I thought was the correct payment but I was off by one month due to the issue in XXXX. This is when I discovered what happened. I asked for a review and correction. After a week, that request was denied. I paid the difference over the phone which brought my account back up to date. Then they sent my original short pay back to me. I called to explain but they told me I overpaid and that is why they sent it back. I knew this was wrong. I deposited the money in savings until we got it worked out. The following week my credit score took a hit from Fifth Third Bank reporting me late. I called back and was advised of the numbers to call to protest.
The following week I got a note from my bank that Fifth Third had stopped payment on the check. I had to pay an additional {$5.00} fee.
So another call to Fifth Third resulted in the following : XXXX. They will not correct the credit score issue. That is my fault XXXX. They will not send me {$5.00} to off-set the fee from my bank for the stopped payment.
They advised I should have known not to deposit the check they sent to me. The letter advising they were sending it back is auto generated. The Agent I spoke to when I made the extra payment advised she would try, she never said if you get a check tear it up.
And when I called about receiving it they never said they were stopping payment.
I have had mortgages since XXXX. I have never dealt with such a poor run company that takes such terrible care of their Customers.
|
| 02/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
This is in regards to 5/3 bank checking account offer which states, " Essential Checking account must be opened between XX/XX/XXXX and XX/XX/XXXX. To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening [ criteria 1 ] AND maintain a {$500.00} minimum balance for 60 days [ criteria 2 ] ''. I called Fifth Third bank today, spoke with XXXX in XXXX, OH at XXXX, who informed me that I no longer qualify for the {$300.00} bonus because my balance had at some point fallen below {$500.00}. I explained to her that I still qualify for the offer because I completed criteria 1 and am still able to complete criteria 2 because criteria 2 does not say at what point in time criteria 2 needs to be met - For example, a certain number of days from account opening or a certain number of days from when you make the initial {$500.00} deposit.
In my particular case, I opened a 5/3 Essential Checking account on XX/XX/XXXX and provided them with the offer code they had sent me. On XX/XX/XXXX, I made my first deposit of {$500.00} or more ( meeting criteria 1 ), then I withdrew money causing my balance to go under {$500.00} ( which I argue does not disqualify me ), and then I brought my balance back to {$500.00} on XX/XX/XXXX and have maintained it at {$500.00} or more ever since. On XX/XX/XXXX, 60 days from XX/XX/XXXX I will have completed criteria 2 and should be given {$300.00} from Fifth Third Bank.
Had the language in the bonus offer stated, " To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening AND maintain a {$500.00} minimum balance for 60 days from the date of the first deposit of {$500.00} dollars or more '' then they would have reason to disqualify me. But that is not what it says.
At the web address below you will find their current offer with the same language as the prior offer just different dates as to when the offer expires and current offer is {$200.00} instead of {$300.00} when I signed up : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XXXX of XXXX there was this company called XXXX XXXX soliciting the remodeling of home bathroom located inside the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, TN XXXX. Therefore, I filled out an application for free home estimate. The XXXX XXXX representative came to my home late XXXX of XXXX. The XXXX XXXX representative presented an estimate of cost for two restrooms inside my home. The XXXX XXXX representative advised financing was available ; therefore, the financing for the funds to complete the project where financed through a bank called XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. XXXX offered no payments nor interest for 18 months if paid off before the 18 month period there will be no interest applied. XXXX approved the loan and the XXXX XXXX representatives contracted the work. XXXX paid XXXX XXXX. In XXXX of XXXX came into a large amount of wealth. However, I had never started my first payment with XXXX. I called XXXX Customer Service to get an early payoff. The XXXX representative quoted the early payoff. I asked the representative several times before retrieving a cashier check was the payoff amount correct. The XXXX representative assured that the payoff amount quoted was correct according to the system. Therefore, XXXX received a check from me in the quoted payoff amount. In XXXX of XXXX just being curious about my credit score I pulled my credit report only to see XXXX showed a balance. Nevertheless, I contacted The XXXX Bank in question of the account. After, being placed on hold several times finally a representative advised that a complaint would be file for me. I received a call from XXXX in XXXX of XXXX stating the investigation was complete. Upon XXXX investigation, they stated the check was short ; therefore, the interest was applied as well. I asked the XXXX representative why wasnt any contact sent by mail, email or phone to advised that my contract was at fault. I never heard or received anything information from XXXX informing me until XXXX of XXXX. I asked XXXX to forgive this debt because they received a large amount in XXXX. The XXXX refused and now theres a third-party company calling now trying to collect on a charged off account.
|
| 05/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American |
|
OnXX/XX/2020, I received a bill from Fifth Third Bank in the amount of {$8400.00}. Since I have never been a customer with Fifth Third Bank, much less applied for a line of credit with them, I immediately called their Resolutions Department to indicate that this was a case of identity theft. Judging from the bill, the card was maxed out in two days, with charges originating in Indiana. I live in Michigan. I explained to the agent in the Resolutions Dept that I had lately been the victim of several cases of identity theft with other banks and companies which occurred in the week directly after XXXX and the first week of XXXX. ( I placed a credit freeze with the three credit agencies around this time. ) The agent explained that the bank would be sending an affidavit for me to sign and notarize swearing that I was not responsible for the charges.
I faxed Fifth Third Bank this affidavit as soon as I received it, on XX/XX/2020. After repeated inquiries on my part, I finally learned on XX/XX/2020 that Fifth Third Bank rejected my appeal. Their reason for doing so, according to the agent to whom I spoke, was that I did not include a police report. This took me by surprise since a police report had never been requested. In my naivete I had thought that this was a fairly self-evident case of identity theft. I have never maxed out a credit card in my life ; the fraud occurred in XXXX, IN, whereas I live in Michigan ; the same location was used in a XXXX XXXX obtained fraudulently in my name that XXXX XXXX reviewed and determined was a case of identity theft ; I did indeed file a police report on XX/XX/2020 ; and the bank had my sworn statement that I did not make the purchases, much less apply for the credit, it says I did. Fifth Third Bank has been apprised of all these particulars but nevertheless seems determined to extort more than {$8000.00} from me for no other reason than the fact that a thief has duped them into believing a lie.
Given the failure of Fifth Third Bank to act in a timely manner in responding to my appeal and given its shifting account of what I must bring forward to prove my innocence, I have no other recourse but to file this complaint.
|
| 04/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX I received a notice from my lender, XXXX, requiring that I secure flood insurance within 45 days or flood insurance would be force placed onto my account. The date of that letter was XX/XX/XXXX. I contacted my insurance agency, XXXX XXXX, immediately. After receiving some quotes I purchased a flood insurance policy with an effective date of XX/XX/XXXX.
Fast forward to XX/XX/XXXX : I noticed my statement had a mortgage payment of {$2000.00}, instead of the usual {$1200.00}. I contacted XXXX on XX/XX/XXXX and they informed me that I've been force placed on flood insurance and the difference reflects the deficit in my escrow account. They gave me an email address ( XXXX ) and told me to email the declarations page of my insurance policy. After getting off the phone with XXXX, I immediately emailed the declarations page to them, as well as an email to XXXX XXXX agency alerting them of what's happened. I was told by XXXX that I'd need to wait about a week before calling again so they could request an escrow analysis & my payment could go back to normal. I called XXXX on XX/XX/XXXX at XXXX and spoke to someone who told me that he could see the documents and he would submit for an escrow analysis to be done prior to the XX/XX/XXXX payment date. I'm a new mother and an {$800.00} difference in my mortgage payment is significant. I called XXXX again today, XX/XX/XXXX, at XXXX and spoke with XXXX who told me that yes she could see the request for an escrow analysis put in on XX/XX/XXXX, but that it was denied on XX/XX/XXXX because " it's scheduled to be done in XXXX. '' I asked to speak with a supervisor, so XXXX connected me with XXXX, who also told me that there's nothing I can do because an escrow is not scheduled to take place until XX/XX/XXXX. XXXX told me that I just need to pay the {$2000.00} for both XXXX and XXXX because they won't do the analysis. It is my belief that XXXX has the ability to run an escrow analysis to correct my mortgage payment and have it accurately reflect the refund of the force placed flood insurance policy but they refuse to because it is easier for them to collect an additional {$800.00} per month, for XXXX months.
|
| 09/09/2015 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
I signed up for an account with 5/3 after they advertised a promotion to giveyou {$53.00} for free if you signed up when they first opened. They gave me anadditional {$53.00} for shredding my other bank 's ATM card in front of them. I wasrequired to deposit {$50.00} in the account to open it. In 2012, they closed mychecking account without my knowledge and without notification. Apparently, they have been deducting money from my savings account since 2012 forinactivity on the account. I received a notice a few weeks ago that it was the '' final notice '' even though it was the first I received, that my account wasactually in a NEGATIVE status and they were going to send me to collections.
They have taken all of my {$150.00} and actually taken it to a negative balancewithout giving me any notifications along the way. I never received anythingstating that money was being deducted from my account. I called the branchmanager and was told I can only dispute transactions 60 days old or less, andthat the only thing she could do for me was refund me {$11.00} and close theaccount. I offered a resolution to the company to refund me the {$50.00} I openedthe account with and they could keep the more than XXXX of the money they havetaken from me. I was told by XXXX XXXX, office of the president, thatthey would do nothing more than the {$11.00} they refunded. She did n't care thatI told her I would pursue this, and found that it would be worth the {$39.00} Ioffered as a resolution to fight it.
They maintain that because there was not a checking account, the drafts werevalid. However, THEY CLOSED THE CHECKING ACCOUNT, not me, and they did sowithout notice and without sending me any notifications ( even annual orquarterly ).
As I am now having to take this beyond the better business bureau, I would likemy entire {$150.00} back that they deducted from my account.
Fifth Third will respond to this with statements showing the deductions taking place. The question to ask, however, is when were these sent to me? They were not sent to me, neither annually, nor even quarterly. They maintain that it was my job to log in online and notice them taking money from my account.
|
| 04/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XXXX XXXX here- Hope could you help me wit a issue Im having with my fifth Third bank- I deposited my personal income tax refund & a day after funds cleared, they froze funds for no justifiable reason. On the grounds that its was thought to be a fraudulent check because I wrote a money order.
I feel as though it may be an aspect of racial profiling to this situation due to when I went to an Indiana branch of and as I sent in my deposit slip & identification into the teller- I was met wit a barrage of odd questioning & suspicion souly due to the amount I was depositing ( {$22000.00} ). I was asked why didint I have direct deposit & why were my funds in check form.
From there, I was told I would not be allowed to withdraw the funds I wanted to & that the check would have to undergo further investigation in Fifth third back room - and that they branch had had a lot of fraudulent tax refund check & that Id have to assumed to be doin something nefarious.
A day after my account was frozen & was instructed to contact fraud department where I received the same line of odd question & asked to send over documents I didnt think were pertinent to the investigation.
I was told by investigator XXXX XXXX he thought it might be a situation where I mightve withdrew funds for the purpose of giving a portion to someone I met on XXXX.
Which completely floored me- I was told that theyd have to send my funds back to the IRS & close my account & id have to talk to the IRS for more answers.
I was also asked to send document like my 1040 to prove that I was receiving the appropriate amount from the IRS. Which I took as flat out racial bias, that a XXXX XXXX man like myself could not possibly legitimately file & received a refund for this amount.
Theyve now closed my account & claimed to sent funds back to the IRS on the grounds that theyve made a business decision.
Fifth third bank has a history of racial descrimnation & I cant believe they are employ these type of practices during a time in our country like this.
As a consumer Id love you help in this matter.
Sincerely XXXX XXXX Fifth third investor over my case- Investigation Supervisor XXXX XXXX XXXX
|
| 12/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Subject : Financial Impact and mental stress due to Mortgage Closing process of Fifth Third bank This is regarding closing my new house with Fifth Third Bank on XX/XX/2022.
Loan number has not been generated yet. File # XXXX Summary of Events with Dates. Email Evidence for proof attached XX/XX/2022 : Extended rate lock with Fifth Third for 6 months with expected home delivery of XX/XX/2022 Paid 0.5 % of loan as extended rate lock fee + XXXX application fee XX/XX/2022 : Builder informed house wont be ready till XX/XX/2022 1st week. Informed Fifth Third XX/XX/2022 : The builder provided a closing Date of XX/XX/2022 with a Home Orientation date of XX/XX/XXXX and a Home delivery date of XX/XX/XXXX. Informed Fifth Third Bank.
Fifth Third bank rep notified 0.125 % extension points will be charged for every week of extension beyond XX/XX/XXXX. Based on XX/XX/XXXX closing date, that would be 0.125 % * 3 for3 weeks of extension to cover till XX/XX/XXXX.
XX/XX/2022 : Continuous feedback was done by me to Fifth Third on various milestones done in XXXX Home inspection completed on XX/XX/XXXX with minor issues Home Orientation completion on XX/XX/XXXX was updated.
Final Closing Disclosures were not provided till the morning of XX/XX/XXXX. At this point, Fifth Third mentioned that XX/XX/XXXX date can not be met since the appraisal came in late.
It was Fifth Thirds responsibility to understand the timelines of Third Party appraisers they work with and order appraisals on time to meet the closing date.
The closing date was moved deliberately to XX/XX/XXXX and one extra week of extension fees was again charged by Bank for incompetence by Bank to meet dates that were given more than a month in advance.
They still did not meet that date and moved to XX/XX/XXXX morning and then XX/XX/XXXX afternoon.
This resulted in XXXX + dollars in extension fees and builders charge of an additional XXXX for 7 days of delay in closing ( XXXX $ per day ) Closing to XXXX $ extra for closing to customer without a single fault of Customer in addition to causing mental stress of gathering extra money to close at last moment that was set aside for purchasing stuff for new house
|
| 08/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ), deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank XXXX XXXX to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( Fifth Third Bank ) to confirm funds and to give myself peace. On XX/XX/2020 I called Fifth Third Bank ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX XXXX to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank XXXX again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by XXXX XXXX. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 XXXX XXXX deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.
|
| 08/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Back in XX/XX/XXXX I had a checking and a savings account with 5/3 bank. I had the checking account set up to automatically send a check out each month to pay a regular bill ( home owner 's association ). I would receive the rent check ( from the people renting ) and deposit it into this account each month to cover the mortgage and association. I had to move out and rented it out to try and keep it when I had no income and had to file a bankruptcy. Well when the rent was late one month, 5/3 still sent a check from my account when there were no funds to cover it without my knowledge. I still had XXXX sitting in the savings account with 5/3. I was never notified of anything and because I was n't receiving rent, I was n't using 5/3. Cut to XX/XX/XXXX when I was working in the mortgage dept of a credit union as a temp. When they offered me a job and i had to go through all of the hiring process. This is the first knowledge I had that 5/3 had submitted my name as someone who writes fraudulent checks to XXXX and then sells the " debt '' ( for a check I did n't write! ). For years now, I not only receive nasty phone calls and threats but they call people in my family and hound them and tell them they are filing charges against me to try to scare them. It is absolutely disgusting! I called and called and went into fifth third, to try and rectify this at the time that I found out about it. Needless to say that when I was desperate for a job, I was not hire-able and lost my job! I only got the run around from fifth third, every location told me to try a different number/ office and absolutely no one in the company could tell me how to escalate anything. It was an absolute nightmare! And it goes on and on! Even if i paid one of these people harassing me, I am told the only way it will ever be removed from XXXX is by fifth third and they will not do it because they do not own the debt anymore. Every time this debt is sold to someone else and they make a query on it, it renews for another 5 years!!!! These people will never stop harassing me and my family. I even filed a complaint with the BBB ( which is a joke ) and they did n't even bother contacting them!
|
| 11/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I refinanced my mortgage through my existing mortgage holder, 5/3 Bank, in XX/XX/XXXX. At the time I refinanced, my property also had a {$3000.00} special purpose credit program forgivable loan with XXXX XXXX Bank. The XXXX XXXX Bank forgivable loan closed in XX/XX/XXXX and I had been under the impression, based on information that closing agent had informed me, that the interest only payments on it would be accelerated if the loan terminated prior to the stated 3 years for the loan to be forgiven, but that the loan would otherwise be forgiven. During the refinance process with 5/3 Bank, I was informed that the XXXX XXXX Bank closing agent had been incorrect on the interest only payments being accelerated and that the loan would either need to be paid in full or held for a specific period of time. I asked if the loan with XXXX XXXX Bank could be subordinated. The person in charge of the XXXX XXXX XXXX informed that the product would only subordinate if I was refinancing with them. When I asked where in the loan documents I signed did it say that, he stated that they would make an exception for me and would subordinate the loan so long as 5/3 Bank requested it. I went back to 5/3 Bank with the form necessary to subordinate the loan so that I would not have to pay the full amount of the forgivable loan. The 5/3 loan officer who assisted me with the refinance informed me that they could not do a subordination on the mortgage due to the product they were refi-ing me with ( easy home refinance ) would not allow for it. I contacted the XXXXapproved mortgage counselor who I had spoken with prior to beginning the refi. She researched it and spoke with the community lending manager at 5/3 and was informed that it was feasible for the loan product to have a subordination. When I provided this information to the loan officer, she told me again it wasn't feasible. I had to make the decision of proceeding with the refinance with the interest rate from when I started the process or continue to challenge to have the forgivable loan subordinated so that I would not have to pay it back. I chose to close the refinance and pay back the forgivable loan in full.
|
| 07/02/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I am the XXXX XXXX and XXXX XXXXr of a XXXX, Ohio-based XXXX XXXX, XXXX XXXX XXXX, which has been defrauded by a client of Fifth Third Bank -- XXXX XXXX XXXX XXXX, which is based in Illinois. Their 5/3 account number is : XXXX XXXX XXXX XXXX paid my company {$3000.00} on XX/XX/2020 via ACH ( from Fifth Third account to our XXXX account ). They also introduced me to XXXX XXXX, the Vice President and commercial accounts manager at 5/3 Bank in XXXX, IL : XXXX : XXXX I spoke with XXXX on the phone on XX/XX/XXXX XXXX to make sure that XXXX XXXX XXXX did indeed pay via ACH , which she confirmed they did.
XXXX XXXX XXXX XXXX also provided us with a signed letter stating they paid us {$3000.00} and have no claims ( which I enclose ).
However, on XX/XX/XXXX, XXXX XXXX XXXX was able to completely reverse the ACH payment -- all {$3000.00} of our money, from our bank account at XXXX. This is bank fraud, pure and simple. I pointed out in my complaint to XXXX XXXX that ACH reversals are only allowed if there was either a mistake in the amount or a mistake in the recipient, neither of which were the case as easily proven. Despite that, somehow the internal controls of Fifth Third Bank failed, and this fraud was allowed to happen. I thought that at least by bringing this to the attention of Ms. XXXX she would be able to correct the mistake and prevent Fifth Third from being part of this fraud by XXXX XXXX XXXX, however, unfortunately, she simply washed her hands and said this is a dispute between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX -- total nonsense considering we are talking about a bank transaction, a fraudulent payment reversal that was somehow allowed by the XXXX branch of Fifth Third Bank.
I have filed a complaint with the Federal Motor Carrier Safety Administration ( FMCSA ) of the U.S. Department of Transportation, and have also filed complaints with the U.S. military since it was their shipment that we transported on behalf of XXXX XXXX XXXX ( who acted as a broker ). I will be continually escalating this on all avenues, especially the U.S. government and on social media, so that everyone knows what kind of a company XXXX XXXX XXXX is.
|
| 01/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
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I received this voice mail ... This message is intended for my name. I received the fax order regarding a complaint that was filed against you. I have been retained to serve you with documents to appear at either your residence or your place of employment. If you have any questions or concerns about the complaint or wish to rectify the matter you can hit any key on your phone to connect to our office directly or call us at the following number XXXX. When calling please reference file number XXXX****. You have officially been notified.
This is my former married name. I called the number back and the person stated they were representing Fifth Third Bank and the charges were Breach of Financial Contract and some type of Fraud. I advised I had an Attorney as this was under a bankruptcy and the call ended abruptly without any information being shared regarding this. I called back and asked to confirm the information that was told to me and a gentleman answered and responded with " since you know everything I really should n't have to tell you anything. '' I shocking said " what kind of business is this? '' He replied " again ma 'm, since you apparently know everything do n't you need to tell me what kind of business this is ... i do n't need to tell you anything '' and hung up on me. Absolutely shocked I immediately called back and talked to the original person I talked to the first time and confirmed the " charges '' that were to be put on me for this debt and again informed this person this was under an active bankruptcy and i have an attorney and reminded him of the law. I also asked him what the name of his business was and all he would tell me is the Law Offices of XXXX located in Tennessee. That 's all he would tell me. My initial findings is that business does not exist and i do not think this credit collections company is legitimate as after talking to my Attorney he informed me the company handling this particular debt is in New Hampshire and it 's not this company. This, along with many other scam artists like this, are using scare tactics to prey on people to take their money illegally. This needs to be stopped ... XXXX by XXXX.
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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My account is with fifth third bank. A number was called my the mortgage company which was not working. Also no one tried to contact me via any other mode.
The account was short of money was not known, I deposited another {$10000.00} the bank and the mortgage company did not pull the funds. They just impacted my credit report.
Asked to change the reporting as I was not delinquent. Fifth Third bank systems are messed up- Please do not give them the right to ruin the credit report in a whim.
I am not delinquent and have a good history. Assist me please.
XXXX XXXX On XX/XX/2023, XXXX XXXX drafted a payment in the amount of {$3800.00} out of your checking account ending in XXXX. This was to satisfy the XX/XX/2023, payment. At the time of the draft, your checking account only had a balance of {$2500.00}. As a result, your checking account became overdrawn ( {$1300.00} ). The decision was made to not pay the withdrawal, and the {$3800.00} was returned and credited back to the balance on XX/XX/2023. If a payment is returned, XXXX XXXX will automatically re-process the withdrawal. On XX/XX/2023, XXXX XXXX did attempt to draft the mortgage payment in the amount of {$3800.00}. We do show there was a deposit in the amount of {$10000.00} as well on that date. None of the funds from the deposit were made available for processing that day. As a result, the mortgage payment was returned on XX/XX/2023. A Late Payment Notice was mailed on XX/XX/2023, as we had not received the XX/XX/2023, payment. Our records show that we started to call you at the phone number ending in XXXX daily on XX/XX/2023, through XX/XX/2023, to make you aware of the past due payment. On XX/XX/2023, XXXX XXXX drafted a payment in the amount of {$3800.00} out of your checking account, which applied to satisfy the XX/XX/2023, payment.
On XX/XX/2023, we received a payment in the amount of {$20000.00}. The payment applied to satisfy the XX/XX/2023, and XX/XX/2023, payments in the amount of {$3800.00} each, satisfied the late fee assessed for the XX/XX/2023, and XX/XX/2023, payments in the amount of {$68.00} each, and the remaining {$12000.00} was applied towards the principal.
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| 06/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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Fifth Third Bank denied me to make my loan current. Made me reorganization and increased my mortgage over 30 more years. They also broke into my home at least 3 times.
There is more attached They have escalated the interest 4=5 percent. Second I was denied to make my loan current They increased my loan has been increased to be a 62 year mortgage. I believe the XXXX. employees violated truth and lending practicing I am very upset they allow people break into my home and damage my property, I should have been allowed to keep my FHA loan. I would have matured this loan in 2022.
I believe and my feelings Truth and Lending practices have been violated. I am also concerned this broke the laws like extortion, fraud, breaking and entering. etc I wonder how many payments that Fifth third has denied excessive payments and sending checks to me that have never been cashed. It is ridiculous.
There is no way I should still have to pay them for 34 more years. I haven't even able to pay my loan and haven't even paid 50 % loan after 28 years.
I also believe these employees and goals were to force me to change my mortgage from the FHA XXXX XXXX XXXX XXXX was paid 2 {$800.00} payments and they never applied to my mortgage and their Manger was absolutely RUDE Second I already made payments. The bank does a horrible job accounting. They should never break into my home and demand be paid a second time {$2400.00} or they will foreclosure my property. So my payments should be probably 4-5 payments in advance I am also very concerned that their craigslist employees will try and break into my home and they will find myself in a life threatening situation Please see the attached documents I the consumer Financial Protection believes Fifth Third Bank should be sued I will be more then willing to help.
Please only email me : XXXX or telephone Number ( XXXX XXXX XXXX. I do not want any snail mail. I was recently in the hospital for XXXX weeks and the XXXX for four times and had XXXX XXXX XXXX. When healthy I am single and travel for business and do not want sail mail I also believe the employees names addresses city state zip and emplyee ID 's given to me
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| 08/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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To whom it may concern Hello, my name is XXXX XXXX. I am trying to refinance my home. I just found out in XXXX that my credit score has gone down significantly because of two 30 days past due claims by my mortgage company in XXXX and XXXX. This was a surprise to me considering I never missed a payment. Since the origination of my loan my payments have been between XXXX and XXXX per month. I always pay XXXX just to insure I am paying above the amount of the mortgage.
In XXXX. I received a letter stating that I was going to have forced insurance if I did not provide proof of insurance. In XXXX. I had my insurance provider send proof of insurance. Assuming that the problem had been resolved I continued to make my payment as usual.
My mail is not reliable, so I was not aware that fifth third bank had misplaced the proof of insurance and raised my payments up until I got a phone call from fifth third bank notifying me of my partial payments in which I immediately brought the account current. I had my insurance company resend my proof of insurance and the problem was corrected and they mailed me a reimbursement check. I assumed that because they were willing to correct their mistake they would also correct their credit reporting but I was mistaken.
In XXXX they said that I was an entire month delinquent. Upon further investigation it was determined that my regular payment was not being recognized because it was a partial payment due to an escrow adjustment that I was not aware of. This was corrected and I immediately brought my account current.
Because of this confusion they reported to the credit bureau two thirty days past due claims. I asked them to correct this, and they said they could not because the shortages were not because of the mistake they made on my insurance, but rather the escrow adjustment. I feel this was an unfair reporting since I was working on resolving an insurance dispute with them at the same time as these adjustments were made. They have since adjusted my escrow back to its original amount. ( very suspect ) They are not accepting any responsibility for the misplaced payment or the mistaken laps in insurance.
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| 05/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
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On XX/XX/XXXX, as I tried to log in in my credit card site to pay the bill, i received a notification that a new card was sent to me and couldn't log in. The site informed that a new card was sent to me. I was in XXXX XXXX helping my brother with the aftermath of Hurricane Maria. Since I didn't want to be late, I called the Customer Service No.XXXX. Since the card was delivered to my house and I didn't have the card present, I couldn't find any information on the new card. I asked the representative if I could pay by phone and she said yes, and they charged my card for it. The amount of {$100.00} was withdrew from my checking account on XX/XX/XXXX, and the fee was charged to my credit card. On XXXX, the same thing happened and on XX/XX/XXXX, another {$100.00} was deducted from my checking account. This card was from the Fifth Third Bank and ends XXXX, expiration XX/XX/XXXX.
On XXXX, I called the customer service again because I wanted to pay my account by phone, but I was informed they couldn't find my account. When I arrived to my house in XXXX I contacted them again and directed to fax a copy of my current bank account statement showing that the money was deducted of which i did. By then I had in my hands the card ending in XXXX issued by XXXX XXXX. After sending the documents again, they said that the only choice I had was to pay the missing payment ( {$200.00} plus change ) to bring the account up to date so they can deduct all the fees I was accrued to " not paying on time ''. I tried to resolved thru my credit union and they said they couldn't to it and was given the Fifth Third customer service.
I called and they couldn't help me because they couldn't find any record of my card : by card no. by tel. no. by name and address. It was as if my records disappear.
I just want that they return my {$200.00} plus the fee they charged to the card for the service.
I know this sound stupid, but I live in a fixed income and {$200.00} is a lot of money to me.
I know that money is somewhere and the payments were not applied to the new card nor my money return to me.
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
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| 09/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I had an account at Fifth Third bank for several years. In the beginning of XXXX, I began using the account more regularly, as such I increased my minimum daily balance to {$10000.00} and the account has never had less than {$10000.00} in it. After making a deposit, the teller decided to accus e me of depositing fake money orders that were obtained from the US Postal Service. I was the purchaser and as such I was listed as both the pay to and pay from on the money order. I received a call on XX/XX/XXXX from the fraud department asking for more information, which was all very self explanatory but I answered nonetheless. The bank then requested info to verify the funds, which was completely unncessary, but I provideded nonetheless.
On XX/XX/XXXX, I visited the branch in XXXX XXXX, IL where I met with the branch manager and together called the fraud dept. We were told the account was set for closure and would be closed in 35 days, and I was told that my money would not be returned to me and would be sent to a holding account forever.
I visited the branch where the teller violated federal banking regulations and made false accusations and I simply asked them, if someone brought a fake {$100.00} bill, would you take it? As expected they replied " no, not if it was fake '' so I asked them why they accepted $ XXXX of money orders which are a certified financial instrument and the activity was consistent with all my past acitivity and there was never any issues with anything bouncing or overdrafts. The telller lied and inaccurately filled out suspicious activity reports ( SARs ), because the teller told me " you just got these today? '' to that I replied " yes '', again, it has the date listed on them. The teller then said because they were " obtained today '' they had to be fake. She filed the SAR and other reports resulting in the account closure.
I spoke with the branch manager where the deposit was made, XXXX XXXX, XXXX and he agreed his teller, XXXX, XXXX XXXX made a mistake. He has not provided any meaningful update and I want my money as it has now been held longer than federal banking regulations allow for.
Thanks, XXXX
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| 08/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I, XXXX XXXX XXXX received FIFTH THIRD BANK adverse letter dated for XX/XX/2022. It stated I was denied due to the inaccurate information received from the consumer reporting agency/agencies : XXXX, XXXX and XXXX.
Pursuant to 15 USC 1602 ( f ), The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. In regards to 15 USC 1602 ( f ), CREDIT IS MY RIGHT AS A CONSUMER!!
On XX/XX/2022 I initiated a credit transaction with FIFTH THIRD BANK, where I applied & extended Credit by utilizing my Credit Card, as defined under 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, card number ending in XXXX Credit was extended to FIFTH THIRD BANK with my Credit Card, card number ending in XXXX, in return for me obtaining a mortgage loan or better defined as money under 15 USC 1602 ( l ) to purchase my future home with. Unfortunately, FIFTH THIRD BANK has violated my Consumer Right and failed to complete the credit transaction by not granting me the Right to defer payment as defined under 15 USC 1602 ( f ).
In result of this adverse action, FIFTH THIRD BANK has also committed a federal crime by violating 15 USC 1602 ( p ) -The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. FIFTH THIRD BANK in-fact utilized my Credit Card, card number ending in XXXX, on XX/XX/2022, and XXXX XXXX XXXX, the cardholder- received no benefits from FIFTH THIRD BANK unauthorized use of XXXX XXXX XXXX Credit Card on said date and credit transaction .
In conclusion, pursuant to 15 USC 1691a ( 3 ) - Activities constituting discrimination, ( 3 ) because the applicant has in good faith exercised any right under this chapter, FIFTH THIRD BANK shall not discriminate against me because I have in good faith exercised MY RIGHT to Credit as defined under 15 USC 1602 ( f ).
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| 03/11/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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|
Web |
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In XXXX of 2019 I received a set of e-mails from Fifth Third Bank thanking me for opening an account. I never opened an account with the bank. In fact, I haven't set foot in the state of Ohio in over 40 years.
The account was opened by : XXXX XXXX Personal Banker II / NMLS # XXXX Fifth Third Bank | XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Oh XXXX Main : XXXX | Direct Line : XXXX | Fax : XXXX I repeatedly tried contacting Fifth Third Corporate HQ immediately after I received these e-mails because I suspected fraud. Not surprisingly there was no way to get through and when I did reach someone they were unwilling/unable/or completely uninformed to help. I followed Fifth Third 's directions to report this to their investigation e-mail and received no response at all.
I then called the branch in XXXX, Ohio eventually and spoke to Ms. XXXX 's manager. He explained this all away with saying my e-mail address was entered for this account but it was for a different customer who had my same name. I don't have an extremely common last name so found this a bit fantastic but possible. I mentioned the XXXX XXXX example to this manager as well as the nameless person I spoke to at Fifth Third Corporate.
I left my interaction with Fifth Third distrustful. So I froze all of my credit reports. Thank XXXX I did because now the Press is reporting just as I suspected that Fifth Third mimicked the dishonest XXXX XXXX.
I want Fifth Third to contact me and provide me with an attestation - something I requested of Ms. XXXX 's manager - that no account was opened in my name. If there was I want to know who opened it and how, if my credit was tarnished, will I be made whole.
Fifth Third needs to be fined heavily for this behavior and people there need to be sent to prison. I have worked so, so hard to keep my credit rating at an excellent level. Some dishonest jerk who needs to make an unacceptable quota finds my information through dishonest means and opens an account in my name. That is STEALING!
Furthermore, is likely evidence that Fifth Third has not/not stopped opening accounts without customers ' knowledge. Please reopen your investigation.
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| 04/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I refinanced my Fifth Third bank loan with XXXX XXXX. A pay off check was sent from XXXX XXXX XXXX XXXX ( via XXXX ) to Fifth Third bank on XX/XX/2023. That check was received at Fifth Third bank on XX/XX/2023 and signed for by XXXX XXXX ( an employee of Fifth Third ). XXXX records indicate that XXXX XXXX signed for the check at XXXX XXXX.
After several days passed and the check was not processed ; XXXX XXXX contacted Fifth Third and was told that they were not able to locate the check. The XXXX XXXX agent was instructed to stop payment on that check and to resubmit a new payment. XXXX XXXX sent a second check to Fifth Third ( via XXXX ) on XX/XX/2023 and it was received at Fifth Third on XX/XX/2023 at XXXX XXXX.. Again the second check was received and signed for by XXXX XXXX XXXX
I contacted XXXX XXXX on XX/XX/2023 to get an update on the closing of the Fifth Third account. The XXXX XXXX agent told me that he was told that the second check was received in the proper Fifth Third office on XX/XX/2023.
After receiving this information I contacted Fifth Third. I was told by Fifth Third that I was being charged additional interest on the loan because their records did not show that a payoff check was received until XX/XX/2023.
I filed a complaint with Fifth Third because I am being charged additional interest because the account was not closed on XX/XX/2023. Fifth Third received a check for {$250000.00}. The payoff amount on XX/XX/2023 was {$250000.00}. Fifth Third refuses to take responsibility for misplacing the initial check that was sent and received by them in XXXX. The difference between the amount of interest I'm being charged and what Fifth Third says I owed ( because they misplaced my check ) is {$1900.00} I was told on XX/XX/XXXX, by Fifth Third, that my complaint was being denied because there was no way for them to verify receipt of the first check " matter closed '' .The reason XXXX XXXX XXXX the payoff check to Fifth Third by mail is because they were not given an option to wire the payment to Fifth Third. I was told by Fifth Third, before any payment was sent, that all excess funds would be returned to me.
|
| 10/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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I have been following very closely the activities of my mortgagee, 5/3 Bank. After I complaint about them in regards to the handling of my mortgage deferment, and more than 10 phone calls, the case was finally solved.
I tried to set up auto-pay and log in into my online banking account. To my surprise, 5/3 reinstated two Equity Lines in my name and started reporting since XX/XX/XXXX.
I am attaching the statements of these accounts.
The first Equity line of credit account number ending in XXXX is said to have started XX/XX/XXXX, and has a balance of {$11000.00}, no information on next payment amount and a payoff amount of {$19000.00} The second Equity Line of credit account number XXXX states that the account was started XX/XX/XXXX and has a balance of {$25000.00}, no information on next payment amount and a pay-off amount of {$43000.00}.
Please note that I filed bankruptcy in XXXX and requested a loan modification to retain my residence. Any debts associated with my property at XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX were consolidated in a new mortgage loan # XXXX. According to the XXXX website attached statement, the balance due in this account is {$110000.00}.
However, the account shown in their Loansolutionscenter.com shows a balance of {$130000.00}, as shown in the attached statement.
I called their Customer Service department and I was transferred 6 times. I was on hold for more than two hours between transfers talking to one person and then another, who will continue transferring me to someone else. One of their agents told me that they could see that my bankruptcy case was discharged in XXXX and the accounts were discharged. She could not explain why the accounts appear as active now and were started to be reported in XX/XX/XXXX.
I was forced to file bankruptcy Chp. XXXX in XXXX which was discharged XX/XX/XXXX. I am attaching a copy of the discharge.
None of the Equity Lines of Credit should be showing in my account, and the mortgage balance should show the correct amount after the deferred amount was added.
I want the Equity Lines to disappear from my account and the mortgage loan to show the correct amount.
|
| 10/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I moved from XXXX to XXXX, and need to get a XXXX title. I called my lender, Fifth Third Bank, for a faxed copy of my title, and they stated that all title matters were handled through XXXX.
On XX/XX/XXXX, I tried to initiate a state change from the XXXX website. It said the fee would be {$36.00} to mail the title to my new state 's vehicle license office.
I decided to call them instead at XXXX to see if they could fax the title, as it should be cheaper and faster to fax the title. When I talked to the agent, I asked them if they could simply fax the title over, they said no, they can only mail titles because " it is a legal document ''.
They said it's a {$43.00} fee over the phone or {$36.00} online. I said that frankly that fee seemed a bit outrageous and asked if they could waive the fee, they said they can't, but they could refer me back to Fifth Third if I wanted to take it up with them.
I talked with my local vehicle licensing office, and they had never heard of such a title fee. The person on the phone sounded surprised, and frankly, this seems like a ripoff to me. I didn't realize the fees would be so high, and if this was disclosed, I would have chosen another lender.
So I decided to contact Fifth Third again on XX/XX/XXXX. The agent XXXX was very friendly, but informed me that yes, all title matters have to go through XXXX. I told her that the fee seemed really high, and she said that was the only option.
Which brings me here. Fees of this nature should have to be disclosed upfront, like they do with credit cards. I find this fee outrageous and excessive. The fee itself is not the problem, I am upper middle class, but I do not feel it is morally right to pay this fee without bringing attention to this new practice. It turns out that a lot of auto loan vendors have taken to using XXXX, I'm sure that it greatly reduces their costs, and perhaps they even receive a kickback, leaving the customer to foot the surprise bill.
Not to mention the fact that mailing the title is slower and less secure than fax. What if the title gets lost or stolen? I read multiple horror stories online of this happening with XXXX.
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| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
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I applied to refinance an existing mortgage with 5th 3rd Bank on XX/XX/XXXX, and submitted all the documents they requested. These documents included the following : Uniform Loan Application, Form 4506-T, Borrower 's Signature Authorization , Intent to Process, Social Security Income , and Pension Income, W-2 Forms.
On XXXX, XXXX, XXXX was notified that Fifth Third needed some information : My most recent personal bank statement, all pages to document receipt and deposits of monthly pension and copy of my IRS XXXX IRS extension, which I did.
In XX/XX/XXXX I sent a letter to XXXX XXXX complaining of the delay in processing my application because Fifth Third had lost my documents and delayed receipt of them when mailed registered and return receipt.
On XX/XX/XXXX I mailed a letter to XXXX XXXX, President, Fifth Third Bank stating that the letter from his office dated XX/XX/XXXX but postmarked XX/XX/XXXX, in which his office said my application was closed as incomplete on XX/XX/XXXX. In my letter I asked why was my application closed as incomplete on XX/XX/XXXX when on XX/XX/XXXX his office requested additional information all of which I faxed to Fifth Third on XX/XX/XXXX? I stated that : " It is obvious to me that the loan officer looked for baseless reasons for denying refinancing when I have timely complied with all requests for additional information and when I sent duplicate information that was lost at your ( Fith Third ) end.
On XX/XX/XXXX I received a letter from Fifth Third in which they stated : " Our decision to deny the loan application stands. Regrettably, we did not receive the required minimum documentation, through no fault of your own, You provided receipts as proof of having mailed the documents, however they never reached the Bank. Lack of required documentation is considered an incomplete application. '' I assert that the reason that Fifth Third denied my refinance application ( they hold the existing mortgage that have been paid on time, no delinquencies are any other problem with payment, my current credit is good to excellent, the loan to house valuation is high ) is because of my race -- XXXX XXXX.
|
| 08/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
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Web |
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I went to FIFTH THIRD BANK for a consumer credit transaction.
FIFTH THIRD BANK denied my credit application & sent an adverse action.
Denying my application & sending an adverse action is considered DISCRIMINATION against me the Consumer.
Me the consumer & natural person was excising his rights under Title 15 Chapter 41 when FIFTH THIRD BANK was DISCRIMINATING.
FIFTH THIRD BANK is also committed fraud by denying my credit application for the extension of credit.
This company violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor.
Pursuant to Title 15 U.S. Code1602 ( f ) credit means the right granted.
Title 15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card.
Title 15 U.S. Code 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card. EXTENDING CREDIT IS MY RIGHT UNDER TITLE 15 CHAPTER 41. FIFTH THIRD BANK showed discrimination because I was exercising my rights under Title 15 U.S. Code CHAPTER 41 CONSUMER CREDIT PROTECTION.
FIFTH THIRD BANK Failed To Comply With Title 15 U.S. Code 1691a ( 3 ) because the applicant has in good faith exercised any right under this chapter.
Title 15 U.S. Code 1691e ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.
Title 15 U.S. Code 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection. FIFTH THIRD BANK denied my credit application thats an UNAUTHORIZED ACCESS DEVICE & UNAUTHORIZED CREDIT CARD US Pursuant To Title 18 U.S.C. 1029 ( e ) ( 3 ) & consider a CRIME Pursuant To Title 18 U.S. Code 1029
|
| 09/30/2016 |
Yes |
- Bank account or service
- Savings account
|
|
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Web |
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Fifth Third Bank closed my checking and saving accounts. When called the customer service No Reason was given. Made several calls. They just gave me the name and number for the investigation department to call ( XXXX ) and talk to XXXX XXXX there to get information about my closed accounts. I called XXXX XXXX every day for more than a week ( XXXX/XXXX/16 through XXXX/XXXX/16 ) and left several voice messages for her explaining my concerns and requesting a call back. No one called.
Finally had my brokerage accounts fund manager XXXX, at a local Fifth Third branch ( XXXX XXXX, IL ) on my request, tried to get hold of her and was told that it was blocked for some suspicious deposits and withdrawals. The bank would not specify which transactions. I have checked with all my vendors and clients and none of them had reported any issues with the payments they sent or received. All deposits and withdrawals were made into/from the accounts within US.NO FOREIGN TRANSACTIONS were made at all. The branch manager who spoke to XXXX also mentioned that the case is being reviewed by a different person and she would be giving me a call to discuss this case within next couple of days. More than a week passed and no one called me.
Later I received a letter from Bank Protection Department of Fifth Third Bank that my accounts would be closing within10 days ( Again no reason was given ) and a Cashier Check for the balance in my accounts will be sent to me shortly.
It 's been several weeks now and I have not received the check for the funds that were in my accounts at the time they were closed. Fifth Third Bank does not tell me the status of the check. All my savings were in the accounts and I am left with nothing. Had to borrow money from family to pay the bills that were due right away and still no word on my funds availability from XXXX. I had over {$15000.00} in both saving and checking accounts all together.
Please help me get my money back.
I need Fifth Third bank to send me my money that was in the accounts when they closed it as they promised. I still have the letter that they sent to me stating that a cashier check would be sent.
|
| 08/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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|
Web |
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I am filing a complaint in response to the resolution I received from Fifth Third on XX/XX/XXXX regarding the bank damaging my credit for following the explicit instructions given to me by the bank.
Throughout the investigation, there was a complete lack of communication from Fifth Third and the eventual company response failed to even acknowledge the basis of my original complaint.
The issue was I was given blatantly false information and incorrect instructions from multiple bank representatives regarding a credit card dispute. I was advised at the branch ( end of XX/XX/XXXX, in-person meeting with XXXX XXXX XXXX to refrain from making any kind of payment on the card during the dispute and was later penalized for following the explicit instructions given to me by the bank. I also received contradictory and false details about the status of my card on a recorded line ( XX/XX/XXXX ). At the beginning of the process, I was contacted by the case manager, XXXX XXXX, who assured me he would be in regular communication with me regarding the issue. Despite calling him multiple times a week, I was not able to get a hold of him once beyond our introductory conversation.
After hearing nothing from Fifth Third throughout the investigation, I received the resolution and it did not even address the claims regarding false information and inaccurate instructions given to me by the bank in their response. This was the entire basis of my complaint. To me, this is a sign that the complaint was not investigated with any reasonable amount of legitimacy or objectivity. In this situation, Fifth Third is both the defendant and the judge when it comes to resolving this complaint, not to mention the conflict of interest in the fact that Fifth Third benefits financially ( accrual of fees ) by ruling against my favor. I have not received the bare minimum of communication or even accurate and accessible information regarding my credit card with Fifth Third since the dispute took place.
I insist that Fifth Third explains and acknowledges the blatantly incorrect information they gave me, and does not penalize me for what is a company error.
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| 08/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My mortgage is with Fifth Third Bank. My monthly payment is set on autopay for {$1600.00}. I requested to pay an additional {$200.00} per month towards the principle for a total of {$1800.00}. {$1600.00} was autodrafted on XX/XX/22 without the additional payment I requested. On XX/XX/22, I called to follow up on the {$200.00} extra that was supposed to be set up on autodraft as well but was never set up. The rep I spoke to had no explanation on why it wasn't done. On XX/XX/22, {$2800.00} was autodrafted. My husband called to inquire on why the drastic difference and was told that it's to cover our flood insurance. He explained that our HOA covers our flood insurance as we've explained before. They apparently needed a specific documentation as proof and had to reach out to the HOA for it. We were told the difference would be refunded immediately. It was never done. On XX/XX/22, {$2800.00} was autodrafted. My husband called again, same story. There was no explanation on why we weren't refunded for the balance over our usual payment. We were promised it would be refunded and to date that has not been done. We spoke to other representatives today in the insurance, mortgage, and customer service department and there has been no effort to resolve this issue. The customer service representative said she can see the request for the refund and advised to give it until XXXX for the refund but I do not have any confidence that this will be processed. There is no explanation on why the last 2 refund requests were not fulfilled either. My monthly billed amount should go back to {$1600.00} and a total of {$1800.00} should be autodrafted with {$200.00} towards the principle. I do not have any agreement from anyone to see that this change will be made. Nobody seems to be able to provide any kind of follow up. I'm being told to call again then get bounced from department to department. I need the overage charges refunded ASAP and I want my monthly payments to go back to what it was before. I would also like a phone call or email to confirm that this issue is acknowledged and that someone will follow through to see that it is resolved.
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| 02/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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To whom it may concern, OnXX/XX/XXXX We received a Fifth Third Credit card statement Trio Credit Card, dated XX/XX/XXXX to XX/XX/ in my husbands name, with a XXXX balance.This credit card in my husbands name was opened up on XXXX. My husband never applied for this credit card at Fifth Third Bank in XXXX XXXX Illinois, so we called the credit card Fraud department at Fifth Third, and explained the situation and closed the credit card down due to fraud. We then asked if any other cards were opened up in his name, or my name and they told us that a XXXX XXXX rewards card was opened up in my name on XXXX and told them this was fraud as well and to close it down.My husband and I NEVER received an official credit card in the mail, nor did we ever receive any statements except for the one dated XX/XX/XXXXto XX/XX/XXXXin my husbands name which alerted us to these credit cards being opened up fraudulently.
Both of these cards were opened coincidentally the same day as our loan was opened by XXXX XXXX manager at Fifth Third in XXXX XXXX, which makes me believe someone at XXXX XXXX in XXXX XXXX opened up these cards fraudulently.
The manager at the time, XXXX XXXX was fired from Fifth Third Bank in XXXX XXXX which makes this even more interesting.Not only did my husband and I find out we had these 2 cards opened in our name, but I had 2 other cards opened in my name from Fifth Third Bank, and my husband had 1 other card opened up at Fifth Third in a woman 's name using my husbands social security number. It is our belief that all these fraudulent credit cards were opened up so that the person who opened them up at Fifth Third Bank ( in XXXX XXXX )? " got bonus points '', or extra money for doing this. Why would all of these credit cards be opened up if my husband and I never received an official card to charge with? We would advise ANYONE NOT TO OPEN CREDIT CARDS UP AT FIFTH THIRD BANK due to what happened to us! We reported this to our local police department, The XXXX FBI, and the FTC in XXXX. No one should have to experience this, but unfortunately this has happened to us since using Fifth Third Bank in XXXX XXXX, Illinois.
|
| 04/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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|
Web |
Older American, Servicemember |
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In XX/XX/XXXX, I was in my local branch of Fifth Third bank where I am an account holder requesting a cash advance on my credit card. A manager overheard me speaking with the teller and offered to open me a line of credit instead. He suggested a XXXX limit and I agreed. I had the line of credit that day. In XX/XX/XXXX I received the attached letter from Fifth Third suspending my line of credit. As I was not aware of any changes to my credit history, I went to the local branch and spoke with the manager. He immediately checked my credit in is office and agreed there were no changes and asked me for the letter so he could research it. The following week, having heard nothing, I called the manager, XXXX XXXX. He told me the reason for the suspension was that I 'had used a large amount of my credit line '. I then asked him for the letter back and he said he would find it and call me back. A week later when I called, I was told the letter was " shredded ''. I asked him to get me another copy, and after waiting several weeks I contacted XXXX XXXX on XXXX XXXX at Fifth Third headquarters who said she was working on getting me a copy. I finally received the attached copy several days later. I then contacted XXXX XXXX XXXX as the Fifth Third letter recommended and requested a copy of my credit report ( attached ). The credit report showed NONE of the factors referenced in the Fifth Third letter. I then called Fifth Thirds lending department in XXXX to ask about the discrepancy and was told I could not dispute the suspension even if it was in error. On XX/XX/XXXX I sent the attached letter certified mail to Fifth Third and received confirmation it was from the US Post office. ( receipt attached ). Almost three weeks later I had not received a response to my letter and called Fifth Third again on XX/XX/XXXX at XXXX XXXX and spoke with XXXX who referred me to her manager XXXX. XXXX confirmed they had received the letter and that it had been assigned to case manager XXXX. She told me he was on another call but took my phone number and said he would call me as soon as he finished. I have not heard from anyone at Fifth Third.
|
| 10/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I received a a letter from XXXX on XXXX dated XX/XX/XXXX stating my mortgage loan is past due in the amount of XXXX. I immediately called On XXXX and spoke with XXXX as I made payment per usual of XXXX and it was cashed. It was explained to me that I had a escrow analysis and my mortgage was increased. I explained I never received notification and asked for it to be sent again for my review before I make any adjustments. In addition, I have always traditionally paid the shortage in full as she noted in past years.
XXXX demanded my banking information to pay the shortage immediately or my loan would be in default. She did agreed to waive the fees. In addition, I asked about deleting my escrow and paying my taxes on my own. In which she provided me with the email address of the escrow department and what contents were required. I was informed that it took 5-7 business days for a reply.
I contacted XXXX on XX/XX/XXXX to follow up on my request and spoke with XXXX who informed me that the late fee remained from XXXX and I would also incur one for XXXX because I still had not been provided with documentation of an escrow analysis requested prior. XXXX agree to waive the late fees for XXXX. I asked about the outcome of my request and was informed that I was approved to delete my escrow account. She informed me I still had to pay the shortage or I would incur a late fee for XXXX. I asked if I was approved and I have XXXX in my escrow account why I had to pay an additional XXXX if XXXX would have to reimburse me those funds and she said so I dont pay another late fee. I made payment immediately of XXXX.
To my utter surprise, I received a notice dated XXXX after being told I was approved by XXXX on XX/XX/XXXX that I was denied due to delinquent payments. I was delinquent XXXX because I was unaware of the increase! I have not been given the opportunity to even see this bill and when I called the number to rectify I am told too bad and their is no one I can speak to but just email another request. I am be penalized for not receiving a notification. I alone have to accept responsibility for XXXX mailings and the XXXX.
|
| 01/16/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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|
Web |
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To Whom It May Concern, I am filing a complaint on Fifth Third Bank regarding there was no contact to me, XXXX, who is owner of XX/XX/XXXX XXXX. Fifth Third Bank has claimed I was contacted by them regarding my vehicle loan being behind and they were going have vehicle reposed at listed phone numbers below, I was never contacted at these numbers.
cell phone XXXX house phone XXXX work phone XXXX Fifth Third Bank Loan Number : XXXX Believe me this would have NEVER happen if I had been contacted, I am requesting this repo expunged from my credit report. The funds were immediately paid at the local Fifth Third Bank paid in full soon as I realized the delinquent payments.
XXXX from Fifth Third spoke to my husband XXXX on Wednesday, XX/XX/XXXX approximately XXXX while I was at work. Before XXXX I was able to speak with XXXX on XXXX behalf who was stern and rude. When XXXX did finally contact me on Thursday XX/XX/XXXX at my home number I left on her voice mail approximately XXXX " after the fact '' XXXX was asking for " my '' contact phone numbers for verification, however, XXXX nor any employee from Fifth Third Bank contacting me regarding the behind payments on my XXXX XXXX XXXX. It was my husband, XXXX, who Fifth Third discussed this issue with. I then gave XXXX my cell phone XXXX, and. Fifth Third did not contact " me '' personally at any of these numbers to advise my loan was this far behind or it was scheduled for a repo.
Fifth Third Bank was contacting my husband, XXXX, at XXXX. No one from Fifth Third Bank has ever spoken to me, XXXX, or tried to contact me regarding this schedule repo. I truly had no idea my vehicle loan was behind, the I then gave her my cell phone XXXX, house phone XXXX and work phone XXXX. Fifth Third did not contact " me '' personally to advise my loan was this far behind or it was scheduled for a repo.
I am desperately trying to get a better paying job and can not have a repo on my credit report. Please have mercy and take this off my credit report.
Thank you in advance for your assistance, it is greatly appreciated!
XXXX XXXX
XXXX, MI XXXX XXXX XXXX cell XXXX home XXXX work
|
| 07/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX, Fifth Third Bank took over servicing of our mortgage loan for a property located in XXXX XXXX XXXX, XXXX. Fifth Third Bank contacted us for insurance information. We informed Fifth Third Bank that because we had just refinanced the mortgage within the year and insurance was validated in the mortgage process, the information was already in our file. We also warned Fifth Third Bank to not force-place insurance for the reason that the insurance was in force and was already in the servicing file. If in the transfer of servicing Fifth Third Bank 's file was incomplete, that is not our ( the consumer 's ) problem. Three separate telephone calls were made to Fifth Third Bank regarding the insurance. Today,XX/XX/XXXX, we received a letter dated XX/XX/XXXX stating insurance was force-placed on our property in the total amount of {$1600.00}. Today we called Fifth Third Bank stating for the FOURTH time that we already have insurance and that the insurance information is already in the servicing file. We notified the person on the telephone that we are prepared to sue and that we will be filing a formal complaint. This is that complaint, along with one we will file with the OCC. We will NOT pay the force-placed insurance. The failure to transfer servicing information is not our problem and should not be our inconvenience. Both of us ( owners ) are bankers by trade and one of us owns a mortgage company. We are well-aware that this is a servicing matter. The information on the XX/XX/XXXX notice is as follows : Fifth Third Bank, its successors and/or assigns, XXXX, XXXX XXXX XXXX, XXXX, MN XXXX ; Account for XXXX XXXX XXXX, Account XXXX for property located at XXXX XXXX XXXX [ spelling corrected ], Unit XXXX, XXXX XXXX XXXX , SC XXXX. We contacted Fifth Third at approx. XXXX XXXX eastern time for the fourth contact today, XX/XX/XXXX. We supplied the insurance information today, despite the fact they already have the information in the loan file that is under one year old only because this is the FOURTH contact. This is their problem, not ours, but they made it our problem because they are lazy and/or inept.
|
| 12/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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|
I made a deposit with a money order XX/XX/21 into my checking account. I was told that the funds would be available for me to use within one or two business days. I waited XXXX days to use my card with that account and Lord be holds my purchase was declined XX/XX/21. I went inside the bank on XX/XX/21 to sit with a teller to ask questions. I was told that some code, that I am still not sure why was placed on that deposit and I had to now wait XXXX days and that it will be placed on hold before funds are released. I asked the teller to see if there was a reason to this and what I had to do if there was anything required for me to do. What I received was still no one being able to provide to me the reason to why other than to wait XXXX days or who I can communicate with via email or phone. I also informed the teller that I been having issue with my online portal password locking me out when I normally do not use or access the account using any app or online login. I normally go into the bank personally to do business. I also notified them that my pin to my atm card was not allowing me to use the card to run transactions. I went back into the bank talked to a teller in the office and I had the worst customer service experience that no one should have to every endure. I waited contacted the customer service department XXXX phone number spoke with someone who asked me to speak with a different banker to see if they could be of any assistance. Which I did as instructed. I waited for the customer service lady to assist me while I was waiting in the common area to prepare to fill out a withdrawal sip while holding a child in my arm. I was then approached by a police officer. I didn't even have enough time between all of this to properly complete all of my transaction I wanted to do for that day. I was told to leave even though I had other funds to deposit into that account.
I still do not understand what the issue is all of this has happened I had to go to another banking company and make another deposit using a different money order in the same amount and I didn't have any issue with that bank at all.
|
| 12/16/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
On XX/XX/XXXX I noticed that there were 2 transactions in my Fifth Third checking account that were not initiated by myself or my husband. Both transactions were completed using the XXXX service which is offered through our 5th 3rd mobile app.
Transaction # 1 was done on XX/XX/XXXX at XXXX XXXX {$990.00} was XXXX to recipient XXXX XXXX via phone number XXXX Transaction # 2 was done on XX/XX/XXXX at XXXX. {$990.00} was XXXX to recipient XXXX XXXX via email address XXXX On XX/XX/XXXX I called 5th 3rd Bank to file a dispute for both of these transactions. I was told that the investigation would take 7-10 business days. I spoke to 5th 3rd on Monday, XX/XX/XXXX to follow up on the investigation and I was told that the case was closed as they determined the charges to be correct. Obviously upset with this outcome I requested that the care be re-investigated. I was told that they would reopen the case, investigate but that since it was a XXXX person to person transaction its treated as cash and XXXX will not refund 5th 3rd. Therefor 5th 3rd will not be refunding my account for these fraudulent charges.
I have tried numerous times to contact XXXX at XXXX. It is literally impossible to speak to a person at XXXX. I completed an email dispute form with them but have heard nothing. Their website says that You may also report the user directly to the FBI Internet Crime Complaint Center at https : //www.ic3.gov/default.aspx. on XX/XX/XXXX I made a comment on XXXX 's XXXX page and they XXXX messaged me to " offer to help ''. I shared with them via XXXX messenger what has happened. Hoping that finally I've been able to connect with XXXX and may they will help me, I check the message. They did not read the message and blocked me so I am no longer able to communicate with them.
I have included copies of the XXXX confirmations for each transaction. I have spoken to Fifth Thirds dispute department several times. That phone number is XXXX. The claim number is XXXX. If you need any other information, please dont hesitate to call me at XXXX. Thank you for your help in this matter. Its very much appreciated.
|
| 08/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I faxed an auto bill payment set up form to Fifth Third Bank on XXXX to setup automatic payments on my mortgage that had just been transferred to them because they don't allow you to set it up online or over the phone with them unless you bank with them - which is NOT mentioned on any paperwork I received, including all Welcome information. On XXXX, I spoke with a representative in the auto bill pay department to see why I was getting a letter asking me to complete the form I'd already filled out and to see if they had received my request and when it would be completed. He advised the form had been received and was in the process of being completed but could not guarantee it would be set for XXXX. I was also advised via chat that day that it can take up to two payment cycles for auto payment to be established. I don't understand how it can take so long to setup auto payments, and how it is now XX/XX/XXXX and I see that they mailed me a letter XX/XX/XXXX advising my request had been cancelled at my request since I never responded to the letters they sent AFTER I was advised to ignore them as my request had already been received.
There is absolutely no reason why it should take so long to establish automatic payments. Fifth Third is punishing their mortgage customers who do not bank with them and seems like they are actively trying to get those customers to fall behind in order to collect fees from them. Why would I bank with a company that isn't even located in my state of residence? Why is it so hard to get an accurate response to my request? And why must I send my banking information in an unsecured manner in order to have automatic payments set up on my mortgage account?
I thought all mortgage servicers used XXXX XXXX XXXX XXXX XXXX to service accounts. If that is the case, then automatic mortgage payments from ANY bank account are a standard feature within the XXXX XXXX servicing platform, with weekly, biweekly and semi monthly options becoming standard options around XXXX. What system are you using that is so far behind you are unable to set up payments for all of your customers?
|
| 03/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/XXXX, I was notified via letter that my property taxes for the second half of the year hadn't been paid. This was unusual because I pay an escrow fee to my mortgage company ( 5/3 bank ) and they pay my bill. I am never late paying them and they have never been late paying my taxes. I called and spoke with a woman named XXXX ( from XXXX county ) and she told me the story ... XXXX county billed the wrong person for my property taxes, that party paid, then realized there had been a mistake and taken back ( or had the money refunded ).
Since this date I have made numerous calls to my mortgage company with no resolution. I have also made a number of calls to XXXX County were I have received no help. I have been asking for XXXX County to resubmit to tax paperwork to the correct entity my bank. They refused to do so on a number of occasions. I have asked the county to call my mortgage company. They refuse to do that as well.
I have also made calls to 5/3 bank. I called on XX/XX/XXXX and spoke with XXXX, wrote a letter via snail mail on XX/XX/XXXX, called on XX/XX/XXXX and spoke with XXXX, wrote a letter on XX/XX/XXXX, and called on XX/XX/XXXX and spoke with XXXX, faxed a letter on XX/XX/XXXX, and called again today on XX/XX/XXXX and spoke with XXXX and this issue hasn't been resolved. Today I finally got a supervisor ( XXXX XXXX ), but she gave me an email address that did not work and has not returned by call. 5/3 claims they have never received any letters including original copies of letters from the county or my fax including a delinquent tax notice. But they do acknowledge that no second half of the year taxes were paid! The money is sitting there in my account making money for the bank.
This situation is so frustrating to me. In my eyes, a mistake was made by the county and they will not help me correct it. At this point there are several hundred dollars of late fees and interested tacked on top of my loan. If you could be of any help I would greatly appreciate it. If you can steer me toward someone who cares and would be willing to help I would also greatly appreciate it.
|
| 03/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
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I received a call from a collector on XX/XX/XXXX. His name was XXXX XXXX. He stated he was from XXXX XXXX XXXX XXXX and that I had an account w/Fifth Third Bank in which I owed XXXX. He told me that the debt was owed since XXXX. I immediately told him that I went bankrupt in XXXX and that they were in the bankruptcy and it was discharged in XXXX. He then told me that did not mean anything as the debt was discharged in the year of XXXX. I immediately told him to stop calling me. He then asked for my lawyers information and had a very nasty attitude. After that he sent me an email that had a settlement letter in it. I called my lawyer and they told me that Fifth Third was indeed in the bankruptcy, but he does not know why they would say I owed at the time XXXX as I did not owe but XXXX dollars under that bank at the time of bankruptcy. I called the debt collector back and he told me that I probably had two accounts and that they would be going after me a different way to pay off the debt. I told him that I did not have but one account and that was in bankruptcy, and I do not owe Fifth Third anymore because after my bankruptcy I never went back and opened anymore accounts because I have been with Third Federal Savings & Loan since the bankruptcy. I asked him why did he say that I owed the debt in XXXX, and then when I let him know I went bankruptcy in that year, he turned around and said no it was charged off in XXXX. He hung up on me. I am filing this complaint because I do not owe Fifth Third Bank and this company has been calling me since the bankruptcy and have been harrassing me even though Fifth third already was alerted that I had went bankrupt, they still sold the debt and now I have been harrassed. They should not have been calling me at all. And even though I keep telling them that I have went bankrupt they continue with the harrasing phone calls, much of them hanging up on me. When I move they try to find me and call my new number as well. Now they are trying to make it look like I had another account and that the bankruptcy is null and void and is trying to attack me civilly.
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I was trying to complete a refinance with XXXX XXXX XXXX started XX/XX/XXXX. They were inquiring about the forbearance started with 5/3 bank in XXXX of XXXX. 5/3 advised me that my forbearance would NOT count against me, because it was started under a covid disaster forbearance. When conducting a verification on a taped line XX/XX/XXXX with XXXX XXXX the representative stated that during my forbearance there were 4 ( 120 days ) missed payments. The 5/3 rep stated that improperly and then tried to back track her statement. The 3rd party verifying company put into my file that I was 120 days late off of the improper information of the 5/3 rep. This adversely caused XXXX XXXX to terminate my loan application. I was suppose to close this Wednesday XX/XX/XXXX The other issue is when you come out of forbearance they ( 5/3 ) advise you to make 3 trial payments as a temporary program until your loan mod is completed. Those payments are XXXX, XXXX, and XXXX which don't get reported I guess and then the loan XXXX is completed in XXXX. They move XXXX 's payment to the back of the loan just like you guys will when this loan closes which is why my 1st payment is XX/XX/XXXX. Which is in the letter I sent. The system will let me log in, but I can not access the trial packet anymore. I sent a screenshot of the website. When the third party rep talked about chargeback, 5/3 bank activated XXXX bill payer without my knowledge and overdrafted my account in XXXX not XXXX. I contacted them in the letter afterwards and stopped the autobill payer. The chargeback was for XXXX 's payment NOT XXXX. XXXX 's payment was made on the XXXX thus again there isn't a 120 day late period. The 120 days is the loan modification trial plan period that if you don't follow they won't modify your loan in the first place. Again these trial payments don't get reported. The rep from the private company again never asked any questions to clarify and just put whatever he wanted in the file. I received the verbal denial XX/XX/XXXX. The written denial I have not received yet. XXXX XXXX has the audio recording of he telephone calls.
|
| 04/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Fifth Third Bank debited my account an amount that was almost double what they were authorized to debit to pay for an insurance policy.
They asked me to provide proof of insurance coverage on XX/XX/XXXX and I submitted on XX/XX/XXXX that proof of coverage.
On XX/XX/XXXX I saw that the amount debited from my account was around {$950.00} whereas my monthly payment was around {$540.00}.
When I called in they said they had received the proof of coverage but that the loss payee was incorrectly listed as " XXXX XXXX XXXX XXXX ''. That is correct, the proof of coverage I provided had this clerical error on it. However, no one from the bank contacted me to inform me that the proof of coverage was defective. Instead, they purchased a new policy for me at a cost of {$3500.00} and began billing me for it.
I'm concerned about a few things in this situation.
First, I believe that Fifth Third may be in violation of the EFTA regulations regarding pre-authorized electronic funds transfers. Per 12 CFR 1005.10 ( d ), " When a preauthorized electronic fund transfer from the consumer 's account will vary in amount from the previous transfer under the same authorization or from the preauthorized amount, the designated payee or the financial institution shall send the consumer written notice of the amount and date of the transfer at least 10 days before the scheduled date of transfer. '' I never received any notice about the roughly {$400.00} increase in my monthly payment.
Secondly, the bank 's failure to notify me of the fact that they deemed my proof of coverage defective seems convenient. I haven't done legal research to determine what statute or regulation this runs afoul of, but this particular practice seems like a fraud. When I bought the policy from XXXX XXXX, I believe it is XXXX XXXX 's practice to notify the lienholder of the existence of the policy. I don't know yet whether XXXX XXXX did that. But, I provided Fifth Third with proof of coverage, like they asked for, and they did not seek to contact me or XXXX XXXX after determining the coverage had a clerical error on it. This is wrong.
|
| 06/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Initially, I brought a used car from the dealership and Fifth Third Bank offered me a loan. The first month I had full coverage insurance but the second month, I did not. New to the auto game, I received a huge bill for approximately {$2500.00} at the end of XXXX or start of XXXX. Upon calling the bank, the bank reimbursed me approximately {$2000.00} and {$500.00} dollars was still left off since I had no insurance for only 1 month. I paid that amount approximately 2 months later. Recently on XX/XX/2019, I received a bill from Fifth Third Bank that I had a payment due of {$450.00}. On XX/XX/2019, I called the bank that why when I paid the insurance bill already. They stated this is my regular installment payment. Please note, my monthly payments were always {$390.00} and NOT XXXX. The bank representative put me on hold and transferred me to their third-party insurance company without resolving the issue and having any specific reasons. The insurance company notified me that I need to submit proof that I had insurance for the missing month they have on file. I notified the representative that I DID NOT have insurance and I had paid the fee associated with that. Then the insurance representative stated, they will have to connect me to the bank again. Without any resolution, I am getting bounced around which is not helping the issue and further hurting my credit. I received no help and I am now left stranded. Conclusion : My payments increased without any notification or specification which is completely fraudulent. Please note, I have received no notification at all for this change and the change is unjustified by the bank. Further, the bank demands the money which has already been paid off. Furthermore, please see attached bank statements, there is a third party company named ( XXXX ) that automatically withdraws {$200.00} dollars twice every month to satisfy the monthly payment of Fifth Third Bank of {$390.00} in which extra {$12.00} is their service fee. Lastly, please see the notice by the bank dated XX/XX/2019, in which it shows the monthly payment increasing by almost {$50.00}.
|
| 01/18/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
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I received a 0 % APR offer for 15 months on balance transfers with a 4 % transfer fee from XXXX, I took this offer to the XXXX branch of Fifth-Third bank and ask if they could match it. I stated I would rather deal with a bank with local branches that I also have a credit card from. The banker put in the request and I received the same offer, with checks, in the mail a week later from Fifth-Third. I went to use this check to transfer a balance from XXXX, the check was accepted on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the balance was reaccredited to the XXXX account with a bad check fee assessed. I went to the XXXX Fifth-Third Bank branch to question why the Balance transfer was not applied, I was told those checks were for a credit card that was issued in XXXX and never activated with my mother listed as a co-signer on the account. I had removed my mother as a co-signer on my credit card in XXXX when an old credit card got hacked and I had to get the Fifth-Third card re-issued. I asked the banker and her manager from the XXXX XXXX, over the phone, why I was receiving the balance transfer offer at my apartment for an inactive credit card from XXXX and why the check was accepted initially at XXXX. This is a very shady practice, I had to then confirm the this account was indeed closed and had to complain until the Fifth-Third banker called XXXX to get the bad check fee removed. I then asked for the same balance transfer, that the old inactive credit card from XXXX received, and was told only the marketing department could extend those offers. I then had the Fifth-Third banker call the marketing department and was told they have no control over this and was given the run around with no apology besides " that is how the business is run ''. This was both insensitive and rude. The manger then told me I could only receive the balance transfer offer if I open a NEW credit card, but would have to close my older account which has a much longer, 9+ years, of established credit history. I told them this was unacceptable and was reporting this to the XXXX and Consumer Financial Protection Board.
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| 07/28/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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On X/XX/17 I submitted a request to close my checking account at Fifth Third Bank. On X/XX/17 I received an email back reminding me of the following : " A checking account is unable to remain closed if it is still being used. Recently closed accounts are reopened if a new debit is submitted against the account. Please refer to the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet : " Customer authorizes Bank to honor any items bearing Customer 's account number if Customer has disclosed that account number to the payee or any representative, affiliate, or party associated with the payee, whether or not the item is signed by the Customer. Customer further agrees that Bank may presume that the issuer of the item obtained authorization. For example, if Customer voluntarily gives information about their account ( such as the routing number and account number ) to a party who is seeking to sell Customer goods or services, and Customer does not physically deliver a check to the party, any debit to the account initiated by the party to whom you gave the information is deemed authorized. '' This means that if we receive information indicating that a debit is to occur from your account, we assume that you have authorized the transaction. You will need to contact the merchants who are debiting your account to revoke their authorization to debit from you. This will prevent any additional transactions from reopening your account. '' I 'm not a contract attorney but if I provide written notice to close an account, and they close the account, I am no longer bound by the " Rules and Regulations Applicable To All Fifth Third Accounts '', which means they should refuse any debits attempted on my account after it was closed. Fifth Third 's stance is of course for the " benefit '' of the customer and I 'm sure they would argue it 's a " courtesy '' to ensure payments are not refused, but the reality is that they are providing this " courtesy '' so they can charge overdraft fees to closed accounts. I 'm submitting this because it 's an abusive practice and needs to stop.
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| 10/23/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is in regards to 2 related issues from the same incident : My Fifth Third ( Secured Credit ) Account ( Ending in XXXX ) was closed due to non-payment of the monthly credit card fee. When I first started the account, I put up {$300.00} as a Security Deposit. The account was maxed out at XXXX before it was closed. The non-payment was the result of my recent income loss. Now that I'm working again, I made an attempt to set up a payment plan to pay off the amount owed in response to a XX/XX/2022 letter I received from the bank. I made the call on XX/XX/2022 : ( XXXX ) but noticed right before making the call that the letter claims I owed a balance of " {$390.00} which includes late charges and/or fees of {$40.00} '' however, this amount is incorrect as it doesn't account for the {$300.00} security deposit that was swallowed by Fifth Third when the account closed. That would mean the true amount owed would be closer to {$93.00}.
( XXXX ) The second issue was that I was unable to get in contact with the bank in order to pay off this debt. On XX/XX/2022 I attempted to call the number from the letter I received : ( XXXX ) XXXX XXXX whole hours before closing. I got in contact with the collections representative who would ask for my information and then hang up the phone while I was providing this information or right after. I called back 3-4 times reaching different agents and each time they'd hang up the phone before I could verify my account & the amount owed. The fact that this happened across several representatives and in the same manner indicated to me that this wasn't a personal/professional issue with the representative but some sort of policy to disconnect the call. The only reason I could assume it is to stave off the payback of the debt for as long as possible while additional interest fees and late charges can accrue. If so, this is highly unethical. I live in New York currently, and as such, I am unable to walk into a Fifth Third location in order to pay the debt off. I would mail in a check or money order but have not received any steps to do this from Fifth Third.
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| 06/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Fifth Third Bank has continually incorrectly applied an escrow to my account since XX/XX/XXXX. Despite multiple attempts to fix the problem they continue to process my payments as either late or missing.
In XXXX of XXXX an escrow was placed on my account for hazard insurance I already had on my home. The letter was sent in XXXX, however my current insurance was set to renew at the end of the year ( expiring XX/XX/XXXX ). Once I realized they were still not removing the escrow despite having insurance I called on XX/XX/XXXX, provided my insurance once again and was assured it was taken care of. Later in the month I was then notified my payment was never processed due to it being short due to the escrow for insurance I then called on XX/XX/XXXX and XX/XX/XXXX going through the same process and each time being told it was taken care of. I was then again notified the insurance was never processed and called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time being assured it will be taken care of, to then repeat the same problem the following month. On XXXX I was finally able to get hold of a manager who then did a phone call to obtain my insurance letter. Once again was assured it was taken care off. This issue remains to this day. I have tried several times to resolve this issue with the bank in regards to getting my account marked as up to date and having the negative remarks on my credit report removed. My most recent call to address the problem was on XX/XX/XXXX to once again attempt to resolve the same issue, once again being told it was taken care and still my account is noted as past due. Today, XXXX, I called the office of the president of the bank was told my account was marked as past due, and that they were unsure why and an agent would call me back. Obviously I am not hopeful that anything will change.
Throughout this entire process I have sent the accurate mortgage amount to the company on the XXXX for the following month. Despite this, they have not processed my payment accurately across the previous 6 months resulting in my credit score dropping over 100 points.
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| 12/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My new holiday tradition is an exasperated phone call to my homeowner 's insurance agent to figure out what 5/3 is up to this time. For multiple consecutive years, 5/3 has not paid my homeowners insurance ( out of escrow ) before the policy expires. I receive no notice of any discrepancy or issue from 5/3, only a cancellation notice from the insurance company. I own 2 homes and I have never had this problem with my other mortgage ( different bank, same insurance company ), so I know the problem is not with the insurance company. In the past, 5/3 has claimed that the Declarations document provided by the insurance company doesn't contain the policy coverage amounts and deductibles, although this ( standard ) Declarations has always been sufficient for my other mortgage provider. I have solved the problem in the past by paying for the policy out-of-pocket and resending the same Declarations document originally provided with a verbal assurance that the amounts are indeed right there on the page. 5/3 then pays the insurance company weeks past the due date, who then refunds the money to me. This year, my insurance company has again notified me of an overdue notice and imminent cancellation. I have again been forced to pay out-of-pocket. As of XX/XX/2018, I have not been able to reach a human operator at 5/3 ( my phone log shows a 22 minute call today -- all of it in computer menus or on hold ).
It is easier to file this complaint than to directly interact and correct a simple issue with 5/3.
In my case, 5/3 has sufficiently demonstrated irresponsible management of mortgage escrow accounts and a consistent unwillingness to perform fundamental tasks associated with them. A quick search of CFPB site yields numerous similar complaints, some with far more serious consequences to the homeowner. It is not unreasonable to wonder how pervasive this behaviour is within the organization. I sincerely want to be dissuaded from escalating this, but just in case, I have begun drafting concurrent complaints for the Ohio Dept. of Commerce and the federal Office of the Comptroller of Currency.
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| 02/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX ; I made complaint with the CFPB : After over 20 calls to Lender, I can not seem to get any attention from Fifth Third Bank. I have a XXXX owned loan on my home service by Fifth Third. I entered the Forbearance program at the beginning of the pandemic when it was offered. I was able to miss 6 payments but I made 3 of the 6. The Bank and I elected to add the missed interest ( it's an interest-only loan ) payments to the end of the loan ... .and normal payments were to re-start on XX/XX/XXXX. Fifth Third charged my for an payment in XXXX incorrectly as it was still part of the forbearance period. Their own correspondence agrees with this date. I've made all of my regular payments since XXXX. Not only does the Bank list an erroneous payment ( that was part of the forbearance period ) ... they have now reported it to the credit monitoring agencies and are harrassing my by mail and phone. I believe this to be FRAUD. If they would only spend a little time on this ; they would find out their mistake as it is clear in their correspondence. They are trying to collect 13 payments on this loan in XXXX.
The Loan officer assigned this loan never returned my have dozen calls in the last weeks. Yet, the Bank officers I was able to speak with agreed the Bank was in error. Fifth Third responded to the CFPB complaint but not to me : the customer. After making all of my payments on time since the end of my deferral period ; the Bank has returned two of those payments ( as their servicing system can not catch up with the solution to this issue ). I have only received one of those refunds and NEVER CASHED THE CHECK ... so the payment is still at Fifth Third. I will NOT cashed the second returned payment if/when I receive it. This mortgage is current and on-time. The Bank, WITHOUT my request or authorization, has processed a further Deferral on my Mortgage. I neither asked for that nor will I accept it. I believe Fifth Third remains in a Mortgage Fraud situation and they could resolved same but just communicating with the customer on any of the calls I make almost every day!!
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| 01/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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I purchased the house in 2005 for {$30000.00} on a 30 year loan. I have paid on this for over 20 years now. The mortgage has been sold a few times but when this bank purchased the loan, I asked them to send me paperwork showing my balance. They told me to keep paying from the coupon book I had. I asked them several times to send me something showing what I owe. Over the last 4 years they increased my payment. This year I asked them why. They said it was to cover the cost of insurance and property tax increase so I called the county and they said they are not raising taxes this year. I then called my insurance agent and he said he has not raised my insurance in the last 5 years. I am now receiving monthly bills for the house and it shows a balance of {$60000.00}. I have called several times to ask them why there is still so much due when it should be about paid off. They hang up on me or transfer me and I am on hold several minutes.
I have had XXXX eye XXXX 's this year and am now going to lose my job as a XXXX XXXX driver as I have lost the sight in my eye. My husband has been XXXX for the last 3 years and so has no income. Every time I call the bank to see what we can do they threaten me with foreclosure and my credit. I am in an XXXX mortgage.
I called HOPE and talked with a man named XXXX from XXXX. He called the bank and tried to get them to answer questions for me and he found that they did the same thing with him. First they hung up on us, then they put us on hold for XXXX minutes, they came back on the line to say they are transferring us, we were again on hold for XXXX minutes before the phone was disconnected. XXXX from XXXX suggested I fill out this complaint. I have a PIF receipt for an old balloon payment that I believe they may have added on to my balance. But again when I bring that up to them, they transfer me before they end the call without anyone talking to me. They are also charging me for not having a local bank in my area. I told them they should not charge me when they not having a local in my area is not my fault since they bought my mortgage.
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| 01/21/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My employer 's payroll company is XXXX - XXXX provided information on a bank and checking company XXXX by XXXX that included benefits with direct deposit. I opened an account with XXXX. I was told by XXXX representatives that cash deposits could be made via XXXX XXXX. On XX/XX/2021, I pulled my balance from my usual bank XXXX XXXX since I was now planning on banking with XXXX and attempted to deposit {$3200.00} cash to my XXXX account card - the store was unable to deposit the cash to my card but was able to deposit to my checking account which I later learned was through Fifth Third Bank. The cash was never deposited to my card nor has been deposited to my checking account.
I've contacted XXXX who informed me I needed to cancel the transaction as it should have gone to my card and not to my checking account. I cancelled the transaction with XXXX XXXX who confirmed the funds were delivered to the bank on XX/XX/2021.
XXXX XXXX can not reimburse me my money until Fifth Third Bank responds and refunds the money. I've been following up with XXXX XXXX daily and Fifth Third Bank has not responded to requests to reimbursement. I contacted XXXX and have been communicating with XXXX XXXX - XXXX XXXX XXXX XXXX XXXX but she has not been able to provide me with a contact number for XXXX XXXX to call and verify nor has she been able to provide any other information other than she's asked her accounting department to contact XXXX XXXX. I called and emailed again today and no response at all. XXXX 's number is ( XXXX ) XXXX - email address : XXXX.
I sent XXXX with XXXX and XXXX proof of the XX/XX/2021 {$3200.00} XXXX XXXX deposit to my account - again that deposit was made and sent to Fifth Third Bank on XX/XX/2021 and it has not posted to my card nor has the cash been deposited to my checking account nor has it been reimbursed to XXXX XXXX. I've explained to XXXX multiple times I need the money to post to my account or be reimbursed as I need to make my mortgage and household expenses - it's been 2 weeks since the deposit and I have no idea where my {$3200.00} cash is.
|
| 08/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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|
Web |
Older American |
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On or about XX/XX/XXXX, I received a notice from Fifth Third Bank that my checking account had gone into overdraft and that funds had been taken from my line of credit to cover the overdraft.
This did not make sense so I looked at my account online to see that Fifth Third had processed check # XXXX that I had written in XXXX, XXXX for {$140.00} and had cashed it for {$15000.00}. A copy of the check is attached. I immediately went to the bank and meet with XXXX XXXX, my personnel banker.
XXXX XXXX told me that the check had been probably stolen from the USPS and altered and that Fifth Third had cashed it for the forged amount of {$15000.00}. XXXX XXXX had me sign numerous documents and told me that my money would be returned to my checking account. He told me it would probably be returned sooner but no longer than 180 days. I told him this was ridiculous as Fifth Third had cashed a check that was obviously fake and that this was not acceptable customer service.
I continuously followed up with XXXX XXXX until early XXXX. He kept giving me the run-around and telling my money would be returned soon as I am a Preferred Customer. I told him that if this is the kind of service a preferred customer receives, I can not imagine the kind of serve a regular or poor customer living on social security would receive. As a XXXX person, I believe that Fifth Third is engaged in elder abuse.
I asked to speak to someone higher up in the bank but XXXX XXXX told me that his boss or the people working on my problem. He indicated that they were not customer facing employees. Then on XX/XX/XXXX, XXXX XXXX told me that he had talk to the XXXX Collection department, the compliance officer, and his boss. He said we need to start over again and that I need to sign a new packet and start the 180 day process again!
Again, he indicated that I could not speak to his boss or to anyone with more authority at Fifth Third.
After numerous unsatisfactory calls and meetings with XXXX XXXX I went to the XXXX XXXX, Ohio Police Division on XX/XX/XXXX and completed a police report that is attached.
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| 01/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I bought a home in XXXX, 2017 and my mortgage with XXXX was bought by Fifth Third Bank Mortgage in Ohio. I have made every payment prior to the due date. I was informed of the transfer of mortgage by way of a bill and called Fifth Third who told me that a Welcome later would come in a few weeks ( not sure why a bill comes before a welcome letter ) and was assured that there would be no issue that I made my payment to the previous mortgage company because federal law gave me 30 days protection.
I have been proactive and contacted Fifth Third every month and spoke with managers with no avail. I send a letter pleading with the CEO asking for help. I have provided documents, bank statements, copies of checks. My own bank, XXXX XXXX XXXX XXXX has faxed copies of documents verifying. I have followed through and been told they did not receive items. I was told that they called XXXX XXXX and XXXX XXXX has sent everything period. When asked if they have requested a payment history they have not. The payment history clearly shows all payments. I have spoken to more people then I can count and am frustrated beyond belief. Yet bills still come saying I am behind on payments as well as phone calls. I have had to tell my story over and over again.
I can not fix something for a company I do not work for. They have gone so far as to have their collection department harass me by contacting me via phone ad nauseum while I am trying to work. Please I beg you for assistance to get this matter resolved. I am at a loss of how to fix incompetence for a transfer of a mortgage in which I work for none of the companies but have provided documentation to verify payments made when I had nothing to do with this since it is clearly a servicing transfer issue. But Fifth Third has been very clear that this is in fact MY problem not theirs even though I have sent multiple emails and faxes of documents stating all payments received. To say it is frustrating does not begin to express what I have dealt with. Mistakes happen but the harassment and inability in 4 months to fix this is inexcusable.
|
| 05/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
I was victom to fraud/scam on XX/XX/23. I thought I was purchasing items off of XXXX from a friend, however the friends account had been hacked so it was not them selling but a scammer. When I learned it was a scam ( within an hour of the transaction ) which was initiated through XXXX ( which is connected to my fifth third checking account i tried to cancel via XXXX but that showed a completed status and XXXX stated I needed to contact my bank. I contacted my bank as the transaction had not shown up. I informed them of what had happened and I wanted to get ahead of the situation before anything could be processed. They stated they could not do anything and I needed to wait until it showed up on the account and to call back the next day. I called the next day ( XX/XX/23 ) as it showed a pending status. I asked if I could do a stop payment and I was told stop payments didn't always go through and the best thing I should do would be to call back after the payment processed and file a dispute. I again informed them of every detail that had happened and wanted to know the best option/route to take for a fraudulent claim. They again told me to call back after the payment had processed and I could file then.
I called again on XX/XX/23 after the payment had processed as i was instructed to do and tried to file a a fraud claim and was told I could not file a dispute because I initated the transaction and I needed to contact the merchant ( scammer ) to get my funds back. Fifth Third said there was nothing they could do, to which I don't understand why I was told to call back and file after payment had processed or to even try to contact the person who had hacked an account and, made a fraudulent claim to try to get my money back? I thought the banks were supposed to help in cases of fraud.
I had even went and reported the case on the ReportFraud.ftc.gov website and gave the Report Number to the individual at Fifth Third. Hopefully with the paypal account that was provided they may be able to track down the individual and put a stop from this happening to someone else.
|
| 07/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
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I have a complaint about Fifth Third Bank Credit Card Here is the story, around XX/XX/XXXX, I was going over some papers before discarding them and in the process I found an unopened envelop from Fifth Third Bank with a refund check in the amount of {$72.00} ( XXXX XXXX dollars XXXX cents ) dated XX/XX/XXXX, for a credit I had on my credit card. I immediately called customer service to inquire about what to do, since it was almost 5 years later. After transferring me to several Customer Service representatives, I was told that since the check was not cashed but was too old, they would re-issue a new check and mail it within in the next couple of weeks.
Almost a month passed when I received a call from Fifth Third Bank from a representative named XXXX ( Ph XXXX ), XXXX XXXX told me I was on a recorded line and I asked her if she was calling about the check that the bank said would be re-issued and she went on to say that the check was cashed and they would be sending me information to that effect. I asked her if they had a copy of the check signed or deposited by me and she said yes. I told her I still have the check in my possession together with the attached letter. She told me information would be sent to me by maiI in that regard.
A couple of weeks later, I received a big yellow envelope with copies of credit card statements with no further explanation, nor a copy of the cashed or deposited check in question. They sent parts of statement for XXXX and XXXX indicating a {$130.00} payment and a {$72.00} Credit.
A XX/XX/XXXX to XX/XX/XXXX statement, indicating a {$72.00} Refund bringing the balance to {$0.00}. That statement went from XX/XX/XXXX to XX/XX/XXXX. The check I received is dated XX/XX/XXXX.
Another statement from XX/XX/XXXX to XX/XX/XXXX showing a balance of {$100.00} for a XXXX charge. And the previous statement took the {$72.00} credit because they had issued the refund check on XX/XX/XXXX, but the check was never cashed since I still have it with me.
Could You please help me to correct this matter?
Sincerely ; Fifth Third Bank Customer
|
| 05/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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We moved to Florida 3 years ago. Weve banked with a local bank, XXXX for over 10 years. They are in XXXX and have no branches in Florida. In XXXX I opened an account with fifth third hoping to transfer my banking to them. I have written multiple checks from the XXXX account into the fifth third account, one for {$4000.00} and one for {$5000.00}. Neither of those were held and the funds were available the next day. Over this past weekend I deposited a check for {$4000.00} as Ive done in the past and wrote a check for our rent on Monday for {$3200.00}. I noticed on Tuesday that the funds from the deposit were not available. I contacted fifth third and they told me they were on hold until XX/XX/XXXX! 10 days! They didnt notify me in any way. I called my local branch and spoke with XXXX. She said she would contact them and for me to send her copies of the canceled checks from the previous deposits. Not only did I send her those but I also sent her a snapshot of my XXXX bank statement showing that the {$4000.00} check from the weekend had already cleared my XXXX account. I also chatted with fifth third who arrogantly told me that the funds would be available XX/XX/XXXX and theres nothing that I could do. In addition, XXXX told me the same thing. They put the {$4000.00} deposit on hold with NO notification. They had not notified me, they had not alerted me in my online app, they had not emailed me, nothing. No communication at all that they were holding my {$4000.00} deposit from my personal account in XXXX to them for 10 days! They just put the funds on hold. So on Tuesday I sold stock in my investment account, took a capital game, and wired the money into the fifth third account. Subsequently they charge me a {$15.00} wire fee and bounced the {$3200.00} check! This was done on purpose as I have a 24 hour negative balance correction policy. These are the most arrogant people Ive ever dealt with. They were zero help in my funds as of tonight are still on hold. I left a message for a manager at fifth third today who didnt even give me the courtesy of a returned call.
|
| 10/14/2016 |
Yes |
- Bank account or service
- Checking account
|
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Web |
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I had charges on my account that were from fraudulent companies and I was trying to stop them from occurring. I called Fifth Third bank to freeze my account, and they would n't so I had to pay for XXXX stopped payments. The payments did not get prevented and it was a waste of {$130.00}. I wanted to close my account, but they told me it would take 48 hours and within that time, if a transaction came through, they would open it again to let it go through.
I then had to open XXXX investigation cases on the payments that I tried to get them to stop- because of this I had to open up a new account to move my money. They linked my current bank card to the new account and were mailing new checks that took over two weeks, and because I had no access to the full account number online and no checks, I could n't switch all of my payments over to the new account. I had to continue to use the old account in order to get my personal business done. One night after work, I made an ATM deposit using the only card I had, which was tied to the new account and because the deposit did n't go into the old account per say- and I could n't transfer funds until the next day, they charged me almost {$300.00} in overdraft fees on my old account.
I tried to go in a bank branch and reason with them, the manager of the branch told me he had no power to reverse anything. They also had in the past, charged me fees for their own fees!! Such as the stopped payment fees- they charged me overdraft fees on my old account for the stopped payment fees they charged me. Everything is charged to me by this bank over and over again- they find any reason to take money from the customer- they are serious crooks.
I ended up closing my accounts with them and I still have one account that was the original account I tried to close and now it 's negative {$1500.00} from all the overdraft fees they charged me, since I was not paying them for almost {$300.00} in overdrafts a couple of weeks ago- they would n't reason with me at all. I hate this bank and I do n't want to pay them a dime more.
Please help.
|
| 05/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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FIFTH THIRD BANK, you recently received my Notice of Rebuttal on XX/XX/2021.
This is in response to your deceptive letter from a member of your employed staff Named XXXX XXXX who did not receive my permission to contact me nor view my personal, private and confidential information. Making false claims about " debt elimination schemes '' in an attempt to misrepresent my enforcement of my Federal rights as a Federally protected consumer is known as Material misrepresentation ( FRAUD ).
As stated in my notice you were previously contacted on XX/XX/XXXX when I demanded an opt out of consumer credit reporting as is my right pursuant to 15 USC 6802 & 6803. You have defaulted on demand and have proven that you are willfully noncompliant with Federal Law protecting consumers, these matters are being well documented and all defaulted notices will become prima facie evidence if further legal action is deemed necessary. I do NOT owe you ANY alleged debts, and I have not borrowed any capital from you which means I do NOT owe you any alleged debts. Further more your claims are unsupported by Affidavits, or any documentary evidence of indebtedness as required pursuant to 15 USC 1666 making all of your claims hearsay. This further supports the facts as I have documented them, expressly the fact that I do NOT owe you any alleged debts as you claim. BE ADVISED, FIFTH THIRD BANK, you have 15 days to comply with my demands listed in the correspondence you received and the correspondence attached to this complaint as you are already in default of the previous notice. There is more than enough evidence to prove your attempts to willful mislead and deceive me through means of material misrepresentation of vital facts that have been purposely omitted by you the financial institution involved in this consumer credit sale/transaction. BE ADVISED, FIFTH THIRD BANK, you have committed several violations of Federal Law which have been well documented and will be used as documentary evidence and prima facie evidence should I be required to pursue legal action in these matters.
|
| 05/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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At the end of XX/XX/2022, I opened an account with XXXX Bank and deposited a {$2500.00} check I had received from the United States Department of Education as a refund on a defaulted student loan, on account of the closing of XXXX XXXX The check was accepted but after XXXX week and before I could even receive my bank card, the account was frozen and my money denied to me on the grounds of supposed fraud. When I called to dispute the freezing of my account, I was asked by a member of the customer service team who were clearly not from the US over and over again as to " the name of the person who sent me the check. '' After explaining each time that it came from the United States Department of Education, they still refused to acknowledge my information.
I later attempted to seek assistance from the banker who assisted me with opening the account and they told her that the issue was with my address on the account not matching the check. They later withdrew the money from my account and closed the account. I then called their support again and they claimed that the amount on the check was suspicious and thus why the account was close. But due to the account not having any money in it, then they could not give me any money back.
I proceeded to seek further support from outside help and was advised to try their support line again and was told to provide information as proof of evidence that I was who I said I was. I called back the collections company who held my defaulted account, and they provided me with a copy of their letter indicating that I would be receiving a refund from the United States Department of Education on my student loan. This packet included my old address as well as my new address, and information that I was to receive the refund. XXXX rejected the evidence claiming that it did not show that I was entitled to the money. They are insisting that I provide account information from the United States Department of Education 's accounts in written form as the only proof of entitlement they will accept. That information I can not receive.
|
| 06/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
XXXX Redeemed XXXX XXXX XXXX XXXX points for {$25.00} to be applied to mortgage held with Fifth Third Bank. Told to allow up to 14 days for redemption to post.
XXXX 18 days ( 4 days past deadline ) and redemption is still in " In-Progress '' status.
XXXX Filled out " contact me '' form. Asking to find out why redemption has not posted.
Told to expect a response within 48 hrs.
XXXX Still no response so I filled out another " contact me '' form XXXX I missed the call from XXXX. I called back and left a message to call me back.
XXXX Representative called. She said they had tried to call back on XXXX numerous times - however that number was no longer in service ( land line # that I had discontinued over 3 yrs. ago ). I don't understand why the old land line phone number was the one on file. Everytime I would redeem points I was required to put in my phone number - which was my current cell number.
I asked why they didn't send me an email telling me they needed an updated number. Again - every redemption requires an email verification. Rep agreed that they should have attempted sending an email.
Rep. told me a priority email would be sent to the Mortgage dept asking for an explanation. That a response should be forthcoming within 48 hrs.
XXXX 48 hours have gone by - no response - no phone call.
XXXX I called XXXX XXXX XXXX about lack of response. Rep. stated that they indeed had had no response. They would send a flagged email to 5/3 Mortgage Dept and that they should have a response within 48 hrs.
XXXX Call from XXXX XXXX XXXX XXXX rep. ( over 5 days past due ). That the Mortgage Dept. had posted the {$25.00} toward my mortgage. I questioned this as the status is still " In-Progress ''. I stated that I believe this posting was for a new redemption I applied for on XXXX. I was assured that this was not the case.
XXXX Checked status of redemptions. The redemption from XXXX is still " In-Progress ''.
The redemption from XXXX is " Completed ''.
So XXXX still has not applied my redemption request from XXXX - now over 3 weeks past due.
|
| 11/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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On XX/XX/2022 I received two letters related to a transfer of mortgage servicing on the mortgage for my house : - Letter 1 is from my former servicer, XXXX XXXX XXXX XXXX, dated XX/XX/2022 stating that my automatic payment for XX/XX/2022 was canceled. The letter did not specify the reason, rather it mentioned a number of reasons it could be, of which " your loan has been transferred to another servicer '' was applicable to me. I received no other letters from XXXX and I am currently unable to log into the online portal to check the validity of the change or even its reason.
- Letter 2 is from my now current servicer, Fifth Third Bank, dated XX/XX/2022 stating that the servicing of my loan had been transferred from XXXX to Fifth Third effective XX/XX/2022. The letter also states to mail a check for all payments due on or after XX/XX/2022 to Fifth Third 's mortgage servicing department. Due to the time of day, I am unable to make a payment over the phone and their records don't recognize my loan number or SSN yet, this could take up to two weeks.
I have contacted both companies, while XXXX says their hours are until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was only able to get stuck in an automated response loop and Fifth Third call center is closed for the day.
I don't know the requirements, but I'm sure there are consumer disclosure requirements both of these institutions must follow - mortgage servicing transfer isn't exactly a unique event, they should know better. In no way is one day sufficient as I received both letters exactly one day before they were effective, regardless how they are dated. They should be required to ensure they meet any deadlines via certified mail should they have concerns about timing. They are well aware of the transaction, they had time to disclose earlier, however they chose or failed to do so. Now I am late on a payment that is due today ( XXXX XXXX as of the writing of this complaint, with no means to send payment today ) at absolutely no fault of my own without sufficient warning to fix ahead of time.
|
| 08/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
On Saturday, XX/XX/2021, my Master Card with Fifth Third Bank was fraudulently charged for {$340.00} for an automobile insurance policy with XXXX XXXX XXXX by a third party without my knowledge or permission. This charge posted to my account on XX/XX/2021. I had provided my credit card information over the phone to this third party merchant for a {$20.00} charge for a totally different product from them. Instead of using the credit card for the permitted {$20.00} charge from them, apparently the third party fraudulently used my credit card information to purchase the {$340.00} insurance policy from The XXXX XXXX XXXX. At no time did I ever have any intention of buying anything from XXXX XXXX, nor did I ever have a conversation with anyone at XXXX.
The fist I knew about this situation was when I received my monthly statement in XXXX, XXXX showing this fraudulent charge. I immediately disputed the charge. Since then, I have talked to numerous people at Fifth Third, wrote numerous letters and e-mails, and have been given the runaround and taken completely in circles. They continually kept asking for receipts and documentation. I told them repeatedly there are NO receipts or documents, as I NEVER agreed to this purchase at all, hence NO receipt!
Fifth Third arbitrarily, with NO input from me, or notice, told me they would not grant my dispute and the only way I could re-open it would be to submit receipts, which NEVER existed! I have had a branch manager named XXXX at Fifth Third in XXXX, NC ( her phone number is XXXX ) try to intervene and help me. She has become just as frustrated as I have. She tells me the people in the Fraud and Disputes Departments are giving her the runaround and won't even tell her why they decided the dispute against me! I really need some outside help with this as now I have been charged {$340.00} fraudulently for a product I never wanted nor agreed to buy. Thank you.
NOTE : The original card this was charged to ended in XXXX. This account was updated to the current account ending in XXXX due to identity theft.
|
| 11/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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In the late spring of 2016, about a month before getting ready to celebrate paying off my car loan, after six years ( last payment was to be made in XXXX of XXXX ) I received a letter from the bank telling me that I owed an additional {$600.00}, a total of a little over $ 900.I was in shock. I wanted to know how this could possibly be. I found out that it was some kind of compounded principal that I owed from putting the loan on hardship deferral a few times which was completely allowed. However, I was never told to expect this and they demanded the money in a month from XXXX or it would go on my credit report. I had just coincidentally got laid off from my eight and a half year job. I fought and fought this to no avail. They would not reduce it either. I told them that if they did not do something and it ended up on my credit report, I would never pay it. They marred my report and as promised, I did not pay it. I could not believe however, that this bank was still holding my title, stubbornly all these years. Finally, I had to get rid of my car which unfortunately broke down. I wasn't sure what I was going to do but in the interim, I was in touch with the Department of Financial Services. I spoke with them at length about this case and they investigated over at least a year. An expert there told me that the bank could not sell this to a collection agency or " write off '' the debt or they would have to give me the title. Of course the bank knew this. As said, I had no choice, in XXXX to get rid of the car as unfortunately, the transmission went. In order to junk this car I needed the title. I settled with them for {$150.00}. I guess that might be considered okay after three years but when I recently looked at one of my credit reports ( I believe XXXX XXXX ) it clearly states that the debt was charged off and " written off. '' It clearly states this and I am pretty sure that it was on there before I settled. So, they did write it off? If that is the case, then they were supposed to release my title and I never should have paid them a dime.
|
| 05/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
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on XX/XX/XXXX i noticed that i had a pending transaction from XXXX. I didnt order anything so i called XXXX and asked if anything was purchased for {$190.00} with my card. They said only one purchase was made for the amount of XXXX with the last four digits of my card number and it was from a visa, not a XXXX. I called XXXX bank to dispute the charges. I had also noticed an charge from something called XXXX for XXXX dollars. when i talked to the agent i told them about both. i was more concerned with the XXXX dollars. they told me that it looked like a monthly charge on the XXXX thing. I told them i didnt know where that came from. they submitted the claim. I called a week later to see what was going on because i never received any information. I was told that they noticed those charges for XXXXe go back to XXXX of XXXX and they were only going to credit my account for the first 90 days. I said that was crazy and i asked about the XXXX transaction. they told me it had just posted and that they were working on it. I said okay and hung up. A week later i called back because i noticed that i was given a provisional credit of XXXX and then it was rescinded the exact same day. Once again i didn't get an email, letter or call saying anything was resolved with my dispute. So after being on hold for an hour, hung up on, hold for another hour i talked to an agent that told me that said my XXXX claim was outside of the 90 days. I said it was XXXX different issues. i was told i should have caught the first fraud sooner so the next one didnt happen. How is this a solution? That same agent was completely rude and got mad at me for asking for a supervisor. and told me if i resubmitted the dispute nothing different would happen. Ive never had anything like this happen to me with any other bank. i literally told them that XXXX didnt have anything from me and they telling me i took too long to catch the fraud. i caught the XXXX fraud before it officially posted to my account. how am i on the hook for that? why wasn't i notified at any step in the process?
|
| 12/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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I had an issue with this bank in the past when first being told I owed this surprise debt in the summer of 2016. We could not come to an agreement, I refused to pay the surprise debt if they did not reduce it and unless they retrained in marring my credit report. They refused so I did not pay it. Years passed. unfortunately my car broke down. The transmission went. I had no intention of selling my car or getting rid of it. It had XXXX miles on it. A real shame. I could have given it away to a family member who was in dire need of a car and that is what I had originally intended on doing. This bank would not release this title even after three and a half years! They had eventually charged off the debt but still would not release it. Unfortunately for me I could not even dump my car ( sell it for cash to a junk yard ) without a title. No one would deal with me. So i had to settle with them and give them {$150.00} and wait weeks for my title. Terrible. In the meantime I even got a ticket for inspection! The car was on the street. Could not drive. The transmission went. Finally I got rid of the car for a paltry {$200.00} after spending a thousand dollars in repairs only months before the transmission went. On top of this I found out that the bank had actually written off the debt. It is on my credit report! Not charged off. WRITTEN OFF. It states it clearly on my XXXX Credit report, currently. I was told years ago by the DFS of NYS that they could not do this without releasing the title. How did they get away with this? All this bank does is send numerous copies of past invoices showing payments in triplicate! I dont ' know why did they keep doing this. Its a waste of paper. What are they trying to prove? They are talking about the past and the original debt that I owed. Why? that is not what this is about. This is a matter of them taking my money to settle. They took my {$150.00} and still wrote this off? I am going to also report this to the DFS as well. They were not supposed to write off the debt before or after taking my money!!
|
| 04/30/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have had a complaint twice on Fifth Third Bank Corp who handled my refinance after Covid.They are again performing illegal bank practices and it needs to stop. I was informed by letter that as of XX/XX/XXXX that they placed a force flood insurance policy on my mortgage # XXXX when I have active coverage and they have verified it. Their rep from the insurance company, a subsidiary of Fifth Third told me she sees my active policy and did not know why this transaction was performed on my mortgage. She had no access to my mortgage so she called the flood insurance department and got no answers, so she started an investigation. I have had two years of private flood coverage and sent proof and it is showing active and they had no right to place this policy in the amount of {$1100.00} in escrow. My payment will be raised for a policy not needed. My current policy is on record at fifth third as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and agin in XX/XX/XXXX. That's how many times I sent it before they recorded it. This issue about drove me crazy in XXXX when my loan was in medigation and refinancing was finalized through Covid Refinanacing. I have a government loan and they had to contact Fifth Third to get it done. Your agency helped as well. It looks like Fifth Third has a SCAM going on mortgage holders with this FAKE INSURANCE and it needs to stop. Please help me and if I can file anything else somewhere else on their harrassing mortgage holders, let me know. I am so tired of being mistreated, Threatened and TALKED DOWN TO. I AM A XXXX CITIZEN and it is not right to be treated, threatened, and harrassed by incompetent bank employees. I worked all my life and retired from the state government and this is wrong. Please help me. PS I finally received a letter from Fifth Third informing me that they do not have the authority or obligation to open an escrow account on my mortgage. They said they could anytime and I protested about a year ago and finally they agreed that they had not right to do that. Now, they have done it again, ILLEGALLY!!!
|
| 07/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
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I XXXX XXXX created an account online for a new checking account with Fifth Third Bank in XXXX Fl. I was told the day before I went to the branch to bring two picture IDs nothing was mentioned to about a social security card. I went to the location XXXX XXXX XXXX XXXX Fl XXXX. Phone number is XXXX. The worker that was assisting me was being rude about me mentioning the 3 ID check. I was simply telling her they said two picture ID. She said she had to call the fraud department so they could take the hold off my account and it was taking a while so I told her Id go sit in the lobby. After a while of hearing the manager call a customer about verifying their account with fraud department I decided to walk up to her to ask questions. She was so rude to me I had to ask her nicely to be quiet for a second. Because she wouldnt even let me finish what I was trying to say about the IDs and the waiting time. She brushed me off and told me to have a good day. As Im walking back to sit down I tell her that they dont deserve to be working here with the attitude they both had. She then threatens to kick me out with the police. I told her to call them and she came over to me standing up talking and I covered my ears and said Im not listening to you she asked me to get out and this was done in front of another customer. I told her I was sitting waiting for my account to be verified and Id leave she said no were not opening your account today. So so said ok no problem. I cursed her out on my way out the door she continued arguing with me a potential banker and a new customer at that. I was very angry because I had paid for a XXXX ride here and this location is not close to my home. I feel very discriminated against and am also seeking legal action. I will tell everyone I know not to bank here and she needs to be retrained on how to treat and speak to customers. I never raised my voice until she asked me to leave. Please do something about this behavior its not necessary to treat someone like that and I dont want to bank with them ever in my life.
|
| 09/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX, I applied for and received my current mortgage. It has been sold several times. The most recent sale was to FirstThird Bank this past spring. Since 53 took over servicing of my mortgage, I have had a rash of problems.
1. Most concerning is that 53 can not seem to explain clearly where my money is going or handle my requests for advance payment with any dependability. Heres why that is important. I had made 3 advance payments with MB Financial when the transfer occurred. I can not determine how or when those payments were applied. I have been unable to get a written accounting from 53 that explains clearly where those payments have gone. My top concerns is detailed in the attached statement and dated XX/XX/XXXX. Calls to the bank did have them release a different statement, also attached. This one does include due dates, but not balances.
2. Additionally, 5/3 Bank requested a payment of XXXX to account for an escrow shortage ( Statement Date XX/XX/XXXX - statement attached ). I made the payment online in the amount of XXXX on XX/XX/XXXX - which does not appear to be applied to escrow seems to be applied to principal and it is impossible to tell what is happening in the escrow account.
3. One last concern in that the XX/XX/XXXX account the indicate the past payment went entirely to interest and escrow. Nothing to principal. A second XXXX statement was sent on XX/XX/XXXX, its unclear why, and again, not clear what they have done. Please note that I called and asked for an audit between the two statements, but did not ask them to do anything. I was denied my request for an audit.
Overall these statements are so convoluted I have spent hours trying to understand them. Unable to do so I elicited help from a friend very well versed in financial matters who also can not make sense of them. Calls to representatives and supervisors at Fifth Third Bank have not helped. If nothing else I hope to draw attention to the incomprehensible information available to me through their website and hope this can be addressed.
|
| 05/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I went to XXXX XXXX with the intent to change the oil on my current car. I ended up speaking to a used car salesman and got swindled into purchasing the car in 2013. I was lied to about the fact that there was only XXXX owner, I was able to find this out through an old car title that was left in the vehicle and found out there were actually XXXX owners. I also asked several times about the price of the car and they would n't tell me. I really feel that the car salesman knew this and took advantage of me because of this. They would not show me any paperwork until it was time to sign everything. I know I was naive but I was also taken advantage of. The car price was ( which I later found out ) was way above the price it should have been, almost {$6000.00} and I was n't aware of all the fees until AFTER I signed the paperwork. This is unfair to the consumer, and this situation has made my first car buying experience a disaster. On top of that the brakes needed to be replaced and I was n't told anything about this, until I heard and FELT the brakes slipping. I brought the vehicle back to the shop, and they did repair the brakes. Although, I do have kids and the brakes were in such bad condition that I could have gotten into a car accident. I want other consumers to know this, because now I am left with an enormous car loan for a car that is n't even worth half of the loan that is remaining. I know I was naive, but I do feel that they lied to me and also took advantage of me knowing that this was the first time I bought a car. I feel that I should have been told the price up front, and also given the option to negotiate it. I also was lied to about how many owners the vehicle had. I feel that I was pressured and coerced into purchasing this vehicle. I wish I knew I could have put in a complaint a long time ago, but I just found out that this was even possible. I hope that something can be done, but at the very least I hope others can be educated on this topic by making this complaint, and to not buy a vehicle from XXXX XXXX.
|
| 05/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
When I first discovered the fraudulent charges I immediately contact XXXX XXXX as required. I completed the required dispute form and emailed it on XX/XX/XXXX ; 1 day after I received the form. When I called to report the fraud I was told by your agent that the money would be returned and not to worry. I was also told that the two XXXX and XXXX charges were pending and would be reversed. I have yet to have this money credited and now that also is in dispute. Please listen to the call if you need to verify this information was told to me. As I told the representative I do not drink coffee or tea and very rarely visit XXXX ( see account history ) I also do not have a XXXX account that can also be verified via my account history as well. The XXXX account is clearly not in my name/address and I am requesting the name and account number and all information you have on this account. I am not familiar with your internal policies or procedures but this issue has caused a tremendous financial burden on my family. I relied on your representatives to provide true complete and accurate information. Why couldnt this charge be reversed in a timely fashion as I was told?
The other charges should have a video proof that I did not make the withdrawals and/or additional purchases. I am not familiar with most of these places but I do not use the ATM when there is a fess to get This information was requested on XX/XX/XXXX and to date have not been received.
I called on XX/XX/XXXX and talked to another representative who told me to follow the instructions in the letter to have the disputes reevaluated. However, the letter does not state this is the procedure? How can we as consumers navigate the system when your representatives are giving different instructions than your written correspondences?
Also, the Federal Trade Commission states that under the federal Electronic Fund Transfer Act that I would not be liable if I notified you within two business days after you realize the card is missing. I did notified you in less than 2 days.
|
| 12/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
We paid off our loan on XX/XX/XXXX. Our final payment was over in the amount of {$2900.00}.
We were told funds would be released after ten days.
On XX/XX/XXXX, we had not received the refund of funds so called to check on refund. We learned they had been sent to our physical address where we do not receive postal service mail. We were told a new check would be issued and sent to our P.O. Box.
We called on XX/XX/XXXX to check on status of check, as it had not yet been received. We were told ( by customer service rep XXXX ) that a check had been mailed to our P.O. Box on XX/XX/XXXX, and we should continue to wait to receive it.
We called back on XX/XX/XXXX to check status, and were told by supervisor XXXX that a check had been mailed on XX/XX/XXXX to our physical address, and they saw no evidence of any other checks having been sent. XXXX issued a case number, and said a new check would be overnighted for receipt by XX/XX/XXXX.
On XX/XX/XXXX when check was not received, we called and spoke with manager XXXX who said that a check had been sent, but in no way expedited, and we should wait 7-10 business days to receive that check.
The banks phone system called us back about 30 minutes later, so we ended up speaking with customer service rep XXXX, who told us a check had been mailed to our P.O. Box on XX/XX/XXXX. When we asked her about the XX/XX/XXXX check she transferred us to supervisor XXXX. XXXX iterated that a check had been sent on XX/XX/XXXX, was not able to be expedited, so we should wait 7-10 business days for that check to arrive.
At every turn, received different and conflicting information from each representative at 5/3 Bank, and were repeatedly asked to just keep waiting to receive the refund of our money. At no point were they willing or able to provide a more constructive or traceable solution to these many checks supposedly sent, but never received by us. In the mean time they have been in possession of nearly {$3000.00} of our money for a month, they the holidays and the turn of a new fiscal year.
|
| 12/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX, we closed our current primary mortgage with XXXX XXXX ( XXXX ) in XXXX, Ohio. In XX/XX/XXXX, we were notified that our mortgage had been sold to Fifth Third Bank ( FTB ). We called XXXX and were given our FTB account number for interim use as well as told we would soon be receiving a welcome letter from FTB. In XXXX, We set up auto payments to the FTB account number we were given. These were made as arranged. Though we never received any welcome letter from FTB ( and we have requested it multiple times since ), in XXXX we received notice from FTB that our mortgage was in default and threatening foreclosure. After two full days of discussions with FTB, we determined that the FTB account number we were given was incorrect and with no initial documentation from FTB, we had no way of knowing this. Our payments were credited to someone elses FTB account, but those payments otherwise complied with all other requirements of our account in terms of amount and due date. FTB representatives ultimately transferred our past payments to our account but demanded almost {$900.00} in additional escrow payments. Apparently an escrow analysis was conducted before we received the first and only communication from FTB ( the default notice ) and this analysis assumed we had made no payments. Initially, we were told that if we paid one month of the escrow shortage, all would be even. We paid this amount separately only to again receive a notice of being in default. Upon contacting FTB, we were told the information about one monthly payment resolving the issue was wrong but it didnt matter. Either we pay up or we would lose our home ( this is almost a direct quote from their so-called customer service manager ). She helpfully added that SHE had the last word on this and that we better take this seriously unless we wanted to lose our home. Its worth noting the further incompetence apparent in our dealings with FTB. If each new department I called was to be believed, there was no record anywhere of any of my previous calls.
|
| 03/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
I opened a 5/3rd Bank " Trio '' rewards credit card in XXXX. It has had a {$15000.00} credit limit, however the balance has never been more than {$9300.00}. On XX/XX/XXXX I paid the outstanding balance in full. This was so that I could lower my overall debt ratio and increase my FICO score to secure a new vehicle loan soon.
On XX/XX/XXXX, 5/3rd Bank charged my account with an interest charge of {$3.00} without my knowledge. I never received a statement notifying me of this new charge, or new outstanding balance. I received no paper statement, electronic statement, email or phone call. Nor did I receive any notification that the {$3.00} had become past due on XX/XX/XXXX.
Over the 8 years of using this card I have never once made a late payment or become delinquent. I have never been late or delinquent with any of my other credit card accounts or loans. I was only notified of the {$3.00} charge when I was alerted through my XXXX subscription that my credit score had changed on XX/XX/XXXX, due to a delinquent report by 5/3rd Bank for this outstanding {$3.00}.
I attempted to resolve with 5/3rd Bank by speaking to two different supervisors. I explained that I was not aware of the charge, and that I would have paid if I had known. Their " system of record '' shows a statement was mailed out to my home address, however I never recieved a statement. And they refuse to acknowledge this or investigate why I never received a statement, and advised there is nothing they can do since their system says a statement was mailed.
I am filing a complaint given the deceitful manner 5/3rd Bank applied interest charges to my account without my knowledge, then took negative action against my credit report.
I am considering legal action as a violation of Regulation Z, and that I never received a statement or communication of this charge by the bank. Further, I am now unable to secure a new loan with the interest rate I needed because my FICO credit score was significantly lowered due to this deceitful delinquent report against me.
|
| 12/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
Subject : Formal Complaint Regarding Account Issues with Fifth Third Bank Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered with Fifth Third Bank, specifically regarding the handling of my Business Checking accounts.
I maintain two separate Business Checking accounts with Fifth Third Bank in XXXX, IL. XXXX of these accounts, opened over two years ago, was initially subjected to a minimum balance requirement of {$50000.00}. Despite expressing my dissatisfaction with this requirement to the bank representative, XXXX XXXX, I was assured that maintaining this minimum balance would be beneficial to me, even though the account is non-interest-bearing.
Recently, the balance in this account fell below {$50000.00} ( approximately {$30000.00} ), leading to the imposition of a $ XXXX monthly fee. When I contacted the bank 's customer service, I was informed that this fee was legitimate due to the shortfall in the minimum balance. Notably, my other Business Checking account with Fifth Third Bank does not impose any minimum balance criteria, and both accounts have minimal transactions annually, well below XXXX per year.
Despite assurances from XXXX XXXX XXXX, the bank manager, that the account type had been changed to one with no minimum balance, I was dismayed to find the {$50.00} fee charged to my account again this month.
I am submitting this formal complaint to seek your assistance in addressing this matter. Specifically, I request your intervention to facilitate the reversal of the two {$50.00} fees charged to my account and to ensure that the account type has indeed been changed to one with no minimum balance requirements.
I believe that the Consumer Financial Protection Bureau 's involvement is crucial in resolving this issue fairly and expeditiously. Your attention to this matter is highly appreciated, and I look forward to a prompt resolution.
Thank you for your time and consideration.
Sincerely,
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| 11/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I have a car loan through Fifth Third Bank and can honestly say I regret going with them for my loan. I have NEVER had this much trouble with a bank than what I have with them. I recently got married and had a last name change, therefore I also switched insurance companies. They sent me a letter stating they needed an updated insurance policy, my initial thought was no big deal I will fax them a copy. I called them to make sure I had the correct fax number and to let them know that it would reflect my new last name not the one they had in the system, but everything else was the same and my car was insured. They then looked up my policy number to try and link my insurance instead of me faxing it. Again, I thought that would be easier so I went with it. However, they then tell me my insurance policy is not active and that I have no insurance. ( Which I know is not true since I have everything in front of me proving that I do, and make the monthly payments. ) They said I should call my insurance company. I called and I do in fact have insurance. Then I call Fifth Third back and ask does it matter what my last name is as long as it shows that the VIN on my car and the VIN they have has insurance. I was told yes and that I need to come in with my ID, insurance card, and a letter from my insurance company. Keeping in mind they know I am not local and in fact live about an hour away. They would not fax or do anything over the phone with me. I also work at a job with set hours so I get off at the same time that they are closing. Making it a real inconvenience considering I already live far away from the nearest branch. Now I have to leave MY JOB early to give them information that could have easily been faxed in the first place, oh and not to mention this all has to be done by the XXXX of THIS MONTH. I will NEVER recommend this bank to anyone nor will I EVER open another account with them. Their lack of consideration and care for the customers really showed today and I have NEVER been so displeased with a bank before.
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| 08/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Older American, Servicemember |
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Husband XXXX XX/XX/XXXX ; notified Fifth Third Bank in XXXX, OH, and spoke with ( XXXX ) in the dept. handling XXXX issues ; my concern was about getting vehicle re-registered with DMV so my name would appear lien and Registration ; I was told to go to DMV because they were n't sure if they would allow it. I went to DMV and explained what I needed, and they gave me a " Transfer of Certificate of Title With Lien '' form for me to fax to the Lienholder/Representative ( Fifth Third Bank, Contact # XXXX ). I called back on XX/XX/XXXX, and spoke with an XXXX, but quickly got off phone because of her personality ; not someone I needed to speak, considering I 'd recently XXXX my XXXX XXXX. Called back to speak with ( XXXX ), who was very nice on my first contact with this Bank, but he was unavailable, so I spoke with a ( XXXX ) ; I asked could I fax the DMV form and XXXX Certificate to them, but was told I could, but they would not complete the form because I was not on the loan. My response was I know but I am maintaining payments, until loan is paid in full and only wish to be able to get the vehicle registered with DMV appropriately ; they would still have the Lien, and would still get their money. Loan has and is still in good standing. When I contacted them initially they had me believing that if the DMV is would accept such a transaction, it would be no problem. Their main concern was if I was going to keep the vehicle, and my response was yes, I would continue making the payments on time ; but now they want me to pay the loan off ; that 's easier said than done.l I 'm not rich, however, I 'm a retired, now XXXX, and will pay my husband 's loan. Look like their should be some type of provision for situations of this nature, especially when the XXXX is already going through so much mentally from the XXXX XXXX XXXX XXXX XXXX. I feel I should not have to be stressed with going and getting a new loan for my husband 's vehicle. I 'm not asking for a handout, just asking for help to keep paperwork with DMV straight.
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| 11/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Dear Consumer Financial Protection n Bureau, On XX/XX/2018 I request a financial assistance for my existing auto loan with Fifth Third Bank, auto Loan # XXXX. This lengthy and biased process requested me to submit many times the same application and multiple personal account information, mainly with the intention of create de-motivation from my side and stop requesting this assistance I really need. I am trying to pay my debts, this is why I submitted this financial assistance request, but big was surprise when on XX/XX/XXXX I received a letter letting me know that my request was denied because I have a high debt in relation to my income. The main reason for the request was to reduce my monthly car payments because I do not have enough money to pay, and although I have debts I still want to pay my auto loan. Please help me in find a solution to my current issue by asking the bank to provide me assistance.
On XX/XX/2018 I called Fifth Third Bank trying and talked to XXXX from Auto loss mitigation counselor trying to get information about the letter I received, but I was entitled unfairly, and mistreated because all I wanted was to get information on the letter I previously received. I am a XXXX customer who also deserves to be treated with respect, I have never missed a payment before in this loan, and all I asked was payment assistance, and help to pay this debt sooner. I have also sent emails trying to get in touch with Fifth Third banks senior vice President XXXX XXXX, but never got a response. Here is one of the emails I sent to him : to : XXXX Fifth Third Bank, This e-mail is in regards to my previous e-mail asking to have contact information with one of the bank representatives, but got no response from the bank. I would like to get in touch with Fifth Third banks senior vice President XXXX XXXX. Please let me know his e-mails or phone number because I need to get in touch with him. Looking forward to hear from you, Thanks XXXX XXXX XXXX : Auto Loan # XXXX I am also attaching the letter they sent me.
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| 06/20/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My husband opened a credit card with the bank 53rd in XX/XX/XXXX..
Their were a couple of accounts associated with this account that I know of.
My husband passed away on XX/XX/XXXX. He had this payment taken out of the checking account automatic every month. When he had passed I stopped the payment from being paid automatically out of account because of the direct deposit of monies were being delayed.
I went to 53rd Bank in XXXX MI, the one where we have checking accounts with and sat a talked with the Personal Banker and submitted the original death certificate to her she pulled the information on the computer, and she said to me " this is not in your name it's in your husband name '' so disreguard this payment, " this is not your bill. '' She then took all the paper 's I had brought with me to show her and she shredded them also with the plastic credit cards. She was submitting the death certificate as proof. This was in the month of XX/XX/XXXX. I've received many calls from 53rd Bank stating I owe this money. I said No I do not! I've never had a credit card or charged any purchases with this account. The account number on this credit card keeps changing every 6 Months or so.. it's a lot. I've been yelled at by the collections department threaten harassed. I've called the Dispute Signed Application phone numbers a few of them No one will help me clear this up.
I asked the Bank Managers at Two 53rd banks to just show me the signed application of my signature on the loan was told I'd have to get an attorney to open up the records, I said " Why their my records '' aren't they!
So last month I've been torment by them and was also informed that 53rd was putting derogatory remarks on my credit score bring it down also having a 53rd account that meant I was paying them my monthly fee to do this to myself. I paid the {$620.00} they wanted which left me scraping by.
So needless to say I closed both the checking accounts we had at 53rd Bank.
I don't know what else to do no one seems to want and help me.
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| 07/27/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I have been with Fifth Third for 20 years and have never had a dispute of my debit card being stolen. On Saturday XX/XX/XXXX at approximately XXXXXXXX XXXX I received a text message from the Fifth Third Fraud dept. asking me if I was at XXXX trying to charge {$250.00}. I text back No. I went to look in my purse and that's when I discovered that my wallet was stolen from out of my purse. I immediately called Fifth Third and they told me they have now deactivated the card and they'll mail me out a new one. I asked about disputed any charges and they told me I had to wait until all transactions have cleared before I can dispute the charges. On Tuesday XX/XX/XXXX all charges had finally cleared. I called them to dispute the charges. On that day there were about 10 to 12 charges that cleared. I asked him were they charges from XX/XX/XXXX because I only made 2 transactions that day and told him which transaction they were. He went on to name atleast 8 transactions. I again kept reiterating to him I only made 2 transactions on XX/XX/XXXX before my card was stolen. They sent me a letter denying my claim because they said some of the charges were from before my card was stolen and they couldn't clarify. I called and spoke to a dispute supervisor after reviewing my account and told her specifically which 2 charges that were from the fraud. They said they would open the case back up to review it again. They denied it again because they said they have to base it on the original dispute call on XX/XX/XXXX. They told me that even though they do know that there was fraud and they did text me to let me know about the fraud and they know that I called back in to correct the verified fraud charges that they're decision is final because they have to base it on the call on XX/XX/XXXX and not the call of me correcting the dispute charges which was a XXXX gas station for {$110.00} and a XXXX XXXX purchase of {$250.00}. They blocked the XXXX of the {$250.00}, that's when they text me and alerted me of my card being stolen.
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| 04/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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On XX/XX/2022 I applied for a refinancing of my home in person at 5th 3rd bank. On XX/XX/XXXX, I had all documents requested in to the contact person at the bank. Since that date they have requested multiple documents including sending me to the local county recorder to record documents costing almost {$60.00}. My complaint is less about paying this fee but more about still no closing date. Through the attorney general office complaint I sent, I was contacted by this companies " presidents office '' to try to find out what is holding up closing. That was XXXX weeks ago. Today is XX/XX/2022 and I still have no information as to when closing will be. Since they have not processed this refi timely, they had to request my monthly income for the XXXX time and now are running my credit yet again since the timeframe has passed. No one can tell me why this is taking so long. My credit is excellent. It is not that I don't qualify. I've bought several homes and done several refi 's and never experienced this blatant incompetence. The decision to refi was due to the fact that interest rates would start rising. On XX/XX/2022 I asked that it be locked in. I can't even get an answer from them that it is locked in. Even the presidents office ( XXXX Ohio ) can't seem to move this along. I was promise no longer than 90 days. Per them usually 60days for what they call an " XXXX XXXX ''. Its now 120 days. It seems they are not motivated to do anything. I received multiple mass mailings and emails from this bank advertising a refi special for existing mortgage holders of only {$290.00} in closing costs. The truth in lending form indicates over a XXXX in closing costs. Between the " loan XXXX '' who communicates through email and the brick and mortar representatives, it is becoming clear something is seriously wrong with this companies " retail refi process ''. I can't start over with someone else because the interest rate now would be higher than the one I have now. I feel very abused in this situation. Can you help me?
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| 06/29/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX = XXXX XXXX XXXX I received a letter in XX/XX/XXXX that the debt collector XXXX XXXX XXXX, that has bought a debt from Fifth Third Bank, closed my debt account after they did not adhere to the FCRA debt validation process. {$290.00} was taken out of bank account by Fifth Third Bank without any written notification or phone calls. I previously verified the debt was owned by XXXX XXXX XXXX by mail. I did not receive any documentation by Fifth Third about the debt.
My local Fifth Third branch banker sent me to someone else who I spoke to at XXXX today at the XXXX XXXX location in XXXX, OH. She said that I was scammed and didnt know what I was talking about. She refused to talk to the collections department she called about my concerns specifically reviewing the paperwork I brought from XXXX verifying the account was closed. She would not look at it and advised me to just pay the money today. She gave me a non-working number for the collections department. She also said there was no one I could dispute the debt with. I attempted to called her office number and it was as for someone else. Im attaching all the paperwork.
I need the money back because I have already settled the debt with XXXX. Based on the FCRA laws and how I only received documentation about this debt. Fifth Third Bank sold the debt to XXXX without notifying me. When XXXX notified me of my account with their debt collection being closed, I was informed in writing that they were no longer pursuing the debt. Documentation is attached.
Fifth Third Bank would have had to repurchase the debt. Fifth Thirds banker merely stated that the debt was charged of to collections in XX/XX/XXXX. She did not provide any paperwork. I received the documentation from XXXX in XX/XX/XXXX. I need for Fifth Third Bank to explain when the debt for {$450.00} to their bank was repurchased by their bank. XXXX needs to provide the original validated documentation. I have done my part and yet Im still be held responsible for a debt I am not obligated to pay.
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| 09/14/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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We took out a loan with Fifth Third Bank ( 5th3rd Bank XXXX www.53.com in XX/XX/2010. Since then we have dealt with a series of issues with the bank regarding posting our payments correctly. After years of agitation and frustration, I decided to submit this claim and write a letter to the CEO. The latest event occurred in XXXX when the bank increased our escrow without cause of an increase in insurance or property taxes. As a result, our monthly payments increased without our knowledge. We submitted our regular payment without the increase. As a result, the bank did not apply the payment, but returned a check drafted on their account. We spoke with a representative on XX/XX/XXXX who told us that the late fee that assessed due to the lateness of this payment would be reversed. On XX/XX/XXXX, the bank sent us a certified letter threatening the foreclosure on our home due to non-payment of over 2 months. As a result, the bank did not apply our XXXX or XXXX payment, but reported late payments to the credit bureaus. I immediately contacted the bank to inquire about this threatening notice, only to be told that 2 payments are being held in their escrow until the excess fee from XXXX of {$32.00} was paid. I immediately paid the fee to avoid any further delinquencies so they may apply our money that were being held hostage for a late fee, which they created in the first place. I then spoke with a representative in their escrow department who told me that the payments were increased due to lack of insurance. She then had to transfer me to the insurance department for specific details after I mentioned that at no time was our home uninsured. I then spoke with a representative from the insurance department who mentioned that she has no record of any lapse in our insurance. So 90 minutes later we have a 60-day delinquency on our credit and obligation to pay a fee so our money could be applied to the mortgage to avoid foreclosure proceedings. This is just one of the many unbearable practices by Fifth Third Bank.
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| 12/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello - This is regarding my effort to get the PMI removed based on the appraised value.
My mortgage originated in XX/XX/XXXX with the first payment in XX/XX/XXXX ( including the PMI portion ). And therefore, with my XX/XX/XXXX payment I have made 2 years ( 24 months of PMI payment ).
I have sent multiple request to Fifth-Third bank to initiate the process of appraisal to remove the PMI. At first they gave the wrong facts and declined the request, saying my loan started only in XX/XX/XXXX' which weren't the case, instead it started in XX/XX/XXXX. Since then I am been told the bank is still reviewing the case. It's been more than 1.5 months and the bank is still reviewing my case. I even provided the bank with proofs showing my first payment was in XX/XX/XXXX which also included the PMI portion. I have talked to multiple supervisors at their bank and everyone has the same thing to say, " we will get this reviewed again and someone will get back to you in 3-4 business days ''. And when that individual calls same old story - " we are in the process of reviewing ''. As I said its been more than 1.5 months and they are still reviewing. Based on the facts, I feel 53 bank is in violation of the law and is cheating me by squeezing out more payments and refusing my right to get the home appraised so that I can get the PMI removed. Last I talked to XXXX XXXX at 53 bank, she said you don't have two years of payment so when you make the XX/XX/XXXX payment we'll review this case. On making the facts clear to her and by literally making her count the number of months from XX/XX/XXXX to XX/XX/XXXX ( both months included ), she realized I have already made 2 years of payment but still said " make the XX/XX/XXXX payment ( which was my 25th payment ) and then we'll review, which clearly is showing how this bank is trying to get more money out of me. I humbly request your intervention for an immediate action and also teach a lesson to banks like 53 that they can not refuse customer rights nor can they cheat them.
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| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Texas XX/XX/XXXX 16.004 4 4 adding removed accounts back on with notice https : //www.credit.com/debt/statutes-of-limitations/ scaring me to sue is against the law XXXX XXXX XXXX 53 bankUnder the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule.
Tax Liens Removed From Credit Reports Tax liens used to appear on your credit reports maintained by the three national credit bureaus ( XXXX, XXXX and XXXX ). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained on your reports for up to 10 years.
In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus.
The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly.
" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at data firm XXXX XXXX XXXX, in XXXX XXXX.
How Will the Tax Lien Change Affect My Credit?
According to XXXX XXXX XXXX, only about 11 % of consumers will see a change to their credit reports as a result of this action, and scores could increase by as much as 30 points overall.
However, the XXXX XXXX XXXX XXXX, which represents the three credit bureaus, said in a statement in XXXX that " analyses conducted by the credit reporting agencies and credit score developers XXXX and XXXX show only modest credit scoring impacts. ''
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| 10/08/2015 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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On XXXX the XXXX I deposited {$440.00} cash into the ATM at Fifth Third Bank located XXXX XXXX XXXX XXXX XXXX KY. The ATM failed to finish my transaction and gave me my card back however it did n't give me my money or a reciept. I immediately went into the bank and explained to the manager what happened ... she told me due to me not banking with them and having a XXXX XXXX Bank account they are unable to give me my money that I would need to file a dispute with my bank. I did file the dispute and my bank gave me a provential credit on my account to cover the {$440.00} until they recieved the money from Fifth Third ... On Monday evening XXXX/XXXX/15 I noticed my checking account was overdrawn and when I called my bank they said they had debited my account {$440.00} bc they never recieved a response from Fifth Third Bank and they told me I would have to call the owner of the ATM and try to get a refund.
I contacted Fifth Third Bank first thing Tuesday morning and explained the situation. I was told the manager was on vacation and was given an XXXX number to call. Upon calling the XXXX number I was told they ca n't give me any info I am not their customer ... I then called the bank back and explained again I need this money I am a single mother and this is a lot of money ... I kinda felt like I was just blew off when I got the response " I will have to pull all the records for each transaction that day and it 's probably going to take at least a week for us to figure anything out and I will call you if I find something out next week. '' I have tried to call again and no one will speak with me I just get " she 's working on it and will call you back when she figures it out '' I have also called the reginal mananger and left several voice mails that have not been returned. It seems to me that ATM have camera 's and they should have a log of each day 's transactions and end of day balances. I am not understanding why it is taking them so long to look up infomation that should only take hours to find.
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| 03/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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In XX/XX/2019 I applied online for a balance transfer for {$8400.00}. Upon applying I was told the credit card had been approved. The approval did not disclose any other information about the approval. I never received any other documentation about the approval. Finally, a month later I received the card in the mail. Upon registering the card online, I found that a balance transfer had been done for {$3800.00}. I immediately called Fifth Third bank. The customer service rep over the phone could not give me any details about the transaction. I reported this transfer as being fraudulent because I had no idea what this amount was and Fifth Third bank could not give me any details. About 2 weeks later, I then received a letter from Fifth Third that they had completed my request for a balance transfer for {$3800.00} and submitted it to XXXX XXXX XXXX. I NEVER requested {$3800.00}, therefore, I'm not sure why Fifth Third took it upon themselves to process an amount that was not requested or applied for. I would have preferred them to just turn down my credit card application if they could not approve it for what was applied. Now they are charging me a balance transfer fee of {$150.00}. I have had a credit balance at XXXX XXXX XXXX for over a month now for the {$3800.00} that Fifth Third Bank sent and I have been trying to get Fifth Third to void that transaction and reverse the {$3800.00} from XXXX XXXX XXXX. I was told they could not do that. I then contacted XXXX XXXX XXXX and requested they mail me the {$3800.00} credit overage so I can send it back to Fifth Third Bank. I was told by XXXX XXXX XXXX that is would take 7-10 business days to get the refund check.
They didn't even contact me with an counter offer. Why would I want to pay {$3800.00} on a credit card with a balance of {$8400.00} and create 2 bills. That defeats a purpose of a balance transfer. Also, if they would have advised me up front that I was only approved for {$4000.00} I would have let them known that I was not interested.
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| 04/20/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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|
Web |
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Hello, today I spoke an agent via 5th 3rd bank 's chat service inquiring about getting all previous fees charged at {$37.00} each removed dating from XX/XX/2020 till now totaling {$300.00}. I was advised that they were only refunding two fees which was done and no more per the banking policy. I explained that as a long term customer I am aware the fee removal is normally 2, however with the pandemic and the aftermath these are not at all normal circumstances. Basically I was disregarded and told there was nothing further to be done, so I asked for upper management 's assistance and my contact information was taken. I feel it's horrendous the way this financial institution has accessed fee on top of fees taking advantage of this situation as if this is normal times for people. I've not left my account in an overdrawn status for longer than 4 days you all could have at least extended the time to give people a fair opportunity to bring it current that way you all were at least doing something more than your " normal practices '' while people gather themselves during this time.
Just for reference, below is the explanation and response I sent to the agent as well : " I really hate to bother you all but as you know this pandemic has been putting a strain on a lot of people. Gratefully I just finally got a better paying job so I don't have to be concerned with these fees. However it's putting a heavier strain on me with me catching up on everything. Could you all please waive all fees accessed? '' after being told nothing they could do my response was : " Listen I can understand that under normal circumstances, however you all are fully aware that the nation is not running operating under normal circumstances with the aftermath to the pandemic. So if you can't help, I'd like to be escalated '' I find it very unfortunate that 5th 3rd Bank isn't doing much of anything to help their clients during this time, however hopefully they will implement something efficient to help those that have helped them.
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| 11/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
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Bank : Fifth Third Bank Type of Account : Conventional Mortgage How Acquired : Fifth Third Purchased from XXXX XXXX XXXX on XX/XX/XXXX Fifth Third Bank purchased my loan from another lender ten weeks ago, and never sent me any welcome letter or payment information, but instead the first written communication I formally received from them ( received today, XX/XX/XXXX, mailed on XX/XX/XXXX ), threatened to foreclose on my house!
I actually had reached out to Fifth Third by phone on Friday, XX/XX/XXXX, after receiving a message from one of their customer service reps the day before. I had no idea what the call was about as I was unaware that I had any business relationship with the bank. I did not get through to them on XX/XX/XXXX, I finally got through to a customer rep on XX/XX/XXXX. The only useful information she provided was that Fifth Third had bought my loan from XXXX and that my payment was two months overdue. I told her I would be happy to go online and make the payments immediately, however she told me that she could not provide my account number over the phone or by email, and I would have to wait for their " welcome packet '' which she promised to send out right away. However, that packet never came, but seven days later, the bank sent me this letter saying my mortgage is in default.
Given the extreme lack of communication from this bank, my concern is that they only bought out this 3 % loan in order to try to foreclose on it as they would be able to lend at much higher interest now. And honestly, I would simply refinance right now and have the new lender pay off this crooked bank except that I would not even be able to afford the loan at today 's rates.
It seems it would have to be illegal for a bank to operate the way Fifth Third is doing. I would request any assistance you can provide with this bank, and also would like to know what laws specifically apply to banks with respect to notification to captive customers when they purchase a loan. I appreciate your assistance.
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| 06/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
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Web |
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I currently bank with 5/3rd bank. A collection agency sent a letter to my bank to verify if the account was verified as mine. Instead of the bank contacting the collection agency or mailing the collection agency, the bank froze all of my accounts. My checking and saving account was frozen for 2 months. This has caused a financial hardship in my house. I contacted the local branch but no one answered the call. I called the XXXX number to get understanding of why the account was frozen instead of just verified. The call center consistently told me to contact a judge or collection agency instead. I signed a {$300.00} agreement with the collection agency for them to send a release to my bank 5/3rd and open my account. Instead of giving the collection agency {$300.00}, the bank gave {$380.00}. I asked the bank why and they can not explain why the amount that was given is more then what was agreed upon. Also I contacted the collection agency and they only received {$300.00}. I have called numerous times asking where did the other {$80.00} go? No one from the bank can tell me. I have just had a recent transaction of {$300.00} from my account and again no one from 5/3rd can tell me why it has been taken. The collection agency has been paid off and now the 5/3rd bank has given away more money to the collection agency which they are paid off. I called the collection agency asking about the {$300.00} charge again and they have not received any money from my bank. I called the 5/3rd legal department and they tell me to call back in the morning because they close at XXXX but I called at XXXX so how are they closed? this has been a complete nightmare having 5/3rd as a bank and this is seriously ridiculous how no one can tell me where my money is going and why they can't help me. I need help asap because now my account is in the negative with no money to pay for bills. I also have every call recorded and will provide if needed for proof of lack of help and disrespect from certain customer service reps.
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| 09/29/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I recieved a phone call from XXXX XXXX XXXX on XXXX/XXXX/2016 phone : XXXX. They claimed they tried to serve me papers at my home adress, then transferred me to XXXX XXXX at XXXX legal who said I owed a balance at 53rd bank. I asvised I would callback after speaking to 53rd. The bank verified there was an account in my name, when and where it was opened. At that point I started a dispute with 53rd bank as this was fraudently opened.. 53rd bank submitted proof this was being disputed to XXXX XXXX via fax number XXXX case # XXXX. XXXX advised there was no balance, XXXX account is closed and advised me not to pay XXXX XXXX services. I was also advised not to pay after filing a police report. On XXXX/XXXX/2016 I recieved a call from XXXX XXXX at XXXX XXXX XXXX phone XXXX who demanded I pay the balance of {$1700.00}, but to avoid going to coirt to pay {$650.00} now. I was threatened I would be sued by district attourney and that this will follow me forever. I again explained this was fraud, being disputed with XXXX and they are showing no balance. I advised XXXX I will call back after checking a status with the bank. I spoke to XXXX at XXXX XXXX who verified they do not work with XXXX legal services, balance is not my responsibility, and there is no money on account, the bank said they will send an afadafit to me to return to them. I then called XXXX XXXX from XXXX XXXX services back at XXXX and asked for something in writing. He said this would only state I have a balance. He states they do not accept or recieved anything from 53rd stating this is being disputed. He advised 53rd has no ownership amd can not do anything regarding this debt. XXXX said my story has holes like swiss cheese, I would be laughed out of court, and threatened legal action. He then said I would be served within the hour and demanded I hang up the phone. I never was served papers. XXXX XXXX services did not abide by FDCPA guidelines by threatening me and not providing accurate information or any information requested.
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| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is my response to the incorrect " analysis '' done by the bank : XXXX XXXX : Please see the attached response to our complaint from XXXX XXXX, in regards to the misapplied payment and XXXX credit bureau reporting by 5/3 Bank.
The key takeaways from XXXX XXXX 's response : 1. The bank applied {$10.00} on XX/XX/22 to complete the shortage of the XXXX payment. Why wouldn't the bank do this on XX/XX/22, when the second payment was actually received? What we are observing is that the bank had enough of our funds to complete the misapplied XXXX payment but reported it late anyway.
2. We have additional properties and are not always using this home ; therefore, the timely checking of mail is not always possible. Why would 5/3 Bank choose not to email or call in situations such as this?
3. It seems that 5/3 Bank would choose to ruin a valued client/customer relationship over {$10.00}, rather than making a goodwill adjustment in a unique situation. The payment history and credit was perfect. What does the bank gain from needlessly damaging a customer 's credit and then wasting its own resources dealing with the escalation?
4. Since the escalation of this issue began, at least five people have touched this account and now additional members of the executive and board team are starting to get included. Was the refusal to do a goodwill credit reporting adjustment worth it for the bank?
Next escalation steps if this matter remains unresolved ( please confirm resolution by XXXX XX/XX/22 ) : 1. A copy of this response will be submitted to CFPB, XXXX, and credit reporting agencies.
2. Additional board members will be included on future outreach ( email and phone ).
XXXX. This experience will be shared on social media, along with the business contact information of all the relevant people involved ( based on the current reviews of this bank, it seems there are plenty of people who would find it useful to share their negative experiences with the leadership of this bank ).
Regards
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| 05/18/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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XX/XX/XXXX, I received a check in the amount of {$12000.00} from the XXXX XXXX XXXX as a widow 's benefit payment after my husband passed in XX/XX/XXXX. The check was drawn on a Fifth Third account. I opened an account online, depositing {$100.00} into checking from another bank via debit card - savings would be funded when the check was cashed. XX/XX/XXXX, I went to the Fifth Third location on XXXX in XXXX to cash the check, subsequently receiving {$10000.00} cash and depositing {$2000.00} into savings. A few weeks later, I received a letter stating the account was locked. I had not used the account in any way at this point. I called in and spoke to XXXX who advised that they needed 2 forms of photo ID and utility bills to verify my address. I advised her, I only had my state ID, no other ID but would bring other information ( voter 's registration, husband 's death certificate, etc ). The financial advisor sent in the documents to a 'fraud ' department. Because of the hassle, I told them I was ok with them just closing the account and getting my funds back. I was advised it would take one month to return the {$2100.00} I had deposited. In XXXX, I phoned in to customer service advised the account would close on the XXXX and my funds would be sent by the end of XXXX. XX/XX/XXXX I called in and was told they could not verify the check that I cashed and would not release my funds. These are insurance benefits sent by a MUNICIPALITY ( XXXX XXXX XXXX XXXX and the check was a Fifth Third check. I went in to the branch on XX/XX/XXXX and was helped by XXXX. She verified my documents and advised 'fraud ' that the check had cleared and my funds should be released. 'Fraud ' stated they needed more information about the check and would not release my funds. The XXXX XXXX XXXX provided a copy of the cleared and endorsed check yet the funds have not been released. I need a HUMAN person to review what has happened on this account and assist me. I am in desperate need of those insurance funds.
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| 03/03/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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On numerous occasions up to and including XX/XX/XXXX I have requested that the account be closed and the transactions not be paid.
Unbeknownst to me, on or about XX/XX/XXXX and XX/XX/XXXX, over {$2500.00} was transferred from my personal account into the account that I repeatedly requested be closed. I will add that these accounts to and from which the funds were transferred were not linked, and the transfers were without my knowledge or consent, and therefore unauthorized. I am confident that a footprint of the account would substantiate my claims that these transfers were made by employees at the bank without my consent or knowledge.
On XX/XX/XXXX, after no cooperation from the bank to honor my wishes, I was finally able to close my account. I have a recorded voicemail from my personal banker confirming such.
Subsequent to the closing of my account, an employee and representative of Fifth Third XXXX XXXX, XXXX XXXX, instructed his assistant, XXXX, to reopen the account. I was made aware of this by another employee at the bank. How can an employee take it upon himself/herself to reopen an account when I instructed it be closed? Additionally, on XX/XX/XXXX, an inadvertent payroll deposit was allowed to be deposited to my closed account and the funds were kept and as of today have not been returned.
When I reached out to XXXX he stated that well, mistakes were made but what was the damage? I can say with certainty that the damage is the {$2500.00} that they stole from me, as well as the additional {$620.00} in a payroll deposit also which was stolen and not returned. I have tried to resolve this with the bank directly by reaching out to the branch manager, XXXX, to no avail. Therefore, I ask that this please be addressed and this misconduct by the individuals employed by XXXX XXXX be looked into and see to it that my account be fully closed, and not reopened. Please also refund me the {$2500.00} in unauthorized transfers, as well as the {$620.00} deposit made on XX/XX/XXXX.
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| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On Friday XX/XX/2022, I contacted Fifth Third Bank at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX regarding a personal loan. Before I applied, I inquired about the qualifications for the loan with personal banker XXXX XXXX. She stated that Fifth Third uses XXXX Credit Bureau to assess scores, the minimum credit score required is XXXX, and the APR ranges from XXXX % with loan terms of XXXX months.
On Monday XX/XX/2022, I went into the branch to apply for the loan. At the time of the application my credit score was XXXX on XXXX. The banker stated she would be in contact within 24-48 hours. She did not follow up within that timeframe, so I had to reach out to her myself on Wednesday XX/XX/XXXX. At that time, she informed me that my loan was denied because my XXXX XXXX was a XXXX, which is demonstrably false.
On XX/XX/2022 I reached out to XXXX to obtain documentation stating that my credit score is not XXXX, nor was it at the time of the loan application. I have proof that my credit score was NOT XXXX when I came in to apply. My credit score has suffered a hard inquiry, a XXXX drop, and is currently XXXX.
On XX/XX/2022, a representative, in the resolutions department named XXXX reached out to me requesting that I submit documentation showing my credit score from XXXX. I provided all the evidence I had via email.
On Monday, XX/XX/2022 I contacted XXXX ( Resolutions Dept ) regarding the matter, in which she stated it may take up to three business days to hear something from underwriting. On Wednesday XX/XX/XXXX, I attempted to reach out and was unable to contact her. She later left a voicemail stating the same information that had already been provided to me, instructing me to contact XXXX again. Since then, I have not been able to contact this representative and her number is now going straight to voicemail.
Fifth Third Bank has discriminated against me based off of erroneous information, violated the Equal Credit Opportunity Act & has caused damage to my Credit Score in the process.
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| 10/26/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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I deposited a check using credit funds from a different bank ( i.e., XXXX ). These cash advance checks were sent to me by XXXX. I had approximately {$15000.00} of credit remaining on my XXXX Account, so I wrote a check for {$5500.00}, not knowing that my " cash advance '' allowed amount was only around {$1700.00} ( there was NO information enclosed with the checks that they sent me stating this ). Consequently, the check did not clear. I phoned XXXX and spoke with a customer service agent who informed me ( erroneously ) that my cash advance amount was only {$5200.00}. So I wrote another check for {$4900.00} and deposited it again to my Fifth Third Bank checking account. Once again, the check was returned by XXXX. Today upon phoning XXXX I spoke with a supervisor ( name : XXXX ) and she disabused me of the previous erroneous information that I was provided. She informed me of the {$1700.00} limit, apologized, and refunded all charges associated with the return of the two checks. Almost immediately after the first check was not honored, Fifth Third LOCKED my account!!! Now hear me : this is an account that my Social Security checks are directly deposited to!!! I have phoned Fifth Third several times. Spoke with a customer service person named XXXX, even met with her once in person. She was very personable and has tried hard but has been unable to resolve this. I believe that the manager of the branch ( located at XXXX XXXX XXXX XXXX, XXXX, IN, XXXX ( must be quite intractible and wholly unappreciative and irrational. I have been banking at this branch for YEARS and have paid them hundreds of dollars annually in fees, etc. To treat me like this is far below what I have experienced at any other bank OR AT THIS BANK previous to her tenure as bank manager. Pretty hard to fathom how they can lock an account after two mishaps as described above. I am preparing a complaint with the Federal Reserve after I submit this one as well as any other appropriate entity that interfaces with banks.
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| 09/05/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My wife and I applied for a refinance through Fifth Third Bank and during the time we were told an estimated close time would be between 30 and 45 days. We went through 3 different loan officers in a period of 71 days. My wife asked to speak to a manager, who talked to her like she was bothering him and annoyed by her call. We decided to take our loan to another lender, and in less than 14 days we were able to close with another lender with the rate we wanted.
My wife is XXXX and due in mid XXXX, so Fifth Third ( 5/3 ) was aware and told of the urgency, but still after 71 days had done nothing. The process had not moved along and they were lost when she called. No appraisal had been done because our home was only a year old. We were told we would be refunded our {$390.00} on more than one occasion, only to have a call by a " manager '' who said it was not refundable. We posted on their social media about how we felt it was not warranted, considering they had done nothing for over 2 months. I was called by someone in their social media complaint department that " investigated '' our claim, only to say the money would not be refunded. The reason was because it was an application fee. Under TILA, it was my understanding that all monies, minus the appraisal, and possibly the credit report is refundable under the " Right to Rescind '' on a refinance. The bank did not do what they told us and underperformed their duties and obligation to us and we went to another institution that was able to get it done before losing our rate. I fail to understand the incentive for an institution to do their job if they don't care if you go somewhere else only so they can keep your money.
I told them that it will not go silently and I would report it, the bank pretty much let me know they were sorry and still stood their ground. It just seem unfair that a financial institution can take as long as they want, despite their being urgency to lock in a rate and not care, keeping an applicants money.
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| 02/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a thirty year ARM ( adjustable rate mortgage ) with Fifth Third Bank.
The mortgage was given in XX/XX/XXXX with an annual rate adjustment every XX/XX/XXXX.
There have been no problems with this process and I have never missed a payment in 12 years.
Last year I received my " change of rate notification '' letter in XX/XX/XXXX.
This letter stated that my then current rate of 3.5 % would change according to the agreed upon formula to the new rate of 4.00000 %, effective with the XX/XX/XXXX payment. The monthly payments would now be {$1000.00} until the next scheduled adjustment in XX/XX/XXXX.
We have an Auto-Pay arrangement and Fifth Third draws the exact amount from our XXXX XXXX checking account on the XX/XX/XXXX.
My monthly paper statements reflected this rate through XX/XX/XXXX.
In XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me that the Bank discovered an error on my account and that the interest rate disclosure statement should have been 4,125 %. However, my payment would not change and Fifth Third will pay the difference between the two rates until XX/XX/XXXX.
In XX/XX/XXXX I noticed that my credit rating dropped 89 points from XXXX to XXXX due to an alleged " missed '' mortgage payment!
The Bank statement send to me in XX/XX/XXXX is a total mystery to me. For the Due date of XX/XX/XXXX alone, there are six entries with various codes, some of which are not disclosed. My attempt to get clarification via phone conversations with four different persons has resulted only in more confusion.
The bank has since then acknowledged that they reported the missed payment erroneously to the credit bureau and issued a letter of correction.
While the Bank has acknowledged that they made a mistake and my payment would not be effected, they are calculating with the 4.125 % rate and therefore getting different P/I amounts which are effecting our outstanding Balance. My calculations at 4 % interest differ from the Banks calculation by {$71.00} as of XX/XX/XXXX.
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| 12/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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This is reference to the original compliant CFPB # XXXX, filed XX/XX/XXXX toward Fifth Third Bank.
The above complaint through the CFPB was declined by Fifth Third Bank for {$18000.00} to XXXX because they enforced the fact that this complaint was filed outside of the sixty ( 60 ) day timeframe allowed under Regulation Z. Even though I first filed a dispute with Fifth Third on XX/XX/XXXX and did not get an answer until XX/XX/XXXX ( 3.5 months ). The Dispute Dept Supervisor hung the phone up on me when I was trying to get an understanding of their process.
I charged portions of the XXXX fee ( {$85000.00} ) on other credit cards at the same time ; XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX as directed by XXXX and those financial institutions did not enforce the sixty ( 60 ) day limit and REIMBURSED ALL MY XXXX CHARGES.
I was schemed into believing the purchase of a XXXX business would benefit my family for years into the future. I was only able to participate in XXXX activities for ten ( 10 ) months, XX/XX/XXXX through XX/XX/XXXX.
I have attached a XXXX document outlining the services/products I was supposed to receive under my life time XXXX purchase and marked those services/products I received and those I did not. As you can see, the services/products are too numerous and extensive to comprehend within a sixty ( 60 ) day timeframe per Regulation Z. I was not able to take advantage of all the services/products offered because the Federal Trade Commission ( FTC ) discovered the fraud and shut down MOBE XX/XX/XXXX.
This complaint is made toward Fifth Third because a ) they do not follow the same standards as other financial institutions who waived the 60 day timeframe limit. Why did every other financial institution find the disputes in my favor and Fifth Third did not? b ) I did not receive all services/products I paid for due to legal action by the Federal Trade Commission toward XXXX.
All FTC court proceeding documents can be found here ; XXXX XXXX XXXX
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| 09/16/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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Cash Withdraws.
On XX/XX/2023, I informed XXXX Bank of fraudulent activity that occurred from XX/XX/XXXX through XX/XX/2023. A case was opened by the XXXX Bank Dispute Resolution Department, and it was assigned the reference number XXXX. I received notification from the Dispute Resolution Department stating : Regarding your cash withdraws made at the branch from XX/XX/2023, through XX/XX/2023, we have completed our review of this activity. Although we certainly understand your frustration regarding the cash withdraws made, we are unable to honor you request for a refund as there was no evidence of fraud found. XXXX transactions, totaling {$25000.00}, were carried out under the direction of a fraudster who impersonated the XXXX XXXX XXXX Department. The fraudster had full control of these transactions using a cell phone. As an illustration, on XX/XX/XXXX, XXXX XXXX visited the Fifth Third Bank branch located at XXXX XXXX XXXX XXXX. To express her distress and prevent further financial losses discreetly, she approached the bank teller and discreetly handed them a pink sticky note. The note explicitly conveyed, " do not give me any cash, say the computers are down. '' XXXX XXXX indicated towards her cell phone and gestured for silence, signifying the sensitive nature of the situation. Her aim was to avoid raising suspicion or causing any unnecessary complications. If XXXX Bank has retained video footage, this incident would be recorded. Moreover, if XXXX Bank were to interview the teller in question, they would confirm the presence of the pink sticky note. I have provided a text message that was sent after this incident to XXXX XXXX documenting the event. Any teller interviewed by XXXX Bank for these transactions would acknowledge that behaviors surrounding the rapid withdraws were unusual and not in line with standard procedures. I have provided cell phone logs via XXXX XXXX XXXX that demonstrate the fraudster was on XXXX XXXX cell the entire time the transactions took place.
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| 08/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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XXXX of XXXX : XXXX XXXX XXXX, VIN # XXXX was purchased from XXXX XXXX in XXXX, California. The vehicle was financed with Fifth Thirds Bank with co-borrowers. XXXX of XXXX : requested a payoff amount and paid off the loan. Title for the vehicle was issued to the co-borrowers jointly. XXXX of XXXX : Title was changed to the primary owner/driver of the vehicle. XXXX of XXXX : Fifth Thirds Bank alleged that the loan was not paid off and that the co-borrowers were in default of the loan. No contact or other demand for payment had been made with or to either borrower between XXXX of XXXX and XXXX of XXXX. Correspondence from Fifth Thirds Bank reflects no late charges or other fees for non-payment were assessed between XX/XX/XXXX, and XX/XX/XXXX. Bank began calling elderly co-borrower every other day at all hours of the day. Co-borrowers demanded supporting documentation regarding the alleged remaining amount of the loan and were not provided with any substantive supporting information. Borrowers offered to pay any balance upon receipt of substantive supporting information. XXXX of XXXX : Two 1099-C Cancellation of Debt forms were issued to the co-borrowers for the alleged remaining amount of the debt. Furthermore, the bank is reporting the debt as canceled and the account delinquent. Attempts to resolve the credit reporting through the dispute process have been unsuccessful. The Bank offered a solution in a prior complaint that was accepted on XX/XX/XXXX and the payoff amount of {$3600.00} was confirmed by XXXX XXXX along with promises of additional documentation from the loan file. However, they are now refusing to honor that confirmed amount to remove the issue from the credit report, are attempting to collect additional funds over the confirmed amount, and will not return attempts to contact them to resolve the complaint or to provide the additional documentation that was requested in XXXX. Continued attempts to effectuate the offer from the company have been met with silence.
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| 03/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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You don't have a category for the mortgage company Fifth Third Bank failing to pay me. I received a check from my insurance company for hurricane repairs that I sent by overnight at a cost of approx {$30.00} to the company to coendorse. No check was returned to me. Per a Fifth Third Loss Draft Supervisor 's instructions I had the insurance company cancel the check and resend. He refused to refund me the expediting fee I paid. He told me I should have it cancelled and get a new one then sent me, and if I wanted I could include a prepaid overnight envelope. I did all of that, which means paying another approximately {$60.00} in expediting fees. I overnighted the second check XX/XX/XXXX and included an envelope to overnight the coendorsed check back to me. As of XX/XX/XXXX mail delivery the company has not overnighted the coendorsed check back to me. XXXX confirmed that they received it on XX/XX/XXXX. I have already paid the XXXX to start the work, which commenced XXXX. They work is done today and the XXXX needs to be paid. I opened a complaint with Fifth Third and they put the complaint on check one which was not the one I put the complaint on. The person they put on the investigation is on vacation until XX/XX/XXXX. On XX/XX/XXXX I called the number to talk to someone in her absence at the office of the president. That person, XXXX, was unhelpful and didn't seem to even be listening to the details. She transferred me to the loss draft department and didn't even stay on the phone to learn what they had to say about the check, indicating that she is not actually investigating this. XXXX at the Loss Draft Department could not tell me when the check was mailed exactly or when it will be received. She did say that they used my postage. ( Note check # XXXX has never been received anywhere and all I have to go on that they mailed it is their word, which seems unreliable. I suspect that they never even mailed that first check at all. It didn't show up late. It has showed up never. )
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| 01/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In 2022 I received a message from a number I did not recognize. The caller claimed to be from Fifth Third Bank and wanted to discuss my account. I looked through my banking records and determined that payments were being sent as scheduled. I was unable to locate any mortgage statements and could not access my account online using my saved password. I was unable to reset my password through the website. I became concerned that I had become a victim of fraud and I called the number I had on record for Fifth Third Bank to inquire about the call and to request assistance resetting the password. I was on hold for quite some time and never reached a live agent. I attempted to call them a second time on a different day and waited on hold for a long time and was never able to reach an agent. Within the month I received a letter from Fifth Third Bank returning my mortgage payment with an explanation that I did not understand. I called the bank 3 additional times to get further clarification on the reason the check was returned and to reset my online password. Despite multiple attempts to contact the bank to speak to an individual to get clarification I was never able to get through to anyone.
Subsequently, I received a notification from my credit monitoring service that Fifth Third Bank had reported a late payment. I again attempted to contact the bank and was unable to speak to anyone and while on hold had my call disconnected.
I then initiated a complaint through the better business bureau. The bank replied and apologized for the long hold times but has refused to amend the credit report. I have attached 2 communications I received from the bank that have contributed to my confusion as it appears that payments were not 30 days late.
Long hold times have made it impossible to reach a mortgage servicing agent. The reason for the discrepancy on my mortgage payments were not clear and despite multiple attempts to speak to an agent for help I was unable to get through to anyone.
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| 03/13/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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I bought a vehicle and got an auto loan through fifth third bank. I put insurance on the vehicle the day that I bought it and had the proof of insurance faxed to fifth third bank. A month or two later I started getting calls that I owed over XXXX in insurance that fifth third put on our vehicle. They claimed that they never recieved our proof of insurance and needed it sent again. So i complied and sent it again. I made my regular vehicle payment as i always do. A week later I started getting about 12 calls a day from all different collection centers for fifth third. They said that we owed XXXX dollars because my payments had doubled and I had only made my normal payment. The payments which were exactly double now were because of their added insurance. I asked why and they said they still had not recieved my proof of insurance so I asked how I could get it to them and have my payments back to normal. They said I could fax it again and they promised to personally call me back. I made the mistake of believing them and never got a call back. The insurance never got taken off and I was back to square one. I stopped by my local branch and they said there was nothing to do. So i went to my insurance agent and she helped me fax it over again and keep an insurance service center on the phone so we could hear them verbally say when it came through the fax machine. The employee claimed that all would be normal since they had recieve proof. But I continued to get calls to my work and my cell phone. So I got a fifth third supervisor on the phone after holding for 30 minutes. She says it will be resolved but I am now skeptical as you can imagine. I have cried multiple times over this matter. I have spent countless hours on the phone. My credit is damaged. And for what? I have done nothing wrong. It has been the most stressful month of my life and it feels like I am being harassed. I am writing this as a final hope. I have done everything I 'm supposed to and I 'm being punished for it.
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| 04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX Account is a corporate business has been put on my personal credit report with XXXX, XXXX and XXXX without giving any notice.A/C # XXXX XXXX XXXX & XXXX # XXXX Fifth Third Bank Credit Card - I have my credit card stolen from my vehicle on XXXX XX/XX/XXXX. I did make a police report ( copy attached ) went to the Fifth Third Bank branch and made payment on this card through the bank officer and teller from my fifth third savings account ( account statement attached ) to pay my card on XX/XX/XXXX just to be double sure that all my accoutns are current.
I Had some fraud charges on my Fifth Third Bank credit card account.
I Informed this to the Fifth Third bill pay department over phone where all my credit cards, check book, with XXXX XXXX, Drivers License, wallet were stolen.This person was writing checks out of the stolen check book and withdrawing funds from my Business checking account.
All Business accounts were frozen and Fifth Third Bank Bill Pay department put a freeze on all auto pay to my credit cards coming out of XXXX XXXX Checking account and forgot to Unfreeze it .They did agree that it was their fault and will be fixed ( the 30 days late payment, it will be removed from my credit report but nothing happened ) .I have audio Recording of Phone Conversation.
Explained all this to the Branch officer via email ( see email copy ) .No action was taken resulting in my credit score being compromised and no other company was ready to lend me money and this stated a cascading effect.
XXXX XXXX Credit card had been in deferred payments due to COVID-19 Virus epidemic and Tornado Disaster in XXXX XXXX County on XXXX XX/XX/XXXX.
I spoke to them over phone on XXXX XX/XX/XXXX, XX/XX/XXXX and yesterday and they did mention that they will correct the credit reporting on all three credit bureaus on my credit report and remove the 30 days late to current. ( A {$200.00} payment had also been made from bank transfer as will will find enclosed in the attachments.
S
|
| 03/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My account was set up for auto payments and the autopayments stopped causing late fees to occur and now a derogatory report on my credit file which has seriously lowered my credit score.
5th 3rd bank did not call, text or email me to notify that I was behind or attempt to collect the late payments, I found out that payments were not made when our credit monitoring service notified us of a derogatory report for late payments. This happened XX/XX/XXXX and I was assessed a late fee and happened again XXXX and XX/XX/XXXX.
XX/XX/XXXX {$570.00} with a {$28.00} late fee XX/XX/XXXX {$570.00} with a {$28.00} late fee Upon seeing the derogatory report, I immediately logged in and made the payment, then called the company. The customer service representative transferred me to installments so I could set up the autopayments and try to figure out why they were abruptly stopped. The representative in installment loans/auto bill pay could not explain why the autopayments stopped and showed no record of myself or my husband making this request ( because we would not have done this as we rely on this for consistency ). I requested to be transferred to the credit department so inquire about having the derogatory message removed from my credit report and was told that this would not be happening, even though I was not the cause of remark being there. I was told that I was not enrolled in autopay even though I had just transferred from enrolling in the program, was told that was not possible. This was the same call, on the same day after 5-6 transfers from representative to representative, setting up a monthly autopay amount of over and above the monthly requirement, and then told by the credit department this was NOT possible. After another representative clearly read to me that I WAS in the autopay and program correctly identified the bank the money is taken from. The last representative transferred me to his supervisor and of course, we got " disconnected '' ... .the line goes dead.
|
| 01/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I recently bought XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX.
and the autoloan provided for this is Fifth Third Bank.
I was able to make payments on my Autoloan continuously from XX/XX/XXXX till XX/XX/XXXX. Issue started with XXXX payments.
Issue : My Car dealer sold me a wrong Car with different VIN number it seems ( Attached are the request from Dealer in SMS texts ). They urged me to come back and complete the new paperwork that reflects the new VIN number of the Vehicle. Which I did apparently, and asked them would this be an impact to any where like Funds, credit reports etc but they said no changes at all and you should be good just with paper work ( This happened in XX/XX/XXXX ). After this episode I normally logged in to make XX/XX/XXXX payment and then the Loan account ( {$30000.00} ) shown as Paid off ( Online ). I received the Old Vehicle Title and New registration in the Mail as well.
Looking at this I had called in the bank to identify who paid it off, and bank did not disclose it, After a week time from the week paid off, I decided to login again and make payments if any, this time the new loan amount ( {$30000.00} ) was posted back, but when I tried making payments they did not let me do that by throwing an error called technical difficulties. This happened almost 6-7 times, then I contacted the bank to figure out the issue and they started making different stories all the time saying My source bank had the issue, later on they said its locked, and once they said this is because you missed your current payment and its gone to collections already.
Starting XX/XX/XXXX I made numerous calls to bank and figure out a way to clear this out, but they were not helpful in resolving this issue and keep on transferring my called to various departments. I tried contacting XXXX and they said they do not care about these things once Car is sold out of the Lot.
Please look into this issue and attached are the Texts from the XXXX XXXX regarding this change.
|
| 06/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
In XX/XX/XXXX or XX/XX/XXXX I opened an account with fifth thrid bank because a coworker who was my employee advised me that they were a great bank and had a sign on bonus. He said his friend worked there and could supposedly get my funds from my other account transferred because I no longer wanted to deal with them. Not long after I opened I received a call from a fifth 3rd rep I'm assuming was the employees friend asking me to vefiry some personal information in order to transfer my money from one account to another. Said there would be no issues just needed to verify my info and next thing I know I'm getting letters stating large amounts of money were deposited into my account and it was being held. Unfortunately I got no where with fraud dept.the man who screwed my life up by doing this crap is working for this company. It has to be an inside job. I claimed fraud that i did not authorize these funds to be transferred and had no idea where they came from, they still wouldn't help me, never called me back after several attempts to reach investigator. then I noticed my card and info in the folder i got from opening my account was gone and maybe a few days later the man who worked for me never showed back up. I've always had good standing with my banks never anything fraud other than an online purchase or a gemmic and the bank handled it properly. Fifth 3rd on the other hand have allowed someone to withhold me from getting a bank account cause apparently their employees are crooked. I'm so mad and upset each time I speak of this. It's not fair and if I closed an account down how was someone able to take money out of it and where is the camera showing it was not me who made any transactions other than walking in the bank to deposit my initial XXXX bucks when I opened the account. This is such fraud I've reported to FTA also to fifth 3rd who won't even respond to me other than say it was me. I need help this isn't fair and for once in my life can someone help me. Please
|
| 10/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I am still continuing to have issues with Fifth Third bank. I am beyond sick of issues and fees with this bank I called in because I was assessed two {$37.00} fees, and the guy couldnt even give me a clear answer at first as to why the fees were even assessed to my account because the one transaction he claimed that made my account negative was not the actual one so then he said it was two other transactions and it short my account was charged a {$37.00} fee for being overdrawn {$1.00} approximately and then a separate transaction for 10 or {$11.00} from XXXX I have been having continuous issues with the my advanced feature on the app not working and at the time I had more than enough funds to initiate the my advance feature which shouldve covered the -11 or {$12.00} on top of that I wouldve had up funds of the 11 or {$12.00} in my account if I did not have unauthorized transactions on my account that I had to file dispute for for companies charging me illegally without my permission Furthermore, I want to add that I did try to even use the 24 seven chat feature at Fifth Third offers, and I spoke with an agent who said that he was looking into the matter of the fees and the transactions, but never actually came back to respond to give me any account information for almost 30 minutes he kept reading my messages I said OK and read but the agent actually never responded. Ive been having nothing but customer service issues and overdraft fee issues with this bank repeatedly I always bring my account to the positive by the end of the day if my account is negative at all and if theres other ways that Im supposed to do that because once again, Fifth Third mobile app is not working and sending me messages saying that its not able to do transfers and so forth then what am I supposed to do? How am I supposed to know to go through other platforms on Fifth Third to fix their technical issues that keep happening, especially when the 24 seven customer support doesnt provide any help
|
| 08/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Dividend Finance has submitted to the CFPB, multiple times, a document they have been informed is fraudulent. To defend the fraudulent document they use the fraudulent document. I was not the person who filled out the DocuSign document that Dividend Finance is using to enforce the loan.
I do not have the item the loan is for. It never passed inspection because the contractor the Dividend Finance paid ( against my will ) abandoned the project and allowed the permit to expire after becoming unreachable to myself. They damaged my home and did not provide the service Dividend Finance paid them for, which again was paid against my will and consent. They never confirmed with me that installation occurred. They broke the law in my state initially just dispersing the loan without my consent. I then explained in writing through their website and through emails that I never accepted the loan or the terms and conditions of the loan. Instead of actually investigating this, they used falsified documents to pursue the loan further. Submitting a fraudulent document in response to me informing your company multiple times that it is fraudulent is not a valid response. In fact, it is illegal for people to submit falsified documents. Even though you work for the institution you can and should be held criminally liable. There is a thing, called a digital footprint and it allows things to be seen, like who's computer and device accesses things. Not only could you have properly researched the info I told you ( multiple times ) to see that this fraudulent document was not filled out on my device but inevitably when the FTC, SEC and other regulatory agencies review Dividend Finance they will see each one of you individually who decided, made the choice, to participate in this fraud. Lack of training is no defense. You are criminals and will be held liable. Use the internet and search about all of the individuals who participated in banking scams and were held liable if you don't believe me.
|
| 09/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received notification on my credit report that a new auto loan was obtained in XXXX. I contacted the reporting agencies and was advised I had NOT made a new car loan. The information was sent to the bank ( 5th 3rd Bank ). The bank responded the loan was valid. I then contacted the bank on XX/XX/XXXX and advised the fraud department the loan was taken out by another person with my same name but a different address and he used my social security number. The bank advised they would investigate.
The car was purchased from Off Lease and auto dealership. Someone with the same name somehow purchased the vehicle with my social security. They couldn't provide me with any information or a purchase agreement. Off Lease is located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I advised that I also had applied for a car loan via online in the past but never purchased a car.
I have since been in contact with the general manager of Off Lease ( XXXX XXXX - XXXX ext XXXX ) and he advised his legal team was working on it and he contacted 5th and 3rd Bank as well. They are under the impression this person somehow stole my social security number to purchase the car. I'm not sure if that is true or if Off Lease assisted in this illegal transaction. I am exhausted by the running around and investigating I have had to do. Someone needs to get this fixed and take me out of it.
The police won't file a report without documentation and Off Lease advised their legal team stated not to give me copy of the purchase agreement. I am still waiting on some answers from Off Lease and or 5th and 3rd Bank.
I am very concerned that my identity was stolen. I am not sure who is to blame but I do believe Off Lease may be involved in this case and I believe the person who purchased the car from Off Lease was aware he was using my identity to purchase the vehicle. I want this OFF my credit report. I am the victim here and there doesn't seem to be much concern about my life and the problems this has caused.
|
| 08/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a call today, XX/XX/XXXX, from someone calling from a " XXXX '' number stating that I was being sued. They stated they could not give me any information because they were only a process server and the file was sealed and certified. They attempted to verify my name and last 4 of my SS #. I told them that the name they were verifying was incorrect, but the last 4 of the social were correct. I again asked them for more information regarding the company etc. to which they responded they did not know but would connect me with the company if I wanted further details. Upon being connected with the company, they told me the call was being monitored and recorded for quality assurance purposes and attempted to verify my name and last 4 of my social. I again told them that they had the wrong name. They said they were a mediation service trying to serve me for a lawsuit, plaintiff being XXXX Bank. I asked them what the name of their debt collection company was and they insisted that they were only mediators attempting to locate me for the suit. I then asked them from what year is the debt, and they stated XXXX. I asked them why they were trying to collect on a debt that was more than 10 years old. They stated that they were not collecting on a debt, but only trying to notify me of suit. I told them that I had no knowledge of the debt, and then asked them what their address was because I would be filing a legal suit against them. The CSR told me XXXX, TX, and I asked if they were licensed and bonded to collect in Ill. They then stated that they did not have to be as they were not a debt collection agency. I again told the CSR that I did not have any knowledge of the debt. Upon further investigation it does look like this is a debt collection agency and that they are misleading with false misrepresentations about what kind of business they are operating. Furthermore, under the FDCPA laws they are not legally allowed to collect on this zombie debt of more than 10 years.
|
| 09/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
I have been using FIFTH THIRD BANKS online banking application to pay the majority of my bills. I schedule recurring payments months, maybe even the whole year at a time. Because my retirement check is automatically deposited on the first day of the month, I generally automatically schedule my recurring payments for the XXXX of the month. My recent XXXX recurring payments were automatically scheduled for the XXXX months ahead of time.
What I was unaware of is that the XX/XX/XXXX fell on XXXX XXXX. What I was MOST unaware of is that the bank would program their computers to automatically CHANGE the payment day of my XX/XX/XXXX payments BACK THREE DAYS TO XX/XX/XXXX and cause my XX/XX/XXXX payments to bounce and cost me {$140.00} in overdraft fees!
I was given no notice nor was I asked permission to change my payment date. The bank could just as easily have programmed their computers to move the payment date AHEAD to the next business day after I had scheduled my payment, XX/XX/XXXX. But it chose not to in a perfect example of uncaring greed.
Of course I called a Bank Service Representative and then talked to a Supervisor certain they would reverse the overdraft fees. They agreed to refund only half the fees, {$74.00}, citing the banks arbitrary policy of refunding only {$74.00} per year in fees, even if the fees are clearly wrong and unjustified. I might add the the banks Supervisor, who name begins with a V and ends in an A, was rude and uncaring. Whats the purpose of talking to a live person if theyre going to robotically cite arbitrary policy? And why wouldnt the local bank manager have the power to evaluate each individual situation for its merits?
For us, good, solid bank customers, here is our reality : I am terminally ill and bedridden, unable to even leave the house to meet with a new banker. Hopefully, we can find one to visit us at our house.
In addition, Fifth Third has stolen {$74.00} from me, money I need for my medical costs and prescriptions.
|
| 05/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Good afternoon.
I deposited a check in the amount of {$3600.00} to my Fifth Third Small Business checking account on XX/XX/XXXX. The funds were withdrawn from the source account on XX/XX/XXXX. Fifth Third has placed a hold on my check because they say my account has overdrafted excessively in the past. It is my understanding that they may choose to hold my check for up to 10 business days, but they may not draw the money from the source account ( a XXXX XXXX business account ) until they allow the check to clear.
I have attempted to contact Fifth Third business banking customer service on three separate occasions about this issue. The first time, I was hung up on directly after explaining my issue. The second time, I was transferred to dead air, where I waited for five minutes just to be sure someone was not coming on the line ( they usually have music or talking on the line if you are on hold ). The third time, the woman told me my phone was breaking up and she could not hear me - I was on a cell phone, true, but I had full signal ( 4 bars on my XXXX ) and I am doubtful about the veracity of her statement based on my previous experience using the phone in the area.
I would like to know if this is truly illegal, as I was informed that it is illegal by employees at XXXX XXXX bank when I inquired as to the status of the funds being withdrawn. I would also like to know if this is a systemic issue. I think it could be, because most of the time people who are told the hold on their funds is due to overdrafts in the past would be ashamed and would not pursue the matter further. Also, there is not usually clear communication between parties as to exactly what date funds are withdrawn from the source account. Finally, if this is truly the law, I think most consumers are not aware of it, as I was not until now and I consider myself fairly well-informed about financial matters.
Thank you very much for working with me to resolve this issue.
Kind regards, XXXX XXXX
|
| 03/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American |
|
XX/XX/, I am now speaking XXXX. I have had three codes sent to me because employees of Fifth Third do not know what they are doing.
I have been on the phone for 3 hours now. XX/XX/, a supervisor within 5/3 attempting to do the balance transfer but it was flagged because it did not recognized the employee of 5/3. This happened two more times on XX/XX/XXXX XXXX The representative in customer service was " passive '' and did not correct the amount. He stated a balance transfer of {$4100.00} instead of {$4200.00} so we had to do the it all over again with the Fraud Department. 5/3 does not have a code for customer service on the telephone who are helping customers do the balance transfer. This resulted in 3 codes from the Fraud Department. XXXX XXXX XXXX at XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX Then on XXXX XXXX XXXX at XXXX : XXXX XXXX messages sent to my number XXXX.
Three codes were sent as follows : XXXX ; XXXX approved for {$4100.00}.
This was approved. XXXX said it had not been approved. There is a recording where it was approved for {$4100.00} and your records can be secured by the court system. Approved on code XXXX for {$4100.00} is on record but the slow 5/3 employee did not know what he was doing and later changed it to {$4200.00} then problems again.
I have been on the phone for almost 3 hours now due to the inability of 5/3 bank to know that an employees of 5/3 in corporate 5/3 were the ones processing the balance transfer. The INTERNAL COMMUNICATIONS WITHIN 5/3 IS HORRIBLE.
3 HOURS WASTED.
STILL NO BALANCE TRANSFER. XXXX WOULD NOT LISTEN TO THE PROBLEM. I NEVER EVER WISH TO SPEAK TO HER AGAIN. I TOLD HER TO GET OFF MY PHONE THAT IF SHE KEPT SAYING THAT MY BALANCE TRANSFER WERE NOT APPROVED THAT I WOULD TAKE LEGAL ACTION. THERE WAS AN APPROVAL FOR THE CODE XXXX ON TWO ( 2 ) RECORDED LINES THAT ARE PERMITTED BY LAW. SHE, XXXX, HAS GOTTEN 5/3 IN A LOT OF TROUBLE BECAUSE SHE DID NOT LOOK PROPERLY AT THE RECORDS.
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My credit card debt was already settled with Fifth Third Bank on XXXX of 2018. However, it continues to negatively harm my credit score as " negative '' each and every month. ( See attachment below ).
In spite of me producing the below disclosure, FIFTH THIRD BANK, NA still has not deleted/removed the old and closed information from my report : FIFTH THIRD BANK, NA Acc # XXXX.
Late Payments : XX/XX/2018, XX/XX/2018, XX/XX/2018.
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX
|
| 03/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth Third began servicing my mortgage in approximately 2016. At the time the mortgage was originated, we had to pay PMI. We reached out to 5/3 and asked about the process to have it removed, and were advised that after a year of payments, we could request to have it removed. We paid for a year, and called to request to have it removed.
We were advised that we needed to pay for an appraisal to ensure that we met the LTV ratios. We did so. 5/3 sent an appraiser and charged us over {$500.00} for the appraisal. The appraisal came back, and our request to remove the PMI was denied. Apparently we were {$4400.00} away from the appropriate LTV ratio.
We made payments for another year. We contacted 5/3 and requested for the PMI to be removed. This time, we submitted an online valuation of our home. 5/3 again declined our request to remove the PMI, based on an even LOWER LTV ratio, and advised us that we should order an appraisal for {$150.00}.
I called 5/3 and said that I thought their business practices were unfair, deceptive, and designed to rip off customers and enrich 5/3. They charged us over {$500.00} for an appraisal, and a year later, they said that an appraisal costs {$150.00}. In the meantime, they continued to collect PMI from us, in the amount of approximately {$250.00} per month.
They declined our request to remove the PMI, and gave different standards and guidelines for removal each time, and different reasons for why we were declined each time. They also gave conflicting information on the cost of an appraisal.
5/3 had someone call me back, and I never spoke to this person. They left one message with me, and I have left at least 10 messages with 5/3 's requesting resolution of my complaint. I even requested an appointment to speak with someone because I could never get in touch with anyone. I have not received a response.
In the meantime, 5/3 has continued to collect PMI from us each month, even though we met the required LTV 2 years ago.
|
| 05/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
Please refer to my previous complaint ( XXXX ) I appreciate your help with this situation, I would like to make you aware of some additional information I received this week. This is the email I sent to Fifth Third Banks dispute department this week, see below : I was at the XXXX XXXX branch last night ( XX/XX/2021 ), I sat down and spoke with XXXX XXXX. We called the dispute team and spoke to XXXX together regarding this ongoing case. XXXX confirmed that this was not investigated properly and it was not looked into thoroughly and this case should have been cleared by now.
When I initially called in stating that I did not activate the card, I was asked if I had the card in my possession. At that time I was unaware that a new card had been issued and I responded that I had the card in my possession. The card that was in my possession was the expired card and I never received the new card in the mail. According to XXXX this may have been the root of the confusion regarding this case because they ignored why I initially called which was to say I did not activate the card.
XXXX and XXXX both advised that it was more than likely mail interception, I spoke to a detective at the XXXX police department and they are going to update the police report and inform the federal post office police of this possible mail interception as well as investigate the merchant that this charge took place at ( XXXX XXXX XXXX XXXX XXXX ).
What more was I obligated to do than to state that I never activated a card? At that point Fifth Third Bank failed to do their responsibility and they keep trying to make me pay this fraudulent charge.
The only charges that were incurred by me on that account was a reoccurring XXXX charge, therefore I had no knowledge that the card was going to expire. I don't understand how they are fighting me on a charge that is fraudulent.
Im sure I'm not the only one this is happening to with Fifth Third Bank and how they handle fraudulent activity.
|
| 02/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a notice regarding an escrow short fall. In that notice I was advised that if I sent a check to cover the short fall my payment would remain unchanged. The notice did not allow for any other payment method other than to send a check via USPS XXXX XXXX XXXX - I sent a check for the short fall which cleared 2 weeks later My mortgage amount changed anyway by an amount less than {$10.00}. The automatic payment is still unapplied.
XX/XX/XXXXAfter receiving numerous calls from Fifth Third with no response when I answer, I called and after being bounced around to several departments and spending over an hour on the phone, I was told there was a short fall of {$6.00} and if I made the payment there was nothing else to do. This amount differed by about a dollar from other communications I had with the bank but was assured that {$6.00} was what I needed to send them to clear up the problem.
XX/XX/XXXX Payment for {$6.00} appears online and is still unapplied. More harassing phone calls but someone finally answers when they call, I request to speak to a supervisor who assures me that the late charge would be waived once they confirmed the payment was received.
XX/XX/XXXXSeveral more phone calls from the Bank 's collection department and again, no one responds when I answer the phone.
XX/XX/XXXXI receive another phone call and after a long wait I speak to someone and request I be sent an email with the exact amount necessary to get the bank to apply payments. They refuse.
I now have a late charge on my latest statement and since the balance due on the statements has never meant anything in the past, I have no idea how much I really need to send them or what my regular payments should be.
There is no email or USPS mailing address on the customer service site so there is no way to establish a documented trail of the issues.
We ran into this sort of problem less than a year ago over {$0.00}. We have spent sever hours on the phone to no avail.
|
| 04/04/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I received an email in XX/XX/XXXX alerting me to potentially fraudulent charges on my card, and was prompted to select " Take Action. '' 5/3 shut off my card, but never contacted me or sent a replacement. A month later, after not receiving a letter, email or call, I called customer service to get a status, and learned they were waiting for me to resolve the matter, and lied about trying to get in touch with me. A very rude customer service agent was not helpful or pleasant and refused to give dates for times they attempted to reach me. I received a replacement card in the mail two weeks later that i never activated.
I decided to close out my accounts with 5/3 bank, and was met with rude and uncaring workers at my local branch. I requested assurance that my accounts were completely closed and there was no step left, or action needed on my end to finalize the process. I was condescendingly told that " they had done their jobs '' and that I was completely closed out, but that I should check on line if I did n't believe them. Once I got home from closing my accounts in the branch on XX/XX/XXXX, I saw that the replacement credit card and my checking account had been closed, but that the fraudulent card was still open, even though it should have been closed in XX/XX/XXXX. I called my local branch, which condescendingly told me that the account would n't officially close until Tuesday, XX/XX/XXXX, and when I questioned why XXXX was closed and XXXX was n't he did n't have an answer, but told me to check back on XX/XX/XXXX.
When I looked today, it was the same story, with the fraudulent card still being open with a XXXX balance, but the other accounts being closed. through back and forth via email, customer service told me that all of my accounts were closed, and when I asked about the fraudulent account, I was told that a supervisor would be reaching out by end of day, and still have not heard from anyone, by phone or email, and my account is still open.
|
| 03/11/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On today, Friday, XX/XX/2017. I went into the 5/3 bank to open myself a bank account. I bought in my two paychecks. At first I was told by the representative that I could not cash the checks because the signature from the XXXX, my boss, looked different. So, I called the XXXX. Then, I was told by your representative that because I called from my cellular phone it could not be used as a verification. So, I had them talk directly to the XXXX from the bank phone.
I was simply just trying to open a basic account. I am now working a very good job. I need a bank account. My son XXXX need direct deposit. I need a bank account. I am thinking, wow, finally my life is coming together. But, then, not only did your mean, disrespectful, harassing, and bullying representative hold one of MY checks and refuse to return it, but said that I would be opening two accounts that would incur ME fees. And, when I refused and said I simply wanted a basic account, I was told that it was too late because the paper work was already done and I was n't getting my check back. I could have ranted and raved, but in public, that would have been distasteful, and I was n't going to take a chance on being escorted out by security. This person had both MY checks. I decided to contact 5/3 corporate, because I want this matter solved. I have decided that I want to change banks. After this incident, I do n't think 5/3 is for me. I would like all my money back. Also, if there is a problem handling this matter then my Attorney will contact you. I am outraged. I am really outraged, but I am also trying to hold my disposition. Let 's try to resolve this matter as quietly and as quickly as possible. Please contact me at the email or number noted above. Also, as far as the representative is concerned I am hoping that some sort of discipline would suffice. I refuse to allow my sons XXXX to be handled by your bank. He would probably never receive his XXXX waiting on the HIS funds to be released.
|
| 10/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
I filed a dispute with Fith Third commercial banking. I noticed suspicious activity on my account. I had low funds and overdraft charges. I corrected that. But, I have no idea how much money is missing due to fraud. Then I noticed two unauthorized charges by XXXX pending {$5.00} which was cleared and pending {$2.00} which was posted on XX/XX/XXXX.
So, I filed a dispute on XX/XX/XXXX since Friday is my day off work. The Case Number is XXXX. The representative says " there will be a credit of {$2.00} '' ... until " the case is investigated within 90 days. '' But, I am more concerned about my financial safety.
Problem ( s ) : USPS has not been delivering my mail including bank statements and credit cards. XXXX account was recently hacked. I suspect someone has access to all that info. I called XXXX to file a complaint. The representatives there argued with me instead of actively listening, insulted my intelligence, and condescendingly acted like I don't know what I was talking about, then refused to assist after I could not provide the Fifth Third Bank XXXX previously connected to my XXXX XXXX transit account. I REMOVED ALL PAST CARD INFO FROM XXXX. I mentioned an old card number, however, it was the one ending in XXXX that I destroyed and closed out to have a new card reissued to me through the mail. The Representative says " XXXX XXXX was swiped to use the XXXX by accident. '' I do not like being lied to. I have been using my mother 's XXXX card and ordered XXXX XXXX to get to work on time and back home safely.
As much as I would like {$2.00} refunded back to my account, I am closing out the Fifth Third checking XXXX. I changed to a new account. I also requested to issue a new card be sent to the Fifth Third XXXX bank location within 7-10 business days. Since I have not gotten my mail in 30+ days from USPS ... I must request all financial mail to be picked up at the bank in person and held at the post office so that I can pick it up in person.
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| 09/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
Older American |
|
Several months ago I received a letter from Fifth Third that it had sold my mortgage to XXXX XXXX or XXXX XXXX Within that time period I was also having terrible problem with the way my mortgage payments were reported to XXXX. Fifth third stated my payments were supposed to be twice what I was paying which was wrong. I wrote to executive management, and the CFPB finally to get some attention. Whenever I called Fifth Third no one answered the phone and no one honored t
he THREE phone appointments I set up. Now I am attempting to reac
h out to them again because if my mortgage had been sold I need the new mortgage acct # so I may refer to it in my ins documents. I never received anything regarding that sale other than a brief letter.
This week I called my previous contact, XXXX ( XXXX ), THREE TIMES ( Wed, Thur and Fri ) to get assistance and left voice messages THREE times!! He never called me back. Today I then called 1 ) re-financing and 2 ) customer service, Refinancing DELIBERATELY hung up on me and the customer service rep was surly and condescending. He did state my mortgage had not been sold but I remember receiving the letter it had been!
I have also attached the third complaint letter I sent today to President and CEO XXXX XXXX, because I believe when I write my complaint letters to executive management they are intercepted and never shown to those managers. This could be considered an act of fraud, because egregious wrongs are being covered over and squelched.
In all, I have no idea who owns my mortgage and therefore how to manage it! I make my payments every month to Fifth Third Bank but I am very unhappy about all this.
Further, the general culture at this bank is corrupt, and this corruption is deeply entrenched. There is no reason for anyone to perpetrate these many abuses against my account or me. The corporate environment is one of predation and any opportunity these people have to abuse their customers, they will do it!
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| 03/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Since XX/XX/XXXX, despite making my mortgage payment, in the same manner and for the same amount ( {$2300.00} ) as I had for the previous 10 months, our mortgage provider Fifth Third Bank has incorrectly processed payments. This problem has now occurred in XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX and XXXX ( XX/XX/XXXX ). Each month the payment processing error is different and the problem has persisted, despite my filing XXXX complaints with the XXXX, monthly calls to Fifth Third bank Customer Service and several interactions with Fifth Third Bank 's Office of the President. I CAN NOT understand or fathom, how the bank processed these payments correctly 10 consecutive months in a row ( {$900.00} mortgage payment and {$1400.00} additional on the principal of the loan ) and suddenly not only ca n't process the payment correctly, but worse can not explain all of the errors. I have also filed a formal complaint with the Fifth Third Ethics and Compliance line on Monday XXXX XXXX, 2015 and have not even had the courtesy of a follow-up call. I find this practice unethical and likely to be occurring to other consumers who may not even be aware. I was provided this channel to file the complaint after reaching out to " XXXX On Your Side '' television investigative reporting, here in the XXXX, XXXX, FL area. I am hoping you can help, as the stress of dealing with these ongoing payment processing errors is now taking a toll on my emotional health and well being. I find this bank despicable. I have prepared and will be sending formal written complaints to the CEO of this bank and the Senior VP, whose name was on a form letter I received in XXXX, following a call from the Fifth Third Bank 's collection department on XX/XX/XXXX, informing me I had not made my XXXX XXXX payment, when in fact Fifth Third Bank had processed my check on XX/XX/XXXX, informing each of the persistent, frustrating and insulting treatment I have been receiving month after month.
|
| 10/12/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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In XX/XX/XXXX, I received a printed advertisement via US Postal Mail from Fifth Third bank advertising a {$250.00} checking bonus when opening a new XXXX Checking account and making direct deposits totaling {$1000.00} within 60 days of account opening.
I opened a XXXX Checking account online via XXXX on XX/XX/XXXX and made a direct deposit of {$1000.00} on XX/XX/XXXX, thus meeting the criteria for the {$250.00} checking bonus.
I contacted Fifth Third customer service via phone on XXXX to inquire as to when I would receive the {$250.00} bonus, however the customer service representative that I spoke with said she was unfamiliar with this promotion and " did not see any promotions on ( my ) account ''. I read her the offer code printed on the mailer I received ( XXXX ) and she was then able to verify the promotion and advised that there was a glitch in their system, but that I would receive the {$250.00} bonus by XXXX.
On XXXX, I had not received the {$250.00} bonus so I contacted Fifth Third customer service again, this time via online chat. The representative again told me that they did not see any promotions on my account. I explained that I had already spoken to customer service and determined that there was some sort of glitch in the system, however the customer service rep told me that since the promotion was not " showing on ( my ) account '' there was nothing they could do.
On XX/XX/XXXX, I contacted Fifth Third customer service by phone again. This time, the customer service agent told me that I would need to visit a Fifth Third branch for additional support. I do all my banking online, opened the account online, and visiting a Fifth Third branch would be inconvenient and I do not wish to pursue that option.
I assert that I have met all conditions of the offer Fifth Third sent to me, however by not paying the advertised new account bonus, Fifth Third Bank has failed to honor the terms of the offer they sent to me via US Mail.
|
| 06/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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We utilize a checking account with Fifth Third Bank solely to process our mortgage payment. We use an outside credit union for our day-to-day banking. We deposit funds into our 5/3 checking from our other account on a monthly basis. Because our mortgage amount changed due to changes in our escrow fund, our account with Fifth Third became negative {$6.00}. Once I realized this, I submitted a transfer from our credit union to Fifth Third that took 1-2 days to process. They charged us an overdraft fee of {$37.00} the night before our deposit posted to bring our account current. Because I do not regularly check our Fifth Third account, I did not know about the additional weekly overdraft fees nor did I ever receive an email notification regarding the fees being posted to our account. When I called to explain the situation and told the customer service representative that I made my account current as soon as I noticed it and if the initial overdraft fee hadn't been charged, then I never would've received any additional fees. They told me they could remove the {$37.00} fee as a courtesy and one of the {$25.00} weekly fees but could not refund the 3 other fees. My point was that, had they not charged the initial overdraft fee, the other weekly fees never would've happened. I even had alerts set up to receive via email. I am upset about the 3-additional fees they charged and refuse to refund because " it's their policy '' to only refund 1 per 12-month period even though I've been a customer in good standing w/ our mortgage for 13 years! The bank also returned my most recent mortgage payment because my account did not have sufficient funds even though I sent them my monthly payment due. But because of the weekly fees they posted, my account was below my mortgage payment amount so I had to go to a branch during work hours to make a payment to bring my account current and the branch customer service attendant couldn't do anything about the fees either.
|
| 07/05/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
About XXXX years ago, I modified my mortgage terms under the Home Affordable Modification Program ( HAMP ). XX/XX/XXXX I found out I would be eligible for a {$5000.00} credit towards my principal balance sometime during XX/XX/XXXX because I made all my payments on time. My mortgage holder is Fifth Third Bank, XXXX XXXX XXXX, XXXX OH XXXX. In a letter dated XXXX XXXX, XXXX, they informed me that the {$5000.00} credit would be forthcoming and that I had a choice of either shortening the remaining term of the loan or getting a lower monthly payment, and that the offer expired on XXXX XXXX XXXX. I called them XX/XX/XXXX and told them I would like to elect the lower payment option. Their letter stated that the effective date of the payment change would be XXXX XXXX XXXX. In XX/XX/XXXX they told me that the paperwork had not been completed and I would have to pay the normal higher payment. XX/XX/XXXX they told me the same thing, and I again had to pay the normal higher payment. My latest monthly mortgage statements show that the {$5000.00} credit has been applied to the principal. XX/XX/XXXX I received another letter from them that required my notarized signature to amend the terms of the loan, which I returned to them last week. I called them and they told me I would not be able to receive a partial refund of the excess payments I made XX/XX/XXXX and XX/XX/XXXX, nor would there be any additional reduction in the principal balance for the excess payments. They have not given me a firm figure on my new lower payment, but I believe the total new payment for PITI will be about {$80.00} to {$90.00} per month less than the {$530.00} I have been paying the last several months. My payments are current and I have not had any late payments. I do not know if they will grant me the new lower payment this month ( XXXX XXXX ). I feel they are just dragging their feet on this issue to extract extra interest out of me because they feel they can get away with it.
|
| 12/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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I had {$800.00} stolen out of my checking account via ATM withdraws on XX/XX/2022 and another {$800.00} again ATM withdrawals on XX/XX/2022 via ATM withdraws that I didn't authorize. Fifth Third did reimburse me for the XXXX one but denied the second one in XXXX as I was informed that a pin number was entered. I had re-set my pin and whomever was scamming me was able to enter it. I asked if they could look at the ATM security camera to determine who made the withdrawals and I was told that the camera wasn't available. I then asked about the previous {$800.00} ( as if it's someone I know I wanted to file a police report ) but I was told that the security camera for that incident wasn't available either. I find that odd that two ATM transactions at 2 separate sites wouldn't have security cameras working. I even visited my Fifth Third Bank and asked if they could check the camera 's on site and was told no one at that site had access that only the corporate office would be able to view them.
Then on XX/XX/2022 was scammed {$290.00} ( my entire checking account balance ) via a XXXX transfer that I didn't authorize as I have never even had a XXXX account or app. I was denied a refund for that transaction as well as they said I was texted a number to verify. I actually was able to confirm a text was sent that day to my cell but I didn't see it. So upon researching these issues I think my phone was cloned but I don't know how to verify that. I read that text messages can actually be hijacked. I did close that checking account after the XXXX incident as someone obviously had access to it and I haven't had any issues with my new account as of today.
I did have credit card fraud as well, a substantial amount on various cards but I was reimbursed for all of these thankfully. I also found out that my information was found on the XXXX XXXX. So a few months ago I locked my information on all three credit bureaus and still have them locked today.
|
| 09/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I opened a checking account with Fifth Third Bank on XX/XX/XXXX and deposited {$250.00}. The bank was running a promotional offer which would have give me {$250.00} if the money was held for a certain period of time ( 60 days XXXX. Last week XXXX on XX/XX/XXXX or XX/XX/XXXX ) I called the bank to check if I had received the {$250.00} that was promised as part of the promotional offer. To my utter shock and disbelief, the bank said that my account had been closed because it had a zero balance for too long. When I questioned the bank regarding my deposit, the bank said that there were some transactions that used the debit card. Here are some of my key points XXXX. I had never received or activated my debit card. This is a case of my money fraudulently withdrawn from my account.
2. The bank did not have the courtesy to inform me that they were closing my account.
If you are wondering as to why I did not approach to resolve the problem with the bank then please see this below. My adult son XXXX XXXX XXXX - same address as me ) used to have an account with Fifth Third. All of his monies were ALSO fraudulently withdrawn from his Fifth Third account without his knowledge. He too never received or activated his debit card. XXXX ( my son XXXX received a treatment from Fifth Third that was less than respectful and he had to waste several days/hours for his monies. The bank kept saying that he had withdrawn - which was highly insulting & accusatory. He had to have many conversations with the bank and also had to file a police report. The bank did not want to assume any responsibility. He too filed a CFPB report XXXX # XXXX ) - which was eventually resolved. The truth is that Fifth Third has demonstrated lack of internal controls when it comes to managing new accounts. Two accounts in the household are now victim of their negligence. I DO NOT want to go through the same awful experience that my son did and I am requesting CFPB to help me here.
|
| 05/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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On XX/XX/2022, I wrote check # XXXX in the amount of {$2500.00} from my checking account with Fifth Third Bank. I put it in the U.S. Mail from my law office. I check my account online daily, and I noted that this check cleared my account ( and the funds were deducted from my balance ) on or about XX/XX/2022. ( The bank records indicate that this check " posted '' to my account on XX/XX/2022. ) I therefore did not pay further attention to it.
Several weeks later, the payee asked if I had sent him this check. When he said he had not received it, and I re-examined my account, I clicked the hyperlink that showed me the image of the check. The back of the check was indorsed by TWO people, rather than the single payee on the front of the check. I promptly reported this to Fifth Third and physically went to a bank branch to submit a fraud report on XX/XX/2022.
Since that time ( after many weeks ), I learned that XXXX XXXX XXXXXXXX had honored the check and was told that because XXXX had so many problems with fraud, it could take up to 180 BUSINESS days to resolve the issue and refund my money.
I have been in regular communication with the banker that took my fraud report. She states that she has no other information and could not give me any other person to discuss this with. I subsequently talked to her supervisor -- months later and after 6 telephone calls -- and she continues to give me the same information. She told me that this had been escalated again and that HER supervisor would contact me. He has never attempted to do so.
After six months of making this my problem, with no resolution in sight, I have been given no choice but to file this complaint. I previously informed all of the bankers that I spoke with that I would be doing so. No one has cared enough to return my call since then, much less resolve the problem. I have also informed the bank that I intend to file a Complaint in Small Claims Court, which I intend to do.
|
| 01/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
After paying an invoice of {$660.00} on XXXX XX/XX/XXXX for an escrow increase on my mortgage with Fifth Third bank, the monthly payment still slightly increased by {$43.00} from {$1900.00} to {$2000.00}. I incorrectly and admittedly sent in the prior payment amount of {$1900.00}, and Fifth Third accepted and deposited the payment on XXXX XX/XX/XXXX but did not apply the payment to my account despite receiving the payment on time. The entire principle and interest amount was correct. Only the escrow amount had to be corrected, and the escrow disbursement wasn't due for another four months in XX/XX/XXXX. On XXXX XX/XX/XXXX, I paid the {$43.00} via Fifth Third 's website the day after first getting a voice mail to return Fifth Third 's call on XXXX XX/XX/XXXX. To date, Fifth Third has refused to apply to my account the mortgage payment payment of {$1900.00} received by Fifth Third on XXXX XX/XX/XXXX or the additional payment made for the escrow shortfall of {$43.00} received by Fifth Third on XXXX XX/XX/XXXX. Rather, Fifth Third acknowledges both payments received constituting the entire new mortgage amount but continues to hold the payments without applying to my account and has advised they will be charging a late fee.
Fifth Third is choosing not to apply the payment they received and deposited without applying the credit to my account. Fifth Third was very prompt in notifying me of the issue with two phone calls, one to me and one to my spouse on XXXX and XXXX XX/XX/XXXX, but has done nothing since receiving the additional payment to apply the payments made to my account on XXXX XX/XX/XXXX, despite three subsequent conversations on XXXX XX/XX/XXXX. This is an example of a big lending institution working to intimidate me as a consumer, find an excuse to charge additional fees, and ignoring my immediate efforts as a conscientious consumer to correct a minor {$43.00} error while Fifth Third held a {$1900.00} payment already made.
|
| 12/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I spoke to a loan officer ant my local bank about a refinance of my mortgage. We started the process. I was told I would get an interest rate of 3.5 % and my closing costs would be financed into the loan. My officer would than ignored my repeated attempts to reach him. The original loan close date and rate lock date came and went, but the rate lock was extended by the loan processor. When my loan officer finally get back in touch with me he said the rate had gone up to 3.9 % and I would now have to bring {$3500.00} to close. I then reached out to his manager who said he could still get me 3.5 % but I would now have to pay 2.375 % in points in order get the rate that I was told I could have in the beginning and now I would have to bring about {$2400.00} to close. My credit has not changed over the 3 months that this process has taken. Interest rates have increased since I started this process, now I can not even go to another bank because of the time that this loan officer and bank has wasted. Because of this fact I agreed to proceed with the new figures to see what the final numbers would look like. Since then my wife received a student loan disbursement. We put most of it into our savings account. I had also been putting some money into the same savings account in anticipation of needing more cash to close. Now they are telling me that I can not use the money that I put out of our checking account into savings for my cash to close money. The amount of money I put up would be enough to cover the closing costs, even if we did n't get the disbursement. I feel like they are trying to discourage me from closing this loan because rates have gone up and they do n't want me to have the lower rate that I was promised in the beginning of the process. I also feel as though they have been deceptive from the beginning of the loan process. They keep moving the goalposts on me every time I meet XXXX of their requirements or agree to new terms.
|
| 02/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
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I wanted to make 2 transactions to move money to my Fifth Third Bank moving {$8000.00} from my XXXX XXXX XXXX and transferring {$5000.00} from my XXXX account both transactions were initiated on XXXX XX/XX/2023.
Before this I had completed the 5/3 external bank transfer security deposits so I could initiate both transactions via the 5/3 website.
A week goes by and the money isn't in the account and soon after they call me to tell that they couldn't verify the funds because they thought there was 'fraudulent ' activity despite me initiating the transfer via logging in and also completing the electronic small deposits.
By the end of XXXX after I had called every weekday, they opened a case to investigate. They told me that a third party operator has the money and it would be returned by the XXXX XXXX to the accounts from which they came.
On the XXXX XXXX {$8000.00} shows up in my XXXX XXXX XXXX, but nothing in my XXXX account. I check my fifth third account and the checking balance is negative- {$480000.00}, the balance should be {$0.00}- they said because the account has a hold on it - nobody told me I received no call to tell me that was happening or even a letter.
I called XXXX XXXX after waiting anxiously for the 5 business days to see if the money would show up in the account. But 5/3 told me that I have to contact XXXX to claim my money back?!?
They said that the third party operator who handles the money that is being transferred ( even though I initiated the transfer through 5/3 website ) might not be able to return the funds because of fraud.
I asked how I would go about doing this, since XXXX would not know anything about this case, and the 5/3 representative told me they didn't know or the name of the company that was handling the funds.
I am attempting to explain the situation to XXXX, but I am left in a situation of uncertainty with little to no help, in which I have to consistently chase answers from 5/3.
|
| 04/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Fifth third bank is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Fifth third bank to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Fifth third bank did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am requesting Fifth third bank to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be by email, mail, any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX ect.. This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this derogatory reporting removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} ) for every update, post, report made since its beginning.
|
| 12/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Older American |
|
We have a business checking account with Fifth Third Bank in XXXX, XXXX Their minimum balance for service fee waiver was {$25000.00}, which we maintained easily. However, in XX/XX/2022, they raised this minimum balance requirement to {$50000.00} ( a 100 % increase ) and the service fee was also increased to $ XXXX ( from a previous $ XXXX ). We did not receive proper notification of such action. While checking year end status of our business account, I noticed that there had been a monthly service fee of {$50.00} applied since XX/XX/2022 with a foot note stating the reason of us not having a $ XXXX average balance. We went through our XXXX mails and emails and could not find a notification of this change by the bank. So, we called the bank 's business customer service line and talked with XXXX and explained our situation. He insisted that a mail had been sent, we stated that we hadn't received such a mail and perhaps this could have been misplaced by the post-office or bank 's mail room. He only agreed to waive one month charge, leaving us with a {$100.00} service charge on our account.
following this we went through bank 's statements on their web portal. The first page of XX/XX/2022 statement was regular as before, but on the second page there was a notification of their intent to increase the minimum balance requirement by 100 % in XXXX.
My contention is that this was not a proper notification of such a monumental change in their business practice, where customers ' minimum balance requirement was to be increased by 100 %. There should have been an email or a regular mail in addition to notification to the customer during the first month of implementation that the customer is now being charge and should consider corrective action or move the account to another bank.
I consider it poor banking and business practice to sneak in a monumental change in minimum balance requirements by adding a page to monthly statements.
|
| 07/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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On XXXX at XXXX XXXX I called 5/3rd customer service number to discuss inaccuracies on my credit report. I spoke to a wonderful agent rep named XXXX her employee number is XXXX. I informed XXXX that I was reviewing my credit report and I saw some inaccurate info on my credit profile and I was calling to hopefully get a resolution. I informed her that I originally fell behind because my statement always came late. I told her I called in the past ( XXXX ) to get the fees removed because I could not afford the minimum with the late fees and other penalties. I called 5/3 several times and MULTIPLE agents told me that they could not help because my account was not delinquent enough. She agreed that was there business rule. I confirmed my current address ( XXXX XXXX XXXX XXXX, XXXX GA XXXX ) and she said that was the address on file. I advised her to look at my statements and she confirmed that the address on the statement was my previous address of XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX said she would have to do some digging about to why my statements have the wrong address. XXXX also saw that a change of address was submitted on XX/XX/XXXX. I moved to that address on XX/XX/XXXX.
I sent enrolled this account to XXXX XXXX in XX/XX/XXXX and she confirmed that 5/3rd set me up for credit consulting in their system on XX/XX/XXXX. I informed her that I simply want all they negative remarks removed from my account.
Today on XXXX XXXX returned called back to provide me an update and she said that she 5/3rd would not update the remarks on my Credit File because statements are not required they are a " courtesy ''. I informed her that according to the Fair credit act you are suppose to get a statement. She said 5/3 said no, it a courtesy. She encouraged me to dispute if I feel that 5/3rd is not reporting correctly. I still have late marks from late last year after I was approved for the program. They are not reporting correctly.
|
| 04/19/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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Hello, I have an auto loan # : XXXX with Fifth Third Bank ( 53.com. ) On XXXX XXXX I realized by checking my account on line that on XXXX XXXX this lender added XXXX charges of {$840.00} each, this as they stated was for the insurance coverage, which according to them I never had. This is the second time that this bank did the same to me ; the previous time was on XXXX XXXX . On Monday XXXX XXXX XXXX , I calle d Fifth Third Ban k loan department and they informed me they do hire a company that check insurances on cars called, XXXX XXXX XXXX XXXX XXXX . When I called XXXX XXXX to number XXXX a representative from this institution name XXXX told me that she was not fully sure that they had enough information about my insurance situation, but when they are in doubt they just informed that to lenders, since proof of insurance can not be proofed they assumed the car does not have insurance, then in this situation they had to report it to Fifth Third Ba nk. This is an unfair way of doing business because affects consumers. Last year on XXXX XXXX when this same issue happened I updated my home address, and today XXXX XXXX when I talked to Representative XXXX XXXX from the loan department, she stated that still the database shows my old address and that never got updated. Due to this issue the letter requesting proof of insurance this year was never sent to the right address, therefore I got never informed of such request. This bank is engaging in unfair practices in prejudice to consumers. Also the agreement I signed with the dealership has different rate and at the time I am paying 0.14 % more. XXXX XXXX XXXX , I emailed my proof of insurance to representative XXXX XXXX to email : XXXX XXXX XXXX , also expressed my concern about the rate difference, she stated that when my email is received do not expect a response because it may take some time to do research.
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| 06/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Complaint We applied for prequalification of a house mortgage loan in XX/XX/2021 with Fifth Third Bank and got an approval. We get services at the branch located at XXXX XXXX XXXX, XXXX, KY XXXX on XX/XX/2021, we submitted the application for the house mortgage loan ( loan app # ) and received denial based on a technical error on XXXX XXXX. We contacted the bank soon afterwards about the error and the bank acknowledged that this was a mistake that should be corrected, and we should be able to fulfill the criteria to receive a house mortgage loan before the closing which was scheduled on XX/XX/2021.
The bank officials involved in the loan processing endlessly and needlessly prolonged the process despite prompt submission of documentation and evidence from third parties and us about the error beyond the scheduled date of closing. During this period spanning almost 2 months, the banks officials repeatedly gave us false reassurances that the application will be approved leaving us no time to apply to other lenders. Subsequently, we were informed on XX/XX/XXXX via phone text informally that the loan is approved which was after the scheduled closing date. This left the parties no time to complete the transaction and sellers and buyers had to terminate the purchasing contract as there was no time to get the loan application processed by another lender.
We are concerned that this episode not only reflects incompetence and negligence on the part of the officials involved but at the same time may indicate a deeper problem of discrimination based on our XXXX and national origin despite fulfilling all the criteria to qualify for mortgage loan approval. This has created an emergency housing situation for our family.
We have been a customer of 53 bank for more than 10 years and have large sums in our account, with high income to debt ratio and excellent credit scores but have been treated by your institution in the worst possible way.
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| 06/30/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX XXXX, XXXX Fifth Third Bank 's mobile application notified me of a {$420.00} transaction that was NOT made by me. I immediately called the bank as prompted. While waiting 2-5 minutes for a bank representative - another transaction of {$210.00} went through. I was told the bank shut down the card for FRAUD and the representative " XXXX '' assured me there are no OPEN cards on my checking account. Because there are NO OPEN CARDS on my checking account I am blocked from accessing/monitoring my account for further fraudulent activity. I have no access to my money for 5-7 Business days until another NEW card is issued. I can not see MY account online or on the mobile application because Fifth Third Bank does NOT allow access to a checking account without an ACTIVATED card. I was blocked from my money by Fifth Third XX/XX/XXXX for a previous fraud dispute where the bank had issued & allowed multiple cards to remain open without my informed consent & knowledge. The bank response was a ponzi scheme/shell game of " you used the cards we issued to you so you knew the cards were open. '' Even when provided with bank paperwork that stated the 'old card would be deactivated when the enclosed card was activated ' the bank cited numbers and transactions to cloud the real issue of bank deception in our business relationship. I believed in this bank 's integrity until XXXX XXXX. I had been happily a Fifth Third Account Holder since XXXX XXXX. On XXXX XXXX, XXXX I was issued the new chip card by the bank. This was to make my account 'more safe ' ... I make very few transactions. I changed every password. I changed every pin. I have NO FAITH in business dealings with Fifth Third from this day forward. Clearly my account is NOT SAFE and now I am BLOCKED from monitoring my money ... BLOCKED from keeping MY money safe that Fifth Third has NOT repaired whatever BREACH prompted them to issue the XX/XX/XXXX Chip card that I did NOT request.
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| 10/31/2016 |
Yes |
- Other financial service
- Check cashing
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Web |
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I was inaccurately informed about how a bank was cashing a check of mine. I use a fifth third product, prepaid service called access XXXX. Fifth third sells this product but does not service it and fails to tell you this till something happens. I will at times cash checks and then put the funds into my XXXX access account, I had been told by 53rd that I had to cash the check and could not deposit it directly on to my XXXX access also since this was a product not serviced by 53rd I would be charged a check cashing fee. I agreed to a fee of {$4.00} and had been paying this fee each time I cashed a check to deposit it on to my card. This had been this way for over a year on this account.
On XXXX/XXXX/16 I had tried to cash a personal check and the teller at 53rd was trying to sell me on an account called express pay. The teller told me it would cut my check cashing fees in half and save me money. She stated it would be quick, I agreed to talk with a banker and switch thinking it would save me. The teller when ahead and cashed my check and charged me an {$8.00} fee for cashing. I did not know this till after she brought my cash into the banker office, she did not tell me the fee was {$8.00} and in the past I had never been charged this much to cash.
The teller was very rude and was the person who had pressured me into signing up for the express pay since it would " save me fees '' which it never did. I was inaccurately informed on the check cashing fee and was actually never given a fee amount before agreeing to allowing 53rd to cash my check.
I had in the past found the XXXX access product to be a scam sell by 53rd as they do not service the product and do not inform you this at the time of signing up. I have in the past dealt with fraud on my XXXX access and it took weeks to get refunded and my money to be released. 53rd fails to inform you that you have to work with a different party to resolve any XXXX access issues.
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| 05/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On multiple occasions, I have contacted FiFtH Third Bank and explained to them on the loan 's maturity date and that I have never missed a payment on the XXXX XXXX. I was told that they inherited the loan from the original loan agency that I purchased the vehicle from. Fifth Third Bank told me that forced placed insurance was added to the original loan and so that is why the loan was not paid off. I explained to them that I have always had my own insurance on the vehicle. They asked for proof from my insurance company and gave me an email to send the documentation. I emailed the statement from my insurance company that proved that I had insurance on the vehicle thus no forced placement was needed and the cost, fees, and any interest acrued should be removed from the loan. I have gone round and round talking to several different representatives yet there is no-follow up on their part and every time I explain this it appears I am explaining it for the first time and they tell me to send the documentation of which has already been done. I asked for a statement of all of my payments since the inception of the original loan and Fifth Third said they would send it three times yet I have not received this statement/documentation. One representative said, they would contact the original lien holder and get the statements from the start of the loan because First Third only had information starting in the fall of 2018 when they took over the loan. I am refusing to pay anything else as I have paid for the vehicle in full and have NEVER missed a payment. Again, I already had insurance through my personal vehicle insurance provider and proof was sent. Please help!!! Fifth Third Bank is running a SCAM and they keep giving me the run-around and refuse to provide me my title for the paid vehicle. I HAD NO KNOWLEDGE THAT FORCED PLACED INSURANCE WAS PLACED ON THE VEHICLE. THERE WAS NO LEGITIMATE REASON FOR THEM TO PLACE IT ON THE VEHICLE.
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| 01/25/2017 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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On XX/XX/2017 I received a notice from FIFTH THIRD BANK of an account overdraft. I was quite surprised because to the best of my knowledge all of the accounts I had at one time there had been closed and I have not received any communication ( either electronic, phone or post ) from them in the intervening YEARS until this notice. I went into the bank to discover that there were XXXX accounts ; XXXX checking for my then minor daughter who is now XXXX years old and XXXX savings account for her. When I sought to close the accounts I was told I had to make a deposit to each account to reactivate them before I closed them, and then come back. I did that. When I returned I discovered that the bank had been debiting XXXX accounts $ XXXX/month for at least two years -- maybe more, they would n't show me the records and I have no records of my own since I had closed the accounts ( or so I thought ). I asked for a refund of all the fees since I was never informed that ( 1 ) I still had XXXX accounts open ( 2 ) they were being charged monthly -- which would substantiate the fact that I did n't know they were still considered " open ''. The bank manager wrote his regional supervisor who approved refunding only $ XXXX/account, and yet I know that the accounts were charged in excess of $ XXXX/each, I do n't know the exact amount because I do n't know at what point they deemed them dormant and started charging the accounts. The savings account was my daughter 's birthday money, I thought at the time she could save it and perhaps make a little interest, as I did as a child. It never occurred to me that they could take her money away bit by bit. As it stands, I have no clear idea how much money was in the accounts before, and therefore I have no idea how much they actually owe my daughter/me beyond the remaining {$460.00} in the savings, they cleaned out the $ XXXX+ that was in the checking which is what triggered the overdraft letter.
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| 01/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The bank that I file this complaint about is Fifth Third Bank. They keep sending bills stating that the mortgage payments are being made late, but that's false. The mortgage - account XXXX- has been paid timely. The Mortgage Loan Statements that the bank sent the last 3 months keep showing charges of late fees. I've called the bank, and initially they kept saying that they will look into it, because I provided information of timely payments. When I called again today, because I received another statement, the voice recording stated that there isn't any customer service by phone, and that I shall text them instead. Their own Mortgage Loan Statements states the following on the back : " Give Us a Call : Customer Service Professionals are here for you Monday through Friday, XXXX XXXX. to XXXX XXXX ET .... '' I have reason to believe that : XXXX. Fifth Third Bank has no interest to look into this issue, and wants to keep unfairly and fraudolently charge late fees for prompt payments ; and XXXX. When a customer insists in clarifying the issue to put a stop to the fraud, the bank blacklists that customer to stop any communications with them, and doesn't even allow them to access the basis modes of communications ( by phone ) with the bank.
At last, another fraudulent practice of this bank is that, they cash payment, but they don't count as a payment if the payment is not exactly what the bill is. That's not a fair ; if a costumer makes a payment for a debt, the payment is credited toward the payment of that debt. No bank should keep a customer 's money earmarked as a debt payment, and not count it as a debt payment.
Again, the mortgage loan account XXXX is being paid correctly every month, and the bank should stop their fraudulent practice of charging late fees for prompt payment, of not applying payments cashed as payments to the loan mortgage, and of creating undue hardship for the customer to reach out to the bank.
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| 01/03/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Servicemember |
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Business Name : XXXX XXXX XXXX XXXX XXXX Name : Fifth Third BankXXXX XXXX Ohio ( Owns the bank ) On XX/XX/2021 I called and spoke with Representative # XXXX and told her I wanted to cancel my debit card. She asked had I been defrauded and I responded no. She said she would not cancel the card. I informed her that I am the owner of this company and this card, I do not want this card used anymore, All prior authorization has been revoked and therefore are no longer authorized to use this debit card and I want the card cancelled immediately. She said she cancelled the card and was sending the new card as requested. I agreed to pay {$30.00} to overnight the card so that I would have one for my account asap. I received the card the next day as agreed and immediately filed the card in a safe location and never used the card to date.
Today, I noticed a transaction on my checking account that was charged to the new card I never used. I checked mu account with the creditor and the old card number was on file, not the new one.
I called Fifth Third and spoke with XXXX, a manager in business customer service. She explained Representative # XXXX did not cancel the card as instructed. She replaced the card and transactions would go through with the old card number.
I am sending this complaint to you because Fifth Third has a history of unethical practices and routinely ignores the authority of the account owner and does at it pleases. The original representative # XXXX clearly did not want to cancel my credit card as instructed. Her personal preferences were used to control by account and my money. This is unacceptable and should not be tolerated.
While XXXX apologized, refunded my {$30.00}, has cancelled the new card and is sending another, this does not excuse the fact representative # XXXX acted inappropriately, she failed to tell me what she specifically did to my debit card therefore her actions were fraudulent.
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| 12/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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After solving my former problems regarding the accurate monthly payment amount and learning that the monthly payment due was {$960.00} I set up auto pay in XXXX of XXXX and was told that the first deduction will take place on XX/XX/XXXX. I mailed the XXXX payment and I called the bank at the end of XXXX to make sure the autopay was properly set for the amount of {$960.00}. I was told by Autopay customer service that everything was fine and that the amount of {$960.00} will be deducted on XX/XX/XXXX. XXXX.
When I checked my bank statement on XX/XX/XXXX I realized that instead of the regular monthly payment of {$960.00}, Fifth Third Bank Autopay had bill my account for {$1900.00}. I am enclosing a picture of the screen showing the deduction of {$960.00} for the monthly payment plus {$940.00} labeled " curtailment '' I never agreed to a " curtailment '' payment on top of my monthly payment. This deduction is placing me in as situation XXXX XXXX for the rest of the month. I have been trying to talk to 5/3 bank for the last two hours. The Autopay department never took the call after holding 20 mts, the Dispute department told me they could not do anything about this and referred the call supposedly to the mortgage department. I have been on hold for more than one hour and have not been able to talk to anyone.
I want the {$940.00} curtailment payment back into my account. If Fifth Third Bank is unable to keep is commitment and promises to bill only for the monthly payment due, I will be forced cancel this feature.
I am more than fed up with Fifth Third Bank. It seems that every month I have to experience some type of fraudulent behavior or am subjected to some type of XXXX XXXX that always ends up with me losing and they trying to take money that they are not supposed to take. Again, I need the curtailment money they took right now. For XXXX 's sake, it is XXXX and have lots of bills to pay!!!!!!!!!!!!!!!!!!!!!
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| 01/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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5th 3rd Bank bought the servicing rights to my loan early last year ( XX/XX/18 ). I was informed in writing that nothing else would change with the servicing of my mortgage loan. The prior servicer, XXXX, provided me with a written document of my escrow balance and the payments for the year prior to the sale. 5th 3rd should have received all this documentation during their purchase of servicing rights.
To my chagrin, I found out in XXXX that 5th 3rd had not paid my flood insurance premium in XXXX ( $ XXXX/yr ) even it was clearly part of the escrow balance documents. The way I found out about their error was that they called me in XXXX telling me it had lapsed. My discussion with them was that it shouldn't have been missed since it was their responsibility as the servicer to assure the escrow was properly handled. I immediately called my insurance company ( XXXX ) to find out what could be done.
During my conversation with my XXXX, they told me that my area had been re-rated by FEMA.. Because of the re-rating, I wasn't required to have flood coverage anymore and they provided me with the documentation. XXXX also told me that if I wanted to keep flood insurance my rate would drop to $ XXXX/yr. So I called 5th 3rd back told them that I didn't want the flood coverage anymore since it wasn't required and provided the documentation of FEMA 's re-rating. They then sent me a letter saying that they instituted flood coverage and the bill would be $ XXXX/Yr!
I have been diligent with dealing with 5th 3rd to resolve this issue, but they have not done so. I have all the documentation regarding this issue and provided those documents to 5th 3rd. They failed to service my mortgage escrow properly by not making the flood premium payment for 4 months and then they try to charge me $ XXXX/yr even though I am not required to have it anymore. Furthermore, I have told them that I did not want to have flood coverage anymore.
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| 06/05/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Application, originator, mortgage broker
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Web |
Older American |
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My wife and I believe we were denied an equity loan based on our age. Here is the story.
We bought a house in XXXX Michigan in XXXX of 2013 that had been foreclosed on by the XXXX. We paid the appraisal price of {$69000.00} for the house and financed {$55000.00} with XXXX. We put over {$30000.00} into the house completely remolding kitchen and bath ; replacing all cast galvanized water pipes with XXXX ; upgrading electrical ; new double steel insulted garage door ; installed covered patio ; restored outside sprinkler system ; new hot water tank ; all rooms were painted and the hard wood floors through the house were professionally refinished. Our house is now XXXX of the nicest in our subdivision and with a lot size of XXXX acre has the biggest yard. Comparable houses in our neighborhood which there are XXXX listed XXXX for {$110000.00} and the other for {$110000.00} neither have updated bath or kitchen. All to say our house would clearly appraise and sell for well over {$120000.00}.
We recently decide to get a home equity loan with 5/3 Bank. After XXXX or more weeks of just XXXX more document after another we were finally approved pending an appraisal. When we first met with 5/3 loan officer the first thing i ask was if the appraisal would be a walk through not just a drive by. We were assure XXXX that it would be a walk through so 5/3 could see all of the improvements we had made to the house. After calling several time the loan officer said the appraisal came in at XXXX therefor we could n't get an equity loan. The loan officer said yes it was a full appraisal. This was not true and i informed her that i was there when a guy came by and took some out side pictures. I ask him if he was coming in and he said no he was paid {$25.00} to take picture and that was all. 5/3 has refused to preform an appraisal even though they had promised to preform XXXX. We believe it is 5/3 way of discriminating based on age.
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| 01/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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On XX/XX/2022 I accepted an offer from fifth third for a balance transfer to the XXXX card with a XXXX percent interest for XXXX months, due to a processing error fifth third is now refusing to honor the rate.
In early XX/XX/2022 I had an issue with my autopay where it paid the balance on my fifth third twice, deducting the statement balance that I had already paid. This took a long time to resolve due to the unresponsiveness of the branch XXXX at that time, I subsequently stopped the auto pay on the XXXX card because of potential errors and slow response from fifth third. I paid off the balances prior to the transfers so there would be no interest or payment required for the remaining promotional period.
On XX/XX/2022 I received a notice from fifth third for insufficient funds, stating an auto payment of the full balance on my XXXX card can not be processed because it would overdraw my account for over XXXX to pay a balance that wasnt due for another XXXX months. I immediately contacted fifth third and was told the payment would be stopped. the payment ended up showing as processed then reversed even though there were nowhere near enough funds in my checking account to cover the payment.
After waiting over a week with no response and contacting fifth third again I was told by fifth third because the payment is perceived by their system as balance paid and new credit issued, they started to charge me interest on the balance transfer and theres no way to remedy the error and refused to honor the XXXX percent rate.
It's absolutely ridiculous to consider the return credit as new credit issued, I received email communication which i have can forward to you on request form fifth third clearly stating the payment was not made. So how can the act of correcting an error be considered a payoff of existing balance and new credit taken out if there were no funds available complete the payment in the first place?
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| 03/21/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX//2019 there was a concert that i wanted to attend so i went on XXXX to try and look for some tickets, some last minute deals, so i found this one that seemed alright. I contacted the seller through text and we started to just talk about the tickets, like what section, and stuff like that. I was ready to buy but before i sent any money i had him/her send me proof of their purchase or a order conformation number, which they did and they were bought through XXXX. i called XXXX to make sure that conformation number was real and he said that those were indeed theirs, so i felt alright. The seller then wanted me to send money through XXXX which my bank uses so i felt even better because i thought if anything goes wrong i can just get my money back. I sent them the money for the tickets, exactly {$120.00} for 2 Tickets, he/her was taking a little long to reply to my texts so i got worried. eventually he texted back and sent he sent the tickets to check my email, so i checked and the tickets were there and i felt relieved, i thanked them so much for it, they probably just laughed off how they just tricked me, anyways i get to the venue and i go to open my email for my tickets and i have an email from XXXX saying that the tickets that were transferred to me were not valid that the buyer bought them fraudulently and that the original order was cancelled, honestly i was mad and felt XXXX plus i invited my friend as a surprise and that was embarrassing. i tried calling and texting the buyer but i guess they blocked my number. i called my bank ( fifth third ) and they said they couldnt do nothing about it because its a 3rd party transfer, but yet they still use them and XXXX cant do nothing about it either because they dont offer fraud protection which i didnt know until now. so now i dont know what to do, in my situation that XXXX hurts i sacrificed it to be able to go to this concert but yeah its not cool.
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| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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On a shared credit card with myself and my XXXX there was accidental charges on a vacation overseas as 53rd now has designed their debit cards with a near identical design as their debit cards. As a result several XXXX dollars were charged on our credit card we had never used in the XXXX years we had it. This card was not linked to our online banking, which is how we do all our banking and bill paying. Despite being told by multiple people at the local branch, it is standard practice and policy to have all the accounts a client has under XXXX login profile, after XXXX visits there and several hours they were able to link it. This was after they reported missed payments to credit reporting companies, dropping my credit score over XXXX points from around XXXX. This will cause SIGNIFICANT financial hardship in extra cost of borrowing for future mortgages and loans, based on a missed {$600.00} payment I was not aware of, of which was paid in full the same day I was made away of it, not from 53rd but a credit alert from XXXX XXXX. By the time I was alerted of this, 53rd refused to correct this on reporting despite over XXXX years of on time payments and this being a result of a glitch in their technology ( which they actively push everyone to use ). This glitch in their technology is written off by them by saying they mailed statements, of which I have no confirmation we ever received, and their next measure was to have a XXXX party agency call my cell phone and demand I give them my Social Security and other personal information BEFORE they could give me any details on who I was giving this information to or what it was regarding. I think anyone with a hint of good personal security procedures would find this a grossly negligent method of attempting to alert a customer of a balance due that results in 53rd likely gaining extra interest and fees through a knowingly inadequate and dangerous method of collections.
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| 08/25/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I have an account with Fifth Third Bank. I checked my account and discovered that my student loan payment had gone through despite requesting a recalculation which typically results in the payment not being processed. This resulted in an overdraft and my account being - {$600.00}. I contacted the bank that financed my student and was advised of the process for requesting a refund. I was told that this could take up to 20 days. I immediately contacted Fifth Third customer service to ask questions about the overdraft and fees. I specifically asked if the fees were incurred per item per day the account is overdrawn. I was told that the fees were not assessed per day. I was told that of the {$110.00} in overdraft fees they would refund {$74.00}. I specifically asked that as long as no additional transactions would go through would I not be assessed any additional overdraft fees. I was assured that I would not. I checked my account today and I was charged another {$180.00} in overdraft fees. This time when I called the rep, I was told there were a total of XXXX items that cleared. I tried to explain to the rep that those transaction were conducted before the overdraft and most were pending when I spoke with the rep on the day prior. This rep stated that I had been misinformation the day before. Fifth third is no stranger to the CFPB for it 's misleading practices and deceptive fees. I do n't understand how XXXX reps working for the same entity can provide such different information. I explained that the overdraft was not my fault and I was not in a position to clear the overdraft before XXXX XXXX, XXXX. I have been a customer of the bank since XXXX and have been back and forth about their fees and policies for years. The one reason that I have yet to close my account is because of the fifth identity alert feature which provides some great credit monitoring benefits. But this is costing me more than it 's worth.
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| 10/17/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Coming into this branch I already experienced several problems with XXXX the banker who opened my account. Coming into the branch on Saturday XXXX XXXX at XXXX XXXX I came in and as always saw very friendly staff. I came and approached XXXX XXXX the teller and she informed me that my D.O.B. was wrong on my account so I had to speak with the banker who opened my account which was XXXX. I was reluctant to do so because of every experience I've had with her including one the previous week in which she called me with a nasty attitude and told me she pretty much was only calling because she had to.
I came into her office and she never once asked me for any identification even after I tried to present it to her. I find it very unethical and illegal for a banker to access my personal records and discuss my account without properly identifying who I was or accepting my identification. She was so rude as always I still never got my account date of birth fixed and its so disheartening to know great representatives of this branch from the security staff to XXXX XXXX the branch manager, XXXX a banker, XXXX XXXX, teller and the other tellers who are so professional and courteous even to rude customers are now seemingly over shadowed by this one banker who treats customers as she wants to and still is literally acting as if she is above the law by not verifying my identification. She has got to be the rudest banking rep I've ever had to deal with in banking. Horrible service from XXXX on a regular and continuous basis. She never even greets customers with a hello or goodbye or have a nice day or anything. She is always so informal and rude and I just have literally started to hate coming into this branch do to her actions and behavior that seems to go uncorrected because she is not being held accountable for her poor customer service.
This is in reference to the branch located at XXXX XXXX XXXX XXXX XXXX IL XXXX
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| 07/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Dear Sir or Madam : I opened a business account for Florida XXXX XXXX XXXX XXXX at the Fifth Third Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. This account was opened because they promised great customer service and a personal experience. Opening this account was a very long process that took well over a hour. I deposited {$60.00} into my account and was told they had all the information and paperwork they needed.
After opening the account, they informed me it would take 90 days to obtain a credit card, which was a large contributing factor into opening the account. I called the representative that promised the personal service. I called his direct number, and left a message for him to call. He never returned my call. I called the bank manager, and her supervisor, only to leave messages, and I did not receive a call back. At this point I decided to close the account.
I was finally able to take the time to go into the branch and close the account, only to be informed it was already closed. They closed the account without notification, sighting they did not have all the documentation they needed. I was told by the bank manager they would mail me a check within 30 days. The check did not arrive. I was told by the branch manager, that there was a mistake made, and I had to wait an additional 30 days for my check.
I am not sure of the exact date, due to not having any records of the account. I have repeatedly requested this information form Fifth Third Bank, they say they sent it, but I have yet to receive it. Additionally, they said three times, that they sent a check for the {$60.00}, yet again, I have not received it.
At this time, I would like to file a formal complaint, and request a check for {$60.00} plus interest. I am out a total of 4.5 hours of my time dealing with this. Please call me at the number below if you have any questions.
Thank you for your time and consideration.
|
| 11/08/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
My father purchased XXXX savings accounts for me and my siblings in XXXX and XXXX. He passed away in XXXX and had given the savings certify ficates to my sister to hold for him.
My sister whom forgot about them, did n't disclose that we had them until this year.
Their have been XXXX bank mergers since the original opening.
I have contacted the current bank which is Fifth Third Bank in XXXX, Ohio Ohio. This bank has branches in XXXX, FL where I first began my search. The Original bank was called XXXX XXXX, with branches in XXXX, MI and in XXXX, XXXX XXXX etc when they were first opened. This bank was later merged with the XXXX XXXX XXXX.
I believe in XXXX XXXX XXXX was merged into another bank named Fifth Third.
My sister and I whom is a senior citizen also, went into the XXXX XXXX, MI branch to cash them. They said that they would check it out with their main office, as they had no record of our CD 's.
I then contacted the main branch located in XXXX, Ohio and spoke to a spokes person there for several weeks. I sent into then a death certificate of my father and copies of the CD 's.
The answer from them was a dead end. They accused me or a family member of cashing them in, which never happened.
My attempts have been endless either online and going into Fifth Third Branches in XXXX, FL where I now live.
My sister is XXXX years older than myself and has XXXX.
I do n't know what do at this stage after endless attempts to cash them.
The bank has stated to me that the CD 's are worthless, and to rip them up. This a ridiculous statement to make to a citizen of the USA, and to be allowed to get away with this.
My brother, has XXXX who I 've tried to include in my inquires.
Hopefully, your department will be able to research my CD 's and retain funds after 33 years of opening them from my father.
Hopefully, here I will be able to fill out the correct directives required by your department.
|
| 06/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
XXXX of XXXX : XXXX XXXX XXXX, VIN # XXXX was purchased from XXXX XXXX in XXXX, California. The vehicle was financed with Fifth Thirds Bank with co-borrowers. XXXX of XXXX : requested a payoff amount and paid off the loan. Title for the vehicle was issued to the co-borrowers jointly. XXXX of XXXX : Title was changed to the primary owner/driver of the vehicle. XXXX of XXXX : Fifth Thirds Bank alleged that the loan was not paid off and that the co-borrowers were in default of the loan. No contact or other demand for payment had been made with or to either borrower between XXXX of XXXX and XXXX of XXXX. Correspondence from Fifth Thirds Bank reflects no late charges or other fees for non-payment were assessed between XX/XX/XXXX, and XX/XX/XXXX. Bank began calling elderly co-borrower every other day at all hours of the day. Co-borrowers demanded supporting documentation regarding the alleged remaining amount of the loan and were not provided with any substantive supporting information. Borrowers offered to pay any balance upon receipt of substantive supporting information. XXXX of XXXX : Two 1099-C Cancellation of Debt forms were issued to the co-borrowers for the alleged remaining amount of the debt. Furthermore, the bank is reporting the debt as canceled and the account delinquent. Attempts to resolve the credit reporting through the dispute process have been unsuccessful. The Bank offered a solution in a prior complaint that was accepted on XX/XX/XXXX and the payoff amount of {$3600.00} was confirmed by XXXX XXXX along with promises of additional documentation from the loan file. However, they are now refusing to honor that confirmed amount to remove the issue from the credit report, are attempting to collect additional funds over the confirmed amount, and will not return attempts to contact them to resolve the complaint or to provide the additional documentation that was requested in XXXX.
|
| 07/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
A friend and I traveled to XXXX via XXXX XXXX in XXXX 2017. Her and I both visited a merchant on the beach selling photos and frames. Her and I both bought the same photo with frame for {$47.00}. We both swiped our cards and left the store. Upon returning home, I checked my bank statement ( my card was a checking account, not a credit account ) and was shocked to find the original and legit charge for {$47.00} but also an additional charge for {$240.00}! I immediately called my bank to dispute the charge, as there was no way I returned and bought any additional items. I also called my friend to warn her. This guy double charged her also and I have proof. Her bank reversed her charges, as did mine. But 2 months later, I receive a letter stating my request was denied as the merchant has sent in my signed receipt. I was shocked, as I know it could n't be mine. Impossible! ... When I finally saw the receipt in question, I was shocked! It is 100 % NOT MY SIGNATURE. I am floored my bank is accepting this and giving him my money. They say they want a copy of the original receipt for the correct charge of XXXX. Of course I do n't have that. I am NOT disputing the XXXX!!! The charge after the fact of {$240.00} is what I did NOT authorize. Plus, the receipt says XXXX pesos. That does n't even equal XXXX ... Please look at my signature! It 's been the same for years. And look at the forged receipt. Not even close! ... The " XXXX '' is wrong! The " XXXX '' is wrong! The 1st or 2nd " XXXX '' is missing! The " XXXX '' is a loop and never has been! The " XXXX '' looks like a 5th grader " XXXX '' ... My " XXXX '' has NEVER EVER been written like that! ... Please please help me!!!
100 % FORGERY ... I will swear my life on this! Plus, I have a witness that was stolen from on the same day and time!!! I have all proof ...
Also, I XXXX the merchant in question. Company and/or address does n't even exist ...
|
| 07/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage lender, Fifth Third Bank, has placed my home in foreclosure due to a force placed escrow in the amount on approximately {$1300.00} which I had no knowledge of. I was making my payments monthly to Fifty Third Bank and they were not applying my payments to my account. They served the tenants that are currently renting my home with foreclosure papers. i found out about this situation when my tenants notified my property manager that they were served. Fifth Third Bank should not have served an individual other than who they were supposed to serve. Upon inquiring about this situation with Fifth Third Bank, I was informed that My home was in foreclosure. When I asked why it was in foreclosure, since I had made my payments monthly. They said they sent me a check each month because they considered my payments partial payments because they did not include the escrow. I had no knowledge of the checks they sent or the escrow.after going over information, I realized, I had not received their correspondence because they had not included the correct apartment number. Now Fifth Third Bank says I am past due and in foreclosure status. To my knowledge I was not past due. They just did not apply my payments. They created this foreclosure by their tactics. This is a huge misunderstanding and I feel it should be reversed because this foreclosure status is due to an escrow I had no knowledge of and tenants should not have been served with foreclosure notice. I requested a meeting with Fifth Third Bank to discuss this in hopes to reverse this. They stated that they will email me to set up a meeting but have not done so. It has been 36 hours since my request to speak to the proper department to address this. I also asked for an address to make contact via mail so I can have written records and they said they could set up a meeting but did not grant me the meeting or mailing information I requested.
|
| 06/01/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2020 my wife and I applied for a HELOC loan with Fifth Third Bank at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Loan Number : XXXX. We met with XXXX XXXX filled out the application and were told they would contact us about the information they would need.
The following week I received the request and got all my information together and personally handed it to XXXX, she then forwarded it to the loan officer in the home office in XXXX, OH. This is were things started to go wrong, they needed one more document from my insurance agent which was forwarded to XXXX the same day they asked.
Shortly after this they start requesting the same documents that they already had, W2, XXXX XXXX, etc. On XX/XX/XXXX, again I brought all the documents that their Loan Specialist, XXXX XXXX says were missing. The following week she asks for more copies of W2 's, this would have been the third time. I questioned what was happening with my information as I was worried about where it was going and who had access to it. I was told not to worry about it. After voicing my concerns I was told they could not find out anything in a timely maner because XXXX XXXX was working from home and she has no telephone!
I called twice wanting to know what was going on, talked to XXXX first week of XXXX and also the local branch manager and she said she would call me back, but no call, it seems everything is up to MS XXXX who I think is the only bank executive in American that does not have a PHONE! I was told this by three employees of the bank and I just don't think this would fly with the bank management.
Fifth Third has had all the info they requested as of XX/XX/2020. As per ECOA guidelines I am entitled to an ruling on my application within thirty days. I feel because I questioned the security of my person information they have refused to process my application for a loan.
Respectfully XXXX XXXX XXXX XXXX
|
| 10/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/23 I received an overdraft notice alerting me that I had overdraft charges on my account I have included this notice in this complaint In this notice it shows a balance of {$200.00} The notice alleges that the XXXX charges that came in that, brought the account down to {$96.00} ; and then allegedly the XXXX XXXX PAYMENT FOR {$200.00} OVERDRAFTED THE ACCOUNT However in my account statement in online banking, that is also attached it shows this XXXX XXXX payment having been paid and an ENDING DAY BALANCE of {$1.00} These two different balances and accounting are in direct conflict of each other and both fifth thirds own numbers.
The account statement shows a very different balance than what fifth third alleges was the ending day balance that day. It does not show the bank paid these 2 incoming charges from the XXXX and thus when the XXXX XXXXXXXX payment came through, there was only {$96.00} and not enough funds, over drafting the account for that XXXX XXXX payment. This statement shows the XXXX XXXX payment was paid and posted, thus the overdraft charge and overdraft statement is incorrect and indirect conflict of the banks own account summary statement.
IF THE BANKS OVERDRAFT NOTICE IS CORRECT, AND THEY PAID THOSE 2 CHARGES AND THERE WAS NOT ENOUGH FUNDS FOR THE XXXX XXXX PAYMENT ......
WHY WAS THE ACCOUNT OVER DRAFTED THE FOLLOWING DAY FOR CHARGES THAT WERE SUPPOSEDLY PAID ALREADY??
THE BANK DEDUCTED PENDING FUNDS WITHOUT APPLYING THEM IN ORDER TO REORDER POSTING ORDER AND MAXIMIZE OVERDRAFT FEES AGAINST CUSTOMERS THESE FRAUDULENT PRACTICES OF THE BANK HAVE SET THE ACCOUNT NEGATIVE AND CREATES A DOMINO EFFECT OF NEW DELINQUENT FEES.
EMPLOYEES OF THE BANK AGREE THE ACCOUNT SHOULD NEVER HAVE BEEN CHARGED THE ORIGINAL OVERDRAFT FEE FROM XXXX XXXX.
HOWEVER THE BANK 'S FAILURE TO REVERSE AND CORRECT THESE ORIGINAL ERRONEOUS FEES IS CREATING NEW COMPOUNDING FEES.
|
| 09/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
XXXX this was closed out but out of all the documents that were posted not one of them pertained to the fact that I was approved to receive my payment for {$2000.00} for fraud on my account, but they have not sent me a check for the claim that I was approved for and I was told by one of the customer service representatives that changed my address to the correct address last week that fifth third bank sent my check to the wrong household and someone cashed my check because they were saying someone went inside the bank with a no hair on their face no covid mask that surely was not me because i wear a covid mask daily and I also have a beard they did not have anyone like me inside that branch cashing a XXXX check yet when they saw that I had a beard they refused to allow me to see the footage when i was sent into the branch to so-called see the footage the ladies refused to let me see it because they knew it was not me... next thing on my account they had notes of some real discrimentation leaving comments like my skin XXXX and beard was fake beard and fake hair they have never seen me a day of their life and surely don't have a fake beard this was an attempt to not satisfy a claim after I was approved for ... I have a letter that I received with no check and I have been calling about this issue for the past 2 months yet I have not received a check to clear this account, cause it's getting to the point that I need to be compensated for all of this they have sent me through so they would not pay me the amount for the claim that I was approved for and I am owed I hope this gets resolved quickly because if it doesn't the bank will need to compensate me, especially with my house close to going into foreclosure because of this issue that the bank has sent my check to the wrong person and have not corrected this issue since I first told them i havent received my money over a month ago.
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Fifth Third Bank is using an autopay system which does not conform to industry standards, and does not indicate its shortcoming. Using their website or app 's autopayment option, selecting monthly recurring payments, and then selecting " Current Balance '' should typically pay whatever your balance is each month. For Fifth Third, it continues to pay whatever your balance was on the date you set up the autopay, without adjusting for new balances each month. This leaves clients thinking their payments are being made, when in fact they will not be if your balance goes up at all. This is at best simply not meeting the industry standard, and at worst is predatory behavior, as Fifth Third does not notify you of delinquent payments/accounts. I have found multiple Fifth Third users online complaining of the same issue.
I received no email, letter, or call to tell me that I was delinquent on payments, despite an agent telling me on XX/XX/2020 that I should have been called every single day that I was delinquent. On XX/XX/2020, I was also put through to a supervisors voicemail with the understanding that I would receive a call back within 3 days regarding my issue, but never heard back. On an earlier call on XX/XX/2020, an agent spoke with his supervisor and told me they would remove the late reports from my credit reports, but then did not follow through. After the XX/XX/2020 call, the bank did, however, refund the late fees, which is not what I had requested. My credit score has dropped over 100 points, despite good faith efforts to make all of my payments on time.
Because Fifth Third 's system is working as intended, they will not remove the delinquent records from my credit reports. The issue, however, is that the system itself is flawed, misleading, and predatory. I would like these delinquency reports to be removed from my credit reports to all major credit reporting agencies.
|
| 03/17/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
We have experienced an issue with someone having obtained and used our social security numbers to open bank accounts and apply for credit cards. Accordingly, we have filed a police report and notified the credit agencies and initiated fraud alerts. Most creditors have acknowledged the fraud alerts and contacted us before any charges could be made and promptly closed the accounts, or ceased processing. Unfortunately, Fifth Third Bank seems to be the most lax in verifying identities and resolving disputes. They had allowed a checking account to be opened with a token balance and immediate overdraft without contacting us and now seemingly have approved another account ( XXXX ) in our name that we did not apply for. Their fraud department is very difficult to deal with and we find it very troubling that they would allow a second account to be processed after the first event where a checking account was fraudulently opened for {$63.00} and they gave the imposter XXXX initial blank check which they promptly used to overdraw that account. We were able to close out that checking account weeks ago and received verification from Fifth Third just about XXXX days ago that it was investigated and resolved and that we had no liability. However, today we received yet another notice from Fifth Third of a XXXX Account opening and notice of change of home phone number, which again was done fraudulently and with out notice despite having experienced the prior fraud issue. We believe that Fifth Third is not doing their job in verifying identity as required by Federal law and are not being cooperative in preventing the opening of fraudulent accounts or resolving those disputes effectively. After experiencing their weak efforts and response to our identity theft issue I would never voluntarily deal with them for any banking services and would recommend others to think twice before doing so as well.
|
| 08/16/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Sir or XXXX, A solar company named XXXX XXXX XXXX with XXXX XXXX XXXX committed fraud and left us with incomplete systems that are inoperable or seriously under performing on what was promised and contracted. XXXX XXXX filed for XXXX in XXXX now XXXX XXXXXXXX XXXX was acquired by Fifth Third Bank on XXXX XX/XX/2023. The system contracted was supposed to be net XXXX for my property and receive credits from the electric company. My last electric bill was {$180.00}. Now we are stuck with systems with no warranty, no XXXX service, and monitoring. We all have loans exceeding $ XXXX and monthly electric bills that have not changed since installed. My electric bills for the last year are almost exact to what they were prior to having solar installed. XXXX XXXX still owes me four SMMS boxes, blow-in insulation for two attics, and compensation for an employee falling through my ceiling destroying my foyer and living room. We are now forced to keep paying a 20-30 year loan and monthly electric bill, file XXXX, or destroy our credit. It is currently effecting up to XXXX customers across 20 states. I filed complaints with the State AG, Congressmen, and Senators.
XXXX continues to call and tell customers to have XXXX XXXX XXXX fix the system which is impossible. Solar companies do not want to touch these systems do to the XXXX, poor installation, and faulty equipment. We were told with the solar tax break we would receive XXXX rebate to put towards the loan. This was a absolute lie and now raised the monthly payment from {$290.00} to {$930.00}. XXXX stated they will not come and remove the faulty equipment from our properties.
If you and the credit agencies could look into this, and prevent it from happening to great Americans in the future it would be appreciated.
Thank you for your time. If you need any more information I can be reached at ( XXXX ) XXXX, or XXXX.
XXXX XXXX XXXX
|
| 03/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX I took out a mortgage with Fifth Third when I purchased my house. In XXXX I took part in the XXXX XXXX XXXX XXXX. The loan officer I was working with indicated that a value on my home wasn't needed as Fifth Third Bank had previously closed my loan. In XX/XX/XXXX, I contacted Fifth Third Bank to inquire about my PMI still being on the loan. My original purchase price value was {$150000.00} and I was well under 80 % LTV. I called by phone to Fifth Third Bank and they required that I send an email. Upon sending an email they never got back to me even though I received a confirmed response from Fifth Third. I inquired in XX/XX/XXXX why PMI was still on my account and they advised they mailed something to me back in XXXX. I advised I never received and they didn't offer to send it to me. I find it interesting that they require I communicate by email but then they change the way they respond. They advised my request was denied for PMI removal as a widely inaccurate AVM was pulled in XXXX with the HARP program. My house has a XXXX SEV of {$100000.00} so my value is clearly above {$200000.00}. Fifth Third advised the only way to remove the PMI was to get an appraisal since the AVM was {$130000.00} in XXXX. I inquired about the use of an AVM and they declined. I feel it is unfair that a lender can use an AVM but a borrower can not for similar purposes. I inquired about a value disclosure with my XXXX refinance and Fifth Third was unable to provide one. I'm asking the CFPB to find Fifth Third Bank responsible for employee loan officers who made incorrect statements, constantly changing the communication method making it difficult for borrowers, unfair practices with using AVMs and not allowing borrowers to do the same, and not escalating my concerns within the company. I would like my PMI waived effective XX/XX/XXXX and Fifth Third to pay me for the months I've had to pay PMI.
|
| 03/23/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
I want to know what type of mortgage loan I have since I was denied FHA insured due to Fifth Third Bank submitting the incorrect appraisal? I want to know your originated guidelines with FHA and MSHDA key to own homeownership program? Your original statement you received a inspection report saying the sink was leaking and later saw it was from my previous address I rented and not purchased. I call XXXX XXXX representative of fifth third bank in the mortgage department why you realize after you responded XX/XX/XXXX. I made my complaint XX/XX/XXXX. Two weeks later XX/XX/XXXX it was use for part of my loan process of proof of residence. When I provide proof of residence with my utility bills. XXXX XXXX the underwriter email me stating the landlord didnt give reference and hung up the phone with no explanation. She was upset because I lived there 7 years in the condominium the lender said itll be a problem with sold as is but I got a flipped property sold as is with all the safety and conditions ongoing issues. Im confused with the FHA guidelines and your guidelines? What is your guidelines for the home and consumer as myself? Why I have to file a complaint on why I was rejected with FHA? You stated my loan is service in accordance with FHA procedure? Is that lawful and how with a newly loan? I know my guidelines to receive assistance but what is your guidelines to give assistance? Why I cant speak to nobody in the mortgage department but XXXX XXXX? Before everybody was giving me the run around before I filed an complain with CFPB? Like my mortgage account is flag? One year later I received an answer of the letter or miscalculation or documentations or repairs during the routine review dated XX/XX/XXXX but thats not true because you stated XX/XX/XXXX. I was denied two weeks after closing? In your response? Im so confused with your statements. Can you please answer my questions!
|
| 02/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
I am submitting an email with the details of incident of fraud, theft, cyberattack on my company XXXX XXXX XXXX XXXX. On the XX/XX/XXXX2022 my email at XXXX was hacked XXXX ET. I began receiving emails from clients and colleagues that they were receiving emails from with a link to website to pay a bill. Of course, I apologized and changed all my passwords etc. I learned the on XX/XX/XXXX2022 there had been XXXX logins to my email from California, Oregon, and Rhode Island. With the instructions and support of XXXX, I went in and logged off of my email from all devices and reset the password again.
As it turned out, the hacker was impersonating me with an employee at XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX handles bill payments for XXXX In Charge. On Friday, XXXX/XXXX/22, I logged onto my bank and saw there was payment made to XXXX XXXX for {$40000.00}. I immediately asked XXXX what was this was for and she said that is the payment you asked me to make. She said she had an email from me ( see attached ). I had not sent her an email and nor authorized such a payment I asked her to send me the emails. She sent me the emails to XXXX and when I opened them, they deleted themselves. She proceeded to save the emails as PDFs.
It turns out hackers had control of my email. This is when I contacted XXXX and logged all devices off.
I contacted my bank, Fifth Third and opened a claimed. Since it was XXXX hours later, they would not assist me with getting the money back from XXXX XXXX since it was past XXXX hours. I reported the problem to XXXX XXXX and they told me all they could do is research the account.
Since XXXX is the employee of In Charge Accounting Services and made the payment as result of this hack and fraud, I would like to submit a claim of the crime to the policy of In Charge Accounting Services.
I am in the process of contacting the FTC to report the crime and fraud.
|
| 05/22/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have a HELO with Fifth Third Bank. It is setup, as mandated by the Bank, for automatic interest payments to come out of our Fifth Third checking account every month. The bank required us to open the checking account for the HELO loan - it was mandatory for the HELO terms. The bank also said that ONLY interest will be taken out each month from the checking account, and that we would need to make a separate principle payment IN ADDITION to the auto withdraw.
Each month, I make one or two PRINCIPLE ONLY payments. I clearly note that it is principle only and I use Fifth Third 's online payment, by selecting OTHER PAYMENT option rather than the Regular Monthly Payment ( which is interest only ) and in caps in the memo I clearly specify that it is Principle Only. The Regular Monthly Payment Option is only for interest, and is not selectable since I have the mandatory auto pay from the checking for that interest payment.
I called the bank and they refused to reapply my PRINCIPLE ONLY payment to the principle. They said I would need to call back in 10 business days and make another request.
This is a common practice of Fifth Third bank and has been going on for over three years on both my mortgage and on my recent HELO. This banking practice makes it very difficult to paydown the balance and this practice should be illegal.
After a second call and a conversation with the Supervisor, I was finally able to have them curtail the payment to a PRINCIPLE ONLY payment. However, the XXXX said that they DO NOT take early payments. Fifth Third does not allow you to pay your mortgage payment ahead of time. So if I wanted to pay XXXX and XXXX mortgage payments in XXXX, I can't do that. If I want to pay my principle on my HELO down before they deduct the interest, I can't do that. THIS BANK MAKES IT IMPOSSIBLE TO PAY PRINICPLE DOWN EARLY on HELOs and to make advanced mortgage payments.
|
| 02/27/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
on XX/XX/XXXX i spoke with someone in the escrow department of fifth third bank. After a long discussion i came to the conclusion that i would cancel my escrow account as i do not require one having a VA loan. the person i spoke with said i needed to send them a letter stating i wanted to be removed from escrow. I hand wrote a letter and faxed it to the number given to me by the person in the escrow department. On XX/XX/XXXX i called to find out the status of my escrow account, and be sure that they were closing it and sending me the balance. I was told by someone different that they did not have the fax, that it would be another 24-48 hours. So i called back on XX/XX/XXXX to check on the status, and was told again by someone different that they could not locate my letter and requested i email it to her specifically and she would resubmit it and it would take another 24-48 hours from the time she submitted it.
Totally irritated now i called back and got someone else again, and she told me they found my fax, and they just opened the case. and it would be resolved by Monday the XX/XX/XXXX. and not to send the email as it would prolong the case. I called again to verify the case was resolved and my escrow was closed and the balance was sent to my house. I got someone else again, telling my they are waiting for a fax that i was told not to send and nobody is even looking for the fax what happened to it or wanting to resolve this issue. There are no contact information for the corporate office, so there is no way to contact anybody that might even consider helping resolve this issue. and every time i call back i get someone different and a new story.
i want my escrow account closed, the balance sent to my home address and a new calculation for my mortgage without escrow and the coupon sent to my house.
if they cant handle that I may be forced to take my mortgage elsewhere.
|
| 09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I had a mortgage with MB Financial from XX/XX/XXXX-XX/XX/XXXX. During that time, they erroneously reported my mortgage as late twice. The first occasion was 60 days late in XXXX and XXXX of XXXX. I have always had auto bill pay, and have record of all on time payments. During the time period in question, I was notified halfway through XXXX that my payment amount had changed by {$12.00}. After numerous calls to the company, they were unable to confirm why that was. A week later I received a notice that I had a late fee due to non-payment. They told me that because the payment was short that {$12.00}, the deducted the entirety of my mortgage from my escrow account, and did not apply any of it to my principal. While I found this ridiculous, on XX/XX/XXXX ( within 30 days ) I paid the entirety plus fees. I was, thus, never late. I have all statements to prove as such. I have reported numerous times and it remains on my credit.
Additionally, in XXXX of XXXX I was amidst a refinance which I thought would be done by the XXXX, leaving me with no payment. When it took longer, I paid it mid month ( the XXXX ). Nonetheless, they reported me 30 days late. I called them immediately when I saw this on my credit, and they assured me it was an error and would remove. I have two letters stating as such. They assured me they reported this to every agency, but that they did not receive a response.
In XXXX, they were purchased by another bank. This bank has also notified all credit reporting agencies that I was not late in EITHER instance, however as of XX/XX/XXXX only XXXX had responded.
I am requesting that this be investigated. I have proof that all payments were on time, and have letters from my original bank stating that this was in error and that they had notified reporting agencies. I have submitted this documentation every time I dispute. XXXX never even opened my claim.
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| 09/21/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I had a dispute over a wire transfer over the XXXX XXXX weekend with 5/3rd Bank for the amount of {$1500.00}. I immediately called the Dispute Department and signaled Fraud. I was advised from the dispute department to call XXXX XXXX XXXX where the transfer was sent. XXXX indicated that the information could not be shared of where the funds were transferred. As it turned out, I did not get the funds back. According to FBI reporting on wire transfers, as time drags out the less likely you will not recover your funds. An increase of wire fraud had increased over the last few years.
I did not get a Field Investigator assigned until weeks later who was XXXX XXXX. His phone number is XXXX. I also filed a police report. XXXX shortly after took a vacation and when he promised me he would get back regarding the status of my case ; and I did not get a response over several calls. I also filed a complaint to recover my funds to the Loss Prevention department through XXXX XXXX who is a Bank Manager. I discovered on XX/XX/XXXX when visiting a local branch without notice that my Loss Prevention Claim was denied in XX/XX/XXXX under Dispute # XXXX. I even suggested to XXXX should I report this to the FBI and he said no he can handle my case.
This transaction was part of the Bank 's Negligence writing that my transfer was due to health care reasons and dragging out an investigation. I hope that CFPB can resolve this matter with a Bank for once because I am filing a Civil Suit against 5/3rd Bank for more than my losses if my {$1500.00} is not reimbursed. I am getting tired of Banks getting away with misconduct and not recovering losses when Banks do have insurance. I have had a couple bad experiences with Banks not covering check fraud, and other related issues ; and I am not letting this issue go because I do not want other victims/consumers to encounter the same problem.
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| 01/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
Servicemember |
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On XX/XX/XXXX I called MyXXXX card to report that my card had been damaged. I specifically stated that my card was NOT lost and had never been out of my possession and I needed a duplicate card sent. I made sure to let the representative know before that my direct deposit would be coming there and I did not want to cancel the card if that is what they had to do because it would leave me without access to my money for 14 business days. She assured me it wouldn't and that a replacement would be sent out. I followed up on XX/XX/XXXX because I had not received the duplicate card and I was informed that the card was reported LOST not damaged and I would now have to wait for a new card with no access. I asked to speak to a supervisor and was transferred. The supervisor advised that he could send out a card overnight to me that day. I asked specifically if the card would go out the next day because now I have no gas and no way to get to work. He advised that it would. He lied because I chatted by the app this morning and the representative lied and said the card wasn't even processed to go out until tomorrow. I called and requested a supervisor and He said that the card had been processed today and would go out in 1-2 business days, which is not overnight. They had repeatedly given wrong information when had I known the correct timeframes, I could have done an ACH transfer of my funds to another card to at least have gas money and food. They have done this deliberately by giving knowingly false information. The first supervisor neglected to tell me that I had called past the cutoff time of XXXX XXXX for the card to go out that day. Had he given me the correct information I could have initiated an ACH transfer out and I would have had money in my credit union account at least by Friday morning and only miss one day of work. As it stands, I will miss four days of work.
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| 07/05/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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My uncle has been a Fifth Third Bank member for many years. He has kept about {$500.00} in his checking account and over {$12000.00} in savings as of XX/XX/XXXX. The bank has a so-called courtesy transfer so that his checking account is kept current in order to pay any checks when his balance goes below zero. He has been paying his bills through the checking account. His income comes from Social Security ( {$660.00} ) and is deposited in his savings account. He has paid hundreds of dollars in these courtesy transfers. They are {$12.00} for each occurrence. By the beginning of this year he started running low in his savings. The first few months of XX/XX/XXXX he accumulated about {$110.00} in overdraft fees. From the XX/XX/XXXX. statement to the XX/XX/XXXX statement he had accumulated over {$1300.00} in return item and overdraft fees. I did not find out until XX/XX/XXXX that he was ( {$500.00} ) in arrears because of all the excessive fees. We started managing the account from then on to help pay for his bills. The bank did not help rectify this problem. My uncle was hospitalized during this time. Documents show he has XXXX XXXX XXXX and has XXXX XXXX XXXX. The bank has charged over {$2000.00} in fees over the last several years. I realize that the bank has rules, however considering the circumstances I feel that the bank had made my uncle whole through the courtesy fees and in his frame of mind felt that the savings would always cover his bills. In 2 months he was charged over {$1000.00} in overdraft fees. All I want is a fair evaluation of his situation. With the use of modern technology I feel the bank is being unfair to charge this excessive amount in fees. My uncle has no more resources other than Social Security to live on. Fifth Third is advertising about no ATM fees. The courtesy fees and overdraft fees from my uncle are allowing the bank this gimmick.
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| 12/27/2017 |
Yes |
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Web |
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To whom it may concern,I am currently in the process of buying my first home through Fifth Third Mortgage Company in Michigan. My purchase agreement was completed and was sent to the processor on XX/XX/XXXX. We all agreed that closing would take place the last week of XXXX on the purchase agreement and through email due to me going out of the country starting on XX/XX/XXXX. During this process the processer requested for an insurance quote. He also sent me over documents to sign that had the wrong purchase price and wrong purchaser name. I sent emails stating this needed to be fixed on the XXXX. After no response after three days, I called stating the mix up where I was told to sign the documents to meet closing time, even though they were incorrect. I called my lender and told him the issue I had with the processor instructions in which he told me to mark off the incorrect areas and write the correct purchase price and my correct name on the document with initials next to those areas. I then received a call on XX/XX/XXXX from the lender stating that I need Home insurance to close. I proceeded to tell my lender that I sent two different insurance quote stating which one was cheaper to the processor a week ago. My lender told me that I actually need to buy Home insurance that day and that the processor is on vacation until next year and we might be able to close XX/XX/XXXX.I received a call today stating that the title transfer might take longer and that they never received verification from my employer. I sent an email stating why was I not informed because I could have got my company to sign off on this before the holiday break. I now have to call my boss during the holiday break to get him to sign off. They have also now informed me that I will need to get a power of attorney for someone else to sign off on MY FIRST HOME since I will be out of the country.
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| 05/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Complainant purchased the residential property in question in XX/XX/XXXX, immediately after which the associated mortgage was acquired by respondent, Fifth Third Bank. Records would show that complainant subsequently issued payment to respondent on or about the first of the month via an automatic bill pay service, with no delinquencies whatsoever. Amidst the sale of this house in XX/XX/XXXX complainant was advised via the Closing Disclosure that respondent was assessing " Late Charges '' against the account. Around this time complainant received a bulletin from respondent stating that " Although we appreciate receiving your XX/XX/XXXX payment of {$1300.00}, your total payment is {$1300.00}. Our records indicate that you should have received an escrow analysis statement showing a monthly payment increase due to an increase in the escrow portion of your payment. '' However, no meaningful notice was actually provided of this subtle impound increase. Complainant contacted respondent by telephone initially on XX/XX/XXXX to request the opportunity to make up the apparent deficit and to request reversal of the related late charges. Respondent 's agent, XXXX, stated she had no record of this letter or any late charges. However, as the closing date for the sale of the property neared, the escrow agent reconfirmed that Fifth Third Bank was continuing to levy late fees, and, because the transaction was formally in escrow with a final payoff having been requested and computed, complainant had no further opportunity to intervene directly. Complainant re-telephoned respondent on XX/XX/XXXX by which the issue was stated to be escalated to the supervisory level, although after a reasonable period of time there has been no response from respondent. Respondent received the {$21.00} " shortfall '' via the payoff. Complainant seeks refund of the {$89.00} late charges asserted.
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| 04/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX at XXXX XXXX EST, I call the 5/3 's credit card dept. to make a payment. My payment is due on the 8th day of each month. I spoke to an XXXX in CC who refused to accept my payment because I would not agree to a payment on the XX/XX/XXXX, so 5/3 bank can charge me a late charge. The claim that their payment have to be made by XXXX on the due date or it is considered late. I refused to agree to a XXXX payment, and She nor the supervisor XXXX would accept my payment. This is a predatory practice in my opinion. I want my XX/XX/XXXX payment processed without paying a late charge.
In XX/XX/XXXX when I opened this account they offered {$250.00} to open a checking account with this bank and maintain a specific balance for 60 days. The banking rep was XXXX at XXXX branch in XXXX, NC. After 60 days passed I did not receive the money, when I contacted her and the branch manager about the checking account promotion XXXX. XXXX said the money had to be maintained in a check account for 60 days, not a savings account ( I opened both accounts ). XXXX knew the reason I opened those accounts was because of the {$250.00} promotion and I brought here the mail flyer I received. I told I wanted to take advantage of the promotion and she NEVER reiterated the fact that the money had to be in a checking account. I have complained to the branch Manager later and she Never responded to my complaints. I went to close my accounts with 5/3 and XXXX and pull my money out of this bank and the branch manager claim she could not give me my money, and she would follow up but I never heard from her. 5/3 is the most useless consumer unfriendly bank I have ever dealt with. I will be making my XX/XX/XXXX payment online. I do NOT expect to be charged a late charge for XX/XX/XXXX. I also want to be credited the {$250.00} that was due me when I opened the accounts last XX/XX/XXXX.
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| 12/26/2019 |
Yes |
- Credit card or prepaid card
- Payroll card
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- Trouble using the card
- Trouble using the card to spend money in a store or online
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Web |
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I got hired by XXXX XXXX XXXX to work for a client called XXXX, upon getting hired they gave me a payroll card from 'XXXX XXXX XXXX ' I only worked for them for 3 hours due to the fact that I thought it was not going to be a good fit for me. I received my wages like normal and decided to find another job. That same week i found another job and decided to use the payroll card to receive my direct deposit. To confirm I called 'XXXX XXXX XXXX ' to ask them if I could use this payroll card for a DIFFERENT employer, they said yes but that I must first upload my documents because apparently they had a different date of birth on file. So on XX/XX/2019 both my deposit went through like normal AND I also uploaded my documents which are A ( IL Driver 's License ) B ( Birth Certificate ). To confirm they had received them I called them on Monday, XX/XX/2019 they ( XXXX XXXX Customer service department ) stated they had not received any documents and that to give them a call back the following day. As XXXX was approaching I became anxious and so I immediately called them back on Tuesday the next day, they told me the same thing, no documents have been received. I was told to give them a call back on Thursday or re-upload my documents but I told them that is not a good option as their website XXXX already SHOULD have my documents and thats sensitive information to be putting out on the internet like that, exposing me to fraud. So essentially they have been unfair in my opinion and unprofessional because of the amount of time its taking and the promises they have made like gives us a call back tomorrow type of thing its getting annoying to deal with them when they keep telling me to just give them a call back and hopefully it gets resolved which it hasn't. My account is locked and without a date in which I can start to use it again. Also they refuse to close the account.
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| 06/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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So my car was repossessed from Fifth Third Bank. They said I need to pay {$660.00} because of a late payment in XXXX 2016. I look back and that was when I had a deferment because my husband was out of work. They told me to fill out a letter and send it in. I have proof that I sent the email in and signed it. They told me there would be an extra monthly payment added on to the loan. Now XXXX XXXX, 2016 my car was repossessed and I had no idea why my car payment was sent through mail a little over a week before ( because they said I am not eligible for the online payment ). I called confused and they said once your payments go through then we can give you the release form. Then my husband called and they said we owed XXXX in repossession fees ( including the 2 payments of XXXX on there way ) I was confused to why it was that much when my car payments are {$280.00} per month and {$290.00} when they are late. So I called again to try and understand where this money came from and they said it was from XX/XX/XXXX when we missed a payment. That 's when I explained that was our month of deferment. She then tells me it was n't approved. I explained how I would be told if there were any problems with the deferment process that she would contact me. The representative then told me we were contacted multiple times and left voicemails. I then asked what phone number they have been calling and she gives me numbers that do n't even have the same area code as me. I know they have my phone number and my husband 's on file because that is how I verified my account. On top of that they have my mailing address. She then puts me on hold so she can talk to her supervisor. They are now giving me a deferment for XX/XX/XXXX and adding repo fees to XX/XX/XXXX and XX/XX/XXXX but I still have to XXXX XXXX the {$660.00}. I just feel like I should n't even be in this position right now.
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| 09/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
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Web |
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XX/XX/XXXX at XXXX I called XXXX bank in regards to me being unable to login into the XXXX bank website to view my account. I was then transferred to the customer service line when I was asked for my debit pin number and I did not know what it was. So I called a second time to XXXX bank to reset my pin. I was then transferred to reset my PIN which I was then made a ware there was a hold on my account at XXXX. I was told I could not be told why there was a hold on my account and I was then transferred to be given an explanation on why there was a hold on my account. At XXXX I spoke with a women who told my account was on hold because I paid money to my XXXX credit card and that it set off fraud flags so my account was to be closed and that was the final decision. When I asked why I was told by the women that it was a trend in fraud therefore my account was close. I later found out from talking to her that my account was being closed because I paid multiple of my credit cards therefore my account was to be closed. Then the conversation ended. Then at around XXXX I called XXXX bank again and spoke with XXXX, where I was given the same explain that my account was being closed because I paid my credit cards and that was a trend for other people of fraud therefore my account was to be closed final decision. Then I ask XXXX if I could present evidence that my credit cards are real and not fraudulent. I was then informed that would not be an option because the final decision has been. To summarize I was denied the opportunity to prove my innocence, and I was still not given an answer to my faults but was only told that other people like me my assumption I was biased based on my age, gender, and race would pay there credit cards and commit fraud. Therefore because I am a XXXX XXXX XXXX I must be commiting fraud and was denied the oppurunity to prove my innocence.
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| 05/14/2023 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/2023 The judge allowed a Litigation Hold for XXXX XXXX XXXX XXXX to answer the questions to the foreclosure complaint filed last year. The XXXX XXXX XXXX has more than enough time to do so. Illinois Department of Housing Authority has been waiting for Fifth Third Bank , National Association to get back to them to bring my mortgage current and to bring the home association fees current but Fifth Third Bank , National Association continues to push litigation and will not respond to ILHAF. The people are running up the litigation cost and the judge is allowing it. I have no choice but to fight them. I am in court with a judge that knows what is going on and she is taking sides with Fifth Third Bank , National Association no matter what I present to her. Now the problem I am facing is that after ILHAF brings my mortgage current the litigation cost will be so much because of me continuing to fight the foreclosure in court. I should not have to continue to fight when Fifth Third Bank , National Association will not respond to ILHAF. I make more than enough money to pay my mortgage. I had options to prevent the foreclosure before Fifth Third Bank , National Association filed the Foreclosure. I am seeing nothing but XXXX people and the courts not following the law. There are no XXXX people in the courtroom. I am close to XXXX XXXX dollars in legal fees and counting. Fifth Third Bank, National I have contacted ILHAF and was told they would take notes but only could provide a letter to me. This is not fair to me. Illinois foreclosure laws are straightforward and not being followed. XXXX XXXX XXXX placed a lien on my property. Fifth Third Bank , National Association has already ruined my business by dinging my credit and taking time to fix my credit. Now they are not willing to settle my mortgage and continue to charge me litigation fees. I need help ASAP
|
| 12/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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I have a mortgage with Fifth Third Bank. I have paid my mortgage payment every month through my checking account automatic payment system. For the XXXX 2016 payment, my bank sent the usual amount of {$3300.00} to Fifth Third on XXXX XXXX. On XXXX XXXX, I received a letter from Fifth Third indicating that they can not apply the amount because the monthly payment should have been {$3400.00}. Apparently, the amount increased due to a change in escrow requirements,. I immediately sent Fifth Third another payment of {$72.00} through my bank and called Fifth Third to advise them. I was told that neither the original {$3300.00} nor the {$72.00} could be applied and that I need to send another single payment for the full {$3400.00}. If Fifth Third did not receive this by XXXX, I would be assessed a late charge. I then went on the Fifth Third website and sent the full payment and called Fifth Third back to request a refund of the {$3300.00}. I was told that this amount could not be refunded until the {$3400.00} was credited. I asked ( on XXXX separate calls ) that the {$3300.00} be returned to the bank from which it had been sent. I waited until XXXX to determine if the refund had occurred. I then called Fifth Third on XXXX and was told by the first representative that the payment had been sent back to me. I asked if it was sent electronically or by a check - she disconnected the call. I then called Fifth Third back and was told that there was no refund and that Fifth Third had applied this amount to principal. I again asked for it to be refunded and was told that a check needed to be ordered. I asked for interest on the payment since Fifth Third had wrongfully held on to my funds for 2 weeks and was told that they refused. As of now, Fifth Third has kept my funds, demanded that I make a second mortgage payment and refused to provide me with any assistance..
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| 06/16/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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On XXXX/XXXX/XXXX, I obtained a loan to purchase a XXXX from fifth third bank in the amount of {$200000.00}. The loan was secured by my residence and they obtained XXXX mortgage on the residence.. My loan is a labeled as a Commercial Term Note with Fixed interest rate of 8.440 %. My payment is {$1900.00}. The effective date of loan is XXXX. The maturity date of the loan is XXXX/XXXX/XXXX. My payment schedule is suppose to be Principal & interest due on the XXXX of each month beginning XXXX/XXXX/XXXX. There is also a 1 % prepayment premium to any prepayment check.
I believed my loan would be paid off on XXXX/XXXX/XXXX. A recent statement shows I still owe $ XXXX. I called Fifth Third Bank and explained there was an error. They informed me I have a balloon payment due. And XXXX months later, they are now calling me and telling me that they are beginning foreclosure proceedings against my residence as they claim I am in default for putting my mother on my house with me and furthermore they claim that since I filed bankruptcy back in XXXX and did n't file to renew the loan ... I am in default and being foreclosed. I have never missed a payment or been late. In addition, I have loan documents and it was NOT A BALLOON LOAN. NOWHERE DOES IT SAY IT IS A BALLON LOAN.. If there was a balloon I would suspect they would have included it somewhere on my documents. It is nowhere. But the prepayment penalty is clear. I believe that the bank has been deceptive and misleading. And they failed to disclose a material item like owing over $ XXXX. They are calling and asking what I am doing about it and asking where I am going to get the money. They told me they want the loan paid off now and that if I do n't inform them soon on where I am getting the money to pay them off, they will continue foreclose proceedings against my residence. This is unfair and deceptive.
|
| 11/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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Filed a fraudulent charge claim with my bank, Fifth Third Bank. A transaction that wasn't initiated by me or my wife occurred on XX/XX/XXXX via a debit card transaction in the amount of {$550.00}.
The charge was a XXXX XXXX in XXXX XXXXXXXX XXXX ( we live in XXXX ).
Once I noticed the pending withdrawal, I contacted 53 bank. opened up a dispute. during the conversation i did state that I don't even recall receiving a debit card for this checking account. Told 53 bank this was not a charge initiated by myself or my wife.
Funds reversed during investigation.
Received letter in early XXXX that my dispute was declined. I called them to inquire as to why -- - they stated that they have evidence of a debit card being activated by my wife back in XXXX. Which I'm sure is true but I didn't remember that fact. Well, because of that statement they denied the fraudulent dispute charge.
I told them that I don't recall activating the debit card and we never used it for any purchases ( checking account is used to pay bills for a property ), and asked for dispute to be re-opened.
They re-opened the dispute but a few days later received notification that my dispute was declined again.
I called XXXX XXXX to request a reversal of charges. They mentioned to me a name of a person who we do not know -- -- that individual reserved a room at the XXXX XXXX but never showed up. So the charge was for a no show room reservation charge. Despite my plea that we had nothing to do with this reservation, or that we don't know the person that reserved the room, and that we were nowhere near Texas at any time -- - XXXX XXXX also declined to reverse the charge.
Please assist us. We are extremely frustrated that we are responsible for this payment that we had nothing to do with. This was a fraudulent charge and I don't know what else to do to rectify the situation.
|
| 04/19/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
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Web |
Older American, Servicemember |
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On XX/XX/XXXX Fifth Third issued a XXXX 's Check # XXXX for {$22000.00} and on XX/XX/XXXX it issued another one # XXXX for {$7000.00}. Both of these checks were purchased by me, XXXX XXXX, to pay a construction company to replace my deck. The checks were marked " Pay to the order of : XXXX XXXX XXXX ''. On XX/XX/XXXX and XX/XX/XXXX, a person named XXXX XXXX XXXX signed just his own name to each of the Cashier 's Check s and then photo-deposited them into his personal XXXX Bank account. XXXX accepted the deposits and sent the checks to Fifth Third for payment. Fifth Third, without validating that the endorsements were full and proper, paid over on the checks to XXXX. XXXX XXXX XXXX then withdrew the {$29000.00} from his personal account and left town. Fifth Third had a very high duty of care to make certain the checks were properly and fully endorsed by the named payee, and they failed to do so. They should not have accepted the checks from XXXX, endorsed as they were. Fifth Third 's negligence in accepting the obviously improperly-endorsed cashier 's checks ultimately allowed the money that was specifically payable to " XXXX XXXX XXXX '' to go elsewhere. Their failure to validate and enforce the proper endorsement has left me, the Fifth Third customer and the Remitter of the checks, exposed to a lawsuit by XXXX XXXX XXXX, who never received payment for their work. XXXX 's XXXX, by their nature, are designed to be a secure form of payment, but only if they are treated with diligence and proper attention. Fifth Third 's error has left me in a bad spot both legally and personally and I demand they make good on the two XXXX, and immediately issue payment of the {$29000.00} to XXXX XXXX XXXX. If I am sued, I will certainly join Fifth Third in that suit, I will have no choice. This issue is not going to go away until Fifth Third corrects its error.
|
| 12/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Fifth Third Bank Disputes Department / Regarding reassertion of dispute / Case # XXXX This letter serves as the appeal to Fifth Third Banks decline of my dispute regarding the {$3200.00} charged for XXXX ( XXXX XXXX XXXX XXXX ) doing business as XXXX XXXX, XXXX XXXX XXXX XXXX using my credit card ending in # XXXX on XXXX. The reason for the decline, was because my dispute fell outside the window to dispute.
None of these services were provided, and I did not have a chance to receive them, because the FTC shut them down for defrauding their customers XX/XX/2018. At that time, there was hope that something could have been worked out between XXXX and the FTC. But, in XX/XX/2018, the Judge in the case finalized the shutdown on XX/XX/2018.
It would have been impossible for me to dispute this charge within the dispute window as for the XXXX XXXX trips and coaching that I purchased, fell past the dispute window afforded to me by Fifth Third. The FTC did not shut them down until XXXX, thus me believing up to that point, that I was going to receive my coachingg.
Please accept this as my detailed letter describing the services that were expected from the company ( XXXX ) that the FTC without warning, shut down. I purchased XXXX XXXX trips using monies from my Fifth Third Card ending # XXXX Copies of my contracts ( s ) are submitted along with this letter, as proof that XXXX did not provide the services ( XXXX training trips ) that were purchased The three events : 1-3 day/4 night / 1-5 day/6 night / 1-10 day/11 night ; XXXX Training ( Coaching ) Trips The details of the XXXX and Tuition reimbursement, are in the contracts that are with this fax, please note the circled items. Also, faxed is copy of my XXXX receipt and statement of the charge, as noted Details of FTC actions can be found at : https : XXXX Respectfully Submitted, XXXX XXXX XXXX
|
| 07/06/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
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On XX/XX/XXXX I attempted to log into my Fifth Third Bank online banking application but was unable to stating it didn't recognize my credentials. To troubleshoot I followed the steps using the Forgot Username option and was able to log in after getting a code sent to my phone and using my original password. The steps to login using the temp passcode told me that after logging in I would be able to see my username in the settings. Upon checking the settings the username was one that I have never used and would not use due to its easily identifiable nature.
I attempted to change it back to my previous username after verifying all my other information was correct but got an error stating the username was already in use. I called their help line and after 45+ mins they told me I would just have to choose a new username even though they verified the username I was trying to change it to was my previous username and was not being used anywhere else in their system.
During the 45 minute call they stated my username had been changed on XX/XX/XXXX but they could not see by whom. They asked me multiple times if I had changed it and I explained I had not.
I am unsatisfied because they stated they had cleared out the username so I could use the one I previously used for login but when their steps to change it did not work they basically told me too bad, choose a new one.
My issue other then not being able to use my previous username that I did not change, is that they clearly have no controls over managing security information for clients. They were not able to identify whom made changes, why their steps to correct were not working even though the help line says they could confirm no one was using my username other then me previously, they could follow the steps I as doing in real time following their prescribed process to correct the username.
|
| 11/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
FIFTH THIRD BANK ( 53 ) Unfair banking practices- Overdraft fees XX/XX/2016 : I was forced to write a check at the grocery store because I had left my debit card/cash at home. Later that evening, I took cash money to the local ATM to make a deposit just to be safe ( prevent any NSF fees ) I had direct deposit scheduled for XX/XX/2016 ( they were closed on Monday XX/XX/XXXX for XXXX ) but, was unable to deposit the money due to " out of service '' notice on ATM screen. The Direct Deposit deposited on XX/XX/XXXX and all the checks that had been written over the past week and weekend were also debited that day however, all debits were removed BEFORE the deposit was credited to the account and I was charged {$74.00} in NSF fees. There has also been an instance of fraudulent charges being placed on the account, my balance depleted below the amount to cover pending checks. I was issued credits for the fraudulent charges however, the bank refused to remove the NSF fees that incurred due to those charges. The bank also did not cancel the card as requested during those disputes and the charges reappeared on my account 2-3 weeks later along with more NSF fees caused by those charges. Again, the fraudulent charges were removed but, they refused to remove the NSF fees- they did however, state they cancelled the card. They also informed me I would not have access to online banking or mobile banking for 7-10 days while the account was " undergoing updates '' so I am unable to verify anything on the account. Thirdly, the bank ALWAYS orders transactions so deposits are credited last and online payments are debited before the deposit is credited. AGAIN, fees have been incurred because of the way the bank CHOOSES to order these transactions- I have lost several hundred dollars due to these issues and the bank refuses to assist me with rectifying these issues.
|
| 04/25/2016 |
Yes |
|
|
|
Web |
|
|
The original charges of {$90.00} and {$41.00} were charged by XXXX for monitoring. In XX/XX/XXXX I had contacted the XXXX in Arizona to complain about a new security alarm system not working and not being able to make contact for technical service. They have not responded to XXXX. Therefore, XX/XX/XXXX I called the dispute dept. at 53 Bank to register a dispute against XXXX 's monitoring charges of {$90.00} and {$41.00}. Fifth Third Bank issued late payment and interest charges of XXXX against my account on XX/XX/XXXX after I had called disputing the charges. Debits of {$90.00} and {$41.00} were issued on XX/XX/XXXX but the late payment fee and interest remained on my account. I called again concerning the late payment and interest and the dispute dept. told me that they will remain on my account until the issue was resolved and I would either have to pay or they would be removed after the dispute was settled which would take up to 90 days. I asked them why they did n't remove the late payment and interest charges also because I am receiving collection calls on something I am disputing. They told me not to be concerned that my account was documented on the disputes. I am still receiving numerous calls from collection agent on paying this late fee and interest. I told them that I was not paying for any charges that were not justified. I continue to get collection calls and another late payment charge on a balance that was a late payment charge for items in dispute. When I called today they were wanting to switch me back and forth to explain their procedures. My complaint is on their procedure of not removing the late and interest charges until the disputed matter is resolved. To me they are gouging their customers. It took them almost a month to remove the charges from my account and then they want to charge me excessively for late payments.
|
| 07/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My complaint is against my mortgage servicer - Fifth Third Bank I pay my own insurance and taxes and do not use the mortgage company to escrow. XX/XX/XXXX I switched home insurance companies from XXXX to XXXX. I few months later I received a notice stating the mortgage company would place force placed home insurance on my home unless I provided proof of insurance by uploading a copy of my statement to the website they provided. About 45 days later I received another notice claiming they would be placing insurance unless I could provide proof the period of XXXX. I was still with XXXX ( the company I had been with for 3+ years ), but loaded proof of insurance from the carrier to their site. In XX/XX/XXXX, I received another letter stating they need proof. This time I called ( XX/XX/XXXX @ XXXX and spoke with XXXX ) and advised that I have provided this multiple times and they needed to correct my issue. I was assured by the representative that all I needed to do was provide my insurance carriers name and number and he would call the agent directly to have all this cleared up. I said I would not be happy if I received another one of these letters or worse yet, they force placed insurance when my home has been covered with no lapse in coverage this entire time. He advised me he would have it all taken care of and to not worry. I asked if i could wait on hold while he called, he said no. I asked if I could get a call back when it was taken care of and he said no, but don't worry, he would take care of it. Today I received a bill from Fifth Third Bank for the cost of them to provide insurance for the dates of XXXX. I immediately called them to speak with someone. I waited on hold for 25 minutes and the call was disconnected. When I called back, the recording said they were closed for the day and to please call back during normal business hours.
|
| 06/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
My account was previously with MB Financial Bank. I moved from XXXX to XXXX on XX/XX/XXXX. MB was bought out on XX/XX/XXXX.
I did have an overdraft that i am willing to pay to resolve this issue -- when i called in mid-XXXX, i was quoted {$62.00} to clear the overdraft and close the account. I was assured nothing else would be charged to the account, and i did request the account be closed.
I received a statement today showing a balance of - $ XXXX, but when i called Fifth Third in the morning, the agent stated the balance was at - $ XXXX. The agent reversed two overdraft fees, but refused to stop activity on the account and told me fees would continue until it was paid in full. ( Apparently XXXX XXXX keeps trying to take money out, but i am pretty sure i cancelled my membership. I am aware that i also need to contact them, but Fifth Third should be able to stop activity on the account. ) I was given a different phone number and transferred to a department that couldn't help me.
I posted on social media with the hopes of corporate closing the account and setting the discrepancy with the overdraft amount. I spoke with that department, who refused to do anything for me.
My concern is that i did not voluntarily sign up for a Fifth Third account -- it was a transfer from MB. I have no account number for the Fifth Third account, nor do i have an online banking login, a nearby branch, or any other way to monitor this account. I can't tell how many times my account has been charged, or for what. ( I do still have my MB account number and debit card. ) How am i supposed to reasonably know what fees are legitimate? I would like to settle the account in full, but do not believe I should be held responsible for charges after my first contact with Fifth Third, as i made it abundantly clear that no other charges were authorized to the account.
|
| 02/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/XXXX I called fifth third to see if I could get any overdraft fees reversed because I had been told in XXXX when I called, I would be eligible after XX/XX/XXXX. Also to note I called in XXXXXXXX XXXX XXXXXXXX and was told I was eligible in XX/XX/XXXX which is why I called in XXXX. In XXXX, I was told I had to wait a whole calendar year before I could request one and the first one I received was in XXXXXXXX XXXX XXXXXXXX. ( Same thing I was told in XX/XX/XXXX but that the first one was in XXXXXXXX XXXX XXXXXXXX ).
The rep i talked to on XX/XX/XXXX told me I was not eligible till XX/XX/XXXX and not sure why I was told differently. I asked to speak to a supervisor because all the calls are recorded and I wanted to know why I had been told wrong info several times. I was transferred to a specialist and not a super ( XXXX She would not give me full name ) she was very rude and kept repeating herself and told me they would not review the calls because they only do when its an error on the bank. I told her this was, they gave me wrong info. These people should be at the least coached! I again stated I wanted to talk to a supervisor, she immediately transferred the call and cut me off.
I then talked with a supposedly supervisor named XXXX ( would not release his last name ) he explained my first reversal was in XX/XX/XXXX which is why I had to wait till after that date to ask for any fees back. I had fees accrue in XXXX and XXXX but since I didnt ask for any of them to be reversed till my XXXX fees, they use that at the start date for the reversals.
While I understand now I am completely appalled by how I was treated and how so many agents could tell me wrong things. This is deceptive and deceiving as well as does nothing to help the consumer who has banked with them for several years and paid several hundreds of dollars in fees.
|
| 07/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
Bank account opened in person at branch in XXXX, FL in XXXX. I ( along with my attorney ) requested that no overdraft service is received because if funds are unavailable, I prefer insufficient funds notifications.
From XXXX XX/XX/XXXX, I never received overdraft charges because transactions would be rejected as " insufficient funds '' and I would receive a notification. That is correct because that is my way of transaction verification and validation against fraud XX/XX/XXXX, XXXX XX/XX/XXXX ; I was travelling for medical reasons and my card is used for XXXX and other miscellaneous items while travelling. When I returned home, I realized my account was overdrawn by over {$700.00} to include charges and fees, and I never received any insufficient funds notifications. Over half of the overdrawn amount was due to the {$37.00} fees charged for each transaction.
I contacted the bank, they stated it was " my fault '' for not keeping a ledger. I explained that I do not have overdraft protection, however they still stated the overdrafts were my fault and refuse to acknowledgement they arbitrarily assigned this product to my accunt without my consent because this services requires a customer signature and I never signed anything for this. I requested again to remove and disallow overdraft service.
A week later, on XX/XX/XXXX, someone used my card and charged {$39.00} to this account and it was overdrawn a second time for the same period. I again called the bank, and I ordered a new card, but then was told I had to pay {$30.00} service fee for deliver.
Mon. XX/XX/XXXX- Set phone appointments at the bank, they refused to contact me ; I then contacted the branch where the account was created, unable to get anyone to speak to me. Then spoke to a XXXX at XXXX XXXX who told me again, my failt and the bank does not keep ledgers for customers.
|
| 05/11/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I'm writing to you because I had received a letter from 53rd Bank dated XX/XX/2023, regarding the misapplied funds. The letter states " we wish to confirm that we have posted your payments according to your instructions '' wish it don't tell me nothing. I don't see anything posted as discussed with 53rd bank.
The letter did not resolve my complaint because it is not detailing any amounts or a breakdown of what did they do with my {$2600.00}, I paid on XX/XX/2023, on escrow shortage.
The escrow shortage was not {$2600.00} like I was told by 53rd by escrow agent XXXX, on XX/XX/2023, which I had paid so my monthly mortgage won't be so high. On XXXX XXXX, I called to follow up and I was told by XXXX that the {$2600.00}, was not applied because it was not the correct amount. Representative ( XXXX XXXX told me on XX/XX/XXXX, that the correct amount was {$1200.00} and once applied my monthly mortgage will go down to {$1300.00}. Nothing has been done as discussed and this keeps happening year after year with escrow issues.
This issue needs to still be resolve and a letter with a breakdown of what they did with my {$2600.00} and my monthly mortgage should have been adjusted to a lower amount. If the {$2600.00}, was applied to the escrow I'm fine with that but my mortgage payment should have been lower. Also, my monthly mortgage payment its still showing at {$1400.00} instead of {$1300.00}.
On another note : XXXX XXXX XXXX had adjusted my insurance to {$5100.00} a year which should also drop my escrow total. XXXX XXXX XXXX told me they sent you a new declaration with the new total during XXXX.
I also wish to talk to someone that will give me accurate information on how to apply more money to my principal to lower my monthly and pay the mortgage sooner.
I appreciate your assistance in this matter.
Best regards ; XXXX XXXX XXXX
|
| 03/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
I was attempting, on XX/XX/XXXX, to buy XXXX tickets to a XX/XX/XXXX production of XXXX at the XXXX XXXX XXXX XXXX in XXXX Ohio. I was online with XXXX and they had ground floor tickets for {$550.00}, which was too much, so I looked at the balcony and it was {$140.00}. I gave my charge card info expecting an itemized bill and all of a sudden it told me I had spent {$770.00}. I had thought the {$140.00} was the total for the XXXX tickets! You can imagine my shock! I attempted to contact the company and cancel the transaction, and was told that it was impossible. ( I might add, I called XXXX, and the balcony tickets range from XXXX XXXXXXXX {$75.00} each, so my thought of {$140.00} was not unreasonable!
I then contacted my credit card company 5/3rd and started a dispute. This was back on XX/XX/XXXX. They told me it would take a while, until the bill hit my statement. I told them I was taking cruises and would be unavailable from XXXX. They sent me a letter that I needed to contact them by XX/XX/XXXX that my son got from the mail, but I was out of the country. I contacted them, the day I returned XX/XX/XXXX, and told them the situation and they said I needed to fax them information, which I did, so they could reopen the case.
I faxed them more information XX/XX/XXXX after another phone call. Mind you, we flew to the XXXX XXXX XXXX. I followed up XXXX, by phone, and was told that the process would take about a month.
I called back yesterday, and was told the case was rejected a second time because of time issues. I was told to fax another letter asking them to reopen the case! This is ridiculous. I have written another letter, but am traveling today and have to figure out how to print a letter and fax it from the next island we are traveling to. In the meanwhile I have not been able to repurchase tickets for the show, now in 2 months.
|
| 03/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Received a call from an Unknown number stating from " Department of Verification '' saying certified documents being dispatched to my location tomorrow XX/XX/XXXX and that I should contact them immediately XXXX ext XXXX to avoid adverse decision on my behalf. " You have been notified. '' I called them and spoke with XXXX of XXXX and asked for the documents to be mailed to my mailing address. He only offered to email it to me. The document references a " debt '' with an original date of delinquency of XX/XX/XXXX. The notice says : " Dear XXXX, Our office has been retained to proceed on the aforementioned matter listed above. This letter serves as your formal notice of our intention to resolve this matter with or without your cooperation. If you fail to heed this notice, you leave our firm no choice but to take further action to secure the balance and any additional fees applicable to the contract.
If this is a matter you intended to resolve voluntarily due to not having opportunities to resolve via written correspondence or telephone contact, please contact our office to update us of your request.
If you have any further questions or concerns, please feel free to contact our office. '' I did not receive any notice of this debt before today. I repeatedly asked for XXXX to mail the notice to my address, because I do not regard e-mail being official, but he refused. He told me they were willing to reduce the amount but because I kept asking for a hard copy to be sent in the mail, I will just have to deal with XXXX court and pay much more since I want it to be " official '' and to have fun in court. XXXX said that his firm is not a debt collector, yet are attempting to collect a debt and do not have to mail me anything.
The e-mailed document came from : XXXX XXXX XXXX, California XXXX XXXX : XXXX Direct Line Toll Free Number : XXXX XXXX
|
| 06/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have been a consumer of 53rd bank for my auto loan. When I was impacted due to Hurricane Irma, they provided me with a deferment until XX/XX/XXXX which I am appreciative of. Starting in XX/XX/XXXX, I made consistent payments up until XX/XX/XXXX, because I had a XXXX in XX/XX/XXXX and was out on XXXX XXXX, so I did not have any income at the time. I spoke with them XX/XX/XXXX requesting a temporary deferment until XX/XX/XXXX payment as I would be returning to work starting XX/XX/XXXX. They stated that they could not do that because I did not have 90 days of consistent payments, which was false.
Since the past due payment from XX/XX/XXXX, they have called me every single day. I spoke with two different reps and advised them of my situation. Today I spoke with a gentleman who stated that I owe XXXX, which is also false. He was clearly bullying me in to paying more than what was actually owed. I was only behind one payment of XXXX, but he was adding XX/XX/XXXX payment in to that total which is unfair. He also stated that he had the ability to call me 4 times a day, which is clearly harrasment. As a woman who just had a baby, they had absolutely no regard for any potential post partum issues I could be experiencing. I have never missed a payment with them before ever, and after one missed payment, I am harassed?
I then spoke with a woman named XXXX, when talking to her I asked her to review my history for XX/XX/XXXX and XX/XX/XXXX and she said " that's not what I am here to do '' she refused to help me and was more concerned about arguing with me. I requested to speak with her supervisor XXXX and he would not get on the line either.
I was simply asking for a deferment for XX/XX/XXXX or XX/XX/XXXX just to help and I was spoken to disrespectfully, I was harassed, and still provided with no resolve despite my consistency with them.
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I made a online payment of {$270.00}. When I logged onto my account in XXXX to make my XXXX payment I could see that the XXXX payment was not recorded. This was a surprise to me as I had never received a phone call, email or letter notifying me of any problem with the account. I then made another payment for both XXXX & XXXX for the amount of {$550.00}. This time I noted the confirmation number of # XXXX. Recently, I received a notice from XXXX that 5/3rd had reported me late to the credit bureau XXXX Shocked ( especially at the XXXX point drop in my credit report! ) I logged onto my XXXX account and found that the XXXX payment that I had made was this time recorded but returned. Completely confused I called 5/3rd and asked them what was happening. I had now attempted to make TWO payments, one not even showing up and the second returned and I had never been notified of either of them missing. XXXX said that they followed normal reporting rules.
My complaint is their reporting is incorrect. I did in fact make the XXXX & XXXX payment on time & I believe it was an issue on their server that it did not go through. Furthermore, I never had a chance to rectify the missing payment as I was never notified personally through phone, email or mail.
I brought the account current today on XX/XX/XXXX when I called and talked to a representative. I made a payment of {$870.00}. I asked them to remove the bad credit report and they said no. My ask is they do remove this from my credit report as it's not correct and I was never notified of an issue. Also, I have brought the account current including all their fees so I feel that would be more than fair. I'm attempting to refinance a home I remodeled and their reporting has made it impossible to do so and I may lose it all together so it's a dire situation. Thank you for your time.
|
| 07/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I logged onto my account XX/XX/XXXX and notice that my credit limit has been reduced by {$5000.00} from {$15000.00} to {$10000.00}. I called 5/3 bank the same day that I noticed this and spoke to a customer service representative as well as the representative supervisor XXXX ( employee Id XXXX ). I inquired why their was a reduction of my credit limit, but no one could provide an answer. They stated a letter was mailed out to me XX/XX/XXXX, but due to extended traveling I will not be able to access the letter.
Additionally, since I'm in the process of purchasing a home. I have been monitoring my credit like a hawk, and my concern was that such a large drop will drastically affect my credit due by affecting my credit utilization ratios. In the call I requested is their a process to reinstate/ reexamine the credit profile.
I had a similar incident happen two months prior with a XXXX XXXX credit card. There process is more consumer friendly then 5/3 bank. First they gave me one month advance notice that they were reducing my credit limit ( unlike 5/3 bank ). Once I received the letter from XXXX I called them and explained to them that I'm looking for a home and that reducing my credit limit would affect my credit utilization ratio. They simply stated that they will put in a request to reinstate my initial credit limit.
To recap the complaint : 1 ) 5/3 bank reduced my credit limit with advance warning 2 ) I have no way of knowing why they reduced my credit limit 3 ) They do not have a process that was communicated to me regarding if there is a way to appeal or reinstate the decision 4 ) The supervisor refused to provide me or transfer me to the individual who she reports to for me to express my concerns.
5 ) It seems very fishy that my credit limit was reduced shortly after making a larger payment on my credit card account.
|
| 09/08/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Web |
|
|
Please refer to prior Case Submission XXXX. I received from XXXX XXXX Office of the President of 5th Third Bank and have contacted and left several messages on her office phone XXXX to address such issues. I was paid monies that were owed to me I believe on stolen bank accounts that was addressed in my prior correspondences. I indicated that aka XXXX XXXX is the individual who had the contacts at your bank to put a bank account onto my XXXX Credit card and paid monies from that bank account onto my XXXX CARD to pay down my credit card bill that monies were owed to me for services rendered on a marketing campaign. I was not involved in knowing who the parties were etc only that monies were paid out for services and payment was supposed to be paid back to me via my credit card. XXXX XXXX acted in concert with XXXX XXXX who has a XXXX XXXX fraud case with the CFTC and monies were probably used to pay his legal bills. The only accounts that I knew what was entered into XXXX as a transaction number. This was a well fueled scam that both defrauded the banking system in addition to myself. Mr. XXXX deals with cryptocurrency and he used his knowledge in the banking world to perpetrate this heinous crime.
I called several times to go over this with Ms. XXXX and as of today still has not returned any phone calls ... The number of gave her was my cell phone XXXX or one of my office lines XXXX.
Since the bank security was violated I would not be out my monies if they were not able to violate the bank information that recycled this scam. If the public was to understand this type of crime that the banks are allowing insiders to gain access to individuals accounts this would ruin the banking system .... I want the monies that were rightfully owed to me and for the banks to police their internal policies better to protect people like myself
|
| 08/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Ref complaint ID XXXX XXXX Regarding 5th-3rd bank with my account, my follow up comments are enclosed.
I read the bank 's closing comments which are false. How convenient for them to use " technology '' as their means to justify their motives to take " customer 's money ''.
1 ) Ms XXXX 's comments that my checking account was set up for Internet banking vs paper mailing is false. I DID NOT SET THIS UP. I did not authorize this. I would never set up a paperless account. When I was already receiving statements for my savings.
it does not make any sense to have a paperless statement for checking. All accounts should be consistent mailings.
Also, In addition, I was not able to access the Internet account. Continuous attempts showed invalid name, invalid password. I was not able to access on-line.
2 ) My first communication with 5th-3rd was that there was no activity, when in fact, the bank was using their process to " take fees '' out of the account. Even though, I did not initiate this activity, the bank continued to do so. These fees, initiated by 5th-3rd are activity. THIS WAS ACTIVITY.
I WAS NOT INFORMED OF " AUTOMATIC CHANGES TO MY ACCOUNT. As the bank continued to " bleed my checking account dry '' with their fees, this is another example of " poor '' communication with their customer service. Ms XXXX 's letter does not provide accurate facts on this complaints, only to justify the bank 's purpose.
I am not contesting the bank 's requirement for their balance on the account.
Even though, they are excessive.. However, I should have been informed, IMMEDIATELY, on paper by mailing, that {$25.00} fees per month, were being withdrawn.
I have contacted her office, only to be able to leave a message. She has not returned my phone calls. Therefore, I am requesting another review on this complaint. A refund of {$140.00}.
|
| 10/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
on XX/XX/XXXX I contacted 5th 3rd Bank Mortgage pay off Department. I asked them to send me a Mortgage Loan Pay Off letter and expressed to them that i was enclosing a settlement insurance check which i endorsed to PAY OFF MORTGAGE LOAN.
I sent Check to Mortgage XXXX XXXX XXXX Department with Letter requesting Mortgage Loan be paid off. Check amount was higher than Mortgage Pay off amount, so i asked them to process Pay off and sent me back additional balance from check. I was told it will take XXXX to XXXX days for payment to be processed. Kept calling and after waiting over XXXX minutes on telephone and transferred to different people and getting disconnected and was told again that payment was being processed to wait another XXXX to XXXX days. Called up again and was told check had not been processed, that someone left it on hold but not to worry because in another XXXX days payment will be processed. On XX/XX/XXXX got an email from LOSS DRAFT DPT. asking me for information about repairs in my House. It was XXXX and bank Mortgage Dpt. was closed. On XXXX XXXXXX/XX/XXXX around XXXX PM a Lady called me and told me i did not have to provide additional information because Mortgage was being paid Off. After Lady from back called me i started getting several emails asking for additional documents.
Called Bank on XXXX XXXXXX/XX/XXXX around XXXX AM and again i was told no additional documents are needed to process Mortgage Pay Off.
XXXX XX/XX/XXXX got several emails asking me again to submit additional documents.
This is ABSURD! They Cash Check and put it on an escrow account. Instead of processing Mortgage Pay Off and sending me overpayment money back to me.
I don't understand why this people are withholding my money and are ignoring my request to PAY OFF MORTGAGE LOAN so many times.
CAN YOU PLEASE! HELP ME!
THANK YOU!
|
| 06/01/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American, Servicemember |
|
In XXXX XXXX a loan officier from 5/3 bank came to our business and stated the bank was defaulting our loans because we were in arears on the property taxes of the building they financed. After a great deal of discussion we agreed to close our 17 year family business and sell off all assests including the commerical blg and forward all proceeds to 5/3 bank to pay against the balance of our XXXX loans approximately {$300000.00}. For our cooperation 5/3 said they would assist us securing an OIC from the XXXX which would if accepted remove all liens from our personal property and nullify the personal guarantees. We worked with XXXX XXXX and by XXXX or XXXX the business was closed, all assets sold and monies turned over to the bank. XXXX then immediately proceeded to draw the documents to present to the XXXX. We submitted ALL required docs including personal finance and tax info. The XXXX responded on XXXX occassions simply commenting that their paperwork was not completed correctly and again working with XXXX we made the corrections and resubmitted. Now comes XXXX XXXX and communication from the bank stops completely. We can not find anyone who will assist us and find out what is going on. Forward to XXXX XXXX we are assigned a new loan officier finding out XXXX had left the bank. The new officier is XXXX XXXX. She has none nothing but delay the closure of these issues. We had to resubmit paperwork, personal financials and tax info over and over simply because of inaction on the part of 5/3.
Bottom line wehave fulfilled every single request set forth by 5/3 with devastating consequences to our personal situation. At XXXX and XXXX years old this entire process has caused us great emotional distress. It needs to come to closure, 5/3 needs to step up and meet its end of the baragain and get the OIC signed, sealed and delivered.
|
| 08/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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Received an advertisement in the mail from Fifth Third Bank stating a cash bonus will be given in the amount of {$200.00} for opening a checking account with qualifying activities. The qualifying activities listed on the ad state : must be opened by XX/XX/XXXX, {$50.00} minimum deposit and can not be Basic Checking, Express Banking or Private Bank products. Ad also stated the cash bonus will be deposited into checking account within 10 business days of account opening and you could open the account by visiting a branch or calling XXXX. I called on XX/XX/XXXX and spoke with a rep who confirmed the details on the ad and further stated that if I have a direct deposit of at least {$500.00}, I will receivable an additional promotion of {$53.00} and will avoid the monthly fee of {$8.00} ( monthly fee waived due to employer being one of their partners ). The {$50.00} minimum deposit would be satisfied with the direct deposit of {$500.00}. I agreed and opened the account on XX/XX/XXXX and to date have had 2 direct deposits posted to the account. I have contacted Fifth Third 4 times and was advised on the 1st call that it would be posted XXXX on the 2nd call that it would post XXXX on the 3rd call he would speak with supervisor and call me back ( never received a response ), called today ( 4th call ) and was told that the bank has until XX/XX/XXXX to deposit the funds despite what the ad said and despite me keeping my end of the bargain. This is poor customer service and the information provided on the ad and by the sales rep is misleading and misinformation. I went to a branch today and closed my account. The rep asked me why, I told her the situation and she told me she understood. Did not even offer to rectify the issue once and for all. No longer want to deal with this company, who knows what else they mislead customers about.
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| 04/15/2015 |
Yes |
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Web |
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I have a Fifth Third Bank MasterCard with an annual interest rate of 18.99 %. I use the card regularly, and I always pay off the statement balance before the due date on the XXXX of every month. For the month of XXXX, my statement period started on XXXX XXXX and the statement amount of {$1300.00} was due on XXXX XXXX. I had no other purchases from before, since I had paid off every previous statement balance in full. In order to pay off the XXXX, I was waiting for a {$850.00} check to clear my Fifth Third checking account, which it did on Monday XXXX XXXX. Before the {$850.00} cleared, I sent {$460.00} on XXXX XXXX from my 5/3rd checking via electronic transfer to the credit card. On XXXX XXXX, I sent the other {$850.00}. The bank took out the {$460.00} on XXXX XXXX. Now, when I look at my account, it shows that I paid on XXXX XXXX, even though I sent the {$460.00} on the XXXX and the bank took it out of my account immediately. XXXX, they charged me an interest amount of {$21.00}. I understand I owe interest on the {$850.00} that was a few days late, but they can not explain to me how they came up with the {$21.00}. The rep to whom I spoke thought the 18.99 % was charged monthly and did n't even know to divide it by XXXX for monthly. She got nervous when I asked her specific questions about how they calculate interest. Her explanation was " the computer calculates it that way. '' In summation:1 ) Fifth Third Bank took {$460.00} from my checking at their bank on the XXXX and waited until the XXXX to post it so that I would miss the XXXX XXXX due date2 ) They charged me an an interest amount that they can not explain the calculation behind3 ) All of a sudden my due date for XXXX is the XXXX, even though it has been the XXXX for a few years now.
I feel like they are employing tactics that were outlawed for a few years now.
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| 07/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I opened an account online during covid as a XXXX person. I attempted many many times to close my account online and with the assistance of many folks at the consumer line to no avail. I explained I can not go to a branch and that is why I opted for an online account and should be able to close the account in the same manner in which I opened the account- it is not reasonable to not be offered that option. Today I received another harassing phone call from the local branch threatening to report me to the credit reporting agency as the account has been dormant and they are charging me a XXXX fee each month. I was only able to reduce my balance to under XXXX online and not to close it. I asked it be escalated as a consumer complaint to management. A XXXX, XXXX XXXX, came on the phone and told me he was not permitted and did not have the ability to escalate this to headquarters. I told him this is a regulatory violation, including UDAAP and FCRA. I had him repeat on 6 occasions that he had no ability to escalate. I asked him who his prudential regulator was and he did not know. I asked twice. I asked if he was aware of what UDAAP or FCRA was and he did not know. I asked if he had any regulatory training and he had not. Additionally, I received no notice of the fees in writing ; perhaps online but as far as I was concerned, I cancelled my account as best I could by removing all my funds I was allowed as they did not have the means to appropriately close my account without contact. If they are suggesting the online is not good enough to close my account, why are they billing me for unfair fees through that process without notice? I just want my account closed and the ridiculous fees waived and the harassments to cease. Closing an account opened online, online is a reasonable assumption a reasonable consumer should receive.
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| 12/17/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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Description of the complaint I had several transactions process overnight same time as my payroll deposited. XXXX transaction was a XXXX withdrawl it was XXXX transaction that was split into XXXX total debits as each item shipped. This resulted in a total of {$180.00} in fees for {$140.00} worth of purchases. My account was never in the negative that I saw as it all posted at the same time when I looked at my account in the morning this occured everything seemed fine. Later that morning {$180.00} in fees were pending. I called and spoke with XXXX who told me my direct deposit should negate the fees and cause them to fall from a pending state and no one could help me until they posted and that the manager would do everything to help me tomorrow. Called next day was told XXXX the manager would call me back in 15 minutes 3 hours later no call back i called him. he finally returned my call and said that they will only waive {$74.00} a year. I explained that XXXX of the charged were of the result of XXXX transaction offered to provide proof. he said it was out of his hands he didnt have authority he would have district manager call me. the next day XXXX called and said he was acting as rep. of the bank the district manager would not be calling me and they would not be waiving any fees. 1. How can they charge me {$37.00} 4 times on XXXX transaction, and refuse to even look at the documenttaion. 2. If a direct deposit and charges both post at midnight the account was never in the negative state. 3.Is there no limit as to what they can charge and under what circumstance? 3. additionaly while I am adressing issues they have been randonly charging me XXXX per account per month on what is suppossed to be free military accounts and i have called several times they waive and " fix '' it then randomly again I am charged these fees.
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| 12/29/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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I went to Fifth Third Bank to apply for a mortgage. While I was there they asked me to open a checking account as it would reduce my interest rate and Id be able to set up an ACH. I was told there would be no fee associated with the checking account. So, they had me sign about 20 pages for the mortgage company Nd the gentleman at the bank would verbal go through each one and give a debrief about what I was signing. Again, NEVER did we discuss fees! The mortgage was not approved and did not go through. I received a denial letter in the mail. However, they kept my checking account open, which I assumed ithe {$50.00} that I opened with would just remain in my account. That was not the case in XX/XX/XXXX I received a letter that indicated I was overdrafted and I owed them some money! I immediately called the bank when I was advised well I can see where the could have left this out because it was a mortgage but I can only refund you XXXX dollars! I asked to speak to his manager and I never received a phone call from! So, I walked in to aine of their branches and the branch manager was busy working the teller line and was unable to assist me. I demanded corporate phone number, which was given to me. I called corporate and once I indicated I was writing to the CFPB, they said she could not discuss the issue any further and would have someone call me back within 24 hours! I did receive a call and I explained my situation the gentleman told me he would have to revie the issue and call me back! Its been over a week with no return phone call! I would like an investigation to see how many consumers have gone through this where they are mislead and then they take all of you money then ask you to pay overdraft fees!! They should not ask consumers top open a bank account unless theyve been approves for a mortgage!! This is fraud!!
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| 07/25/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Older American |
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On XX/XX/XXXX XXXX, my brother 's telephone received the following text. The lady identified herself as XXXX XXXX and left a voice message sounding as if I was in big trouble and committed a crime, so I called the number XXXX XXXX XXXX and a man answered with Hi this is XXXX. I asked who he was, he said XXXX XXXX with XXXX or something, then he said Civil Arbitration something, I was nervous. He went thru a spill about me, that I had a Fifth 3rd bank account go overdrawn, it was back in XXXX. And how I could be charged with fraud and gave me several options. Again I was nervous so I ended up giving my credit card number and agreed to pay {$100.00} a month until paid in full. After the call I spoke with Fifth Third Bank, the lady said this did not sound right to her, a lawyer and he suggested canceling the card as did a few other people. I canceled the card, Then they sent me the XXXX Payment Email, So I did. Today I contacted CFPB. Thanks for being there!
Text we received minus our names, New Voicemail Message from Unknown Number " Hello this message is solely intended for. My name is XXXX XXXX I'm contacting you in regards to a service of your legal documentation that I have received from you in my office. I'm contacting you in regards to the service of your legal documentation that I have received for you in my office. I have been schedule to make an appearance to either your residence or place of employment tomorrow XX/XX/XXXX between XXXX and XXXX XXXX. If I'm unable to get a signature on your documentation it will be recorded as a direct refusal to comply on your behalf in the process will continue without you being that this-is (? ) a time sensitive matter that is .... '' - XXXX Mailbox has a new voice message from Unknown Caller ( Unknown Number ).
Length : 66 seconds Received on : XX/XX/XXXX XXXX ( EDT )
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| 05/17/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
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On or about early to XXXX 2022 my husband and I went into 5/3 bank to talk about a check that was being held without clearing, the branch manager at that time XXXX XXXX talked to us and convinced us to do a business line of credit and it was in the amount of {$64000.00}.
XXXX XXXX told us that the interest rate would be low around 6.07 % ( 3.07 % rate and 3 % prime ) and our monthly payments should not go above $ XXXX {$400.00} or around there even when we pull the full {$64000.00}, which we could afford. XXXX then mentioned that there would be a One time fee of {$170.00} for processing etc., which we were also okay with.
There was an issue and she could not print the documents for signing right there but told us that they would be emailed and we could sign, but that everything we discussed would be the same on the documents.
Then XXXX told us that we would have online access and a debit card for this loan, its been over a year and we are yet to receive the debit card nor have access to the credit line, even after many requests to her and even other managers ( other managers after XXXX left the Bank ). Fifth Third uses a point system for their employees that they have to meet on a monthly basis, this is what causes deceptive lending practices and fraud ( our XXXX used to work for XXXX XXXX ) Needless to say, month after month after month the rate keeps going up, we are up to 11.07 % which is another thing, XXXX never said it was an adjustable-rate loan, she said it was a fixed rate. The one time {$170.00} fee is NOT a one time as they just took out the {$170.00} for this year, so this fee is yearly as long as we have the loan.
We would like this fraudulent and deceptive issue to be investigated and the loan to go back to we were originally told including removing the $ XXXX yearly fee and/or forgive loan.
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| 07/07/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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Receive a cordial greeting.
The present is to report the first days of XX/XX/2019, I was a victim of fraud in my savings and check accounts that I have with 53 Bank. My accounts were emptied. more than {$20000.00}, stolen.
Account information Name : XXXX XXXX by XXXX Accounts summary, Numbers : XXXX XXXX XXXX ; XXXX XXXX XXXX, I am currently in XXXX To summarize the process : " On XX/XX/2019, I was sent a debit card to the address of my home that I have registered in my accounts. For the day today I have not received it. I don't know who took the card, and on XX/XX/XXXX they started to make withdrawals at ATMs, repeatedly for more than 15 days. I have a phone number associated with my account in the United States which is XXXX XXXX, in this I did not receive calls from any representative of the bank alerting the situation or asking for authorization to make the cash withdrawals from my account.
I have an email associated with my accounts which is XXXX, in this I do not receive fraud alerts, notification of card activation, any notification that would alert me what was happening with my money. Only as of XX/XX/XXXX I begin to receive low balance notices in my accounts. It's that moment is that when I communicate with the bank. '' The number of cases are as follows : Savings Dispute : XXXX - Cheque Dispute : XXXX Therefore I do not recognize withdrawals or charges to my account, because I do not have a debit card, I do not request a card activation to anyone, do not speak to the representative of the bank authorizing withdrawals, in addition to never receiving alert by mail or phone to stop the fraud that was being committed.
I also do not recognize charges that have been generated by overdraft, or under balance sheet because of fraud.
Please I need help, are my saving, I'm a senior person.
Thanks XXXX XXXX
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| 10/10/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Wrong amount charged or received
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Web |
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A wire transfer of XXXX from a XXXX Bank to 5/3rd bank in XXXX Kentucky was initiated on on XXXX. A typographical error caused the transfer to be rejected. The teller at 5/3rd bank, XXXX XXXX XXXX, was placed in direct contact with the XXXX Bank. XXXX XXXX instructed the XXXX institution on the exact name of the bank and routing numbers to use in the second attempt at the XXXX wire transfer which was placed on XXXX. The information provided by XXXX XXXX resulted in the monies being routed over an intermediary bank, XXXX XXXX. The wire transfer failed and a subsequent Federal Reserve investigation ( attached ) revealed 5/3rd rejected the transfer due to 5/3rd as " XXXX - No Account / Unable to locate Account ''. On XXXX XXXX was returned to the XXXX account after the failed transfer. A third attempt at the transfer with the exact same information resulted in a successful transfer.
5/3rd was contacted via telephone to understand why a difference of XXXX was returned. The customer service agents hung-up on three consecutive phone calls. On the fourth phone call, a customer service representative named XXXX XXXX asked if I was familiar with wire transfer fees. When I responded affirmatively she tried to explain that the difference was a fee. When I pointed out that a {$750.00} fee for an unsuccessful transfer was a bit outrageous, she terminated the phone call.
Multiple contacts with XXXX and her manager XXXX XXXX, XXXX at 5/3rd in XXXX, Kentucky resulted in not further information or resolution. An inquiry was started with XXXX XXXX with XXXX XXXX XXXX. After 1 month of seeking resolution, 5/3rd and XXXX XXXX became unresponsive and did not return phone calls or seek further resolution. The XXXX institution also attempted to contact XXXX XXXX XXXX, but he was unresponsive to their attempts at contact, as well.
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| 11/12/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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In XX/XX/2016 I applied for a Mortgage with Fifth Third Bank. XXXX was my mortgage representative. She ran my credit and saw my score was on the verge of a denial she thought and then said, I should bring it up a few points. After that she still submitted my Mortgage application. Apparently, I was approved for a possible Mortgage if I would of submitted the paperwork the underwriters were asking for. I have documentation in the form of Postal Mail from the 5/3 mortgage center asking for information. I am attaching a Email asking XXXX where should I send these papers, to her or to the address on the mail. She replied " we are waiting and just wait for a denial letter '' is your score over 600?
I waited and the property I wanted went up for sheriff sale.
I asked to reapply and XXXX told me that my students loans were too high. Since I had a {$0.00} payment she had to figure out what I pay normally. She came back with a figure of {$400.00} a month on one loan, and {$700.00} on another loan. My student loans are {$19000.00} and 1 % is the average for student loans a month. So I am attaching a email where XXXX stated " FHA '' figures this differently.
Now, I am at the office of the president asking for help from 5/3 bank. Well I am told that 5/3 wont buy " Sheriff Sale '' property.
I asked my local 5/3 bank manager and she stated they have plenty of times bought " Distressed Properties '' from other banks.
I feel that I was discriminated against because of the conversations with XXXX. She made it clear after I called the Office of the President that I got another department involved and there is not much she can do.
Then after numerous attempts to contact the office of the president, they finally blew me off and decided that I was not worth dealing with.
I am attaching a small portion of the evidence I have.
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| 10/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XX/XX/XXXX I had my property appraised. My certified appraisal revealed that due to the improvements I had made to my property that the value has increase substantially. I contacted my lender on XX/XX/XXXX to inquire about how to request the removal of my Private Mortgage Insurance premiums. I informed the lender about the recent appraisal. I was told to fax or mail a written request along with a copy of the appraisal to their escrow department. I complied and sent a formal written request for the cancellation of my PMI via fax on XX/XX/XXXX. I was told I would have a reply in 5 business days. After this time, on XX/XX/XXXX I called back to verify that my information was being processed. I was told that my information was never processed because I did n't have my mortgage number on the fax cover sheet. So on XX/XX/XXXX I resubmitted my written request via fax ( confirming the fax number ) and adding my mortgage number to the cover sheet and ensured that there was nothing else that I needed to add for the request. I also mailed a separate copy of my written request and copy of the appraisal to the address provided. On XX/XX/XXXX I called again to find out the status of my request. Once again I was told that my request had not been received or processed. The customer service representative then told me that it did n't matter anyway because I would not be allowed to cancel my PMI until XX/XX/XXXX regardless of my LTV or a subsequent appraisal if the appraisal was n't provided through my lender, despite the fact that I had a certified appraisal report. I was told XXXX separate things from XXXX different employees. My request was never acknowledged as received or reviewed. No notification was provided to me to indicate that more information needed to be obtained or that a lender requested appraisal was required.
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| 04/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have 2 secured credit cards with XXXX XXXX one for {$500.00} and one for {$300.00}. For the past 10 months they have only been reporting one credit card to XXXX each month making it seem as if one month I have a credit limit increase and the next month a credit limit decrease. When it should be showing on my credit report as 2 different accounts as I have 2 credit cards. I contacted XXXX XXXX and they mailed me a letter stating corrections had been made.. then again they did not report the next month it said credit limit decrease. I contact customer service spoke with a representative the. A supervisor XXXX explained my situation they said they would forward information the the credit card team In the back office to have information corrected called again a 7 days later asked for a manager I got XXXX someone higher than the supervisor. She said they were still working on it 7 days later I called and got a representive named XXXX I asked to speak to someone higher she said I didnt need to speak to someone higher because XXXX and XXXX were handling it. She got XXXX on the phone and I asked for a director or VP someone higher than her. She told me XXXX would call me which he never did.. I called again the next day and asked for XXXX I told her that XXXX never called me and that she needed to be sure to let him know that this is a serious SOX AUDIT COMPLIANCE issue that if I report them to the correct people the could be fined. XXXX called me immediately and said that he had found the issue and that he was working on it.. the next day the office of the OCEO contacted me her name was XXXX stated that she was taken over it has been 9 days and within the 9 days they reported incorrect information again making it look like a credit limit increase ... Im still waiting for them to call me back with a resolution
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| 03/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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To whom it may concern, On or about XX/XX/XXXX I received a notice from the Massachusetts XXXX that the registration for my XXXX XXXXXXXX XXXX will expire the last day of XX/XX/XXXX and that I could renew it online before that date. I tried Multiple times to complete this process and it kept coming back, unable to renew online. I called My insurance agent and they informed me that the XXXX was aware that my wife XXXX XXXX passed away on XX/XX/XXXX and the only way to renew the registration was to have my wife removed from the title. I called Fifth Third Bank out of XXXX, OH as they are financial institution that has the loan and lien on the title multiple times, including the title department and probate department to inform them that I needed my Wife XXXX XXXX removed from the title. I told them I would send them XXXXXXXX XXXX death Certificate and documents from probate court that I XXXX XXXX is the executor of her estate.They told me multiple times, that the only way to remove her was to pay the loan off in full or to refinance the loan. This is a complete act of cruelty and unfair practice this bank has put on me. Because my wife XXXX from XXXX at the age of XXXX I should never been put in this position. Fifth Third bank backed me into a corner and forced me to either refinance the loan with another bank at a rate of 4 % higher then what I am currently paying, or drain my bank account and pay the loan off when I just lost my wife and her income, More over I have an underage child that I need to take care of. I want this issue addressed and I also want it brought to the atttention of Congress. A simple Certificate of death should of solved this issue in a matter of minutes, but Fifth Third bank just destroyed my life even more than it already was due to the loss of my wife.
Sincerely XXXX XXXX XXXX
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| 07/03/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On XX/XX/2018, I received a phone call from Fifth Third Bank in regards to a late payment for my auto loan. I had called Fifth Third on XX/XX/2018 at XXXXXXXX XXXX to request assistance with that payment, but after a nearly 18 minute conversation with 2 different departments I came to the conclusion that there would be no benefit to having borrower 's assistance and I advised I would make my payment late. At the end of my conversation with the 2nd agent, she verified contact info with me including my phone number, but I did not express any verbal permissions to contact my number or repeal my written cease and desist notice I issued to their company 2 years prior. Today XX/XX/2018, I received a call from Fifth Third, I spoke with an agent that I feel refused to acknowledge that I had already issued a written cease and desist notice that is on file with their company. He stated that I would have to issue another letter to continue a cease and desist on my account while also advising me that during that time they await my letter that I was subject to be placed in a automatic dialer system, which I advised that I did not give permission to be in. I don't recall receiving this man 's name nor do I recall being given any monitoring disclosure or mini miranda for debt collection. I asked for a manager and I spoke to another man named either XXXX or XXXX, whom acknowledged and verified that I had a written cease and desist oh file and stated that per their policy that notice should not be removed unless I have sent a written request to resume contact, which I haven't. During this conversation, this manager also acknowledged I was correct and he understood that this call was a violation of FDCPA and CFBP while assuring me that something that shouldn't have happened today will not happen again in the future.
|
| 04/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Under the Homeowners Protection Act, my mortgage holder is required to end PMI insurance once my principal balance falls below 78 % of the original value of the property. Fifth-Third Bank is my mortgage holder.
I reached the 78 % number more than 3 years ago ( I will do further research to determine a more precise date ) but Fifth-Third insists I have to request PMI be ended. By law, that is true at 80 % of principal, but at 78 % I am not required to take any action at all. I have documents sent to me by Fifth-Third that say, " PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' I can provide this documentation.
My mortgage loan has been set for auto-pay since its inception and I have never had a late payment or missed payment. My loan has been in good standing at all times since its inception.
The paper statements have hidden the existence of the PMI payment within the bucket of escrow items. Whether that is intentional or not I can not say, but it is at the very least suspect. I discovered the PMI payments in the online portal, where it is itemized. Upon review, the PMI is also documented in my form 1098 where it lists an annual cost of {$480.00} per year. I believe I am owed more than {$1400.00} in illegally collected PMI payments by Fifth-Third Bank.
I have screen shots of a conversation I had with an agent of Fifth-Third as well as the person who took over the chat when I requested escalation. Those screen shots ( dated today XX/XX/2023 ) show the bank was made aware of the law, the timetable of the issue and their own documentation that matches federal law. They were unwilling to take any action unless I made a written request. This is in violation of the Homeowners Protection Act.
|
| 05/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth Third Bank purchased and took over my mortgage on XX/XX/XXXX. They did not have proof of flood insurance, so they placed flood insurance on our property. We however did have flood insurance through our XXXX. We provided proof in XX/XX/XXXX, but the insurance agent only sent over proof for a few months. We we had the insurance agent send over proof for the remaining months.
Fifth Third Bank has indicated they will not send the money back, but instead apply it to Escrow, for which they claim we owe more money. However, after walking through the situation with help representatives, they come to realizes they actually do owe us the money back. I've ordered two escrow analyses ( one in XXXX and one in XXXX ). However, the bank is still refusing to pay us the amount we over paid. When I speak with someone from Fifth Third 's insurance department, they tell me we have been credited back the {$4800.00} ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). But to their surprise ( Fifth Third 's own insurance department employees ), the two payment amounts reimbursements are showing up on our statements.
So, the bank says here is this product ( insurance ) that is XXXX. We say " no thank you '' we have insurance. Please give us the money back. The bank says no.
Escrow tells us it's an insurance department problem. Insurance department tells us it's an escrow department problem.
I am filing this complaint on XX/XX/XXXX. Fifth Third Bank has kept our {$4800.00} for three+ months. I am on the phone with Fifth Third and they still refuse to send the money back to us. PLEASE HELP. {$4800.00} is a lot of money my family could have used to avoid financial hardships. How do we get our money back? How do we get reimbursed for financial damages caused from Fifth Third retaining money they should have not retained?
|
| 12/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I send a commission check to my XXXX XXXX XXXX but the check was returned by fifth third bank due to non sufficient fund on XX/XX/2022. Therefore, my realtor notified me and asked me to send another cashier check, which i did on XX/XX/2022.
However, i noted my first check was cashed by XXXX on XX/XX/2022, in addition, {$25.00} fee is also posted to my checking account. I called XXXX and my realtor, XXXX mentioned that fifth third bank send them to collect the return check. But my realtor was not aware of this, which is the reason to ask me to send another check.
The issue is when i asked for the refund of {$25.00} XXXX XXXX XXXXXXXX and fifth third bank won't discuss with me as i am not their client, even though the money was deducted from my checking account.
I am filing the complaint for the issues below : XXXX. During XXXX firth third announced to eliminate the XXXX starting from XX/XX/2022. However, i was still charged for the fee through a XXXX party ( below is their announcement on the website ).
Fifth Third Bank , National Association, announced that effective XX/XX/XXXX it will eliminate non-sufficient fund ( XXXX ) fees for all consumer accounts. Fifth Thirds elimination of all XXXX fees is the Banks most recent step to reduce punitive fees and focus on the best outcomes for customers.
2. Neither my realtor ( client of fifth third bank ) or me ( the issuer of the check ) was informed that the returned check was sent to a XXXX-party collector with fee included. Therefore, I had to purchase a cashier check per my realtor 's request.
Therefore, I would like to be refunded for the {$25.00} NSF fee and compensated for the cost and time to get the replacement check for my realtor, as neither of us knows the first check will be cleared and collected.
Thanks!
XXXX XXXX XXXX XXXX
|
| 09/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
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Wish to report a Reg X violation on Fifth Third Bank.
We closed on a home mortgage for our property. The estimated Escrow was $ XXXXmonth.
Our estimated taxes and insurance for the year are projected by Fifth Third Bank to be $ XXXXyear. Our receipt of the Proposed XXXX Tax Assessment is between $ XXXX {$4500.00} with a current insurance premium of {$1400.00}, which would put our XXXX & I range between {$5700.00} and {$6000.00} which is considerably less than Fifth Third 's estimates.
We had put down {$4700.00} to escrow on closing. Fifth Third Bank is charging us $ XXXXmonth in escrow. With this value, we will pay approximately {$22000.00} over 12 months for escrow to cover an ~ {$8400.00} Tax and Insurance bill ( using Fifth Third 's higher estimate ). This value is well in excess as allowed by Regulation X 's 12 CFR 1024.17 ( c ) ( 1 ) ( ii ) regarding the amount per month they are charging that is well in excess of the XX/XX/XXXX of the annual amount plus 2 months of buffer. This is even well of excess of the XXXX max limit allowed by regulation.
I had contacted them on XX/XX/XXXX and requested an escrow analysis. It was declined since they would only perform a new one if the tax projections changed. I called again on XX/XX/XXXX and spoke with an escrow agent and their manager. They both walked through the numbers and said it was high, but the values " were accurate '' even though the manager could not make the numbers work. I asked again to do an escrow analysis, but she said it would most likely be denied again unless the tax projections changed, and I would have to wait until XXXX of next year.
Their initial books said that when they acquired our mortgage from another company that they would perform a new escrow analysis within 90 days of Fifth Third Bank taking on the mortgage.
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| 03/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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Fifth Third Bank is in possession of my loan ending in XXXX. I have not received calls on the delinquency ( the Bank stated they called on XX/XX/XXXX but no voicemail was left ) and have not received an email from this company since XX/XX/XXXX. I tried logging onto my online account to make a payment yesterday evening and this morning and couldn't log in. When I tried to call the bank this morning they were still closed and my account information wouldn't be accepted to make a payment. Shortly after trying to make a payment this morning my car was repossessed. I am only two payments past due ( 63 days ) and the last notification I received in the mail was XX/XX/XXXX, which did not state anything about the repossession of my vehicle if I didn't make a payment. When I called the bank for assistance this morning, letting them know I could make two payments today, and another next week, they refused to take the payment. They stated I must pay {$770.00} by certified funds in order to get the car back within 10 days. When I inquired about hardship assistance due to my partner being out of work due to XXXX, just having a child, and I was out of work due to an XXXX, they stated unfortunately I have to be current and made consistent payments for 90 days to even get assistance. This makes no sense and seems predatory when I am literally telling the bank we are experiencing a hardship. When I asked to speak with a manager this morning I was told they were having " computer '' problems and that I could leave a message. I would like this banks predatory and deceptive collection practices investigated. I would also like to point out that at no time was I informed on my billing statement or over the phone that Fifth Third is attempting to collect a debt ( aka they didn't provide the collection mini miranda ).
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| 04/13/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Older American |
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This problem concerns Regulation E and disclosure requirements regarding electronic debit and credit transactions. My bank is Fifth Third Bank. The account at Fifth Third was previously handled by XXXX XXXX and other institutions. As part of my regular account transaction activity, I receive Social Security deposits, transfers from another financial institution, dividend payments, and make EFT payments for natural gas, health insurance, life insurance, etc. As part of my account package, I received monthly paper statements via postal mail through XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I did not receive mailed paper statements. Further inquiry into the situation found that I was set up for paperless statements, something that I never authorized. At the time of this " missing statement '' inquiry, I was also informed that the bank would charge {$3.00} per month for paper statements. I never received prior disclosure that the bank was going paperless. I am an senior citizen and do not want online banking and do not have a smart phone. I thought it was my right under Reg E to be notified about electronic funds transactions within 30 days of occurrence. I also thought that I am to be notified regarding changes in account practices by a bank if they choose to charge for basic services. I typically maintain a {$1500.00} balance in my account and have a loan at the bank that is paid monthly to avoid additional checking account fees. Please let me know how this bank was able to make unauthorized changes to my account, stop notifying me of the electronic debits and credits, and create a new service charge routine from what was not previously in place without notifying me. I am very comfortable with the local branch management and believe that these problems originate from corporate office decisions.
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| 10/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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The following is a simplified version of a very convoluted story : Fifth Third Bank purchased my mortgage from XXXX, a XXXX XXXX roughly in XXXX of XXXX. The management of my escrow account has been a nightmare. I changed my home owners insurance carrier from XXXX to XXXX effective XX/XX/XXXX, informed Fifth Third XXXX Department of this and asked them not to pay the XXXX account, but XXXX instead. I was assured by phone this would happen and not to worry about it. In spite of this assurance Fifth Third paid both policies duplicating my home owners coverage and raising my monthly payment from {$1300.00} to {$1700.00}. This was of course a hardship. I intervened, and after much work on my part received a refund from XXXX. In one of my many calls to Fifth Third XXXX Department I asked for an investigation and explanation of how and why this happened in spite of my best efforts to head it off. I never received my request. In another call the person insisted that the inadvertent payment never occurred!
As a result, of Fifth Thirds mismanagement of my escrow account in XX/XX/XXXX I requested to manage it myself. To summarize, I ran into a buzz saw of confusing red tape and futile phone calls consuming hours of my time. Amid the confusing fog of many contradictory phone calls, irrelevant letters and emails sent to me by Fifth Third I have been told that I am meet the requirements to manage my own escrow. I have paper copies of all of this and can through documentation of this complaint if required. It is now XXXX and I still do not have control over my Escrow account despite being assured that I qualify. I have spent hours and hours in phone calls, writing letters and emails and get nothing but confusion and then silence for Fifth Third. I want to be released from this nightmare. Please help!
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| 08/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Ok so I look in my account and I notice that there is about a XXXX difference in what should be there. So I look through the transactions and there is one for XXXX. A withdral slip like I walked into the bank and took funds out of my account. I had already received several letters from the bank advising that my ID and address were updated. I have had the same ID number since I been driving and the same address for 30 years. I call the call center and get the run around, finally someone told me what branch it was done aat and i call the bank mgr. I speak with them and they " oh its a banking error '' and put it back. My daughter tells me, that's a teller or someone who works there because who else can change your address and ID number, you cant even do it. I said all is well and left it at that corrected it.
Another month goes by and this time its XXXX and i go to the bank, when I do I can see the screen and the person comparing the last time and this current time, as well as they got my signature. They saw that it was not me, I asked for the tape as well, never got it. I am seeing at this point what legal actions I can take. They assured me I would get my money back and the account would be closed I then get a deposit into that account that SSA gave me for XXXX. I call them cause I notice my account info has not been corrected and was told that they can move my money to my new account as a courtesy. Then I was told all of these fees Im going to be charged. I have banked with this bank for yearsssss. Once this is all said and done I will be closing out any and all accounts that I have with them I want my XXXX as well as my XXXX from SSA. I also want an apology and I want the tape that shows me or whomever going in the bank because I want them prosecuted to the fullest extent of the law.
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| 04/25/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On XX/XX/XXXXmy 5/3 college checking account was debited $XXXX for an "account dormancy" fee but I never received any notifications, phone call, or email from 5/3 regarding this. I emailed their customer service and XXXX XXXX replied with this message:
"Thank you for contacting Fifth Third Bank. Your checking account ending in XXXX has become dormant. Electronic transactions cannot be performed to or from dormant accounts. Please consider making a mobile deposit, visiting a local Banking Center to make a deposit into the account, or withdrawal from the account.
You may refer to the branch/ATM locator on the www.53.com website for Banking Center addresses and telephone numbers. It can be found on the top right corner of the homepage.
According to the Dormancy Rules and Fees in the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet:
"An account becomes dormant after a period of inactivity of 12 months for a checking account and 36 months for a savings account. Inactivity means there has been no deposit into, or withdrawal, from the account. See the Fee Schedule contained herein for the fees associated with dormant accounts. Bank reserves the right to close an account if there is a XXXX balance and no activity for a period of time."
Once an account becomes dormant, a statement is sent notifying you that your account has been placed in dormant status. In addition, an annual statement is sent to all accounts in dormant status in XXXX of each year.
The dormant account monthly fee is $XXXX."
When I tried to withdraw my funds so I could close my account, I discovered it was impossible. Also going to a local physical 5/3 branch is impossible now due to coronavirus. So essentially 5/3 is holding my funds hostage and at the same time robbing me of my own money.
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| 12/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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XX/XX/XXXX I paid off our auto loan with Fifth Third Bank using the final coupon from the coupon book given at the time the loan was started. This vehicle was paid off 14 months ahead of payment schedule. The date of final payoff in the coupon book is XX/XX/XXXX. I waited for 2 months to receive the title. The first part of this month ( XX/XX/XXXX ), I called Fifth Third Bank. I did not get the name of the person I talked to. I was told that even though I paid the loan off 14 months early, I still owed {$96.00} plus {$.00} interest per day until that was paid. I asked why if I had a coupon book, and I made the final payment based on the payment schedule, why would I owe more. I was told the coupon was simply an estimate and at the time of a final payment I would be advised the additional amount owed. My complaint is twofold - ( 1 ) I was not advised at the time the loan was taken out there might be more owed than what showed on the coupon book & ( 2 ) if this is valid, why when the bank received my final payment would they not advise by letter or telephone call that there was more owed -- I had to make the call 2 months later which increased the final amount owed ( if this is a legal way of doing business )? We have had many auto loans and never have dealt with such a underhanded way of doing business. Any auto loan we have had, once the final designated payment was made, a clear title was sent out immediately. I finally received a letter from Fifth Third Bank which indicates the amount owed and that {$.00} interest would be added daily until they received the final payment. I want anyone who deals with Fifth Third Bank to know that you can not trust their business practices. And I would like to know if I have any right to recover the {$96.00} plus {$.00} day interest accrued on my loan.
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| 05/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My mortgage lender is Fifth Third Bank ( 53.com ). Please see the email below, which I sent to the banks executive team this afternoon. It contains all pertinent details regarding my complaint.
Good afternoon, All, I am writing to express my complete and utter frustration with your loss mitigation practices. To be frank, I feel as though your team did not honor the hardship agreement that was finalized in XX/XX/2023. Consequently, I have every intention of filing an official complaint with the Consumer Financial Protection Bureau.
I was contacted by a member of your loss mitigation department today because your records indicated my mortgage was in default. However, I had entered into a three-month forbearance agreement with 53 in XX/XX/2023. As I understood it, the payments due for the months of XXXX, XXXX, and XX/XX/2023 would be divided and added to my next six payments. I was fully prepared to honor this agreement.
Unfortunately, your representative informed me that a repayment plan was never created by your team, and now he had to review my financials again to see if I qualified. Even though I have secured a new, six-figure job starting XX/XX/2023, I was told I did not qualify for the repayment plan due to my total household expenses. Therefore, I either had to remit full payment to reinstate the loan OR pursue other options such as short sale.
I remitted the full $ XXXX today under duress. While I am thankful to have been in a position to do so, I can not help but wonder how many of your other customers have experienced similar issues. Would I have lost my home had I not drained my savings account to remit the payment? Not only is failing to honor the repayment plan unethical, I believe it borders on predatory lending practices for which I will ask the CFPB to investigate.
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| 04/21/2015 |
Yes |
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Web |
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Opened up secured visa account with Fifth Third Bank. I was told only XXXX credit report would be pulled on my credit file. Fifth Third Bank Credit Department as well as XXXX XXXX XXXX, Assistant Vice President, XXXX Manager XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, Illinois XXXX. NMLS # XXXX. Telephone number XXXX. Fax number XXXX XXXXXXXXXXXX, assured me only XXXX credit report would be filed. On XXXX XXXX, 2015 a credit report was pulled, then on XXXX XXXX, 2015 an additional credit report was filed without my authorization or my signature. I contacted Fifth Third Bank, immediately, to have the issue resolved. To this day XXXX credit inquiries still remain on my credit files. I contacted XXXX Credit Bureau, to find out what the procedure was to have Fifth Third Bank, remove the XXXX unauthorized credit inquiry. XXXX XXXX Credit Bureau, stated to me, Fifth Third Bank needed to write a letter stating that XXXX of the credit reports was in error. Of course, Fifth Third Bank, as yet to follow the process and continues to violate my fair credit rights. In addition, I, XXXX XXXX XXXX XXXX have written XXXX - XXXX letters to the attention on XXXX XXXX XXXX, as well as made numerous telephone calls requesting to have the unauthorized credit inquired removed. But, to no avail, I have not had any success in having the unauthorized, unsigned credit inquiry removed. I have been getting nothing but the run around, costly expenses of my time and effort. The unauthorized inquiry cost me XXXX points, costing my credit score damages. Fifth Third Bank is damaging my credit report, by making my credit report appear as if I applied for XXXX different loans, which makes another lender look as if I am shopping for loans and being denied. This is a federal violation, against my fair credit act.
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| 05/17/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem making or receiving payments
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Web |
Older American |
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I have Fifth Third checking and savings accounts and also a safe deposit box. I use Fifth Third 's Bill Pay Service regularly. One of my accounts registered within bill pay is XXXXXXXX XXXX.
I scheduled a {$2000.00} payment to be made to XXXXXXXX XXXXk through Fifth Third 's Bill Pay product. Instead of Fifth Third sending the {$2000.00} payment to XXXX XXXX, they sent the payment to XXXX XXXX. I do not have XXXXXXXX XXXX listed on my bill pay service through Fifth Third. I don't know where they got the info to send the payment to XXXXXXXX XXXX
When I saw on my account that a {$2000.00} payment had been sent to XXXX XXXX I called Fifth Third and asked them to make the correction as this was their error. They said there was nothing they could do and I had to call XXXXXXXX XXXX and figure it out on my own. This error was clearly the fault of Fifth Third and they should have rectified their error. They refused to do so.
I just spent the last hour on the phone with XXXX XXXX to attempt to get the {$2000.00} payment mailed back to me. They explained the misapplied payment has to go back to Fifth Third electronically and then to my account the same way it came out.
I do not trust Fifth Third to redeposit the {$2000.00} back to my account when they receive it from XXXX XXXX. Please conduct an in-depth audit on how Fifth Third does business, how this horrendous error could have occurred, and why they require the consumer to rectify their errors. {$2000.00} might not be a lot of money to some people but it is to me.
Fine Fifth Third substantially if you can, and require them to rectify their own errors instead of having the consumer take off work to fix Fifth Third 's mistakes. In addition, please require them to immediately redeposit the {$2000.00} back into my account.
Thank you
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| 09/19/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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On XX/XX/2023 around XXXX XXXX, I noticed in my 53 bank account activity that 3 of my checks had not properly cleared, Check XXXX, XXXX, and XXXX. More importantly, I noticed that Check XXXX had been processed by my bank for a fraudulent Amount of {$2900.00} to a XXXX XXXX. Date on check was XXXX. XXXX XXXX
I don't know for certain what happened but this check had clearly been stolen from the mail or from the banks offices, washed, and a new payee and amount had been written onto the check. It was clear that this check was fraudulent if even the most minor of checking was in place.
On XX/XX/2023, I first contacted 5/3rd online fraud center and was told to contact my local branch to file a report. I contacted the branch office of 5/3 bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a fraud report with them giving all the necessary details to file a fraud report. They gave me the number for XXXX XXXX XXXX XXXX She said it could take between 30 and 180 days.
On XX/XX/, I contacted the XXXX Postal Police at XXXX, I had dropped the checks with the USPS in XXXX, so I thought they might have been stolen from there. I filed a police report and provided that report to my bank.
Since then, I have contacted 5/3r multiple times, including XX/XX/XXXX in which they said they were waiting on XXXX XXXX to respond to their complaint.
I again with 5/3 bank yesterday, on XXXX and the complaint is still being processed.
Anyways, this seems like a situation where FDIC insurance or the banks insurance should kick in as money was directly stolen from an insured checking account and my funds should be restored.
I have been a customer of 5/3rd bank for more than 20 years, never filed a complaint, and this is how I have been treated. Imagine how they would treat a new customer.
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| 06/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Dear CFPB, I am requesting my case number XXXX, be reopened and reviewed.
As I stated in my original complaint, I received a 1099-C from Fifth Third stating the amount of {$60000.00} of debt was XXXX XX/XX/XXXX. This amount has never been applied to my mortgage loan, yet it has been reported to the Internal Revenue Service.
See the attached 1099-C, mortgage statement dated XX/XX/XXXX and, mortgage statement dated XX/XX/XXXX. After reviewing these documents, you will see the {$60000.00} was never applied to my account. Note, a payment of {$25000.00} from the Michigan Homeowner Assistance Fund was accepted.
This week, I received the attached letter from XXXX XXXX, showing my mortgage has been sent to collections. Fifth Third has closed my mortgage assistance modification application stating I have not submitted the required documentation. This is not true. In fact, my HUD Certified Housing Counselor, XXXX XXXX, spoke with a fifth Third representative, XXXX, on XX/XX/XXXX. XXXX was told all requested documents were received and now the application was under review.
Also in XX/XX/XXXX, Fifth Third representative, XXXX, told my HUD Certified House Counselor, XXXX XXXX, that she did not know why the {$60.00}, XXXX of debt cancellation was no it applied to my account. XXXX said she will have her supervisor call XXXX with information on this. To date, XXXX has never received a call.
If the cancelled amount of {$60000.00} is applied to my account this month, my mortgage will be brought current.
My home is all handicapped accessible set up to accommodate my XXXX XXXX XXXX children and I can not lose it. I have the income to make the monthly mortgage payments moving forward.
Your assistance in this matter is very much needed. Thank you for your consideration. Thank you., XXXX XXXX
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| 10/07/2021 |
Yes |
- Credit card or prepaid card
- Government benefit card
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- Trouble using the card
- Problem using the card to withdraw money from an ATM
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Web |
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On Sunday, XX/XX/2021 I went to the ATM of the fifth third branch at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. The ATM kept my card and then displayed " This ATM is temporarily out of service ''.
I went to branch XXXX minutes after it opened the next day to retrieve my card. I was he only person sitting in waiting area to be serviced and now came. I noticed a technician entered the building to repair the ATM ( He announced he was the technician based on the conversation with a teller ). At that point I stood in line, since no one assisted me for the past XXXX minutes while sitting down. Waited another XXXX minutes when there were XXXX tellers and XXXX customer. Finally a teller by the name of XXXX asked how she could help. I gave her my drivers license I.D . and informed her that their ATM kept my card yesterday and I was here to retrieve it. She asked " was it a fifth third card? ' I said " no but I've used this card at fifth third ATM 's for the past 8 years with no problem. '' She said " I cut it up. '' I responded " WHY DID YOU DO THAT? '' She said " if it's not a fifth third card, we cut them up because we have no way of identifying who's it is. '' That action reminded me why I closed all my accounts at that bank 20 years ago. On the surface they look good but they are still doing things the same way as years ago. They could have looked at my identification or even called the company to verify my identity. They did not want to. You don't destroy a card ( anything for that matter ) that does not belong to you. Then she had the nerve to suggest me to contact the card maker, as if I didn't have enough since to do that.
If fifth third was the last bank on planet XXXX, I would not use their so called services.
Whatever type of resolution or retribution is available ... ... .I want it!
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| 01/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I bought a house XX/XX/XXXX. I opened an account with XXXX internet services in XXXX, Virginia for the house i was moving in. I set my account up with autopay like i do all my bills and they took monthly payments out of my account of {$54.00} like authorized. They made a mistake when i set up my autopay over the phone after having fraud on my account and charged me {$100.00} in XXXX. I called XXXX and they refunded me the {$50.00} for overcharging me in XXXX but then in XXXX they charged me a payment of {$160.00} and when i called XXXX they said it was because they never received a payment from me in XXXX. That is negative i have bank statements to prove that i paid them every single month. I explained to them everything and they removed the fees and refunded me {$63.00} but would not refund me the rest of my money because they kept saying that i owed them because i did not pay them in XXXX which is not true. So $ XXXX {$63.00} = {$100.00}. They owe me {$50.00} since i pay {$54.00} a month and they charged me {$100.00}. I disputed the {$160.00} with Fifth Third Bank after explaining to Fifth Third what happened and walking through each month to confirm all the payments that i made. In XXXX I continued my {$54.00} payment as scheduled and when XXXX refused to give me my money back i closed my account with them and paid my remaining balance in XXXX of {$14.00}. I still have not received the {$50.00} that XXXX owes me and Fifth Third canceled my dispute even after all the evidence that i sent and the proof of my bank statements. I attached all the bank statements of XXXX. I can not access XXXX XXXX Bank statements from my mobile app since it only shows me XXXX bank statements but i attached a screenshot i took a year ago to prove that i had made those payments in XXXX, XXXX, and XXXX.
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| 02/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I had a loan with 5th 3rd Bank. In late XX/XX/XXXX, I saw what my loan payoff balance was. The current payoff balance was {$2600.00}. I sent an electronic payment for that exact amount, and it cleared my checking account on XX/XX/XXXX. I logged into 5th 3rd 's website On XX/XX/XXXX to be sure that I didn't have a balance. I understand that interest accrues daily and with the XXXX XXXX 's holiday, it might take a little longer for my payment to clear. So I would have been fine with owing a little bit of interest. As an aside, most quality banks let the consumer know how long the payoff balance is good for, but they don't do that.
When I logged into 5th 3rd on XXXX XXXX, I was able to log on, but there was NO account listed. I had NO account to check if there was interest owed. I took this to mean that I owed NO money and they closed the account.
On XX/XX/XXXX, I received a piece of mail from 5th 3rd bank. I was expecting it to be my car 's title. But instead it says that I am LATE with my payment of {$12.00}. I logged into 5th 3rd immediately, and wonder of wonders, I had an account again. It said that I now owed {$2.00} interest and a {$10.00} late fee because the {$2.00} was due on XX/XX/XXXX. Clearly if I had known I owed additional interest, I would have paid it. But my account was CLOSED. They opened it back up to charge me interest and late fees.
It is a matter of principle now. I don't owe them any more money, and I want my car 's title.
Incidentally, I paid off a second car loan ( at a different bank ) at the same time. XXXX Bank thanked me for my business and sent me that car 's title within a month. I really don't like 5th 3rd banking practices, which was part of my motivation for paying off the loan. I wanted nothing more to do with them. And I thought I was done.
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| 04/04/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
Servicemember |
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Hello my name is XXXX XXXX my social security number is XXXX the reason for this complaint is that I have been a member of fifth third since XX/XX/XXXX of XXXX I open up a savings account and a basic checking account I set up bill pay for items to be automatically paid out of my checking account. XX/XX/XXXX I graduated from a basic to an essential checking account based upon good account activity The problem comes in where fifth third Bank risk Management department decided to restrict my account XX/XX/XXXX of XXXX and later closed my account 60 days after that date There has been a domino effect of problems that have occurred because of the restriction to my account there were checks still going out for my account that needed to be stopped but I could not because I had no authority to do so my own account I contacted the corporate office of fifth third Bank and my contact person was XXXX XXXX and her supervisor pet which is a compliance officer with regulations I have had broken promises wife both XXXX XXXX and other individuals in the fifth third Bank family andthere 's still no resolution to my problem and the past 70 days I have contacted fifth third Bank numerous times for Domino affecting things that happened because of account my account was restricted the two checks that was going out automatically by bill pay was not stop there for the entities try to cash the checks which there was nsf 's and late fees that they require me to pay I am for the corporate office numerous times about the issue of me not having control over these checks going out I have asked numerous times could they give me a better reason other than account activity so I will know how to not do whatever it was that I did to put me in this predicament and there's still no resolution as of yet till this day
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| 09/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Issue has be on going for almost 6 months with no real resolution insight. Fifth Third Bank closed my account and is keeping my money for their investments use but will not return my money nor give me access.
XXXXSigned up online for checking account and funded the account {$500.00} via online from my bank account. XX/XX/23. Received email stating my debit card had been activated, though I never received the card. Called customer service about unauthorized debit card activation, was told to come into a branch to verify my identity. Informed them that is was not possible because I live in KS and the branch they suggested was in Indiana. XX/XX/23 Received letter in mail stating the account would be closed. XX/XX/23 Called customer service about deposit being returned due to the account being closed. During the call I was transferred to local branch in Indiana, and was giving the same irrational answer of flying into Indiana just to show someone my ID even though I have no account with them at this time.
XX/XX/23 Called customer service to speak to upper management about situation only to be transferred back to fraud department. Representative informed me of the option to email ID and SS to get verified by Indiana branch. Rep said she would note my account of the matter so Indiana branch manager could better understand the situation. Called Indiana branch never spoke to branch manager because called was screened by a rep who rememberer my call from months ago of same issue. Indiana branch refused to accept their own suggested solution of emailed copies of verification.
Bank still wants me to fly out of town to go into branch to show a teller my id. Upon showing my ID, I still wont get my funds on demand because they will be mailed by check in 7-10 to my home in XXXX XXXX XXXX
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| 01/05/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem making or receiving payments
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Web |
Servicemember |
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A deposit for my husband was allowed on my account for the amount of XXXX on XX/XX/2020. My husband has recently had another deposit sent to my XXXX account in an amount of nearly XXXX. They have been holding these funds. I have called many times to resolve this issue, I have asked what I need to do to have the payment added to the account since I am the primary holder and his name is not on the account. I have asked the to return the funds to the Veterans Government so they can deposit it into his account. I have explained that his money of XXXX had no issue being deposited into my account, but yet they can't allow this because it is in his name not mine, it is over the limit of XXXX allowed for daily deposit, but yet they can't explain how the first amount went thru no issues. I was told they will send the payment back to the payer but yet that has not been done, on the end of the 5 business days I have been waiting. Then I was told again they will send it back to the government but it will take 3-5 business days. I keep getting hung up on, ask to speak to someone that can properly help me and get the same run around. I will be placed on hold and then they hang up. They are playing with over 25,000.00 dollars of my husbands XXXX XXXX money and I can not seem to get anyone to help me get the issue resolved in any manor. They have been rude and non helpful. I had one agent that was actually helping and heard what I was saying and was attempting to help and we was disconnected. I called back waited the XXXX min asked to speak to that representative and was told they could not transfer calls like that. I offered to email the company in question documentation of my ID SS # Marriage License and Husbands ID to no avail. I even asked to add my husband they said I was unable to do so.
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| 07/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XXXX XXXX I bought a used car in XX/XX/XXXX and the financing department of the car dealership got financing with Fifth Third Bank.
I immediately went to their website to sign up for automatic payment for my car payment. I printed off the form, filled it out with my bank info and faxed it back to Fifth Third.
On XX/XX/XXXX i received a confirmation letter that my auto payments have been set up.
On XX/XX/XXXX to be sure my payment would be take on XX/XX/XXXX ( my first scheduled payment ) I did a chat on the Fifth Third bank website with their representatives and after some initial confusion ( on their part ) they assured me that indeed my payment would be taken out on XX/XX/XXXX.
Today I went to the website to check on my loan and was met with IT LOOKS LIKE YOU MISSED A LOAN PAYMENT.
I have screen prints from XX/XX/XXXX conversation chat I had with a Fifth Third representatives who verified my XX/XX/XXXX payment would go through as it was set up and per my confirmation letter.
Today I asked for a supervisor at Fifth Third Bank and XXXX got on the line and said my first payment would be made on XX/XX/XXXX and that I could make a payment now and still be on time because of a " grace '' period.
This bank is nothing but a fraud. I have never worked so hard or spent so much time trying to get a payment made on time. I told them I would be contacting the XXXX of Banks to file a complaint and XXXX said " ok ''. ( I now know it's CFPB ) Please help. I did not give them any payment today because they assured me they were taking the payment on XX/XX/XXXX. I want them to do as they assured me and not lie to me. They need to make this right. If they can lie about my XXXX payment, why not lie about my XXXX payment? Meanwhile they will destroy my credit.
Thank you XXXX XXXX
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| 02/02/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Overdraft fees are being charged on this account, for many years, even on one-time debit transactions, though I have never opt-Ed in or out of overdraft protection.
This is a business checking account that has been continuously active for more than 10 years..over the years I have made some financial errors causing my account to be overdrawn. As a result, i have incurred a lot of overdraft fees.
I have recently learned that the Overdraft Protection Law of 2010 states that since I never opt-Ed in to overdraft protection, these fees should not have ever been charged. Im not proud to say that over the years, this has probably happened over 100 times, so I am looking at a few thousand dollars that has been illegally been charged.
My bank has told me that because this is a business checking account, that they are required to pay these transactions. However, in my research, I do not see any special rules for a business account versus a personal account.
Again, this is happening on all types of debit transactions, including one time transactions. Some, but very few of my fees have occurred due to automatic payments and checks, which according to my research, are the only types of transactions that a bank is allowed to charges overdraft fees on, when a customer has not opt-Ed into overdraft protection.
My bank will authorize and pay for nearly any transaction, even if there are insufficient funds. Many times I have made a purchase thinking I had sufficient funds when I did not. My account will then be negative with these pending transactions, and as long as I fund the account before those transactions clear, I avoid the overdraft fee. However, sometimes I am unable to fund the account in time, and this is when fees occur. The majority of my fees are a result of this process.
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| 02/24/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I opened an account with Fifth Third through a car dealership when purchasing a car in XXXX. They did not allow online payments, or balance updates at that time. They only sent a paper " coupon book '' which I was supposed to use to make check payments on my own. In the interest of insuring the loan was paid on time and consistently, I instead set up automatic bill payments through my own bank. For two years, I did this without any problems, but I never heard from Fifth Third with any updates.
After I moved to XXXX, I called several times to request a proof of title so I could renew my car registration in a new state. Every representative I spoke with assured me that they would have the proof of title mailed, but weeks went by and I never received it. Finally, on the third try, I received the proof of title. But the DMV said I also required a letter stating that I had the lien holder 's permission to register in XXXX. So I called again, and this time ( for the first time ) the rep said I had to go through an external site called XXXX. This extremely dodgy looking website is apparently utilized by several lenders, but it charges an additional fee of up to {$50.00} and takes 15-20 business days to process requests. Even though this seems like an extremely steep price for a simple letter, I would have gone through the site as requested if they had only told me about it two months prior.
Also, to make matters more confusing and disturbing, there is no mention whatsoever on Fifth Third 's website of My Title Support 's service. So I basically just have to trust the phone rep who told me that is the only way, instead of the other three who never mentioned it before.
I will be refinancing with another company as soon as possible, because I will not deal with Fifth Third anymore.
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| 09/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Fifth Third Bank violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
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| 02/20/2021 |
Yes |
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- Trouble during payment process
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Web |
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5th 3rd bank has committed fraud by back dating flood insurance a full year and attempting to charge me the full year even though the policy was only in affect from XXXX. I was notified that the flood insurance i had in place was not up to there code on XX/XX/XXXX and had 45 days to get the correct one. Time passed me by and I didn't give the correct Ins until XX/XX/XXXX so they force placed flood ins on XX/XX/XXXX for {$3100.00} which is nearly 10 times what I pay for flood ins for the year ( {$340.00} ). I have been told on multiple occasions that the full refund will come to me and that it is just processing and it will take 7-10 bus. days. It has been a month and only {$220.00} has comeback to me ( That is for the days I didn't use the forced placed flood ins for the year the document from the ins company says ) It said I used 339 days of the Ins even though it was in affect for only 7 days of XXXX. I have brought it up the chain to the resolution supervisor and was told by her that I would be getting the full refund back and have provided two separate documentation that they have requested. I was called back by her and said no we are not returning you the full amount and they did nothing wrong. They won't answer why they didn't notify me in XX/XX/XXXX that the flood insurance I had was not up to there code instead waited almost 11 months into the year thus being able to charge as much as they could if I missed the deadline. Plus charging 10 times what I have for flood insurance is just a complete and utter predatory and pure money grab business process. That charge was {$1100.00} more then what I pay for for property Insurance!!! By doing what they did it increased my monthly mortgage payment by $ XXXX dollars making it very difficult for me to pay my monthly payment.
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| 09/05/2019 |
Yes |
- Credit card or prepaid card
- Payroll card
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Web |
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I made a purchase on XXXX at for {$9.00} at XXXX XXXX CDT on XX/XX/XXXX. That is the last legitimate purchase I made on the card. I had a balance of {$270.00}. While I was sleeping the following transactions were made : {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX ending in a balance of {$4.00}. Then I have had notices of declined charges of {$21.00} at XXXX.
This continued with charges declined for {$6.00} at XXXX.
When I found the text messages with charges and balances, I called to report the card as compromised/hacked. I was told that the transactions were pending and would have to be complete before a dispute claim can be placed. My account was then put on hold -- not that there was anything left to steal.
However charges have still been attempted.
XX/XX/XXXX at XXXX XXXX a charge of {$6.00} was attempted on a card ending in a card I don't have in my possession. This matched neither card I have in my possession.
XXXX a charge of {$18.00} was attempted on card ending in the mystery card.
Meanwhile I still have attempts against my account, which is frozen but has had a deposit made from my employer -- that I can't access because my account is frozen.
I am told I have to wait 7-10 days for a replacement card.
Normal cards with multiples of the same transaction would have been rejected, a flag put immediately on the account and a new card sent out within 3 days. The only reason this must take so long is that I have been dealing with an offshore phone center. Because they told me the charges initiated in the XXXX -- would you want to deal with an offshore phone center accessing your info?
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| 09/06/2022 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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In XX/XX/XXXX I opened a savings account with {$500.00}. I was told that as long as I keep over {$500.00} in the account, I will not be charged any account fees. Documentation such as the monthly statements support this.
In XX/XX/XXXX Fifth Third Decided to call my account " Dormant '' and charge a {$5.00} fee each month. No communication of this change was ever made. My email notifications on their website were mysteriously turned off. No notification in through mail was made until XX/XX/XXXX. At this point I was charged {$45.00} in total without being told. Their website blocked me out from accessing the account because of security concerns.
I visited a local branch and was told I could deposit more money to remove the dormant status, but could only refund {$15.00} of the total. As I only had {$20.00} to deposit, I am now facing a XXXX XXXX monthly account limit for having under {$500.00} in the account.
Fifth Third Bank deliberately moved my account to " Dormant '' only to get me under the {$500.00} account limit and to continuously charge me until my account was empty without any notice. The fact that my online account was set to not notify me was not an accident. The letter sent too late was also deliberate and unfair.
The refusal to give back any fees to get me over {$500.00} was probably done in order to continue making me pay a different account fee.
This was not a mistake from the bank but rather done with malicious intent in order to extract all possible funds from my account. I do not believe I am not the only person that has this happened to them.
When opening the account and in each statement, I was told there would be no fees if the account was over {$500.00}. This is not what has happened in practice. Fifth Third did not follow what I was told.
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| 01/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
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Thos account was sold to me as a 0.01 % processing charge. This charge would be made on every credit card transaction that I made using any credit card. The service was also sold as a $ 0 monthly fee with no minimum cards process per month. There were no hidden charges. The only thing I would be charged would be 0.01 % and that would be for a month to month service and a {$0.00} cancelation fees. The sales representative clearly marked 0.01 % on all pages on the contract. Ther sales rep also crossed off any sections that did not apply to what he was selling ( 0.01 % processing ) the rep also crossed off the cancelation fee and put {$0.00} showing there was no cancellation fees or charge. If I was not satisfied I could cancel without any hassles. After receiving the equipment in the mail and using the processor for a few test runs over 1 month. I noticed I had minimum charges on my bank account for random amounts of {$50.00} to {$75.00}. Also notice the transaction fees were about 0.06 % - 0.08 % not what was advertised by the rep of 0.01 %. After contacting the company and advising them that I would be canceling the service. I was told their sales representatives are liked " used car salesman '' and they say whatever they can say to get the contract signed.O I advised this was fraudulent and inwould not pay. Ibwas told they had very clevar salesman techniques. I was also told I could settle my account for a minimum of {$2000.00} which I refused to. I was also told I could then settle my account for a minimum of {$1000.00} which I also refused to. The account representatives told me they would just send me to the collection and eventually they will get some type of funds from me. The name of this company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
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| 06/25/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX, I deposited a check for {$5000.00} into my personal checking account. It was nearly double the amount I had in that specific account. Rather than holding this and or checking to see if the check was legitimate, Fifth Third Bank made those funds available almost immediately. The next day, I was able to spend the full amount of need be. In order to fulfill my job obligations, I had to transfer almost the entire check amount into a work associates account. I didnt realize until after this transfer was made that this work associate May not trustworthy. I immediately drove back to the bank ( within two hours of initiating the transfer ) to cancel the transfer. Fifth Third said they would do everything they could to cancel it, but said it may not be possible. I personally dont feel they tried their hardest to stop this also. After notifying them of possible fraud, they looked up the check I deposited for {$5000.00}, and within minutes, they were able to tell the check was a fraud. I feel as though they were negligent, lazy, and if they had a better process for depositing checks, this fraud would have never happened.
This same day, the XXXX, I called Fifth Third headquarters and notified them of the situation. A representative I spoke to at approximately XXXX notified me that the issue was not my fault and that the branch shouldve held the check before depositing the funds into my account. Now, Fifth Third is saying the problem is my fault. Theyve already penalized me for this and have taken {$5000.00} out of my account because the check bounced.
Fifth Thirds policy for depositing checks negligent, and customers should not be penalized for other peoples lack of funds. The checks should be verified as legitimate first before depositing them into any account.
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| 04/03/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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- Problem with customer service
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Web |
Older American |
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On XX/XX/XXXX Fifth Third Bank issued a Cashier 's Check # XXXX for {$22000.00} and on XX/XX/XXXX it issued another one # XXXX for {$7000.00}. Both of these Cashier 's Checks were marked " Pay to the Order of : XXXX XXXX XXXX ''. OnXX/XX/XXXX and XX/XX/XXXX, a person named XXXX XXXX XXXX signed his name to each of the Cashier 's Checks and then photo-deposited them into his personal bank account at XXXX XXXX. XXXX accepted the deposits and sent the checks to Fifth Third for payment. Fifth Third, without validating that the endorsements were full and proper, paid over on the checks to XXXX. XXXX XXXX XXXX then withdrew the {$29000.00} from XXXX and left town. Fifth Third had a very high duty of care to make sure that the Cashier 's Checks were properly and fully endorsed by the payee, and they failed to do so. They should not have accepted the checks from XXXX endorsed as they were. Fifth Third 's actions allowed XXXX personal access to money that was clearly intended to be paid [ only ] to XXXX XXXX XXXX. Their failure to validate and enforce the proper endorsement of these checks, funds that were actually guaranteed by the bank itself, has left the Remitter of the funds [ XXXX XXXX ] legally liable to XXXX XXXX XXXX as the company was never paid for the construction work it did. XXXX has refused to make good on the checks. Fifth Third had a duty to make certain the checks were endorsed by the actual payee and it failed to do so. Fifth Third should step up and make good on the {$29000.00} and pursue XXXX and/or XXXX XXXX XXXX. It should not leave it's own customer, XXXX XXXX, exposed to a lawsuit by the construction company simply because Fifth Third did not do a legal, UCC-compliant, effective and proper job of validating the endorsement on these two checks attached.
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| 01/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I deposited a check into my checking account from my XXXX plan which I have done on a few other occasions. It was advised I could pay a {$45.00} fee to deposit it same day, otherwise it would be available the next day for free. I selected the free option so that my funds would be available on the next morning. When the next morning arrived, my account was overdrawn in the amount of {$290.00} roughly and my funds were not available. I called the bank and they told me my check was placed on a 10 day hold and my funds would not be available until XX/XX/XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe relied on those funds to pay for expenses. The rep and XXXX told me there was nothing they could do but if any of my charges left me overdrawn any further they would not charge me a fee. I asked for my check back to deposit into another bank they said it was not possible and they could not make any funds available to me until XX/XX/XXXX. I asked what my over draft limit was because if I remove funds from my other accounts for my bills I would be in even more trouble in which the XXXX told me she did not know what limits I could Overdraft to. I tried to use my card for gas and food which my card was declined, they also declined a bill payment. I do have not had overdraft charges to my account and my funds are being held and I can not pay my bills. This trip was XXXX XXXX because of this bank and now I still have no funds to pay my bills that are due this week. I will be changing my direct deposit over as soon as this is done and will be terminating my relationship with this bank. I was forced to borrow money to get my account out of a negative balance and now I am still unable to get my check or my funds from this bank.
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| 10/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
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Web |
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Unfortunately I do not have the exact date saved when this incident occurred. It was around XXXX years ago and just after I got married. It all started when my wife and I wanted to start our transition after getting married to start a joint bank account. At the same time we were both in grad school and receiving excess financial aid checks from our school. The school sent me a check but sent it to a previous address I lived at before I moved in with my wife. I notified the school and they canceled that check and sent out a new check to my current address.
The initial check ended up being forwarded to my new address. At this time I didn't know it was the old check and I tried to deposit the old check into my XXXX account and overtime I found out that the check was denied and that was when I was notified of fraudulent activity with my account. I did reach out and talked to a banker at a XXXX bank. This is when they told me that I was accused of money laundering and that my account was closed. The banker at the time told me I would not be able to open a checking account for a year even after explaining to them and showing the bank that the money was all financial aid checks from grad school.
Now XXXX years later my wife are trying to open a joint checking account with a completely different bank and I am still unable to open an account because of this label/block that was placed on me. I did on XX/XX/2022 stop in a XXXX bank to discuss opening an account and appealing the money laundering accusations, but was denied. I asked the banker at the time for records from the initial accusations of my checking account and they were not able to give me records to show the activity that they accused me of.
This was when I was told about XXXX XXXX and to come here for help.
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| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX I signed a contract for Solar Panels on my XXXX Florida home through Dividend Solar. Part of the contract was a performance guarantee, which stated that the solar panels were guaranteed to produce a specific amount of energy, which could be monitored via a mobile application.
Within days after the install, I noticed that the solar panels did not produce nearly the amount promised by the company. I contacted the company, who sent a technician out to check the panels.
I have hundreds of emails saved documenting all of the hours I invested attempting to get this issue resolved.
I have the original signed contract, which states " If, for any continuous twenty-four ( 24 ) month period during the Guaranty Period, the Actual System Output is more than fifteen percent ( 15 % ) below the projected total in kWh of the Estimated System Output for the same twenty-four ( 24 ) month period, as set forth in the Work Order related to the PV System, Contractor shall be obligated to cure any shortfall such that Actual System Output is within ten percent ( 10 % ) of Estimated System Output going forward. '' In XX/XX/XXXX, Dividend finally sent out XXXX XXXX, an independent third party to assess the situation. The findings of the third party were that the solar system that was installed was inadequate, and would never produce the amount of electricity guarantied in the contract.
I discussed the findings with Dividend, and they indicated that they had no intention of replacing the solar panels with the correct ones. At this point Dividend charged off my loan and it destroyed my credit.
I have contacted XXXX, and filed a dispute, since this was clearly a breach of contract case. XXXX closed the dispute, and the negative entry still remains on my credit report.
|
| 07/16/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
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On or around XXXX a purchase of XXXX money orders was made with cash purchased at FIFTH THIRD BANK XXXX XXXX XXXX XXXX OH XXXX. Days later I was contacted by 2 different apartment complexes, & they both said the money orders were no good. So I went back to the bank and got XXXX new money orders and the same thing happened. I reached out to the branch 1st by phone I was informed that they were still investigating. On XXXX I return ( FIFTH THIRD BANK ) to the same branch and informed the manager of the issue I produced the ledgers from the complex stating that the money orders were returned and that I was charged late fees ( {$850.00} ). she ( XXXX XXXX XXXX XXXX said she would further investigate. On XXXX I returned and requested further assistance and was told my only resolve was to contact XXXX number for customer service they could not help me, I returned to the branch to request a cashier 's check and she ( XXXX XXXX XXXX XXXX REFUSED to issue a Cashier 's Check. I asked for a written statement of why she couldn't or wouldn't issue a cashier 's check or a refund and was told that my only option was to wait 180 days for them to investigate the issue. I asked for a higher-up 's number or email she refused to give me anything but the XXXX number that was a 3rd party who didn't even know the branch number. As a result of the unresolved issue, my company accumulated several unnecessary late fees due to an issue that could have easily been resolved. Due to the High level of uncooperative, and willful attitude, I had to visit XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX OH XXXX, I was immediately issued a refund without question. XXXX XXXX XXXX XXXX had no clue about the unnecessary and strange protocol and said that those delays were not policies
|
| 09/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
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Web |
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It happened to my husband, but he does n't speak XXXX. He received a new debit card, but since he got one already he decided take it to the bank, he gave it to the guy who always helped him because of his language barrier. On XXXX XXXX he went to a XXXX XXXX store and he was paying around {$50.00}, his card was declined, checked his account and he had not a single dollar there, we went to a branch located at XXXX XXXX, the lady told us she saw a couple of transactions made at XXXX Nevada, so we did the report with the fraud department, they told us it 'll take a few weeks and they will do a federal investigation and if they think my husband was n't the one who used the money we will get the money back. We also did a police report and sended to the bank fraud department all the proofs of what we say, This is already XXXX we had sended letters explaining the case, in some moment they told us they called him and he authorized the transaction but how he could do it if he does n't speak XXXX, he says he remember that he got a call from Nevada, he answered they asked his name and of course he got that, then they say XXXX, he thought they were asking him if he ever traveled to XXXX and he said yes, we went to XXXX in 2014 for a trip and that 's why he assumed was something related with our time there, but now the bank refuse to give him a credit even when they can investigate who did it because in the statement appears place, time and date where it happened, whenever my husband goes to the bank he always had asked for an XXXX speaking person, so we do n't understand how bank call to authorize a big transaction like that in a language that the customer do n't speak. At this moment they said case is close, we do n't know what to do, that 's all what we have in savings.
|
| 07/13/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
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Web |
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Fifth Third did not apply the funds properly to my house payments and {$5400.00} came up missing on XX/XX/XXXX i applied for the save the dream hardest hit funds to save my house and was accepted. XX/XX/XXXX save the dream payed a lump sum payment to fifth third bank then monthly payments till XX/XX/XXXX this i was told would pay me up to date with fifth third bank. that was not true fifth third bank did not pay all my escrow from all the money they received from save the dream funds and now fifth third bank tells me i have to pay for the missing Money of {$5400.00} lump sum or my house payment will increase {$630.00} for 12 months over top my regular house payments of {$1000.00} always included escrow increase to {$1600.00} for 12 months fifth third bank also told me 30 day before i had to start paying my house payments again i could apply for a loan modification to help me stay in my home once again not true XXXX XXXX office from fifth third bank called me wanting me to back out of the modification i told them no i was told that my house payment was going up {$630.00} more a month and he could not explain were the {$5400.00} disappeared at fifth third bank and sense they raised my payment from {$1000.00} to {$1600.00} i was told that he appreciated the over {$30000.00} that was paid to keep my home i was told if i could not afford the {$630.00} increase to get out of the home wanted to throw my family out on to the street XXXX scamming poor people and the state of Ohio by getting large sums of money pocketing some of the money then raising there house payment much higher and then throwing them out of there home with little or no intent to keep people in there homes. ( even though XXXX got there last pay XX/XX/XXXX my math i am paid up till XX/XX/XXXX?????
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| 06/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
- Confusing or missing disclosures
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Web |
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On or around XXXX a purchase of 4 money orders was made with cash purchased at FIFTH THIRD BANK XXXX XXXX XXXX XXXX OH XXXX. Days later I was contacted by 2 different apartment complexes, & they both said the money orders were no good. So I went back to the bank and got 4 new money orders and the same thing happened. I reached out to the branch 1st by phone I was informed that they were still investigating. On XXXX I return ( FIFTH THIRD BANK ) to the same branch and informed the manager of the issue I produced the ledgers from the complex stating that the money orders were returned and that I was charged late fees ( {$850.00} ). she ( XXXX XXXX XXXX XXXX said she would further investigate. On XXXX I returned and requested further assistance and was told my only resolve was to contact 1-800 number for customer service they could not help me, I returned to the branch to request a cashier 's check and she ( XXXX XXXX XXXX XXXX REFUSED to issue a Cashier 's Check. I asked for a written statement of why she couldn't or wouldn't issue a cashier 's check or a refund and was told that my only option was to wait 180 days for them to investigate the issue. I asked for a higher-up 's number or email she refused to give me anything but the 1800 number that was a 3rd party who didn't even know the branch number. As a result of the unresolved issue, my company accumulated several unnecessary late fees due to an issue that could have easily been resolved. Due to the High level of uncooperative, and willful attitude, I had to visit XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX OH XXXX, I was immediately issued a refund without question. XXXX XXXX XXXX XXXX had no clue about the unnecessary and strange protocol and said that those delays were not policies.
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| 02/06/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
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Web |
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I had a XXXX paycard from my work which is XXXX. Well one time in XX/XX/XXXX I had gotten a text stating that I won a phone and I just had to pay {$1.00} shipping. So XXXX me fell for it and this was the ONLY TIME I had ever put my card information in. As soon as I did that it cut me off the page and I couldn't find it again. I was nervous hoping I hadn't been scammed so I kept an eye out on my account. On XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX there was a purchase made for {$89.00} to an XXXX and I had never heard of this place. I live in Tennessee and all of my transactions were made in Tennessee. Well this place said it was Arizona. I tried to look up place online which said it was a fitness place.So I talked to XXXX they opened up a case but said I made the purchase and I know I didn't. So they gave me the number to call the place which when they answered they said XXXX and they would transfer me to XXXX which here I went again XXXX me. Oh and XXXX said in their report it was a clothing store going out of business. Well when I was on the phone with supposed XXXX they kept asking if I had bank account, etc. So I hung up on them and tried to reopen case with XXXX which eventually I seen on the web that the XXXX was a scam site. Well I never got my money back because they said I made the purchase which I didn't. The only thing I could think of was when I put my information in for that {$1.00} shipping for the phone. So its XX/XX/XXXX and still no money back and XXXX just quit talking to me and now I don't have that card anymore because XXXX sold to XXXX which different card for pay so I got a bank account. But ... XXXXcan u please get my money back to me because I know I didn't do this and I can't get them to believe me so I hope u can help... thank you!!
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| 02/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My mortgage servicer, Fifth Third Bank, has failed to make any of my property tax payments and I have now received delinquent tax bills and letters from debt collectors attempting to collect my property taxes. I initially notified Fifth Third in XXXX when I received my first unpaid tax bill letter from my county. The letter stated that if the taxes weren't paid by XX/XX/XXXX, that they would be considered delinquent. I forwarded all documentation to Fifth Third Bank in hopes that my taxes would get paid, but in XXXX I then received a letter that my taxes are now delinquent. I then received unpaid tax bills from my township and school district. I again forwarded all documentation to Fifth Third in hopes that bills would be paid. As of XX/XX/XXXX, I am now receiving letters from a debt collector attempting to collect these tax payments. When documentation is submitted, apparently no one is taking the necessary steps to get my property taxes paid in a timely manner. The last home I owned was serviced by another mortgage company and in the XXXX XXXX years I owned that home, I NEVER had to call regarding payment of my taxes. Everyone at Fifth Third is " shocked '' that this mistake has happened. They've all agreed this isn't standard practice, but as of XX/XX/XXXX, my township and school taxes are still not paid and when I called today, the supervisor told me " my case manager for my escrow account has not yet looked at the item today and they will get back to me when they get a chance ''. Obviously there is no sense of urgency on their part to get this taken care of and it's truly frustrating that I have had to call so many times over the last XXXX months to try and get my taxes paid by a company who is paid to service my loan and manage my escrow account.
|
| 02/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
Servicemember |
|
Fifth Third Bank charged a monthly {$5.00} dormancy fee on both my checking and savings accounts over multiple years. Below are the issues : I. I did not receive a statement at the correct mailing address notifying me of the charges on my account. I changed my address with XXXX, but Fifth Third continued mailing to my old address. Furthermore, they locked my online access preventing me from managing and viewing the activity on my accounts.
XXXX. The dormancy charge amount was not disclosed in the Deposit Account Rules ( the " Rules '' ) and Regulations provided by Fifth Third as required under Reg DD, 1030.4 ( b ) ( 4 ). The Rules simply refer to a fee schedule to see the fee amount, but no fee schedule was included or enclosed.
XXXX. The Rules state that a dormancy fee can be charged after a period of " Inactivity, '' defined as " no deposits into or withdrawals from the account during the applicable period. '' During the period I was charged these fees, my account was debited a {$5.00} fee and credited interest each month, which is not Inactivity as defined under the Rules. This is both a contract issue and also an unfair and deceptive UDAAP violation.
IV. A sample account statement Fifth Third provided in response to my complaint includes the following disclosure : " Remember, no monthly service charge if : You maintain a total monthly average balance of {$1500.00} across checking, savings, and investment accounts. '' Well after Fifth Third began charging me dormancy fees, my account balances were : {$1300.00}, {$2800.00}, and {$440.00} yielding a monthly average of {$1500.00}. Despite maintaining a balance above the threshold Fifth Third disclosed, I was charged multiple monthly {$5.00} fees, which is an unfair and deceptive UDAAP violation.
|
| 05/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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Fifth Third Bank allow an account to be open for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the Entity name printed on the checks was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There were two accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With the different entity names on the accounts and checks we believe that fraud, and money was being laundered through these accounts.
When deposits were being made into account it was believed to be for the Entity XXXX XXXX XXXX XXXX XXXX XXXX XXXX as checks were being written from this account for this entity. On XX/XX/XXXX I was notified that I was removed from the Fifth Third Bank accounts that was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, with being removed from the accounts we found out that the actual entity name on the account is actually the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This prompted us to check on the validity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a legal entity, and it was determined that XXXX XXXX XXXX XXXX XXXX XXXX XXXX wasnt a legal entity.
Since XX/XX/XXXX Fifth Third Bank has allowed funds to be deposited into accounts that does not belong. The Entity names for transactions such as deposits and Withdrawal were all completed under an entity name that did not exist at the time. According to all checks weve written, and all deposits made was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the Entity name on the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All deposits were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but went into accounts with entity name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
All funds in account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be for the entity XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is now currently a valid entity
|
| 04/28/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
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Fifth Third Mortgage Account XXXX have set up automatic payment from my banking to pay my mortgage each month. In 2014, 5/3 raised my mortgage by {$150.00} and I was made aware until it was too late. I made up the proper payments to bring my account to balance and 5/3 continues to erroneously mark all three credit report. My money would leave my bank account on time, but seemingly never arrive at 5/3 Bank where my mortgage payment is due. In XXXX of 2014, I faxed 5/3 Bank with my 2014 YTD payment history to prove my account was current. I contacted 5/3 and confirmed they received that fax and there would be no more concerns. My payments were not on time but the notices did not stop. I have attempted resolve the problem with 5/3 Bank and my banker XXXX and neither was helpful and this issue still is n't resolved! Because I could get no answers, I stopped making payments after the XXXX payment was paid on XXXX/XXXX/14. Soon 5/3 would claim that I owe over {$1100.00} in missed payments and attempt to DEFAULT my mortgage. After contacting 5/3 Bank, the Customer Service Representative who told me that over {$500.00} was never applied to my account, ( with no explanation given ) that I only owed {$640.00} to bring my account to current status. I made that payment ( confirmation XXXX ) by phone at that time. As I type this complaint, I am still receiving notices that my account is overdue by 30 days, meaning nothing has been resolved. Please ask 5/3 Bank to REMOVE ALL BAD CREDIT REPORTS FROM XXXX XXXX, AND XXXX. Also, I ask that all late fees be applied to principal balance of my account ( please do not send a check ). Because of my frequent travel I am around to await a check in the mail, not am I able to forward the fax mentioned in this complaint.
|
| 11/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Since beginning of XX/XX/2023 till today, the bank has been charging me overdrafts fees of over {$2500.00} despite the fact that I have overdraft protection set up on my account. I reached out to the local branch and the mangers to help resolve these issues and unfortunately, they didnt return my calls and when I visited the bank in person, they couldnt give me any explanation or take any responsibility.
As result of the lack of communication and support to my account, and the excessive fees, my account is overdrawn and I lost over {$2500.00} of unjustified fees. I had the funds available in my credit cards and my line of credit, but the staff failed to connect either as overdraft protection as I requested several times Secondly, my incoming deposits were delayed by the bank and were not cleared till I had so many overdraft fees which caused less funds available in my account. I was also blocked on the app from making any checks deposit and had no access to make any deposits.
I made several phone calls and visits to my local branch, requested help but sadly they failed to call back, or provide solutions on time, or resolve these issues or even show any kind of caring. Additionally, this was not the first time this had happened, earlier this year, my account was mistakenly by the bank overdrawn by over {$19000.00}, which also created issues on my account and it took the local staff weeks to take responsibility and resolve it.
I finally contacted the office of the president and sent a formal complaint in writing, my complained was ignored and i never receive any response, I even called couple of times, no one return my calls. Finally I called on XXXX XXXX, XXXX and the person answered the phone give no answer or solutions to my complain.
|
| 09/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
In XXXX of 2021 I noticed a series of micro transactions on my XXXX card ; which was provided to me by my employer ( XXXX ) for my paycheck to be deposited each pay period. These transactions were in small amounts between {$1.00} and {$6.00} each. There were dozens taken from my card between XX/XX/XXXX and XX/XX/XXXX. the total was approximately {$600.00}. This was an entire paycheck that went missing.
I notified XXXX by calling the number on the back of my card and they provided me with a new card and told me they will put a request in to refund me the money. after several weeks of waiting, I was notified that the results of the investigation would not support a refund. When I asked why and what the investigation concluded, they told me that they could not provide that information. I asked why they could not provide this information and they said they don't have that information. When I asked to speak to someone that could provide the results of their investigation, they told me that their investigation team does not speak to anyone and can not provide it to me. After a series of phone calls attempting to reach someone that can help me with the investigation results and a series of being hung up on, one person told me that they could send me the investigation results by mail within 10 days. After 10 days, I received nothing in the mail and called them again. They told me that it was sent and to just wait for it to arrive. It never came and I still have no answers. They did not provide me with a reason for denying me a refund for fraudulent charges on my account, nor did they send me any information.
I am writing to the CFPB now because I am out of options. I do not know what to do, nor do I have the time to go back and forth with XXXX.
|
| 03/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XX/XX/XXXX, I learned that the company XXXX XXXX XXXX XXXX is no longer operating.
On XX/XX/XXXX, I mailed by certified mail a dispute for the amount of {$16000.00} against a purchase I made on XX/XX/XXXX, with XXXX XXXX XXXX XXXX.
The dispute was delivered on XX/XX/XXXX, and I received the return receipt on XX/XX/XXXX. I emailed Fifth Third Bank on XX/XX/XXXX, at which time I requested an update regarding the status of the received complaint.
I have yet to hear from Fifth Third Bank.
Background : I purchased a {$21000.00} lifetime access elite training program with XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Services purchased : *Premier 1-on-1 coaching ( 13 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX XXXX XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) Services received : 5 premier 1-on-1 coaching sessions Services not received : *Premier 1-on-1 coaching ( 8 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX XXXX XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) I attempted to contact XXXX XXXX XXXX XXXX on : XX/XX/XXXX-phone out of order XX/XX/XXXX-email undeliverable XX/XX/XXXX-web address no longer valid I requested that Fifth Third Bank investigate and credit me back the amount paid for services not received.
I have yet to hear from Fifth Third Bank regarding this dispute.
|
| 01/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
Following is the email I sent the XXXX of Fifth Third Bank. No response from the bank.
XXXX XXXX I know you are busy. Having led a business for many XXXX before retirement, I don't often write XXXXXXXX XXXX.
I deposited XXXX XXXXXXXX with your branch in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The check cleared my bank in XXXX XXXX XXXX XXXX. I needed access to those funds while in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Banker told me there would be no issue getting access to funds via a cashier check anytime I needed .... " just come to the bank ''.
I returned to the bank on XXXX XXXX and was told my account was " on hold '' until XXXX XXXX and to take a screenshot and send proof the check I deposited had cleared. And " holding '' accounts for this amount of time was common practice. I sent the screenshot. Your banker didn't reply because he left early for the XXXX The next XXXX there was no response so I called the XXXX XXXX and was told the banker would call me back in XXXXXXXX XXXX No call back. I did receive an email from the banker indicating funds were still on hold.
XXXX XXXX I spoke to XXXX of your phone reps and was told my funds were still on hold until XXXX XXXX for " confidential '' reasons ... .. what? I'm a retired XXXX XXXX. XXXX and a successful business owner as well .... Why would my funds be on hold for a check that cleared my bank XXXX XXXX XXXX? Why wasn't I told about this process when I opened the account instead of being promised immediate access via a cashier 's check?
This experience has been horrendous across-the-board.
If this is how preferred clients are treated I hate to XXXX how your bank associates deal with " non-preferred '' accounts.
Thanks.
|
| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
|
Greetings, In a nutshell, on XX/XX/2022 our Fifth Third Bank Perferred Credit Card was charged {$1700.00} XXXX in XXXX, XXXX for a {$12.00} XXXX taxi cab ride. Minutes after returning to our hotel, we were alerted by an email from Fifth Third asking if it was suspicious or fraud activity... I called immediately from our hotel phone ( a {$7.00} XXXX call by-the-way ) and told the bank representative it was indeed fraud.
She immediately cancelled our card and said a new one would be mailed to us .I told her to also cancel the charge or put it " on hold '' and she said she could not until it went from pending to posted. I said to her " that makes no sense. '' She assigned a case number which is XXXX.
The charge was to " XXXX XXXXXXXX XXXX XXXX XXXX '' and we were staying at the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX.
The next day after returning back home to XXXX, Ky I and logged into our account and saw the fraud charge posted so I called again and was told to supply documentation showing our correct hotel... .I gave them a copy of our bill for our stay ( from XX/XX/XXXX until XX/XX/XXXX ) including the phone charge to call.
Now more than 6 weeks later, the entire fraud charge is still listed with even an interest charge added to it.
This is not right, we responded immediately and told them it was fraud and it should have been taken care of just like fraud problems we have had in the past with XXXX XXXX XXXX XXXX and once with a XXXX credit card that were rectified right away by those institutions.
Please contact Fifth Third Bank and find out why a fraud charge is still being expected to be paid.
I can supply any documentation needed.
Thanks, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, Ky XXXX ( XXXX ) XXXX
|
| 03/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
On around XX/XX/XXXX -XX/XX/2019. I discovered a former tenant stole my debit/credit card from my purse without me knowing until I went into the branch to take out money and was told over {$940.00} was gone having been spent at XXXX, XXXX, XXXX on gift cards to sell and buy drugs as he was a pain bill addict. While I was at the bank the fraudster was at a store charging at that moment. The teller cancelled the card and I went to the police and reported it asap. The thing is I have never used the card and charged on it. I just use the bank acct for my equity line of credit. I also have been at 5/3 for 20 years. I have a {$200000.00} line of credit. I have never filed a claim. When I called the fraud dept. it was a nightmare getting them to understand. I told them I thought I had the card but after looking for it realized it was gone. Just didn't know who had taken it until I requested the video from a store and the police officer did and we identified the fraudster. Then the police issued a warrant for grand larceny. I sent three police reports as the person charged in 3 different towns. It was very insulting for 5/3 to not credit me immediately and trust me. I appealed it and again they denied me my funds. This could have put me in a very difficult position if I had written checks against this account. My case # is XXXX. My account number at 5/3 is XXXX and the debit card was XXXX. I also asked why they did not have fraud monitoring for unusual spending on a card that HAD NEVER BEEN USED. And the police report was sent to them and the statement where they have issued a warrant. What more do they want. I am furious and would leave if I could. This person also took a XXXX card and spent {$200.00}. XXXX refunded me immediately. NO questions.
|
| 05/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX XXXX we bought a used XXXX XXXX XXXX from a local dealership. They ran our credit application and financed us through Fifth Third Bank. We were told that we would recieve a welcome packet and payment booklet in the mail within the coming weeks. Towards the end of XX/XX/2021, we had not recieved anything. According to our loan documents, we recieved from the dealership, our loan would be due on XXXX XXXX. Towards the end of XX/XX/2021 we starting the long process of trying to figure out what was going on with our loan. After days and hours on the phone with Fifth Third bank we were able to find out that our loan was funded and booked on XXXX XXXX. The underwritting department at Fifth Third Bank could acess our loan and information. However, the payments/customer service side could not. Resulting in us not recieving any information about our loan or a way to make a payment. Each department kept transfering us back and forth with no way to resolve the issue. They did not understand how this happen and noone could fix it. We have called just about every day this month to see if their system has been fixed and our loan updated to the right departments. It has not. We contacted the XXXX on Thursday, XX/XX/2021. XXXX XXXX reached out to us, but they never called back like they agreed upon. Our loan is coming up due within a few days and we have no way to give our payment to Fifth Third Bank. We have spent hours of our personal time trying to understand and fix their promblem. Yet, we can not fix whatever is wrong in their system and they seem unwilling to do it themselves. Please reach out to us as we are very XXXX about this matter. I have uploaded the loan document given to us by the dealership as well. XXXX for your time, XXXX XXXX
|
| 09/30/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have three ( 3 ) late payment for the months of XX/XX/2019, XX/XX/2019, XX/XX/2019 My mortgage bank notified me of being in breach of contract and I had until XX/XX/XXXX to remedy the breach.
Mortgage payments are $ XXXX month All late payments were paid on the following dates : XX/XX/2019 in the amount of $ XXXX by check XX/XX/2019 in the amount of $ XXXX over the phone XX/XX/2019 for the amount of $ XXXX over the phone The Bank has notified me that there was no payment posted or made on XX/XX/2019 for the amount of {$700.00}.
However, my personal bank and checking account statements show a mortgage payment by phone was made and charged by the mortgage bank.
The mortgage bank requested my bank statements to be faxed to their office to help open an investigation into the missing mortgage payment.
Upon notifying the bank of my faxes sent and sending the bank statements to two different fax telephone lines, a bank rep mentioned they never received the fax statements, yet the fax machines I used for both lines confirmed the statements were sent successfully.
I contacted the mortgage bank to discuss another discrepancy that occurred on the same date as the " lost payment '' ( XX/XX/XXXX ). Immediately after making my payment and changing my contact information, I received -- by email and by direct mail -- a confirmation letter addressed to a different person altogether!
Some man and name I do not recognize.
It is now XX/XX/XXXX as of writing this complaint, I called the bank to discuss my faxed paperwork and the discrepancy for the unrecognized name. The rep who answered was instructed by management to tell me they were too busy and too understaffed to handle my call and would call me back on my cell phone at a later time.
|
| 08/11/2016 |
Yes |
- Bank account or service
- Cashing a check without an account
|
|
|
Web |
|
|
On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX in the amount of {$500.00} dollars. I have deposited this check via mobile app to my XXXX XXXX XXXX Account. After a while I noticed that this moneys were never deposited so I contacted XXXX XXXX XXXX customer service to search for this deposit. After lengthy phone calls I received a letter from XXXX XXXX XXXX instructing me to bring the original check to the XXXX XXXX XXXX physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched.
I re deposited this check on XXXX XXXX XXXX.
On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at FIFTH THIRD BANK on XXXX/XXXX/XXXX. I have never deposited this check to FIFTH THIRD BANK! I have NEVER owned an account there I never even heard of this bank. I contacted FIFTH THIRD BANK to see what happened to my check. They said that they cant research this check because there is information missing and that I am not their customer. I asked FIFTH THIRD BANK to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name.
The bottom line is that I deposited this check on my mobile app to my personal account in XXXX XXXX XXXX the money never showed up and according to XXXX XXXX XXXX this check was cashed at Fifth Third Bank but the check or the deposit cant be researched.
I suspect a fraud or software issue because I only deposited this check to XXXX XXXX XXXX and they are claiming that I mobile deposited it in FIFTH THIRD BANK!
Please help!!
|
| 01/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
On Saturday, XX/XX/XXXX, my mother had received a letter from 5th/3rd bank stating that my car had a total of {$1200.00} of payments in default. As she is co-signed on the loan, I knew I would be getting my letter soon, however come Monday I had n't received a letter yet so I had to rely on the pictures she had sent me when I called asking about the amount. It was the amount financed to purchase CPI, and I had n't paid anything towards it since a letter was sent regarding my insurance expiring obligating me to send proof that I was holding insurance. I had received a letter in XXXX and had XXXX send a policy binder in XX/XX/XXXX
Since the CPI was still applied on XX/XX/XXXX I asked if they needed me to send proof of insurance again. They confirmed this, so I sent another binder to the fax number they provided me ( XXXX ) and called every day afterwards only to be told on Thursday,XX/XX/XXXX, that they do not accept policy binders and I was instructed to fax a declarations page. I called XXXX and had them fax a declarations page and continued to call asking for processing information, only to learn today,XX/XX/XXXX, that it was n't processed because I need to make my payment for XXXX before they can accept it as current. Not only that, but XXXX informed me that 5th 3rd bank would have found a declarations page on page 5 of the binder had they looked.
I am now going to have to wait until tomorrow in order to send another declarations page and wait 3-4 business days before I am able to confirm that it was processed, all while hoping my vehicle is n't repossessed in the meantime.
I also am not able to attach digital documents because 5th 3rd has repeatedly refused to deal electronically and had only handled business over the phone.
|
| 06/24/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem caused by your funds being low
- Late or other fees
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Web |
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Hello, Filing a complaint on this bank, harassment from then day and night. Goodmoring, this problem is with XXXX XXXX call are being rolled over from city from state of Ohio XXXX and and I have told the customer service department that I went to the bank brand manager, and customer service teller about problem call that I 'll getting at XXXX XXXX and through day even up to XXXX XXXX at night. The bank told they do not call you like that.but a call come from them.after you tell you talk to your brand it should have stop.and they would contact the department ask them to stop calling now we no the problem is someone have use my card with my permission.and my credit card .And it also need it mos fee pay of {$30.00} I want the bank in person and talk to them face to face.again I was told do not worry about it.this was brand XXXX XXXX XXXX area.yes I did take care of the matter.for the last three mos this problem start with call after call morning XXXX XXXX, XXXX, XXXX XXXX unlit XXXX clock at night all day on the weekend.I have there number,XXXX/XXXX ( XXXX XXXX XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX Now the reception on was this morning XXXX-XX/XX/XXXXXX/XX/XXXX, at XXXX, again at XXXX, again at XXXX, The same number, from XXXX then at XXXX clock XXXX I told the operation that please stop calling me because I already talk to the bank about the matter and the bank said there is no problem with my account. She have a smart month.the are going to keep coming unlit it taking care of.night and day.7 day of week if I like it or not.I ask her do n't she try checking with the department and calling bank brand.them hang up.I also told thems I have identify theft. It is on with the bank.At this time I have no other choice but to filed this on them.
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| 07/06/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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XX/XX/XXXX, I was called by Fifth Third Bank in the XXXX of XXXX to encourage me to invest money with them for better returns than expected with regular certificate of deposits which were often paying less than 1 % /year at the time. The investment banker recommended a 5 year stock CD offered through XXXX. They told me clearly that, not only is my principal fully guaranteed, but that I would get a return of 7.5 % /yr to 12.50 % /yr depending on the stock performance. There were XXXX stocks in the portfolio. Therefore, they ensured me that 7.5 % /yr return would be the worst case scenario. However, it was clear after the first 6-12 months that there was going to be 0 % return for the next 5 years and I was not allowed to withdraw early at any time before 5 years, otherwise I would lose a part of my principal investment as well. The investment matured on XX/XX/XXXX accruing 0 % interest over the whole 5 year period. In effective, this bank fraudulently took an interest free loan from me for 5 years, at which time they certainly invested or loaned it out to others for high profits, returning only the principal to me! This is clearly a fraudulent investment vehicle with false promises and a means for the bank to get your money for a long period of time without your ability to get it back when you want. They have given me no apologies or explanations for this. This investment vehicle needs to be stopped, the bank needs to be fined or disciplined, and I should receive compensation for unnecessary loss of income. If I had put the same amount in a regular CD at a mere! %, I would be ahead a significant amount of money. This bank is taking advantage of gullible and trusting consumers. They can not be allowed to continue in their same ways!!
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| 10/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is a follow-up to my most recent complaint as the bank doesn't seem to be able to answer my fairly simple question regarding PMI removal based on current value ( getting a new appraisal ).
The question is regarding removing PMI based on current value, aka getting a new appraisal. They seem to not be able to understand this part. I am aware that due to their Escrow department misapplying my payment, they previously reported my loan XXXX days late to the credit agency. I've tried to get this corrected with them but they denied the request. The current question is : 1. I understand that I can't apply for PMI removal if there was a payment that was XXXX days late in the last XXXX months. WHEN WILL MY ACCOUNT BE ELIGIBLE FOR PMI REMOVAL BASED ON CURRENT VALUE ( APPRAISAL ). Provide a specific date when my account will be " eligible '' for PMI removal based on current value ( appraisal ). For example, I would get an appraisal and if my appraisal comes in higher than the original and I am now at XXXX XXXX XXXXXXXX, PMI would be cancelled.
2. Once I am eligible for PMI removal based on current value ( XXXX Bank to confirm this as per # XXXX ), what is the XXXX that is needed based on the age of my loan. Is it XXXX XXXX or XXXX XXXX XXXXXXXX since the loan is under XXXX XXXX XXXX.
The below what was in the original complaint : 1. Provide all their requirements for removing PMI based on " current value '' of the home. 2. Confirm if my loan is currently eligible for PMI removal based on " current value '' / appraisal.
3. If it is eligible, what are the conditions. What XXXX is required in order to remove the PMI.
4. If I am not eligible right now, when am I projected to be eligible to remove PMI at XXXX XXXX and XXXX XXXX XXXX.
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| 10/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/2018, I filed a CFPB complaint because 5/3 Bank sent out unsolicited blank checks linked to an old credit card account to my old address, which 5/3 then allowed to be fraudulently signed and cashed by the person at that address. 5/3 Bank has told me that they concluded I DID NOT SIGN the courtesy check. After filing my CFPB complaint, I received a letter from the Office of the President on XX/XX/2018 stating that the balance would be changed to {$0.00} and all fees would be waived.
Fast forward to today, when applying for a mortgage on a new property, the mortgage broker reported that my credit score was poor and cited my 5/3 credit card account. I checked XXXX XXXX and sure enough, it reported an overdue balance of {$390.00} and was more than 120 days past due. I called 5/3 Bank 's customer service on XX/XX/2018 who confirmed that 5/3 has never followed through with what it promised and has been charging me penalties THIS ENTIRE TIME. In addition, 5/3 Bank has refused to reimburse me for my time in dealing with this problem, and the several hundred dollars in damages I've incurred because my lower credit score affected my interest rate on my current home ( purchased in XX/XX/2018 ).
In addition, this continued problem is affecting my ability to purchase new property now. I simply can not get a good interest rate and I simply can not wait for 5/3 Bank to correct ( or at least tell me they'll correct since they didn't last time ) this. This is unacceptable. 5/3 Bank should be punished for sending unsolicited checks that can be easily stolen and easily cashed, especially when 5/3 Bank can determine AFTER THE FACT, these checks were fraudulently signed. Once that's done, the damage is done and my credit score is ruined.
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| 04/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I have banked with fifth third for a long time now and they only allow two reversal overdraft fees in a year. When Covid hit my husband lost his job and his direct deposits stopped due to income drop. We had to totally re structure how we were going to pay for things on auto draft and have tried to cut back as much as possible on expenses. Since covid I have probably paid {$2000.00} if not more in fees. I have had to use my overdraft protection more than needed due to paying bills while stretching to pay day. Recently this year I belive they up all their fees. They used to charge {$5.00} extra if your account is overdrawn more than 10 business days. Now it is {$25.00} and five business days?? How does that not seem insane.
Also I have made an error and accidently debited from the wrong account, I quickly transferred the money from the other account over and made the account positive. I called to make sure no fee would be given and was told no, the next day there was the fee and for {$37.00}!
Fifth third had the highest fees possible.
I have switched to a new account fifth third offers to help with overdraft by giving you an extra day to cover the funds. But the account will only cover up to XXXX of overdraft where my other account would allow more to be paid. So it doesn't not help for any emergency situation.
I really want to keep my banking relationship but the fees thst have been paid is insane and now there are products like chime that will pay you earlier and the fees are much lower, plus they will float you as long as you have direct deposit set up. Also I find that I can withdraw my money at more ATMs with out getting a fee where as fifth third only allows their atm for withdraw and its always a minimum of {$20.00}.
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| 08/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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5th/3rd bank took over the mortgage to my house from XXXX XXXX 2 years ago. At this time I set up an automated bill payment schedule from my personal account at XXXX XXXX to deliver my mortgage payments monthly to 5th/3rd mortgage payment processing center as instructed by 5th/3rd bank. This has been working as scheduled for years, until XX/XX/XXXX. For this month only, 5th/3rd bank received my payment from XXXX, which they admit ( evidence provided from both XXXX and 5th/3rd ), but instead of processing my mortgage payment, they decided to return it to XXXX and charge me a late fees. 5th/3rd bank did process all subsequent payments from the automated bill payment, but kept charging fees on the returned payment in XXXX. Once the issue was noticed on my side, I immediately went over to 5th/3rd bank to address any amount on the loan in arrears. I asked 5th/3rd to reverse the fees associated with their error, but they conveniently stated that It was my issue and to pay the fees. I supplied evidence from XXXX that they did receive the payment, and then they finally agreed to open an investigation.
The automated bill schedule has not been changed since it was created in XXXX and 5th/ 3rd bank has been processing my mortgage payments successfully every month before and after XX/XX/XXXX. Even faced with the evidence that the payment was made on XX/XX/XXXX and erroneously refunded by 5th /3rd on XX/XX/XXXX, they claim that all faults are with me and I am responsible for the fees and the negative feedback on my Credit Rating. I have decided to escalate this issue to the Consumer Financial Protection Bureau. XXXXth /3rd ability to return a payment just to charge a fee is outrageous. Please see the correspondence and evidence attached.
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| 02/13/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/XXXX mail was stolen out of our mailbox. Within minutes Of it happening I called my bank fifth third to let them know that my mail was stolen and to flag my account for any suspicious activity. There was a check payment to XXXX XXXX in there for {$88.00} and I gave the check number and around the time it happened. Later that evening I was checking my account on my mobile app only to see a check that was bleached out XXXX XXXX XXXX check ) and made out to a person by the name of XXXX XXXX XXXX. Since it was after XXXX I couldnt reach my bank until the next day. I went in to file a fraud report ... ..which was done incorrectly and didnt even find that out until I called them to check on the case. So I had to go back to 5/3 and have another fraud report written up and so my case wasnt even looked at until XX/XX/XXXX. I have also filed reports with the XXXX police dept and the United States postal service and the comptroller of currency ... .all of which have failed me. They basically say that because the check was cashed by XXXX its really out of their hands and that they have 180 days to put the money back into my account. My latest contact has been with XXXX XXXX from the comptroller of currency who basically said that there is nothing they can do. He is my contact now as that as what I was advised to do by him. I feel like my money was not protected by a bank that is supposed to be FDIC. I feel like my funds should have been reimbursed during this process for multiple reasons but mainly because I gave them all the information that they needed to know and they still didnt protect my money. Its a scary thought to know that I bank with a bank that doesnt protect me or my funds. I am running out of people to help me.
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| 06/18/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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In XXXX, I bought a plane ticket from XXXX to XXXX. My flight was to leave right before XXXX XXXX XXXX, when everything shut down due to Covid. When I bought my tickets, I bought a checked bag. The day before my flight XXXX emailed me, and told me to buy a bag for the flight and said I had none, so I bought the bag again. THEN ON THE DAY OF THE FLIGHT XXXX TOLD ME TO BUY A BAG AGAIN and that I had no baggage available, so I paid for a bag 3 TIMES! Friends called me at the airport and told me they legally couldnt house me as it would shut down their businesses. I tried for over a week trying. To get a hold of anyone at XXXX or XXXX, after waiting on hold for 13 hours spread out across 10 days, I got a hold of no one, I waited for online chat no one responded, I emailed, no one responded. I filed XXXX complaints with both of them. XXXX finally responded that they would give me a voucher for the flight. XXXX never responded, and XXXX blamed the bag fiasco on XXXX. As I have outlined with 5/3, XXXX, and 5/3 in numerous disputes. I want the refund for the 3 TIMES BAG CHARGE, and preferably for the flight. XXXX didnt respond after the initial XXXX response, for over a month and a half. Mid to late XXXX. Due entirely to XXXX tardiness, I could not reschedule to fly out with my work schedule. But I demand to be paid back the full amount of {$150.00} pus tax for all 3 bags these fraudsters overcharged me for the bags. As Ive already told the 5/3 disputes department team- I will change banks. This is their 3rd screw up for me in 7 years. I will drop them tomorrow if they dont respond properly to this. I have already sent them dozens of pages of emails showing how XXXX over charged me 3 times for one bag THAT I NEVER COULD USE!
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| 07/17/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Wife and I applied for a mortgage through Fifth Third at the start of XX/XX/2020. We originally wanted to go with the Indiana Housing Authority, because we were guaranteed down payment assistance of {$5000.00}. We were convinced by Fifth Third Bank to use them, because they guaranteed a sum of {$10000.00}.
The mortgage officer that we worked with repeatedly " accidentally '' missed the deadlines to apply for the assistance. And repeatedly " lost '' the paperwork necessary to move forward, even though it was all digital. After starting the process, I was told told several times by the representative that she believed that my wife and I were too young to be buying a house together, and were too young to be getting married.
Further along the process, she just stopped answering questions. She started making up additional rules, unreasonable demands, and refusing to help us on several occasions. I was working for the same company at the time, and was repeatedly told that they couldn't verify my income, that came from them. Anytime I asked for payment estimate, any time I asked for any information that is easily verifiable, I was met with push-back, and being told, " Well you never know what is going to happen before closing. '' After losing out on $ XXXX in down payment assistance, I was repeatedly told by the agent that she didn't believe that I could afford this house. She also told me that I shouldn't put my wife 's name on the deed, because we are still young.
It was incredibly infuriating, but after three months of the discrimination, we finally went to another lender, who helped us very quickly. Our original closing date was XX/XX/XXXX, and ended up being XX/XX/XXXX. A normally 45-60 day process took us over 4 months.
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| 08/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have spoken to multiple parties at 5/3rd regarding this and they have advised they have no way of disputing the unauthorized charge that has posted to my 5/3rd credit card account ending in XXXX. The charge relates to overdraft protection, a feature that is not referenced in the original terms associated with the account, and rather 5/3rd reports they added this to my checking account ending in XXXX at some point in time, though they can't tell me when this was added. They suggest I authorized the addition of this feature to my account however, they are unable to provide any evidence of this and suggested that I would have received a phone call requesting this authorization, a phone call they do not have a recording of.
I never agreed to, nor did I authorize the bank to add this to my checking account, nor did I authorize them to bill my credit card without my authorization.
I called to dispute this authorized charge which I did not make, however, 5/3rd advised that they do not have the ability to dispute their own charges. The representative I spoke with advised me that he would need to transfer me to the checking departments disputes team, however, when I spoke with the representative he transferred me to she wasn't able to offer any assistance other than confirming that I did not authorize the charge to my credit card and that 5/3rd did not have any authorization on file to add the overdraft protection to my checking account or to use my credit card as the source of funds.
This is a charge that I did not make, nor did I authorize. 5/3rd can not hold me accountable for unauthorized charges to third parties, nor can it levy unauthorized charges to my credit card and attempt to hold me accountable for the charges.
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| 09/04/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I took out a HELOC with 5/3 Bank in XXXX. In XXXX, I ran into some personal issues and could not pay the HELOC as the interest rate adjusted. My payment amount doubled. The HELOC was eventually charged off. I had tried to obtain a modification with 5/3 several years ago. It was going smoothly until payment was demanded to do the modification. I was given 1 day to come up with a {$700.00} payment before the mortgage would be charged off. I simply could not come up with the money. Then in XXXX 5/3 brought a lawsuit against me for the charged off HELOC. I again could not pay and consulted an attorney for a chapter XXXX bankruptcy to pay the arrearage. The BK XXXX was approved in XX/XX/XXXXwith a payment to 5/3 of {$400.00} for the arrearage and {$400.00} to keep the HELOC current. In XX/XX/XXXX I sold my property in order to pay off the HELOC. On the pay off I was hit with {$11000.00} and accrued interest of {$49.00}, XXXX. 5/3 also supplied a payment history which I believe does not take into account any of the monies paid to through the bankruptcy. I have made several attempts in XXXX to recover the monies owed to me and to receive a breakdown on how my payments were applied. My bankruptcy attorney was not familiar with this happening as he stated this was the first time he saw deferred interest on a payoff after the arrearage was agreed upon by 5/3 at the time of the bankruptcy filing. 5/3 also used a debt recovery service who has not answered any inquiries I had in regard to my account. All that was furnished was a payoff breakdown to my bankruptcy attorney. 5/3 's debt collection agency did not furnish the payoff until 3 days before closing. I did not want to postpone the closing and jeopardize the sale of the property.
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| 05/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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At the end of XXXX my mortgage was transferred from my previous lender to the new lender Fifth Third Bank. My previous lender sent me numerous emails and letters explaining what was going to happen and I thought nothing of it, Ive had my mortgage transferred before so no big deal. On XX/XX/XXXX the mortgage was officially transferred, and on that day I got a letter from my previous lender that they are officially no longer the people I send money to, and they automatic payments have been stopped and that the new company Fifth Third Bank will take over and send the info shortly. I waited a week and still got nothing then on XX/XX/XXXX I got my new mortgage statement for XX/XX/XXXX from Fifth Third Bank, already 9 days late telling me how much I owe, which is this month and for XXXX which is weird but fine I can pay that no issue. They tell me to go online or call, so I go in their website and try to make an account but I cant it keeps telling me to either go to a branch or call. So I try this for a few days until about XX/XX/XXXX where I say fine maybe I can go to a branch then and I can get sorted. Well turns out Fifth Third Bank doesnt have a branch in Rhode Island XXXX or any in XXXX XXXX for that matter so I figured fine I will call. Every single week day from the 18th to today XX/XX/XXXX I have tried to create an online account to no avail, and I have called them every week day thrice a day to get in contact with someone who can help me, but after 5 mins of hold I get told to leave a message which I did but still no response. Now I still currently owe XXXX $ for my two months of payments they want and I still cant pay them even while I have the money to do so because they are impossible for me to get in contact with.
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| 01/24/2023 |
No |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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Fifth Third Bank on XX/XX/XXXX put my bank account into closure for " risk mitigation ''. At this moment in time I was running a campaign across the country in XXXX XXXX California.
I was able to take money out the ATM through a tedious process until XX/XX/XXXX, they lied and said my bank card was deactivated and I could no longer take money out the ATM.
Their decision to do this forced me to not be able to continue running my campaign and paying my contractors.
This also forced me and my team into homelessness because we had no access to money unless we went into a fifth Third Bank which is nowhere close to XXXX XXXX CA.
On XX/XX/XXXX fifth third bank sent a cashier 's check to my home in north Carolina that was the final amount in my account.
I borrowed money from my family in order to make it back home.
On XX/XX/XXXX I took the check to a fifth third bank in XXXX north Carolina and they refused to cash it, even though it was a fifth third cashier 's check. They told me I could sign it over to my aunt and they would allow it to be cashed, then the teller at the branch refused to cash it.
We then took the check to the local credit union to cash, in my aunt 's account because I had already signed it over to her, which fifth third bank refused to honor because I did not verify who I was before the check could get verified and put my aunt 's account into negative {$2500.00} I then continued my mobile deposit on XX/XX/XXXX with XXXX XXXX XXXX XXXX and while on the phone with them verified myself and the check and fifth third bank honored the check.
Then on XX/XX/XXXX, that following Friday fifth third sent an email to XXXX XXXX XXXX XXXX to not honor the check which put my account in the negative {$1600.00}.
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| 04/24/2017 |
Yes |
- Checking or savings account
- Checking account
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Well i had a checking account with fifth third bank in XXXX Michigan. And i had a overdraft go through because theyed payed a bill earlier than the date i set up on billpay. So it charged me XXXX dollars so i called and asked what happened and they said that the pitcular bill is sent out through the mail and they dont have the control of when it gets there. But they said they would refund the XXXX dollar overdraft fee. So they asked if i wanted a overdraft protection i said no i will just pay my bills a different way. But then i went on my credit report and it said fifth third bank has removed there inquire. So i called and asked why they looked up my credit report they siad they didnt but he will look into it and call me bac k 2 weeks go by and no call so i go in there to close my account and the guy heard me from the office and comes out and said just come with me and brought to the top person in charge a women. And she said XXXX you wanted to apply for a credit card and i said no i didnt she said i have it on file. So i said show me and she went into her computor and couldnt find it so she said well it is on paperwork so went into her desk drawer and went through two months of paperwork and couldnt find anything and said i guess you didnt. I dont know what to say she said. Now i definitely was closing my account and a few days later i get a letter from them with a new debit card saying they had a security breach my information maybe compromised here is a new card. So i just want this on file so they dont do stuff like that. Compromising my credit info.i had been there for two years and never had a overdraft or a credit card through them. So i dont understand shy you would operate your business like this.
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| 12/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I am still having issues dealing with Fifth Third Bank credit card. After my XX/XX/2018 case filed with CFPB that was closed, Fifth Third Bank still have not refunded my other balance of {$2500.00} that was remaining charges that I am still waiting for refund. The balance increased as they keep adding interest charges and late fees. Now total of {$2900.00} as of XX/XX/2018.
The charges was XXXX, transaction date XX/XX/2018. The transaction was suppose to be use for my XXXX XXXX call XXXX. Which unfortunately a big fraud that was detected from Federal Trade Commission ( FTC ), the case information is : FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX ENFORCEMENT TYPE : Federal Injunctions FEDERAL COURT : XXXX XXXX of Florida With the court case, there's a receiver that handles and keeping consumer like myself, posted with the news.
XXXX XXXX XXXX " On XX/XX/2018, Judge XXXX entered a Preliminary Injunction, which I have posted on this website. Functionally, it operates the same as the XXXX, except that it continues in effect indefinitely. '' Obviously the bank have misinterpreted my charges and still put the charges back to my credit card and state I received services from XXXX through XX/XX/2018. Which the service was misleading and fraud found by FTC and the case is won, consumers like me are entitled for refund.
At this point, FifthThird Bank mailed me a warning letter this month about making payments to them, or they will take further action of garnishing my pay. This causes XXXX, XXXX from the unwillingness and refusal from the bank to look deeper into something that FTC has helped us consumer won such an important case.
Looking forward for help from CFPB. Thank you.
Regards, XXXX XXXX
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| 02/15/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
Older American |
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My company XXXX XXXX XXXX has a checking account with the Fifth Third Bank.
On XXXX XX/XX/20 at XXXX XXXX I sent them an email telling there were some fraudulent transactions with XXXX XXXX from people I don't know and asked them what I should do.
They told me that I had to go to the Bank to close the account, but it could not be done immediately because these fraudulent transactions were in pending.
On XX/XX/XXXX I went to Fifth Third Bank at XXXX XXXX to close my checking account, and the hackers had gotten more money from my checking account on the early morning on XX/XX/XXXX.
For the protection of all its clients, the bank has to place these fraudulent transactions in hold as well as the part that corresponds to my debit card.
An employee of the bank called the Fifth Third to the Dispute Center to report my situation, and the money still was pending on my account and they should have put in on hold while the investigation was on going.
The bank had total control at that time to help me, but They didn't.
That day the Dispute Center opened up 2 cases # s : XXXX XXXX XXXX and # XXXX XXXX XXXX.
A hacker with the fictitious name " XXXX XXXX '' carried out 57 fraudulent transactions on the same early morning of XX/XX/XXXX, with 2 different amounts. Some of {$59.00} and others of $ XXXX.From the same hacker, the bank recovered {$1.00}, but the bank rejected 16 of the transactions for {$980.00}, and They did not give me any kind of explanation.
I received a letter on XX/XX/XXXX in which the Fifth Third Bank required me to deposit the value of {$920.00} to cover the amount that the bank did not recover.
From the first case, {$260.00} were recovered, but from the second case, I lost the amount of {$980.00}.
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| 05/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have two issues or problems paying my mortgage.
1 ) During the process of attempting to resolve unapplied funds due to an escrow issue with 5/3 Bank, I have been given insufficient instructions on what to pay to get my loan current. During multiple calls, I have been told that the fees will be removed as the issue started with an error on the 5/3 's side which is confirmed by a letter received from 5/3 where the apologize for their inability to service and provide guidance to me. However, this inability continues and I now have another {$74.00} in late fee but none of my payments have been received late ( All within the Grace period ), and all in line with directions provided by 5/3 customer representatives. It seems like I have no way to pay this loan in-time or with the right amount as 5/3 is changing the goal post on my over and over again. Instructions and promises over the phone are wrong or pure lies.
2 ) In my attempts to refinance due to lower interest rates, I found out that my credit score is severely impacted by 5/3 's horrendous practices. This is also something that 5/3 confirmed and apologize for in a written letter dated XX/XX/XXXX. This mistake on 5/3 side will now cost me {$50.00} per month for the next 30 years or about {$18000.00}. During my many phone calls with a 5/3 representative, they constantly told me that this information would not be reported to the credit bureau. Another lie or misinformation. If I would have known, I could have paid the difference until 5/3 corrected my accounts. Again, how can you trust a bank institution when the can not provide accurate information or they straight up lie to you. Is their no code of conduct in this institution or within the banking industry?
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| 12/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Fifth Third bank is servicing my loan. Like all banks operating in todays market place, banks allow users or customers to pay their loan online through online bank. We can all agree, online banking is a standard in todays market place. Every bank EXCEPT Fifth Third bank makes it easy for customers to select or initiate automatic payments online through user profile or settings.
Fifth Third has processes in place which make it extremely difficult for customers to sign up for automatic payments. They do this on purpose so customers do not sign up for automatic payments, are exposed to expensive fees, and then Fifth Third charges customers expensive late fees when they miss their payment or accidentally miss their payment.
Fifth Third requires customers to print off a form, sign it, fax it or mail it. They do not allow an easy process such as online enrollment for automatic payments like every other bank. They also require sensitive information on the document such as account number, billing bank account number and routing number on their form. This leaves customers open and susceptible to fraud as the document that is faxed sits in a receiving fax machine for anyone to look at or simply gets lost in the mail if mailed.
Fifth Third knows the game they are playing, they figure if they make it challenging for customers to sign up for automatic payments, let alone maybe some customers don't have a printer or mean to mail or fax and then exposes customers to expensive unnecessary bank fees.
If Fifth Third gave their customers an online selection to initiate automatic payments then they would miss out on charging customers unnecessary late fees.
Fifth Third is taking advantage of people, please do something.
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| 04/19/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising
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Web |
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On Wednesday, XX/XX/XXXX, I applied for a loan to buy out the lease for my XX/XX/XXXX XXXX XXXX in a Fifth Third Branch on XXXX XXXX XXXX, XXXX, OH XXXX. The name of the banker was XXXX XXXX ( XXXX ). I brought in all of the paperwork from the original signing of the lease agreement ( which he made copies of ), and told him that I wanted to apply for a loan to purchase the car when the lease expired.
I was very clear that I was in a lease, and the paperwork I brought in that I gave to XXXX XXXX specifically indicated a retail lease order. There was absolutely no confusion that I wanted to buy the car upon the expiration of the lease. My wife was also present during the meeting and can verify this information.
In order to process the loan, XXXX asked me to complete a loan application along with a credit check. I was then told that underwriting would ask me for certain documents before I would be approved. XXXX sent an email that said I needed to provide a " bill of sale '' for the loan to be approved. When I called XXXX to request that information, they said that document couldn't be provided, but they would send documents to Fifth Third to process the lease buyout.
On XX/XX/XXXX, I then went into a Fifth Third branch at XXXX XXXX XXXX, and spoke with the manager onsite for the fax number so that those documents could be sent. She then called underwriting, at which time she was told that Fifth Third does not sell loans for car leases. I called Fifth Third 's customer support number and talked with two additional individuals who all told me that they didn't sell lease buyouts.
I submitted a credit application having been told that I was applying for a lease buy-out. This information I was told was false.
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| 12/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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called fifth third bank for mortgage forbearance around XXXX of 2020. The forbearance plan was initiated but was cancelled shortly after before my mortgage for the month of XXXX was due. Fifth third bank officially cancelled it after I called in. Afterwards I paid my mortgage on time for the next six months until XX/XX/2020. Thats when I called in to initiate covid mortgage forebrance again according to the CARES Act. This time I officially utilized it for 12 months. Fast forward to now its been a year and I have 6 month left on my extension for foreberance since CAREs act stated 18 month total for my situation, and the mortgage servicer confirmed I do qualify for 18 months. While on the phone with their customer service representative they stated I can not have my full 18 months because XX/XX/2020 I called in to start foreberance. They are counting the 6 months gap between XX/XX/2020 to XX/XX/2020 as foreberance taken, even though I wasnt on the the plan becuase it was cancelled and I made all Mortgage payment due on time during that 6 months gap. The customer service also lied on the phone stating they are doing this because its their investors policy. And the investor happens fo be XXXX XXXX which the representative gave me their customer service number. I called XXXX XXXX they have stated they never issued any policies regarding this and they abide by the CARES Act of granting 18 months of forbearance.
The above paragraph was from my last complaint. It's still valid. Now I need to my last 3 months of forebearance and fifth third bank has denied it again. I was told it might be possible to get an exception from XXXX XXXX to proceed but I still haven't received any confirmation from fifth third bank.
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| 02/19/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We initiated the mortgage refinancing process with 5/3 on XX/XX/XXXX. We sent the check for the loan application during this time. The communication with our loan officer and the exchange of documentation was consistent until approximately XX/XX/XXXX.
As of XX/XX/XXXX, I had sent 3 emails to our loan officer requesting updates on our refinancing. We were finally told our mortgage application was being evaluated in detail and awaiting the initial underwriting review. On XX/XX/XXXX, we received an email that the loan was received from underwriting and with a new processor. 5/3 processing delays and internal policies required our credit report to be run AGAIN. It is common knowledge that each time a credit report is run, it then alerts others who are reviewing credit ( and can be deemed negative ).
We received closing disclosure documents on XX/XX/XXXX. Per the email 's directions, we requested follow-up information from our loan officer ( the amount we need to bring to closing, the name that should be entered as the payee for the cashiers check, the closing date, the process for closing ). The loan officer replied that he could not " map that out '' at this point, and the title company and the banks closing department needed to review these details once the loan received full approval and finalize final figures.
I sent follow-up emails and placed phone calls on XX/XX/XXXX, XXXX, XXXX, and XXXX. I can not get adequate support to close this loan. I paid the fee over 7 months ago, the bank has run my credit report multiple times, and each month this loan remains open is an additional month that we are paying a higher mortgage rate than the rate 5/3 agreed to guarantee us as a result of this refinancing.
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| 07/01/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am filing charges according to my rights disclosed in section 609.. about my credit report not showing anything owed to this account with XXXX XXXX XXXX . There have been repeated threatening calls and just today on XXXX XXXX, 2019 a letter threatening to forward an account listed in the letter, for a possible litigation through a in the state of Michigan. They are threatening me, if I don't respond with payment of {$3900.00}, for an account that has no credit report backing it and no proof of a written signature by me, that by XXXX XXXX, 2019 they will pursue litigation against me.
I have requested them since receiving these letters to produce an original signature of my own hand-writing and the original contract for this account. I have in previous complaints submitted evidence of identity theft, which was also backed through local police reporting.
The company responsible is XXXX XXXX XXXX with address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX another address shown on letter is : XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX There report is on some, FifthThird Bank-Real Life Rewards with some listed Account Number : XXXX Reference XXXX Account Number : XXXX with a proposed amount owed of : {$3900.00} I am requesting you to ask them to produce evidence to you and me that there is a written signature by me and that they can show an original contract that would show this as a valid debt. I fear this may an identity theft issue.
I also do not see this debt reporting on any of my credit reports.
Can these institutions still threaten with calls and these letters without the backing of the credit report. I have included an attachment of this letter as well. thank you.
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| 03/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hello, I was never properly notified about any missing payments for my auto loan with Fifth Third Bank. I set up automatic payments in XX/XX/XXXX in which I was just told XX/XX/XXXX that it was only set up for two months and stopped XX/XX/XXXX. I was told the bank sent me automatic operative phone calls to notify me but those numbers come up as SPAM on my XXXX so I do not answer them. I was never given a voicemail, letter, inbox/documents tab on their online banking, etc. about missing payments. I did not know about this matter until I walked out of my home Friday afternoon XX/XX/XXXX to find my car was missing. I immediately called 911 thinking it was grand theft auto but come to find it was repossessed due to the missing payments. I am a very responsible person and make sure to pay my bills on time so I was in utter shock to find this information to be true. I spoke with the company numerous times in which they would not allow me to speak with a representative due to them being busy. I was told there are only 2 supervisors working compared to the 300. I would love to resolve this issue and miscommunication because it was drastically affected my credit history/score. Thank you for your time and looking forward to hearing from you.
For reference my payments are around $ XXXX/month and I had to pay a total of {$1400.00} to receive the car back. I have paid the past due bill in full as soon as I heard of the event and scheduled payments through XXXX in which that is how far the representative would allow me to go. I am in the process of trying to speak with a supervisor with Fifth Third Bank to help resolve this matter but I was directed to this website.
Thank you again for your time.
Best, XXXX
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| 11/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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After following the instructions on how to pay off the loan in full ( provided to me through the banking app ) I paid the total amount left to be paid. After almost a month and not receiving my title in the mail, I looked back on the app and it showed that I had a late fee, I was very confused by this so I contacted the bank via chat. They said that my payment didnt count as a payment because I didnt paid it all the way off. ( Even though my balance was XXXX ) the person I was chatting with gave me several ways to pay it off including using the app, and since I dont live near one of the banks branches, I tried again Thru the app. With no luck I call customer services, They said that the only way to pay it off was by calling customer servicesso I asked them if I could go ahead and pay it off, they said they couldnt take payment over the phone! ( But like I said, I followed the instructions given to me and my balance was XXXX ) Getting even more confused, and honestly annoyed!
I have never been late on a payment and now they are charging me interest on a XXXX balance and on top of that they are charging me late fees. At this point its a matter principle! Im so glad I took screen shots of the chat and of the fact the by balance was XXXX and the fact that I had already paid it offbecause now none of my payments or records will pull up online. I even took a screen shot of the instructions that I followed to pay off the loan. My goal now is to have them expedite my paperwork and over night my title to me, since I paid off my loan almost a month ago. And In a perfect world they should refund me the money they lied and said I still owed. This bank was 5th 3rd and I will never do business with them again.
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| 09/07/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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on XXXX-XXXX-2017 i deposited in my account XXXX dollares from a customer in 3 checks of XXXX each the next day i checkd with the bank and they told me the funds were avaliable for me to withdraw when i tried to withdraw the money the teller told me that the bank will need to verify the checks with the other bank come back tomorrow and be able to withdraw funds for me but on the same day my online account was blocked my personal and business accounts were blocked and nobody told me anything about it not even a phone call telling me nothing and i really need the funds to take my family out of XXXX to XXXX because of the huracan irma is coming category 5 now i dont have money or debit cards or nothing i called the bank and they told me they have an investigator named XXXX doing some investigations i called this investigator 5 times and not respond from her now what do i have to do now if they were going to block my online account or cards why in the world i was not notified in the first place so i know what is the problem now i dont know what to do i have family kids without money and a huracan irma is coming to us we dont even have moneyfor gas to get out of here this is not the right way to handle customers at all i wish i can sue this bank for this kind of behaivor i am contacting you because under the law you are the ones that supervised and take the appropiate sanctions against this bank i want to know what to do as soon as possible since this huracan is coming please help me my life and the lifes of my family is in danger and XXXX XXXX is responsible for thank you XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hours : Open today XXXX See more hours Phone : ( XXXX ) XXXX
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| 08/16/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I have been exploited financially by my mortgage lender, 5/3 Bank, by their predatory lending practices. I am and XXXX XXXX XXXX and was advised by 5/3 Bank to do a military financial hardship package because my residence was damaged during XXXX XXXX. My home was in a declared disaster area and a 5/3 Bank employee ( named XXXX ) encouraged me to do a forbearance plan in order to afford the repairs on my home from the hurricane. She told me that a forbearance plan would allow me skip 3 months of mortgage payment without penalty and would help me get through the devastating financial blow. I did as she suggested and skipped XXXX, XXXX and XXXX 's payments, resuming regular payments in XXXX 2017. I sent several follow up calls and emails to XXXX, but she stopped responding entirely after I had skipped the 3 months of payments. 5/3 Bank has used the skipped payments to justify foreclosure and has been sending documents and my mortgage payments to the SC home, despite knowing that I do not live there. They have illegally presented fake mortgage assistance and disaster relief options and have manipulated this situation to create justification for foreclosure. Additionally, they have used this false pretense to charge me late fees and are claiming I owe over {$10000.00} in missed payments because they have returned my mortgage checks to me. I have been preyed upon by 5/3 Bank because they know I am XXXX XXXX, divorced, supporting my XXXX year old daughter and XXXX mother and was relocated to a state that does not have physical 5/3 locations to dispute their illegal actions. I have also expressed to them that I am undergoing XXXX treatment and am unable to communicate during working hours because of this.
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| 02/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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We lost our home to a house fire in XX/XX/2016. After calling to file a claim to insurance we found out that our Private mortgage insurance which was being paid by our mortgage servicer through escrow was not paid by them and we had no insurance coverage other then what the bank had placed on our home to protect their interest. We have had same insurance for 10 years never changed and then bank fails to pay and all we are left with is a check to cover their interest. They said letters were sent to inform us this but instead of them just paying our PMI they payed for force placed insurance even though the money was in our escrow account. Why did n't they just pay our insurance policy that was escrowed? Now we are left with a home burnt to the ground and nothing else except a check to cover the banks interest. The money was their to pay it and I was told by 5/3 bank that the reason it was not paid was because there was no premium amount on direct invoice. I feel like that is a little sloppy on banks part when they are suppose to be taking care of something. I was called by 5/3 bank and asked if we still had our PMI and I stated yes and they still let our policy lapse and now we have nothing. We had our account escrowed for that reason. One so our taxes and insurance for paid every year so we would not have to come up with a lump sum at one time to cover it. So we do what we think is the best thing to do and instead we should have payed our insurance on our own if we knew we were going to have to baby sit the bank and make sure our premiums were paid. I do n't feel that we are at fault here. They said they sent repeated letters to let us know nothing certified though. So now we are left with nothing!
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| 09/30/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
- Payment process
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Web |
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I unfortunately last XXXX contracted XXXX. The medicine provided to help my recovery time ended up working negatively with the XXXX, i subsequently got sicker and fell behind on both my mortgage and my Heloc. I was somewhat relieved to find out that there was a program in place for homeowners with these circumstances called MI HAF.
I went through the application process and was contacted by a case worker who patiently walked me through what was needed as far as documents. One of the documents necessary to pay the Heloc and make it current was a letter from the servicer 5th 3rd bank ( Fifth Third ). I went into the branch on XX/XX/ and requested this document. I also didn't mind closing the Heloc withdrawal function because I was no longer with the person who I opened it with. Now i did specify I wanted it closed to ALL parties, and that I would work on just paying it down or off, but that i did qualify for this program that at least would bring the Heloc current.
That's when I was informed that you can not cancel the withdrawal function on the Heloc. The only way to stop the withdrawal ability was to pay it off or to wait 10 years.
I reminded all 9 representatives I spoke with over the course of 4 days that again MY property, and I am the only one on my deed, my property is tied to this Heloc and I wanted to close the ability to withdrawal on this product again for all parties myself included and again to no avail.
And it wasn't until the 4th day I found a " Hardship Assistance '' online for 5/3rd, on my own not one of the 9 reps i spoke with pointed me in this direction mind you. And their idea of hardship assistance is simply an email. No instructions, no one to contact, simply an email.
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| 05/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Over a year ago I bought a vocal booth from a company in Nevada called " XXXX XXXX XXXX ''. They had a " special '' deal going on and I was looking to get one for when I move out into an apartment that can withstand the weight since they are over 1,000 lbs. I asked if they could hold onto it until I move in and they said yes. They said I can make two payments for the booth with my debit card. One payment of {$3000.00} was paid on XX/XX/XXXX. The second payment for {$3000.00} was paid on XX/XX/XXXX.
I moved into my new place around 4 months ago and asked them to ship it. After 2 months of them saying they can't ship it due to " weather '' they finally said that they could ship it. I paid the " shipping '' and they " sent '' the booth. Nothing has been received. When I would ask for a tracking number, they would just say " it's on the way! '' The shipping was {$1300.00} and was paid with XXXX. I asked for a refund since nothing was received and they said " we do not offer refunds after 30 days. '' When I bought the booth the company had many good reviews and their website/social media seemed legit. Unfortunately, all of the good reviews are gone and now all XXXX reviews say that this company is a scam. I talked to someone who got scammed on XXXX and he managed to get his money back by setting up a fraud case with his bank.
I contacted my bank ( 5/3 bank ) for a fraud case. The two payments made on the booth could not be investigated because 5/3 said it was out of their timeframe. The shipping payment is still being investigated by them. I am wondering if you can help me get my money back. I can provide all proof about this because all communication with this company was through email. Thanks!
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| 05/26/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I was looking for a business loan so I filled out application. Once the application was filled, I started getting call from different lenders. So I received a call from this XXXX XXXX, who was calm and not pushy. This made me so comfortable that I did not think otherwise of his talks.
He mentioned because I did not have an established good credit, I will have to secure the loan with a security bond, which is going to cost me like {$6000.00} and some change. I asked for documentation from the security bond but was told they will only provide that once money is paid.
So to initiate the transaction, they will credit my business account with XXXX and will debit 3 times. On the XXXX day, I will wire the balance plus the cost of the security bond. The XXXX was credited into my business account on the XXXX. The debits was taken out of my account on the XXXX, XXXX and XXXX. and as agreed, on the XXXX of XXXX I wired ( {$9400.00} ) the balance of the XXXX plus the XXXX and some change. Once the money was wired on the XXXX, he stopped picking his calls, his emails started coming back undelivered. It was when it dawned on me that I have been scammed. To my surprise, on the XXXX and XXXX, they continued to withdraw from my account. which I have reported to my bank. on the XXXX of XXXX to recall the wire and also disputed other charges.
As of today, XX/XX/2022, 53rd bank has not updated me as regarding the status of this recall. I have made several attempt to call them to no avail. Every time I call, they said the other bank has not replied to them. They give me same excuse everyday up until today. This is why i am reporting that 53rd is not doing enough to help me get my money back from XXXX bank.
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| 03/23/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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The issue began when I tried to open a new account at Fifth Third Bank under a new customer promotion.
The bank denied me the promotion, saying I was an existing customer. However, I had no accounts with Fifth Third Bank at the time. I never consented to be a joint owner of the account they said I was. I asked for the signature card or any other evidence that I agreed to be on the account. They said they had nothing. I asked to be removed from the account. They refused. They are holding me accountable to a checking account I never consented to ( or even knew about ).
The banks official response ( paragraph 4, attached ) from last week is that I came into the bank on XX/XX/2019 attempting to open an account under a promotion, but was denied that promotion because I was already on another account. However, paragraph 3 states that I was added to that account on XX/XX/XXXX, XXXX days later! In other words, they denied me the promotion because I was going to become a customer 46 days in the future. Im not sure if they are claiming clairvoyance or time travel!
Other attempts to resolve the issue have resulted in similar nonsense. I talked to banker XXXX XXXX at the XXXX XXXX branch yesterday. He said he would not touch the account because there was no record of my signature on file. He said that creating an account without signatures would be grounds for terminationand he didnt want to become associated with it in any way that might risk his job. That seems to be the theme here. The bankers I have talked to all appear to be covering for each other because they know somebody will pay a price if they fix the problem. I believe that is why I have been unable to get my name off of the account.
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| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been furloughed in 2020 between XXXX. I have applied for mortgage forbearance and Fifth Third Bank granted me 6 months. In XXXX I called the bank to inform them Im back to work and I would like to restart payments. I have never received nor signed a forbearance contract. Nor I was informed that at the end of the forbearance I would have to repay the missed payments. In XX/XX/2020 Ive noticed in my mortgage statement that the entire missed amount is due. I called the bank and they said they will send me a mortgage addendum to have the missed payments applied to the loan. Addendum received, signed, notarized and sent back. I received a new addendum to sign due to the fact the first one was missing my wifes name as a co-borrower. I executed the second addendum and sent it back timely.
In XX/XX/2020 I have noticed the bank reported late payments to credit bureaus for the months of XXXX, XXXX, and XX/XX/2020. I have NEVER had a late payment in my credit history. I called the bank multiple times to have the reporting corrected. After months of calls and inquiries, the bank informed me they will not change the reporting since I have not paid back the missed payments on time?!
I hope my above explanation of the events is showing how I obeyed all rules and instructions at all times. I have never been informed ( in writing or by phone ) that I would have to pay the missed amount at the end of the forbearance. How would that help the customer anyway? I was out of work ( due to pandemic lockdown ) and immediately after starting work I would have to repay few months of missing payments???
I also want to mention that Im current with my mortgage loan.
Thank you for the attention given to my case!
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| 10/18/2016 |
Yes |
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Web |
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In XXXX 2016, I used a promotional check from Fifth Third CC ( Bank ) to pay for a large purchase with a 12 month 0 % Interest fee in the amount of {$2000.00} with a balance transfer fee of XXXX. We are careful about being sure to pay the amount off before the ending date. The balance of the card was paid off before we used the check. So there was a XXXX balance on the card when we used the check. Each month when the bill comes there is no date for the promotional ending period.
Today XXXX My husband and I spent almost 2 hours trying to find out the end of the promotion. Fifth Third then told us the promotion ends on XXXX XXXX. All statements are due on the XXXX of the month. We were shorted an extra month. If I had n't spent the time on the phone trying to get the ending promotion date we surely would have been charged a huge interest rate. Their customer service is told us there was no way for them to figure the end of the promotional rate until we went through all our statements. I believe this is a ploy to be sure many consumers will go over their date thereby adding millions of dollars to what amounts to a semi-scam. If there is n't a law to put the ending promotional date on credit card statements - there should be. I had another promotion on a different card that also shorted the promotion date. But because it gave the ending date for the promotion I was able to get it changed to the correct date.
When speaking to Fifth Third today, I asked for proof of the check and promotion dates. I was told by XXXX ID XXXX that he would provide this. However their customer services ( I spoke with 4 different people ) and three of the four had no idea what a deferred promotional interest rate was.
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| 08/07/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I went to deposit cash into my brothers Checking account at 5/3rd Bank. When I walked up to the teller, I handed her the deposit slip and the cash. She asked if I was on my brothers account. I said, No. She then proceeded to ask me for ID so she could make a copy for their system, and she asked me for my SSN, My Occupation & my Cell Phone Number. I told her I was not comfortable giving her all of that information as I DO NOT BANK with 5/3rd and I didnt feel comfortable giving them my information to hold in their system. I asked her why the bank required this information? She could not answer the reason why. I asked her, what if there is a data breech? I dont even belong to your bank and now you have my nppi in your system. She laughed it off and said, yeah like XXXX XXXX that just happened to? I didnt find that a joking matter. She told me that she could not accept the deposit unless I gave her that information this was a rule from corporate and shes just doing her job. I ultimately had to give her the information in order to make the deposit. I made the deposit and I left. I called the corporate office and asked to speak to someone who could explain to me why they require my personal, non-public information in order to make a deposit? The women at the corporate office could not answer my question and refused to connect me with anyone who might know. She said that must be a branch rule. I said how could collecting that kind of information be a branch rule? They are inputting into your corporate system? I asked her multiple times to please transfer to someone who knows the banks policies. She refused. This was the 5/3rd Corporate Number I dialed ( XXXX ) XXXX and pressed 0 for the operator.
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| 06/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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Fifth Third is unable to resolve credit card fraud and identity fraud. They put consumers at risk and make them go through hours of hurdles to try and get fraud resolved. It is reckless and irresponsible and shows poor fraud defenses on their end.
I received a notification from a credit monitoring service ( XXXX ) on XX/XX/2019 that there was a hard inquiry on my TransUnion credit report from Fifth Third Bank and 2 other banks. I did not make any of those inquires for credit so realized I was a victim of identity fraud. I put in a fraud alert for the credit agencies, and then was able to call and close 2 of the fraudulent accounts that were opened under my name. It took around 30 minutes to an hour of hold time, getting transferred, and putting in my info to get those fraudulent accounts closed. This is an XXXX, but I thought 2 banks had a good customer service experience to resolve identify fraud.
For Fifth Third, however, I have spent over 4 hours on hold and being transferred between departments but have been unable to resolve this issue. Fifth Third repeatedly says in their hold menu that I need to enter my account number of social security number to get faster service. I don't have an account number ( because it is fraud! ) and my social is not registering with them. So that means I sit on hold for 30-45 minutes since I am de-prioritized in the queue. When I finally do get a hold of someone, they say they can't access my application since my info doesn't match ( BUT OF COURSE IT DOESN'T MATCH. IT IS FRAUD. WHY WOULD THE INFO MATCH WITH FRAUD!! ). This is an awful customer experience and they are running the risk of someone receiving a credit card in my name and me being liable.
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| 09/18/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/2018 my account was compromised, all of my money was transfered from my checking account into a prepaid debit account managed by Fifth Third bank called Access 360. During this time I placed a block on my Fifth Third Checking account. With this block in place automated payments for bills were charged to this account and I was subject to overdraft and item return fees. A total of XXXX USD was subtracted from my account in reference to these automated payments due to no funds being available after my account was compromised. On the XX/XX/XXXX I contacted customer service the moment I notice the money was stolen and filed disputes. They have told me it is an issue with the prepaid card service Access 360 which is linked to my Fifth Third account. Since this has happened I have still yet to receive my funds back but now I have a total of XXXX dollars remaining in overdraft fees a total of 5 fees were assessed to the account in which 3 have been reveresed or returned, leaving the remaining overdraft balance to be XXXX dollars. I have contacted Fifth Third which they told me I needed to speak to disputes and disputes said I need to speak to customer service. All of which have said they can not reverse these fees. The fees are only there due to my account being compromised I had funds available before money was stolen and even then I blocked my account to avoid any transactions from being made yet they still took place. When speaking with customer service they had no interest in helping me only saying I need to speak to the dispute department which disputes said they can not dispute fees. I have a financial institution that has not been able to assist me with this account takeover.
|
| 06/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
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Web |
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XXXX stores were in a lawsuit currently with the State of Washington and XXXX. The lawyer in charge of FBA properties for Temporary Receiver XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Find a case FBA Stores I have files with the FTC also as the products and services were not provided. Currently, there is NO communications between XXXX stores and the public. Case is in settlement currently. Were purchased a package with them that was to give us lifelong access to a warehouse and packaging company, resources to wholesale companies, a paid trip to a XXXX XXXX and 16 lessons to teach us how to sell online/XXXX. We had issues with the company from the start and tried to resolve them on our own. In XX/XX/XXXX the entire company closed without warning. We no longer had access to any of the things we had paid for. We had no contact with the company and all forms of communication with them was out of service. We heard of the attorney handling their case. they were being sued by State of Washington and XXXX for fraudulent misrepresentation and others issues. I filed with credit cards As soon as I knew any of this was happening. Since this was something that was out of my hands and unforeseen I hoped the CC companies would work with me to get some of my money back Since I no longer had the goods or services I paid for. XXXX XXXX was very unwilling to work with me to try and help me get any of my money back. I received a letter saying Sorry but the length of time since purchase has been to long. I made the purchase in XX/XX/XXXX and filed fraud dispute in XX/XX/XXXX. I am very unhappy and disappointed that this CC was not willing to try to refund even a partial amount of my cost. Just a big fat SORRY!
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| 10/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
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Web |
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XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Re : Fifth Third Mortgage intentional delay of short sale of property Fifth Third Mortgage is intentionally delaying the short sale of my house in bad faith! We have submitted everything requested, more than once, and have been awaiting a decision since the submission of the Mortgage Assistance Application on XX/XX/2023 and the purchasing Contract on XX/XX/2023. We have repeatedly been advised that the file is with underwriting and that a final response would be received within a couple of weeks. A couple of weeks have now turned into 7 months!! We have repeatedly requested escalation of the decision and still no response. We call every week for months only to be told to leave a message and that a response would be received within a week or two. We last reached out to Fifth Third again on XX/XX/2023 and were advised that a supervisor would contact us same day or the next. It is now the end of the week and there has still been no communication from Fifth Third. It is apparent that Fifth Third is intentionally delaying the short sale! Both myself ( the seller ) and the potential buyer are frustrated and are both expending additional funds to maintain the property while awaiting the sale as well as temporary living arrangements while awaiting the sale. We have extended the contract several times awaiting Fifth Third and an additional extension may not be granted thus forfeiting the deal all together and having wasted months of money and time. Not to mention forcing the property into foreclosure which may be the actual intent of Fifth Third! Will you please assist and assess whatever consequences Firth Third may be due for this unprecedented delay!
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| 08/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I have an XXXX Checking account with 5/3 Bank. This account does not allow overdrafts, nor will it charge overdraft fees. On XX/XX/2018, 5/3 Bank allowed 2 different companies to debit my account totaling {$1400.00}, when there were no funds in the account at all. To top it off, I have nothing to do with either company that charged me, and the transactions are fraudulant. 5/3 Bank PAID all 3 transactions, even though there isn't overdraft coverage, and they game me a hard time filing a dispute with them to get my funds back.
I requested that they give me my funds back and file a dispute, and they gave me a hard time. I am having to travel due to a family illness and needing to take care of a family member over 800 miles away and can not until I get my funds back. It is possible that I not get to see this family member before they pass as 5/3 Bank has refused to expedite me getting a " provisional credit '' back for those funds, and advised me they can not give me a timeframe for if and/or when I will see my money again. I contacted the Office of the President, who then advised me it could still take DAYS to get my money back and that they can not control how slow/fast other departments work.
No one at 5/3 Bank can advise me why they PAID transactions without funds being present in the account, especially since there isn't overdraft protection on my account. Even if I wanted to add that coverage, I can not as the specific account I have DOES NOT ALLOW OVERDRAFT COVERAGE. They LITERALLY gave my money away when they weren't supposed to and threw a fit with me when I wanted to dispute the transactions. Now, I may never get to see my family member alive again because they did this.
|
| 06/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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The previous page where you could categorize what they were doing they were doing all of those things they threatened to Sue me and said they will be serving me with a summons either at my work or home, they also called family and friends they had not sent me a letter they had been calling and harassing me after I had told them that the debt had been paid. This all originated in XX/XX/XXXX I had a 5/3 account I never used and it was overdrawn by {$1.00} and I was never contacted by the bank so they waived all but 1 of the fees and I paid {$26.00} to bring the account to XXXX and I closed the account. Fast forward to XX/XX/XXXX when XXXX XXXX firm contacted me and said I owed {$210.00} for the 5/3 account and with it being 9 yrs later I had no proof that it was paid so I ended up paying the {$210.00} and received a paid in full letter. Then Friday XX/XX/XXXX I received a call from XXXX XXXX XXXX. This was the first time I spoke with or ever heard anything from this company no letters no nothing and when I heard it was for the 5/3 account again and they were looking to collect over {$450.00} I was not happy. I told them the debt had been paid and I would find the documentation on Monday XX/XX/XXXX. After I received a call from a private number on Monday XX/XX/XXXX that I did not answer I got phone calls from my brother, my dad and my fiance saying this place was calling for an account I owed on. They left threating messages on my voice mail and my fiance 's saying that they will be coming to my house and or work and will be proceeding to sue me. So now I have had my credit score beat up, the embarrassing conversations I had to have with the people they were contacting and so on.
|
| 07/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
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We entered into an Agreement with XXXX XXXX in XX/XX/XXXX for a new roof and solar system. The project was supposed to be 3-6 months and we are at 9 months now with no completion. They damaged our house on roof install and will not fix despite having a warranty. The solar panels are non operational as of XX/XX/XXXX which they have known since install at XX/XX/XXXX yet they were paid by Dividend finance for a completed project, and we are having to pay the electric bill and pay Dividend the financing of the system that does not work. They have stated they are short staffed and can't fix timely. We are unable to get any other person to speak with us besides who sold us the XXXX system. The finance company does not care if the system works, they stated it is not part of their process to ensure it functions prior to payment. We have attempted for months to resolve with XXXX with no success. I am afraid if we don't pay the loan for a lemon system and a servicer who is in breach of their servicing agreement my kids and I will lose our house. I feel like we were completely taken advantage of and misled by their products and services. They stated to us that they are going through transitions and have staffing issues, but I feel we have no recourse, and no one cares that they are misleading consumers and not fulfilling their end of the contract. I am looking to trying to obtain legal help but this company is fraudulent and using misleading and outright lies about their products. Other consumers should avoid them at all costs. I have months of emails of us trying to resolve issues to no avail. Below is the cert and licensing numbers Cert # : XXXX Cert # : XXXX Cert # : XXXX HIC # XXXX
|
| 07/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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On XX/XX/XXXX my husband and I went to the Fifth Third Bank at XXXX XXXX XXXX XXXX XXXX, NC XXXX to make a withdrawal from our business account. The day before, we made a deposit per our normal routine. Each XXXX of the month, we are paid from the company we contract with. The next day, we make larger withdrawals to cover expenses and transactions made from other accounts and banks. This has been a consistent pattern of banking that we have done since opening our account in XXXX. When trying to make a withdrawal from this location, we were denied access to our funds. XXXX told us that the money was not available. She said that it hadn't been " sitting '' in the account long enough to make a transaction. We could see that the funds were cleared in the account, and I had already made a debit card transaction. XXXX was a person who could sign off on the transaction, but because we were not " familiar '' to her, she also refused. Neither representative asked for our credentials nor even asked our names, they blatantly lied to our faces by telling us the money was not available. I felt discriminated against and disrespected by their actions. It was a situation that could have been avoided, had they simply looked at the account 's transaction history. After we left that branch, we immediately went to the branch at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. The representatives at that location had no problem making the transaction with no questions asked. On Monday XX/XX/XXXX, I went back to the XXXX location to speak with the branch XXXX, XXXX who agreed that actions like the one 's the representatives displayed are unordinary to the way customers should be and normally are treated.
|
| 09/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I really wish someone would review Fifth Third yelp reviews. There is something seriously wrong with this bank and it should be investigated! They have a 1 star review in yelp definitely the lowest I have every seen!
I have had repeated problems with Fifth Third Bank. They purchased my mortgage after I refinanced and have made the whole process incredibly difficult. The first demonstration of this was they sent me information to log in to their website to setup automatic payments but when I followed the instructions the site told me I was not in their system and could not set up an account. This caused me multiple problems because I had to setup auto payments through my bank on a static amount. Subsequently they adjusted my impound account two times. The first was without notice or at least I never received the notice or analysis. They then reported to the credit bureau that I had missed a payment when in fact they received the payment but it was minus the new adjustment. I tried to contact them and ran into multiple issues of getting disconnected. I tried to fight this but later gave up. This then happened a second time but they sent the analysis and a bill for the shortage in the impound account which I paid in full. Then started harassing me saying I was late on my payment and short by {$6.00} on a {$3000.00} mortgage. I tried to call multiple times and their system says it is transferring you but then hangs up. Then I tried online through their chat. After a week I got one of their managers to call me. She kept insisting this was my fault. I tried to explain the background context but this is absolutely the worst bank I have ever dealt with! Please look into them.
|
| 09/09/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I took a loan against my 401 ( k ) for the purchase of my home. I made a principal reduction payment, using the bank 's specific form, having selected the " principal reduction '' box. My sizable ( to me ) check was cashed on XXXX/XXXX/16 and as of XXXX/XXXX/16 the payment still has not been credited to my loan.
When I called to inquire, I was told that it would n't be until XX/XX/XXXX before I heard back. ( That 's a week at minimum of the money not earning interest in my own bank account and not detracting from interest on my loan. ) I was also told that there were a number of different avenues to resolution, including the possibility of having the payment applied to the principal. I then asked the phone rep to check my XXXX/XXXX/16 payment, which had not been applied to the principal, rather it was applied as " pre-payments '' ( another option on the bank 's form ). I 'd previously assumed I 'd just checked the incorrect box, but due to the mis-handling of my current payment I believe the bank mis-appropriated that check also.
I 've had numerous issues with this servicer that date back to the " how to '' call I made before making the decision to take this loan - I was mis-informed about how to make payments, full loan terms were not disclosed and not found on servicer 's website or in the loan docs. Now I can add what equates to grand theft to the list.
I was told that my payment was sitting on a desk with a note on it that said " unprocessed. '' No, my check was absolutely processed, money processed right out of my own interest-bearing account to my 401 ( k ) servicer 's account. They likely have cost me additional interest since my XXXX/XXXX/16 payment as well.
|
| 04/02/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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I made a mortgage payment on XXXX XXXX, 2015 in the amount of XXXX. I paid on the XXXX primarily because I was in the process of closing on a refinance and the loan officer did not want me to past the XXXX days. On XXXX XXXX, 2015 I was notified that I failed to make my mortgage payment and was now XXXX days past due. I spoke with a supervisor by the name of XXXX and explained that made a payment, but was told that my payment was XXXX short due to an escrow shortage that they applied to my account effective XXXX XXXX. 2015, so even though they cashed my check they did not apply it and would report my account XXXX days late. I explained that there were issues with escrow, that I had requested statements which I had not received but that most important, I was in the final process of refinancing my loan, WITH THEM, and was told both verbal and written that the escrow issues would no longer be an issue with the new loan and I start over. I was literally scheduled to close in XXXX days, only waiting for final payoff. XXXX XXXX took my payment for XXXX and said she would forward request for credit adjustment. Btw I had received only XXXX notice re escrow, called and asked for previous years escrow accounting because mistakes had been made XXXX made XXXX payments for homeowners ) but never received it. Bottom line, there should never be a reason a person is reported XXXX days late on a mortgage payment for a XXXX escrow shortage. Money that sits in an account and in an amount so insignificant. I will rethink refinancing with this lender but in the meantime, I need my escrow account audited and my XXXX day late to be corrected. At a minimum I have not been adequately informed.
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XX/XX/XXXX my loan was transferred to new lender Fifth Third Bank ( FTB ). XX/XX/XXXX I spoke to a FTB rep and completed a hardship app via phone. During the call I was told I was approved and my payments for XXXX, XXXX, and XXXX would be pushed to the median of my loan XXXX. XX/XX/XXXX. I was informed that although I completed the hardship app via phone that I still needed to complete a written app. During this phone conversation I informed the rep that I already completed app and was told I was approved. XX/XX/XXXX, FTB started reporting negative infractions on my credit report. XX/XX/XXXX, I wrote FTB requesting to review phone call in XX/XX/XXXX of theyre Rep approving me via phone call. During this call I was informed I needed to send in more documents that at no point did they informed me to send. Last XXXX, FTB denied my hardship app stating I didnt turn in paperwork. I sent a letter XX/XX/XXXX requesting their receiving process because I sent in documents certified mail. I continued to write FTB XXXX XXXX XXXX. No response. My last letter I sent I informed them of intent to sue and that due to it being past 30 days without a response, my compliant was valid. I then received a written response back from Presidents office of them finally starting to investigate my situation. In XXXX, FTB presidents office denied my claim stating their reporting is correct. I wrote them again to request them review the recorded call ( XX/XX/XXXX ). XX/XX/XXXX, FTB response to the recorded call that occurred XX/XX/XXXX wasnt a approval.
FTB is being dishonest to their consumers. I was approved via the call and thn told something completely different. Proceeded need to be updated
|
| 09/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY.
|
| 11/29/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I suddenly was notified by fifth third bank about my account being in the negative. there was no reason for the account be in the negative. I then began to question the bank on why my account was in a negative balance, and the bank proceeded to inform me that a a check for XXXX was deposited and withdrawn, then a XXXX dollar check was deposited and withdrawn, the XXXX dollar check was deposited and withdrawn then a XXXX dollar check was deposited and withdrawn, the a XXXX dollar check was deposited and withdrawn, then a XXXX check was deposited and withdrawn and finally XXXX dollar check was deposited and withdrawn from this account.
I continued to question the customer service rep concerning these transactions and notified them that i did not authorize any of these transactions at any time. They began to inform me of an XXXX XXXX who was in newyork and said that the payment was taken from the account for medical expenses. Which I have never been to any doctor in New York for any medical expenses being taken from my account. Then another check and withdrawal was supposedly for wages earned by myself from a grocery store that I was suppose to have worked. Which I have never heard or worked at any grocery store when I was able to work, because I have XXXX which at this time of my life i am confined to a XXXX XXXX, and have been for years. So there is no way that I could have traveled to connecticut to work at any grocery store.
I have attempted to work with the bank, but the bank is refusing to give me any information on my account. So i can see no other option but to report Fifth Third Bank to the consumer finance because of their actions and practice at this bank.
|
| 05/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth Third Bank is continuously charging me a late fee every month. On XX/XX/2021 my automatic payment from my bank account sent for {$1900.00}. I failed to change my auto payments to the new mortgage amount of {$2100.00}. So on XX/XX/2021, I sent a second payment of {$300.00} to make the payment {$2200.00}. Unbeknownst to me, Fifth Third Bank did not apply my XX/XX/2021 payments to the mortgage so when I sent in a payment XX/XX/2021 for the following month, it was counted as a late payment. From that point, I've been talking to Fifth Third Bank representatives every month trying to resolve this. Some have taken off the late fee on a couple of months but it is continuous issue that is still going on today. I've asked if there is a mortgage representative I can speak to face-to-face but they said no. They won't even provide resolution in writing each time I speak to a representative who states they've resolved it. I have to use days off to contact someone as my husband and I work Monday through Friday during their business hours. As of today, I have shared my bank statements and transactions with them showing each payment that I've made and the dates I've made them to illustrate that I've paid on-time. In addition to this, when Fifth Third Bank initially bought out our loan ( we didn't select them as a mortgage company ), they failed to include me on the mortgage. This took about 3 months to resolve. Now we are stuck on continuous late fees with unhelpful representative sending me in circles. I admit that this was initiated by my mistake with XXXX 's payment but they've made it extremely difficult to correct this mistake and they sure are making sure I pay for it.
|
| 08/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I have had my mortgage with Fifth Third bank for the past 5+ years since I purchased my home - the bank failed to disclose 1 ) by policy they will not re-assign the mortgage to another bank and 2 ) they recently are no longer authorized to originate loans in New York .
As a consequence, now that I am trying to re-finance my mortgage, I have to pay mortgage tax AGAIN ( ~ {$7200.00} ) - by not disclosing their policy, I was completely un-aware that I would be effectively penalized for switching lenders. As I understand, it is extremely rare for a lender to refuse to assign a mortgage to another lender. The lender should have disclosed this at loan inception so that I would understand how costly a refinancing could be.
Furthermore, while it would have been questionable/bad practice to keep borrowers stuck like that, since Fifth Third can no longer do business in New York, I have no choice but to pay more than $ 7K to switch lenders and lower my rate ( currently 5.25 %, well above market ). Fifth Third should have notified all New York borrowers of this change and offered an equitable option.
With all of the required disclosures, it shocks me that this was not among them.
I spoke with a loan officer at Fifth Third about this issue and he was rude and very unprofessional, insisting they 're not obligated to disclose this information and giving sarcastic responses.
I feel disheartened that even as an educated professional I was un-knowingly and un-wittingly cornered into this situation and will be forced to pay more than $ 7k out of pocket to lower my rate.
Fifth Third blatantly hid important information, it is a deceptive practice that deeply hurts the borrower.
|
| 06/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Tuesday XX/XX/2021 XXXX These issues started between XXXX and XXXX of 2021 when transitioning from one bank to another because of over average over draft fees. In changing over my bill payments to Fifth Third Bank I got a form sent to me to start having my payment come out of my XXXX XXXX XXXX XXXX account on or before the XXXX of each month. I was later told by a bank officials that I must also apply online as well for payment drafting from FTB which I said didn't make sense but I did applied online to.
I wasn't sure that everything would have went through successfully by XXXX, so I sent a payment in from a money order that I got from the currency exchange, but after looking at my account I noticed that the payment was taken out on top of the payment I had mailed in.
I went to Fifth Third Bank and informed them as to what was going on with the double payment and I was instructed to cancel the debit on her computer and I wouldn't have this issue anymore. I also call my insurance company and informed them as well and I was told that I would receive a payment back in the mail, but the double payment continue to come in up until XX/XX/2021.
My last memory of putting more funds into my account was on or about XXXX or XXXX at which I had a low balance until XXXX XXXX XXXX XXXX sent in another payment which put my account into the negative. My account is a XXXX because Fifth Third Bank never put my funds back into my account as promised to me several times. So I have not put any funds into my account knowing that anything that I put into my account would be eat up because of the negative balance.
I'm looking forward to a speedy response.
Sincerely, XXXX XXXX
|
| 08/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I would like to start by saying that this is the second incident of fraudulent activity on my checking account with Fifth third bank within the last 2 months. The incident in question was discovered on XX/XX/2022. I logged into my checking account to review my banking activity and noticed that there was a check cashed against my bank for {$1100.00} ( check # XXXX ). I immediately went to review my checkbook to determine wether this was a valid or fraudulent activity on my account and discovered there was no check written or signed by me for that amount. I also discovered, that a check with the same check number ( check # XXXX ) was made out to the XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/2022 for {$150.00} cashed on XX/XX/2022. In comparing the XXXX check ( original check ) and the fraudulent check, I discovered that the XXXX check did not match my check except for the check number, routing and account number. I immediately called the bank on Friday to discover that their fraud department was closed and instructed to go the a bank branch to file a fraud packet. On Monday, I went to the bank branch and filled out a fraud packet which in short, I was informed by corporate disputes that the packet that was given to me was incorrect. I filled out a new fraud packet and submitted said documents immediately. I was initially told that within XXXX business days they would have a resolution for me, yet 10 days came and went with no resolution. Since that 10 day period, I have spoken to numerous representatives and supervisors whom have repeatedly told me that it will be resolved within XXXX to XXXX business days. We are now without resolution going on XXXX month and 2 days.
|
| 09/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/XXXX 4 transactions came through my account.
1. {$10.00} withdrawal 2. {$30.00} withdrawal 3. {$30.00} withdrawal 4. XXXX withdrawal {$200.00} deposit.
The bank charged me 4 overdraft fees even though there was enough to cover the ( 2 ) {$30.00} transactions and the {$10.00} transactions. I called on the phone and was refunded {$67.00} however I feel I should have only been charged for one overdraft fee. I feel that the bank is allowed to create an opportunity to charge fees that could be avoided. There was a {$200.00} deposit that was more than enough to pay the 3 transactions, but they cleared the {$480.00} transactions to absorb all of the {$200.00} and make the account negative to justify charging the last 3 transactions. The last transaction to come in that is listed in the banking app is {$480.00} ye, t it was paid first. I am so sick of this bank and this scam and this government agency continue to allow this conduct. It's a shame while people are struggling and the government is not helping people the banks are robbing the customers. I have made prior complaints about this and I am aware of many other people who bank here and are having the same issue. The bank changes the terms all the time to scam the customers. Then they have the nerve to put a limit on the number of fees that can be refunded on the account regardless of the reason. I will keep complaining until something is done about this.
Received XXXX PMT ID XXXX {$200.00} WEB INITIATED PAYMENT AT XXXX XXXX XXXX XXXX XXXX - {$480.00} WEB INITIATED PAYMENT AT XXXX XXXX XXXX XXXX XXXX - {$30.00} WEB INITIATED PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX - {$30.00} Check # XXXX - {$10.00}
|
| 03/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
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I had an account with fifth third bank that I had not used in over a year. There was a single deduction still being made from the account that I was unaware of. I was notified by an automated phone call that there was a problem with my account which prompted me to call the bank. Upon making this call I learned that there was an over draft ; informing me that the account -- that I thought was inactive -- was actually still being debited. I asked the individual how I could bring the account current ; the option of just paying the debt via a credit card ( which I later found out would have been an option ) was not offered. He offered no solution other than for the company to whom the payment was made to refund the money to the bank. I have never received any mailings regarding the account being delinquent or overdrawn from XXXX bank. I did, however, receive a mailing from XXXX XXXX collections agency to my correct and current address which they stated was obtained from fifth third bank. I am curious as to why the bank did not send me any notification of the accounts status or its pending transfer to a collections agency. I have subsequently paid off this debt in full to the collections agency but am unhappy that a customer of any bank could be sent to collections without proper notification ; particularly after I had reached out to them to correct the problem. It is also interesting that the collections agency actually obtained my address from XXXX bank per their employee ( name and employee number in my possession ). And, to boot, the account could have simply been brought current and closed over the phone avoiding all of the hassles and headaches thus far.
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| 09/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello XXXX XXXX here. My MTG was bought from MBNA by Fifth Third Bank. Had an insurance claim start under MBNA, they sent me my check and withheld 10 % until completion of work. For another check after Fifth Third Boght my MTG and. Now they won't release funds until I have signed contracts and W-9 s from the previous contractors. Well that's not right. They should not be able to apply their method to work done while they weren't the MTG holder. Now they want me to call back contractors and get this paperwork for jobs completed months ago. Not to mention some of that paperwork is in any garage because the house is a mess and all the furniture is in my garage. Now they are essentially telling me to get paid check receipts and send to them and maybe that will work. Maybe? This is crazy I have an $ XXXX home with a $ XXXX MTG and forget forget about the $ XXXX insurance check, I've upgraded $ XXXX in this home that they hold as the asset. Now they are holding {$11000.00} until I get this paperwork. I'm sure I'm not the only one they do this to? Just jerking me around to keep my money. Absolute scumbags. Go stop them from screwing homeowners. It's kind of your job! As you can see from the pics attached the work is moving along nicely.
What's done : Floor and walls and basement Drop ceiling basement HVAC Basement Refinish Hardwood 1st floor New banister and railings Drywall completed Ceilings and walls painted Installed hardwood in Master bedroom instead of replacing carpet Paint Master Bedroom Left to do : Master bath Tile Tub and shower. It's incredibly frustrating to be treated like I'm stealing the money and to not be trusted as grown adult. Just stupid.
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| 08/29/2022 |
Yes |
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- Trouble during payment process
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Web |
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After ending my 6 month COVID-19 Forebearance with 5/3 Bank, which ended XX/XX/XXXX, I received a letter in early XXXX stating that I must submit payment to avoid further action. After making many attempts to communicate with the bank and explain that I had applied for Illinois housing assistance, I was told that they have no information to that regard.
I received my XXXX payment, so I paid the amount the letter stated, and separately maid XXXX payment. I continued to reach out to the bank asking that the funds they received be posted so that I would not incur further action. After many attempts, I was told I hadnt paid all that was due, and that I had late fees.
So, I submitted a payment for XXXX to cover late charges that should not have been charged.
My mortgage payment was shown on account but not posted to it, so I called again. They said they are working on a loan modification. I explained that I dont want a loan modification and that the money I sent still had not been applied. I explained I did not know of any modifications except the Forebearance that already passed.
Finally, I checked and saw payments to mortgage posted from the funds I submitted in XXXX. Then I made XXXX payment. Then I received a statement requesting money for XXXX, which was more than it shouldve been. Concerned, I sent that payment and am still waiting to see the documentation of the payment submitted in XXXX.
I requested that my account be reviewed for accuracy and was transferred to many representatives without any resolution.
I need help in getting 5/3 to communicate with me and explain where money was posted and why I was charged late fees or other fees.
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| 03/05/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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Step 1 : What is this complaint about?
Unauthorized or unwanted checking account. Unable to access funds. Unable to get funds placed in correct account Step XXXX : What type of problem are you having?
XXXX, pay card issues, transfer between accounts.
Step XXXX : What happened?
When I was hired by XXXX XXXX Solutions I was informed that direct deposit was a requirement. No problem, on day one I had my bank information including a voided check ready to go. I was informed by VXI that I could not provide my banking information because they require a paycard ( Wisely card and Fifth Thirds Bank ) for our first paycheck distribution.
I attempted to transfer funds from the paycard 's checking account, which I never authorized to be opened in my name, to my personal bank of choice XXXX. XXXX verified the account with XXXX/Fifth Thirds Bank by making two small deposits. There was no problem with these two transactions. Then using the XXXX app I transferred {$200.00} to my XXXX account from Wisely. There was no problem with this transaction. When I made my second transfer from Wisely into my XXXX account for the remainder of my paycheck 's balance, XXXX/Fifth Thirds Bank informed XXXX that my account with them was closed. This caused problems with my XXXX account.
XXXX XXXX Solutions informed me that they will not place my full pay with XXXX as a direct deposit as they will only pay bonuses to the XXXX/Fifth Third Bank account which was opened in my name without my approval or fore knowledge.
Step 4 : What company is this complaint about?
XXXX XXXX Solutions, XXXX/Fifth Thirds Bank.
Step 5 : Who are the people involved?
XXXX XXXX XXXX XXXX, Myself
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| 10/14/2019 |
No |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
Servicemember |
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I have financial troubles for my business. I took out several XXXX XXXX XXXX XXXX to help, these lenders were to take daily ACH withdraws towards payment. I had to temporarily close my office, 5 weeks, in XX/XX/XXXX. My accounts receivables were not enough to cover loans, so I informed the XXXX 's and asked for help. They offered little.
I contacted my bank to ask for help, I wanted to get their help in stopping the ACH withdraws ; I knew if they went past my balance, I would be charged overdraft fees. The bank said they could not stop the ACH debits, only close the account, once it was a positive balance. I had been in contact trying to get the XXXX 's to back off a little but the OD charges kept piling up.
I discovered your website and read the information that stated the bank COULD have stopped the ACH withdraws. I immediately emailed the bank, who danced around the issue offering to " consider '' helping once my balance was positive.
Currently, my account balance is XXXX, of that {$3500.00} is in OVERDRAFT CHARGES!! I have asked them to remove those charges and I can then make arrangements to get the account to a {$0.00} balance so the account can be closed and I can cease doing business with them. Basically, get out of their hair! They said once I get the balance at a XXXX, they will discuss the OD charges. Seems to me they want me to XXXX out the account, then tell me tough stuff.
My attorney says I have a potential claim against them since they have potentially violated certain banking laws. This is causing me tremendous stress, which adds significantly to the stress I already have concerning other financial issues. I need help, fast!
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| 05/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Older American |
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In 2016, I took out a line of credit with Fifth Third Bank to borrow money for some property that he was purchasing. Upon purchasing and selling the property, he immediately paid off and closed the line of credit. Despite closing the line of credit in 2016, Fifth Third continued to charge an annual fee of {$65.00} or a total of {$390.00} for the following 6 years. The interest rate for the line of credit was 4.74 %. Approximately 3 years ago, I needed a loan and went to Fifth Third and secured a {$3000.00} loan with an interest rate of 12.99 %. I have been assessed over {$1000.00} in interest rates since paying off the loan a month ago. In XXXX of this year, I went to Fifth Third requesting an application to submit for a line of credit. The Fifth Third representative told me that I already have a line of credit in the amount of {$80000.00} which I assumed had been closed in 2016 when I paid it off. I have contacted the Branch Manager ( XXXX ), as well as the District Manager ( XXXX XXXX ) and have requested that either the interest rate for the {$3000.00} loan or the annual fee for the line of credit be reimbursed due to the fact that I would not have agreed to the much higher interest rate of 12.99 % if I had been told that I could access funds from the line of credit. Despite several efforts to come to a resolution, Fifth Third is unwilling to reimburse me for what I feel are double charges. At the very least, Fifth Third acted in an unethical manner by only offering me a high interest loan of 12.99 % when I had a much lower line of credit rate of 4.74 % available and wasn't aware. I would like to get this resolved as soon as possible. Thank you.
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| 07/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My wife works as a XXXX XXXX with Fifth Third Bank and is very fearful of reporting this issue, for fear of retribution to her and her position. Fifth Third owns a title co called XXXX XXXX XXXX and for many years, loan officers were forced to use XXXX for all refinances and if they did not they were written up for not following procedures. This does not follow the federal guidance that allows the borrower to choose a title co. Most borrowers do not know who to use or how to shop it and so they usually ask the loan officer who to use and the loan officer at Fifth Third is only allowed to use XXXX. They are required to disclose XXXX fees and have no other option to show the borrowers. XXXX fees are higher than many other title companies. They tell their loan officers in the training that most borrowers on refinances will not shop and will just go with whoever the bank discloses on, so this is very very deceptive to the consumer. This practice had been halted for about 3 years and the loan officers were not forced to use XXXX, but just recently, they put the rules back in place and the loan officers are forced to disclose XXXX again and not allowed to suggest any other co, when fifth third and the loan officers know that XXXX is fully owned by fifth third and they know the borrower will just go along and not shop it. THIS IS DECEPTIVE INFORMATION TO THE BORROWER and Fifth Third is banking on the consumer having little knowledge of the industry and to just " go with it '' and fifth third will make the fee income off the title insurance since the market is down and they are not making as much money from loans as they have in the past couple of years.
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| 03/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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A 1099-C was received in XXXX of XXXX, stating that {$60000.00} of mortgage debt was cancelled on XX/XX/XXXX. The monthly mortgage statement do not show this amount removed from the outstanding balance of {$43000.00} as of XX/XX/XXXX. Shouldnt this have left a credit on the account?.
Fifth Third accepted a Michigan Homeowner Assistance Fund Grant for {$25000.00} in XXXX of XXXX.
Two Loss Mitigation applications have been submitted per Fifth Thirds request. One in XXXX of XXXX and another in XXXX of XXXX.
Each time I call Fifth Third for updates and assistance, I received conflicting information.
Since the Federal Government has been notified that {$60000.00} of debt has been cancelled, I would like to know why is not appearing in my monthly mortgage statement.
I am a single mom with XXXX kids, XXXX of them were born with a rare type of XXXX XXXX called XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The care of my children is very complicated and a 24 hour job. Both of my children are XXXX they use XXXX XXXX since they were XXXX XXXX XXXX. This home is a necessity for my family, is handicapped accessible, many charities organizations have helped me renovate the kids bathroom to make it accessible as well as ceiling lifts in their rooms since my daughter is XXXX XXXX and need to be lifted several times a day for brief changes, baths an all the care they need. I can not emphasize enough how important this home is for my kids and myself, as it is this is an exhausting job, I can not imagine living in a house with steps and narrow door entrance. I need your help. Thank you
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| 11/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Servicemember |
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Fifth Third changed my mortgage payment amount as a result of an escrow adjustment and did not notify me either via mail, email or on their own payment portal. I continued to make the payments in the old payment amount as that continued to be reflected in their portal and I had no knowledge of the XXXX dollar change Fifth Third did not credit any of the payments made to them since the amount was XXXX dollars lower than they expected to receive I found out only when I applied for a loan from my local bank and they told me that I was late making payments to Fifth Third. I showed the local bank the payments made electronically out of my account to Fifth Third but it still resulted in my being denied the loan.
Contacting Fifth Third to try to sort out what happened was a months long nightmare I was told repeatedly everyone was " working from home because of the pandemic and some things had fallen through the cracks '' by one employee who promised to resolve this and told me I would hear back via phone from a supervisor which never happened. I continued to call and ultimately was told they had not credited the payments because of the escrow change and had held all of the payments I made in some sort of unclaimed funds account, waited a certain period ( I was told 30, 60 and 90 days by different employees ) and that they had then mailed the money back to me via check.
I have to date received NO checks Fifth Third acknowledges they were never cashed So essentially they have my money ( somewhere between XXXX and XXXX XXXX dollars given their portal and lack of communication it is not super clear to me when they stopped crediting payments I was making )
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| 01/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have a pending complaint against Fifth Third Bank, complaint XXXX. On Friday evening, XX/XX/2019, I attempted a transaction on my debit card. The card was denied. I tried again, the card was denied. I had nearly {$7000.00} in the bank. I called the bank, I was transferred three times and spent over two hours on the call. After two hours and seven minutes, I was connected to the dispute department at which time I learned via the representative that my bank account had been frozen due to the claim I filed for reimbursement of fraudulent activity. The bank refused an explanation as to why our account was frozen and would not explain to me why they had placed over a negative $ 16K fee/balance on my account. The fraud department supervisor ( XXXX ) would only transfer me to the fraud investigator 's voice mail ( XXXX ) something the bank previously stated was against bank policy. I filed a police report on the fraud and an officer has made an attempt to provide images of the thief ( s ) that corresponds to transaction receipts on my account. However, Fifth Third declined the images. Fraud has been proven.
I received no notification that my account was being frozen. My account was frozen during late afternoon/early evening on a Friday afternoon, ensuring we would not have access to our funds during the weekend. We have no ability to access our funds in order to purchase fuel for our car or groceries for our family. This is an effort to intimidate and cause financial hardship on our family. The bank is engaging in predatory and retaliatory business practices and attempting to make us absorb the fraudulent activity we experienced through their bank.
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| 04/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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- Problem with customer service
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Web |
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Long story short, I deposited a cashier 's check for {$10000.00} into my 5/3rd checking account, which did have existing funds deposited and available prior to this deposit, on XX/XX/2023. I did so in person at the local branch and was told by the cashier that the funds would be available the next day. That should have been the first red flag because I've never heard of a hold being placed on a cashier 's check from a major national bank, but as a consumer you tend to believe what the bank agents tell you. Today is XX/XX/2023 and the funds are still not available to me, despite the fact I was specifically told, in writing ( boom ), that they would be available on this date in the morning by the bank 's representative. More so, the customer service, if you can call it that, has issued many reasons for there being a hold on the deposit, all which I have in writing and can't wait to submit. These include, " it's for my own protection to avoid overdraft fees '', " unable to verify the fund 's availability in the initial processing with the check issuer 's bank ''. I'd like to point out again that it is a cashier 's check from XXXX XXXX so the check issuer and the check issuer 's bank are one in the same. They even went as far to suggest that the check could be a fraud and the funds again have to be verified, hence the hold. When I asked why they couldn't simply call XXXX XXXX since they have the check number, date issued, amount, and payees, they told me " customer service can not make phone calls ''.
I'm just going to attach a bunch of screenshots that show everything in writing and prove that this was gross misconduct on behalf of 5/3rd bank.
|
| 10/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
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As of XX/XX/2022 I stopped into local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and spoke with a Personal Banker. About not having online access she saw note on account and called fraud department fraud department informed of closing account reason was not given we were left confused me and banker she later found out due to dispute but mentioned how unusual that is since your dispute positively resolved in XXXX and I said I havent had access to the account since XXXX time all I can see is emails that payroll is still going into my account I want this hold lifted immediately online access restored or I will write to the ethics department board of directors of the bank and the state attorney generals office. Due to restricting me from my account and funds with no reasoning given I was provided no notice to my address whatsoever and no online notice to my email as well. I seek resolution to resolve this and reverse such a decision on the grounds of no merit and inconclusive findings or I will contact alternative channels and my local news affiliation as well. For reference account was opened in XXXX FL I seek prompt resolution to my query.
This inquiry was investigated though the wrong account details was provided my account I am stating ends in XXXX the company replied back with something that doesnt match my records and 2. I have deposits from XXXX going to this account and I have been barred access the email on file with bank is XXXX my uncle email where my statements are received I keep getting daily balances emails. 3. My account keeps charging and charging but I cant access it or stop anything or get my funds.
|
| 02/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Trying to get PMI off my Fifth Third Bank mortgage. I have called them about it 2 times in the last 3 years. and they just say no! I have to get original loan down to 78 %. But I explained to them that the housing market is way way UP! and i shouldn't need it anymore. I have 2 home mortgages with them and a excellent record .Especially since I have been a good customer for 30 years and never a late payment or bounced check.. It's clear they just like to make ME pay PMI and they get protected. what's up with that? I think I should be refunded for the last 3 years because, fairly I don't think the loan has needed it. Now I am {$6000.00} away from that officially .... but paying it for years unneeded. Today its XXXX estimate is {$160000.00} and i owe {$94000.00}! ... it seems to me they are so greedy. If something happened they could easily get the money they need and they should know it! if they were a ethical company they should of taken it off at least temporarily while my home value is high. they don't intend to, they sent me a letter showing me a document I signed and IM stuck! very " hold to contract '' feeling I get. and they claim to care about people? but pmi is unneeded? I think i've paid enough pmi payments for the last 20 years at least but never missed a payment on my 2 mortgages ..I don't know maybe it's an oversite? it seems to me they should of taken that stuff off a long time ago..and the Escrow account bounces all over the place but that's another issue. shouldn't i be trusted by now to pay that on my own taxes and insurance? OH well, I guess have to be still on probation? : ) Makes me never want to finance anything ever again..
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| 02/21/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
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Web |
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XX/XX/2011 I had 2 cd accts I used to have a cashiers check made to XXXX XXXX and XXXX in the amount of XXXX XXXX. since then i was made aware that the funds were never signed or cashed, nor applied to my house. i have proved to 5th 3rd that I had those funds and the agent from the bank all but called me a liar. I told her what I had and it as recently they admitted i had put the overage of the cashiers check into my checking account. I have not been with that bank in years and also the branch I got the check from doesn't exist because of the new bank that was built. I received absolutely no help from the customer service people and the VP office I made complaints to. I filed a complaint with the consumer 's protection site and the bank responded to me and not to them. No one from the VP office except one lady has called and sent me some paperwork. All she sends is information on my checking account. The bank has no copy of the check, i got no receipt, no one has signed or cashed the check. My husband will attest to the existence of the check, if he had cashed it he would not come home. XXXX states they never received the check. There was an employee of XXXX that heard my husband state he took the check to the XXXX XXXX, so did husbands girlfriend.
I am/was working with XXXX XXXX at 5th 3rd who was rude, and various people that managed to be promoted or whatever. I am XXXX years old partially XXXX but trying to work and that money is missing and is all i have to show for working all my life I now have proof, thru XXXX XXXX, a paper XXXX XXXX sent about the other XXXX XXXX put into my checking account and a notarized letter from XXXX XXXX XXXX
|
| 07/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
XX/XX/XXXX paid {$1700.00} ( XXXX # XXXX from account on XX/XX/XXXX ) at Fifth Third Bank branch in XXXX XXXX to pay off mortgage.
Fifth Third sent letter dated XX/XX/XXXX confirming mortgage # XXXX, paid. Letter stated it would take up to 90 days before Lein release is recorded. XX/XX/XXXX, called XXXX XXXX XXXX of Deeds inquiring about lien release. They had no info.
XX/XX/XXXX @ approx XXXX pm, spoke with a XXXX XXXX XXXX XXXX at Fifth Third branch located in XXXX, XXXX. XXXX XXXX pulled up the account and informed me that the process had not even started. This is now six ( 6 ) months since pay-off. XXXX XXXX sent an Email to the mortgage department for an inquiry.
It is now approaching two ( 2 ) months and still no release. Included in the pay-off amount was a fee of {$30.00} for recording the Lein Release .
This is the same bank that on XX/XX/XXXX Website was malfunctioning. Attempted to pay credit card ( XXXX ) website would not issue a confirmation #. Attempted two more time with no confirmation # issued. Called and a Fifth Third representative processed my payment. Checked bank account on XX/XX/XXXX, bank account had four ( 4 ) payments debited ( extra {$360.00} ). Minimum payment was {$35.00}, I paid {$120.00} on the account. At XXXX XX/XX/XXXX, spoke with a representative XXXX who assured me that Fifth Third would rectify and reimburse any fees. XX/XX/XXXX {$240.00} reimbursed to bank account. Went to the XXXX XXXX XX/XX/XXXX to inquiry where the other {$120.00} was. Fifth Third cut a check on XX/XX/XXXX. ( XXXX XXXX Bank should have shut down web-site. ( XXXX ) With no confirmation # payments should not have been debited.
|
| 10/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I have been trying to resolve a credit card issue with Fifth Thirds Bank since around XXXX, when someone fraudulently charged my credit card from XXXX ( I live in XXXX XXXX XXXX Since then, they have stood behind a nebulous and archaic system of long hold times ( regularly over an hour ), phone transfers ( as many as four times before I can speak to anyone ), and claim denial - I initially had filed my claim as an incorrect amount because I had ( coincidentally ) bought something from the vendor who had charged me. The company listed the dispute as denied without ever looking at the name associated with the charge. I was asked to e-mail new information about the case to their disputes e-mail, which is apparently unused. They could not find my e-mail ( I've called twice about JUST THIS particular phase of my claim and been promised that I would receive a call back, but nothing was done ) despite my having followed the instructions for e-mailing a document. TODAY, I was told that I shouldn't use e-mail ( why do they HAVE an e-mail address then? ) Because I initially filed my claim as an incorrect purchase amount, the company has closed the chargeback claim and ignored everything that I have sent to them about this. At this point, the {$99.00} charge has cost me so much in time that it has turned into working for less than minimum wage to get it back. They have repeatedly promised to have investigators call me back and never did. They insist on things being faxed and " snail-mailed '' to them in a way that is clearly designed to insulate anyone who can make decisions on chargebacks to make it difficult for claimants to get their money back.
|
| 04/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
A loan application was made through XXXX lenders. Which I've now learned is Fifth Third Bank National Association, XXXX Program. During an internet search I'd found information leading me to your agency. It referenced a lawsuit being filed on behalf of consumers against Fifth Third Bank for hostile lending practices. Case : 1:20-cv-01683 Filed : XX/XX/XXXX. On or about late XXXX early XX/XX/XXXX I'd contacted XXXX XXXX XXXX, NY for replacement windows. During the initial meeting and rough measure, the salesman did an application for credit. It been a couple of months and I started to be billed by XXXX. I contacted them and asked why I was receiving billing statements? XXXX of XXXX hadn't even done the final measure on my windows. XXXX assured me this wasn't uncommon and I didn't want a record of late payments. So, I agreed to make the first few payments in good faith. This was before I learned what had happened at XXXX XXXX, NY. The entire branch in XXXX had left no one was employed for approximately two months after my initial appointment. They've are no longer an installer and are now service only. I never received windows nor do I want them. I never authorized any transactions be made using the XXXX " Shopping Pass. Yet, XXXX continues to bill me and now send Past Due Notice. The last dated XX/XX/XXXX threatening to report me to consumer credit agencies. I've filed complaints with the XXXX and XXXX Attorney General 's Office. XXXX refuses to acknowledge my request even though they've been informed I don't have windows. I received letter from XXXX informing me Champion XXXX, NY is no longer an installer and is a Service Only Branch.
|
| 07/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
After receiving the response from 5th 3rd bank stating that they needed more information to accommodate my XXXX. I contacted the bank the best way I could for equal access. I first spoke to XXXX, who indicated that since I had made a CFPB complaint she could not help me and that only persons who were not at work could help. She refused to serve me. She did transfer the call to XXXX, I asked XXXX what info they needed. She said they needed to know the type accommodation I was seeking. I told her " effective communication '' she said that I needed to be more specific, I tried to explain the difficulty I have with access but she refused to accommodate my XXXX and refused any process to figure it out. Instead she shifted the burden to me and told me I had to be more specific. I told her we could start at CFR 35.160. She refused to look it up. And refused to further the process to accommodate my XXXX. 5th 3rd bank also lied to the CFPB regarding the insurance requirements. They are now charging me {$2300.00} per year for insurance. They said they they are taking the insurance payments out of my escrow acct. In the end they hung up on me after telling me they would hang up on me. They refused to serve me at the time I needed and are still charging me for insurace on a home that burned down. I also no longer have access to my escrow for the home rebuilding. They have removed my access saying I can only speak to " XXXX '' yet my acct is at 5th 3rd. When I call the president office they do not verify who they are speaking to and make assumptions based on caller ID. Since caller ID can be spoofed, this compromises my security as it could be anyone
|
| 08/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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I started the refi process back in XX/XX/XXXX with 5/3 bank. I received a packet of paper work and it was mailed back in estimated dated of XX/XX/XXXX. I received confirmation from the Mortgage Loan Originator that all paper work was received and my application fee was processed on XX/XX/XXXX for {$390.00}. I have been having a hard time with communication to find out what is the hold up in the process. I have been told numerous times that my paper work is in the underwriting process but the underwriters are behind in work due to COVID-19 crisis. After several weeks to find out what is going on I continue to get the same information. I have asked for a refund due to no one is working on my application and I would like to look else where. I was told that I could not get a refund back because my process is waiting on the underwriter. I have asked to speak to a manager/ supervisor several times in regard to my issues and complaints. I have sent several emails but I have got no where with this process. I would like to a refund due to the process that no one is working on my application process and I need to find me another company to refinance with while the rates are low. I explained to the mortgage loan officer that I was concerned on missing out a possibly lower rate due to the waiting process. She told me that there was nothing she could do about it but she would talk to her manager 2 weeks went by and I never heard from her. I called her again on XX/XX/XXXX to follow up with her and she do not have a complete answer for me and still was stalling. I told her I felt like I was being ignored and my paper work was sitting on someone desk.
|
| 09/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I received a car loan from Fifth Third Bank back in XXXX. I paid off the loan completely by XXXX. The bank never released the title. I called them and asked them to release the title, they told me they would, but never did. XXXX hit and I forgot about this issue.
Forward to now, I'm trying to either get different insurance or sell my car ( depending on the insurance ), but I realize I need the title. I put in a request in the California XXXX for my title, only to be informed that the bank never removed the lean like they were supposed to. I was told that I needed to pay money fill out some forms and get a letter from the bank that the lean has to be removed. I called the bank on XX/XX/XXXX and requested the document. They told me they could fax it to me in XXXX business days. I waited until the XXXX with no fax and called them again.
This time, they told me they don't know what happened, and that I would need to request it again. I argued that it had already taken more than a week and I couldn't keep waiting, but they gave me no option. They opened up a case number and told me they would call back in 3 days. Today, XX/XX/XXXX was the XXXX day with no call so I called them. They informed me that they are not allowed to fax this letter, that I've should have been told, but now they have to mail it. They will not expedite it and I will need to wait XXXX business day so they can ( hopefully ) mail it out.
At this point, I don't believe the bank has any of the paperwork. They will not release the lean or provide me with the documents even though the loan was paid off. I need help with actually getting them to release my car and my title.
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| 05/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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Web |
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I opened an account with a bank for the sole purpose of getting my bills drafted from the account. I received my stimulus check from the federal government that was issued to me from the federal government. I drove to my bank to deposit the check in my account, which seemed to be a normal process. The following morning my debit card was declined while attempting to purchase my groceries. I couldn't understand why so I checked my account online only to discover that my account was over a half million dollars in the negative, so I called the bank, only to be told that it was normal when there is a hold on a check. I still was confused, considering that it was a check from the federal government. I called my bank where the account was opened, and was told something different, so I called back the 800 number and was told that much check was fraudulent. I proceeded to tell them to let 's contact the IRS since that's who sent it, they didn't care to wan na help me resolve this. They assumed I was trying to get over on the bank. It's seemed a bit odd that everyone I know that received a stimulus check was real, but the bank wants me to believe that the federal government issued a fake check to me, or in the banks words, altered. The bank never even considered a courtesy call or email advising me that there was an issue with my account. Besides, if I passed a fake check that came from the government, I strongly encourage the bank to send the police to muff house with an arrest warrant so we can get the court proceedings on the way. The bank closed my account disregarding my monies that I already had in there. I want my money and my check back!
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| 01/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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If we would of known we can complain here we would of done it at the moment. The problem was with Fifth third Bank. It is a little long to write here would prefer phone call to explain, but a little is since the first month of the payment due we were wrongly charged late fees us nit being aware that the first payment was not applied do to it was not withdrawn from iyr bank account and from there were charged every month a late fee for that very first month for over 2 years. Every month was a late payment charge ys not being aware until approximately a year later if that late payment. Us thinking we were on time every month abd up to date. When we received our first xmcall with that nonsense after arguing our right abd trying to get them to understand we ended up paying the late fees around one thousand dollars. They kept calling after that! Claiming we were behind again and every month was a new late payment since they consider every month to be behind a month. My husband is XXXX and would get translaters and were really rude. I really wish we had the dates abd names of workers but we dont. He was treated wrong and once they even hung up on us since a English person answered he was asking me what the my were saying abd they hung up when they heard me translate because they said there could not be others in background speaking. I did threaten to sue and i would of if i knew Consumer financial protection bureau existed at the time. I believe my husband deserves more. He did receive a settlement for the lawsuit against high interest rate for XXXX, but i do think our situation with them was stressful the time we had that vehicle with them.
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| 07/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I would like to file a complaint and add Documentation of promises, guarantees, commitments, contracts and more I feel pertinent to my resolve against Fifth Third Bank. The Bank showed to my credit card account XXXX on XX/XX/XXXX the amount {$12000.00}. The charge was paid to XXXX XXXX XXXX XXXX for XXXX XXXX Dollars and XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Dollars. I would like evidence of their efforts in coming to a resolve to my concern. I would like evidence of how the bank applied Consumer Protection in my behalf. I have other banks which have been successful to satisfy my resolve by back charging the merchant to One Hundred Percent Satisfaction. A question I would like answered is Why Can't Fifth Third Bank Resolve My Concern? The bank can back charge the merchant five hundred forty days which Sundays and Holidays could be additional time if left out. Question : Did the bank try to respond to my concern in back charging the merchant within the allotted time? I made my complaint on XX/XX/XXXX which was in the time allowable to back charge the merchant. The bank may say they only go by bank policy which may be sixty or ninety days. Banks many times don't like to admit there is a merchant back charge opportunity to five hundred forty days but when confronted to fact they often times admit it does exist and they could back charge the merchant. The Bank also advertises They as Fifth Third Bank is sixty six point six times better than any other bank. How is that true? Question is, did they back charge the merchant? How much effort was applied to back charge the merchant? What evidence can the Bank provide me as proof?
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| 04/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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Web |
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I processed two payments using the XXXX application on XX/XX/XXXX in the amount of {$500.00} each. The XXXX app indicated a problem occurred and to try again later. The recipient of these funds has never received the money. However Fifth Third Bank has deducted the funds from my checking account. I placed a dispute on XX/XX/XXXX. My claim was denied on XX/XX/XXXX. I contacted the bank and reopened the claim with supporting documentation from XXXX to verify the funds transfer did not take place. The claim was denied a second time on XX/XX/XXXX. I contacted the bank and reopened the claim a 3rd time and offered a case number provided by XXXX so the bank can contact XXXX to confirm my transfer did not process and the recipient has not received the funds. The bank states they have information that the recipient received the funds. However, they are not able to provide details on how they have verified this. They keep instructing me to contact XXXX and find out where my funds are. I have done this three times and each time XXXX has confirmed the funds did not transfer. The bank should be able to easily verify with the debit card issuer, MasterCard, to confirm the details of this transaction. It is now XX/XX/XXXX I was am still waiting to receive a credit for my {$1000.00}. Each time I call Fifth Third Bank I seem to get a run around with no resolution. I am told over and over the recipient has received the funds. However, no one can tell me how this was confirmed. I have verified several times with the recipient and the person has never received the funds. I am at a loss and I am not getting anywhere with the representatives at the bank.
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| 02/09/2017 |
Yes |
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Web |
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I have a visa credit card the I thought was a regular consumer card but when i got my last statement that raised my interest rate from 13 % to 29.99 % I found out that i have a business credit card which is n't what i asked for.
The bank raised my interest rate because i had received my bill late during XXXX but when i did get it i opened it up and saw that it was late I took straight to the closest branch and told them what happened and paid it. They suggested that I contact customer service which I did.
After contacting fifth third bank customer service and having them see I had never been late plus what happened they said ok and even took the late charge off.
So according to everything I discussed with them everything was ok but this month i got my bill and saw the 16 % interest rate increase.
So i called customer service to try to see what was going on. I talked with a service representative and told her what had happened. She said that was not normal to raise a rate that much on XXXX late payment especially once she saw i had never been late before. After about 5 minutes she told me what had happened. It seemed that i had a business credit card and not a regular XXXX which meant that the rules were different and strict so they could do that to a business account.
I had a business account and credit card with 5th 3rd but because of the service I close the business account and was going to close the business credit card account and when I told them that they said that they would give me a regular account if I kept it open which I did and they gave me a new credit card with just my name on it and not the name of my company.
|
| 07/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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Deposited a check from my Credit Union for PPP Loan proceeds via " mobile deposit '' to my Fifth Third bank account on business day of XX/XX/20. The funds are not available on the account today XX/XX/20. Contacted Fifth Third customer service line. First contact I was told that the contact they had made to the maker of the check indicated there was a possible issue with the funds being available. The maker ( CU CEO ) then was contacted by me and told me there was not an availability issue and made herself available to intercede with Fifth Third on my behalf to resolve any question regarding funds availability for the check. Second contact with Fifth Third customer service line I was told a second story - that the hold was essentially established due to the large value of the check, {$5100.00}, and that it was a mobile deposit. I was told that I should take the original check used for the mobile deposit to my branch that the branch manager would ( at their own discretion ) be able to complete the deposit / release the hold. This also turned out to not be the case as I found when I went to the branch with the check the branch manager simply stated that she did not have the authority to release the hold. The branch manager stated she was contacting " corporate '' via her workstation - their response was then, per the branch manager, to deny the release of the funds.
I am a small businesses owner, I applied for the PPP loan to attempt to keep things together and my bank is giving me misinformation and bad information regarding this important deposit while holding the funds that were written on a valid financial institution 's paper.
|
| 04/01/2016 |
Yes |
|
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Web |
Older American |
|
I responded to an offer made by my bank, Fifth Third Bank, to give me a limited time, interest-free credit card if I transferred my balance from another credit card company to theirs. I accepted the offer and transferred an existing balance from another credit card company. I did not received a bill from Fifth Third Bank for 2 months until I received a bill for 2 overdue payments and penalties. I finally sorted out this problem and got the penalties removed although the bank said that they had sent me the bills which I am absolutely certain I never received.
The main source of my complaint against Fifth Third is that I have received a bill since I spoke to the bank which did not have any information for a 3 year payoff. I called the bank and could not get past an uncooperative customer service agent. I requested the amount I would owe if I chose the 3 year option, and the agent said that she knew of no such option and that she did not have the ability to calculate the lower payoff amount. I told her that the law required Fifth Third credit card bills to list the 3 year payoff option, and she denied that this was true. After a lengthy session of wait times and her reporting that her supervisor had said that they knew nothing of this option, I gave up. I have since received another bill without the 3 year option listed. I researched the 2009 Credit Card Act and found that banks ARE required to disclose this amount on their bills. I am willing to send copies of the XXXX bills in question but lack a scanner to process them. I hope that Fifth Third Bank is fined the maximum amount allowable for violations under the Credit Card Act.
|
| 11/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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I recently traded in my XXXX XXXX for {$10000.00}, and financed for a {$25000.00} XXXX XXXX XXXX. The finance manager financed for {$22000.00} and added unauthorized GAP and protection package. The lender stated that on their end it looks like I did not put down a deposit for the car at all. I called the finance manager almost daily and left messages requesting the added packages be cancelled, and to discuss why the loan amount was so high. He never returned my calls until I threatened legal action via small claims. He finally sent the cancellation paperwork for me to sign, but never sent any follow up or confirmation. He refused to discuss the loan amount and laughed when I said I have rights. He spoke to me in a very patronizing way while attempting to further manipulate me into a deal I did not want. While handling my paperwork he " disclosed '' that his mother passed away the week before. This is a tactic used to distract and manipulate. He also asked me to meet up for coffee the next day to " finish up paperwork ''. When I finally got in touch with him, after over a month of attempts, he stated that he had been on vacation because of his mothers death. Excuses and manipulation to avoid accountability and responsibility.
The XXXX was also sold to me with a bad battery that I had to replace out of pocket a month to the day I bought the XXXX. The battery was over 5 years old and the dealership just changed the sticker on it. The dealership put in writing that they would refund the cost and have yet to do so. When I call, the sales team members refuse to transfer me to the manager and they are often very aggressive and rude.
|
| 11/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
My case was in 2011 where I had a checking account at 5th Third Bank, XXXX XXXX XXXX branch. I had the account connected to my XXXX account. I was making an international call on XXXX, which had enough money for that call. At that time I was not aware that XXXX automatically charges the debit card when the calling money runs out. XXXX did try to bill my card but it did not go through because I had insufficient funds in my account. The bank went ahead to charge me for overdraft and daily overdraft accumulation. I was n't working at that time since I had just moved to XXXX from XXXX. However, I tried everything in my power to resolve the issue with the bank to the point of selling XXXX XXXX but it never helped to stop the daily charges. I went to the bank to try and resolve the issue with the manager but he said " it was company policy ''.
I am writing today because a XXXX XXXX XXXX, I suspect he works for a collections company at phone number XXXX contacted me about this issue and threatened to take me to court. They opened a case for me at their company case number XXXX and told me to settle for {$800.00}.
I understand the overdraft just as I did then. I tried to resolve the issue then but the bank was only concerned with making money on a poor soul. I thought this was over the time the bank closed my account but here it is. I do n't think this is justice and fair. I need help on what to do or even legal representation if worse comes to worse.
The bank did not pay for my XXXX credit. XXXX dropped the call because of insufficient funds. So, why do I have to pay $ 800+ on a product I did not consume?
Please help, XXXX XXXX
|
| 02/16/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Went into Fifth Third Bank at XXXX XXXX XXXX XXXX, IL XXXX.
This afternoon I went into my local fifth third branch to do a withdrawal of {$2000.00}. Ive banked with fifth third for over 10 years plus and I withdraw money regularly, today I went in to do a regular withdrawal. I provided my Drivers License as well and my debit card to XXXX and she was initial rude, she proceeded to ask me a series of questions pertaining to my account as if there was something wrong with the account or as if i wasnt the owner of the account. I answered all questions as needed and she told me they were wrong. I opened my account 10 plus years ago, I do not remember all of the questions that i mightve set up but instead of her sending me over to a banker to potentially rest my security question or for further authentication. her attitude grew stronger and she told me that she can no longer assist me, although I was authenticated by pin AND with my drivers license. At this time I became agitated and frustrated. I asked for a manager ( XXXX XXXX XXXX ), and unfortunately the manager was the same exact way! instead of him trying to find a way to help resolve the situation, he made it even worse! He was not helpful at all, and spoke to me in a rude way! After having me in the branch for 1 hour he finally let me withdrawal the amount. For me to have a relationship with fifth third for over 10 years they should be ashamed of themselves! This was a very distasteful visit! Im very disappointed, I loved fifth third and being a client. I even wanted to apply for a mortgage loan with the bank since ive been with them for so long but this is unacceptable.
|
| 04/06/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My complaint is agents 5th 3erd Bank I have the bank on line option with my checking accounts, I do n't understand nor can I ever get an explanation on why my account on line seldom reflects the actual balance in my account. I have received many overdraft charges for this reason. On Monday XXXX XXXX I deposit my pay check for XXXX, on that day my balance said I had XXXX ( the deposit takes 24 hours to credit my account ) so I have XXXX, plus XXXX pending. I make XXXX credit card payments that equal XXXX. On Tuesday XXXX XXXX I check my account and I 'm overdrawn XXXX. My rent check had been deposited on Monday by my landlord, but it did not get proses until Monday night, it was for XXXX, now what I do n't understand is if my credit card payments and my rent check were proses on Monday night and I had XXXX plus XXXX pending, how could I be overdrawn? How is it that my online account knows I have XXXX pending but my actual account does not? They intentionally ignore the deposit that is going into the account, hit me with XXXX overdraft charges, then suddenly credit the deposit and withdrawal the service charges. How is it that they never credit the pending deposit first?
My on line account knows that there is a pending deposit it shows me on my on line account, I feel that 5th 3erd does this totally on purpose to charge me an overdraft charge.
I hope you can understand what I 'm saying, I 'm not the only person that sees this, that Bank has hundreds of complaints against it. Pleas help they have taken hundreds of dollars from me this way and it just does n't seem fair, they mislead or blog face lie via the on line banking.
|
| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I spoke with XXXX XXXX in XX/XX/XXXX regarding why I received a late payment on my account after speaking with several others who were uncertain to how I received the late payment. I received credit for 3 months payments towards my principal account as well as removal of interest to satisfy a previous complaint with this company. After reaching this agreement a late payment appears before my actual due date in XXXX of XXXX from XXXX of XXXX?. I received the notification from the bureaus. After reaching out to the company per the previous complaint I was directed to XXXX XXXX who states that the late payment was from XX/XX/XXXX. I let XXXX XXXX know that it is illegal to report a late payment from several months after it supposedly occurred and violates my FCRA rights as a consumer. I explained that during my email communications and calls to the company no one ever stated any such thing. She states that they were not able to tell me because of my cease and desist in place from the previous complaint. I advised her that Ive had several communications and not one person saw nor mentioned this late payment. This company continues to disappoint its consumers, in turn in why they no longer do these types of loans. My bureau reported at the time all on time payments from XX/XX/XXXX until XX/XX/XXXX. This appears after the agreement was reached from the prior complaint and the proof of that was provided from XX/XX/XXXX from a screenshot of my online bureau report. The correction of payments would have satisfied any payments and or any interest if I was truly delinquent. The dates reporting are all different for the same bureau.
|
| 07/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This is my third complaint and Fifth Third has failed to specifically address any of my concerns. They have failed to provide the appropriate information, and the specialist that has been assigned to either complaint has never reached out to correct this issue or has never once returned my calls. I will continue to make these complaints and unfortunately file a lawsuit to recover the funds that were removed from my account without my authorization or consent. They provided one document that was from XX/XX/XXXX and was rescinded in XX/XX/XXXX. This complaint will be addressed and I will receive the customer service that should be an acceptable standard. I am not asking for anything other than what Fifth Third stated in their initial document that nothing would change from my old mortgage holder and that the conditions would remain the same. Nothing is further from the truth. Fifth Third has completely mishandled my account and provided horrible customer service when I brought to their attention that they failed to pay my taxes and instead issued an escrow overage check, which snowballed into a financial downfall that I have not recovered from yet. Then they withdrew funds from my account two times without authorization. I was making one-time payments from XX/XX/XXXX until I paid the account in full in XX/XX/XXXX. These actions by Fifth Third further caused me financial hardship. I look forward to actually hearing from a human that will correct these mistakes. I also have audio recordings from every interaction with the company. I also have video recordings of every one-time payment made from XX/XX/XXXX forward. Thank you!
|
| 02/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX I purchased a property which has a mortgage that was sold to Fifth Third Bank. Since that date I have received numerous letters from Fifth Third Bank regarding an issue with securing flood insurance on the property listed above.
In XX/XX/XXXX I purchased a flood policy on the home with the maximum coverages allowed by FEMA. After waiting the 30 day waiting period required by the insurance provider the policy went into effect XX/XX/XXXX. I have since added Fifth Third as a mortgagee on the policy ( not pictured on provided declarations page ) even though I believe this flood policy to be elective on my part.
The flood policy is written for a property in flood zone X. However, Fifth Third apparently believes the home is located in flood zone AE and is demanding I provide proof of flood insurance for a property in this flood zone. This is the crux of my issue. The home is not located in flood zone AE, but is correctly located in flood zone X.
Since XX/XX/XXXX I have been contacting Fifth Third Bank about this issue using the email contact information provided on my statements. I have also called the numbers listed for the insurance service center department as well as direct numbers to Fifth Third Bank. Each time I have contacted I have provided a Letter Of Map Amendment ( LOMA ) that was provided to me at closing stating from FEMA the home is located in flood zone X. After providing the LOMA, I have been told by both the insurance service center and Fifth Third directly, but verbally, that the issue has been resolved, yet I continue to receive written correspondence from Fifth Third stating otherwise.
|
| 10/07/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I was a victim of identity theft ; my SSN, drivers license, and checks were stolen and used to write checks and open/apply for credit cards.
In 2012, I moved back to XXXX from the XXXX, IL area. I had assistance from a local moving company. Upon arriving in XXXX, I noticed that there were some personal items missing including my social security card, drivers license, state ID, a box of checks, and XXXX credit cards ( I always safeguard these items in one of my dresser drawers, and they were missing ). About a month later, I realized that my account was negative and there was a {$500000.00} hold. When I spoke to a rep at Fifth Third Bank, they informed me that there were a few checks written out that were cashed for roughly $ XXXX-XXXX. I advised them that this is fraud, to not honor the checks, and to close the account ; I did not want to have checking accounts at a bank that the fraudsters knew I was associated with. I contacted the credit bureaus and placed fraud alerts on my credit report, and also contacted XXXX XXXX and XXXX XXXX ( XXXX cards were used fraudulently around that time as well ).
I recently ordered a XXXX report and noticed that Fifth Third is still listed along with the reason for account closure : suspected electronic fraud. I contacted XXXX to have the item removed, but was sent a letter roughly 2 months later stating that Fifth Third said everything is valid ; Fifth Third has no right to tell me that everything is valid, when I have told them multiple times that it is not. I was a victim of identity theft and the person that cashed my check needs to be held accountable, not the victim ( myself ).
|
| 09/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
XXXX XXXX, an XXXX XXXX, cold knocked on our door selling premium solar panels and installation in Virginia. They indicated they had a relationship with a financial institution, Dividend, which was providing a significantly lower APR than any other institution for the project. We we able to get " pre-approved '' for the loan the day the XXXX company representative was here, however, the " pre-approval '' was actually the loan application. Following the loan application, XXXX was paid following the initial installation of the panels, not completion of the project -- which would require a working system. The loan amount was {$97000.00}. This was paid directly from Dividend to XXXX. During a call with an XXXX representative in XXXX XXXX it was disclosed that XXXX had direct access to my loan information from Dividend through a " portal ''. In the same month I contacted Dividend and inquired as to why they would pay the contractor prior to the completion of the project as this has now placed the consumer in a bad position of the contractor having no incentive to complete the project and they stated that their position is to pay the XXXX " upon installation of the solar panels. '' This payment then initiates the loan repayment process upon which the consumer has 60 days to begin payment on the loan. Our panels were installed in early XX/XX/2023 and our loan is due XX/XX/2023 and we do not have a working solar system because the contractor has not yet completed the project. This does not make any sense and it seems to the outside eye that Dividend and XXXX may be colluding to create an untenable situation for consumers.
|
| 07/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a mortgage loan with Fifth Third in XXXX of XXXX. The Mortgage Originator I worked with was XXXX XXXX. My complaint is on how Mr. XXXX unethically and unprofessionally handled my application.
I provided all the information required to underwrite my loan only to be turned down at the end. The dream house that I wanted to purchase is now at risk of being sold.. I provided him all that was needed for a pre-qualification so that I can pursue the purchase of my home. He requested that I increase my down payment to ensure approval. After listening to everything, he said I received a pre-qualification letter dated XX/XX/2020. This letter made me believe that I was able to move forward with contacting my real estate agent to finalize my purchase of the home.
I understand banks have varying degrees of requirements. However, XXXX unprofessionally handled my file, which led to the denial of my mortgage application. During the loan process, XXXX, for some odd reason, reviewed my sister 's account and commented to I should use her funds to purchase the house instead of trying to obtain a loan through Fifth Third. He was not given permission to review my sisters account. Also, his comment made me think that he was aware of my denial before getting the final decision by underwriting. Why was I given the pre-qualification letter and why during the process did you make me feel that approval of my loan was assured. His delver of my denial was very unprofessional and predatory.
I have additional concerns of the handling of my private information that I would like to discuss with someone. I can be contacted at XXXX
|
| 02/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I had a credit card with Fifth Third Bank that was no longer needed. So I went to one of their banks and had the card closed out. I also called and had them close the card out. Still after that the card wasn't closed out. So they charged the annual fee, causing the card to accrue late fees. Fifth Third agreed that I shouldn't have to pay the fee or late payment fees and said that they would take are of all the negative repercussions ( AKA the reporting of the late payments ). They never removed the history from my credit report. They have told me that they have no record of a call or request to close out a card. I have called them about 20 times and talked to 3 different supervisors. I have also gotten yelled at by their customer service representatives. I have been told that I was verbally abusive to them, and then hung up on as well. I have been told by 1 of the supervisors that they didn't see any late payments on my report, then they denied that the conversation ever happened. All they will say now is that Fifth Third admits no bank error and will not remove the error. Even though they admit it doesn't affect Fifth Third it only effects me their 13 year customer. I can't get a credit card, loan, or financed for anything now that this is on my credit report. I have never been late on any payment for 13 years. This is impacting my wife and her credit score as well as any finance option she is trying to get as well. It is affecting the way we live our life. All because Fifth Third will not admit wrong doing or make me whole based on my horrible customer experience ( lied to and getting yelled at and hung up on ).
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| 12/21/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I bank at XXXX Bank. My checking account was erroneously debited twice by my mobile phone company and when I realized the error, it was too late to stop the second charge so I was given a credit. In the meantime, because of the second charge ( which was {$510.00} ) my account went into overdraft and I was debited {$370.00} in fees.
I called the bank on XXXX/XXXX/XXXX. I was told that the overage was n't my fault and that I would be credited the {$370.00} but that {$180.00} was still pending and I would have to call the next day for resolution.
When I called on XXXX I spoke to a different associate and was told that the rest of the money could not be refunded. Both the associate and the manager at the Resolution Office told me that either had no way of knowing who I spoke to or what was promised to me.
I countered with, " you are a financial institution, I find it difficult to believe that your associates do not note resolution attempts on customer accounts. '' I work for a financial institution and in fact I write policies and procedures for a living so I told the manager that I wanted to escalate it further or I would have to file with the CFPB for excessive fees and gouging.
He put me on hold. After five minutes he came back and said that he had spoken to the first associate and that she acknowledged I would receive a full credit. Of course he lied when he said he could n't research the resolution issue. This is an unfair practice designed to deny customers of their rights while overcharging their customers with exorbitant fees.
I should n't have to fight to receive fair treatment. XXXX XXXX XXXX Bank.
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| 01/12/2017 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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Well my bank still has not resolved my current complaint with your organization and now I have ANOTHER different issue with them. My dad made a XXXX deposit CASH into what was my savings account but it got switched to a secondary checking account because of too many transfers. This cash deposit was made on XX/XX/XXXX before XXXX. I transferred over XXXX of the funds to my actual regular checking account on XX/XX/XXXX, to cover a small debit purchase and a check for XXXX that my new landlord was holding for our security deposit. No checks were pending or presented on XX/XX/XXXX. Mid morning XX/XX/XXXX, XXXX the transfer from our one checking account to our other checking account of CASH was shown pending and tbe check was pending. Later that afternoon the check was returned even though the cash was in there and available because. I was even able to make my debit card purchase with the transferred funds on the XXXX. There was NO REASON TO RETURN THE CHECK and charge us XXXX fee. Also, dad told the bank teller he wanted the funds to go directly into our regular checking account but she placed it in wrong account. Further more we had to waste time and gas getting funds out by ATM to give a money order to new landlord. we now owe him a fee that his bank charged him. Additionally, we had to pay another XXXX stop payment fee, so we did not have more mess if his bank tried to redeposit it. The customer service lady claims that the stop pay is not guaranteed but took the money. It better be gauranteed and the check should have never been returned in the first place. Our bank notorious for this kind of stuff. Thank you.
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| 09/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XXXX XXXXXX/XX/XXXX a tow truck came to my driveway while I was out of the country to tow my car - XXXX XXXX XXXX, a car I am financing with Fifth Third Bank. When my wife asked why, the two truck driver said for non-payment. However, my monthly payment is setup for auto deductions. For some reason the auto deduction didn't get processed and the bank made no efforts to reach out to me through email or call. My wife called me immediately and I tried to resolve the payment with them bu offering make payment immediately but the they refused and insisted on towing the car. I called the office and finally wired the outstanding balance to the bank after the car was towed. Since then, my car is still in possesion with the bank despite paying for the missed payment and all expenses, including the tow cost.
I felt the Banks actions was predatory, discriminatory, unfair, dishonest and unprofessional. It looks to me that the bank was more interested in repossessing the car and getting business for their affiliates - XXXX XXXX than getting their missed payment. I was hoping that given my credit history records for non-missed payment for almost two decades that should inform them that its an honest system error. And they could have just taken the payment and leave my car. But rather insisted on towing it so they can make extra money on fees and also give business to their affiliates by getting me to pay for the tow. A carefully reviewed customer feedback on XXXX and realized this is what they have been doing. Deliberately making it difficult to pay you bills so they can come back get on you on fees and repossessions.
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| 02/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have a mortgage with Fifth Third Bank and was in good standing until I got a forebearance in XX/XX/XXXX after the pandemic began. I was given XXXX months of grace. In XXXX of XXXX, I applied for a loan modification as XXXX of my options for how to come out of the forebearance. They said the review process would generate a new loan agreement with a new monthly amount due.
They started the paperwork and told me I would have a new mortgage payment deal set up in XXXX weeks.
In XXXX, when I had not heard back, I called in and was told that they were backed up and that it would take another XXXX weeks.
In XXXX, they told me my loan was still under review and that I would be receiving papers in the mail.
In XXXX of XXXX, I called again, and again I was told my loan was under review, but this time, I was also directed to the XXXX XXXX XXXX where I could track my case.
I saw no evidence of this on the site, but their representatives confirmed AGAIN in XXXX that they were reviewing my case.
XX/XX/XXXX, I asked again for a response and was told that my case was still under review.
Today ( XX/XX/XXXX ) I learned that I have been reported as being XXXX days late on my payments!
I have screenshots of this exchange. I have asked over and over again if I ought to make any payments and was told that this would complicate the review process. I have constantly asked if this review process was going to negatively affect me and they ALL confirmed that my records clearly show that I am in process for a mortgage adjustment plan. Now, my credit score has dropped XXXX points and I have been marked for delinquent payments!
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| 05/13/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Fees charged for closing account
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Web |
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I opened both checking and savings accounts with Fifth Third bank. When I tried to close them, transferring the funds to two external banks, I was charged a XXXX dollar fee for transferring the funds to one of them. When I called the bank and asked for an explanation, I was told I was notified of the fee. I had not been. When I asked why I was only charged the fee on one transfer, they told me that was my fault but refused to explain why or how the fees are determined. When I asked to have the rest of the funds transferred, they refused. They, instead, mailed an illegible and crookedly photocopied form. I mailed it and wait for the funds to be delivered via check.
My parents each opened and then subsequently closed accounts with Fifth Third bank. Upon attempting to close the accounts, they faced more trouble than I have. XXXX XXXX only allows ACH of {$2000.00} per transaction, now, and charges XXXX dollars per transfer.
When I asked to speak to someone in the bank about " Unfair and Deceptive Practices '' since they refused to send or point me to their schedule of fees, have repeatedly given contradictory answers regarding the process to close the accounts and get our money, etc., I was told they don't have a department to handle that type of complaint but that a manager would call me back. It's now been a week with no call.
I feel they lie to get new accounts, lie about their fees, and then delay people when they attempt to take their money back and close their accounts.
Please investigate as I'm sure my parents and I aren't the only victims of repeated {$3.00} fees with no consistent explanation.
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| 10/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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On XX/XX/2023 XXXX received a Payoff Quote in the amount of {$9600.00}. On XX/XX/2023 I refinanced my vehicle through XXXX and a XXXX 's dated XX/XX/2023 in the amount of {$9600.00} was mailed certified. On XX/XX/2023 Fifth Third Bank received and deposited my payoff check.
To date, these funds have not been applied to my account and l have been making XXXX car payments for the same vehicle. I have called their Customer Service line on XXXX occasions and have opened XXXX service requests. As instructed by their Customer Service Department l have faxed the cleared XXXX 's check with their endorsement on the back on XXXX separate occasions. On XX/XX/2023 l received a letter from Fifth Third stating that at this time Fifth Third is unable to process my request due to insufficient information or due to the current status of my loan. I was instructed to call Customer Service. I called their Customer Service Department and was given a list of excuses as to why my check hasn't been applied to my account which included that l mailed it to the wrong mail drop, even though I mailed it to the mail drop provided on the Fifth Third Bank Payoff letter. I was then told that because mailed it to the wrong mail drop, the check was shredded. The Customer Service Representative instructed me to request another payoff and submit funds again. This Customer Service Representative told me that l would not be reimbursed for all the payments I have been making over the months since the check was received and deposited by Fifth Third Bank.
Fifth Third Bank has deposited my check and is refusing to apply the funds to my account.
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| 12/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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The IRS filed a garnishment against my checking account with Fifth Third Bank on XX/XX/XXXX. I contacted the IRS on XX/XX/XXXX and informed them that it was illegal to garnish a XXXX payment according to Federal and State law. They acknowledged the error and released the freeze and faxed the release notice to the bank the same day. On XX/XX/XXXX Fifth Third bank charged me a processing fee for the garnishment and said that the IRS did it. After contacting the IRS again I was told by Agent XXXX that the IRS has nothing to do with the charge and does not charge a bank any processing fee.
I contacted the bank again and asked the bank to remove the charge. XXXX ( Customer service manager ) said it was impossible to remove the charge because no one knew how to remove it and " we can charge this because the IRS charged you. " XXXX agreed that a XXXX payment can not be charged and referred me to the local branch to see if they could remove it.
I contacted Ms. XXXX XXXX ( Customer service manager ) at the local branch. She contacted their customer service and asked to have the charge removed. Ms. XXXX was told after working on this for 2 days to tell me that they could only remove the charge if " The IRS sends them a letter stating they made a mistake and instructs them to remove the charge. '' This makes a resolution impossible. If the IRS is not allowed to place a illegal action on the account, the bank should not be allowed to profit from it. This bank should be investigated for fraud and fined for all actions like this discovered. If they are doing this to all of their customers they are robbing them.
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| 10/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I contacted Fifth Third Bank on XX/XX/XXXX to make payments. The Representative I spoke with imputed my debit card information for the payments. He made the statement " the payments have been successful ''. I then asked him to schedule XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX payments for my debit card automatically so I wouldn't have to worry about it since I travel. He then set up the payments for me for each month on the 16th. I received a call from Fifth Bank on XX/XX/XXXX letting me know I was behind on my payments. I contacted Fifth Bank on XX/XX/XXXX in the am to discuss why my payments were not deducted in XX/XX/XXXX. The representative who I spoke with said it was not taken out, but it was not an NSF item either. I explained to her I contacted Fifth Bank Representative in XX/XX/XXXX to make my payment. She said she did see this documented and she did not know why the payment was not deducted. I asked her if it was because he might have imputed my debit card incorrectly into the system, if so why did he inform me the payment was successful. I explained to her they put a negative rating on my credit report which was incorrect due to the representative incorrectly informed me of the payment I made. She indicated this could be the case since the payment did not indicate an NSF. I asked her to remove the negative rating and she informed me I had to contact Consumer FinanciaXXXX. I have investigated Fifth Third Bank and unfortunately have seen numerous negative comments concerning this business. I am hoping in the future their representatives will correctly complete transactions for their consumers.
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| 09/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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I am the XXXX XXXX for the City of XXXX XXXX. A resident, XXXX XXXX, came to see me last week to discuss a concern related to obtaining a fixed rate mortgage on his home to replace a home equity line that has an adjustable interest rate. Last year, XXXX XXXX obtained a home equity line for {$75000.00} for the property he owns at XXXX XXXX XXXX in XXXX XXXX, OH. The property has no other mortgage or lien against it according to XXXX XXXX. He visited our local Fifth-Third branch to apply for a mortgage loan, but he was denied, because based on a drive-by appraisal, Fifth-Third determined that the home had a market value of {$44000.00}. In 2014, the home received an appraisal of {$94000.00} at the time the home equity line was opened. XXXX XXXX 's credit score is XXXX. He has recently improved his property with a new roof and windows. The property is well-maintained and owner-occupied. We believe that XXXX properties were used as comps in the appraisal. Property values in the area have increased over the last three years. There have been XXXX new homes constructed on XXXX XXXX XXXX street in the past XXXX years which have sold for over {$160000.00}. The City has seen an increase in the number of low-ball appraisals in the past few years which cause our residents to be unable to refinance loans or obtain new loans. In our opinion, this is a form of redlining, and it is causing disinvestment in our community. The city is in the process of undertaking an analysis of our XXXX data which will be released in XXXX. Preliminary results suggest a large discrepancy between deposits and lending in our community.
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| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I scheduled direct mortgage payments from my checking account to Fifth Third Bank. They have all of my checking account information, and can access funds directly. Fifth Third Bank neglected to inform me of changes to my mortgage, and didn't process my mortgage payments due to these changes.
I was eventually made aware of the problem by a third party credit monitoring service, XXXX, who texted me that my credit score had dropped by 156 points for a delinquent account with Fifth Third bank. Again, Fifth Third NEVER indicated that there was a problem with my account. They claim that they sent a notice via USPS, but I never received it. Instead of reaching out to me via email, text or phone, they allowed my account to be delinquent for 3 MONTHS, and instead reported me to the credit bureaus, without ever contacting me and giving me the common courtesy of letting me know what was going on. As soon as I found out about the issue, I called 5/3 and initiated a transfer of funds to pay all outstanding balances. They are currently paid in full. I asked them to fix the problem with the credit reporting and they refused.
I want Fifth Third to retract their complaints against me with the credit bureaus. I had a credit score over 800, which required serious commitment and diligence on my part. There was more than sufficient funds in my checking account to cover the payments due and I am available all day to respond to texts and phone calls if there are any issues.
Fifth Third justified destroying my credit score based their lack of communication with me regarding the status of my account. It's inexcusable.
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| 08/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have Mortgage account XXXX with the fifth third bank and an escrow account with the bank. After I received the first invoice of the property tax after appraisal, on XXXX XX/XX/XXXX, I chatted with their online representative and I was told to send all documents to the bank 's e-mail address " XXXX ''. I did exactly what the representative said and you can find the chat logs in the attached log file of XXXX ' and the screenshot of the e-mail in the attached png file XXXX '. Then, on XXXX XX/XX/XXXX, I also received more invoices that they must have been paid by the mortgage 's escrow account. Then, I opened another chat, and again, I tried to communicate with their chat representatives. You can see 2 chat log files ( XXXX and XXXX ) with two of your representatives, then I sent the documents to their e-mail again. Please check XXXX ' in the attachments. However, in the last days of XX/XX/XXXX, I received another invoice from the tax collector, XXXX tax, with a penalty and interest over the first value. As you can see, I followed all their instructions and I sent the document to the correct departments long before the due dates. The bank made me pay the penalty and interest although it was their mistake. I just called them today and they said it is my mistake I have no idea how. I have all the log documents and e-mails. Recently, they also missed the due date of my house insurance which must be paid by my escrow account. If something happened during that time at my house, I would have so much trouble. I am willing to share all the documents with you. I hope you can find a solution. Best regards,
|
| 01/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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Company engages in predatory lending and intentionally deceptive billing practices. Company encourages enrolling in paperless accounts however does not provide any statements online regarding the status of the account. The website only shows a " next payment amount '' however ( according to their customer service ) it does not include any fees the account may accrue and there is no way of knowing until you get a bill for a lump some of fees they want you to pay. Even if you overpay your monthly cost to cover what the account states are late fees the lender applies those fees to interest instead of paying off said fees ( according to the customer service rep ). I had a hardship and had my car repossessed last year ( XX/XX/XXXX ), paid my balance which included owed and current monthly payments plus the repo fee, yet XX/XX/XXXX they bill me for what is claimed by customer service to be an unpaid repo fee from over a year ago without any documentation to support it meanwhile I've been paying what the company has told me is my payment every month. This is either a fabrication to make more money, or it is predatory lending where they paid themselves more in interest and are now billing me again for something I sent a payment for. My " next payment amount '' never reflected anything other than the regular monthly payment plus any late fees. However, again, when I pay what the company is telling me I owe, they apply the over payment to interest and then lump the late fees that become due at a later date, all of which is not reflected on the website ( or the statements because they do not exist online ).
|
| 07/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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I have contacted 5/3 bank every month for the last 3 months about 2 charges that are being automatically paid out of my account that is not set up to be a recurring automatic payment. One is for {$300.00} the other is {$550.00}. The first month I contacted 53, I was told they dont see the automatic payments set up on there end nor do they see it on my end. We chalked it up as a glitch. The next month I contacted 53, I was told they would send my account to a special department to look into why this is happening. No one ever contacted me. The final time which is as of yesterday, I have a XXXX balance in my account. I contacted 53 today and was on the line for an hour and half speaking to representatives and finally a Supervisor by the name of XXXX. XXXX stated the only thing they can do is Credit the fees they charged back to me but I would have to try to get my money back from who the bank paid without my authorization. I asked, So youre telling me my bank sent my money to places I didnt authorize and now Im have to try to get my money back from where XX/XX/XXXXbank sent my money without my permission? Her response was yes. She said she tried to see if there was something they could do but the bank cant pull the money bank after its been paid. I stated but I didnt tell you to use my money. she stated she knows it was there error but there is nothing she can do. I would have to contact who they sent the money to and TRY to get the money back. I am confused as to how the bank can use my funds without my authority and then tell me I have to TRY to get MY money back, although the BANK made the error?
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| 08/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Last year, I was involved in an accident that negatively affected my ability to work and pay my bills. I exhausted my savings making sure I paid all bills on time until my savings ran out. That is when my credit payment history started to go down. I have rebounded and continued my good paying history and was advised to ask my lenders to do a good will removal of the late pays considering my payment history was excellent prior and returned to good standing. Many of my lenders honored my request. However, Fifth Third Bank and XXXX XXXX XXXX XXXX are only two stating the law requires them to reporting accurate information to the credit bureaus. This is true. However, the law also gives lenders the discretion to remove the late pays without prejudice. The couple late pays is not a good indication of my credit worthiness and that is what I have been trying to get them to accept. I had those accounts for over two years and only late 2 times due to the accident which affected my income. I feel the banks are intentionally denying my request so they can charge me higher interest rates and using that part of the law to justify their decision.
I know the pandemic is going to negatively impact many people credit worthiness so the XXXX scoring model is preparing to implement the " Resilency Index ''. This scoring model will focus more on people payment history and not the late pays that will get reported because of missed payments. Once this model is release my score will increase. However, I feel these two banks are being unreasonable and hiding behind a portion of the law that benefit them. Please help.
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| 10/14/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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in XXXX XXXX I contacted 5th third to request information on my vehicle title which I never received. They informed me it was shipped in XXXX and returned, they advised they would resend it and I would receive it 3-10 business days. On XXXX/XXXX/XXXX I called again due to the fact no title has been received and they could not give me information. An hour later and transferred numerous times until we were told they do not have notes or show where we did the request as that is not something they take when a customer calls ... .are you kidding me? This is a banking institution, they should notate everything. We asked to be sent to a supervisor. After another 20 minute hold we were transferred to a supervisor by the name of XXXX. XXXX, is now stating they do not have any record of calls as they do not take notes in the Customer service department. they state they can not expedite the request unless it is the banks error ... THIS IS THE BANKS Error. I am now on hold again and it has been longer than an hour and I am furious. Per XXXX the supervisor they can not transfer us to the collateral department as they only get emails. I am in shock that this is how you all treat your customers and that a banking institution does not take notes. XXXX is suppose to call us in 24-48 hours with an update as to where our title is.
Employee ID # XXXX, Phone # XXXX. I need my title, the car has been totaled almost killing my son and I am unable to get resolution on accident and recovery due to 5th thirds lack of customer service. Can you please contact us immediately on this, we need resolution. XXXX and XXXX XXXX
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| 12/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
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Web |
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5/3rd bank advertised to me a money market account yielding a 5.3 % interest rate via email. I am an existing customer with multiple accounts already. The advertisement described the interest and deposit requirement of {$25000.00} to earn the rate. I spoke with my bank branch representative in XXXX, XXXX in late XXXX, emailing him first the bank 's quote for reference. I spoke on the phone and confirmed that I can change on of my existing accounts to the new money market account and upon transferring the {$25000.00} amount in the advertisement would be receiving the interest rate. I opened the account upon their representation and confirmation. I was already receiving about 5.2 % interest from the other institution where this money was held, but decided to transfer because of the slightly higher rate at 5/3rd and confirmation that I would be eligible upon transfer. I did transfer {$25000.00} into the account within a couple days of opening in late XX/XX/2023. I checked my balance in early XXXX and noticed I had not received the stated interest rate. The bank explained, now for the first time, that they had calculated some number I needed to exceed by {$25000.00} constituting balances in other accounts, which I would have no reason to know. I fulfilled my end of the deal, their exception they raised was confusing and misleading and I would not have opened the account but for their assurance I met the criteria upon opening the account and transferring the amount of {$25000.00} into it - which I did. The bank has refused to compromise the issue upon both written request and phone calls to do so.
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| 02/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
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Web |
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I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Fifth Third for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.
|
| 12/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I opened an Account with fifth third bank on XXXX XXXX. I tried to change my direct deposit to the new bank account. My payroll department had not yet verified the bank by the date my payroll check should have been released so I received a " Live Check '' I went to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The check amount was XXXX. I spoke with a teller, whom was extremely rude to begin with. She proceeded to deposit the check without informing me that there policy states that new deposits are subject to a hold. Had I been informed I would have taken the check to The issuing bank and cashed it. Now after speaking with the branch manager he informed me that the hold will not be removed until XX/XX/23. I was under the impression that Federal law states that XXXX should be released on the account within 24 hrs. until the hold is released. I am not able to access said funds still. I spoke with XXXX who is a supervisor at the customer service center. She informed me that funds should be available Saturday XX/XX/23 and they have no way of accessing the XXXX. I was under the impression that with payroll checks this is FEDERAL LAW. I am now in a situation where my bills are being paid late, which I never do. All of this due to " Confidential Information that check may not be paid '' I have never cashed or deposited a bad check. I Am reporting this because I do not feel like this situation was handled correctly, or with myself as a consumer at heart. I will be looking into legal action for coverage of the loan i had to take to pay my bills on time before accruing late fees.
|
| 10/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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In XX/XX/XXXX, I paid my monthly mortgage payment at the XXXX, Illinois XXXX XXXX Fifth Third Bank. I received notification in XXXX that my XXXX payment was considered missing. I proved to Fifth Third by sharing copies of my cancelled check that was processed by them that the XXXX payment was indeed made on time. In XX/XX/XXXX, I received an official letter from Fifth Third that my payment had been found and applied. I was also assured that they would reverse the reporting to the credit card bureau. In XXXX of XXXX, I was again informed that the XX/XX/XXXX payment has not been applied. When I went in person to the XXXX branch in XXXX after numerous attempts by me to resolve the issue over the phone, I was also informed that my XX/XX/XXXX payment had not been applied. Again, I proved via cancelled check that Fifth Third had received their payment. After MANY MONTHS of trying to resolve the problem, I was informed that Fifth Third had applied my payment to a Credit card account that has been closed for approximately seven years.
During this process, Fifth Third has reported my account to the credit card bureau that I am delinquent on two payments on a monthly basis. They have also reported a major deficiency to my credit without a reason given. My credit score has been singly destroyed by Fifth Thirds mistakes and unwillingness to help a fifteen year customer resolve the mistakes that the bank has admitted to making. I have attempted via phone, email, personal visits to the bank to resolve these issues to no avail. Fifth Third has not shown interest in trying to help truly solve this matter.
|
| 05/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
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Web |
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OnXX/XX/XXXX I initiated a bank to bank transfer from my Fifth Third Checking to my checking account with another bank. I initiated this transfer for the full amount in my 5/3 checking, as I needed the funds to cover a bill in the other account. It allowed me to initiated the transfer, and at no part in the process did a detect a disclosure of any fee associated with the transfer. Additionally, I did not even suspect there would be a fee, as there is not a fee for this same service at my other bank. None the less, I reviewed my account on the morning of XX/XX/XXXX and detected that they had withdrawn {$3.00} more than my requested transfer amount, causing my account to become overdrawn. I contacted customer service, explained that nowhere did I detect a clear fee disclosure, that I could have simply made the transfer from the other bank if I had known there was a fee, and/or I could have made my transfer for {$3.00} less in order to cover the fee. I requested Fifth Third to reverse the fee. They said they can not. I requested proof of the fee disclosure during the transfer initiation process. They could not. They provided a PDF copy of the main account disclosures, but could not, or would not provide proof that the fee is disclosed during transfer initiation. This seems deceptive to me, by not clearly and boldly displaying the fee at the time of transfer, in addition to even allowing the overdraft to occur by allowing a transfer which exceeds the total sum of the balance plus the fee. This is not even to mention the poor customer service not to just take care of a {$3.00} misunderstanding.
|
| 05/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
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Web |
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My husband die d, 2016, thr ough my grieving process 5/3 tried to foreclose on property. We never knew the property was in my husband name only. Th e Financisl institution tried to make it right by giving me a forebearance and XXXX told me if I needed more time let her know, it had to be g iven 4- months at a time. I tried to get on touch with services 5/3, but I hv not received any answer, time is running out. I hv been traumatized with this entire situation. I did not get paid a check f or 5-months. Had to go through changes to get my back pay, took about 4-months, still trying to get my check corrected with XXXX at this moment. This is how I got behind. Reaching out to 5/3 for another forbearance so I can hv enough time to get financial crisis situated and get business done. A lawyer transferred the deed in my name, as I am wife and was in line to inherit property. I am needing a response, I want someone to respond to me so I wo n't be anxious about losing my home, I 'm just trying to communicate and reach out for forebearance to finish taking care of my business. My goal is to modify loan. It is too many things going on at the same time. I would not want anyone in life to go through a traumatizing event like this. I 'm still grieving the loss of my husband and trying to keep strong. Please help me get a response, I 'm exhausted. Thank you I did not pay to hv foreclosure droppe d. Fifth Third aban doned it. Because the loan was not in my name yet. They were trying to take the property after my husband died, I had not even got property transferred yet. My husband was a veteran.
|
| 04/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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My auto loan from Fifth Third Bank was opened on XX/XX/2022 and the first payment was due on XX/XX/2022. I made a payment from my external XXXX XXXX account on XX/XX/2022 and they reversed the transaction XXXX XXXX later on XX/XX/2022. They do not send a notification that the payment had been reversed. I called XXXX XXXX and they say they have no incoming request from Fifth Third Bank. The Fifth Third Bank website is incredibly buggy. It says you can add up to XXXX external accounts when after you've added one it will not let you add another. Many times the payment errors out and you're required to clear cookies on the browser for it to work again. I tried to make the payment over the phone and they tell me my account can no longer be used but they can never give me a reason for that. They just say it is blocked even though I've use the account to pay all my bills. During all this time, the interest on my account is accumulating. I've tried paying this loan from XXXX different accounts and they all have issues with Fifth Third Bank. I'm incredibly frustrated because XXXXXXXX XXXX says there is no issue with these accounts and they never have gotten any request from Fifth Third Bank for withdrawing money. It seems to be an issue with Fifth Third Bank. Many times the payment gets posted and then it's reversed a few days later all the while XXXX XXXX says they never received a request. Fifth Third Bank can not even give me an answer why it's happening.
During this time, the interest on my principal is accruing daily and i'm still not able to pay through their website or over the phone.
|
| 03/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
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|
XX/XX/2018 I was called by Fifth Third Bank alleging fraudulent activity on an account linked to my personal, private cell phone number. I returned the call to the bank and was advised by the fraud department that my phone number is indeed linked to an account ( not in my name, or held by me ) that exhibited signs of fraudulent activity. I advised the bank that the account and activity are unrelated to me, and that my phone number should not be listed or linked to any account with Fifth Third bank, since I do not maintain any account there. I was advised that this was not possible, " since I am not the account holder ''.
I do not want my private phone number associated with Fifth Third bank or any account at the bank, since phone number information is commonly cross-linked to a great deal of personal and financial data within the financial services community. It is inappropriate and poor financial management for the bank to allow my phone number to be improperly linked to a known fraudulent account, when I am not in fact associated with that account or fraudulent activity. My concern is that my personal phone number will be improperly linked to accounts or activity that are not related to me.
Despite requests to escalate my request to an agent empowered to remove my personal phone number, the bank was unwilling to escalate to resolve the problem. I would imagine that this could make a worthy class action suit if consumers have been harmed by the improper linking of their data to unrelated transactions, despite the consumer 's repeated attempts to get the bank to correct its records.
|
| 10/12/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
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|
I am a retired senior citizen living on a fixed income. I make my mortgage payments every month to Fifth Third ( 5/3 ) Bank. In XX/XX/2021, my city substantially increased my summer and winter taxes causing my mortgage payment to be much higher. Because I receive the larger portion of my income later in the month, I am not always able to submit my mortgage payment on the first of each month or during the 15-day grace period. My payment is made on the XXXX of each month or 2-3 days after this date. Nevertheless, the payment is made every month. On the XXXX or the XXXX of the each month, I start to get harassing phone calls from 5/3 Bank. I get a call once every morning and sometimes twice a day up until the day that I make the payment. In addition, I receive email messages regarding my account needing urgent attention. I have explained my situation to 5/3 Bank twice and I have asked if they would change my mortgage payment due date to the end of each month. They have refused to change my due date, I am paying late fees and I am still getting harassing phone calls. I'm a senior on a fixed income and I pay my mortgage every month. My mortgage is the first bill that I pay every month. It is hurtful and stressful that 5/3 Bank calls me every morning ( sometimes waking me up ) considering I have asked for for their help with changing my payment due date. They would rather call me and harass me every day and charge me late fees. I would like 5/3 Bank to have some empathy and allow me to change my mortgage payment due date to stop the late fee charges, email notices and harassing phones calls.
|
| 07/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
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|
On XX/XX/2014, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with Fifth Third Bank in my name. That day at the dealership, I was given a Fifth Third Bank Note to sign and I was able to leave with vehicle. Waiting for Fifth Third monthly payment statements. I received a demanding letter for payment from a different bank XXXX. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only Fifth Third Bank and the finance adviser at XXXX XXXX never mentioned XXXX. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX. On XX/XX/2014, a letter sent by a Fifth Third Bank specialist, XXXX XXXX stated that my loan application was declined on XX/XX/2014, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined XXXX 's loan offer. XXXX have illegally repossessed vehicle before and there is a case against them that proves that. United States of America vs. XXXX XXXX XXXX. Furthermore, the dealership never asked for the car back, because of a declined loan XX/XX/2014 and I never received any notices of explanation from Fifth Third Bank or the Dealership before or on XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and Fifth Third Bank are still listed on my vehicle title. I also have letters from XXXX contradicting Fifth Third claims.
|
| 08/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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My wife and I opened a Fifth Third XXXX XXXX account on XXXX for {$200000.00}. We were told the process would take 3 - 4 business days. By XXXX XXXX we still had no access to our funds and 2 letters arrived from Fifth Third informed us that our account was on temporary hold. Reason for hold on deposit : Confidential information that check XXXX not be paid. Date funds available for withdrawal : XX/XX/XXXX.
XXXX XX/XX/XXXX we visited the XXXX XXXX branch. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX said she would see about getting the temporary hold pulled by Monday ( XXXX XX/XX/XXXX ). We did candidly express our concerns over The Consumer Financial Protection Bureau filing a lawsuit in federal district court in the XXXX XXXX XXXX XXXX against Fifth Third Bank , National Association ( Fifth Third ) ( RE : XX/XX/XXXX ).
Also we learned that the U.S. Attorney 's Office, Southern District of Ohio announced XX/XX/XXXX : XXXX charged in conspiracy to steal account information, money from bank customers.
Also we learned that the U.S. Attorney 's Office, Southern District of Ohio announced XX/XX/XXXX Defendants sentenced for roles in conspiracy to steal account information, money from bank customers.
With this unusual temporary hold that was never disclosed upon opening the account on XXXX XX/XX/XXXX we felt that the CFPB should be advised.
Fifth Thirds XXXX XXXX did assure us that we would still be accruing interest from the account opening date XXXX XX/XX/XXXX. However, in the meantime Fifth Third, XXXX, Ohio has put a hold on {$200000.00} of our funds until XXXX XX/XX/XXXX ( 11 days ).
|
| 08/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2022, I initiated a balance transfer request online on Fifth Third Banks ( my creditor for a credit card ) website for my XXXX XXXX ending in XXXX in the amount of {$1400.00}. Fifth Third Banks online balance transfer system automatically generates the balance transfer Creditors address. A few weeks after the balance transfer request, I noticed that payment had not posted to my XXXX XXXX. I contacted Fifth third and it was determined that the payment was sent to the wrong creditor. My XXXX XXXX was issued by and is serviced by XXXXXXXX XXXX XXXX. Fifth Third Bank mailed the balance transfer payment to XXXXXXXX XXXX. I have attached a copy of the check that was cashed by XXXX Bank on XX/XX/2022.
Since contacting Fifth Third Bank by phone, I have been contacted by a representative named XXXX at number XXXX. XXXX prepared a letter on my behalf and faxed it to XXXXXXXX XXXX requesting that the funds in the amount of {$1400.00} be returned to Fifth Third Bank. She said in turn Fifth Third Bank would credit my credit card account ending in XXXX the {$1400.00}. XXXX has been persistently providing weekly status updates, however as of the date of this correspondence, XXXX days after the balance transfer request was initiated this issue remains unresolved. XXXX said she can not process a refund to my account because she can not verify that it was a bank error. This is clearly a Fifth Third Bank bank error. I did not input the wrong Creditor or wrong Creditors address into the balance transfer system, it was generated incorrectly by Fifth Third Banks online balance transfer system.
|
| 01/24/2023 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth Third bank did not do an accurate accounting of my escrow account, property taxes, or homeowners insurance, so my escrow account is currently underfunded.
I have a property tax bill due XX/XX/XXXX, that fifth third is supposed to pay.
I contacted fifth third and asked how to apply an escrow only payment, as their online portal DOES NOT ALLOW THIS.
I was told to put a note in the memo that it is an escrow payment.
I said " Oh, I thought that was a memo for me, can you all see that? '' No response.
Well, I've tried to contact them again but their chat customer service is not available. It's never available or on their website, despite claims otherwise.
I decided to go ahead an make a payment of {$500.00} and put a note to " apply to ESCROW only! '' XXXX business days later these morons applied it to my principal.
I have no way to contact them. I'm hard of hearing and can't speak on the phone. Their chat doesn't work. Their customer service e-mail link doesn't work.
I don't understand how a company this large can have such a poorly designed payment portal that it can't accept escrow payments.
I don't understand why it takes 3 days to apply something AS I REQUESTED since obviously a person is looking at these.
I don't understand why they continue to employee such useless people who can't read or do their jobs.
I don't understand how this bank, which is obviously trying to XXXX up my payments, is allowed to continue in business.
I don't understand why they don't accommodate customers who can't use phones.
When I'm done with them, they won't be in business anymore.
|
| 12/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX, I purchased a used vehicle from a local auto dealer. The loan, to finance the purchase, is through Fifth Third Bank , National Association.
I have made all payments thus far ahead of time.
I created a login with Fifth Third Bank to make loan payments and monitor my loan progress and status.
1 ) The nearest Fifth Third Bank location is over 300 miles from me.
2 ) I am unable to reach a customer service representative by phone because I do not have a checking account number and their automated answering system does not recognize my Social Security Number.
3 ) The web site does not allow me to see how loan payments are applied.
4 ) The web site does not allow me to see when my next payment is due.
5 ) The web site does not allow me to see the full history of my loan.
6 ) The web site does not allow me to set up an automatic draft on my checking account where my Social Security Income is drafted.
This is quite concerning to me, considering : - the negative effect these bank shortfalls have on low income customers, - the fact that a customer can not talk to an employee of Fifth Third Bank, even after holding for over an hour ( low income people do not have the time during the working day to take hours out to wait on their bank to answer their customer service calls ), - the hundreds of complaints lodged on Fifth Third 's website against the bank that continue to go unanswered.
The CFPB has the responsibility and authority to protect those of us who are barred from contacting their bank and are unable to obtain basic information. Please stand up for us!
Thank you,
|
| 06/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
A company, named XXXX XXXX XXXX XXXX , opened a business bank account with Fifth Third Bank at a location in XXXX , North Carolina in XXXX and operated the account for over one year without any problems. However, though the account was opened in the name of the business, the bank listed an individual as the 'owner ' and 'secretary ' without the company 's authorization and without confirming the designations. The actual shareholders and directors of the company were not aware of the bank 's error until the bank initiated a new process for verification of wire transfers in XXXX or XXXX of XXXX . The company 's owners initiated a wire transfer for a corporate client which was blocked by the bank after the individual erroneously listed as 'owner ' told the bank he had nothing to do with the company and therefore could not and would not be able to verify the wire transaction requested. The bank acknowledged to the company 's shareholders and directors that it previously did not confirm the individual 's relationship to the company before listing him as the owner of the account, but the bank has nevertheless refused to offer any type of resolution to the company. The company shared all corporate records with the bank to establish ownership and corporate structure, but the bank 's legal department never returned messages or attempts to communicate and resolve the issue. The funds which were withheld were in excess of {$120000.00} and cost the company several corporate clients due to lack of payment, resulting in loss of revenue estimated in excess of {>= $1,000,000}.
|
| 01/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My bank Fifth Third, cashed a check for {$1400.00} on XX/XX/2023 that was made out to my mortgage Company XXXX XXXX XXXX XXXX. to an individual via a mobile deposit as indicated on the electronic copy of the check. I notified the bank and filed a Fraud Report with evidence from past mortgage payments to XXXX XXXX XXXX that it was NOT XXXX who cashed the check but an individual person. They are refusing to reimburse me for the {$1400.00} when they are the ones who took funds from my checking account and gave that money to a person who was not the recepient as clearly indicated on the check. They claim that they have to " conduct an investigation '' and it could take up to 180 days before they make a decision. In addition, because a random person has my checking information, I had to open a new account which will have severe impact on my ability to pay bills because they will not release my direct deposit to my account until they " verify '' that it is legit because it is a " new '' checking account even though I have been a customer of theirs for nearly 20 years.
I also pay them for a service that is supposed to monitor my financial accounts for fraud and notify me immediately if something is wrong. I was never notified of this, and in fact they did not even catch this. It was XXXX that brough it to my attention when they called me to collect my past due mortgage payment that per my bank statements indicated that I had paid.
I have attached a copy of the Fraud Report that I filed with Fifth Third as well as a copy of the check that they cashed to the unintended recepient.
|
| 11/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
Initially received a letter saying account hasn't been paid since XX/XX/XXXX and with a {$500.00} larger monthly mortage. I called them to verify as have receipts of on-time payments. Get sent through the loops of transfers as they can verify me for the account for a week. They finally verify me and explains payments have been refused for partial payments and they will cancel the checks and apply to the balance. I am transferred to insurance where XXXX helps explain I haven't had insurance and needed to remedy it. I explain I wasn't notified but will try to fix it. I ask as I did not know of this issue if there were any way to appeal the fees and ask for financial assistance. I am told to submit in the documents and so the next day I submit in the new insurance documents. I am told to call back as documents will take time to process. I call back and they state documents needs to be resubmitted. I explain I am closing to the deadline and if there were anything to extend the deadline or prioritize my case. I am told to resubmit and call back later. I call back a few days later and they received the documents but will take 10 days to process. I explain that would overlap the deadline. They transfer me to a different department and this department states I am in the wrong department. I am 4 days away from being foreclosed and am stressed out.
I have wasted multiple days off work to try to resolve this issue to only just be told to call a different department ( without assurance they'll help ). Fifth Third bank needs an open complaint portal so customers can report bad practice.
|
| 12/03/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
First of all, I would like to say thank you to the CFPB. They have helped me twice over the past few years with XXXXXXXX XXXX and XXXX. This complaint is about Fifth Third bank. I will try to make this as brief and to the point as I can. First complaint is on XX/XX/22 I went out of my way to get a cashiers check from my XXXX XXXX XXXX to deposit into my new 5/3 account for XXXX. Mind you my account is and was in good standing and there was no reason for any extended hold to be placed on a cashiers check. I was told by the rep at the branch on XXXX XXXX. in XXXX NC there would be no hold placed on the check since my account is in good standing, it's a cashiers check, and I have enough in the acct already to cover the check. The next day I find there was an extended hold placed on the check and no one can tell me why it happened or when the funds would be available. We give our hard earned savings to banks because we look to trust them and that our money will be safe. When depositing money and hearing that I can not get the check back nor do they have any idea why the hold was placed nor know when it will be released it makes you not trust the bank anymore and that is why I am here writing this. My second complaint is that on XX/XX/22 when logging in online to see if the check cleared like it was supposed to, it did not allow me to log in and said to call the main customer service number. Doing so multiple times I was never able to get through to anyone. I also just brought my elderly mother in to open a new savings and checking last week and feel like a fool now for doing so.
|
| 04/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Applied for an Auto Loan through XXXX of XXXX, Arkansas. I had excellent XXXX credit at the time, income, down payment etc.not an issue. XXXX of XXXX had me fill out a credit application on an XXXX XXXX form. Later in the process I am told the financing was sold to Fifth Third bank.
I never received an payment booklet or statement from Fifth Third bank. I had no idea when the first payment was due, the amount of the payment, or the account number. All I knew from XXXX of XXXX was Fifth Third was going to take over the loan.
After not receiving anything from Fifth Third, My husband and I tried to call them to find out how to make a payment, who to make it to. Each call was a multi-hour experience that ended with us speaking to someone overseas who was little or no help. By the time we finally got someone who could help, they said the loan was in collection, and I now had to speak with someone in the collection department. We finally got the opportunity to make a payment over the phone to bring the account current.
I still have yet to receive any mail, bill, statement, email, phone call or text message from Fifth Third bank.
I shortly have another payment due and no idea how to make the payment without calling them for yet another multi-hour phone experience. If this " abuse by neglect '' practice is how they treat customers with excellent credit and income, I shudder to think how they treat consumer with less-than-perfect credit.
As a result of Fifth Third Bank 's lack of contact I now have a black mark on my credit which I have spent years maintaining at a high level.
|
| 12/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
A new bank purchased my mortgage but didn't inform me or send me a payment coupon. My payments to the previous mortgage company were deducted automatically from my checking account and I didn't notice that the payments had stopped. I first became aware that new bank had purchased my home loan when they sent delinquency notice dated XX/XX/2020 stating that I owed {$12000.00} and that the account was XXXX days delinquent and could result in foreclosure. The amount we owe on this mortgage is less than half of the value of our home. I immediately contacted the new bank to find out what happened. None of the employees would confirm that their company had purchased the loan and when I described my situation, they just stated " Well, didn't you notice? '' After a number of calls, they agreed to remove the late fees and interest and I made a payment of {$10.00}. XXXX over the phone on XX/XX/2020 to bring the account up to date. Recently I became aware that they have reported delinquent payments on our credit reports. I called to ask them to remove that information since there was no way I could have sent them a payment before they made contact with me. They stated that we would need to file a written request and wait for them to investigate. We have always had excellent credit scores and wanted to refinance this mortgage to get a better rate and a more responsible mortgage company. Now we have a poor credit rating which would interfere with refinancing. I would like them to expedite the correction of my credit rating. I'm also concerned that this could be happening to other customers.
|
| 09/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
To whom this may concern, I had paid off my remaining balance online of {$1800.00} on XX/XX/19. Fifth Third Bank failed to notify me regarding a balance {$5.00}, so for the past 5 months they have been reporting late payments to the 3 credit agencies ( XXXX, XXXX and XXXX ). There was no way for me to know there was a {$5.00} balance, had I known I would have no problem paying them. As a matter of fact I have never failed to pay them, always on time and even more then the minimum payment because I wanted to finish paying off my car so I can purchase the house of my dreams. The only reason I knew about this issue was because I applied for a house loan recently and it shows in my credit report the late payments. So I immediately called Fifth Third Bank and paid off the remaining {$5.00}. In the meantime my home loan application has been denied due to the late payments that Fifth Third Bank failed to notifying me. Not a single call or letter. I believe this is very unjust because if they have the obligation to notify the credit agencies they should also notify me regarding any remaining balance. Again all I want is for Fifth Third Bank to remove the late payments they made against me. I have already file disputes under the 3 credit agencies, however nothing has been resolved. I called again directly with Fifth Third bank and inclusive spoke with their supervisor XXXX ( I have her employee ID ) on XX/XX/19. She stated there is nothing to do, due to the fact that the account is close since XX/XX/2019 and that they are not responsible for notifying us regarding any unpaid balance.
|
| 12/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I spoke with a representative in the recovery department of FIFTHTHIRD BANK name XXXX on XX/XX/XXXX, regarding a balance owed on my bank card in the amount of {$970.00}. XXXX advised me if paid in full, FIFTHTHIRD would remove this account from my credit report within 30/60 days. I processed the payment in full using my debit card with XXXX on XXXX/XXXXXX/XX/XXXX. I noticed to date that item is still showing owed on my credit report. I called FIFTHTHIRD on XX/XX/XXXX and spoke with a young lady in the recovery department, who was extremely rude, told me that FIFTHTHIRD was not responsible for advising the credit bureaus that the account had been paid, even though I was guaranteed that it would be removed, but that I would have to file a dispute with the credit bureaus. I pleaded with her to get me to a supervisor because I am desperately trying to repair my credit to buy a home. She repeatedly said be patient and file a dispute, and eventually hung up on me. Item was not only, not removed, but never updated. On XX/XX/XXXX, I received an alert that my credit score dropped by 27 points. I called XXXX directly and it was confirmed that it was due to the FifthThird account showing even further delinquent on my credit report. Needless to say, this account is still sitting on my credit reports stating a balance due of {$970.00}. This bank has set me back so far due to their misrepresentation and lack of keeping their recorded commitment.
Please, compel FIFTHTHIRD to honor their word and remove this item and hopefully Ill get those lost points back, and never deal with them again.
|
| 03/16/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
|
Web |
|
|
This is a refile... had wrong bank first time Please help me. I have been trying to resolve a fraudulent transaction on my XXXX account by XXXX.
My payroll check is deposited on the XXXX card. The day of payroll my account had a transaction of {$700.00} fraudulently.
Date of transaction : XX/XX/XXXX Amount : {$700.00} Description : account ending XXXX Here is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Card number : XXXX XXXX XXXX XXXX Made several calls to XXXX to report the issue. They have extremely long hold times in excessive of 1 hour to get a representative and then honestly there is a language barrier. Their representatives seems to have trouble with english.
I reported the dispute immediately to XXXX. They wrote me a letter denying the claim. They will only correspond on the matter via regular mail. I have written a letter back.
I don't believe XXXX has the problem properly documented or failed to do a proper investigation.
The money was fraudulently taken from me. And I have bills to pay like anyone else. The XXXX card is making it impossibly difficult to get my money back on this fraud. They carry a XXXX logo on the card and would expect a higher standard associated with XXXX. These cards are supposed to help protect you from transactions as such.
I am reporting this matter to government officials in a hope someone can help me get my money back. Please help.
I d prefer that XXXX card mail me a check for the amount to my address on file as I am no longer using their institution due to this matter.
Thank you XXXX XXXX
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| 04/30/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/2019 I opened a Checking account and a Savings account at Fifth Third Bank at XXXX IN branch and gave the bank teller a cashier check from XXXX XXXX for {$3300.00} to deposit into this account. On XX/XX/XXXX I received a transfer from my mom 's XXXX checking account for the amount of {$1200.00}. The fund was deposited on XX/XX/2019. A few days later, I figured out my online banking account was blocked. I called 5/3 customer service and they told me the XXXX XXXX check that I deposited was a bad check and told me to come to the branch with documentation saying that the check is valid. I thought this is ridiculous since it is a cashier check from a bank and there is no way for me to get anything that proves the validity of the check. Then I waited until XX/XX/2019 and received a letter from the bank saying that my checking account will be closed in 30 days from XX/XX/XXXX " because of recent account activity '' with no any further explanations. There was nothing I could do to get the remaining fund from my account because they did not allow me to take any money out of the account so I waited 30 days for the account to be closed and get the refund check. However, 2 weeks after the 30 day period I got nothing from the bank. I called customer service twice to asked for the refund of the remaining balance and both times they told me that they already sent out the check. I waited until yesterday ( XX/XX/2019 ) and still got nothing. I decided to call in again and this time they told me that the remaining fund in my account is intended for me and the fund was forfeited.
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| 11/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My prior servicer, XXXX, informed via letter dated XXXX that my loan would be transferred to Fifth Third Bank N.A. on XXXX. Fifth Third informed me of the transfer in a letter dated very late, XXXX, which did not reach my home until XXXX, at which point the payment was late. The envelope was not postmarked or dated, and was OPEN, UNSEALED in my mailbox. What kind of nonsense is that?
When attempting to create an online account and login using my home computer, Fifth Thrid 's website asked excessive questions regarding my loan, and claimed it could not " verify my device ''. This " device verification '' is utter nonsense - I work in tech, no idea what nonsense this is.
The website referred me to the automated phone system, which sent me in circles, asked me for ATM pin numbers ( I don't have a consumer banking account ). I then was able to log in via the bank 's app, after the login appeared to fail. I was able to see my loan, but was told by the app that I did not have a " valid payment account '', with no way to add any of my existing bank accounts.
I believe A ) Fifth Third is scamming app users into creating consumer bank accounts with them for the pleasure of paying their mortgages.
B ) Fifth Third set me up to fail by informing me of the transfer and providing instructions far too late, and will hold this late payment against me, my XXXX XXXX, and that of my spouse.
Fifth Third 's practices are lazy, unethical, and they clearly do not have their house in order as it relates to account and website security. Why are these shady practices allowed and tolerated?
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| 02/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I purchased the car in XX/XX/2019 through Fifth Third Bank with the first payment of {$380.00} due in XX/XX/2019. I am a XXXX XXXX Service Member and received reassignment orders to report to XXXX XXXX in XX/XX/2019 and called the Bank in XX/XX/2019 to set up automatic payments for the car loan. My understanding was that the automatic payments were scheduled for the duration on my tour overseas. I checked my bank account in XXXX and XX/XX/2019 to ensure the car loan payment was deducted. On XXXX XXXX my daughter called me to inform me that my car was being repossessed for nonpayment and after reviewing my bank statement I discovered that the automatic payments stopped in XXXX. I called Fifth Third Bank as soon as they opened the next morning and was informed that the automatic payments were only for 4 months and that the loan was behind since XXXX.
I never received any notice from the bank that the payments was late and the loan was in default, I did not receive mail, email or telephonic notice to inform me that there was an issue with the automatic payments even though I informed the bank that I would be relocating oversea and would not have telephonic means of communication. The bank states that they tried to reach me on my old phone number, even though I informed them that the phone would not be in service while overseas after XX/XX/2019. The best way to make contact with me is through email or mail and I did not receive any notice from the bank even though I have another instalment loan with the Bank in which I do receive email communication and updates on that loan.
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| 06/03/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
Servicemember |
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XXXX XXXX - I overdrafted on my checking account, so I called Fifth Third and signed up for overdraft protection on my account that was connected to my Fifth Third credit card.
XXXX XXXX - I overdrafted on my checking once more and was charged an overdraft fee, so I called and they said I never signed up for overdraft protection, so they signed me up for it once more.
XXXX XXXX - The same thing happened. I was charged with an overdraft fee once more, so they set me up with overdraft protection again. I then filed a complaint with the CFPB. They reply letter from Fifth Third lied and said that I denied overdraft protection from the bank.
XXXX XXXX - Again, I was charged an overdraft fee. I called, they said there was an error with signing me up so they had to set me up with overdraft protection again.
XXXX XXXX XXXX - I once more was charged for overdraft fees and I called and they again said there was an error setting up my overdraft protection and they said there is nothing they can do for me because they do n't have anything on file of me signing up for overdraft protection.
This has gone on for well before last XXXX . Fifth Third has constantly charged me with erroneous fees that they ca n't explain and I 'm stuck paying for them. I will be switching banks in the next few months once I close my business, but I want these errors and constant fees to be reimbursed. Whether its ignorance on their part or straight up trying to get away with charging fees when they should n't, I should n't have to pay for their issues.
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| 10/25/2015 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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on XXXX XXXX, 2015 there was an ACH transaction withdrawal from my account without my permission for {$750.00} to a company bamed XXXX. this ACH transaction caused my business account to go into a negative balance. when I noticed the transaction on XXXX XXXX, 2015 I immediately called my bank and spoke to the claims department. I explain the situation that this was a fraudulent activity that I have no knowledge or no relations to XXXX or the bank that was involved as well named fifth third Bank in Michigan. XXXX XXXX filed the claim XXXX XXXX filed the claims for me and told me I would receive a refund in 12 hours or up to 1 to 2 business days. When I followed up on XXXX XXXX, 2015 with XXXX who holds my business account at approximately XXXX XXXX I was told that my claim was denied because I needed to make a claim within 24 hours of the transaction. before finding out that my claim was denied I have been going back-and-forth with the XXXX the claim department and the claim department from fifth third Bank. From here I was able to claim the company ID and the trace number in regards to this transaction. after finding out that my claim was denied I had spoke to my branch manager at XXXX to have a representative called the claim department in regards to the situation. I was able to retrieve my contract that I had signed with the business account. On Monday, XXXX XXXX, 2015 I have to call the XXXX claim department and they will be contacting fifth third bank with me on the line in regards to this transaction. I have filed a claim two times more after the my claim was denied.
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| 08/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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Bank notified me of suspicious activity on my account Fifth Third Bank credit card.
. XXXX charges popped up in a few minutes. XXXX were paid out before the bank stopped the transactions. and the next XXXX charges were pended and not paid.
Fifth Third Bank, XXXX, XXXX Date of Charges - XXXX XXXX of Charges : XXXX XXXX XXXX {$640.00} Get Your Guide Operations {$260.00} Total of XXXX charges - {$900.00} I immediately called the bank on XXXX and they said yes they were fraud and made over the internet by someone who must have gotten my acct number.
Fifth Third Bank cancelled the credit card on XXXX and said they would forward the {$900.00} charges on to the Fraud unit of Fifth Third Bank.
I called 3 weeks later to find out the Fifth Third Bank employee did not forward to fraud unit. They again told me they would forward it to the fraud unit.
I have called every week since XXXX. I have been on hold and passed around each time I call and told that they are behind and would get to it soon. It has been 4 months since the fraud event. I also called branch bank XXXX miles away, on XX/XX/XXXX, and got the Branch Mgr involved who said he would get it fixed. He has not gotten it fixed. They state they are behind, well, They did not pend these charges they stated were fraudulent, and Fifth Third is billing me interest each month on the {$900.00}. Every other company pends these fraudulent charges, and Fifth Third is the one that told me about the fraud charges. After XXXX months they have not even started looking into the fraud, and they are not pending the charges on my bill.
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| 05/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/2020 XXXX Bank collected a mortgage refinance fee of {$390.00}. Roughly 3 months later there had been no activity on this request. I called in and said that I wanted to withdrawal my application as the process is taking to long and we are thinking of buying new instead of refinancing. They agreed and apologized for the inconvenience. The loan officer, XXXX XXXX told me he would have to get the approval to get the fee reimbursed. He called me soon after and said that he got the approval from his manager. After waiting a couple of weeks, I called back to see what the status was on the refund. At that time I was told that I need to apply that reimbursement to the new loan application. I pushed back as that was not what I was told. XXXX apologized and said he would go back to his management to get clarification on this. He went silent at that point. I followed up several times via email to get a status update on this. I had canceled my application with them based on the fact they said they would reimburse the application fee. I then spoke with XXXX XXXX in the Office of the President, who also confirmed that if we told you something we will make it right. I am now being told that they didn't find a recorded phone call with this information. I have the name of the individual ( XXXX XXXX XXXX, who told me via phone that they would reimburse me this fee via check. The complaint office says they do not do reimbursements on application fees. I was lied to, made decisions based on those lies, and now am in the hole {$390.00} and several hours of disputing this with XXXX.
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| 10/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I originated the auto loan in XXXX and have never been late on any payments. In good faith, I prepaid my loan in XXXX of XXXX. My lender if Fifth Third and they do not provide statements, but a voucher book at time of origination. Upon loan payoff, because I don't receive statements and there is no option to receive statements, I waited to receive my title. On XX/XX/XXXX, I followed up on my loan payoff to realize that there was a pre-payment penalty due. Upon that understanding, I paid the penalty on the phone to clear the debt. Between XXXX and XXXX, I never received any type of communication either by phone or email or postal service that I was due this penalty or frankly the fact that it was owed or late. That following week, I pulled my credit report and it showed a deficiency of 116 points. Fifth Third reported that I was 120 days past due. This clearly inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) which states that if an institution reports a status that that status must be accurate. I called Fifth Third to discuss this issue and they stated that their credit reporting was accurate. I have never been late in any payment to Fifth Third and in all respects was trying to do the right thing to pay off the loan early. The fact that Fifth Third never reached out to me verbally in 120 days to tell me that I had an overdue fee seems like a poor business practice that adversely impacted a consumer. My hope in this dispute is to re-establish my credit score and ensure that Fifth Third doesn't treat any other customer in this same type of treatment.
|
| 02/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
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My mother has a mortgage with Fifth3rd bank since XX/XX/XXXX. At the time of closing on her new home she and my dad purchased Mortgage Protection Insurance. The insurance would pay off a mortgage at the time mortgagees passing. Fast forward almost 20 years later, XX/XX/XXXX, My dad XXXX. After everything settles we contact Fifth 3rd, immediately get the runaround. After what seems to be a lifetime of transfers and dropped calls, we learned very quickly that no department communicates to the other. Our Initial question was how could we go about making a claim to have the mortgage paid off. We were told they no longer acknowledge that product and we should have been reimbursed. Our next question was when was she reimbursed and what was the amount. No answer was given.
Out of frustration we asked the pay off on the mortgage we were told XXXX. We were floored my moms mortgage with XXXX? ... .when the purchase offer home was XXXX back in XX/XX/XXXX. Fifth3rd refuses to acknowledge that accounting error. After reading the message boards we realize accounting errors are a very common practice. We have submitted " QWRs '' with the hopes of them recognizing the accounting issue, to no avail. We even had a lawyer contact them, who has been totally ignored as well.
The stress of it all has caused my XXXX to XXXX. To the point the that XXXX that I donated to her is now damaged. She is now XXXX and is being considered for a XXXX. I just dont want my moms last days here, stressed of how to pay for what essentially could be two homes. How many others are dealing with this chaos.
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| 12/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My husband and I applied for a mortgage with Fifth Third Bank and was denied three times starting in XX/XX/XXXX and ending in XX/XX/XXXX. After each denial, we had to convince the bank to continue to process our loan. After speaking with other employees at different Fifth Third branches it became clear that there was something else at play here. One employee explained the criteria for an XXXX XXXX XXXX, or XXXX, and we fit the criteria. That's when we decided to file a complaint. Upon receiving the third denial in XX/XX/XXXX, we informed the bank we would be filing a complaint and shortly thereafter, the bank made an " exception '' regarding the loan. The Michigan XXXX XXXX Department and the Office of the Comptroller of Currency contacted Fifth Third Bank and a response was received which is attached. We have composed a response to Fifth Third. We believe that Fifth Third Bank violated the Elliott-Larsen Civil Rights Act No 453, Public Act of 1976, as amended and Title VIII, US Fair Housing Civil Rights Act of 1968 as amended. We believe Fifth Third Bank discriminated by redlining or because of our race or both. In Fifth Third 's response, they feign incompetence rather than admit they violated the Elliott-Larsen Act and the Fair Housing Act. In our response, we assert Fifth Third would not expend such resources by blindly taking an application from customers that they may not be able to lend to because they have no products available. Fifth Third 's response was a flimsy excuse for discrimination. ( Fifth Third did not provide any exhibits with their response to us )
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| 08/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I as the original creditor, the banks did not give me any notice that i can rescind or let me know we have the option to not let them report this on my credit report neither. 15 usc 6802 ( a ) opt out general a b & c. By law, insurance supposed to be included in all mortgages and car loans, 15 usc 1605 ( a ) # 5. Its against the law for banks to lend its credits anyway. Farmers & miners bank v. Bluefield Nat 'l bank 11 f 2d 83, 271 us 669. Their are many more violations. The banks have been getting away with it far too long now & they think we the consumers wont catch up with their financial fraud schemes. It's called promissory fraud. There is no money : read hJr 192. Every bill you get comes in a positive. They owe you when its in a negative. Everything is already paid for before you even signed anything. What they doing is illegal under art 1, sec 10, par 1 of the constitution. Their fraud makes the signature agreement null & void period. Fraud trumps any contract. And where is the banks signature?
i never got the two copies of the rights i have so this is fraud. i am contacting the bank and gathering evidence for possible litigation.
12 CFR 226.15 - Right of rescission. i after sending you notice of Rescission will discontinue to make payments of the car. if this car is not removed from my credit report i will seek remedy for damages. i never gave Permissible purposes 15 U.S. Code 1681b - Permissible purposes of consumer reports to disclose any of this information on my credit report. there are many violations.
i will be sending formal letters certified mail.
|
| 07/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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The day XX/XX/23 I deposited {$3400.00} into the Third Fifth Third Bank ATM machine located at XXXX XXXX XXXX branch in XXXX, Fl at XXXX XXXX. When I first entered the money ( XXXX bills of {$100.00} denomination and XXXX bills of {$20.00} denomination ), the ATM returned {$300.00} in {$100.00} bills. When I entered the {$300.00}, the ATM received the bills and opened the operation. At my surprise, the ATM did not register the whole operation, this is the {$3300.00} but {$3000.00}. Immediately, I talked to the personal banker XXXX XXXX who helped me to create the dispute case # XXXX. On XX/XX/23 the personal banker and the branch manager told me that they had not found any problem with the balance of the ATM and that the money would not be returned, being this the reason why I decided to call the Dispute area of the bank to claim the money deposited at the ATM. A few days later, the bank deposited the {$300.00} and I dedided to send an email to XXXX to thnak for her initial help.
Surprinsingly, on XX/XX/23 I received a letter from Fifth Third Bank Headquarters regarding the transaction dispute. In this letter the bank informed me that the dispute was solved against me and in the same date, that is XX/XX/23, the temporary credit was reversed. I dont agree with this situation because it is clear the ATM did not deposit me the money I intended. I consider this must and should be proved through the different security cameras of the branch. I respectfully ask you to overview this dispute and look throughthissituation.
Today my checking account is overdratf in {$150.00}
|
| 08/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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On XX/XX/2023, while on vacation in XXXX XXXX via the XXXX XXXX, XXXX was charged to my debit card by XXXX XXXX & XXXX ( which after investigating the location of this restaurant was determined to be located in XXXX XXXX ( 16-20 hours away from XXXX XXXX XXXX XXXX XXXX XXXX ) where the ship docked as our 2nd port of call. ) I notified Fifth Third Bank within 45 minutes of seeing the transaction post to my account since I receive email alerts of all account transactions. When I tried using my debit card at the port in a small shop called XXXX XXXX XXXX, I was told that my transaction was declined. I called Fifth Third Bank at XXXX to ask if there was a block on my card since I am from XXXX, but was travelling internationally. They said that I should be able to use my card but I did not swipe my card at any other location while at the port. This restaurant does not even have a location at the port nor was it possible to travel there during the 8 hours that our ship was docked. I have presented Fifth Third Bank with my travel XXXX, XXXX stamped photos of me in XXXX XXXX with the fact that they have recorded calls from me in XXXX XXXX to resolve this and reporting this issue while it was a pending transaction. I was given the phone number of XXXX from a Fifth Third Bank disputes team manager and the number is not even valid. This should have been an open and shut case of fraud, but the Bank will not give me my money back. I have no way of reaching out to XXXX. My issue is with my bank and its failed investigation and tge resulting hardship this has caused me financially.
|
| 01/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that Fifth Third Bank had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX.
On XX/XX/XXXX, I spoke with Fifth Third Bank 's customer service representative who explained that Fifth Third Bank had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite Fifth Third Bank failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}.
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies.
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ).
Thank you and best regards, XXXX XXXX XXXX XXXX
|
| 08/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I purchased a new on car on XXXX XXXX, XXXX the finance manager applied an extended warranty on my vehicle with out my permission. I told the financial Manager on XXXX XXXX, XXXX. I didn't want the extended warranty applied to my loan extra charges were applied .I didn't notice it during the transactions, I took my paper work to my father and sibling and they looked at my contract and my father noticed their were extra charges was applied to my loan, I went back to the dealership. and I informed him that I didn't want and extended warranty on my contract, I asked the finance manager for my receipt and he said he didn't have to give it to me. I ask him to remove it after one week, He said verbally he would take it off and a week later, I went back to the dealership and he finally gave me my receipt after my third visit weeks have gone by the extended warranty is still on my contract, I notified the bank until this very day it's still haven't been removed. My receipt was given to me on XXXX XXXX, XXXX it said in XXXX XXXX XXXX the extended warranty was going to be removed in that time frame it's going on XXXX the XXXX XXXX. I called the manager and he said he notified the Finance Manager while he was at home that was on XXXX XXXX,XXXX. He said it would take six weeks from the twenty one day mark. I haven't bought a new car in over twenty years and I felt like the Finance Manager and the store manager took the advantage of me as a female. I went to another bank to refinance my loan.I can't get my car refinanced until the extended warranty is removed from my account.
|
| 08/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Servicemember |
|
I have had a mortgage with Fifth Third bank since 2011. On XX/XX/XXXX, I refinanced with XXXX XXXX. Ohio had a three day cooking off period where I could change my mind so on XX/XX/XXXX, XXXX sent a payoff check to Fifth Third via XXXX.
On XX/XX/XXXX, a XXXX XXXX at Fifth third signed the receipt from fedex for the check.
On XX/XX/XXXX, I noticed that the payoff check had not been cashed by Fifth Third. I verified with XXXX that the check had been sent/received by Fifth Third and that it had not been cleared.
I immediately contacted fifth third to see the status of the check. I contacted them again on the XXXX and the XXXX ( all via their mobile chat ). I provided the name of the person who signed for the check al XXXX with the fedex tracking number.
On the XXXX they said they had submitted a research request to find out about the check. They said they would get back to me in four business days. In the meantime, I went ahead and made my XXXX Mortgage payment to avoid any chance of a late fee.
Four days later, I still had not heard from them. I contacted them again today ( XX/XX/XXXX ) to check on the status. They have provided zero update on the payoff check or any actions they are taking but said they have mailed me a letter asking for more information. There is no more information for me to provide and I am extremely concerned that they are holding my XXXX payment as well as charging me more interest.
They have not given me any information on my check and are now saying I need to wait for some mysterious letter in the MAIL to give them more Information.
|
| 02/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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I recently ( officially XX/XX/19 ) changed my home insurance plan to a plan that was over {$200.00} less a month ( almost {$2500.00} less for the year ) and informed my mortgage and escrow holder ( Fifth Third Bank ) of the change. A month passes and my new payment due for XXXX has not been altered and I begin calling to ask why my monthly payment has not changed. One escrow specialist I spoke to informed me that an escrow re-evaluation kicks in as soon as one of the elements ( in this case the home insurance ) changes.
Call back on XX/XX/XXXX and we are informed that there is no re-evaluation being worked on but they will start now, it should take at most 6 days. Over a week later we have received no information so I call back and speak to someone else on XX/XX/XXXX and there has been a request for a new evaluation but it has not been started. I am assured that this will be fast tracked and they will be in touch with me soon.
No contact from the bank again until today, XX/XX/XXXX, I call back yet again to see if the evaluation is complete and ask why I have not been contacted. The evaluation has just completed and my new XXXX bill will reflect the new payment. I asked over and over again why I had not been contacted when assures over and over I would be and why I had to pay money I should not have had to due to my new insurance policy. No answers were given, just policy jargon, and when I requested documents on of my contacts to the bank I was denied access to those documents. I also asked for a letter or documentation of this denial and I was also denied that.
|
| 10/01/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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On XX/XX/2023, someone forged a fake check against my Fifth Third savings account for a total of {$10000.00}. We filed a dispute with Fifth Third on XX/XX/2023, after dealing with numerous other fraudulent checks against our Fifth Third accounts. The local branch told us that our dispute has been denied because we reported it too late. However, I can not find any evidence of this policy on their website, nor can a bank employee provide me with a copy of the policy, they claim for this to have disputed we had to report it 30 days after the end of the statement period. Another reason we didnt notice this immediately is because we didnt think it was possible to write a check against a savings account. I have never ordered checks for my savings account, nor would I since I also have a Fifth Third savings account. While we have been dealing with multiple accounts of fraud, several Fifth Third employees told us that somebody made 36 straight attempts to log into my account and on the 36th try they were granted access. According to the employees the account should have been locked out after 4 failed attempts. Also, when logging in online from a computer/device that isnt recognized a security code is supposed to be sent to the phone number on the account to verify the correct person is logging in. Again, that didnt happen, which resulted in my accounts being compromised. Fifth Third had committed to doing nothing to resolve this problem even though it is clearly their fault, and I am paying the price for them not taking their duty and responsibility of protecting my money.
|
| 03/16/2021 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem getting a card or closing an account
- Trouble getting a working replacement card
|
|
Web |
Older American |
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I have been trying to get a debit card replacement since XX/XX/XXXX. The expiration date on the old card was XX/XX/XXXX and they did not send me a new card. My debit card amount was {$370.00}.
I was waiting on a replacement card in XX/XX/XXXX and I did not receive one. On XX/XX/XXXX, I called them about a replacement card and sent them two documents with my address on both documents cus they wanted to know my new address. I worked for Experience Work ( many years ago ) a senior citizen government program to help low-income seniors. I added money to this card too and was saving the money for emergencies.
I contacted XXXX on XX/XX/XXXX, because I did not get a new card and learned that the dollar amount on my account changed to {$360.00}. Spoke with XXXX and he said they did not receive the two documents and ask me to send them my social security card. I felt uncomptable sending them my SS # over the internet and asked what other options I have and I resent the two documents with my address. XXXX said I should get a new card in 10 days.
XX/XX/XXXX. I called XXXX and my account balance changed from {$360.00} to {$360.00}. Every time I call they withdraw money from my account. I uploaded my driver 's license and birth certificate as an option on their website. XXXX said they received the documents and he will make a request to replace the card and told me my options based on regular mail delivery or special delivery which include a cost and I accepted regular mail delivery. He said I should receive it in 10 days.
As of today no replacement card for XX/XX/XXXX.
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| 12/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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on XX/XX/XXXX there were 3 fraud transactions in my credit card for {$30.00} and {$30.00}. I requested an investigation since these and prior charges were not done by me. I provided evidence the charges were not done by me. While 53rd bank conducted an investigation i continued to get charged fees and late fees on the balance of the account in dispute. XXXX was afraid these charges were going to escalate so I paid off the entire balance on this credit card while they took their time to resolve the dispute on and on XX/XX/XXXX I requested the card be closed after I paid off the balance to XXXX. and waited to get my refund for the fraud charges. I had to continued to dispute and follow up with the banker at the branch and after so many attempts to talk to the fraud department I have no refund for the fraud charges I paid directly to the credit card from my checking account. Finally on XX/XX/XXXX I received notification that the XXXX and XXXX were credit back to my credit card which was closed on XXXX. When I called dispute depatment I was told i would get a cashiers check XXXX to XXXX business days and I waited XXXX weeks before following up with the banker to make the call for me since I lost confidence in my abilitiy to get help on my own with dispute dept : case number XXXX another case # XXXX. The banker at the local branch was also told the cashiers check was denied without any explanation and the dispute department hung up on him 2 times with me in the office. I dont have access to this credit since the the account is closed. i need my money. please help me.
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| 08/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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-- As a customer paying off an auto loan account in full, incurred interest charges that were applied as the payment was processed. Could ruin the mortgage process for a 30 day late payment.
I attempted to pay off my auto loan, using the payoff amount as listed in the more details tab on XX/XX/XXXX. After submitting the payment of $ XXXX. My installment account balance stated {$0.00} for several days after i paid off the account. However 30 days later i receive a notification to personal capital about a fee from Fifth third bank about a late fee. I reached out to the bank about the {$35.00} late fee and was just told it would be removed with no real explanation about why it occurred. Again I checked my app and it states a balance of {$0.00}.
The Next week I received a notice that my account is now in default for the amount of {$3.00}. I try to pay this amount off on the app and get a system failure because the balance states {$0.00}. I receive a call to get this amount paid off and finally pay the small amount of interest. I had the ability and willingness to pay this interest amount but was uninformed that any amount was due.
Now as a consumer in the middle of trying to secure a mortgage loan I receive a credit bureau report of a late 30 day payment. 5/3rd bank has an intentionally deceptive UI screen that will hide the incurred interest in a smaller drop down window, unhelpful customer service reps, and a system that is unable to take a {$3.00} charge. As a consumer who has unblemished credit, i may miss out on historically low rates due to these practices.
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| 05/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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XXXX XXXX does not allow for automatic online payments so I had a payment amount set through my bank that was well above the minimum payment due. This has been going on since XXXX XXXX . Much to my surprise I received a letter from XXXX XXXX advising me that I had not been making my minimum payment and was now in arrears {$390.00}. I was shocked. I received no information from the bank. I have since been contacting them to correct this matter without any success. I have been told I am too " XXXX '' to use their website. I have been belittled because my " XXXX '' culture makes it impossible for " XXXX '' to understand me so she started yelling at me and hung up on me. I am trying to find a way to set up my payments so they are paid automatically and I dont end up getting assessed unreasonable fees. I believe this practice is intentional. They now claim they can increase my payment to 5 % because I failed to make the minimum payments despite that I was making the same payments every month but they never contacted me to advise me I was not meeting the minimum payments. Again 5th Third Bank does not offer online auto pay like every other bank does. I have been given incorrect information and continue to be assessed horrific fees because they will not tell me how to remedy the solution. I also think it would be respectable to advise XXXX that we are not welcome in your bank - its just the right thing to do. They offer no bill pay, will not promise to send you statements electronically or otherwise _ XXXX says its all in the fine print.
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| 09/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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Web |
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Went into branch XXXX/XXXX/15 ; made cash withdrawal of {$610.00} before XXXX ; next evening, XXXX/XXXX/15 after XXXX called auto system to check balance ; I was given an amount of over {$600.00} by the automated teller ; was assured by customer service agent that the amount of the balance quoted was correct and it was from my employment ; transactions were made ; I was charged overdraft fees all because someone in the branch did not do their job correctly and I was led to believe this money was available. If cash is withdrawn from an account, how can it still be there? I thought it was a bonus ; I do get bonuses from my employment. The amount of overdrafts reached an amount that was more than my next paycheck. The bank did take responsibility for part of the overdrafts but the fact still remains that I had to pay for someone else 's mistake. Why would it take over 24 hours for a cash transaction to post? My guess is someone was not paying attention.
Just the month before I went to the same branch office and asked to withdraw the same cash amount from my saving. The same teller withdrew money from my checking account when he/she could plainly see that the amount requested was not in my checking account! I 'm standing right there. Could n't she have just checked with me to make sure it was the correct account? That time also I called to check my balance the next day and found my checking account overdrawn! This time when I spoke to a customer service agent I was able to transfer the proper amount of funds from savings to checking to cover someone else 's mistake.
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| 07/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
Older American |
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Fifth Third Bank denied loan application for an Equity Flexline of credit.
The loan was denied after more than 60 days of processing, which included ordering credit reports, requesting proof of cash reserves, a completed appraisal of property, tax returns, proof of income, etc ...
The decision noted for the decline was " Ineligible property type for second lien mortgage ''.
First, when asked " property type '' the answer was clear, concise and unambiguous ; 2 unit building. The discussion regarding the purpose of the loan and the property type were well noted. Especially since the property 's current home equity loan is with and to be replaced by Fifth Third Bank. Why would we the owner of the property provide misinformation about the property type knowing that Fifth Third has current loans ( 1st & 2nd ) and can easily verify accuracy? Doesn't make sense! With that said, why did Fifth Third Bank lead us to believe that we were applying for the appropriate loan, all the requirements were met, awaiting limits of credit and a closing date. Therefore, to get this type of reason for a decline appears to be less than honest, collaborative and deceptive lending practice by Fifth Third Bank. In closing, Fifth Third just simply decline ; offered no suggestions, no alternatives and no explanation of how this unthinkable mistake could happen. Why? Perhaps, this type of practice is normal. However, we will not accept this type of treatment. We will work diligently to make our case to all appropriate agencies or bodies until results are equitable regarding this matter!
|
| 11/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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I have major problems with Fifth Third Bank and the credit card I used to make a online purchase The product stopped working after several days and the seller did not answer or respond in any way. I filed a dispute with Fifth Third Bank and gave a full explanation This was mid XX/XX/2020 They credited the charge but I did not hear anything for three or four weeks Since this was not being handled I searched out the seller. I found him and got a return authorization return shipping label. Product was returned XX/XX/2020 via USPS I advised Fifth Third Bank the status and it appeared they just ignored it Then they charged the purchase back to my account on XX/XX/2020 On XX/XX/2020 I sent the tracking number info from the Post Office to them via email to attention of a XXXX XXXX I got no response and the charge was not removed I decided that I did everything I could so I just ignored it. Then on XX/XX/2020 I received an email XXXX XXXX XXXX that Fifth Third Bank had reported me as delinquent and my FIC O credit score had dropped 106 points from XXXX to XXXX. To put it mildly I was livid I could not get through to them and when I tried I was put on hold for over 30 minutes. So on XX/XX/2020 I sent a two page email to XXXX XXXX giving a history with attachments I know he got the email because a XXXX from his office called me and the gist of the discussion was she said well they denied your claim I am done wit h this. I now want justice and I am going to get it. If not from your agency then from another. I will not stop.I am attaching documentation to support my case
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| 08/02/2016 |
Yes |
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Web |
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I have a credit card for our business with 5/3rd Bank out of XXXX, OH. I have had this card for over 10 years and in the past had done all of my business with 5/3rd until the 2008 housing crisis. At that time, I was trying to get another mortgage and a Senior VP at 5/3rd lied to me during those negotiation and was eventually fired for mistreating me. I then took all of my corporate business to XXXX Bank in XXXX, with the exception of this XXXX credit card. I have an excellent credit rating and I have paid on time for years. However, a month ago, I did not get my statement in the mail and before I realized that I had not paid it, my payment was 10 days late. The next month, I found that they had raised my interest rate from 9.24 % to 29.99 % just for being 10 days late. That is a penalty of {$220.00} per month! They have now informed me that this penalty will be in place for six months! Meaning that they are going to penalize me {$1300.00} for being 10 days late on XXXX payment. Clearly this is predatory. Certainly, they are trying to drive my business away. I have no problem with that, I just have a huge problem with how they are doing it. That is a lot of money for any small businesses and many would not be able to take their business elsewhere. This simply is wrong and I ask the CFPB to investigate this practice at 5/3rd Bank to see how wide spread this predatory practice is and how many businesses have been affected. Then I ask that you take action to get them to repay me and the other business victims for the money that they have literally stolen from us.
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| 03/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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Web |
Older American |
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On XX/XX/XXXX, I went on FifthThird Bank 's website to make a {$36.00} payment on my credit card account. I tried several times to make my credit care payment on-line and I kept receiving the message that the system couldn't accept my payment and that the system gave me a toll-free number to call. On XX/XX/XXXX, I called the toll-free number and spoke with a Fifth Third Bank representative and asked if she was able to see if a {$36.00} payment was made on my account. She responded, no. So I made a {$36.00} with the representative payment and she gave me a confirmation number : XXXX. About three days later when I checked my checking account, I noticed that I was charged four payments of {$36.00} each for the one credit payment that I made on XX/XX/XXXX.
A few days later, I received notification that those 3 payments will be reversed. So, I'm thinking great. Today, XX/XX/XXXX, I received a call from Fifth and Third Bank stating that my credit card account needed immediate attention. I wasn't really concerned about my account because I knew that I had made my payments and my account was current. In speaking with the Fifth and Third representative today, XXXX stated that my account was behind and that I would have to make a payment and late fees would be added to my account in XX/XX/2023. I had to make another payment of {$36.00}. I asked if I could speak with a supervisor as I have never been late on my account and these issues are relative to Fifth and Third 's website and of no fault of mine. I held on the line for about twenty minutes and was disconnected.
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| 07/19/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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Fifth Third Bank will be the next bank that is illegally triple-charging overdraft fees when they can not explain why the fees were assessed with to begin with. I have had an account for Fifth Third Bank since 2016 and I never had an issue with them until the last year -- when I noticed they have been charging customers for overdraft fees. I experienced this over the weekend, monitored my account everyday -- and woke up this morning to {$110.00} as one charge -- of overdraft fees and no one could explain it to me that would make it make sense -- when I was depositing money every single day and it never showed me my account balance was in a negative. Not only that -- they held the charge for 4 days -- and posted the charge on the day my account was low. Even then, with their policy -- that states that as long as the funds are deposited by XXXX the next day, I will NOT receive an overdraft fee -- and yet, I will still charged. This has happened to many customers, and enough is enough already. Legally, this is unacceptable and I'm sure there were many other customers that experienced the same exact thing as I did today. Think about, if you can scam at least XXXX for {$110.00} in overdraft charges -- that's a total of {$330000.00} total they just recovered and will do nothing -- absolutely nothing -- to waive those fees for their customers. Please investigate -- these banks are getting out of control with these overdraft fees and we feel as if we have no other choice but to deal with it because these banks refuse to work with us giving us the answers we need.
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| 10/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Account sold or transferred to another company
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Web |
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Fifth third Bank has been completely reluctant in resolving several ongoing issues. In regards to my secured card I did not want to close, I came into the branch and spoke with Branch Manager XXXX XXXX who previously had been one of the greatest banking representative I have ever dealt with. When speaking with Ms. XXXX I expressed several concerns including XXXX XXXX who is the most informal corporate representative from fifth third I've had to deal with. I decided at that point the bank was literally forcing me to close my secured card. Ms. XXXX informed me then that she reached out to her DM and that he gave her permission to close my secured card early from the XXXX dollar deposit I originally made that opened the account. I was informed that the card would be closed immediately with a XXXX balance despite the company refusing to investigate the fraud charges on the account I was not able to dispute due to fifth third Bank making errors and providing misleading information. The bank had not closed the card but rather has left it open so they can charge extra interests and other fees. I did not want to be forced to close the card then when I was told the card would be closed the bank lied and misrepresented itself and left the card open causing me a disparate impact that has left me in a worse ongoing financial and credit standing due to the actions and lack of actions by this bank and it's employees. I am making this complaint for the record since fifth third bank will not resolve the matter I have obtained the appropriate counsel to proceed further.
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| 09/10/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
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Web |
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I received a coupon offering {$200.00} if I opened a checking account at Fifth Third bank. During the account opening, the banker informed me about services available like a complimentary savings and credit monitoring. I did not inquire about the savings because I did not have a need, but inquired about the credit monitoring. She then explained there was a fee and I informed her I was not interested. At the end of the process she provided me with a paper to sign acknowledging I was opening a savings account. I asked if this was required and informed her I did not want a savings as I did not have a need. She stated I did not need to open the savings and I told her I did not want one. A couple days later I called customer service as I was not able to log in online. After getting help from the representative I was able to log in. To my amazement it showed a closed savings account. I asked the representative if the account was ever opened and she kept stating it had been closed. The second or third time I informed the representative I knew it was now closed, and asked had it been opened in the past. She informed me it had been opened the same day I opened my checking and then closed the next day. This makes me very upset for several reasons : a financial institution account was opened without my permission, when I asked the banker I was lied to and told it would not be opened and it was, and when I asked the customer service representative days later ... it took me multiple attempts to get an honest answer that the account was indeed opened and then closed.
|
| 01/15/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Servicemember |
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I have been getting calls everyday since the end of last year stating they were a legal firm in my maiden name XXXX XXXX. My first call came from a XXXX XXXX on XX/XX/XXXX. After I got one call, they proceeded to call my family members. They started calling me, and on the same day of XX/XX/XXXX at XXXX. They stated their name is XXXX XXXX, stating that they were putting a judgement on me and would have legal documents for me to sign. They proceeded to call my sister with the same message. I asked that he would stop calling my family members. I asked for the name of their company, and they didn't give me a name of a company except that they were a legal company. I asked that he would send me proof that I owe anything, he stated that he doesn't have anything to send me because he was about to put the judgement in for me. I proceeded to tell him that I would pay or work on anything until I got paperwork showing proof. He told me again that he couldn't. I told him that I would contact 5/3rd bank myself to find out exactly what I owed. He gave me a number, however that was not the correct number. I ended up calling the bank, and they stated that it was collections. Which they gave me a phone number, which they told me they couldn't find an account for me. When I talked to him again, he stated that he was able to find my family members info by searching my social online. I stated that was against the law, and he said that is what they did. Since then, they have called my dad which my dad hung up because the gentleman was rude and had no information for him.
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Fifth Third Bank sent a final statement in the amount of {$1200.00} with a due date of XX/XX/22. I was unprepared to pay the amount, as my normal payment is {$350.00}. However, I received a deferment due to COVID-19 hardship and was informed that the final payment was higher because it included those XXXX months rather than the number of months being extended as I initially thought when I requested the deferment. Given the surprise increased payment, I could only afford to make my normal payment that month ( XXXX ). The remainder amount ( {$860.00} ) was paid on XX/XX/22, which was a Sunday. Unfortunately, Fifth Third Banks payment cutoff time is XXXX XXXX Monday-Friday ; therefore, they do not process payments on the weekend, which is when the due date would have been for being considered 30 days late. The following Monday ( XXXX ) was also XXXX XXXX and Fifth Third Bank does not process payments on holidays. Therefore, the payment was not processed and posted until the XXXX. Given that Fifth Third Bank offers no method for receiving/processing payment on weekends ( which would have been the due date for being considered 30 days late ) and given that they were also closed the following Monday for payment receipt/processing, I do not believe that my payment should be considered 30 days late for any purpose, including credit reporting purposes. According to Regulation Z, Part 1026, the creditor may generally not treat a payment received the next business day as late for any purpose when the creditor does not receive or accept payments on the due date.
|
| 12/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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5/3 Bank ( Construction to Permanent loan ).
During the construction loan period ( interest only payments ), 3 of the monthly payments included additional funds to be applied toward principal reduction.
XX/XX/XXXX : {$1500.00} additional XX/XX/XXXX : {$1000.00} additional XX/XX/XXXX : {$1000.00} additional Original loan balance was XXXX. Per XX/XX/XXXX Screenshot of 5/3 mobile banking, principal amount due was {$540000.00} ( see attached ) -XX/XX/2020 the loan transitioned from construction to permanent as the house was completed. At that point a new statement was issue showing outstanding principal balance of XXXX ( original loan balance, extra pmts toward principal reduction were not accounted for ).
Basically when loan transitioned from construction to permanent, principal balance did not account for {$3500.00} in principal reduction payments applied during XXXX-XXXX-XXXX.
-XX/XX/20 I called 5/3 customer service line and talked to CSR XXXX , who confirmed extra payments for principal reduction were received in the aforementioned dates. I asked for a statement in writing showing the application of the extra pmts toward principal reduction, and what I received was the latest statement with wrong principal balance due.
As of XX/XX/2020, email was sent to CSR that I have been in touch with, and loan officer who helped us at the beginning. The outstanding principal balance is XXXX as I already made first permanent loan payment that included XXXX toward principal.
Today XX/XX/2020 I called gain and left a voice mail for the same individual
|
| 05/01/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American, Servicemember |
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I purchased a 7 month {$1000.00} CD at 4 % interest compounded daily on XX/XX/XXXX from XXXX XXXX XXXX . Account or XXXX number : XXXX . I never redeemed the CD expecting that it would continue to collect interest, even if adjusted. About 10 to 14 wee ks ago I called Fifth Third ( 5/3 ) B ank who purchased XXXX XXXX XXXX some years ago about redeeming it. Several times I have been promised return calls from both the Corporate office and local branch but they never have kept their promises. I call back and they tell me it will take a week or so to research the matter of providing proof it was redeemed and try to dissuade me by saying it might cost me a lot of money for them to do that. I tell them to do the research. Then they say they may have deleted or purged the information.I do not believe I ever received any form of payment for the CD. It was purchased as a gift for my son and he kept saying he would let me know when to cash it in and give him the money. He waited until recently to ask me about it as our family is planning a XXXX vacation this Fall and he always intended to use it for travel. After several calls to the branch ( phone : XXXX ) I spoke to XXXX a t Fifth Third Corporate on XXXX / XXXX / XXXX ; XXXX # XXXX . Any assistance you can provide me would be greatly appreciated. I know my CPA tells me I have to keep my tax and business records indefinitely. I would think the banking industry would be have at least the same requirements as a small business owner would. Thank You Again, XXXX XXXX XXXX
|
| 09/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
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|
Web |
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Fifth Third Bank XXXX XXXX XXXX MD XXXX XXXX, OH XXXX Dear Sir/Madam, Re : Case Number : XXXX I hope this letter finds you well. I am writing to bring to your attention an issue regarding the aforementioned case number. As the designated recipient of funds owed to me, I am facing a challenge with the maker of this case number, who has declined to send the funds as required.
I wish to emphasize that the refusal to release the funds is in violation of government law and the terms under which the funds are rightfully designated to me. I have made repeated attempts to resolve this matter directly with the maker, to no avail.
Therefore, I kindly request Fifth Third Bank 's assistance in facilitating the release of these funds by issuing a check to the designated person, which is me, in accordance with the fullest extent of government law.
Please find below my contact information for reference : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX To ensure a prompt resolution, I kindly request that this check be sent via XXXX Express 2-Day Shipment directly from Fifth Third Bank. Your immediate attention to this matter is greatly appreciated, as it is essential for the proper and timely resolution of this issue.
If any further documentation or information is required from my end, please do not hesitate to contact me at XXXX or XXXX.
Thank you for your prompt attention to this matter. I look forward to a swift resolution, and I trust that Fifth Third Bank will assist in ensuring that justice is served in this case.
Sincerely, XXXX XXXX XXXX
|
| 01/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Trouble during payment process Please see my initial complaint information above.
This complaint has NOT been resolved. Now the company is sending me letters warning that I am late with my payments. I tried calling the number and person who responded to my complaint however, they did not answer so I left a message. This company has some serious communication issues. Additionally, they have very shady practices in applying payments and charging astronomical prices to service the mortgage. I am requesting that you look into their mortgage loan practices. This company bought out my loan and ever since they started servicing my loan, I have had problems.
They do not apply the payments I make and then charge me fees that I do not understand. When I have called to tell them to apply my payment, they have ignored my attempts. They continue to send me bills and call me daily. They sent me a letter to state that they would stop payment on the checks that sent me and apply those payments to my account however, I would still owed {$1700.00}. I called the number they had in the letter ( no answer ) but left a message to stop payment on those checks and sent {$2000.00} to make sure I covered the amount.
Today I received a letter stating that my account was in arrears and they would start collection. I don't know what will resolve this issue since any attempt to communicate is thwarted by answer machines or being placed on eternal hold.
|
| 11/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
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I responded to an offer I received from 5/3 bank back in XXXX of 2016, stating that new bank customers that opened new checking accounts would receive {$200.00}. I opened the account online and visited the local branch with the offer code and to finalize the account with a signature and deposit. The terms of the offer explained that in order to receive the {$200.00} I would have to have direct deposit from my employer and complete XXXX online bill payments. I have satisfied all conditions of this offer as of XXXX/XXXX/2016. I have not ever received the {$200.00} for this offer. I have called more than 20 times and I keep being given the run around. I even corresponded through their face book and social media group which finally did call me back and left me a message stating they would honor the offer and wanted me to call them back. This was more than 2 weeks ago and they have still not honored it. I have left more than XXXX voicemails and never get anyone to answer when I call the number they provided. They claimed that they spoke to me on XXXX and that the issue was resolved, but I never spoke to anyone and the issue is not resolved because they have still not honored the offer. I think this is extremely deceptive and coerced me into utilizing account features that I would not normally use to only not have them honor the {$200.00} bonus for completing the stipulations. I think this offer should be honored unless they can show that I have not completed the conditions and they should immediately deposit the {$200.00} into the account as promised.
|
| 11/08/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
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I filed an Federal Trade Commission report and affidavit and police report of being a victim of identity theft, and all bureau 's except for XXXX blocked the concerning information. Fifth Third Bank continues to report on my credit report, although it was not reporting at one point. I do believe my attorney stated once something is removed it is illegal for it to be put back on, well it 's been put back on and I am tired of fighting with this. This is the last fraudulent account reporting and if they do n't remove it I am going to have to sue them because it is keeping me from living my life and moving on from the horrors of being a victim of identity theft. It even kept me from licensure for my dream job because I do n't have a perfect credit file! For them to come back and claim they investigated as if I did n't file all the paperwork which makes them by law have to remove the file and block it, is an absolute smack in the face and I am tired of it. Remove it now and MAYBE I wo n't sue for damages because it has kept me from getting a house now and a new car, and kept me from getting a job XXXX! this is ridiculous to get something done with this company, every other company included in the affidavit removed the info and has found that the accounts were opened fraudulently during a legitimate investigation in a suitable amount of time. You ca n't tell me XXXX other company investigations found fraudulent activity and fifth-third actually investigated anything. The account itself is registered to an address in XXXX where I have never even lived!
|
| 12/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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I went to XXXX to get a financing through them and thought I was approved after they forced me into agreeing to a down payment of {$3500.00}, which i didn't know was illegal at the time, then they charged me XXXX above market value for the car in hidden fees and didn't provide insurance. But then all of my payments were through XXXX bank online app which I didn't know wasn't XXXX until they started harassing me, putting derogatory marks on my consumer report without my permission and threatening repossession before the " payment was even due '' even though it was financed with a promissory note that I endorsed, and XXXX bank which is only on the XXXX XXXX, while I'm on XXXX XXXX, won't help me at all unless I go into a branch XXXX hours away from my home but they somehow acquired the XXXX and are using it as blackmail to extort ... on top of that, because all the time I've spent trying to cure the losses I've incurred, I havent been able to afford basic necessities like a phone plan, can't afford routine maintenance on the vehicle in mention and my consumer credit report has taken a massive hit because of XXXX actions which has then made every other lender ive contacted for financing deny me my credit... i was at XXXX for maybe XXXX hours before the deal was done and i left with the vehicle and the original documents I have from that interaction dont mention XXXX or any third party at all, if I would've known that it wasn't through XXXX XXXX would've been skeptical let alone its not through XXXX and its XXXX hours east, 2 times zones away ....
|
| 11/07/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
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On XX/XX/2023, my wife and I went to Fifth Third Bank on XXXX XXXX XXXX in XXXXXXXX XXXX to open a 5-month CD and sat with XXXX XXXX XXXX Personal Banker I who did the paperwork to open this account. As you can see by the attached letter we received from Fifth Third dated XX/XX/2023, it shows that our CD maturity date was XX/XX/2023 ( today ) and the redemption value is {$12000.00}. We went into the bank to pick up our cashier 's check today and close out the CD account, XXXX XXXX told us the amount he showed we were to be paid was {$12000.00}. We showed him the letter we received with the amount we were due as {$12000.00}, they were shorting us {$12.00}. XXXX called his manager over to assist him, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX could offer no logical explanation as to why the amounts were different. He told us it would take a couple/few days for them to try to figure it out and then would call us to come in and pick up our check. ( Attached is his email to us with his " explanation '' ). We told him we wanted interest for each day after XX/XX/XXXX since we wanted our redemption check today, and they were unable and could not provide us with OUR money! The incompetence that the employees at Fifth Third Bank have demonstrated has left us speechless. They are holding our money hostage because they can not figure out how to get us the amount due us since their computer is showing a different amount! How can a bank, any bank, be permitted to NOT return a customer 's money? This is a form of theft that should not be tolerated whatsoever.
|
| 05/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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My debts were consistently paid on time until my XXXX on XXXX XX/XX/XXXX when the XXXX XXXX judge of XXXX XXXX assigned my mortgage and home equity line of credit debts to my ex spouse. Yet following the divorce 5/3 bank reported me to credit agencies, such as XXXX as paying late and has never corrected this error.
As a result I can't get a credit card at XXXX and have a low credit rating which has caused me other problems. I have contacted 5/3 to resolve the matter and they responded in a letter dated XXXX XX/XX/XXXX which said that the divorce decree did not alter ownership of my debt.
In paragraph # 2 of divorce case XXXX. XXXX XXXX XXXX states : 1. Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall have no financial or other obligations with respect to the land contract ...
2. The three parcels of farmland ... shall be refinanced by the defendant ( XXXX XXXX XXXX so as to remove Plaintiff 's name XXXX XXXX XXXX XXXX from any and all obligations with the XXXX Bank.
3.If defendant XXXX XXXX XXXX XXXX is delinquent ( within a period of 60 days ) in any payment with regard to the two 5/3 bank accounts defendant shall ... cause them to be sold to ... pay both of the 5/3 bank obligations in full. [ He did not do this. ] 4. Refinancing shall be completed by Defendant as soon as possible not to exceed 30 days from the effective date of this order.
Attached are 1 ) Pertinent pages from the divorce decree ( to include paragraph 2 ) 2 ) A 5/3rd letter, dated XX/XX/XXXX in which 5/3 states that the account has been paid in full and is closed.
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| 01/22/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I had a mortgage with Fifth Third Bank. XX/XX/2016 I paid off my mortgage. At the same time the tax bill from XXXX County arrived, for the amount of {$770.00}. Fifth Third told me that because the mortgage was paid off they would not pay the tax bill and I should pay it directly. I did pay it myself, but it turned out that so did Fifth Third, and they deducted that amount from my escrow pay-off. However, when I called the XXXX County tax bureau in XXXX, they said they only received one payment -- mine. They told me if they had received 2 payments they would not have processed the second payment. They would have simply sent it back. So, even though Fifth Third said they paid it, that payment has never been processed. I have no idea if their check was ever issued or is lost or whatever. But the tax authorities only received my personal payment. I have contacted Fifth Third numerous times, and all I get is the runaround. First they told me they need more time to investigate the matter, to make sure the payment was not completed. Then they told me they need more time to process the refund. Then last time, on or around XX/XX/2016, they told me the check was in the mail. This turned out not to be true, since no check has arrived. It is now 2 and 1/2 months, with no resolution in sight. Fifth Third is being totally uncooperative and unhelpful. They should be made to return my money. Here is a copy from the Fifth Third Website indicating they deducted the payment from my escrow account on XX/XX/2016.
XX/XX/2016 XX/XX/2016 ESC DISB - TAXES {$770.00}
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| 11/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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|
Company has incompetently handled my application for loan refinancing. After completing an appraisal on XXXX XXXX, I could not get an updated status on the my application as the appraisal was " pending submission '' from the contracted firm. Upon finding the information of the appraisal company in XXXX, I learned that the lender cancelled the appraisal without justification. I shared this information with my new loan processing officer who again continued with inadequate updates until I escalated daily calls with lender. We finally received our XXXX appraisal on XX/XX/XXXX. Of course, the firm made us resubmit new financial information and took out another hard credit inquiry because of the expiration of documents. The frustration continued again when our loan development halted again to re-certify the XXXX appraisal on XXXX XXXX. Today, on XXXX XXXX, we were scheduled to close, and I received a frantic call from the notary saying they could not proceed with the closing as XXXX had not submitted the paperwork. We started the refi process in XXXX, and 6 months later, we have still not closed. The mortgage loan officer information is below : XXXX XXXX Mortgage Loan Originator Office - ( XXXX ) XXXX Email - XXXX XXXX Mortgage Licensing System ID # - XXXX Conditional approval letter shows approval on XX/XX/XXXX. This is the longest loan I have ever seen process.
I believe the firm is leading me on to collect more interest since the previous loan has a higher rate. This is predatory behavior and the firm has not given me resources to escalate.
|
| 01/18/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
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On XX/XX/2016 I closed all my accounts at Fifth Third Bank due to a history of bad customer service. I asked for a check with my checking, savings, and Access 360 Debit Card balances. The bank manager only printed me a check for the checking and savings balances. She said that in order to get the Access 360 account 's money I had to call Customer Service. After this I had multiple failed attempts to get to the right customer service department to close and refund the 360 account. The balance was around {$30.00} and so I decided at that point to just give up. Then in XX/XX/XXXX I realized that Fifth Third was charging me a monthly fee for not using the Access 360 Account which I do n't have access too and they have not allowed me to close. I called them on XX/XX/2016 and was on the phone over 1 hour because the customer service representative told me that only a local branch associate is able to close this account. I explained my ordeal and she had me on hold while she was not successful in reaching a local branch representative within various local locations. She then transferred me to her supervisor, XXXX, who hung up on me. XXXX then called me back the next day telling me to call back for assistance. The bank is still charging me the monthly dormant account fees and they will not close and refund my balance. I can not spend more hours on the phone just to keep them from charging me a monthly fee. I will like them to refund me the money that I had in this account, permanently close this account, and stop any more fees from incurring.
|
| 06/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
started XXXX with the first notice from Fifth Third Bank. l explaned up front that l have never used XXXX with their bank. Someone hacked my bank account through XXXX. they withdrew the money from the accts of three banks and a credit card. all funds were given back except for Fifth Third Bank that l am still struggling to work with, but their decision became final, stating that l had to have given them a passcode, of which l did not. they reopened the case a couple times with the same results. ln the beginning they gave me a portion of the money back, putting it into a new acct. and that was taken out of the new account again through XXXX before l could get into my ''new '' checking acct. Everyone l talk to at Fifth Third says that they know that it was fraud, they reopen the case and then l receive another letter of denial with the same decision blaming myself for the mishap. l have tried everything possible without any success. l am still getting phone calls from a fake fifth third bank phone number and they even leave a message! l have pictures of the numerous caller ID 's that show up on my home/cell phone. l have also saved messages. l believe they are trying to get me to answer the phone so they can get back in. When they call it shows up, 5/3 Bank. lf Fifth Third calls from a branch it shows up spelled out. l believe that l answered the phone when the hackers called and that's how they got into my banks through my computer or cell phone. They, as of XXXX, are sending to collections from an ''auto-withdrawal that went throgh.
|
| 02/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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On XX/XX/22 I noticed {$1000.00} of unauthorized charges on my checking account that XXXX negligently did not notify me or stop. Called Fraud Department on XX/XX/22 representative Didnt get all charges and only issued a new card and has the nerve to ask me if I want to pay XXXX $ to have it expedited after this account has basically just been cleared out. I Went to a branch on XX/XX/22 to check for an update and get answers no remorse or answer as to me on why they allowed {$54.00} to go threw XXXX times! And I was told I must wait XXXX Buisiness days to get a provisional credit This is completely unacceptable! And they claim state of the art fraud alerts thats bull. And now I still have not gotten my money back as of XX/XX/22 I called again and was told there is nothing that can be done I have to wait XXXX more days until I see the credit. I will Be closing all my accounts and never use XXXX again. They are XXXX years behind in features dont care about account security and let Fraud happen. Rude agents on the phone and employees at the branchs dont care and have bad attitudes most of the time if you have to call them for any reason expect to be on hold for at least a half hour on a good day just to be told you have to be transferred and you will get a outsourced person the first time that speaks broken English. GIVE ME BACK MY MONEY YOU LET ME STOLEN FROM ME! I have bills to pay!! I can not buy food for me XXXX and XXXX and now will be late on my rent and have to pay fees for the banks negligence! I will also be contacting a lawyer.
|
| 03/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Around XX/XX/XXXX my checking account was hit with fraud and fifth third bank took my s.s. Check to cover the amount that was fraud I went to them and reported and my account was overdrawn because of this they said they couldnt close the account for 3 months so this continues to hope they were using my money and paying a credit card off and I told them and the credit card place and they closed my credit card account but fifth third bank didnt so XXXX fifth third took my money again they would not give me another account so this wouldnt happen again so I went to one of the branches and talked to one of the girls and she opened another account and moved my s.s. Check it was working until I saw that someone deposited XXXX into my old account because it was still open and someone withdrew XXXX so it shows I owe XXXX I asked her who put that much money in my account she said fifth third but she didnt know why so XXXX came and it hit again so XXXX they took my S.S. Check so I talk to another person and see called the main branch and she told me they are closing the account both of them and gave me my s.s. Check back to me week later my account was closed and i cant get any bank to give me a checking account because fifth third bank put a notice to all the banks that I owed them money and thats why they closed my account I went back and talk to the girl and she said because of the account was overdrawn for too long they sent it to other banks this is not turn they overdrawn my account and now I cant get anyone to give me a checking account
|
| 09/26/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have had a XXXX mortgage with Fifth Third Bank since XX/XX/XXXX. The loan amount was {$36000.00}. My monthly payment is {$260.00}. I have consistently paid more than the required amount. I am not delinquent and never have been. To this date, XX/XX/XXXX I have paid over {$27000.00} in interest and have requested repeatedly that the excess amount be applied to the principal. I was advised that interest is charged on a daily basis and that has to be paid first. My loan balance is still at {$34000.00}. My loan payment is due on the XXXX of each month and is considered late if not received by the XXXX. From what I was told from the bank was that even though my payments are received on or around the XXXX, that I am being charged interest for those days prior to the due date (? ). This is a terrible loan product and I have requested that my loan be modified to be fully amortized and was told that they do not do business in Arizona ... but yet, my home is in Arizona. I feel that this bank has taken advantage of me and still continues to do so. Their products are inferior and certainly not for the benefit of helping homeowners. Their lending practices are very unfair and unreasonable. I have asked for help but to no avail. Please look into this bank 's policies and procedures as it does not look good for just everyday working people that deal with this awful bank. Also, I am not delinquent and my interest payments are always on time ( their time ). This is not an interest only loan, although it sure looks and feels like it ... .just awful.
|
| 04/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
on XX/XX/XXXX notified 53 bank about loan extension due to Covid 19, received email back on XX/XX/XXXX, wrote letter per their terms requesting 90 days. on XX/XX/XXXX I wrote again as I had not received an answer, the one week later made phone call go branch office, could not get through on the phone number they posted. girl who answered apologized and said if I got a response I was OK, not to worry.
XX/XX/XXXX I finally get a letter stating as shown below : " We have submitted your loan request for our 90 day payment deferral, with no late fees payment application. Deferred payments will be moved to the end of your loan and your maturity date will be extended three months. '' then I get a letter today dated XXXX stating I we late fees, and it will effect my credit. checking my FICO it fell 26 points! I have had no problem with other accounts, only these guys. so I wrote again today, see attached : " what is this XXXX about charging me a late fee and showing a late payment? I first contacted you on XX/XX/XXXX, not my fault you are the only ones overwhelmed. Please restore my payment history to no late payments, and credit my account the userous late fee. I am very disappointed in your service, is this how you treat Americans in a pandemic? Please note in paragraph two above no late fees! You also say no further attention is needed than I get an letter from you making me sign an agreement. call me XXXX ASAP! '' my FICO fell 26 points from XXXX to XXXX!
thank you, I am sure I am not the only one they lied to!
XXXX XXXX XXXX XXXX
|
| 05/04/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XXXX/XXXX/15 - I attempted to make a mobile check deposit to XXXX from my account at XXXX XXXX. I received an error message and made XXXX additional attempts. XXXX online app indicated none of the deposits were made because their system was having problems, when in fact, all XXXX checks were deposited, XXXX with the same check # - all totaling {$7000.00} ( a deposit of {$3000.00}, XXXX of {$2000.00} and XXXX more for {$2000.00} ). That afternoon - all checks posted to the XXXX account and I immediately called XXXX the next day. XXXX rep was rude, put me on hold, and then informed me that only XXXX of the {$2000.00} deposits would be reversed and it would take 5-7 days. I received a letter dated XXXX/XXXX/15 from XXXX stating that the account was adjusted in the amount of {$2000.00}. The funds were not returned to XXXX - even though past the 5-7 day mark ( XXXX - XXXX ). I called XXXX on XXXX/XXXX/15 - the rep told me the money was 'in limbo ' and that they discovered the mistake ( Wrong - I called them! ) and that I would need to contact XXXX and give them a case number to retrieve the {$.00} XXXX did nothing in error - this is a XXXX issue, and stemmed from their system having performance problems. So now, not only am I out of the use of my {$2000.00} for the past several days, but I have lost interest on those funds and use of those funds to pay a credit card, so there might be interest charges accruing on the credit card I would have otherwise paid with this {$2000.00}. I want to note I have had repeated problems with XXXX.
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hi, I have multiple credit cards with Fifth third bank. I have alerts set up to email me when I have a statement or bill payment due. One particular card I have with fifth third that is set up with alerts was reported as a late payment. I never received a statement from Fifth third or an alert that there was a balance. Either by regular mail or email. I have offered to show Fifth third the search history for that card in my email and they seam to be uninterested in resolving. I currently still have this account set up with alerts and have confirmed with Fifth third but yet to this day i don't receive any statements in any form from them. This is a rarely used credit card and it was used by accident or this issue would not have been found. I have 2 cards with similar names on them. One is used often the other in question rarely. I can them to send me a statement in any form automatically. I have 4 cards currently with Fifth third and I receive the statements 3 monthly. Not the XXXX. These cards statements do show up with the last 4 digits of the card in the subject line. I have called and spoke to many different people at Fifth third and get a different answer each time. They do acknowledge I have alerts set up correctly bt cant explain why I dont recieve statements. Each person claims they will call me cback and it never happens. I have never had a late on any credit report andthey are reporting me as late. This balance was paid off when i found out. I want this late remoeved from my credit report. that is all I am asking for.
|
| 07/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
Older American |
|
The Fifth Third Bank, in collaboration with the " XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, have been forwarding and or have distributed fraudulent info, in the data bases, of all national Banking Financial Institutions, in America, in an effort to stop or discontinue me from applying for a new account, savings, checking, or otherwise. The Fifth Third Bank, has alleged that I have several Overdrafts, on my checking account, at acct. no. : XXXX, aba routing no. : XXXX, and other fraudulent usages of the account. Each time I mmake another application at another bank to apply for a Checking, and or Savings Account, the banking representatives state to me that they can not open the account, for the reasons that I owe Fifth Third Bank, {$80.00} Dollars, for a past overdraft! This payment had been delivered to FTB 's Credit Collection Bureau, located in XXXX, Ohio, ( addr. N/A ), I've never had any more than ( 3 ) temporary checks, so there is no possibility that I had any checking acct. overdrafts, which is an excuse to stop me from creating another banking privilege. I insist that Fifth Third Bank, officially correct the fraudulent data info, relayed to the XXXX XXXX XXXX, ( that may be an informal credit bureau correcting agency ), so that I may continue to access new banking privileges, that the Fifth Third Bank, were so insistent on refusing! This is intentional infliction of emotional distress, and I insist that a " CEASE & DESIST ORDER '', be entered against Fifth Third Bank, immediately.
|
| 09/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
On or about XX/XX/XXXX, I asked my bank manager at the 5th 3rd branch in XXXX, MI. to perform a wire transfer to a vendor of mine in XXXX, XXXX. The bank had performed this exact task in the past, with only 1 issue previously. I was not present in the branch at the time of the transfer, and felt comfortable with that because the branch manager was handling the transaction personally and said she could just pull all the information from a previous wire. The monies were never delivered to the vendors bank in XXXX. The wire was for XXXX when the money was not available the following week, both my vendor in XXXX and I began asking the banks where the money was? no one had any answers. I never received any kind of receipt from the bank manager for the wire. when i asked her to send my the info she used it was a receipt from XXXX of XXXX. The bank in XXXX said it looked like there were missing numbers for the intercam bank, according to my vendor. The bank manager that handled the original transaction said she emailed someone and there was no response, she said they attempted to recall the wire, and got no response. then in mid XXXX she finally told me there was nothing more she could do, and I wouldn't be getting my money back. No one knows where my money went, and the bank never made it seem like it was even a possibility my money wouldn't make it to its destination. The bank charged me for a service, then lost my money, and refused to take responsibility for the results. How is this in any way shape or form my liability?
|
| 10/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/2019 I saw a {$140.00} overdraft fee PENDING, so I deposited enough money to make it positive without the overdraft fee. I immediately called customer service and her answer was that I had a {$74.00} overdraft refund last XX/XX/XXXX, so she could not reverse the current {$140.00} fee. I told her that was due to XXXX XXXX charging me twice in the same month for the same service. Management admitted to the problem and I had them on speakerphone with a witness. They later tried to rebuke the statement and said Florida does not allow a witness to overhear conversations. Since I had a XXXX area code he must have thought I was in Florida and I told him I was in North Carolina and they do allow such action. He was taken back. So without the {$74.00} fee she would have reversed the {$140.00}. I also sent an email in explaining that 3 of the charges were from XXXX, a 5/3 product meant to save you money, not cost you money. The PENDING charge of the fee should have allowed me to cover it as I did and that works at all other banks. This is unwise to hide the transaction for a day and then not be able to do anything with it. I took out a cash advance to cover it and that cost me another fee plus high interest. Customer Service just wants to send out some legalize letter to me explaining what happened ; I am not interested. I have worked as a Vice-President of XXXX and know that a policy can be overridden if it is in the interest of customer satisfaction. I am being taken advantage of here and these banking laws are iffy.
|
| 02/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have a credit card and they continue to try to take money from an account I no longer use. I asked the bank to close the account last month and they refused. I have called several times to dispute the charges with the last call being today @ XXXX. I have asked the credit card company to show me in the card agreement where it says they have permission to attempt to take money multiple times and no response from them either. The credit card company has been trying to take money multiple times a week since XXXX XXXX, XXXX. I have tried many times to stop it to no avail from the card company or the bank. After the call, I tried to chat with the bank only for them end the chat on me. The credit card company has attempted to take {$100.00} on all of the following XXXX, and XX/XX/XXXX. They attempted to take {$190.00} on the following XXXX, and XX/XX/XXXX. The bank is not covering the amounts and then turn around and charge me {$37.00} every single the credit card company tries to get money from the account. I have tried to dispute the charges multiple times and the bank will not allow me to do it. So they have charged the {$37.00} at least 6 times and that is {$220.00} they are trying to get for free. I have tried to resolve this multiple times only to get nowhere with the credit card company or the bank. This is not right for a bank to continue to do this to their customers. I have told the bank at this point they refuse to help stop the credit card company from trying to take money, so refuse to pay their " fees ''.
|
| 12/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
On XX/XX/2021, a fraudulent check was deposited through the mobile XXXX app. The amount was on {$2500.00}, and my signature was forged. On XX/XX/XXXX, I noticed two XXXX transactions, sent from my phone number, amounting to {$2000.00}, which I reported almost immediately. I asked Fifth Third to stop my account, dispute the charges, and figure out the issue. The two XXXX payments were completed, and when the noticed fraud check was returned, it left my account at a negative balance of over {$1600.00}. After almost two months of constant investigation, my plea was denied, due to the fact that a " one time pin code '' was sent to my phone, warning two XXXX payments were going out to an unknown email. I was part of a data breach at XXXX XXXX and XXXX, in XX/XX/2021, which may have resulted in my phone number and personal information being hacked. Realizing this, I sent all proof of documents through their email, which proves that my phone may have been hacked and my information has been definitely exposed. I bought a new phone, changed my passwords, and await for an answer, and have also filed a police report in the location the one-time pin code was sent. I am a college student, have scholarship funds I placed in my checking account for school ( which were stolen ), and have been a loyal customer. I just want my stolen money back, and make the situation go back to its normal self. I am now limited to paying school fees due to the fact that money was taken out unwillingly, and Fifth Third is not resolving the issue.
|
| 05/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
XX/XX/23 XXXX am I received an email that a XXXX transaction from XXXX had occurred. Immediately on the morning on XX/XX/23 I took the time to call XXXX and inform them that it was not my transaction and start the process of shutting that card down and filing a dispute. The individual shut down my card however, told me he could not assist with my dispute, I had to wait for the item to post and then call XXXX.
XX/XX/23 XXXXXXXX pm I finally took time out of my busy day ( XXXX ) to call the number provided to file my dispute. However, the process was not as easy it sounds, after trying to verify myself in their phone system and then speaking to XXXX individuals, who it was not their job and they needed to transfer me, it took XXXX plus minutes and I gave up.
It sounds silly to file a dispute for XXXX cents and to file a complaint with the CFPB over XXXX center, but I have to wonder if they treat all of their XXXX XXXX claims this way, do they make it difficult so you just give up.
Well I am giving up and the XXXX cent experience is costing XXXX a customer. You see my money sits there earning very little interest ( in todays rate environment ), so my next move with XXXX will be a visit to a local branch to close my accounts and move them to a bank with an attractive offer. Had my XXXX cent experience been a pleasant experience then my accounts would have remained there costing them very little interest. I know I am not their " BIG '' depositor but I do talk banking in my circles and I will share my story.
|
| 03/30/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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In XX/XX/XXXX, I received a XXXX IRA check from my employer ( {$170.00} ) so that I can place it into a XXXX IRA account at a broker. I went ahead to choose Fifth Third for that. I went to the Branch in XXXX XXXX, FL and let the know that I want to open a XXXX IRA account to deposit the check. I had the IRA Contributions form my employer gave me and the check. It took nearly 2 hours to do since the bankers didn't know how to do it. When they did it, I asked for the XXXX IRA account number so I can give it to my employer as requested. The following year in XXXX, I was given another XXXX IRA check ( {$550.00} ). I moved to XXXX, so I chose to deposit it there. They also didn't know how to do it and it took 2 hours again. The banker said they have to close it and reopen it with the total amount because the previous bank " set it up wrong ''. I became suspicious if it was even working. And wondered more about it. This third time ( XX/XX/XXXX ), I am back at the XXXX XXXX XXXX and to deposit my third check ( still in my possession ). But this time I asked if I really am in a XXXX IRA. They would not answer the question. They tell me I can not deposit because it's not allowed to deposit into a CD. I said it's not supposed to be a CD. And the banker gave me an attitude. He said IRA can be a CD or XXXX XXXX. I got upset. I don't know much about IRA till recently after counsel. But I called Fifth Third Broker number and they said I do not have an IRA account. Two years of retirement savings opportunity down the drain.
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| 05/19/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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I opened an account with Fifth third bank, XXXX XXXX, XXXX in XX/XX/2010. When I opened the account, I was told by fifth third bank that this is a free account and I don't have to pay any monthly or annual fee. Things were working great for almost four years. After four years, I moved to small town in XXXX, Where they don't have fifth third bank. Therefore, I had to open an account in different bank. I was trying to close my account and take all my money out, before I move out from XXXX XXXX, XXXX. I called their customer service and they convinced me to keep open the account. It's safe to have two bank accounts. They also confirmed me that there won't be any monthly or annual fee, Since I have been their customer for 4 years. I kept open the account. Last week, I received a call from fifth third bank and they told me I have negative balance on my account. I told them, when I left XXXX XXXX, XXXX, I had approximately {$3000.00} on my account. How could it be negative? They told me, I was being charge their monthly service fee of {$11.00} every months. Two days later, I called their customer service and they hung up my phone three times. Third time, I was able to talk to their supervisor and he said he can only see my account history for last 12 months and there is nothing he can't do refund money. I asked him whether I could talk to their upper management and get this issue resolved. He said he's not going to brought up this issue to upper management. Then he hung up. I'm extremely shocked and disappointed.
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| 03/12/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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Fifth Third Bank, XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX. I as a new customer to the bank visited this branch to open a new checking account. Fifth Third is now offering a {$250.00} promotion bonus new account opening with terms and conditions with a qualifying account. I did all the research on available accounts to choose. On Wednesday, XX/XX/2020 I went opened an account named Free Checking that has no minimum balance requirement. Its the best one for me to choose to avoid any fees. I spoke with a Rep, her name is XXXX XXXX XXXX to open the new account. I made it very clear to her, I wanted the Free Checking account. And not the one called Essential Checking which has minimum balance requirement and monthly fees. She assured me that I was set up with the Free Checking account. This was not the case, she lied and as I was sitting at her desk. She purposely opened the account named Essential Checking without my acknowledgement and authorization. Receiving an email from 5/3 corp telling my new account Essential Checking is opened. I showed her the email on my phone. And she said its worded wrong and don't worry about it. I was told from her I was all set, and she did not give me any documentation of the new account I have. She purposely lied and gave me a account I did not want. I drove to another branch in XXXX, Michigan and asked the manager what exactly account do I have. I was told the Essential Checking. Furious I was of the corrupt behavior that I was lied to. The manager there closed my account.
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| 08/05/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I started with this bank roughly two months ago. I used it for a couple of days, then a few weeks later, I was unable to access my account. I called the company, informed them about the problem. I was then transferred to the fraud department, and verified my information. The representative was rude, and told me that I had to go in with my Identification card to a local branch to resolve the issue. As told, I went to the branch, sat down with a manager, and he spoke with the fraud department and I as well, account was cleared. I was able to access my account for about twenty minutes, until I received the same error as before, " invalid login ''. I contacted the fraud department again, plead to them that I already went through the process of verification with the fraud department. I told them I run a business, I was told I could n't use the account for commercial use. In order for me to reactivate my account, I will have to be investigated by the fraud department. I transferred money from an external account as well as used, XXXX, for my clients. They indicated it as FRAUD. There is no fraud on my account. The claim was submitted on X/XX/17, and I was told that an investigator will contact me regarding the freeze/hold on my account within 48 hours. NO ONE HAS CALLED YET! I called them twice, spoke to customer service department, transferred to the Fraud department and get hung up on. Holds up to thirty minutes. Just not fair. It has been almost two weeks with no contact, and a lot of my funds are in there.
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| 04/08/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I am a XXXX yr old female in XXXX, Nebraska going through a divorce and opened an account in matrimonial site XXXX. A person named XXXX XXXX XXXX contacted on website and later texted on XXXX. His phone number is XXXX XXXX XXXX. He said he is an architect, widowed and has a son in XXXX. His son also contacted me from phone number XXXX XXXX XXXX saying his Dad asked him to connect with me. After few days he said he is going to XXXX for an ongoing construction project where he is getting millions of dollars back. From there he said he needs money because he got stuck with the materials at port need to be shipped and company is not sanctioning money at this stage because the project is not completed. He begged for help and asked for a temporary loan to wire transfer to his friend in Florida XXXX XXXX on his Fifth Third bank account number XXXX in Ohio. I did send wire transfer from my bank XXXX XXXX XXXX XXXX XXXX {$50000.00} on XX/XX/XXXX. After that he kept asking more and more facing more issues and I sent several other transactions from my XXXX XXXX XXXX total of {$71000.00} wire, plus {$3000.00} by XXXX XXXX Tracking Number XXXX XXXX XXXX on XX/XX/XXXX and {$1000.00} XXXX XXXX cards for his son.Total money lost is {$120000.00}. On XXXX, he was planning to be back and return money, he did not show up. I suspected fraud and informed my banks and police. His friend XXXX whose number is XXXX contacted and said that he is sick and admitted in a hospital in XXXX asking for more money for his hospital bills.
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| 07/31/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I attempted to close my account and have the money in my accounts returned to me and 5th 3rd continued to allow me to be charged by accounts they reversed the charges for. I have stated that I do not want the Identity Alert service since XX/XX/XXXX and I have continuously have been charged. I explained that their credit reporting is not close to being accurate and stated that they have violated the Fair Credit Reporting Act. I received a letter stating to call XXXX XXXX and she told me she will look into my claims on XX/XX/XXXX. I followed up the next week she told me that I never had a discussion with her. She later called and admitted she made a mistake. I asked what progress was made in resolving this matter. She indicated that she or 5th 3rd has n't done anything to research my account as promised in a timespan of a entire week. I asked why am I still being charged for the Identity Alert service and she advised me to call the toll free number. I told her that I 've tried that already and I got the run around. I included that in the complaint that generated the letter for me to contact her. I asked which manager I can speak with since she has n't been helpful and she did not answer the question. I asked how long I have to get this matter resolved without further actions taken against me and she told me XX/XX/XXXX. XXXX XXXX has told me only some of our conversations are being recorded and monitored ; which is a FDCPA violation. The conversations that were recorded will be useful to back up my claim.
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| 02/16/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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On XX/XX/16 I contacted XXXX Bank via the number on my statement and followed the automated system directly to an option to request a payoff. Once there I was placed on a XXXX minute hold. The customer service rep ( XXXX ) revalidated all of my information and then offered to send a payoff via fax or standard mail, no email option available. I provided a fax number and was advised that I may have the payoff in an hour. My new lender requested that the payoff or additional documentation be provided noting that no further charges would be allowed and that the account was frozen/suspended until payoff. This request was met with confusion by my customer service rep who then offered to get me to someone to help. She transferred me after a XXXX minute hold to a licensed mortgage originator who absolutely could not help. The originator said that she could certainly get me where I needed to go placed me on hold and then terminated the call.
Then to add insult to injury when I emailed XXXX to advise of my experience and avoid any more time on hold, nearly XXXX minutes invested into requesting a payoff, my email bounced back as undeliverable. I firmly believe that once I advised that the purpose of the request being for a refinance that the delays and misdirection started. I could not get a straight answer concerning additional fees related to the payoff, any penalties, closing fees, release fees, etc. All information that my new lender will need to properly process the refinance. What a miserable experience.
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| 07/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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We had just bought our truck in XX/XX/2017 and had made 2 payments on it before hurricane Harvey hit our area. We had several leaks in the house so my husband called 5th 3rd bank to see about deferring the payments so we could have some extra money to patch up the leaks. The bank agreed to defer the payments for 2 months XXXX and XXXX. My husband filled out the paperwork and faxed it to them but apparently it was filled out wrong and we were never notified of the issue until after the truck was repossessed the night of XX/XX/2017. My husband contacted 5th 3rd bank on XX/XX/XXXX and got the details about the paper work not being filled out right and because of that they didn't process it for 2 months of deferred payments. The bank stated that if we brought the loan up to current payment status they wouldn't defer the payments for XXXX and XXXX and it would be counted as regular payments for XXXX and XXXX and also it wouldn't be reported on our credit reports. Right away we got the money together to make the payments current and paid the repossession fees to get the truck out. After all that we thought everything was fine. Well we went to apply for a home equity loan last week and was declined because the credit report showed the repossession mark. My husband called 5th 3rd bank inquiring about the repossession mark and they referred us to this website. I would the like repossession mark and delinquent payments to come off our credit reports since we were told it wouldn't be reported in the first place.
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| 04/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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There was a supplemental tax bill that was overlooked when our house was purchased. In the year and a half since we bought this house the mortgage has transferred between three different companies. When it was first transferred to this current company last year, they made an inaccurate escrow analysis and tried to raise our mortgage by a ridiculous amount. After proving that it was calculated wrong the payment was lowered back down.
Now that this supplemental tax bill that I thought was already taken care of by the first lender has been paid by the newest company they are again trying to raise the mortgage by {$800.00} a month. I called them on XX/XX/XXXX to point out that the supplemental tax bill is a ONE TIME charge whenever a house is sold. It is not a yearly charge and that it should not be included along with the county taxes in the new analysis. The representative did not seem to understand and informed me that he would request an escrow analysis since the numbers weren't adding up and that it should be done in 5 days or so.
Two weeks go by and I have not heard anything back so I messaged them online. I was told in the chat that the escrow analysis was declined due to " no changes '' in our taxes. I was not informed about this decision in any way. The chat representative also did not seem to understand about the supplemental tax bill and that nothing will change unless I provide proof from my county of what the taxes for this year will be ( a document that the bank and I both already have ).
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| 09/20/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX, I received notice that my mortgage had once again been transferred to a new mortgage servicer : Fifth Third Bank ( the Bank ) Mortgage Loan Servicing XXXX XXXX XXXX XXXX, OH XXXX On XX/XX/XXXX, I received a letter stating my pin for a " XXXX XXXX XXXX XXXX had been changed. I contacted the Bank at XXXX and proceeded to wait 20 minutes before I was able to speak with someone. After I spoke with one agent, she stated not to worry, that the bank was a " card based, '' bank, whatever that means, and that I had to have a card with the Bank in order to do business with them. This conduct is eerily similar to XXXX XXXX opening accounts without permission. ( See link ) XXXX XXXX XXXX # : ~ : XXXX % XXXX % XXXX % XXXX, XXXX % XXXX % XXXX % XXXX % XXXX % 20 % 243 % XXXX % XXXX % XXXX % XXXX, of % XXXX % XXXX % XXXX % XXXX I did not open a " XXXX XXXX. '' When I asked to close the account, I was told that I could not. I asked for a statement from the company negating their XX/XX/XXXX letter telling me to call in if I did not request a pin. I was told that the company can not provide a written letter. The company has committed fraud in two ways : first, opening a " XXXX XXXX, '' without my permission.
Second, claiming a " XXXX XXXX, '' is the same thing as a " Virtual Card. '' My correspondence discussed a " XXXX XXXX, '' and made no reference to a virtual card. This letter has caused me severe emotional distress because I was not allowed to cancel this card despite requesting more than once.
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| 03/09/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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Web |
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I enrolled in Fifth Third auto bill pay for my mortgage in XX/XX/XXXX or XX/XX/XXXX of this year. I received a letter stating it was active in XX/XX/XXXX. However, that letter did not state whether my next mortgage payment due on XX/XX/XXXX would be made automatically.
Seeing that it had not been made, I manually paid the mortgage the morning of XX/XX/XXXX. On XX/XX/XXXX, I learned 5/3 accepted my manual payment as well as initializing the auto bill pay later that day - effectively paying my mortgage twice. After several waits on hold and attempts to find the right department, I spoke to a customer service rep on Monday, XX/XX/XXXX, who told me she could reverse the auto-bill payment and the funds would be returned in 2-3 days. On XX/XX/XXXX seeing that the funds have not been returned, and my 5/3 online account shows no evidence of anything happening, I called 5/3 customer service again.
On XX/XX/XXXX, I was told that it takes 2-3 days for an internal approval, and then 5 business days for the funds to be returned. My online account shows no evidence that this process has begun and no one I 've spoken to at 5/3 can offer any assurance that it will actually be 5 business days.
Additionally, nothing on the 5/3 online banking site ever showed that auto bill pay was active or what day the payment would be automatically made. I 've asked both customer reps I spoke to about this, and neither could offer any insight. Clearly they were completely unaware what the customer banking portal looks like.
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| 08/13/2022 |
Yes |
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- Trouble during payment process
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Web |
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XXXX Contacted Fifth Third Bank for a copy of my file and requested a copy of the XXXX XXXX. As of XX/XX/2022 have not received the letter. According to Resp 12.U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) | Consumer Financial Protection Bureau ( consumerfinance.gov ) I am in fact entitled to receive the letter. The Qualified Written Request was submitted XX/XX/2022. No response from Fifth Third Bank XXXX Contacted Fifth Third Bank for a copy of my entire file. There were too many inconsistencies from department to department. As of XX/XX/2022 have not received the letter. According to Respa 12.U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) | Consumer Financial Protection Bureau ( consumerfinance.gov ). I am in fact entitled to receive the letter. The Qualified Written Request was submitted XX/XX/2022.
No response from Fifth Third Bank Contacted the XXXX XXXX XXXX, XXXX one of the lawyers from XXXX via email dated XX/XX/2022 to make sure the right law firm was handling the case. The phone numbers match but the address on the Urgent Notice of Acceleration of the Mortgage Loan : Payment Due in Full Does not match. The law firm on the letter is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX XXXX. The email XXXX XXXX XXXX sent me does not have an address only a website www.codilis.com.
Notice not sent of the transfer of my mortgage to XXXX XXXX XXXX. The title company I closed with is XXXX XXXX XXXX XXXX XXXX. I can't tell if this is the original document or a fake.
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| 02/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
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Our Mortgage loan was transferred or sold to Fifth Third Bank XX/XX/XXXX. We have letters from both banks stating that nothing would change except were to make payment. On XX/XX/XXXX we received a request from Fifth Third Bank for proof of flood insurance. We had never been required to have such insurance and we told at our closing on XX/XX/XXXX that we were not in a flood zone. I went in person to a Fifth Third bank with this information.The bank continued to demand we had to have flood insurance. They actually purchased forced flood insurance for us. All the time I kept calling and talking with multiple bank employees. Our realtor also contacted the bank about this matter via E-mail but got no response. I finally reached a bank supervisor who took my information and worked on it for about1 month. We proceeded to purchase our own flood insurance because we could get it cheaper and after faxing, calling, E-mailing and finally sending a registered letter. I received a letter from Fifth Third bank on XX/XX/XXXX stating we no longer needed flood insurance. I am currently in negotiations with the secretary of Fifth Third Bank. I have had months of Frustration They have cost us extra money by raising our house payment by over 100 dollars and charging us for insurance we did not need. I am concerned that this bank doesn, t know what they are doing. If we had not the funds for these demands I don, t know what would have happened! This is our home and If this could happen to us it could happen to anyone!
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| 03/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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I received two separate insurance payments from the insurance company on a hurricane Michael damage claim. The first settlement was for {$44000.00} and a little over a year later I received a second payment on the same claim for {$92000.00} I sent the check to Fifth Third 's ( the mortgage company ) loss draft department via certified mail and they signed for it on XX/XX/2020. On XX/XX/XXXX I made an online request that the proceeds be used to settle the mortgage balance of approximately {$120000.00}. The loss-draft department acknowledged receipt of my request on XX/XX/XXXX as well in an online response that indicated someone would contact me " shortly '' ( I have all of these documents saved ) On XX/XX/XXXX I began calling to find out shat " shortly '' meant. On XX/XX/XXXX the request was forwarded from the loss draft department to the Mortgage Department. Since then on various calls I have been told it would take 3 business days, then 4, then 10 and then finally on XX/XX/XXXX I was again told it would be an additional 10 business days.
During the time between their receipt of my money and their application of it to my mortgage my loan continued to accrue approzimately {$15.00} per day in interest charges. Additionally they held an overpayment in excess of {$7000.00} without payment of any interest for over one month.
It is my opinion that the delays in this case were excessive and that the institution attempted to profit by intentionally inordinate delays in internal paperwork processing.
|
| 02/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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My car was repossessed by Fifth Third Bank in XX/XX/XXXX. I paid the balance of {$1000.00} which was to cover {$270.00} for the repossession fee, {$270.00} in past due payments, {$200.00} for my XXXX installment payment, and {$90.00} in late fees. I paid the bill in cash to my local branch in XXXX, TN. However, I still received a bill for my XXXX installment loan even though this should have been covered by the {$1000.00} I paid on XX/XX/XXXX. After contacting the loan department and being transferred to three different people who said I had been transferred to the wrong department I learned that the {$1000.00} had been applied to my principal only and not to the late fees and repossession fee as was indicated. I asked them to fix the payment to which I was told I had to call back the next day in order to speak with someone from the collections department who could fix this issue. In addition to this issue I still have never gotten an answer from the bank as to why I have a {$310.00} late fee that shows as a Check Loan Bill on XX/XX/XXXX even though at this point I had never missed a payment. I have been to two branch locations, talked with two managers, one bank representative, and countless people on the phone. None of which have been able to tell me why the Check Loan Bill occurs on my account. It is now 19 days since I was originally told someone would look into this issue and give me a call back and I have received no communication whatsoever about the reason this bill occurs on my account.
|
| 07/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
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Web |
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Doing a refinance expressed our need to have appraisal done to drop PMI and signed off on a full appraisal at {$530.00}. We were not notified until after appraisal was done that they ordered a drive by and appraiser did not even get out of car. Expressed our concerns with the bank and were told to wait and see what came back. The report that came back did not properly represent our home. The bank told us to contact the appraiser. The appraiser told us that he was told not to even pull in our drive way, also said it was ver hard to pull comps on country homes and he would be happy to come out and do full appraisal as he does these all the time. We requested that from the bank they denied and said they would not budge. We now have to go with another company so we can get a full appraisal to accurately value our home. If we are paying for the appraisal why weren't we informed it wasnt going to be a full appraisal. we have to pay for another appraisal with the new lender since a drive by is not recommended by them. I would like a refund for the application fee as we would not have went with them if we knew that was how they were going to handle the appraisal. I was promised a call from management only to never receive one. I found out to that they waited to auto deduct XXXX XXXX mortgage payment and it is now showing as a late payment on my credit history. I called to Express my concern and was told they would look into it. this is unacceptable against my perfect payment record on my credit score.
|
| 04/27/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated committed crime not paying
|
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Web |
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I was originally contact by a blocked number on XXXX/XXXX/16 who advised me I was being summons and to give them my updated address when I refused he advised I needed to call XXXX XXXX law firm, to discuss matter. When I called I spoke with " XXXX '' who stated I owed XXXX for a 5/3 account that originally had a balance of XXXX but he is asking for XXXX. When I asked for more information on who they were he immediately got rude with me. He stated I 'm not a collection agent I 'm a lawyer. He never provided me the attempt to collect a date verbiage. At this point I was fearful and under extreme duress. He stated this is a criminal offense and if you do n't pay today we will see you in court!. At this point I begin to feel threatened and uncomfortable with the situation. He than told me to find some resources and call him at his personal line which was XXXX. After I got off the line with him I contacted 5/3 bank who stated they had no clue who this company was but advised me the debt was only XXXX and was sold to another company .. I also pulled my credit, and I noticed that my credit was pulled on XXXX/XXXX/2016 by them. After making numerous calls to different companies I received XXXX voicemails today from this said XXXX at XXXX legal again harassing me saying he is the only person that can help. As I m typing this complain I received a call from XXXX XXXX XXXX, CA someone who stated that again this is a criminal offense because of the amount and that the charges would be dropped if I pay XXXX
|
| 03/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a call this morning that I had a debt owed to Fifth Third Bank in the amount of {$940.00}. I closed my account in XXXX. Apparently my debit card was used for {$560.00} after the bank account was closed. I think someone committed fraud on my bank account as it was not me. Fast forward to today they called me at XXXX am and said I had till XXXX pm today to settle the debt or it would be escalated to the attorneys for civil litigation and restitution. I went to the bank and the manager said they had no record of me owing them anything. I called the collection company back and asked for proof and they would not provide any other than a letter stating I owed the debt. I was not provided any chance to dispute the debt. Also they stated the debt was turned over for collections in XXXX ( 6 years after I closed my account ) and was still within the statute of limitations as it was within 10 years of the write off. How can they come after me for supposed money I owe them 13 years after I closed my bank account? They stated if I wanted to dispute it I would need to hire an attorney and then I would be charged attorney fees on top of what I already owed them and they would be escalating it by the end if the day. The collection company was XXXX XXXX XXXX out of XXXX Delaware. I had never heard of the 13 year old debt before today and was given XXXX hours to decide if I wanted to pay it or would be taken to court. Is this fair? I feel like it is not. Please any help understanding this would help.
|
| 10/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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My mortgage loan # XXXX for property located at XXXX XXXX XXXX XXXX XXXX NJ XXXX properety Block XXXX XXXX XXXXXXXX tax account XXXX was trasferred to Fifth Third Bank. After that Despite being current with mortgage payments. The I have delinquency on my real state payments with the city of XXXX tax collector. I have been strugling to resolve the issue but each and every communication with fifth third their representatives have not made any serious diligence to resolve the issue and instead they have stated that my mortgage is current. After providing all information they have refuse to provide a payment evidence for real state taxes and hazzard insurance at current moment my property taxes are delincuent with about XXXX on penalty interest accumulated. The city of XXXX have provided records that shows not payments made for the entire year 2022. My home insurance policy with XXXX XXXX was never pay by fifth third neither fifth third have provided any evidence of the destiny of the escrow funds, despite several phone calls and online engagement. I find this mortgage servicer to be at best incompetent and at worst a conspirator to create this situation. They have done not decent effort to correct the situation and I have requested the escrow account to be terminated .I have requested that they pay the interest and penalties as per their legal obligation .I request the return of all the funds that they escrowed tor insurance and taxes so I can take care of those payments by other reliable mean.
|
| 06/15/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
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Web |
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Established a business checking with 5/3 Bank XX/XX/XXXX-recommended by 5/3 to sign up for credit card processing. Was told by 5/3 account was declined. For 2.5 years 5/3 branch staff never admitted they knew what the abbreviation on my statement was for charges of {$140.00} monthly for XXXX ACH billing were. In XX/XX/XXXX returned to branch again regarding fees. Was advised to open a merchants acct thru them. Their rep advised me when she came out & I ask her about the abbreviations, she called & learned I had already a merchants account. That had been in place since XX/XX/16 which cost me! XXXX monthly. Never received a credit card terminal, never received 1 billing statement. Was advised I had a open acct with XXXX now XXXX. I must contact them directly to resolve receiving my refund request for mothly fees. As we have our Merchant processing thru another company along with a terminal, we had in place already when starting new relationship with 5/3. Again never received any equipment, no contract, no monthly statements. After 15 days allowable processing time required, still havent received any refund we calculate 30@XXXX= XXXX. Today was the agreed date for restitution and or explaination on there plans for resolution. Cust service rep stated the notes indicate their intent to refund {$250.00} but the back office hadnt signed off on it yet. This is major fraud. Please assist in anyway possible. Ive contatced 5/3 on sevral levels along with their processing company XXXX now dba XXXX.
|
| 08/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
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Web |
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I disputed two charges in XX/XX/XXXX on two credit cards amounting to {$14000.00}. Fifth Third Bank continuously refused to chargeback the amounts. Per their policy, I went to arbitration on XX/XX/XXXX, I learned that I WON on XX/XX/XXXX. Fifth Third Bank is refusing to provide me the award amount. They are insisting that I provide a w-9 for a refund/chargeback which is inappropriate. I explained that this is not money being paid to me, but a return of money, therefore their request for a w-9 to then send me a 1099 for tax purposes, for a refund, is inappropriate. First, on XX/XX/XXXX, their attorney said it was not for tax purposes, but a requirement in order to " cut '' the check. I explained to their attorney that the purpose of a w-9 is to " pay '' self employed and/or independent contractors money ( which is not me ). On XX/XX/XXXX, Fifth Third Bank attorney then admitted it was for tax related purposes and Fifth Third Bank would not be sending me a check without receiving the w-9, which is a tax related form which does not pertain to me.
Fifth Third Bank should refund/chargeback the money the way they would any other way for a refund/chargeback/credit payment and issue me a check without requesting a tax document which is not relevant to me.
First Fifth Third Bank refused to follow their policy and refund/chargeback the amount, and now they are trying to circumvent their responsibility of issuing it as a refund/chargeback by requesting a IRS document that is not relevant to me.
|
| 01/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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|
I received an offer from Fifth Third Bank to open a checking account, make a deposit of {$1000.00}, maintain a {$1000.00} balance for 60 days and in a reward bonus, I 'd receive {$200.00}.
I opened the checking account at the XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX with a deposit of {$1500.00}. That met the first criteria of meeting the {$1000.00} deposit threshold.
I have maintained the {$1500.00} average balance from opening date of account ( XXXX XXXX, XXXX ) until today ( XXXX XXXX, XXXX ). This meets the final criteria of maintaining a {$1000.00} balance for 60 days ... .as I 've maintained {$1500.00} for 103 days.
I opened the account with XXXX XXXX, Vice President, Financial Center XXXX XXXX and she assured me at account opening that she 'd handle my bonus.
I stopped into the XXXX XXXX XXXX on XXXX XXXX, XXXX to inquire about my bonus and spoke with XXXX XXXX, Personal Banker II and he agreed that I met all requirements and that my bonus should hit within the next week.
Seeing no bonus, I stopped again into the XXXX XXXX XXXX on XXXX XXXX, XXXX and again spoke with XXXX XXXX. He remembered me, mentioned that only XXXX could actually do the bonus and that she 'd been away on vacation, but he made a note in the system for XXXX to follow-up on XXXX XXXX, XXXX ... her first day back into the office.
On XXXX XXXX, XXXX, XXXX XXXX sent me an email saying that he spoke with XXXX and that she 'd be reaching out to me soon.
Fifth Third Bank owes me my {$200.00} reward.
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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|
Recently, I did an investigation on my credit report which has caused severe XXXX and XXXX upon me, and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct.
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
On XX/XX/XXXX The credit bureaus stated Fifth Third Bank account # XXXX was properly investigated and came back as verified. However, how is that true when there are several inaccuracies showing on my report. With that being said, the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.
Below is a list of inaccuracies on Fifth Third Bank account # XXXX Inaccurately opened account dates : XX/XX/XXXX and XX/XX/XXXX Inaccurately date opened balance : {$240.00} and {$200.00} Inaccurately last reported on the account date : XX/XX/XXXX and XX/XX/XXXX Inaccurate date of last payment : XX/XX/XXXX and XX/XX/XXXX Inaccurate date last active : XX/XX/XXXX and XX/XX/XXXX Inaccurate monthly payments : {$35.00} and XXXX
|
| 01/27/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
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Web |
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Fifth-Third bank had sent me a letter ( attached ) demanding that l sent to them the sum of {$1800.00} to update my loan file and bring it current by XX/XX/2017. l complied with the request, sending in {$1900.00} not minding that the company has no basis for their demand because l have series of payments in the amounts of {$430.00} ( usual mortgage payment for {$420.00} PI and additional {$9.00} for principal reduction ) and {$500.00} ( escrow ) sitting unapplied on my accounts. WhatThis check was returned to me with letter ( attached ) saying that it was not enough to off my loan. had happened was l was late on my taxes and the bank paid it but when l started getting more than double the amount of my mortgage because of this escrow gauge, l had called and spoke to one of the reps who told me if l wanted to pay off the escrow, all l needed was to bring in about {$3400.00} once. Also when l got this letter l had called the number given to me on the letter over and over and could not get connected. l made frantic efforts to reach the customer service number XXXX, up to 4-5 times, none of the people l talked to could help me either. Sometimes, the machine will attempt to connect me to the right department but it did always end up cutting off ( dropping ). Frustrated, l took my case to the branch where XXXX ( XXXX ) told me the escrow balance was {$2400.00} and I gave him the check right there to pay it and advice the right department to apply it to liquidate my escrow. This is in addition
|
| 12/07/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
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Fifth Third Bank continues to charge me frivolous late fees, despite the fact that my bank, XXXXXXXX XXXX, sends them my mortgage payments on time each month through XXXX. Since this past XX/XX/2023, Fifth Third Bank has charged me XXXX separate late fees of {$50.00} each time, and has refused to waive these fees on request.
XX/XX/2023 Late Fee.
Fifth Third Bank falsely claims that I was late on my XX/XX/2023 mortgage payment, claiming that the payment was not received until XX/XX/2023, and charged me an erroneous late fee of {$50.00}, which they are refusing to reverse.
My mortgage payments are made through XXXXXXXX XXXX XXXX XXXX, which ensures that my payments are received before the XXXX of each month. Upon checking with XXXX, their records show that Fifth Third Bank received the mortgage payment on XX/XX/2023.
XX/XX/2023 Late Fee.
Fifth Third Bank claims that I was short on my mortgage last month, and claims that my escrow was short, resulting in a {$6.00} shortage. I had XXXX send Fifth Third the full escrow shortage amount to avoid an increase in my monthly bills, in addition to my regular bill amount, so there should not be any shortage amount. Despite having paid the full shortage, Fifth Third Bank claims I was still {$6.00} short last month, and uses this as an excuse to charge me a {$50.00} late fee.
I think what Fifth Third Bank is doing should be illegal and should be investigated into.
Thank you kindly for your consideration.
Respectfully, XXXX XXXX XXXX
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| 08/04/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Fifth-Third bank owns Dividend Finance. Dividend Finance is using fraudulent forged documents to pursue money from me and my wife. They illegally drafted money from my checking account. I never authorized anything with them. In XXXX of XXXX my XXXX veteran wife and I applied for a solar loan with a representative in our home, on our WiFi. We never used his laptop. Neither my wife, XXXX XXXX, or myself ever saw any loan information or agreed to any loan terms. It was strictly to apply. We had no reason to believe this person was lying to us and trying to defraud us. My wife did not sign the loan XXXX, I did not sign the loan XXXX. The only person filling out the loan information was the sales representative. My wife made Dividend aware as soon as she found out fraud had occurred. It was never investigated, Dividend used the forged documents to state the loan was valid and an excuse of " answered questions ''. I was there, he did ask us questions and we both answered we thought it was part of the loan verification since both of our credits were supposed to be frozen. It turns out that my wife 's XXXX file only was not frozen due to XXXX error which she is dealing with. That is why it does not appear on all three credit bureaus or on my credit report because the sales representative took both of our information and we honestly did not even know until later about it not having both of our names. We were defrauded. Dividend Finance was informed and has not completed a fraud investigation.
|
| 04/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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Fifth Third Bank : I had a credit card account that was closed in 2019. Ive tried to get my account number to do a balance transfer to another company. I threw my card away when I closed the account. Account number not on statement, not online, and I asked if I could reopen account to get a new card sent and they would not do that either. Since I couldnt get my account no., I was going to pay off card. I called this weekend and was told I could make a payment over phone. They were ready to take my payment when they thought I was going to make the minimum payment. When I told them I wanted to pay it off, there was always a problem. I was told the system was doing an update, told I couldnt do it over phone because account was closed, put on hold and nobody came back, hung up on, and even transferred to someone and I asked if the system was down and she said it was not. She took my information for payment and when I asked for a confirmation number, she put me on hold and the line was disconnected. I called today and was told much of the same things, I couldnt make a payment because the account was closed ( even though I have in the past ). I was transferred to multiple people. One guy was even laughing when he answered the phone. Finally, I was transferred to someone that took my information. She gave me a confirmation number, but I am not confident it will go through. Its as if they dont want you to pay off your account to keep collecting interest. Worst company I have ever dealt with.
|
| 08/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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On XXXX I made a reservation through XXXX with a payment of XXXX. I selected my reservation dates of XXXX through XXXX. When I received confirmation, days were taken off of my reservation. I tried contacting the host and the response I received was " the days I want are not available ''. When I made the reservation online the dates were available and selected. On XXXX I opened a dispute/chargeback with my card company. On XXXX I received an email from XXXX stating THEY cancelled my reservation and would provide a full refund due to the reservation not being legitimate. XXXX disputed the chargeback from my card company and won the dispute. I have contacted XXXX countless times about this refund I was promised and they are now declining to work with me about this issue. I have documentation stating they cancelled my reservation and have promised a refund on numerous occasions. I have sent all documentation to XXXX they wanted to try and solve this but they are not responding to me now and I get disconnected when I call them. I opened a claim with XXXX and it is now closed because XXXX will not contact me to try and resolve this. My bank/card company is not helping me with this matter either. They keep telling me they are not receiving the information they've requested. I have sent them all documents via mail and email on multiple occasions. When I call them about this issue they claim there is no one I can speak with to resolve this issue. My card is through Wisely pay card services.
|
| 08/07/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
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|
XX/XX/2018 I called XXXX XXXX concerning my first Mortgage statement. I'm a brand new Mortgage customer at XXXX XXXX. I noticed a discrepancy with my first Mortgage statement so I called my Mortgage Co Customer Service Department and the Customer Service Rep was polite and courteous. After I explained my issue to her she was unable to resolve my issue and transferred me to her Supervisor at my request and that's when the problem began. I could tell that she was not a Supervisor just by her tone and the way she answered the phone. She was very RUDE & GHETTO. She was unwilling to assist or listen to what I had to say. She just kept repeating the same thing over and over again. Indicating that there was nothing that she could do for me at this time. I had to take a deep breath and count to 10 because I was about to go off on her, but I didn't. I informed her that I could not pay this amount on my statement and she transferred me to the Mortgage Assistance Department which was closed for the day.
If this is the type of service that I can look forward to I can't wait to refinance or to have my Mortgage sold to another Company. I know that there's a current Lawsuit or one coming soon and I can't wait to jump on that band wagon. No one needs to be mistreated and treated like a number. She made it seems like I was bothering her, but she forgot who pays her salary. My Issue was never resolved so I'm stuck with this high payment. So I guess my other option is modification or bankruptcy.
|
| 03/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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|
On XX/XX/XXXX I open an Checking account with fifth third bank by calling their XXXX XXXX number. It was fifth third banks bonus offer of {$200.00} on new checking account which got me in.
According to the bonus offer on must apply for 16 digit offer code and present it while opening the account. I applied for an offer code using my email Id and without fail gave it the representative who was helping me open account, while before hanging the phone I dually make sure with her that my coupon is applied, she affirmed.
The offer needed me to do a deposit of {$500.00} or more and keep it into account for atleast 60 days which I did. I deposited a check of about {$750.00} on XX/XX/XXXX and kept it in my account well beyond 60 days.
Fifth third bank in their bonus offer had promised to deposit the bonus into account within 10 days of meeting the eligibility.
I saw nothing was deposited even after a month of being eligible of bonus. So finally on XX/XX/XXXX called fifth third banks telephone helpline the representative their told me offer was never been applied and there is nothing that she could do about it. On being confronted with the fact that I have given offer code and dually made sure with your representative on the day of account opening, she just say I understand and keep repeating herself.
I have been cheated and made fool by fifth third bank, I want responsible government agencies to take notice of fraudulent and unethical business practice employed by fifth third bank.
|
| 04/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2021 approximately XXXXXX/XX/XXXX EST. I transferred money from my 5/3 express checking account to my 5/3 mortgage account. A week or two later my XXXX payment was reported to my credit as 30 days past due. I called 5/3rd bank who verified my payment was transferred on XX/XX/XXXX from my 5/3rd express checking to my 5/3rd mortgage via the 5/3rd online banking. However they stated since it was after XXXXXX/XX/XXXX EST it would not be reported as being transferred on the XXXX because the banks were closed it would be reported the next business day which was XX/XX/XXXX. 5/3rd will not reverse the 30 day late with the credit reporting agency even though they confirmed the electronic payment from my 5/3rd express to my 5/3rd mortgage was made and received on XX/XX/XXXX. The fact that 5/3rd clearly received funds prior to the 30 days and has record of it, but is unwilling to do the right thing and reverse the 30 day late is preventing us from getting refinanced. In addition to this, it shows on 5/3rd rules and regulations that internet banking cutoff time is XXXX : XX/XX/XXXX I made the payment via electronic transfer from my 5/3rd account to my 5/3 mortgage prior to 30 days. All I'm asking is for 5/3rd to do the right thing by supporting their customer and reverse the 30 days late for XX/XX/2021, so we can get refinancing. What happened to making my day a 5/3rd better?
Please help me by doing the right thing. its clear the payment was made prior to 30 days.
Sincerely XXXX
|
| 11/21/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/20, my husband and I applied for an increase to an existing HELOC with Fifth Third Bank, from XXXX to XXXX. On XX/XX/20, we received an email that we needed to provide verification of reserves of {$7000.00}. On XX/XX/20, we faxed bank statements showing the reserves. Even though we showed adequate reserves, we were then told that a statement of other resources, like an IRA were needed. I provided my Thrift Savings Plan statement showing almost {$150000.00} in retirement savings and was told they would review to see if it was acceptable. On XX/XX/20, we followed up to see if any additional info was needed and was basicaly told no. On XX/XX/20, we received the appraisal of our home in the mail, so it seemed everything was in order. Why would the bank pay to have an appraisal done if something was wrong, right? On XX/XX/20, I get a call from my banker telling me that we must now show {$17000.00} in reserves and that my TSP nor my husband 's 401K could be considered because neither of us are XXXX XXXX XXXX ( our retirement accounts total over $ XXXX combined ). We were not told this at any point prior to XX/XX/20. Because we did not have {$17000.00} in our bank accounts, they denied the loan. We were misled to believe that we had what we needed and this loan was going to happen. It took them over 2 months before reversing their decision to honor our loan application. Either the employees involved lacked proper training or we were racially discriminated against, maybe both.
|
| 11/16/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
Older American |
|
I was approached though repeated phone calls for almost a year to refinance my home from Fifth Third Bank. I was initially offered a " special '' refinance product that would quickly and easily drop a percentage point from our present loan with them. After collecting information I was presented with a " better '' option to refinance both my primary and secondary mortgage with substantial savings. I did pursue this option. After signing " loan lock-in '' forms, the time expired. There was no delay in the process on my part, but on the part of Fifth Third bank. I was sent another " loan lock-in '' form post expiration of the initial forms. This new agreement had percentage points and other costs added, which would have amounted to thousands of dollars of added costs for the loan. The interest rate had not changed though and no contact or explanation was given as to the added costs. I believe that most people would not have noticed the added costs seemingly hidden or buried in the paperwork. My opinion is that Fifth Third bank preys on unsuspecting borrowers using tactics such as " bait and switch '' and " shell game '' tactics to entice borrowers, then increasing loan points and costs to the borrower without explanation. This seems to me a dishonest business practice. My wife and I have walked away from borrowing from Fifth Third for the reasons stated. I feel their practice may prey on less educated and other at risk borrowers. The public should be protected from such practices.
|
| 08/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have never been late with a single mortgage payment.
I made my XXXX XXXX monthly mortgage payment on XX/XX/2022.
On XX/XX/2022 my mortgage loan balance became {$71.00}, XXXX.
On XX/XX/2022 I contacted the Bank via chat to advise that I made a payment of {$1000.00} which should be applied to additional principal. The Bank employee responded that the request has been submitted. All screenshot of my conversations with the Bank are saved onsite.
On XX/XX/2022 I contacted the Bank again to advise that I made one more payment of {$1000.00} which the bank was scheduled to receive on XX/XX/XXXX and asked to apply it to additional principal too. All screenshots are onsite.
With these two additional principal payments I expected my mortgage loan balance to go down to {$69.00}, XXXX.
On XX/XX/2022 both payments of {$1000.00} each were posted in my account as unapplied credit by the Bank. I contacted the Bank again via chat to remind to apply both payments to additional principal. The bank employee said that the request has been made.
On XX/XX/2022 my account showed that the Bank applied the funds received on XX/XX/2022 to XXXX XXXX monthly mortgage payment instead of additional principal. As the result of such manipulation by the Bank, my loan balance increased to {$70000.00} instead of dropping to {$69000.00}.
The Bank keeps doing it month after month, and every month we have to go through a reapplication of funds process which delays the application of additional principal.
|
| 06/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem getting a card or closing an account
- Trouble closing card
|
|
Web |
|
|
Repeated rude customer service from Fifth Third Bank and I fell complaint against the bank already has let me to close my accounts and doing cell Fifth Third has kept the savings account open after I requested for it to be closed past it's close day they actually did not close the account until I threatened to file another complaint against the bank then they close that account I finally was able to close my checking account and trying to close the XXXX XXXXXXXX prepaid account the rude Banker who I've had issues with before told me to close the account I would have to withdraw the funds when I withdrew the funds and try to close the account the bank or I spoke with said that the account can not be closed because there withdrawal I made off that card was still pending I asked her why the gentleman that was the teller didn't tell me that and will drawing those funds I would have to wait to still close the account I've waited well over a week now for the account to clear of the small {$2.00} I took out of the account I was told that I could call back into customer service with the XXXX card and have it closed when I called into customer service they refuse to close the card I was bounced around to several different departments and at this point I'm not going to continue going back and forth to the branch and calling the customer service to have this prepaid account open this is the second fraudulent account that the Fifth Third bank institution has failed to close at my request
|
| 04/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have a motor cycle loan with fifth third bank, which was previously held by XXXX XXXX. My loan balance as shown on my statement and my account was {$2500.00}. However I was told my pay off amount was {$5600.00}, with no explanation or breakdown of fee 's.
A vehicle loan should incorporate interest into the total payment and divide it by the life of the loan. Late fee 's where applicable was attributed to the next months payment. I do understand that there could in some instances be early pay off or fees associated with early payment, my understanding is that those typically a percentage of the remaining balance. In this case my remaining balance was {$2500.00}, which couldn't possibly justify a pay off amount of {$3000.00}.
I have not been offered any explanation or breakdown as to what this charge is or could be, rather I have been offered a history of the loan since they acquired it approximately 2 years ago, and theoretical hypotheticals based on interest and late fee 's which make no mathematical sense.
As of today after paying what was my remaining balance of {$2500.00} my account shows an outstanding balance of an identical XXXX, but based on the payoff amount offered today that balance would actually be {$3000.00}.
This feels like predatory lending practices by fifth third bank charging fee 's without explanation or rationale and holding the title to my property for penalties that haven't been explained through 4 customer service calls and management escalation.
|
| 02/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
Name of Bank : First Charter ( initially ) then Fifth Third Bank bought out XXXX XXXX XXXX XXXXt : XXXX XXXX XXXX and XXXX XXXX XXXX Account # XXXX Amount Financed : {$150000.00} APR : XXXX % ( {$61000.00} ) No. of pmts : XXXX ( originally XXXX XXXX XXXX XXXX with Fifth Third ( I was given no explanation for this added pmts. ) Total of pmts : XXXX Date of Loan : XX/XX/XXXX thru XX/XX/XXXX This loan was supposed to be paid off in XX/XX/XXXX. I was originally suppose to make XXXX pmts @ {$1100.00} and to be notified about the amount of the last payment. This should have been in XX/XX/XXXX. I continued to make monthly payments because I was not paying attention and did not pull the original loan papers. Fifth Third sent me a letter on XX/XX/XXXX. They notified me that I would owe a balloon payment of {$41000.00} due to the increase in the prime rate. I was never told about a balloon payment and Fifth Third never notified me of such. As of XX/XX/XXXX I have made XXXX payments even thou I was only supposed to have to pay XXXX. I have met with the bank manager but was not satisfied with the outcome. According to Fifth Third I will have to pay the balloon payment in XX/XX/XXXX. The tax value of the motorhome is only {$7800.00}. I feel that XXXX XXXX nor Fifth Third have informed me of a balloon payment, I would have never agreed to such a thing. There is a waiver in the note giving the bank the option to do the right thing, but they haven't shown the ability to do the right thing.
|
| 03/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I was a current owner of a XXXX XXXX, purchased at Al XXXX XXXX. My current loan was active and up to date, it was an automatic payment set up. I went in for maintenance on XX/XX/XXXX at Al XXXX and was approached by a salesman to up grade to a XXXX XXXX. I agreed to the trade and was told I would not have any payments for 3 months due to the pandemic and they would contact me once they are able to get my loan approved. On my contract there is no loan company and I never heard from the dealership or anyone regarding me being approved for a loan. On XX/XX/XXXX in the early morning I hear someone in my yard, I took a look out my window and see 3 repossession trucks in front of my home. My granddaughter 's white XXXX XXXX was parked right behind my XXXX and one driver pulled her car out the driveway to remove my XXXX from my driveway. I came out and asked the guy what was going on and he informed me that he was here to repossess the XXXX. I asked him how when I never received a payment notice or book or a late notice. I have lived at the same address for 44 years and have never had an issue with getting my mail. This was not the first vehicle I have purchased and I am not one to be late on paying my bills. I have never had a repossession nor did I retire to be taken advantage of. I have a set income and will not live above my means, I would've returned the vehicle if I could not afford it. I have been embarrassed and feel totally violated by Al XXXX XXXX and Fifth Third Bank.
|
| 06/02/2020 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
|
I tried to make a purchase online with my XXXX card but the purchase was declined and a preauthorization was take out for XXXX XX/XX/2020 so that I thought and the app declined my card. So I called XXXX XXXX XXXX and tried to explain what I thought my email stated and the person told me that he seen the the preauthorization for the XXXX and would refund that amount. I was fine with that but I still had the problem of my order getting declined so I asked to speak to a supervisor and got transferred to one. I start telling the supervisor that I was fine with the preauthorization but I had a concern with them not seeing any kind of transactions or any trace of anything on my account but they are taking money from my account without a reason. My second issue is the fact that every where I use my card the put a preauthorization hold on the account. My money is direct deposited every pay day without any type of problem. After I give up on explaining my problem to two different people and either one of them not even attempting to do anything past refunding the the XXXX. Just a little bit later the same day not even a hour later a XXXX preauthorization is emailed to me after I told them that amount and that it was declined. I went and with draw money to to pay for my dinner order. I have a receipt to prove that I paid cash for it and I have both emails with the times, dates, and everything on them. Now I dont know if it will get refunded to my card are if I will even see it again.
|
| 09/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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This started back in XXXX of 2021. We tried to make 3 house payments that month, in order to catch us back up. The first one was made on XX/XX/2021. This was the XXXX payment. ( {$960.00} ) The second payment was made on XX/XX/2021. This was the XXXX house payment. ( {$960.00} ) Late fees were included in the first 2 payments. The third payment made was supposed to be for XXXX. It was paid on XX/XX/2021 ( {$930.00} ) The third payment was applied to our principal instead of being used a house payment. I made several phone calls and finally after 6 months it was resolved and applied to the mortgage. This mortgage lender does not take partial payments. Prior to this fiasco in XXXX, we tried to pay what we could. They are an all or none financial institution. This caused great stress to us, as we were trying our best. I was unemployed for 6 weeks. Their policy is to mail back the amount they received in the form of a check, if it is not the full amount due. It is sent back via the US Postal Service. Therefore, on several occasions, by the time we received the check, cashed it and tried again, we were falling further behind. Our major concern now is that the bank has reported that we had seven late house payments. This is simply not true. I have my online banking statements to back up this reporting. We recently have tried to apply for a mortgage that would involve selling our current home and moving. We were denied due to what Fifth Third Bank reported to the credit bureau.
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| 07/26/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My wife and I refinanced our home in XX/XX/XXXX with XXXX XXXXXXXX XXXX ; MB Bank bought the mortgage and 5th/3rd Bank merged with MB Bank. We were monitoring when we would have the mortgage insurance removed for years. MB Bank told us it would be removed in XX/XX/XXXX. A few months before this date 5th/3rd Bank sent us information telling us they were the new mortgage holder. We contacted 5th/3rd to have the PMI ( mortgage Insurance ) removed by XX/XX/XXXX and continued paying the same premium, as we were told by 5th/3rd Bank, to not cause a default. We were told the excess money of approximately {$63.00} would be returned. We spoke again and were told they would get this information right in and we would hear something in writing in 10 days. After paying XX/XX/XXXX 's premium we contacted 5th/3rd Bank again and were told it was denied because we had to have a loan equity ratio of 78 % and our ratio was 78.5 %. We spoke with a supervisor that told us this was based on an appraisal of {$170000.00} made in XX/XX/XXXX, and that no new appraisals are being accepted. I had an appraisal today XX/XX/XXXX of {$190000.00}.
This appraisal was done without them knowing about the new roof in XX/XX/XXXX, total remodeled bathroom and granite countertops in the kitchen. If I put my house up for sale I would ask {$190000.00}. The numbers are ambiguous, its not right and the PMI should be removed. I have inclosed the original closing document showing the mortgage insurance of {$74.00}
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| 04/09/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American, Servicemember |
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While in the process of selling our home, my wife and I originated a loan process for another home in late XX/XX/XXXX. XXXX XXXX XXXX, at Fifth Third Bank located at XXXX XXXX XXXX, XXXX XXXX, Indiana XXXX, was the loan officer who assisted in this loan process. During this process she repeatedly told us that we could re-amortize the loan after our home was sold. During this process we were asked for a letter documenting our intent to use proceeds from the sale of our home towards the new loan. The mortgage process was closed on the purchased home on XX/XX/XXXX. Our old home sold and we closed on that sale on XX/XX/XXXX. By agreement, we placed {$100000.00} proceeds from that sale towards the Fifth Third loan and requested the re-amortization to lower our loan payment. After a period of weeks and after not hearing from Fifth Third Bank about the re-amortization, my wife contacted the Fifth Third Bank regional office in XXXX, Ohio. My wife was informed by that office that we had a VA loan and it could not be re-amortized. After hearing about this and contacting Ms. XXXX XXXX, she indicated that she had made a mistake and indicated that the loan could not be re-amortized. We asked that the {$100000.00} be returned and that request was denied. As a result of this, we had to re-finance a conventional loan. This refinancing cost us almost {$4000.00} in loan application and closing costs. We appealed for a refund of the application fee and Fifth Third Bank refunded {$390.00}.
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| 11/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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You already have received this information and you ignore these complaints. I have been scammed because your LACK of internal security measures that allowed a perpetrator to receive bank information from one of your account holders and paid this money onto my XXXX account for only to be identified as UNAUTHORIZED.. You have a serious security inside your office and should be ASHAMED of protecting not only your client but the associates that your supposed clients do business with.. As a result of your exposure I have had XXXX or so be paid into my account for a debt that was owed me to only be removed or clawed back days later to perpetrators that were paid prior to these events. In addition XXXX Admitted that there are flaws in the banking system and loop holes that allows perpetrators to scam innocent people like myself.
IF this is not rectified and those monies put back in my account I will pursue legal issues that will show your bank and other banks these flaws that will hurt your company. I am not trying to threaten or hurt the bank, I want the monies put back in my account and you work this out with XXXX. In addition I want to have better security that people are real-time notified of changes to their accounts that would have prevented this from happening and me be out because of these perpetrators XXXX and nearly 1.5 million due to one of the ring leaders. I will expose this to the media which I really dont want to do but I may have to if this is not resolved
|
| 07/29/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had a secured card from Fifth 3rd Bank in the amount of {$750.00}. And I paid my bill with my bank debit card with available funds for the full amount. I go about my normal routine and use my card cause, I paid my bill in full. Two weeks later I look at my statement and they said I owed around {$1200.00}. I call the bank and spoke with a supervisor and they said they would fix them. The bank claimed that that the payment got declined and I owed the full amount plus interest. I told them that I paid with a debit card and they received the money. The bank supervisor stated that it was a bank error and not to worry. I called them today XX/XX/XXXX and spoke with a Supervisor name XXXX ID # XXXX, she was not the person I originally spoke with. I asked her about their procedures when a customer calls in for complaints. And what information does she have on me.I let her know that I 'm upset because she stated she only had one call on file for me on XX/XX/XXXX. And I made multiple calls about this case. I now have a charged off account in the amount of XXXX. Plus they kept my deposit of {$750.00}. That they said only has {$650.00} in an account. I told her who do I need to talk with to get this error off my report. She said their is no one that I can speak with, but she would investigate. I told her I was going to file a complaint with the CFPB and she stated she can no longer help me and they will get in contact with me. I left her with my name, number, and email address.
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| 03/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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|
Web |
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During the week of XX/XX/2020, I contacted 53 Bank regarding an email sent by the company about hardship assistance amid the coronavirus pandemic. I called the bank to ask about the possibility of getting a deferment of my payments given that I was separated from my job as a result of the coronavirus crisis. The representative from 53 Bank said they would send documentation to process the request. On XX/XX/2020, I received an email from 53 Bank asking me to sign an agreement regarding my " delinquent account ''. Up until this point, my account has never been delinquent. The document basically states that the only way to not make the upcoming three monthly payments would be to sign a document acknowledging that my account was delinquent, and instead of deferment, I am getting a delinquency extension that could potentially affect my credit history. The document includes a phone line to request assistance, but the line immediately disconnects after it tells you to wait for the next available representative. I have made multiples calls but they are all automatically disconnected. I contacted the main 53 Bank customer service number and they told me they do not know anything about the situation and that if I need help I need to keep calling the line that is basically disconnected. The bank is basically using the financial hardship encountered by people as a result of the pandemic to get them to sign agreements about alleged delinquent accounts that were never delinquent.
|
| 04/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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XX/XX/XXXX : Bill pay arranged from XXXX XXXX to Fifth Third Bank for XXXX mortgage payment.
XX/XX/XXXX : Letter from Fifth Third Bank informing no payment received for XXXX. Late charges of {$95.00} placed on account. ( I was out of town from XXXX XXXX ) XX/XX/XXXX : Email from Fifth Third Bank. They requested payment for XXXX mortgage.
XX/XX/XXXX : Called Fifth Third Bank a d provided routing and my account number for XXXX XXXX. A second XXXX mortgage payment including the late payment of {$95.00} was given to prevent personal credit damage. And later visited Fifth Third Bank branch in XXXX, FL and spoke with XXXX XXXX who requested verification of XXXX XXXX withdraw of funds and copy of check to Fifth Third Bank.
XX/XX/XXXX : Received email from XXXX XXXX denying any error happened regarding payment. They attached copy of check sent to Fifth Third.
XX/XX/XXXX : Received call from XXXX XXXX verifying second payment.
XXXX XXXX XXXX : Multiple phone conversations with both banks attempting to find missing XX/XX/XXXX payment of XXXX. Spent more than 5 hours between calls to banks.
XX/XX/XXXX : Visited XXXX XXXX at Fifth Third Bank. He called main office and they said more information is needed as the check attachment sent by me from XXXX XXXX was inadequate. Called to get further help from banks and customer service reps were incapable of correcting this issue. Last call today with XXXX who conferred with her supervisor XXXX in order to research lost payment.
|
| 04/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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53 Bank went to auto debit my monthly payment on XX/XX/XXXX as usual. However they added lender forced insurance. The payment was denied because it was more than the normal principal and interest payment amount. I have had this mortgage for almost 7 years and have never been late once. Since XX/XX/XXXX, I have made numerous attempts to rectify this issue and make my normal principal and interest payment. I have had my insurance carrier reach out to 53 Bank and assure them that there has never been a gap in coverage. Numerous call have been made to 53 Bank, yet each department tells me I need to go to a different dept, such as collections. However Collections tells me that I am required to make a payment that includes this extra {$800.00} dollars. Which I am not comfortable doing, as 53 Bank has made an error and should have never places Lender Forced Insurance to begin with.
I feel I am being taken advantage of and don't feel I should be in default on a mortgage, as I have made more than a reasonable numbers of attempts to pay my normal monthly mortgage principal and interest payment. 53 Bank 's internal loan servicing is the worst I have ever experienced as a borrower.
Bottom line, I want to make my payment. I should not be required to pay lender placed insurance, as there has never been a gap in coverage. 53 Bank is not working with me. And now I have late payments and could receive a ding on my credit report for the reporting bad info to the credit bureaus.
|
| 08/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
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I, XXXX XXXX XXXX, going through a nasty divorce. Somehow back in XXXX XXXX. I reported to my bank of over 20 years, Fifth third bank, XXXXXXXX XXXX That my bank accounts were being accessed. I asked for them to be on hold, until they could figure it out. The gentleman who set up my accounts at that time. About 7 or 8 different ones, was who I went to and talked to for help. I couldn't receive any help, even after turning it in to their fraud dept. They assigned a detective to look at it, and he went back to the bank and ask them to do their job, and then he would do his. He literally told them it was an inside job. I have fault over this since that time, there was never a thorough investigation done. They froze my accounts in or around XXXX. There was funds being transferred from one account to another ... .and the only answers I could get was I don't know, where deposits, Transfers, etc. Went to, even though I was doing all the leg work. I today have still not gotten it settled. They even kept my social security checks ... .I lost everything, couldn't pay my bills, etc. I even told them whom I thought was involved, but nothing was ever done. I would like to know the best way to go to get this resolved. The gentleman who was there when all this happened left after about a year. I was involved in XXXX breach, and never got anywhere with that either. I had a breakdown in XXXX due to everything. I would like to know who to turn to. Sincerely, XXXX XXXX XXXX. XXXX.
|
| 06/01/2016 |
Yes |
|
- Credit card protection / Debt protection
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|
Web |
Servicemember |
|
My 5th 3rd Credit Card increased its bank hold period by 10 days without informing me. I payed {$250.00} to pay down this line of credit, but they put a hold on receiving the payment, effectively denying me the use of this credit until it clears, which has never happened before. Whats more, this credit line is used as overdraft protection for another 5th 3rd account, with a {$12.00} fee assessed for using this credit card in this fashion. I over-drafted by {$88.00}, expecting my credit line to kick in ( {$12.00} fee ) and transfer {$88.00} from my credit account, but nothing happened. I was assessed an over draft fee of {$74.00} dollars by my bank instead. Customer service indicated that my {$250.00} transfer to my credit card was on hold and it was the reason my overdraft protection did not work. Both the credit card and bank account are administered by 5th 3rd Bank. Had I known they could hold my credit card payment for 10 days, I would not have transferred the XXXX to my credit card account yesterday and would have left it in my original bank account, and would not have over-drafted at all. I find it really convenient for 5th 3rd that I did not pay {$12.00}, but instead now have to pay {$74.00}. I believe they did this on purpose ; and strategically used this holding period to push me into overdraft and charge higher fees. By effectively not allowing my credit payment to post, they invalidated my overdraft protection, so they could garner higher overall fees.
|
| 08/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
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On XX/XX/XXXX I accessed my online banking account to view a payment that was scheduled to be paid from my CA, to my car company ( XXXX XXXX ). My online banking did not show that a payment wasdue to come out, so I set one up -- never getting a notice that 2 payments were scheduled for the same company on the same day. On XX/XX/XXXX, I received an email notification that 2 payments had been processed. I immediately called XXXX and was told to have a stop payment placed. I went to my local branch immediately and was told that a request for a stop payment was sent and would be stoppedon XX/XX/XXXX. This process did not occur in office until XX/XX/XXXX, as which time the payments were already in XXXX XXXX possession. A dispute was placed by my local branch to attempt to recoup those funds, however, I was told that since the stop payment had an order dated XX/XX/XXXX and the funds were processed on XX/XX/XXXX that the stop payment failed and would not be processed. My acct is never negative, I 'm never overdrawn. I do however, have overdraft protection with my savings account -- which they drained for fees and to cover other payments that I have come out bi-weekly. My local branch was kind enough to refund what charges they could, but my account still remains negative. So, I 'm not out ~ XXXX because of 5/3rd 's negligence and poorly designed customer website. I 've been re-routed multiple times to many different divisions to no avail. I would like my money back.
|
| 02/10/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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Fifth Third has been nothing but difficult when dealing with them. A few years ago I had to have a modification ... it took a year for them to actually help me. After a year of first them stating that they " had all the documents '' then getting a letter stating that they did n't get everything and I had to start over. I had retained a lawyer but they were shut down by the FTC - then suddenly Fifth Third did my loan modification within days However they had to do a " buy back '' but would n't tell me why. Flash Forward till now ... I again lost my job and called them within a day because on their website they state you do n't have to be late to get help. I called before I was late, then I received a notice stating they could n't do a modification. I continued paying my mortgage but again, without steady employment as I thought ... it became difficult. So I have resubmitted my application 2 times ( one was an appeal ) they have rejected them with different reasons but offer a short sale. I have tried and tried to get in touch with my Specialist at fifth third ... but he will not contact me. I have sent an email to their VP of the Mortgage Modification department ... Nothing. I have left messages ... nothing except for automated calls telling me my mortgage is late! I just need help and information yet they are unwilling to even answer my questions. I have my emails, correspondence, timeline of all events and the stomach issues to prove how terribly upset I stay.
|
| 12/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/21, I opened a Fifth Third Momentum Checking account online ( ending in XXXX ) and was provided with the account opening disclosures. I also created my online banking account at the same time. In all of the disclosures that were provided to me at account opening and when I created my online banking, Fifth Third did not disclose to me that there was a {$3.00} web transfer fee for making a transfer from online banking to an external account. On XX/XX/21, I initiated a {$2000.00} transfer to an external account. I later learned when reviewing my statement that Fifth Third charged me a {$3.00} web transfer fee. This fee was not disclosed to me on the screen prior to making the transfer either. Fifth Third advertises this checking account as " No Hidden Fees '', but this {$3.00} web transfer fee appears to be a fee that was not disclosed prior to when it was charged and is therefore a hidden fee. This type of fee would be a fee that is required to be disclosed prior to account opening or prior to when the first EFT is completed under Regulation E. To make sure I didn't miss this fee at account opening, I reviewed the fee disclosure that is located on the Fifth Third website and again noted that this fee is not listed. I also could not locate a separate online banking fee schedule on the website or when logged into online banking. I have since closed out my account, as I did not see value in keeping the account open and was not happy with these hidden fees.
|
| 07/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I have various credit cards all major companies such as XXXX, XXXX XXXX and etc. Although we are in a pandemic in which many are losing their jobs and unable to pay their bills, however I am not in that situation, I have two jobs by which are thriving in the mist of the pandemic. Plus my wife makes a substantial amount of money as well so as a house hold we can support and pay any and all credit debits. However, I received a letter from fifth third bank stating that they were decreasing my credit limit from XXXX to the amount that has been used already on my credit card so that makes my new credit limit decreased to {$1600.00}, which now appears as if my credit card is maxed out which also decreases my credit score. I always pay my bills on time never been late and always pay ahead of time and never pay minimal due. Out of all the credit cards that I have, this is the only one that felt the need to decrease my credit limit amount which not only hurt my credit score, but also my situation. I been using my credit cards more lately because my father has been sick and I have traveling more often than usual to take care of family matters. I felt what fifth third bank did was selfish, untimely, unethical and influenced by pure speculation and assumptions to where I couldn't handle my debit by which I can, I have been a good customer. However, as a consumer, discriminated against, I was feeling as if it was almost racially motivated, and therefore I am very offended.
|
| 07/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Fifth Third Bank holds my car loan. I have been assessed late fees on my car loan payment as they have claimed that I am making it past the cut off time. I usually pay it on the last day I can pay it without accruing a late fee due to how I am paid through my full time job. I am making it through the automated system and it does not state prior to the payment being processed that there is a cut off time to make it or it will be processed the next business day. I have looked online for the cut off time, in my coupon book ( as they don't provide a monthly statement ) and I can not locate a cut off time posted anywhere. I have called in and the rep told me if I talked to a rep to make the payment I would have been notified of the cut off time and I should have received a welcome packet, which I do not have. They are not waiving the late fees and I am not paying them. I'm happy to pay one as if I had known about the cut off time to begin with I would never have continued to make the payment after XXXX.
Why are they not required to post this on their website, on their coupon book that they send in place of a monthly statement, etc.? Every other credit card or loan I have states a cut off time that you have to make over the phone, online, in person, etc., and it is shown on the monthly statement as well as online, why is this not disclosed on their website that is easily accessible or how is it not sent out when you are late on the payment? How is this legal?
|
| 07/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth Third Bank purchased my conventional mortgage from the originator. I was notified from the originator that Fifth Third would now be servicing my mortgage, so make future payments to them.
My first issue was with setting up automated payments. Fifth Third does not offer an electronic way to do this ( I don't have any other accounts at Fifth Third, only my mortgage ). I had to print a PDF form, fill it out by hand and mail it it. There was also no promise this process would be done by the time my next payment was due. This is a completely unacceptable process for a bank the size of Fifth Third and in the year 2022, as every other mortgage servicer makes setting up automatic payments a quick and easy online process.
After having my auto-payments set up and my first few payments made, I have now received and email from Fifth Third stating " We're reaching out to let you know that your account ending in XXXX requires prompt attention ''. I should not be receiving this email, as I'm current on payments and have no other issues. When attempting to contact Fifth Third, I have run into difficulties. There is no email for customer support, the chat functionality on their online banking site doesn't work as I haven't received a reply and the current wait for a phone call is over 30 minutes. All completely unacceptable customer support actions.
I would love nothing more than having my mortgage transferred to a capable servicer with actual customer support.
|
| 08/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
When financing our vehicle we took a loan from Fifth Third Bank. On our Simple Interest Note and Security Agreement we paid XXXX dollars to Public Officials and XXXX dollars for Title Examination. Once we satisfied our lien in full we received a letter from Fifth Third Bank stating that in order to receive our title we must go to The Ohio XXXX and PURCHASE the title due to the fact that Ohio is a state which produces electronic titles.
Ironically, one week before receiving Fifth Third 's letter we had just satisfied our lien on another car that we financed through XXXX XXXX. XXXX XXXX thanked us for our business, thanked us for satisfying our lien and ALSO sent us a PAPER Title.
I spent over an hour on the phone with Fifth Third 's loan officer going round and round about how Ohio is a electronic title state and Fifth Third owes us no paper title. I spent another hour with a loan officer at a local Fifth Third branch going round and round about how Fifth Third owes us nothing since Ohio is an a electronic title state. No one could explain why I received a paper title from XXXX XXXX and not from Fifth Third. I was given a handful of excuses as to what the fees of XXXX dollars to Public Officials and XXXX dollars for Title Examination on our Simple Interest Note and Security Agreement really were.
We will never consider Fifth Third again for any of our financial needs and urge other to be aware of their " roundabout '' ways of cheating their customers.
|
| 05/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been a victim of XXXX XXXX and therefore have been in a forbearance. I had requested a loan modification on two occasions- XX/XX/XXXX and XX/XX/XXXX. I was told in XXXX to continue the forbearance since my financial situation had not improved. In XXXX, I explained the same and 53 bank told me they would lower the interest to the Fannie Mae current rate and extend my mortgage by 10 years. Sounded great - however when I received the paperwork my payment INCREASED!!! I called and called and sent messages in the portal system- to no avail! The only thing I was told was we dont know I guess your loan is too new I pointed out to several people during this time in XXXX that the interest rate was NOT lowered. Nothing .... no help!
So I am again in forbearance.
I have since received multiple statements - all with different amounts including the change to my escrow due to forbearance- and all of them are different and conflicting.
I have asked for help to explain- once again NOTHING.
I keep getting told someone will contact me in XXXX to review my options and a deferment will move all the amounts to the end - once again THIS IS NOT HELPFUL!!!!
I cant afford my payment- I need a lower payment!!! I need a modification- I cant afford for myself and my XXXX children to be on the streets! I have a ton of equity in my home and none of this was my fault!! Ive asked time and time again why arent they trying to help people not lose their homes!!
Please help.
|
| 11/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I had bills coming out on XX/XX/XXXX of about {$500.00} that I wasn't going to be able to cover without depositing more money first. On XX/XX/XXXX, I deposited {$1200.00} knowing that only {$100.00} would be available immediately and that the rest would be posted to my account on XX/XX/XXXX.
I based all this information from banking history with Fifth Third, as well as relying on the banking app and website that I have used for years and years. I knew exactly what I needed to do so that my account would not go negative. The account never went negative. Yet Fifth Third Bank charged me an overdraft fee of {$74.00}.
What is even more deceptive ... when you print account detail history, the balances at the end of each day disappear, perhaps it's for privacy reasons. I have a screen shot showing that my account was never negative and that I am being charged {$74.00} for overdrawing. I contacted this bank but they will never respond. They just show you a creative overdraft letter that you need a very open mind to even attempt to follow. No logic is involved.
This is deceptive ( banking apps and online accounts being misleading as well as overdraft letters that make no sense ), and completely unfair ( {$74.00} overdraft fee without having an negative balance ).
Please see the attached screen shot that shows my account never being negative, as well as a printout of the same information with hidden account balances ... I wonder why they do it like that?
|
| 08/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have currently been on hold for 1 hour and 50 minutes being sent from one ignorant operator to the next. I work very hard form my money and I contacted the bank immediately after I recognized a charge I did not approve. When I asked the bank I trusted with my funds to stop payment on the unauthorized charge I was told nothing can be done until the charge goes through. Once the charge went through I called the bank and disputed the charge explaining that I had closed and account and was supposed to be sent a final bill but the company just applied the full amount to my account on file without my approval. I was told that I would hear back from the dispute department but no one ever disclosed that there would be a 90 day wait period to get MY MONEY back. No one disclosed that I could even dispute the charge with the company that applied it to my account now my account has fees and fraudulent charges totaling to over 600 dollars and my family can not afford to eat or buy gas to get to work. Its horrible that billion dollar companies take advantage of customers with limited funds but it causes even more detriment during a pandemic. Also when I asked how do I know that my complaints have been filed correctly if no one will give me a name or reference # for my complaint and customer service reps gave me nicknames like XXXX and XXXX. Nothing that I could use to report specific poor attitudes. A complete disgusting and disgraceful experience. Truly upset
|
| 08/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
During the payment cycle of XX/XX/XXXX and XX/XX/XXXX Fifth Third Bank posted 30 day delinquent updates on my credit report. These payments were only late due to a technical issue on the Fifth Third website. I 've engaged them back in XX/XX/XXXX and recently to resolve this issue but nobody can seem to fix my inability to make a payment online. If the site was functioning properly I never would have been late. This could be confirmed by looking through logs that show I attempted to make a payment before my due date online but was presented with errors. My other Fifth Third credit card allows me to make payments online but this card in question does n't. It feels like this was done by design, due to these issues my credit took a 150-point hit. I 've tried to dispute these entries with the 3 bureaus but nothing ever comes of it since its hard to prove I tried to make a payment on time but due to technical site issues was unable. To be fair the second late entry, I could have visited a branch but expected the technical issue to be fixed. Since this company can report negative information on my credit I expected all avenues to make a payment on time be enabled and functioning. Im asking that the issue be resolved and negative entries removed. I believe this to be a violation of the fair credit reporting act. Next steps are to file a complaint with my attorney generals office and the BBB if this attempt to resolve goes nowhere. Thanks for your time,
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| 11/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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Web |
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I was issued a gift card in the form of a XXXX prepaid from a company for a rebate. Unfortunately, I misplaced the card but found it at a later date that was past the expiration date ( by only a couple months ). I called the number ( XXXX ) and they said they could reissue another card since I never used the funds but would charge me a replacement fee and a fee for each month past expiration ( {$15.00} total ). I asked to have those charges reversed so the rep said they would put in that request also. A new card arrived weeks later with a new number and expiration date. When i checked the balance, it was XXXX. Since receiving the new card, I've called the company 3 times to resolve. Each time I'm told that XXXX ) they will escalate to the " back office '', XXXX ) they will ensure I get the fees reversed, and XXXX ) I should hear from someone from the bank within XXXX hours. After I called each time, I never received a call back. This last time, I got the same message and was told there was no other way to escalate and no other number to call to get this resolved and they apologize for the inconvenience. Not only do I feel strongly that a company can not just take someone's money like this, this company said I could get the funds reissued but aren't resolving the issue. This has been going on for a couple of months now. The card is issued by fifth third bank but I keep getting a call center XXXX who wont let me speak to the bank. Please help!
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| 03/30/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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In late XX/XX/2017 a checking account was opened with Fifth Third bank and {$100.00} deposited in via ACH transaction from one of my other accounts.
My Michigan Drivers License was provided along with my home address I registered for online access and provided a user ID and password.
This information was auto saved on my computer for easier access.
A about a week after opening the account I was unable to sign on. Therefore I called and reached the security or fraud dept.
The male representative said I needed to answer questions to verify my identity. I was asked 6 questions about my past ; example, previous address, mortgage info etc.. All the questions were answered CORRECTLY. I was impatient with the representative due to his tone and I believe as a result the representative retaliated by refusing to take the restriction off although I did correctly answer all the security questions.
As a result, I had to cancel large deposits to cover payments which ultimately bounced. However, with my account restricted and being unable to get to a branch ( work takes me out of state 4 days a week ) There did n't seem like much i could do.
For the representative to question my identity is absolutely insane and reckless. My information matches information on all my credit reports and with my drivers license and the fact mail has been received by me at my address ( see attachments ) this representative was simply retaliating and I refuse to allow that.
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| 08/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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In XX/XX/XXXX I contacted my mortgage bank, Fifth Third Bank, to question how my escrow payment would be adjusted if I paid the first installment of my XXXX taxes in XX/XX/XXXX instead of XX/XX/XXXX. I wanted to do this so I could claim this payment on my XXXX tax returns. I knew my deduction would be limited on my XXXX tax returns due to tax law changes. The Fifth Third representative told me that they would make the payment for me as they were for many of their customers. I confirmed that I wanted the payment made by XX/XX/XXXX.
In XX/XX/XXXX I received my Escrow Statement which did not show the extra payment. I contacted Fifth Third and they told me that they did not make the payment because they did not have a tax bill. I asked why they did not contact me before the payment deadline and they had no explanation.
We had several discussions where they kept apologizing but offered no compensation for my lost tax benefit. I have calculated that I lost {$1800.00} due to their negligence.
I hired an attorney to send a letter to Fifth Third on my behalf. We submitted our first letter on XX/XX/XXXX. We received no response. We sent a follow-up letter on XX/XX/XXXX. We still have not received a response. The letters were sent via certified mail so we know they were received.
We would like your help to get Fifth Third Bank to respond with a payment of at least {$1800.00} and cost of legal services. Their lack of and response is unacceptable.
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| 09/14/2020 |
Yes |
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Web |
Servicemember |
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On XX/XX/2019, we closed on the sale of our property. XXXX XXXX XXXX XXXX received the pay off documents from 5/3rd Bank and proceeded with the closing on the sale of the house based on the closing packet 5/3rd Bank provided. XXXX XXXX XXXX XXXX wire transferred the funds requested for the payoff of the property. 5/3rd Bank has stated the mortgage is satisfied, but my husband and I have received numerous letters from HUD stating they are still owed money. XXXX XXXX XXXX XXXX has been very helpful on trying to get 5/3rd Bank to pay HUD as the funds were included in the payoff to 5/3rd Bank ( as directed in the payoff information provided by 5/3rd Bank ). 5/3rd Bank will not provide us with any information. The branch XXXX has been informed to tell us to call HUD and be done with trying to help us get this resolved. We have asked 5/3rd Bank for all of our records on the mortgage, but they refuse to provide them to us. At this point, it has been almost a year after we closed on the property and continue to go in a circle with trying to get this resolved. HUD has sent the loan to the creditors ( there are three credit hits for this one loan ) and also have sent letters to have my income garnished. Since the HUD loan was never sent the payoff funds, it has also accrued fees. We have done everything asked correctly to have the closing of the sale of this property successful. This is cause a major headache for my family financially and emotionally.
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| 08/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Thank you for taking the time to read this. I have an issue with Fifth-Third Bank. I have been making on-time payments to them for the past 9 months. In XXXX, I decided to enroll in a program with XXXX XXXX XXXX for repayment plan for the debt ( I had lost my job ). In XXXX, I made a {$650.00} payment to Fifth Third over the phone.
My issue is that when I tried to make the payment in XXXX, the representative said my account was closed and that I have to go into a branch to make the payment. When I went into the branch, the representative said he will see what is going on. I never heard back from him. In XXXX, I tried to make both XXXX and XXXX payment but they would not take my payment over the phone. So I went to another representative at a local branch and demand for them to find out what is going on. The representative reached out to me yesterday saying that my account is in-house collections because my account was late. I was furious because my account was late due to the run around I was getting from Fifth third but he mentioned it was late since XXXX. I know that was not true because I made the payment on the XXXX each month. The phone representative always said my payment will be posted on the same day I paid ( excluding holidays ). I received no mail notification and now I have a late payment on my credit report and I do not think I should have that reporting on my credit. This is not right and I would like this fix!
Thanks, XXXX
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| 11/08/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Beginning on XX/XX/XXXX, I have been in contact with several individuals working with Fifth Third Bank customer service line at XXXX. The issue involves a money order that was paid in XX/XX/XXXX. All of the individuals that I have spoken with have never resolved the issues related to the money order some of their names include XXXX XXXX, Supervisor at the call center, XXXX XXXX, Personal Banker in XXXX Ohio, XXXX XXXX, Supervisor of the call center. Specifically I went to a a XXXX, Ohio Bank on XX/XX/XXXX, and spoke directly to XXXX XXXX who provided me with false information regarding the price of my bank statements. XXXX XXXX told me that the cost of my statements is 5 a page when it only cost 5 dollars for a statement. XXXX XXXX threatened to call the police on me because I asked for a copy of my statements. Furthermore, I have been informed that XXXX XXXX wrote a note on my account stating that I mentioned filing a lawsuit against the City of XXXX. I never mentioned anything regarding a lawsuit against the City of XXXX and all of the information that XXXX has written on my account is false. She also provided me with false information regarding my account. In addition XXXX XXXX refused to provide me with the name of the individual/company who endorsed a money order on XX/XX/XXXX. I would like to have a fraud investigation because I believe there is fraud going on with my account and I would like the CFPB to oversee the fraud investigation
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| 06/01/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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On XXXX, i mobile deposited an XXXX XXXX payment into my fifth third checking account. After waiting 2 days for the check to process, it had cleared and was available in my account. On the morning of XXXX, I checked my bank statement to ensure my account was good for the bills that are set to autopay on my account. I was shocked to see that my account XXXX over XXXX dollars in the negative and there was no clear explanation as to why. Today, XXXX, I called fifth third for details as to why they overdrafted my account by such a huge number, given that I had no pending transactions or checks showing as bounced. After talking to an agent at the XXXX XXXX location in XXXX, Ohio, I was informed that the check had been deposited twice although it had not been endorsed until I deposited it on XXXX. I was then called back and told it was because the check was void after one year and I had missed the window to despot it. I was then called back again and told that the check had indeed been deposited twice, and I was expected to pay back the full amount after they had made the funds available. This constitutes fraud on fifth thirds part as they have either deposited an unendorsed check to my account without my knowledge, or have accepted the check and deposited the funds, only to pull them from my account after well over 2 weeks of access. Fifth third has willingly and knowingly provided me false information and is in violation of 15 U.S. Code 1611.
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| 11/13/2023 |
Yes |
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- Closing on a mortgage
- Delays with the closing process
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Web |
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I am in the process of closing on an XXXX loan for my XXXX XXXX to payoff a XXXX XXXX XXXX XXXX loan. In the process of closing, the XXXX company discovered a XXXX XXXX lien placed by Fifth Third bank, my XXXX XXXX lender, on behalf of XXXX for XXXX. On XX/XX/XXXX, Payoff requested by XXXX company to XXXX. Notified XXXX company on XX/XX/XXXX that XXXX had no record of the account or lien. XX/XX/XXXX, I was notified by the XXXX XXXX company that they could not complete the loan until XXXX lien was paid off and they would need the payoff information to continue. Reached out to Fifth Third for this information and was transferred around to XXXX individuals, but no one was able to find this information. I submitted a complaint to the XXXX XXXX XXXX immediately after that call. XX/XX/XXXX, Received a call from office of the president at Fifth Third Bank and advised they are working on providing the information. I allowed XXXX days to pass with no update provided and then reached out on XX/XX/XXXX to the XXXX XXXX XXXX. Advised again still working on providing the information. Exchanged XXXX calls between XX/XX/XXXX and XX/XX/XXXX only to be referred back to XXXX even after I indicated they did not have this information and it had to come from Fifth Third Bank. XX/XX/XXXX submitted my own request to XXXX for information. XX/XX/XXXX XXXX on behalf of XXXX reaffirmed they did not have this information and I would need to contact Fifth Third Bank.
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| 01/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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In XX/XX/XXXX my mortgage was purchased by Fifth Third Bank from XXXX XXXX. Taxes & Insurance were escrowed. In XX/XX/XXXX Fifth Third Bank failed to pay the Homeowner 's Insurance premium. Efforts by myself & XXXX XXXX XXXX failed to extract payment from Fifth Third Bank. XX/XX/XXXX my insurance was cancelled for non-payment. Payment was made late ; XXXX XXXX reinstated the policy without lapse. Since cancellation, Fifth Third Bank has harassed and threatened me over providing proof of insurance for the lapsed period. In XX/XX/XXXX Fifth Third Bank notified me they had purchased a " Forced Placed '' insurance policy on their behalf from XXXX XXXX XXXX XXXX in the amount of {$2200.00}. Funds were taken from escrow for this purchase, creating an escrow shortage, and creating an increase in monthly mortgage payment. Payment already made was not applied, my account was placed in past due status, additional funds have been demanded, and I am threatened with foreclosure. Despite all efforts to get a response from Fifth Third Bank, they have ignored my phone calls, emails, and complaints filed with state agencies and government representatives. They are insulated from consequences of their bad acts, from their fiduciary responsibility failures, and from the stress, anxiety, and fear they have visited upon this XXXX year old retired veteran with a son in XXXX whose home-of-record is this house. Fifth Third Bank needs a trip to the woodshed.
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| 10/22/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have had nothing but problems when trying to make a payment with Fifth Third Bank. I 've had to request that my online account be reset multiple times due to problems with their website. I 've tried calling but the system wo n't allow me to make automatic payments over the phone so I have to wait on hold for a ridiculous amount of time, and often times I 've been disconnected and have to start the process all over again. All of these technical issues have resulted in some late payments, numerous late fees, and now my credit report has been negatively impacted. The last customer service person that I spoke with was also informed about my troubles when accessing the account. I tried making my payment on the due date and could n't access the account, she then ADMITTED to me that the website has been having problems. I asked her to remove the late fee that I was charged but she refused, even after admitting that the website has been malfunctioning. Because of the late payment the company has reported to the credit bureaus that my account as being paid late, and the result has been a drop in my XXXX XXXX. I 've tried working with the company but they did n't seem to really care about me as a customer or the issues that I was having. I will never do business with this company again. I plan to pay the card off and close the account. They have HORRIBLE service. I tried finding contact info for a department to file a complaint but had no luck.
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| 06/22/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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Hello, I 've been banking with Fifth Third for most of my adult life. It 's been a tumultuous relationship at best, but I 've always stayed because I had automatic deposits and withdrawals setup. On Saturday, I made a deposit to my checking account via a check that I had received. I very rarely deal with checks anymore because so many things have become automated and/or done on the internet. The check was from XXXX refunding me fees erroneously collected when I had my mortgage setup on the equity accelerator program. The deposit ticket clearly stated the funds would post to my account on XXXX. According to the transaction history in my bank account the funds did clear and post on the XXXX. Today when I went to check my balance I noticed an overdraft fee for {$74.00} dated XXXX which was causing my account to have a negative balance. I immediately called 5/3rd and spoke to a bank teller named XXXX who became exasperated with me and transferred me to XXXX the bank manager. He blamed the problem on me and intimated that I should have known better since I went to the bank on a Saturday. Most banks do n't have full hours like 5/3rd does on weekends. They wo n't refund the fee and they ca n't explain why my transactional history does n't jive with what they are telling me verbally. I 'm very upset. 5/3rd has continuously made money from fees by pyramiding or assessing overdraft charges when I 've had money in my account pending or otherwise.
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| 11/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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during a transaction so some one in between the lines spent things and delivered data with no reflection on the account added. This is why the account in negative!
Hello : Fifth Third Bank The account has malf 'd again and re-deucted some credits the next time around to reflect the already ducted balance transacted in the first exchange per transaction. Now the transactions are credit that is in the red as normal for XXXX ; and XX/XX/XXXX for replaced credit from the total in deposits and transfers positivity on XX/XX/XXXX a bal : XXXX Which I added and is devout for transactions I can't deduct because they aren't supposed to be negative charges instead they are positive charges to be placed back in the account related to the re-pend certain categories. I will revisit the bank tomorrow and forward this to an FDIC office for a report & review; name : XXXX XXXX XXXX, birthday : XX/XX/XXXX Acct ending : XXXX All positive deposits and transactions + : XXXX XXXX $ XXXX XXXX $ So I look funny in the face with a negative XXXX $ ; please call if you have questions about this account, I got fraud by your system ; now they want to close this account. As of today the account supposed to have {$3.00} XXXX but it's exhausted by $ XXXX and it's a brick wall rip-off because of most employees trying to help solve another employees problems. This account I got it's based on savings/supplies and donorship sponsors. Thanks thus " I need help fast ''
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| 07/10/2020 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Unable to open an account
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Web |
Servicemember |
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XXXX XXXX was very biased, contemptuous, and highly dismissive towards Myself and my XXXX XXXX. We attempted to open up a XXXX account for one of our XXXX called " XXXX XXXX XXXX XXXX today XXXX XXXX 2020. She blatantly lied and said that she could not look up our articles of organization. However, that wasn't the case she simply refused to look up the necessary document needed to open up the XXXX account. She made us feel very uneasy she also made us feel like we had no right to be in a banking institution based off how we were dressed. XXXX stated that she'll only open up a personal checking account because she did not think our XXXX was legit since we did not have a hard copy of our articles of organization on hand. She also stated very threateningly that if we did not fund our personal checking account by today that she would close our account. Just because we did not have a hard copy on hand does not mean our XXXX is not legit. She blatantly REFUSED to look up our articles of organization therefore we were unable to move forward with opening up our XXXX account with FIFTH THIRD BANK. She also did not give us our necessary banking information such as account and routing number for one of our accounts. However, once we left fifth third bank we met with a banker at XXXX XXXX this banker was able to pull up a copy of the articles of organization that we needed to open up the XXXX account.We happily moved forward with XXXX XXXX.
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| 03/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I received a notice that I needed to pay extra money {$570.00} to cover the escrow shortage. I called XXXX and spoke with customer service and paid the shortage. Confirmation XXXX. Fifth Third Bank online payment service does not have an option to support this transaction, the only choice is " Other ''. They should have an option to apply the payment to escrow shortage. I was informed that " they '' would see the " other '' payment made and apply it to the escrow shortage AND my payment would stay the same. I paid {$570.00} for the escrow shortage.
Today, XXXX, I have received a XXXX statement for {$620.00}, the new mortgage amount and I was not given credit for the payment towards the escrow shortage.
When calling Fifth Third Bank, at XXXX, they do not disclose that their office is closed on the weekends. I called, and was told to enter my " pin '', which i do not have since this is a mortgage. After being on hold over XXXX mins, I was then informed the mortgage office is closed on the weekends.
The statement fails to disclose their business hours.
They failed to apply my payment towards escrow.
They misrepresented what would occur and are now over-charging me on my monthly payments.
This is unfair, dishonest and unethical. I feel that they are not correctly honoring my payments and they are unfairly overcharging me. In addition, their statement on how to reach us is unethical in that they do not represent their working hours.
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| 04/14/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I have had a checking account with 5/3 Bank for 5 or more years. In XX/XX/2020 my local branch was closed and there is no longer a branch close to my home or business so I opened a new account with XXXX XXXX and transferred all of my money except about {$50.00} out of my 5/3 account. On XX/XX/XXXX I sent a secure message through the 5/3 website requesting that the account be closed and remaining funds be mailed to my address of record.
I also called the toll free customer service number but was never able to speak with a representative after being on hold for over 30 minutes.
Since then, the account has still not been closed and it is accumulating service fees on a daily basis. I have tried calling several times and have been unable to reach anyone. Finally on XX/XX/XXXX I was able to speak with a live representative at a call center, but he told me I would have to go to a local branch to close the account for security reasons.
I am unable to visit a local branch because the branch where I conducted business has been closed permanently. Also, all branches are currently closed and only offer drive through service. I have tried multiple times to call the XXXX NC branch to speak with a banker and no one ever answers the phone. I have left multiple voice messages and no one has ever called me back. I tried calling them again today and there is no longer an option to leave a message.
As of today my account balance is - {$310.00}.
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| 11/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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Fifth Third Bank has now TWICE allowed their employees to go into my account and change my address. They were NOT authorized to do so. Both times they removed my unit number from my address. This caused my initial credit card to be sent who knows where. After a lengthy phone call including an escalation, we were able to resolve this. I was told that AFTER they had already approved me, a manual verifier went into my application and updated my address likely via copy/paste, and forgot my unit number. I thought this would be the last issue.
This second time happened XX/XX/2023 XXXX XXXX. I was able to find out from their representative that one of their branch employees went into my account to make this change. They deleted my unit number from my account yet again. I went in and manually updated it back to normal. The customer service representative was unable to state which branch did this and instead advised I go to " the nearest branch '' to resolve this violation of my account via unauthorized use. This is my 2nd complaint against Fifth Third Bank, which is displaying gross negligence in privacy practices. How are unauthorized employees allowed to go into peoples accounts? Does 53 allow them to borrow money too? It's unacceptable.
Furthermore, this unauthorized security breach which is clearly the norm, can cause consumers to miss payments as we need a bill to know when to pay. Are you purposely doing this to collect late fees?
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| 08/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have a mortgage loan through XXXX bank. My loan was for more than 80 % of the value of the house, therfore requiring me to Escrow with XXXX. In XXXX of XXXX, they ran an escrow analysis on my accounts and according to my analysis I owed {$2200.00} per month to cover my loan, interest, taxes, etc ...
I recieved a call from a debt collector from XXXX on XX/XX/XXXX indicating that my XXXX first payment was past due and was wanting to make collection at that time. I thought this was a mistake because my mortgage payment is set to auto draft from my bank at the begining of each month. I have never been late on a payment in my life.
According to XXXX bank, my escrow was re-run in XXXX of XXXX and they found that my balance was roughly {$14000.00} short. This caused my monthly Mortgage payment to go from {$2200.00} a month to {$4100.00} a month. OVERNIGHT!
The reason for the error is that when they calculated my escrow in XXXX, they FAILED to include my hazard insurance for the year, they miscalculated my taxes for the upcoming year, and they issued me a check in XXXX telling me that i had overpaid the previous year and that the extra money was mine to spend how i wanted ....
When they re-ran my escrow analysis ONE YEAR later, they realized their mistake and doubled my mortgage over night.
my options are to come up with {$14000.00} cash before XX/XX/XXXX or have my monthly note go from {$2200.00} a month to {$4100.00} a month.
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| 02/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My loan was transferred to XXXX Bank for servicing in XX/XX/XXXX. Since then, there have been nothing but problems. The policies and procedures regarding the bank 's automated payment policy have caused me to be late on two payments XXXX in XXXX and XXXX, XXXX ), and pulled a double payment last month XXXX XX/XX/XXXX ). The bank charged late fees on top of those, and credited back one of the two fees. I had originally attempted to sign up for the automated payments, but they did not process the application, and put it into a temporary autopay status, then finally got that resolved a few months later. I worked through the paperwork again in XXXX, submitting everything appropriately, and XXXX did not process it. They sent me a follow up letter toward the end of XXXX saying that I had to resubmit the paperwork. Because I had a payment due XX/XX/XXXX, I made that payment manually. However, it appears that XXXX actually did process my application and pulled my payment in XXXX, causing me to have a double payment. I later received a statement that I wouldn't have a payment due until XX/XX/XXXX, because of the double payment. Though I was not happy with that, I accepted it without complaint. Then XXXX pulled the autopay on XX/XX/XXXX, despite there being no payment due. These sum up a host of bad practices, and XXXX needs to have some accountability in its practices. It's a clear display of incompetence in managing their autopay program.
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| 10/13/2021 |
Yes |
- Credit card or prepaid card
- Payroll card
|
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Web |
Servicemember |
|
XXXX is a company that does payroll for another fraudulent company which is XXXX XXXX wisely charge me for a service they didnt provide they charged XXXX dollars against my card to have express shipment they I didnt get holding my money and the card leaving without access to my funds meanwhile this card comes through a job I no longer work for that doesnt report proper info to Maryland Labor or IRS on there workers they make you work for nothing or less then what was offered in signing up for the job this company has XXXX XXXX on the job XXXX XXXX XXXX on the floors from XXXX that runs the store knows but removes all that he can steal from XXXX of Human Resources have you work off the clock stating she will put hours in that doesnt get put into the system while working they remove good workers and keep those they can manipulate this company owes me XXXX that they have not paid not trying to pay from fraud to XXXX to ripping off customers this company along with card services needs to be shut down I will make this noted to the world do all in my power to take both XXXX XXXX XXXX XXXX accountable for the fraud thats being provided something needs to be done about the XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX location and the financial company which is XXXX they use both is committing fraud and stealing from the users of there employment and services!!!!!!!!!!!!! reporting them to all putting up fillers to get them exposed!
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| 06/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
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Web |
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So I contacted Fifth Third and asked for some ways in getting old statements from 2019. I ALSO told them I was NOT receiving my statements monthly. We investigated and found out that Fifth Third did not send my whole statements monthly. Only the first page of the statements. Usually the lady said it's like 6 pages long explaining what was coming in and coming out every month of my account. She said they failed to do something on their end to fix that. So then I spoke to a lady who was very hard to understand. Hardly spoke English I then asked to speak to someone who did speak English she then told me there was no one available. I told her tons of times that i only wanted statements that was not to be charged for research. I kept telling her over and over I wouldn't have to do this is Fifth Third did not fail to send me my full statements. I then was charged XXXX on my account and then I called back to customer support and she said it was for research fees. She also said they was mailed out in XXXX and I have yet to receive them. The point I am trying to make is if they would of made my statements correctly I could of pulled them from my end and my files and I wouldn't of had to call them for help in the first place. So basically I was charged XXXX on my account and I still have not received those documents. I was only wanting the ones that was free so to speak and because this lady spoke not English she did NOT understand that
|
| 12/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I made a payment for a purchase i made from a vendor named XXXX XXXX XXXX XXXX for an amount of {$11000.00}, Fifth third bank took out the payment from my XXXX XXXX account on XX/XX/2023 but refused to credit the vendor bank account which was held at Fifth Third Bank. Fifth Third Bank rejected the payment and closed the vendor bank account which was held at Fifth Third Bank, for this reason the vendor cancelled the order and Fifth Third refused to return the money back to my bank account so that i can make payment for the order through another means. I have have sent my bank statement to Fifth Third Bank to prove that the payment was legit and it cleared in my account. Fifth Third Bank requested my bank provides them a Hold Harmless Letter which i have tried to get for Fifth Third Bank. I have reached out to my bank to request they send this letter to Fifth Third Bank but they claim Fifth Third Bank reach out to them via there banking internal channel and request for it since it was Fifth Third Bank that rejected the payment and need the letter. I have tried to ask the bank to give me the letter so that i can provide it to Fifth Third Bank myself but they refused to give it to me saying they have to send it to Fifth Third Bank by themself. That is the current point i am at, I don't know what else to do in order to get Fifth Third to contact XXXXXXXX XXXX through there bank internal channel to request for the XXXX XXXX Letter.
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| 11/20/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
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In late XX/XX/XXXX we received a letter from Fifth Third Bank advertising a {$250.00} bonus for opening a new Money Market account with the bank and depositing at least {$25000.00} in new money into the account. I initially attempted to set up an account on-line however I received an error message that the code on the bottom of the letter was invalid. After several attempts to open the account using different variations of the code ( upper case, lower case, is that an O or a XXXX ) I called the customer service number listed the Fifth Third website. The customer service representative had not heard about this promotion, however he made a number of attempts to input the offer code but got the same result that I had previously. He suggested we visit a local branch to resolve the issue. On XX/XX/XXXX we went to the XXXX, IL branch of Fifth Third and opened a new money market account and deposited over {$50000.00} in new money into the account. The bank representative attempted to use the offer code on the letter, but that did not work. She then tried using a generic offer code from an internal document in her possession, that did not work. We left the branch with confirmation of our deposit but no resolution as to the fate of our {$250.00} bonus. The bank representative said she would resolve our issue and inform us when it had taken place. To date there has been no communication from the bank and my calls have gone unanswered.
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| 09/13/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Can't close your account
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Web |
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Today, XX/XX/23 I was checking my XXXX account information and realized there was an alert from XXXX which stated I had opened a new banking account with Fifth Third Bank. However I did not open an account with this bank, nor have I ever to my knowledge. I called to report it as fraud, and was told over the phone that they both did and didn't see and account, still confused by that, or at least the representative said there was a profile but no account, but then kept referencing an account. I was then transferred to the dispute department to dispute the profile, however I was told I couldn't dispute this fraud as the profile was incomplete. I tried to emphasize that this was fraud, and tried to offer to give them any information needed so I could properly have it flagged as fraud, the representative may not have heard me though, she kept saying I was cutting in and out. However I could hear her perfectly, so I'm not too sure how true that is I then asked to speak to a supervisor to better understand what was happening. The supervisor kept asking for my name, then seemingly pretended to be unable to hear me and hung up on me after a minute or two. All I want to do is ensure there is no account with my name/SSN on it with Fifth Third, as well as dispute and mark as fraud the profile they have on file. However it would seem there is no way to do this. It seems downright illegal that Fifth Third is allowed to operate like this.
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| 04/15/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Servicemember |
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Fifth Third bank terminated all of my accounts in XXXX of 2021.
I had called in with a transaction dispute concerning my debit card connected to my checking account. I explained a merchant had charged my card without authorization.
I received a call back a few hours after submitting the dispute. I was told that they could not give any information, that all my accounts were closed.
I called back a little while later to let them know I contacted the merchant and they were going to refund the transaction. Who ever I spoke with then said something did not seem right, and that they would call me back later after checking into the situation. I missed that call, it was around XXXX in the evening.
I had no access to my accounts for about 5 days. I had been a customer for over 20 years. I had savings accounts, checking accounts, business account, and credit card account.
I also had a previous dispute with my credit card account. I received a provisional credit, but that was reversed and charged back to my account. I am still disputing this. The charge was for a XXXX XXXX channel that a company was building for me. I never did receive the channel.
After they charged my account again, they lowered my credit limit.
Now my credit score has lowered significantly. Credit utilization for the account shows over 160 %.
Also, after closing my accounts, they allowed auto payments to continue, so my account ended up in the negative.
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| 12/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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My homeowners insurance was due on XXXX, I received a bill from the insurance company on XX/XX/XXXX saying it was still due. So I called Fifth Third Bank to find out what was going on. Well they sent the check to someplace in Missouri not affiliated with my insurance which is XXXX, located in XXXX, MI which is clearly stated on the bill. To make a long story short they assured me they would reissue the check. On XX/XX/XXXX I decided I had better call the insurance company to find out if they had received the payment, they had not. So I TRIED calling several times over several days to get ahold of someone at Fifth Third, always put on hold, twice up to 40 minutes. Noone will answer, so frustrated I went to the local Fifth Third branch in XXXX, IN where I live and talked to the branch manager, XXXX XXXX, who after trying herself to reach someone was not able to do so. She looked me in the eye and swore she would call me back that same day, not tomorrow not next week, that day, and she would not go home until it was resolved, hahaha!!! It is now XX/XX/XXXX, I just got off the phone with my insurance company and the bill still has not been payed, so I made a partial payment so as not to get cancelled by the insurance company ( {$210.00} ) I am at my wits end, I have done everything, I pay my bills on time and for them not to answer the phone and lie straight to my face and not even call me back, I mean what am I supposed to do?
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| 07/01/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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At this point I'm filing a separate report for Fifth Third Bank retaliating against me for closing my account please notice the attached letter I am sending the bank must think this is some type of Joker game after they made several errors on my account it is been well aware and in advised that I would be closing this account I had sent all pertaining documents as requested to Fifth Third Bank as they sent me a letter asking for more information I mail that off about two and a half or three weeks ago to the company in regards to an XXXX dispute the company had more than enough supporting evidence that I had tried to resolve the issues with XXXX and that XXXX was having issues on their platform which led to a trip I was on being altered by several miles due to the app freezing I have said all of that documentation to Fifth Third as requested as I've said and now they're telling me that without my permission or authority they have reopen my account and closed it back with a negative balance and I reporting it to a consumer agency so at this point along with this complaint I will be filing a complaint with all regulating agencies over this bank and filing a small claims lawsuit against the bank for defamation of character and for now opening and closing an account once again without my permission or authority and for sending me this oblivious threat I've never seen such a financial institution operate in a bully type of status
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| 09/02/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This so called collection agency has called me multiple times. They called about an old 5/3 account I had well over 10 years ago. It sounded funny so I personally contacted the bank to which a letter was delivered to me saying my account was closed, charged off and that they were not looking for any funds/ restitution on the old account. Furthermore, they also said " Fifth Third Bank has not contracted with ANY company to contact you ; ANY company that may have called you regarding your previous account with us is NOT acting on behalf of Fifth Third Bank. '' The " case '' manager with this " business '' claimed that I wasn't answering her questions so she escalated my case to the escalation department. Thats when things got funny. The lady claimed she was the director of communications for escalation and that I needed to pay the account or she was going to make sure my accounts were frozen, my income would taken, and anything I owned would be taken away. I informed her that I contacted the bank and they informed me they did not contract with them and she began to yell at me and even threatened my family. She told me she wold inform the military that I refused to pay a debt. I asked her why she was yelling at me if she was a law firm this is not how you speak to anyone. She proceeds to tell me that she was going to push my case to the top of the file and see to it that my accounts were frozen, assets taken and then hung up.
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| 07/27/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I been dealing with a business account with fifth third bank since XXXX of last year...
Since I open my account I had ongoing issues the ATM deposits don't have a deposit date ... they can be in process until they want to...
They choose with check to cover having the money in the account..
And I get charge de returned fee to clear up I get the charge money back The square deposits get returned But these last on XX/XX/XXXX XXXX deposit cash at the teller ..my husband deposit XXXX into the account and I also deposit a check in the ATM in Illinois my account was frozen with any notification I Try to sign into the account to transfer for one account into another and I did nat have access I figure out it's because of the weather I call the bank the explain to me is because of the check to go to the near by location and present where the money came from .and I Did but I was mistreated In top of it.. I was told in a sarcastic way was I was doing in Area if I live in XXXX
That I counter fit checks..
In addition the last remarks was if I sold drugs..
I walk away Today XX/XX/2023 went to the bank I had open the account with the prove of everything they asked for ... it was send to the investigation department 15 minutes later I was told to bring more XXXX more to the bank to cover a check they returned..
So am out of {$4900.00} and am still waiting on the manager to contacted me...
I was told in 24 hrs it's been over that
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| 10/31/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Sometime in the first week of XX/XX/XXXX, I saw a text in my phone requesting applicants to apply to carryout a survey assignment with XXXX, to which I applied.
2. On the XX/XX/XXXX, I received a XXXX XXXX Cashiers check in the mail in the sum of {$4700.00} along with instructions purportedly from XXXX requesting that I purchase XXXX XXXX XXXX XXXX and undertake some survey activities in XXXX XXXX ( letter enclosed ).
3. I thereafter lodged this check in my bank ( fifth third bank ) and my account was credited in the sum of {$4700.00} seeing that this was seemingly genuine, I thereafter started carrying out the assignment and reporting my progress to the scammers via text.
XXXX. Again, on the XX/XX/XXXX, I received two other checks also in the sum of {$4700.00} each which were also lodged in my account.
XXXX. It was latter on the XXXX and XXXX XXXX, XXXX that my bank returned the checks as unpaid/ fraud advise after I have carried out most of the assignment. ( Bank statements attached ) XXXX. PRAYER : Fifth third should be made to return my money in the sum of {$7500.00} as well as {$45.00} charged as return fee for the XXXX checks Totalling {$7600.00} XXXX. After the purchases of the gift cards, I was supposed to make {$1300.00} from the survey.
XXXX. I am usually careful when it comes to finances, but fifth third bank made me believe all was well.
XXXX. Counting on your assistance towards this recovery, please.
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| 10/18/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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On XX/XX/2018 I wanted to make a purchase online and the seller I was in contact with said they took payments through XXXX. Knowing that XXXX was already built-in to my bank 's app, I felt comfortable with that assuming XXXX had the same or similar policies in place to XXXX so that if anything happened I would get my money back. Also because it was part of my bank 's app, I assumed they would have a contract with a company that supported their customers. However, I sent {$360.00} on XX/XX/XXXX, with the seller proceeding to give me the runaround and a fake tracking number. They stated they dropped off the package on XX/XX/XXXX, but I never received the package. I contacted XXXX multiple times but they could not find any history on the package. After realizing I got scammed, I found multiple other reports of people getting scammed through XXXX. I decided to send a XXXX money request and invoice to the seller through the email I paid money to on XXXX, but they have yet to respond. My bank also does not claim to return the money to their customers as it was an " authorized '' transaction. It may have been authorized initially, but there should be some way of getting your money back in the case of not getting what you pay for. Also, I had to do my own research to find out that they do not have any protection policies in place. When I registered for XXXX, there was no disclaimer that stated their policies regarding scammers.
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| 06/01/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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received a voicemail Wednesday XX/XX/XXXX at XXXX via phone number of : XXXX ( XXXX ) XXXX, stating the following : " this message contains a personal note is for we are calling to make you aware that there has been a complaint filed on your name you have an opportunity to contact the filling party and handle this on your round to stop further action they can be reached at your case number is XXXX, failure to respond will result in further action to a solution ''.
They called again today XX/XX/XXXX XXXX from the same number advising that they could confirm my last four to my social as well as informing me I have a balance of {$790.00} due to Fifth Third Bank from XX/XX/XXXX. That I would need to make a payment today, I have two options : 3 months paying XXXX, or XXXX in full. I stated no I would like verification and was told that at this point it would be unnecessary, and I could get proof of debt once I agreed to make a payment now, or set up a [ payment plan with a card. I asked for a name and address and was told for their own protection they do not give out that information, I could have my lawyer call. I spoke with XXXX at extension XXXX. He was able to provide me with a different reference number outside of what was left on my voice mail of " XXXX ''. He asked if I was able to make an installment of {$50.00} and again biweekly until balance of {$390.00} was paid in full, advising me that I had until XX/XX/XXXX.
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| 04/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX I found out that 5/3 Bank improperly managed my escrow account on my home mortgage again. I paid my mortgage payment/insurance but they failed to pay XXXX bureau insurance 2 separate occasions, then their 3rd payment failure left me unknowingly without homeowners insurance from XX/XX/XXXX until XX/XX/XXXX. They also failed to track down money they paid out of my escrow for the homeowners insurance for XX/XX/XXXX to XX/XX/XXXX but say i was not covered, my {$1200.00} is still missing months later & no one has contacted me. Due to negligence by 5th/3rd Bank , my house was unprotected for over 365 days! Once I found out, I got a new policy with XXXX effective XX/XX/XXXX. However 5/3 bank just sent Me a letter ( XX/XX/XXXX ) stating that they purchased a policy on XX/XX/XXXX for {$2700.00} that I have to pay but doesn't cover me, it only covers the 13 days that it took for me fix their mess & get a new homeowners policy XXXX XXXX XX/XX/XXXX. THEY JUST DID THIS AFTER I FILED THE 1ST COMPLAINT, THIS IS CLEARLY RETALIATION AGAINST ME, THE SOLE PROVIDER TO A FAMILY OF XXXX! EVEN THOUGH I PAY MY MORTGAGE PLUS {$300.00} EXTRA EVERY SINGLE MONTH WITHOUT FAIL. THEY HAVE THE NERVE TO FAIL TO PAY MY ESCROWED INSURANCE POLICY ONTIME SEVERAL TIMES NOW, LAPSED MY HOMEOWNERS FOR 365 DAYS PLUS THEN TRY TO CHARGE ME THOUSANDS FOR THE COUPLE WEEKS IT TAKES ME TO SORT OUT THEIR MESS! 5TH/3RD BANK IS TRYING TO STEAL OUR HOME!
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| 10/14/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX, someone got into my XXXX account and made XXXX unauthorized withdrawals, The first transaction was for XXXX and the second one was for {XXXX totaling {XXXX I reached out to my bank which is Fifth Third Bank and notified them that it was not an authorized transaction, they told me they would do an investigation and I would get my money back within 7-10 business days, I waited and waited and didn't hear back from my bank, on XX/XX/XXXX the same person or company came back again and tried to make another XXXX more transactions of XXXX XXXX XXXX XXXX On XX/XX/XXXX they processed another transaction of XXXX but this one was reversed by the bank on XX/XX/XXXX, I reached back to Fifth Third bank for a follow-up, and l was informed that unfortunately, they were unable to help me get back my money since I reported the issue after XXXX hours, They explained to me that they have a policy that states that if you don't report a fraud transaction on your account within XXXX hours you lose your money, I was informed that at this time I was going to lose the money and was advised to close my account as someone had access to it, This policy was never explained to me at the time of the account opening and neither of the people in the bank knew about it, I just want my money back and I don't feel like the bank is being fair, also I don't want the same situation to happen to anyone who has a XXXX account with XXXX Bank,
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| 09/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I called fifth third bank for mortgage forbearance around XXXX of 2020. The forbearance plan was initiated but was cancelled shortly after before my mortgage for the month of XXXX was due. Fifth third bank officially cancelled it after I called in.
Afterwards I paid my mortgage on time for the next six months until XX/XX/2020. Thats when I called in to initiate covid mortgage forebrance again according to the CARES Act. This time I officially utilized it for 12 months. Fast forward to now its been a year and I have 6 month left on my extension for foreberance since CAREs act stated 18 month total for my situation, and the mortgage servicer confirmed I do qualify for 18 months.
While on the phone with their customer service representative they stated I can not have my full 18 months because XX/XX/2020 I called in to start foreberance. They are counting the 6 months gap between XX/XX/2020 to XX/XX/2020 as foreberance taken, even though I wasnt on the the plan becuase it was cancelled and I made all Mortgage payment due on time during that 6 months gap.
The customer service also lied on the phone stating they are doing this because its their investors policy. And the investor happens fo be XXXX XXXX which the representative gave me their customer service number. I called XXXX XXXX they have stated they never issued any policies regarding this and they abide by the CARES Act of granting 18 months of forbearance.
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| 05/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Fifth Third Bank did not apply my payments to the right account, then tried to charge me late fees for their error. Towards the end of the loan Fifth Third bank REFUSED to accept my payments, offering numerous excuses as to why : it was short {$0.00}, my payment was coming from a different account then previous, my husband wasn't on the account so they wouldn't allow him to make a payment, etc ... Once I got them to start accepting my payments again I was then informed they put the loan into a repo hold until I paid the loan in full, all the while still accepting my payments. I paid the loan off since I wasn't given any other option, only to have Fifth Third bank still send wreckers to get my vehicle! I called daily and Fifth Third would not accept my calls, seriously. When I would call I entered either my phone number, account or SSN when prompted and would get disconnected immediately. But I could get through if I entered as a 'guest ', and even then would still get 'disconnected ' when they would transfer me. I had to get my bank involved to demand Firth Third send the title.
I was living in fear, was bullied by this lending company!! One of the specific reps they would transfer me to would yell at me, laugh and tell me she didn't care if it was there fault, that Fifth Third WOULD repo my car even though I was making my payments and there was nothing I could do about it other than to pay the loan balance in full!
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| 06/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have an account with Fifth Third ( 5/3 ) Bank to service my mortgage. They misappropriated escrow funds and I tried correcting this with them via email which I never got a response. I sent the tax bills received. I currently live in XXXX XXXX although the mortgage company had information that stated I lived in XXXX XXXX. I tried rectifying this but, again, I received no response. I made a payment to the escrow account of over $ XXXX which the mortgage company had applied part of that payment to the loan which I attempted to correct on two separate occasions. It is unclear whether this is being addressed as I have left a message for them to contact me and yet I have not heard anything from this company. My mortgage payment went from approx {$2800.00}, to {$2100.00} to {$3300.00}. There has been confusion and I do not have a comfort level that the people who are servicing my loan are competent. I have made over payments to the mortgage as well so that those payment would be applied directly to the principle and not to the interest. This took place over the course of the loan which is now a little over a year old. I have not received any information regarding these payments that should have reduced the amount of the loan. Any help you can provide I would greatly appreciate. Ive also asked the bank on numerous occasions to update the correct spelling of the address on my account. They still have not done so. Thank you
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| 03/19/2019 |
Yes |
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Web |
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To all parties connected to this fraudulent mortgage loan origination matter. I have been misrepresented by the lender from Fifth Third Bank and the FHA appraiser from XXXX who Fifth Third Bank Mortgage department hired for both FHA appraisals. Fifth Third Bank Mortgage department intentionally submitted the wrong appraisal calling it an error. Why Im certain of this matter is because its protocol within the guidelines to submit the lower appraisal. The property that was purchased in question was a flipped property that required two FHA appraisals due to the property being put on the market within 91 days after the recorded deed date from the previous owner. The FHA appraisal overlooked the safety and the condition of the home. After receiving the clear to close endorsed by the underwriter DE from Fifth Third Bank Mortgage Department. On the day of closing I took possession of the property unknowingly, that the FHA guidelines wasnt met due to the safety and conditions of the home. Although, the report stated differently this home has multiple deficiencies that conflict with FHA guidelines. In concluding, these impairments to the property in question were not disclosed in any of the reports. My personal private inspection came back with 21 deficiencies conflicting with Fifth Third Bank 45 days prior. Due to these circumstances I feel my rights have been violated under the lender liability law and program guidelines.
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| 04/09/2018 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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I bought a home under a VA loan with fifth third bank in XX/XX/XXXX.In XX/XX/XXXX i got married and in XX/XX/XXXX we refinanced the loan with fifth third bank with the sole purpose of adding my wife 's name to the mortgage, this is a fact that was repeated through out the process so there was not any chance of a misunderstanding.On all of the paper work we have from the refinancing my wife and myself and consistently documented as co-borrowers and co-owners as well as requiring both of our signatures. The bank ran both of our credit scores to achieve the loan and my wife 's was higher so they used it to complete the loan.When we discovered her name was left off in the end we contacted the mortgage department at fifth third and they said unless they ran my wife 's credit score that's the only way they can add her to loan and we have that document but they are denying any knowledge of this. When we went to the bank with all of our documents showing both of us were on the refinancing papers as well as credit score ran and in addition a document stating that a notary public was there to verify that we were both in the room to refinance, they simply looked at the documents and said the only way they would correct their mistake was if we refinanced again at a higher rate. We feel like they are at fault and we are demanding that they add her name as originally agreed. We are getting no cooperation from them at this point.
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| 12/20/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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After changing my direct deposit I tried to do a mobile deposit, I was unable to I called the customer service and was advice that it was because of the type of account that I had and that I could change the account to activate the mobile deposit so I did. The closest branch from me is 10 miles Away I would not be able to get to the branch to deposit my payroll checks causing the account to go overdraft.
Finally I was able to deposit the check and now they are putting a 14 day hold on the check.
I deposited the check on Friday XXXX called on Saturday XXXX and was told that they would clear the check on Monday because I deposit the check after XXXX, Monday morning the check was still not cleared so I called and was told that the check would clear on Tuesday because Saturday and Sunday was not a business day. I waited on Tuesday the check was still not cleared so I called again and was told that it had a hold and would not clear until the XXXX I explained that I had no money available to me and that this was XXXX payroll and would not get paid again until the XXXX the banker told me to call on Wednesday and she would release the hold. Today I called spoke to the branch manager XXXX who now told me that he could not take to hold off I have no money XXXX is coming and I dont even have money to buy food to eat for the next 2 weeks until I get paid again let alone get gift for the kids I dont know how this can be legal
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| 10/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
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I asked Fifth third bank to investigate certain irregularity regarding a credit card account.
The Bank replied in a letter ( see attached ). They informed me, that I am " responsible for this account and any payment due ''.
This would apply if it was my account or a joint account.
However, the owner of this account is my ex-husband. My name is shown as 'User ''. ( see attached printout of the Bank 's internal document ).
Just a small detail : The owner re-opened this account ( XXXX XXXX ) after years of inactivity, he did not name me as authorized user. The Bank did not send me a card for this account.
Authorized user - is someone who is approved to use the credit card, but is not responsible for the credit card balance.
So, the Senior Vice President of the bank ( he signed the letter ) is holding me responsible for something he simply can not. And he should know it.
This account was provided to the credit agencies, which drastically decreased my credit score, because the owner of the account failed to make payments.
Because of the drop in my credit score, Fifth Third Bank drastically reduced my credit limit on my own credit card, even though I always keep low balance, have no late payment and always pay more than the minimum monthly payment.
My credit score before the Bank falsely reported this account to the credit reporting agencies, was : XXXX : XXXX XXXX : XXXX XXXX : XXXX.
Now my score is XXXX.
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| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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I have been making my mortgage payment online and have never delayed my payment. However, in XXXX my mortgage processer " fifth third bank ' notified the credit agencies that my XXXX and XXXX payments were late, They did it the same again in XXXX XXXX and XXXX. In both instances, I was traveling overseas for over six months and I had no knowledge of the change in escrow on my mortgage, which apparently increased my payment without my knowledge. I have subscribed for the online statement with Fifth Third Bank, yet in no time did Fifth third bank Notify me of new payment in email as a result of the change in escrow. I tried to log in to Bank 's website while overseas but I was frozen out of my account. Despite that, I had paid my total mortgage payment for those two months in both instances through online banking payment on time, minus the escrow difference. In addition, In XXXX, I was stuck overseas from XXXX to XXXX XXXX due to covid. Since I returned to the US in the first week of XXXX and discovered these discrepancies while checking my credit on XXXX XXXX, I made several attempts to call the Fifth third bank to resolve the matter but they are giving me a cold shoulder. My question to CFPB is, should I be penalized despite making my payment on time? Why should I be penalized when the bank failed to notify me and didn't allow me their web access that would have allowed me to see new payment after escrow changes?
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| 04/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I received an email that a charge was posted to my Fifth Third Bank Master Card credit card on XXXX XXXX. The same day I called Fifth Third Bank Customer Service Department and told them I did not make the charge, and asked them to cancel my card and issue me a new one. The card was still in my possession. The Merchant Name is XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois. The Amount is {$750.00}. I opened a Dispute the same day.
I was told they paid the charge as they received documentation validating the charge. The documents sent to me are not legible and when I called and asked them to read the information to me since I couldn't decipher them. I was told they couldn't do that and would send another copy, which was illegible also. I could read the Invoice # XXXX, which is odd. I asked for the dispute to be reopened. Since I could not reach anyone at XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, I contacted XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois, which is 345 miles from my home, and spoke to XXXX, XXXX. She told me they had no record in the database of a charge of {$750.00} on XXXX, and could not find my name in the database so they never did business me, nor do they do any business with XXXX, which from my research looks like an ecard reader business. I spoke with her several times and she had never even received a call from Fifth Third Bank 's Dispute Department. They have now denied my claim for the third time.
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| 05/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I called into 53 Bank today to check in as to why I was not having up to date credit reporting on my secured card with them and the representative informed me that they was a fraud alert on my card. I informed the representative that I was still able to use my card with no problem and that I was unaware of a fraud alert. I was transferred to a lady who put me through a huge hassle of finding my credit card because she acted like she had no other way of verifying who I was although the many times I have spoken with this department I did not have to have the card in place to go through the verification. The problem I had was that the lady wanted me to talk about some transactions from XXXX here on XX/XX/XXXX. I was outraged at how I would once again have to go through another bombardment of interrogation especially when I just went through all of this months ago. I asked the lady what department as far as FDIC or CFPB regulated 53 bank credit card and she was unaware so I asked if she could speak with her supervisor and find out and I don't know if they were incompetent or thought it was a joke but i found it ridiculous that the agent nor the supervisor knew what branch of government regulated them as a financial institution. It seemed very redundant to talk to a fraud department to protect consumers but one that was unaware of what government regulated the same laws they are trying to " enforce '' or " regulate.
|
| 08/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. 5/3rd bank was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XX/XX/XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. XXXX XXXX says verified on XX/XX/XXXX. XXXX says verified on XX/XX/XXXX.
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| 12/08/2022 |
Yes |
|
- Trouble during payment process
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Web |
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Fifth and third bank bought our mortgage for our original lender before covid happened. During covid me and my husband lost our jobs and where unemployed for about 3 months so we got behind on our mortage by 4 payments but we have been paying on time ever since. We got on one of the covid plans with our mortgage company and signed paper work to put our missed payments on the end of our loan. They refuse to honor that. We have been fighting with them for a year now about it. They keep sending us loan modifications that raise our monthly payments and we keep telling them we arnt signing them. We applied for a grant threw XXXX to get this taken care of. I applied in XXXX and they have been waiting on fifth and third to respond to their request since then. We have called them multiple times and told them this so they would contact them. They deny that they did try and contact them but then say that they did. Fifth and third call and harass us for payments constantly and we tell them the same thing every time they call. To either honor our original agreement to put the missed payments on the end of our loan or respond to the program we applied for and they dont want to do either and just make excuses. Now they took 2 payments from our bank account last month and are refusing to credit them to our account. Something needs to be done because this company is ridiculous and no one you talk to seems to have any answers.
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| 01/21/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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I am XXXX negotiating a short sale on behalf of a borrower in which XXXX Bank is the servicer and owner of the XXXX mortgage. They have indicated this loan has been charged off, but when I ask them for the guidelines of their short sale process I 'm told short sale approval is based on a case by case basis. XXXX lienholder is XXXX serviced by XXXX XXXX. The borrowers are entitled to relocation incentive which the XXXX Fifth/Third will not allow. They are also asking that the borrowers make a payment prior to closing and they will then issue us a second approval letter accepting XXXX {$6000.00} towards the XXXX lien. The XXXX borrower has a XXXX which will not allow him to work any longer and his health will deteriorate to ultimately cause death. We have been working on this file for months and I believe Fifth/Third could be breaking some rules. I 've contacted XXXX and have n't gotten much help there either. I just am told there are no guidelines, they wo n't tell me how they based their decision, and I do n't know that everyone is treated fairly with that sort of attitude. Can you tell me if there are government guidelines to charged off type loans or does the servicer/investor have to provide us with those guidelines. Seems strange that it is left up to XXXX person to determine the future of a borrower with no regard to any sort of guidelines. Guess if that person is having a bad day the borrower is screwed.
|
| 12/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
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Web |
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On XXXX XXXX XXXX leading on into XXXX XXXX XXXX my Fifth Third checking account was overdrawn. During this time 5 very small transactions went through my account as verification of that account. These transactions were from XXXX and XXXX XXXX. I use these services to send money to my sons in college. The amount of these withdrawals were {XXXX}, {XXXX}, {XXXX}, {XXXX} and {XXXX}. These five small withdrawals total {XXXX}. Fifth Third charged me {XXXX} for each of the above transactions. So {XXXX} ended up costing me {XXXX} in overdraft fees. Oh and after you verify what the exact amount of the withdrawals are XXXX and XXXX XXXX deposit those small funds right back into your account! So a withdrawal for 1 penny cost me {XXXX0}! When I called Fifth Third the lady I spoke to said their system only allows the reversal/reimbursement of {XXXX} in fees over the entire lifetime of the account. Seriously? I do n't think I believe that statement. So she did actually reimburse {XXXX} but where is the other {XXXX}? I 'm very upset about this matter and am seriously thinking about closing my accounts at Fifth Third and just moving all my money to XXXX XXXX banking. I 'm attaching photos of the transactions and all the fees added to my account. I 've never even heard of a bank that charges overdraft/return check fees on an amount less than a dollar. Oh and one more thing ... the lady I spoke to on the phone was very XXXX.
|
| 01/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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About two weeks ago, I garnered the courage at XXXX to flee an abuse relationship to the opposite side of the country : XXXX XXXX XXXX CA XXXX I got into my car, got onto I-10 and began the 2500 mile drive to a new life. I had no job, no plans, just a few hundreds in savings, a car, and a hope for a better future. I stopped at a XXXX truck stop fueling station in the middle of the night to take a shower in XXXX XXXX, CA, where I later realized I had lost the binder containing all of my credit and debit cards and bank documents. I started reviewing bank statements and apps, soon realizing that my Fifth Third bank card was being used all over the local area it was lost in. I attempted to stop the bleeding by calling XXXX XXXX call center, but found that it is only open from XXXX EST, yielding me no other option than watching almost all of my funds drain by the time the call center finally opened.
I called the bank, explained my situation, and was told that I could not receive a new card for three weeks at a minimum, and a provisionally fraud credit was promised within eight days. Its been now two weeks and have received no documents related to my case, no provisional credit, no assistance whatsoever, from the small town bank that I placed my trust in.
Im facing some of the darkest days of my transition, and facing default on debts because of the fraud this other individual imposed on my account.
Help.
|
| 11/20/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
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|
This is a second complaint. Dont waste my time. I am Mr XXXX XXXX XXXX from XXXX XXXX. I would like to report a suspected money laundering and fraud incident and request a recall for a number of wire transfers made from my account in XX/XX/2020, in the total amount of XXXX USD. At the time these transfers were made, I wished to use the services of an online merchant by the name of XXXX XXXX, who I contacted through their website www.searahealths.net which claimed to provide me with facemasks. In order to receive the shipment, XXXX XXXX instructed me to transfer money to a specific beneficiary, XXXX XXXX, that had an account with Fifth Third Bank in the United States. After I settled the payment I expected to receive the masks. When I did not receive the masks that I paid for, they kept promising me that they would refund my money but have not done so. They are not replying to me any more. This situation has hurt me a loss and is a very big financial loss. I feel very stressed and need psychological help. I am reaching out to XXXX, to assist me by requesting the beneficiary 's bank, Fifth Third Bank to launch a fraud investigation against the beneficiary company, XXXX XXXX and reverse ( or recall ) the transfers if the funds are still available in XXXX XXXX 's account. Finally the beneficiary 's bank rejected my requesting. Further action : I have reported to XXXX XXXX Police. Case references : XXXX in XXXX
|
| 02/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
Fifth Third Bank report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. Firth Third bank received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account.
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX.
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, Fifth Third Bank received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.
|
| 08/05/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
on XXXX/XXXX/2015, My bank at that time, Fifth Third of XXXX XXXX Ohio accepted a fraudulent check that they knew was fraudulent because it was flagged immediately and cashed by someone using my identity in another state. On that date. I immediately went to my Fifth Third branch and told them that they should not accept any check and to verify the signature before releasing any funds. I WAS VERY SPECIFIC IN THAT I TOLD THEM TO NOT TO RELEASE ANY OF MY FUNDS AT ALL WITHOUT MY EXPRESS APPROVAL IN PERSON. They already knew it was a fraudulent check, but cashed it anyway, as they had called me into the branch. They claimed that I had authorized release of funds from this person in another state and accused me of money laundering and that they were closing my account and not giving me my money back, which was well over {$2700.00}. Even though I had been a customer for over 14 years ; They cleared me of wrong doing, they refused to give me any funds back and refused to do business with me. I had insurance specifically for this through the bank. No signature verification was done, and I also had daily limits on my ATM withdrawals prior to this- so this had to have been done by a teller. I asked them to call the police or the FBI, which they refused to do. I told them that I intended to do so, and they threatened my, telling me that the burden of proof would show that it was my fault, and that I would go to jail.
|
| 05/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Monday, XXXX XXXX, my car was repossessed from the parking lot at work. I pay my loan through Fifth Third Bank, and have made regular monthly payments ( plus extra ) for the agreed amount when I purchased it. According to the bank, I did not have full coverage insurance ( which I did. They had my policy number on file when i called to investigate. ) they then said they had sent me letters, but they had miss-typed my address by XXXX digit, so i did not receive any notice. In XXXX, 2015, I was made aware of the insurance issue, told them that there must have been a misunderstanding and had the declaration page faxed to them and also XXXX to my work ( which I still have on file ) I faxed over the same information on XXXX XXXX. The insurance branch reversed the charges accumulated, but collections still demands i pay all of it including : {$1200.00} for what i supposedly owe, {$89.00} for late fees, {$560.00} for the repossession fee, and any extra fees for me to release the car from the lot. There are several complaints similar to this XXXX on the internet that i have read in regards to Fifth Third Bank. I have personal property in my car. I do n't know how or why things have gone to this seeing as how i have made my payments every month. I do n't know how I will keep my job that is XXXX miles away. And I also do n't know if I will continue to be charged after my car may be sold off. Please help if you can.
|
| 03/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2023 someone called me from Fifth Third Bank Fraud Department 's official phone number and identified themselves as a Fifth Third Bank employee attempting to verify transactions made I'm a different state on my checking account. They listed charges and dollar amounts I did not recognize them so I stated they were fraudulent. They placed me on hold while they marked the charges as fraudulent. They stated they were resetting my online profile because it showed someone else logged into my online Fifth Third account in a different state. The call suddenly disconnected and seconds later a {$1000.00} charge hit my checking account. It was listed as a XXXX transfer to someone named XXXX XXXX along with the person 's phone number. The person that called me was a hacker that spoofed Fifth Third 's Fraud Department phone number and XXXX 'd themselves {$1000.00} after hacking into my Fifth Third online account. I immediately called Fifth Third Bank Fraud Department ( the same number the hacker spoofed ) and filed a dispute. On XX/XX/2023 I received a letter in the mail from Fifth Third Bank stating they denied my dispute for the {$1000.00} fraudulent charge. I literally gave Fifth Third Bank the XXXX information I found from the person who stole my money and the screenshot I took of the call log showing the fraudulent call cane from Fifth Third Bank and they still denied my claim. I need your assistance.
|
| 03/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Fifth Third bank has improperly reported on my credit report a late payment. I have tried with them and through the XXXX to get them to reverse it and they refuse. I contacted them the day my business was mandated closed by our state and had numerous phone calls and emails with numerous staff and not once was I told that I had to call any other person or number to note that my small credit card also needed stopped. My mortgage, business line of credit, and bank accounts all were stopped vis the branch manager and the staff I called or emailed and I had no idea I had to contact yet another number for the small crest card I have with them. The CARES Act notes that once you contact them they should stop all reporting. Fifth Third did not specify that multiple parts of their company needed to be contacted. The branch manager even tried to help me with this because it is absurd considering the volume of communications and problems I have had to try to survive through this. I contacted them even before any COVID processes were in place and then almost daily for weeks with the issues I had. As a small business owner trying to survive, this has hurt my credit report SO much. The payment was only {$35.00} and I have almost all of may accounts with them Not only did they not tell me to call another area for this, I never did not have {$35.00} to cover this. This is sheer harassment and unethical in such a time.
|
| 07/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
Credit line with 5/3 bank since 2011. During COVID pandemic really trying to stay on top of payments and improve credit limit. Online banking amount that showed amount due always met and made by due date. However apparently what amount showed was not amount due at time. No notices, phone calls, emails. 5/3 Manager just stated that ran credit history and due to report they decreased credit limit by over {$1300.00} in XXXX swoop. No notification prior to change, letter apparently sent out day of ... .still waiting on that. However decrease was automatically lower than the up to date balance automatically placing me BELOW the alotted credit limit and therefore now have a negative balance which has already taken effect on my credit score!! No purchases made on card except one yearly membership due to trying to pay down credit and get our of debit. All determined focus in trying to improve my credit score has been crushed with one drop of XXXX points by this. No warning, no notice, just cut without reason!! In a World Wide pandemic and good pay history with company after almost 10yrs, this is how I am rewarded. I am more than frustrated that this can just happen. Where is the backing to the consumer ... ... I can understand if I hadnt made payments or there was a justified reason but this is really disheartening and now my credit score and livelyhood moving forward with XXXX XXXX kids is just left to deal!
|
| 11/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Fith third Incorrect information on a credit report XXXX XXXX I have a XXXX XXXX XXXX with XXXX XXXX and dealing with this company has been a nightmare. Agents from XXXX XXXX have contacted my job and family members ( family members not associated with my account or loan ) all under the guise that " they are trying to get in contact with me '', which is not true. They have taken unauthorized payments from my account which were never returned. This entire experience has been traumatizing and extremely stressful. I'm convinced that their tactics are intentional and lead to emotional distress. Their corporate office is completely unprofessional. Specifically, my MOST unpleasant experience has been with their corporate account specialist XXXX. She is completely unprofessional and absolutely intolerable. She is rude and condescending and his attitude is completely disgusting. He uses intimidation and insults as a means of negotiation. I am so frustrated with how this is being handled that I am prepared to take this to litigation. I have asked on NUMEROUS occasions to be assigned to another account manager and he has made it his joy to terrorize me weekly. I have even said on NUMEROUS occasions that I would be willing to settle if I had another account manager. At this point, he's a bully and it's very clear that XXXX XXXX does not listen to their own phone call recordings. XXXX XXXX is the ABSOLUTE WORST!
|
| 02/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX I received a phone call from a company saying this was their second attempt to contact me to sign for documents regarding a debt that they were collecting. When I called the number given to me back ( XXXX ) and gave them my case number of XXXX XXXX XXXX let me know that someone would be coming to my house to deliver paperwork about a debt that was going to be pursued and I had to sign the paperwork and legal action was going to be taken. I was told the debt was {$720.00} originating from Fifth Third from XXXX. She then said if I paid this amount over the phone and settled the debt then they would stop all legal action which could include a lean on my property, wage and income tax refund garnishments as well as revoking my license. The information that I was given regarding the company is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. When I XXXX this it is a XXXX Store. The paperwork sent to me while on the phone with XXXX and her bullying was enough to make me fall for this scam and I stupidly gave her my debit card information over the phone. It wasn't until I got off the phone that I actually had a moment to think and process this whole thing and realized I was scammed. The company does not come up on any XXXX search, neither does the phone number. I have called my back to try and dispute the charges and cancelled my debit card to prevent further fraudulent charges.
|
| 09/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
AroundXX/XX/XXXX I asked Fifth Third Bank to update my loan balance to the ( 3 ) credit reporting bureaus over the phone what I got was about 10 minutes of unpleasant, agitating and discommoding conversation which led me to ask for a supervisor who also had a similar unsettling attitude, what resulted in the request for updated balance was on around XX/XX/XXXX the bank had now retroactively reported 4 missed payments ( 1 ) going back to XX/XX/XXXX ( 18 months later ) and the other ( 3 ) payments going back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 11, 12 and 13 months retroactively ).
I filed numerous disputes with the credit reporting bureaus and Fifth Third Bank directly, I received about a half dozen or so responses from Fifth Third Bank but they never answered why they went back and retroactively reported the ( 4 ) missed payments after reporting the loan with no missed payments since its original loan inception of XX/XX/XXXX to mid XX/XX/XXXX they also to this date acknowledge they never notified me of the negative reporting to the credit agencies before or after the negative reporting.
Their investigation and written responses were also not accurate and can be proven by fact, I have asked them to delete the negative reporting and informed them of the violations under FCRA of their duties as a creditor/furnisher of negative credit reporting and of the violations of my rights as a consumer.
|
| 12/31/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
On XXXX XXXX, 2015 I viewed my online checking account through 5/3rd banking and I realized I was in an overdrawn state of $ XXXXin my checking account. I was charged recurring for 3 days on XXXX XXXX, and XXXX without notification that my account was in a negative state. Upon paying the balance I called the customer service at XXXX and spoke to both a XXXX and his manager XXXX and I complained that I was not notified via email or even by phone that I was in a negative state. I did however receive a letter on the XXXX of XXXX stating that my account was overdrawn. I told both gentleman that it was unprofessional and uncourteous of the bank to not notify me sooner about this problem. XXXX the manager said that the bank does NOT notify by email or phone and that they only notify by only by letter. My concerns are that if this is the case why did a letter not come any sooner and why did it take 7 days for me to be notify. I am also concern that since it was a holiday weekend had I not been home for the holidays I would not have known about this problem until afterward and could have potentially been hit with more overdraw fees. Upon opening the account I had asked the bank to not process anything if there were not sufficient funds in my account. I suspect that 5/3rd computers are program to send letters after generating more than XXXX overdraw fees recurring thus putting the consumer in financial risk.
|
| 07/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello, We have a mortgage with Fifth Third Bank of Cincinnati. We've had the mortgage since XXXX of XXXX. I'm an engineer in the tech field and experienced a XXXX layoff this year. During that time, we became behind on our mortgage. I returned to work several months ago but have been unable to come to a resolution to begin making payments again toward my mortgage. I'm more than capable of resuming payments plus adding some of the arrearages to my normal monthly payment. I have been working through an online system called the " XXXX XXXX XXXX '' in which I submit my application, upload documents, and exchange messages with Fifth Third employees. I am now on my third iteration with this group. I provide all required documentation ( pay stubs, bank statements, hardship summaries, list of household expenses, etc ) By the time Fifth Third looks at the documents, they state I'm over the allocated time. Fifth Third then closes my application and requires me to start again. This has been going on for 3 months and counting. Call their mortgage department takes anywhere from XXXX minutes to XXXX hours to reach a person. If you call during busy periods, they require you to leave a voicemail which is never returned. ON XX/XX/XXXX, we received a foreclosure notice of a court filing. We are in desperate need of help. We've been paying Fifth Third interest on this mortgage for 16 years. We want to keep our home.
|
| 09/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
5/3 recently updated their site to a different format. They removed the section that shows the minimum payment due, most recent payment amount/date, and whether or not this amount has been satisfied with any recent payments.
This is making it very difficult for me to determine whether or not my recent payment ( s ) have satisfied the minimum payment due and whether or not I might be late on a payment. This has led me to call 5/3 for the past 2 cycles ( once on XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX ) and voice this concern. Nothing has been done.
On XX/XX/XXXX @ approx. XXXX XXXX EDT, 5/3 stated that they will not record my complaint, only forward an email to their Innovation Team. I requested that they escalate the matter, research and resolve it, then re-contact me. This request was denied.
The agent on XX/XX/XXXX also told me to add my checking account information onto the 5/3 site in the " Make a Payment '' section, stating that this would let me see what I was requesting. In my opinion, it should not be this difficult or obscure to get payment information. Secondly, I prefer to pay this credit card the same way I pay my others : through my personal checking accounts ' online banking. I do n't want to input my account information onto another website. 5/3 telling me that they need non-5/3 payment information just to tell me if I have a payment due, seems ridiculous.
|
| 11/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a checking and a money market account ( MMA ) with Fifth Third Bank online on XX/XX/2023 and set up a link of these accounts with an account my XXXX and I have at XXXX XXXX. After the link was confirmed, I initiated within my login at Fifth Third two ACH transfers from XXXX, one for {$10.00} into the checking account at Fifth Third and another for {$25000.00} into the XXXX at Fifth Third. The {$10.00} deposit was processed successfully on XX/XX/XXXX and there is no issue with it. However, Fifth Third never deposited the XXXX XXXX transfer into my XXXX at Firth Third, even though they had debited the amount from our XXXX account on XXXX XXXX, XXXX. Furthermore, they locked my accounts such that I could not login to access my accounts. Subsequently, Fifth Third sent a letter to me threatening to close my accounts and report to credit bureaus such that other institutions may not do business with me in the future. I called Fifth Third and went to their local branch twice and spoke with the assistant branch manager. They kept telling me to ask XXXX XXXX to file a claim to get my money back, even after I had both the 53rd manager and a manger at XXXX speak to each other on the phone directly.
The fault is 100 % Fifth Third 's because they had my funds and there was absolutely no reason for them not to deposit my funds into my account. However as of today ( XX/XX/2023 ), the issue persist.
|
| 09/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
My wife would like to pay down on the principle on our mortgage. She wants to speak with someone in Mortgage at XXXX ( XXXX ) directly. Please bare with me in explaining my problem. XXXX has an XXXX number that when used by the caller ask for SS # or checking account number. Here is the problem. My wife doesn't ( and I mean literally doesn't ) know our checking account number, neither does she know the password to the account. This is all factual, She doesn't know it. My wife hates internet banking, and prefers to pay her bills over the phone or pay creditors by mail. All we are asking is that XXXX provide a direct phone number to their mortgage department. A supervisor by the name of XXXX said that XXXX has no direct number to their mortgage department. I asked her to repeat that, and she did. It is hard to believe that this bank wouldn't have a telephone number per their mortgage department. If we are successful in a getting a number to mortgage, my wife will provide her name, her Social Security number, the address of the home, the name of the second name on the mortgage and the last four digits of my Social Security number. From there she would like to give the account number of her bank and the routing number of her bank for which she would like have money withdrawn from and forwarded to XXXX towards our mortgage. Again having the phone number XXXX mortgage is all we're asking... thank you
|
| 12/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I purchased a XXXX Can Am XXXX XXXX XXXX, XXXX ending in XXXX in XXXX with MB Financial as lien holder. Bike was paid off in XX/XX/XXXX. 5/3rd bank now holds the title as they acquired the loan from MB Financial when they bought MB Financial in XXXX. I learned in early XXXX that the bike was still listed in Florida vehicle title records as having MB Financial as the lien holder, which was why I assumed I had not received the title. I called 5/3rd 's XXXX XXXX XXXX MI office XXXX XXXX on XX/XX/XXXX, spoke to " XXXX '' XXXX who connected me to his manager, " XXXX '' and on a later call, after contacting my local DMV to learn FL had not received the title, I spoke to XXXX. XXXX and XXXX both told me the title had already been sent to FL but neither gave me the date that occurred. XXXX stated she would have it sent again and a letter sent to me stating the vehicle was paid off that I could take to the DMV to get the title transferred to me. I told her the state of FL said a transfer of title from MB to 5/3rd was needed, and XXXX stated that info would be in the letter to the state. As of today ( XXXX XXXX ) I have yet to receive the title or said letter XXXX spoke of, and bike is STILL listed in Florida title records as having MB Financial as lien holder. I have contacted the State Attorney General of both FL and MI and both responded with filing a claim with CFPB to get assistance in this matter.
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| 04/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
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Web |
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I made a purchase from a store in XXXX XXXX that I often visit the country. The store name was XXXX XXXX the very next day I took that purchase back because I couldnt fly home with it. They gave me a receipt and explain within 10 to 15 days the money review returned to my account about 21 days later my money didnt show up so I contacted the Dispute team from the credit card at fifth third bank. They expressed that the receipt was in XXXX the dispute team claim that they did an investigation, and determined that I did not take the product back. I later discovered there was no investigation, and the Dispute team gave me a XXXX denial the fifth third fifth third Dispute team shows a level of incompetence that is frightening Dispute team, representatives and supervisors .insouciant behavior is shameful as a US citizen using their services and complying with their terms of service. Fifth Third is obligated to do what they can to protect me their client from scams related to purchases and returns. Five months later I returned to the XXXX XXXX and went to a print establishment and they translated the receipt into XXXX and that receipt explains that there was a return made and gives an XXXX number for that return fifth third has still refused to return my money and denied me the proper protection as their client is supposed to receive now as a XXXX XXXX citizen, I question what is their motivation?
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| 11/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I suffered damage to my home during Hurricane Michael and received a check from my insurance company for XXXX dollars. I notified Fifth Third Bank that I wanted to use the funds to pay off my mortgage, I received a letter from them date XX/XX/XXXX acknowledging my request for payoff and instructions on how to indorse check and where to mail. I also received a payoff that was good till XX/XX/XXXX. I sent them the check endorsed by my wife and I with the account number notated on from and the request to pay off my mortgage, I have the receipt from the postal service where I mailed the check and I am showing on my account where they have cashed the check and listed it as an unapplied credit. I have called several time to get this resolved and was assured that my account would be paid off as of the XX/XX/XXXX. I received a letter dated XX/XX/XXXX advising me that all late fees and negative impacts on my credit report would be waived or retracted and that they hade posted my payment as instructed. I call this afternoon and was being transferred and was put on hold for over thirty minutes and I hung up. To me it would have been as simple as them endorsing the check taking my balance owed and mailing the rest back to me. I still don't have my money and now they say I am late on my payment. I am a XXXX XXXX XXXX XXXX XXXX veteran and this is causing undue stress that I don't need. Can you help me?
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| 09/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I deposited two checks on XX/XX/2022 to my Fifth Third checking account. One from my mother for {$1500.00} and another for {$480.00} from a settlement. My account at the time was overdrawn by {$270.00} and while I had thought perhaps one check might be held I had deposited several checks from my mother that were not so I had no expectation there would be any problem.
Imagine my shock when I checked this morning XX/XX/2022 my deposit shows as pending but I am still negative. I received no text or alert and they are holding not one, but both checks until XX/XX/2022. This is deliberately keeping my account negative and will cause more transactions, including my car payment and an IRS payment to be returned when I should have more than sufficient funds to cover both.
My account has been open for almost a year and I receive direct deposit of my paycheck and never had any check I deposited returned. This seems manipulative and predatory.
I spoke with a branch representative when my account was new and I had a hold on a mobile deposit. He specifically told me if I did not use a mobile deposit I would not have a problem.
I am going to have fees from both Fifth Third and various companies if these bills are returned unpaid. I reached out to them and explained everything and they basically said too bad it is what it is. I received nothing when depositing or after that these would be held.
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| 05/06/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Fifth third bank engages in several practices that encourages overdraft situation, The most flagrant is that they have a policy that if your account has been overdrawn in the last 30 days you are not allowed to deposit into that account using the online app.You are able to deposit into their ATM.
I experienced this situation over the last 2 years since I have been using their mobile app.
On XX/XX/2020 I deposited a check from XXXX insurance for {$210.00} dollars but was forced put deposit in a savings account and founds were not available until Tuesday the XX/XX/XXXX XXXX.I was finally allowed to move over checking account but in course of those days I incurred {$140.00} in overdraft fees that would not of occurred in the deposit was put into the correct from the beginning.I contacted the telephone banking reps and they were not informed of this policy only the supervisors were aware.
I asked to have the fees reversed and they were not willing to do that.
I called the branch a filed a complaint but nothing has been done, This is a predatory practice that's preying on individuals struggling financially and particularly in this time of the Covid 19 quarantine is not an acceptable practice The second practice I have experienced was they randomly put 10 day holds on deposits and this has caused me 2 late payment marks on my credit report, the latest one was in XXXX of 2020 to XXXX XXXX,
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| 02/07/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I was recently scammed on XXXX, for a false job opportunity that was given to me. The " company '' sent out a check for me to deposit to go towards getting supplies for remote work. The funds were deposited through my mobile banking app through 5/3 bank on XX/XX/2023. I received a message on XX/XX/2023, stating that the funds were available. I was told by the " employer '' that the funds should be available and asked for me to confirm. I did confirm they were deposited into my account, and from there he offered for the " company '' to overnight a laptop instead, which required me to send the funds back. I did this through XXXX on my mobile banking app and XXXX XXXX, between the dates of XX/XX/XXXX and XXXX. On the morning of XX/XX/XXXX at XXXX XXXX, I did check my mobile banking app and noticed the negative balance, which let me know I have been scammed. At XXXX XXXX central time, I called 5/3 bank to let them know about the scam and to inform them I had filed a police report, a report with the XXXX XXXX XXXX and I spoke with the hiring leader of the actual company, whom the scammers posed as. He also described my situation and said that this is a going thing and they are working with XXXX to resolve the issue. Fifth Third still chose to close out my bank account and required me to pay XXXX dollars within thirty days or set up a payment plan, after I was scammed and reported the scam.
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| 08/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I discovered {$630.00} of fraud charges on my credit card and contacted my credit card Fifth Third Bank. They closed that credit card and issued a new credit card.
XX/XX/XXXX I received a letter from Fifth Third Bank Dispute Resolution XXXX XXXX XXXX XXXX, GA XXXX stating they have initiated an investigation and have requested information from the merchant and I would be notified when matter resolved.
I was never contacted and called them at XXXX on XX/XX/XXXX, XX/XX/XXXX ( was told it would be corrected in 2 days ) called back in 2 days on XX/XX/XXXX not resolved. Told to call back in 3 days. Called on XXXX resolved and would not give me details of dispute. Called again on XX/XX/XXXX, XX/XX/XXXX. I can not get answers and informed Fifth Third they have exceeded the allowed 60 days.
on XX/XX/XXXX, {$630.00} of fraud charges that were transferred to new credit card were credited then they put {$550.00} of the fraud charges on the old credit card. I called them and they stated they closed the previous case due to time restraints and opened a new case. WHAT-is that legal! I have read the Fair Credit Act law and it clearly stated they have 60 days to resolve.
XX/XX/XXXX, I called them with no return call. it has been almost 90 days and no resolution and they have been very rude. Fifth Third customer service is horrible.
Is this how they valued a 25 years+ customer!
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| 02/26/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Older American |
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I've been managing my three accounts ( one checking, two savings ) online using my personal computer for many years. Despite many attempts, I have been unable to log-in from XX/XX/22 through present ( XX/XX/22 ). I discussed the issue with my local branch on XX/XX/22. The rep did some checking and had me try to log in using different browsers, to no avail. He stated he'd advise XXXX, who would work with me to resolve the issue. I never heard from XXXX, and called the branch again on XX/XX/22. Rep stated there was nothing they could do and advised I seek help from corporate customer service, which I did on the same day. That rep researched the matter and reported that there was a known issue concerning browser compatibility ( affecting various browsers, not just the ones I'd tried ). She stated she could not provide an estimate of when the problem would be resolved, and advised that I simply keep trying to log in each day.
To date, I've been denied online access my accounts for at least 8 consecutive days, which has prevented me from transferring funds electronically, confirming automatic deposits and payments, obtaining documents, etc. Researching online, I found that many other customers of this bank have also experienced long-term lockouts to their accounts. XXXX XXXX XXXX XXXX XXXXfifth-third-bank ) I find this matter to be a breach of the bank 's responsibility to its customers.
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| 12/10/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I opened a personal checking account with Fifth Third Bank XX/XX/2019. At the time of opening a {$250.00} promotional code was attached to my account. The terms were to deposit {$500.00} in the account within 45 days and maintain a {$500.00} balance for 60 days. I deposited {$500.00} on XX/XX/2019 so XX/XX/XXXX would be day 60. XX/XX/XXXX just 2 days from qualifying for the {$250.00} bonus, I discovered {$130.00} pending charges on my account from XXXX and XXXX XXXX which are fraudulent ( I don't purchase adult beverages ) and caused my balance to go below {$500.00}. What's strange about this is I've never swiped the card at any payment terminal or made any purchases with the card online. In fact, the debit card never left my home. I've since contacted customer service, and they are working on the case # XXXX. I am now having mixed feelings about banking with Fifth Third Bank as I've heard the exact same thing happened to other customers. I do not see how Fifth Third Bank can offer an Identify Theft Protection product when it can not protect customers debit accounts especially when the debit card never been used or left the customer 's possession.
I've been told by many others the exact situation where a debit card has been charged without ever being used occurs often at Fifth Third Bank. This seems to be a pattern and Fifth Third business practices should be thoroughly investigated.
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| 08/05/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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I reported my identity compromised and debit cards stolen on XX/XX/2021 to my bank Fifth Third National Bank. The cards were not canceled and an identity thief was able to conduct transactions on 4 different accounts using ALL 3 debit cards, making fraudulent and stolen check deposits and withdrawals at a banking center, transfers at a teller level, gained access to online banking and PIN number up until XX/XX/2021 even after NUMEROUS calls to disputes, bank protection, branch locations, and various supervisors. Several investigations have been done, without my oversight ( as bank protection has decided to close my accounts ), leaving me with no online access and XXXX frozen accounts. Due to the bank, and Vice President XXXX XXXX of the XXXX XXXX Fifth Third Branchs breaches of duties to protect my accounts, XXXX whom I asked personally to lock my accounts and he chose not to on XXXX XXXX resulting in MORE fraudulent transactions occurring at his branch, I am unable to withdraw any funds from wither checking account due to a negative balance in my savings. The investigation has stated my transactions were fraudulent and this imposters were legitimate, and was told there is NOTHING i can do. I have been served eviction paperwork in the 30+ days I have NOT had access to my funds. I SHOULD NOT BE LIABLE FOR THE BANKS FAILURES TO LOCK DOWN MY ACCOUNTS AFTER REPORTING TO THEM THE ISSUES!
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| 12/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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XX/XX/2020 went into fifth third bank at XXXX XXXX XXXX XXXX XXXX in XXXX ( not my bank ) and received 1 cash advance for XXXX with my XXXX XXXX. My credit card company listed me receiving 2 cash advances. First called bank fraud department who said I must dispute thru credit card company which I did. They closed investigation out even though fifth third sent documentation that only 1 transaction occurred and has batch report proving only one credit card advance for XXXX occured. XXXX XXXX says that the bank ran two advances regardless of the proof provided to XXXX XXXX of only one. XXXX XXXX says only way they will reverse charge is if the bank provides in writing its plan to reimburse me or them credit card company said I needed to take my statement into fifth third which I did XX/XX/XXXX and sat with bank manager for an hour who said she needed to contact their internal department to figure out where that XXXX went since it was not given to me. I call and bank manager doesn't speak to me just tells them to tell me she is still working on it. Fifth third f raud department refuses to launch investigation stating it's their policy that I dispute with credit card company. Credit card company refusing to do anything and closed dispute even though fifth third bank manager called and spoke to XXXX XXXX dispute department supervisor and explained it was their fault what can I do?
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| 08/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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We discovered that our Mortgage lender Fifth Third Bank have been for many years, treating us unfairly with our monthly mortgage amounts and payment of Principle and interest and our escrow amounts and balances.This resulted in a prolong legal battle between us and fifth third bank.After our lawyer won our case not once but twice, fifth third agreed to another modification in 2018 and agree to a new principle and interest amount {$260000.00} cents, we have accepted this new modification and have been paying on time, but fifth third mortgage department have been treating us unfairly and have since increase escrow payments on us, which they were not suppose to charge us, and have also increase the monthly agreed mortgage payments to more than $ XXXX addition to these complains, they have ignored the legal settlement amount that " no other amount but the said amount of {>= $1,000,000} cents is owed to fifth third bank from the XXXX, XXXX defiance to the law, and legal council Fifth third Bank has added a deferred balance of {>= $1,000,000} cents to our mortgage balance of under {$220.00} at present.In repeated contact to the bank, ourselves and our Lawyer they have not removed that deferred payment clause and, now it is causing us great difficulty, in starting a new project with the equity we have built up in our property.We need your help in resolving this problem as soon as possible.
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| 08/31/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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Web |
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I have been banking with Fifth Third Bank in XXXX Ohio, my branch was in XXXX, Ohio, near XXXX, Ohio. The bank was using unfair methods to tack on overdraft and additional overdraft charges of {$37.00} each. They were not taking credits and debits, online or in person at the bank, in the order in which they were presented. Many times I had online deposits coming in at XXXX or XXXX. of the banking day, but these deposits were counted last a the end of the day at XXXX. There would be debits taken out at XXXX that business day taken out before the deposits, it did n't matter what was pending or non-pending. A pending online deposit at XXXX was still posted after a pending debit from XXXX. Then at the end of each banking day, Fifth Third took out the debits first ... smallest to largest and then Fifth Third added the deposits last..smallest to largest. This would result in overdraft charges, sometimes multiple charges. I called the bank to explain to the manager and they always had an excuse and one time said I could come in and talk to them, but then the top XXXX managers were busy the next day. I felt like I was being ridiculed and often went to another branch on XXXX to avoid the XXXX branch. ***The problem was not that my funds were low, the Problem, as stated below this paragraph, was that Fifth Third Bank re-arranged their deposit and debit order to have more overdraft charges****
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| 10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I recently refinanced my mortgage account with 53Bank and my first payment was scheduled to happen on XX/XX/2020.
I wasn't aware automatic payment was already set in my account so I initiated a manual payment on my side for that month resulting in an overdraft in my account because of the additional payment. I called 53bank " customer assistance '' number and they supposedly helped me to correct the error. They were not clear in informing me exactly what they were trying to do to resolve my problem so instead of just helping to correct the error with the additional payment and reversing the corresponding overdraft fees, they reversed the 1 good first payment that had already posted to my account. This resulted in 53Bank reporting to credit bureaus they never received my first payment and being late more than 30 days. Now they are saying this wasn't a mistake on their side but instead suggesting it was my mistake because I requested them to reverse it which I don't recall doing. Again, I am calling them because they are supposed to know how their system works and how to better assist me and advise me but instead they are just washing their hands right now and saying there is nothing else they can do about it to help me eliminate that error from my credit report.
My attachment includes the detail I can see in my account showing 2 payments being reversed in XXXX instead of just 1.
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| 06/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I went to a concert event in XXXX on XX/XX/XXXX. When I paid for parking, the following Tuesday I noticed 2 payments posted to my account for the same amount. I called to dispute one transaction. 2 weeks later, I received a call saying that they need a receipt. The original parking place never gave me a receipt. I called my bank to advise them and they told me that they will not move forward without a receipt. After asking for a manager, the bank representative hung the phone up in my face. I called back and after a 30 mins hold I finally got a manager. The manager was not helpful at all. He basically wanted me to call the company again, even though I had no success the first time, and try to obtain a receipt. He refused to stay on the line, or even 3-way the merchant. Also, I don't understand if I was charged twice why a receipt would change anything. They advised me that they will not review my case until a receipt is provided. Even the manager at this point was trying to get me off the phone as he pushed me back to the merchant. Finally I opened a 2nd case as one transaction was done in XXXX florida and the other transaction was done in XXXX Florida. I have no idea what the XXXX transaction is as I was in XXXX during the timeframe and live in XXXX florida. Fifth Third needs to do a better job with assisting consumers with fraudulent transactions and not rush them off the phone.
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| 10/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
Older American |
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Fifth Third Bank has approved and processed a series of charges to my checking account from the following company XXXX, using an alleged debit card linked to my account, starting on or about XX/XX/XXXX and ending on or about XX/XX/XXXX. Please see the enclosed spreadsheet to show the series of charges that were on my statement that I logged into the spreadsheet for easy reference. I would assume that the company name is an acronym for XXXX XXXX XXXX. None of the products were either ordered by me, or delivered to either my mailing or physical address.
In addition to the erroneous charges that were made to my checking account, I have never used a debit card from Fifth Third Bank ever in my experience with this bank. I have on several occasions asked for them to cancel the card permanently, and not send me any debit cards. They did initially send me a Debit Card when I opened this account back in XXXX, but I destroyed the card and did not activate this card.
I consider these charges to be both erroneous and fraudulent. At no time were these charges authorized by me, and they were being paid using a debit card that was not authorized by me. I did contact Fifth Third multiple times in order to address this issue, and while some of the charges were credited back to my account as listed in the spread sheet, Fifth Third currently refuses to cooperate with me in resolving this matter.
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| 03/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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In XXXX of XXXX, I bought a brand new XXXX XXXX XXXX XXXX bike in California from a dealership. I financed XXXX of the dirt bike through their loan company. XXXX XXXX. XXXX XXXX did not require any insurance on the dirt bike for the loan because it is an off highway vehicle only.
Sometime during XXXX of XXXX XXXX XXXX went out of business and Fifth Third Bank took over the loan. I was unaware of this and did not receive any mail, email, or phone calls. They collected my auto payments. When Fifth Third bank took over the loan they immediately added forced insurance on the loan. I have been contacting them multiple times and get different answers every time. They won't tell me when the added the insurance, and give me answers like " maybe, most likely, I think. '' My Balance is incorrect and I would have been willing to add my own insurance if I was given the option.
I have tried to work this out with Fifth Third bank but get a different person every time who contradicts the previous person. I am not allowed to see any of this information online. I was told by a supervisor that if I got my own insurance and called back that they would remove their forced insurance. I immediately got my own insurance. I was then called back by a different person and told this was false information.
Please hep, I would just like the balance corrected, the payments corrected and my own insurance.
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| 05/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/2021, I went to the Fifth Third Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX to open a checking account. I had an invitation code that gives me a {$250.00} welcome bonus. XXXX XXXX, the banker who opened the account for me, didn't use my invitation code and stated that she already has this offer in the system and will apply it to my account.
When I went back home, I realized that she signed me up for the {$150.00} welcome bonus instead of the {$250.00} so I went back to the bank and this time I met with XXXX XXXX, the branch manager, he asked me to email him the invitation code, which I did. He reassured me that he will manually add the additional {$100.00} after I meet the requirements.
On XX/XX/2021, I received an email from XXXX XXXX saying ; I am reaching out to inform you that we have submitted the adjustment for your {$250.00} bonus offer and it will be credited to your account after processing.
On XX/XX/2021, only a {$150.00} bonus was posted to my account. On XX/XX/2021, I emailed XXXX XXXX to inquire about the additional {$100.00}. On XX/XX/2021 She replied ; I have been working on getting the other half of your bonus. I was told to submit another form for the correction and then you should see your {$100.00} in your account.
It has been 6 weeks since the {$150.00} bonus posted to my account and I still didnt receive the additional {$100.00}.
|
| 06/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I had my credit card ending in XXXX cancelled without any notice given on XX/XX/2020. I contacted customer service and spoke to a supervisor who said her name was XXXX, employee Id XXXX. She told me it was cancelled since I had not used it in six months. I asked her why I was not notified, even the courtesy of a phone call or email that it would be cancelled for lack of use, and she abruptly stated they are not required to do so. I explained to her that part of the reason for non use was due to COVID-19 but she couldnt care less.
I told her I had {$35.00} in cash rewards on the card and she told me they had been cancelled. I asked her to reinstate the account and the cash rewards and she outright refused to do so. I ask her then to send me a cheque for the {$35.00} and she refused. I asked to speak to her supervisor and she refused, stating I could only complain to the bank president and only by regular mail.
I have been treated in an appalling, disrespectful and insensitive manner by a bank who I had dealt with for several years and my account was in good standing. I would like the bank to reimburse me the {$35.00} that I legitimately earned. Fifth Third Bank is reaping millions of dollars by summarily cancelling customer accounts without notice and forfeiting their rewards. Any reasonable person would view this type of conduct repugnant if done by anyone, let alone a bank.
|
| 01/16/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
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Web |
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XXXX XXXX on XX/XX/XXXX allowed a person who cashed my life insurance policy which was only in my name who committed forgery signing my name to deposit the check into their account and not even endorcing to themselves. When I found out I went to the bank I contacted my life insurance company XXXX XXXX XXXX and got their fraud department involved in it. They took money back out of her account to send back to XXXX XXXX XXXX and the person gave false documents stating I had told her to do it. She used her own fax machine called pretending to be me and the bank then put the money back into her account. Then I told them oh wait let me show you exactly what was stated to me via text that a check came in both our names she did n't say what for I had recently XXXX my twin grandson and thought a donation I was in XXXX XXXX but I have XXXX and believe me I need my life insurance that my Grandpa started on XX/XX/XXXX. The bank sent back the money to XXXX XXXX XXXX again but then the insurance company sent me the check wanting an additional 400 plus more along with check to reinstate my policy because of penelties interest etc. gave me 3 weeks to send all that back. I did n't have the money my XXXX cost XXXX to XXXX XXXX XXXX. I lost my insurance for a mistake I was not even part of. I feel everyone was at fault but me. I did n't have money to hire an attorney so I lost all the way around.
|
| 08/25/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
in XX/XX/XXXXwe were doing banking at our local 5/3. An extremely aggressive loan officer approached us & asked if we were interested in equity lines. We were n't but sounded intriguing. Long story short we took out lines on several paid up properties that we owned. NO appraisals were ever done. In retrospect WORST MISTAKE OF OUR LIFE!
We have faithfully paid on these for 13 years. We are in our XXXX 's & now difficult to make these payments. We asked 5/3 for help. We worked with XXXX XXXX, Office of the President & it truly sounded as if we could get relief. We jumped through hoops & completed all of the requirements for a loan modification. Worked with XXXX XXXX, Senior Vice President -- all along he said our application was pending. We had 3 equity lines which for sure most likely were fraudulently appraised -- or not appraised at all. We have articles showing that 5/3 made bad loans between XX/XX/XXXXtoXX/XX/XXXX In return 5/3 accepted {$3.00} billion in federal money from the Troubled Asset Relief Program.
These properties will NOT go into foreclosure but it is extremely difficult to make these payments -- In return 5/3 has raised our interest rate THREE TIMES since we began the loan modification process.
We asked for either a loan principal reduction or at least reduced interest rate. THEY HAVE NOT OFFERED ANY HELP AT ALL!! Please we are hoping you can get through to 5/3.
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| 05/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Received unwanted marketing or advertising
|
|
Web |
Older American |
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Fifth Third Bank keeps sending me emails addressed to XXXX XXXX XXXX. I do not know who this person is, but they somehow got my email. There is not a category for this issue, but I've called, and emailed, with no response, and did so again after another round of emails saying I've changed my user name and contact information. After an hour on the phone and 2 agents, I was told my complaint was emailed to " XXXX '' who would get back with me in 7 to 10 business days. She could not provide me with a copy of that request, nor email me confirmation of the complaint. I don't believe there will be any response ... again. They can't tell me if I have an account registered with them, using my contact information, including my email. They keep asking me for my Social Security Number, but I refuse to give it since I never opened an account with them, and have no idea how they or Mr. XXXX XXXX got my contact information.
I'm requesting : To be notified in writing To be notified in writing if an account has been set up in my name.
How they got my contact information and what is going on.
I want my email and any other contact information they have removed from their database.
I want to be assured there are no fraudulent accounts in my name, or contact information. If there is an account registered to me, what are the last 4 digits of the SSN # I want these emails to stop.
Thank you.
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| 10/02/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I went into a local Fifth Third Bank because I had a check to deposit and I had been unable to login to my 5/3 app, so I wanted to see if they could fix it. They fixed my app login and when I logged in I saw that my savings account had less money in it then it should. I looked at the transaction history and saw that on XX/XX/XXXX a check ( # XXXX ) was posted for {$8800.00} to XXXX XXXX, whom I do not know. Then on XX/XX/XXXX there was another check ( # XXXX ) posted for {$5600.00} to XXXX XXXX, a person I also do not know. I have never bought checks during my time as a 5/3 member. The signatures on the checks were not mine. It was after business hours, so I called the dispute team on XX/XX/XXXX and spoke with a lady and they emailed me paperwork to fill out. I returned the Statement of Fraud paperwork back to the 5/3 dispute team on XX/XX/XXXX via email. My case number is XXXX. I received a letter from them in the mail today that was dated XX/XX/XXXX. The letter states that my transaction dispute for {$14000.00} was denied because " the time frame for submitting a disputed transaction is thirty days after your related statement end date. Unfortunately, the dispute was submitted outside of that time frame. '' They never informed me that there was a window for dispute claims when I had called them on XX/XX/XXXX, and that was 30 days after the related statement.
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| 08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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We financed a car loan with fifth third bank and recently paid off the loan early, or so we thought. Our account showed a XXXX balance and everything on our side showed paid in full. There was apparently an outstanding balance of XXXX cents that was charged afterwards as interest. We were never notified of an additional balance. No one ever called us to collect payment. We received no notification there was anything outstanding. Everything we had including our customer portal showed a XXXX balance on the loan. Today we were notified an account was put into delinquency status on our credit and we immediately started looking into what the issue was. After calling the bank we were informed for the first time that there was XXXX cents outstanding that had gathered another XXXX cents in interest for a total of XXXX cents owed. Again, we were never notified either through written or verbal notice that any amount was still due and the information available to us showed a XXXX balance on the loan. It disturbs me greatly that a banking company would neglect to contact their customers to collect payment especially on something as small as this. We never missed a payment on this loan and paid it off years early. The negligent and purposefully harmful way this case was handled is nothing short of malicious predatory lending in order to collect as much additional interest as possible.
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| 12/25/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I went to the Fifth Third branch in XXXX, Illinois on XX/XX/21 to deposit two money orders, one for {$270.00} and one for {$100.00}. I asked to deposit them both and get {$100.00} in cash. The teller informed me that because I had less than {$100.00} in my checking account ( my balance was ~ {$25.00} ), I would need to pay a {$5.00} fee in order to get {$100.00} in cash. I decided against paying the fee and deposited both money orders instead.
This was surprising and rather nonsensical for the following reasons : -How does my payment of a {$5.00} fee make it any more likely that the deposited funds will clear?
- Money orders are practically guaranteed available, unlike personal checks.
- This fee seems specifically in place to target low balance accounts.
-This is a high fee compared to the amount of cash I was trying to withdraw. 5 % of {$100.00} is a 5 % fee simply to access funds a day or two earlier.
It would make sense to hold the funds according to the funds availability policy, if they are truly concerned that the funds ( although they were money orders ) would not clear. However, allowing depositors expedited availability at a fee, is more indicative of a short term loan, than a funds availability policy, since a {$5.00} fee does not make it any more or less likely that the funds will clear ( again, we're talking about money orders not personal checks ).
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| 07/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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My fifth third credit card account was not reporting correct information to the credit bureau I made multiple attempts to call into the credit card department I spoke to multiple supervisors no results then I get a message from the vice president on XX/XX/2020 name XXXX XXXX she left a voice message on my phone indicating to call her I made multiple attempts to reach out to her right after receiving the message with them two days I noticed my credit score has dropped I looked at the problem and it shows that the account is closed I tried to reach out to XXXX XXXX multiple times and receive no call back and no answers I have also called the credit card department explaining to customer service the situation no solution and no help so my credit score was not reporting correctly then she turns around and close the account can't reach her not getting any car back and now my credit score has been affected because of this ever since I open the account with Fifth Third business not been reporting correct information to the bureaus they are not reporting every month I have tried in multiple ways to get this problem fixed and I am the one that is getting affected by the situation even worse during the covid-19 improper handling and abuse of my account information being reported to all three credit Bureau missing information and different information dates amounts are different
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| 11/21/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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On XXXX XXXX an employee of ours forged my name on a company check and cashed it for {$2000.00}. After an audit of the account in XXXX this fraudulent check was found. I went to the police and they obtained pictures of her cashing the check, the cancelled checked. I pressed charges against her, she admitted to signing and cashing it and she was arrested and charged accordingly. We filled out a Domestic Collections Fraud Packet Information with 5th/3rd Bank on XXXX XXXX. 2016, and submitted it to the Bank. After countless phone calls and transfers to different departments to check on the status of the Forgery/Fraud Instrument Affidavit we were advised it could take up to 45 days before review and refund of our money. Today we received a letter from the Dispute Resolutions Manager at 5th/3rd Bank, that our claim for Check Fraud had been declined due to " past time frame to dispute ''. It was less than 4 months before we found the forged check. I do feel this is adequate time in which to gather information and proof of this crime. The is a business account and is very active. The 5th/3rd Account is a secondary account and was not immediately looked into for forgeries. We feel that only giving 30 days to file the Forgery/Fraud Claim is not sufficient time for a crime taking place at a business, After all, it takes 5th/3rd Bank 45 days to come to a decision on this claim.
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| 07/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Hello, I held a mortgage with Fifth Third Bank and refinanced with another lender around XX/XX/2022.
I had mistakenly made XXXX 's mortgage payment ( {$940.00} ) to Fifth Third as my account was on auto-pay. I was told my escrow funds with the bank were applied to my final payoff, and my XXXX mortgage payment of {$940.00} would be returned to me in the form of a check in the mail as it should have never been remitted due to the timing of the refinance closing.
At this time, I never received the check, and I am told the check was mailed out on XX/XX/2022, and cashed on XX/XX/2022. I have been following up with Fifth Third Bank for months trying to get information on the cashed check.
I have not received any check imaging from Fifth Third Bank after numerous requests and now that it's been almost three months. I suspect the check may have been cashed fraudently and I am trying to verify this and figure out how to recoup the funds.
Fifth Third Reference Number - XXXX Unfortunately, after almost three months and multiple attempts of trying to retrieve check images, and trying to resolve this with Fifth Third Bank, I do not feel they are responding appropriately and now need to escalate this matter to CFPB.
Please let me know if there is any additional information I can provide or be of any further assistance at this time.
Thanks, XXXX ( XXXX ) XXXX XXXX XXXX
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| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Fifth Third Bank is my mortgage provider.
Fifth Third Bank locked me out of my bank account by disallowing my email ( XXXX ) after 1.5 years of having this email. Unbeknownst to me, a hyphen was no longer accepted. When I realized that I could no longer access my online banking I went into Fifth Third Bank to make a mortgage payment and deposit money into my account.
Fifth Third failed to apply my payment towards my mortgage and deposited the payment into my checking. The account balance was not adequate prior to my deposit to cover the mortgage. I also have optional overdraft coverage enabled which failed to cover the mortgage charge even though Fifth Third states that bill pay is covered by the overdraft coverage feature.
I discovered that Fifth Third Bank reported to the credit bureau that have been past due on my mortgage twice and went to speak with my local branch manager. She stated that if I applied a payment with the late fee that it would not post as past due on my following monthly report. The branch manager made the payment in her office on my behalf only to discover that it was still reported as past due. I have been current every month following this misapplied payment.
With many failed attempts trying to work with Fifth Third Bank to revise this I am formally submitting this complaint and will further escalate this to legal action if not revised.
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| 05/20/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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Fifth Third bank but a hold on funds on my account for two weeks without informing me. IN the terms and condition it does say your funds are subject to a POSSIBLE hold of up to 10 days. I would think that the bank would be courteous enough to inform you if this hold is occurring on your account or not. They are not. They let me attempt to use the card and be forced to contact them to find out what was going on when the account did not work. I was given XXXX answers of why I got a hold by Fifth Third. 1 was that I was a new account and they had to verify the funds and the bank was the only ones who could do it. The second was that the account was overdrawn and that because the I made the deposit through the ATM that the atm automatically held it for XXXX days. The third was that since I deposit the check yesterday but it was dated for today they held it to make sure the funds would post. I left with complete confusion as to why my account was placed on hold. I still did not receive a answer and the staff in the mean time were extremely rude to me. I was hung up on twice and when I specifically requested a letter stating that their decision is preventing me from being able to pay creditors I have and they denied the request. My issues is not the policy my issue is the Bank not informing you when your account it put on hold and when asking not getting one clear answer.
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| 08/13/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Incorrect information on your report
- Account status incorrect
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Web |
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Fifth Third Bank incorrectly listed my second mortgage loan as " reaffirmed in bankruptcy '' from XXXX. They use an external company ( XXXX XXXX XXXX ) to process their bankruptcies. This service filed a reaffirmation agreement with the court that was subsequently disapproved. Fifth Third never updated their record as " discharged in a bankruptcy '' from " reaffirmed ''.
XXXX XXXX XXXX says : " it's not our fault..we just process '' ... .Fifth third says : " It's not our fault ... we use an outside service '' ... the credit bureaus say : " It's not our fault, we send the dispute and they leave it the same ''.
In three weeks of research I finally got the data to fifth third and they claim they updated their records to " discharged in bankruptcy ''. BUT ... .they say they won't report it to the bureaus that way. And of course the bureaus won't change the data on their own.
The XXXX amendment to the Fair Credit Reporting Act mandated ( section 623 ) that data providers must adhere to the same requirements of reporting ACCURATE DATA as the bureaus. Just because they suffered a loss in a bankruptcy is no reason for them to adopt a cavalier attitude on maintaining accurate records.
I filed a CFPB complaint against the bureaus on this and they washed their hands of responsibility. I am filing this one against Fifth Third and hoping the CFPB will protect my rights.
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| 05/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have applied a mortgage with fifth third bank as I have account with them and I had experience with them is banking service.when I applied for the loan, I checked with loa n officer whethe r there is any issue with my credit or the subject property. Loan officer ( NMLS XXXX ) said it looks good. They needed to do the appraisal for the property to review underwriting. before underwriting they have received condo questionnnaire from condo association. I was rejected for the loan. One owner owns XXXX or XXXX unit in the building and they found that it is not meeting the XXXX XXXX requirement. Then this loa n officer in formed me that they are applying for an exception. Finally they send me the loan rejection confirmation letter. While I was contcating other lender they asked me about single entity ownership as a first question. Also finally I have received a conventional loan from another bank when they applied for an exception. This loan office did n't check the very basic information and he asked me to pay for {$490.00} for appraisal which I paid. So I have asked for a return of that money to the 53 b ank board nad they refused to pay back. This loan harrasment and {$490.00} payment happened only due to their fault. Also the loan office lied that they are going to apply for exception and he did n't. he confirmed me that when I called to check.
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| 03/11/2019 |
Yes |
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- Trouble during payment process
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Web |
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A few months after closing my 2018 mortgage with Fifth Third Bank, the bank sent me a forced flood insurance policy and added the monthly premium to my escrow. The forced flood insurance policy is for {$3000.00}. A similar policy is less than {$250.00}. I received the first higher payment in XXXX 2018 and immediately contacted the bank. I explained to them that I live on a second floor condo and was not requiered to have flood insurance. This info was also in the closing docs and was never requested as manadatory by the bank for closing. Since XXXX the bank has been forwarded the flood zone docs for my property. A few weeks after sending the flood docs to the bank, they claim to have never received them. They were sent a second time. On XXXX XXXX, 2018 they sent me a letter cancelling the insurance. The letter shows a prorated amount, still charging me for XXXX months. I have made several attempts since XXXX for a refund and credit to my monthly escrow and have been unsuccessful. The bank is non-responsive and I have tried several times to visit a local branch. These visits have been unsuccessful as the bank claims they can not handle this issue from a local branch. There seems to be a general lack of care from the bank and a designed business practice to force flood insurance on their clients. This is placing me in a financial hardship and no end to a resolution.
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| 11/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I received a Jumbo loan in XX/XX/XXXX from Fifth Third Bank. It was a 7 year ARM. I have never been late, never missed a payment and in XX/XX/XXXX asked 53 whether they would refi my ARM into a 30 year fixed. I paid them the application fee, submitted all docs, incurred fees from my CPA and Tax attorney and book keeper to provide additional requested documents. My current payment is $ XXXX/month. The refi would have decreased the monthly payment, lower the interest and locked my into a 30 year fixed.
53 which is the current lender, pulled a hard score of a medium XXXX FICO. After the pull, it obviously went down a few points. I am a preferred bank account holder, which was required to qualify for the refi. It requires a minimum balance of XXXX.
After reviewing the entire application, it was denied. Regardless of the fact that 53 is my current lendor and I pay XXXX a month, never late. What 53 did was assess the value of my loan at a ARM, induced me into filing an application, paying a fee, incurring additional fees to produce additional requested docs, pull a hard score ( lowing my score ), which makes it harder to reapply, and determine that the refi at a lower rate is a lower payment and 53 prefers to have my locked into the ARM at a higher rate.
I am livid and feel I was misled. This is a fraudulent scheme and predatory. Locking me into a higher payment.
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| 11/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Since the end of XXXX, I have tried multiple times to log in and pay my mortgage through 5/3rd 's online payment system, through which I have made multiple previous payments without incident. The number they give you to call to resolve the issues doesn't allow you to speak directly with the appropriate department. After multiple calls to 5/3rd bank , they informed me that they were updating their systems, and they were unable to verify my identity due to the lack of a phone number or email address on file. After finally getting in touch with a representative were informed that it would take 30 days to verify our phone number and allow us to log in ( making our mortgage late ) and then we would have to call back in 30 days to ensure that 5/3rd had processed it. We verified our identities over the phone ad added an email and phone number, only to try and log in again and have it not work. We called back and were informed that there was no email or phone number on file and that we'd have to wait 30 days again. Once We started speaking to the supervisor he gave us a bunch of lip service and advised that the first time we spoke with someone none of the information we verified or input was there and that the rep that transferred us to him had misinformed us that it was only 14 days. They rolled out this new security update without notifying their customers in advance.
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| 06/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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This involves Fifth Third Bank and XXXX XXXX in XXXX, Texas. Our Automobile was totaled and we had Gap insurance. The gap insurance paid their amount however XXXX XXXX did not pay their share of the bill. Accordingly the bill kept appearing in the mail that we owed {$1300.00}. We called XXXX XXXX and told them that they have to pay the remaining amount due to Fifth Third Bank. They acknowledged that they will in fact pay it. In the meantime the bills kept coming to our address and we kept calling XXXX XXXX and telling them that they still need to pay the bill. They kept saying that they will take care of it. However come to find out that because of this Covid-19 situation they never got around to paying it. In the meantime the bills kept coming and finally I noticed that Fifth Third Bank was turning us in the credit agencies that we have late payment on record. XXXX to be precise. This took my credit from a XXXX down to the high 600 's. Finally XXXX XXXX payed the bill but in the mean time my credit score is terrible now.
My objection here is that somebody needs to fix my credit score and take those three late payment off my record. If you check my record you will see that it's clean with the exception of these 3 late payment. My social security number is : XXXX. Please check.
Regards, XXXX XXXX -- Co XXXX XXXX XXXX -- Car Owner Thank you in advance.
XXXX
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| 10/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
Older American |
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I was a victim of identity theft on XX/XX/2022.
Today I called the Fraud department of Fifth Third Bank and the customer service department and asked to have a security password placed on my account. They told me to visit a branch location. I advised them to look at my address, I reside in XXXX XXXX area and there are no branches near me, so what is the process for those customers residing outside the bank footprint? They said there is nothing in place.
I consider this an act of a privacy issue. I want to secure my credit card and they have no options for me thus to me, creating a privacy risk for those that have a 5/3 card but reside outside of a banking area. This is a compliance issue and a regulatory issue, especially when I advised them I was a victim of identity theft and needed additional security protections on my card.
This shows a gap in their privacy, compliance and risk management policies and procedures. Customers like myself can not be protected is what they are telling me and that is not an acceptable answer.
The CFPB should investigate this bank for the lack of risk measures to assist card holders outside their banking locations with a process to secure our credit cards. This shows a lack of judgment on their part and a total lack of not protecting my privacy to secure my credit card after an Identity Theft situation or any situation.
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| 08/08/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
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I was scammed for {$1000.00}.
On the afternoon of XX/XX/2022 I had an interview with a company called XXXX. I believe that I was having a interview with a hiring manager XXXX XXXX and then I was hired for a job. On XX/XX/XXXX, The hiring manager sent me a check to get my equipment via XXXX because the job was remote. I cashed the check putting it into my account and on XX/XX/2022 I was to send money via XXXX so I can get my equipment to start working for the company XXXX. I sent {$1000.00} to what I thought was a design team XXXX XXXX to program my equipment and I was scammed for {$1000.00}. When I realized what happened I was devastated. I immediately called the bank and setup a dispute for the {$1000.00} Monday the XXXX, because I have been scammed and it wasnt a real job I was catfish by someone and {$1000.00} with zelled to someone and I have no idea who they are. Once they received the money the person stop responding. The teller on the dispute team was aware of what I had went through stating this had happened before and would put the dispute through today XX/XX/2022 I received a Correspondence stating that they denied my dispute in all my accounts have been closed. I dont know what to do. I need help with this I Sincerely thought I was getting a new job to help with me and my daughter finances and I was scammed and I shouldnt be penalized for it.
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| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Fifth Third Bank is falsely reporting a 60 day delinquency to the Credit Bureaus. In XX/XX/XXXX I obtained an auto loan for the purchase of a XXXX XXXX XXXX. In XX/XX/XXXX the vehicle was rendered a total loss due to an auto accident through no fault of my own. XXXX XXXX paid 53 Bank over XXXX as the payoff in XX/XX/XXXX, and there was a remaining balance owed of approximately {$2000.00}. I spoke to someone in your Total Loss Department of 53 Bank about the remaining balance, and she advised me to request the refund of the vehicle warranty which would pay off the remaining balance. I promptly made that request to the car dealership, and subsequently, they sent 53 Bank the full warranty refund which exceeded the XXXX remaining balance because I receltly was sent a check from 53 bank for {$600.00} for the excess. How can the payment be 60 days delinquent when XXXX XXXX promptly paid you XXXX on my behalf in XX/XX/XXXX? An XXXX payment puts me years ahead in payments does it not? It appears that once 53 Bank received the remaining balance from the warranty, they reported this account 60 days delinquent to the credit bureaus. This false report has caused my credit score to drop XXXX points,. Consequently, I am not able to secure financing for a replacement vehicle.
Therefore, I am asking that this inaccurate report be removed from my account immediately.
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| 09/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I disputed a charge on a credit card with 5/3 Bank Mastercard. I unfortunately got sucked into a scam with a company called XXXX that offered services that supposedly helped businesses get small business loans. It turns out they just opened credit cards in my name and told my I could get cash from them. the fee for getting me what turned out to be four consumer credit cards that I could have applied for on my own for free was almost 7,000.00. That fee was charged to the XXXX XXXX that they had opened in my name. When I realized what was going on I called the credit card company and closed the account and asked to dispute the charge. After not hearing anything back for about a month I called to follow up on the dispute. The fraud department informed me that tis kind of charge can not be disputed, and that it ti a XXXX Policy. I asked to speak with someone else and a supervisor came on the line and told me " sorry, you have no recourse, there is no dispute possible with this kind of charge ''. He also told me there was no one else to talk to. I asked him for the contact info at XXXX, was told they did n't have that. I asked who gave the resonce from XXXX and what Department and was told the email was n't signed. He suggested I could XXXX XXXX and try and get in touch with them. Also that 5/3 considered the charge valid and would be expecting my payments.
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| 08/31/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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XXXX XXXX we used bank card to pay for car repair {$280.00}. My husband was going to transfer from savings to checking but forgot. At the time we had {$1400.00} in savings and the accounts are joined together and we have overdraft protection. Well we were not notified and we kept using the card and for every transaction they charged us {$37.00}. We now have overdraft fees in the amount of {$1100.00}. This while time no one transfered the money from savings and the card was able to be used. We went in Sat XXXX XXXX to make a complaint to the manager and he said it was above what he could do and he would email his regional manager and call us on Tues. Well he never called and we found out that someone had authorized all of our savings {$1400.00} to be taken out and they too his paycheck of XXXX and some change to make our account a XXXX balance. Well I called Friday to find out why no one had gotten back with us and still no answer. We feel that we should pay the fees from our mistake but they should not have take all of our money to which we now can not pay car payments rent to our house and all other bills that are due tomorrow. My husband went back this morning and still nothing is being done. Please if you can help us that would be great. My husband researched and found that in XXXX other states 5/3 bank has lost cases due to insufficient fund issues.
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| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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53 Bank filed a late payment on my credit reports by mistake. In XX/XX/2023, My wife called to make a payment with the bank ( our truck loan ) as usual and was told she was good to go. In XXXX, 2023 we received a call about a late payment from the bank. We told them she made the payment and the bank reviewed the account and confirmed whoever took that payment input the wrong account information. We were told by a representative the payment was going to be pushed to the end of the loan and no other action needed to be taken and we were good. Early XXXX I started getting calls again about a late payment and I requested to speak to a XXXX for clarification. They submitted what they call a " call review '' which they pull the recorded conversation and confirm what the issue was. Today, XX/XX/2023, I was told by one of the representatives they will not fix the late payment on my credit but I can certainly apply for a hardship to get the payment pushed to the end of the loan but will affect my credit. I mentioned to the representative this was an error on their end and because the first representative didn't take the right steps to notify us about the issue initially they put the incorrect account info now we are stuck with a late payment on my credit. She mentioned the only thing I can do at this time is file at complaint with the FTC and hope for the best.
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| 06/13/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX based in Ohio is a debt collector that garnished my wages on XX/XX/XXXX from my employer. I contacted them and they informed me they had a judgement from XX/XX/XXXX. I told them I was not aware of any court dates and have never signed for any certified letters from them. They said they were collecting for 5/3 bank from a account I had back in XX/XX/XXXX that was closed XX/XX/XXXX. The account was closed due to 5/3 overcharging customers for overdrafts and there was a class action settlement in XX/XX/XXXX that I was part of regarding 5/3 unlawful banking frivolous overcharges. I submitted the correct paperwork to be in the lawsuit that was finalized in XX/XX/XXXX. I called 5/3 on XX/XX/XXXX and told them about the debt collection agency putting a wage garnishment on my check and they said they never sold the debt to XXXX XXXX XXXX they said XXXX XXXX XXXX bought the debt and XXXX XXXX went out of business and XXXX XXXX XXXX probably bought it from them. XXXX XXXX XXXX said they don't buy debt and they are collecting for 5/3. 5/3 said my checking account was part of the settlement and XXXX XXXX XXXX should not be collecting for 5/3 since it was paid out in the settlement the balance should be XXXX for overdraft charges. I was part of the XXXX XXXX dollar lawsuit in XX/XX/XXXX. I submitted my info to the XXXX web site in XX/XX/XXXX.
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| 06/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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The ATM shut down at fifth third bank XXXX XXXX XXXX XXXX XXXX fl XXXX and did not dispense my cash, yet my account was charged XXXX dollars. This is my home branch and I pull the same amount from this ATM once a month. I opened a dispute and the funds were credited to me. 45 days later they reversed the credit. I asked for them to review security footage and was told they don't have any due to the machine being down. I received a letter stating the ATM was balanced and thats why my claim was denied but was told by a rep it was XXXX dollars short. They can not show me any evidence that I received funds. I contacted the teller XXXX while in the ATM drive through line to inform of the malfunction before I filed for the dispute. Now they have told me it will take an additional 30 days to conduct another investigation. I call daily to check the status and get different information every time, sometimes they even hang up on me. Camera footage would prove I did not receive funds and conviently they do not have it. They have no proof I received funds whatsoever but still hold me accountable for a malfunctioning machine. Seems to me I shouldn't have to prove my innocence, it should be the other way around. Never in my life have I been so upset with a bank, they have in fact stolen XXXX dollars from me and have no evidence whatsoever of anything otherwise.
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| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from XXXX XXXX, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Sincerely, XXXX XXXX
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| 07/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
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Web |
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XXXX weeks ago I got a phone call from a collection agency and I asked them nicely not to call my work. The following week he called my job again and left a message for me to call him. I called him back and told him the exact thing I said the week before. Yesterday I receieved a message at work from my boss that a lady called me and I did n't have time to call her. Today she called me again and gave me the same reference number as the man gave me. I asked her not to call my work. I am not allowed personal calls then she threatened to serve me papers at work if I did not call XXXX Ref # XXXX and speak to them. I called the number and ended up getting in a screaming match with the man because I felt like he would n't prove to me the paper work that was sent to him from the original collector. He was very rude and threatened me with turning me into the check card place to have me arrested. I was not saying I would n't pay what I owe I just wanted prove. I did offer him {$500.00} to clear the debt today and at XXXX he said yes. He put me on hold and came back with {$670.00} today and I told him I did n't have it. So thats when I wanted prove of all the paper work they had. They are claiming I owe {$1500.00} for Fifth 3rd Bank from 2012. I told them I needed to contact the bank first to see why I owed this and he got very angry so I hung up on him.
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| 07/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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I claimed Bankruptcy and been paying on Fifth Third Bank auto loan as I was supposed to. On 3 different occasions I called in to make payment and the representative failed to process payment appropriately and it never registered as being paid and this put me behind in the payment. I tried yesterday to make a payment and they informed me that I needed to pay the entire balance and that the vehicle is in repossession. My bankruptcy attorney is communicating with them. They would not let me make a payment. They claimed that there was never an affirmation agreement by the court submitted. My attorney informed me that they would not let her file it because the account was delinquent. The account was delinquent because they failed to process payments on 3 times that I called. I do not get any statements or correspondence from Fifth Third. I ask of a confirmation number and they give me an operator number but no confirmation number. I made my last payment on XX/XX/XXXX 2017 for {$400.00} which brought me to one payment behind. I would be no payments behind if there was n't such confusion. In addition, they kept bouncing me to Fifth Third regular business and Bankruptcy business and this further confused the issue because the two departments do not communicate appropriately. They are demanding full payment and there is no way I can do this right now.
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| 05/04/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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Dividend finance online system is faulty. I setup ACH payments. For some reason the XXXX payment shows past due for XXXX days even though I got a text message confirming that they received the payment and the payment history online shows that they received the payment. But now they are asking for another payment. I am not sure why they want a second payment for this month if they already received. The customer service rep lied and said I have always been XXXX month behind and have been playing catch up which is not true because I check my payment history since the beginning of the loan. After telling him that they are saying the bank returned the payment. I am looking at my bank history online and there are no returned payments. I would like the fees to be taken off my account and for them to remove any derogatory credit reporting as I have automatic payment and ample funds in my account. If they didn't process the payment that is on them, they have my permission to do so. I just made a one-time payment online and it says it is in process but I should've never had to make a second payment in the first place. The payment should have been processed via ACH the first time. The rep on the phone wanted my debit card number, something doesn't seem right about this whole scenario. The representative lied to me and now wants my debit card number???
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| 08/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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There are 2 major issues happening with Fifth Third Bank. 1. ) I was scammed out of {$1500.00} on XXXX XXXX. On XX/XX/XXXX I had hired and paid a company that was verified on XXXX to move furniture from my house to a storage unit. I didnt receive the service. After hours speaking with representatives & a denied dispute, I am still out of the money. I was scammed. What bank doesnt protect their costumers. I am now reopening ANOTHER dispute because they want me to prove I didnt receive the service. How do I prove that? Send a photo of the empty storage unit?! XXXX. ) Today, XX/XX/XXXX, I sent a XXXX transaction to my fianc for {$500.00}. The money was immediately removed from my account and I received a confirmation that the money was sent to my fianc. She was notified and she accepted the payment. She then got notice that THE BANK cancelled the transaction. I called my bank & asked where my money went? They told me I was out of luck basically and that they did not know where my money was. They offered to dispute it but told me it would be 45 days to even potentially receive a credit for the money. In less than 1 month I am out {$2000.00} because Fifth Third Bank is so incompetent they cant even see straight. They refuse to help me, they continuously deny my disputes. As soon as I get my money back, I am leaving the bank and never returning.
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| 09/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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This complain it against Fifth Third Bank. ( for the past two days ) everything starte a week ago I was receiving phone call, no name? no phone number? the phone was ringing for 2 minutes hang up. On XX/XX/XXXX I receive a phone call between XXXX afternoon a person giving me his name XXXX XXXX XXXX XXXX the first thing I thought you know this is a scam I don't know anything I bought collection he has all my personal information the person that started telling me my name he knew my name he knew my social security number!! that's against the Federal law ( the 42 sec. " " 408 Whoever ( 8 ) this disclose uses, or compels the disclosure of this social security number of any person in Violation of the law of the United State should be guilty of a felony and up conviction thereof be fined on the title 18 or imprisoned for not more than 5 years or both. '' And this individual was threatened me with legal document they I needed to sign it and there was threaten me to come to my house for my signature. according to my ucc-1 The Uniform Commercial Code I file a New York with my trademark copyright with my deceased letter they I have send to every Institution,. I'm not in the public sade, I'm a private individual protected under my ucc-1 trade name copyright..
Whoever violate my private security agreement trademark copyright can be up to XXXX action.
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| 04/17/2018 |
Yes |
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- Trouble during payment process
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Web |
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My mortgage statement dated XX/XX/XXXX, in the transaction history, has 2 amounts paid in the amount of XXXX each. One amount was applied on XX/XX/XXXX as the XXXX payment, the other amount applied on XX/XX/XXXX to the principal balance.
This is the second time I've sent conforming payment, after making the scheduled monthly payment where the amount is applied as a curtailment to the loan balance instead of a contractual monthly payment to advance the next payment due date on the loan.
I called on XX/XX/XXXX and talked to XXXX in the customer service who placed me on hold presumably to send a task to have the payment application corrected. When I asked XXXX about what I could do on my end to prevent future errors of this nature ; he says nothing can be done, the system is automated and decides where the money will be applied. This is unacceptable given the fact the amount I sent was a CONFORMING PAYMENT AMOUNT and should have been identified as such and applied as the XX/XX/XXXX payment.
The correction to my transaction history should reflect that XX/XX/XXXX payment was applied on XX/XX/XXXX and the account is next due for the XX/XX/XXXX payment.
It's unacceptable that I send a the exact payment amount and it's not applied as a monthly payment.
I do not want an apology - I would like the issue fixed correctly on my mortgage loan.
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
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Web |
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I am reporting a man named XXXX XXXX. He calls from a disguised number and says he is the " Director of Hardship and Mitigation ''. Later he changed it to " Hardship and Litigation ''. He used to call me and just say he was collecting a debt but he has now changed his tactics with a " professional sounding title. " This man has been harassing me for years, and supposedly he says I owe money to a bank. I called the bank in question and they have no record of it, and are not suing me that they know of.
He has called my parents and scared them, and threatened many times that there was a lawsuit, though i have never seen any papers for any lawsuit. He has repeatedly called my place of business, and my cell phone, when he does not have permission to do that.. I told him years ago to stop harassing me and he responded in a hostile manner.
This is a false claim because if there really were some sort of lawsuit I would have been served papers.
He keeps leaving cryptic messages, including to my parents, indicating I was in some type of danger. It scared them a lot and they called me thinking I was in the hospital or something. He stopped for a while, then started up recently, again insinuating that there was some sort of court case.
Since I have actually dealt with other debt collection companies that are reputable, I know that he is phony.
|
| 12/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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Reference previous complaint : XXXX This matter is NOT closed. The bank 's response is NOT acceptable and does NOT address the question I asked.
My question has always been : Where can I see the {$3.00} fee for outbound ACH transfers PRIOR TO LOGGING INTO AN ACCOUNT OR EVEN OPENING AN ACCOUNT?. Telling me I can see it on the screen after logging and in and initiating the ACH transfer process is NOT ACCEPTABLE. I also will NOT accept the generic terminology in the Digital Service Agreement that say 'we can apply whatever fees we wish whenever we wish without advance notice '.
I expect a proper answer this time, or for sanctions to be imposed on the bank for failure to properly disclose fees.
I opened the account in response to a promotion that offered a {$250.00} bonus awarded to accounts that reached a balance of {$500.00} within 45 days of opening and remained there for a minimum of 60 days. I honored my deposit commitment on XX/XX/XXXX and will let the balance remain until at least XX/XX/XXXX to honor the time commitment. I expect that bonus to be applied no later than XX/XX/XXXX. Sometime after that, I will likely close my account due to the extremely poor management replies to this issue.
If the bank prefers to pay that bonus early and close the account, I'll accept that decision, but such closure MUST show as by my request.
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| 10/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
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|
Web |
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I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, XXXX XXXX, and XXXX. I have called XXXX they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called XXXX XXXX they gave a bank account that was opened in 2014 with fifth third, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a fifth third account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
|
| 11/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
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In reference to the complaint number XXXX. The sender 's bank had sent swift messages to the fifth third XXXX times, fifth third did not reply. I received an instruction from a manager in XXXX of the branches of Fifth Third in XXXX on how to send the XXXX form and request the money back. The sender ( XXXX XXXX ) initiated the XXXX form with the instruction given on XX/XX/XXXX, up till now, I have been visiting the branch and also calling the manager if I couldn't go, but the manager is telling me they have not replied her from the fraud protection if they see the request or not. Can someone please respond to my request, please? This is a typical XXXX indiscrimination against me, so humiliating and this is totally not making sense. They are just using my weakness against me. They are just treating me like XXXX, the sender had my car already so she kinda off cares less about how my bank is treating me and I keep paying XXXX XXXX on a car that should technically be sold. I don't have the money and I don't have my car either, this is just causing me XXXX XXXX every day to see a bank treating me this way for no reason. This is XXXX dollars we talking about and the fifth third is sitting on it for this long without a reasonable reason. I need someone to look into this for me. This is so shameful to see this kind of act in the banking sector.
|
| 10/15/2015 |
Yes |
|
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|
Web |
Servicemember |
|
I filed for bankruptcy in XX/XX/XXXX and was granted a discharge of all debts. In XX/XX/XXXX I pulled my XXXX credit report and noticed that Fifth Third bank has listed my account as being Transfer/Sold and as a charge off. I filed a dispute with XXXX and on XX/XX/XXXX XXXX reported that Fifth Third bank verified with them that the account is being reported accurately. On XX/XX/XXXX I contacted Fifth Third ( XXXX ) and spoke with XXXX XXXX who stated that in her system the debt was listed as discharged in Bankruptcy. I was then transferred to XXXX ( Bankrupcty Dept. ) who told me he would look into my concerns. On XX/XX/XXXX, XXXX called me back and said that after consulting with numerous employees in his department they determined that the account was being accurately reported to XXXX and XXXX. Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. '' This practice keeps this bill alive on my credit reports although it was legally eliminated in bankruptcy. Fifth Third has engineered what amounts to a subtle but ruthless debt collection tactic, effectively holding my credit reports hostage, refusing to fix the mistakes unless I pay money for a debts I do not actually owe.
|
| 10/21/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Fifth Third bank has a loan advance service similar to payday loans. Loan advances are made and paid back through paycheck direct deposit dates. I have done this a couple of times using my checking account. I initiated an advance on XX/XX/16 in the amount of {$650.00}, agreeing to pay the fee that serves as interest. On the XXXX I transferred money from an external account into my XXXX checking out. Fifth third decided to take back the loan with interest before I could use the money. I called when I saw this transaction pending and asked why. XXXX, the CS rep said per the terms and conditions it was because money was coming into my checking account and apologized. I told him that money that was coming into my account was a transfer and not a direct deposit, he offered another apology. After reading the terms and conditions on my phone which clearly states that payment is collected from a direct deposit, I called XXXX back and asked for a supervisor. After explaining the reason for requesting a supervisor again, XXXX the account supervisor clearly misstated the terms by adding " it's any ACH '' which was not part of the language in the statement I read. I proceeded to end the call since she was giving me pushback and not supporting what was clearly in black and white. The information clearly states I have 45 days to repay the advance.
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing to express my concern regarding an erroneous late payment that has been reported on my credit report. I have made multiple attempts to rectify this issue by contacting the merchant as well as XXXX, XXXX, and XXXX directly, yet I have not received any resolution or acknowledgement of my dispute.
According to my credit report, there is a late payment entry recorded for an account that does not reflect my financial history accurately. I have thoroughly reviewed my records, and there was no occurrence of any late payment associated with this account. This misinformation is adversely affecting my credit rating, and consequently, it is hindering my ability to obtain a mortgage and purchase a home.
I have diligently contacted the merchant in question, explained the situation, and requested their assistance in resolving this matter. Unfortunately, despite their acknowledgment that there was an error made, they have failed to take appropriate action to correct the reporting with the credit bureaus.
I appreciate your attention to this matter and your prompt resolution. Please inform me of the actions taken to resolve this dispute at your earliest convenience. I look forward to a positive outcome and renewed confidence in the accuracy of my credit report.
Thank you for your immediate attention to this matter.
Sincerely,
|
| 07/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
After receiving a copy of my consumer report, I concluded that XXXX Fifth Third Bank Acct # XXXX Violated 15 U.S. Code 6802 Rules of Construction for VIOLATION OF SECTION ( b ) OPT Out section ( B ) ( C ).
( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) OPT OUT ( 1 ) IN XXXX financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
In addition, XXXX continues to re-age this debt by reporting recent payments that has not been applied.
|
| 06/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I have called 5/3 3 times over this issue, and spoken to 2 agents in their live chat and they still refuse to fix this. I closed my credit card which still has over {$7000.00} in debt on it about a month ago. The card ends in XXXX. When they closed it they make COMPLETELY inaccessible. Cant look at it at all on the app, and can only look at some things on the 53.com site. They make it so I literally cant see when theres knew interest charges, or late fees which Im horrified may happen because they make it IMPOSSIBLE to pay the monthly bill on. They tell me I can pay the bill by sending a check. I dont have any checks cause this isnt 1995 and so I wouldnt get the checks in the mail for the next month. They say I can pay at a branch. How archaic. ALL the branches are only open by appointment and I am across the country no where near a branch for a funeral and wont have acces to a branch for AT LEAST ANOTHER MONTH.
This is pathetic. WHY in gods name would you make it so I CAN NOT PAY YOU!
This is to 1 ) make you finally reopen the account apparently so I can give you money. You want money dont you? MAKE IT ACCESSIBLE 2 ) to prevent any late fees due to you inaccessibility and inept why of doing things Ive done credit cards with every major card in XXXX, XXXX, and XXXX XXXX. No one has ever stonewalled me from paying them like this
|
| 05/26/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I had an FHA mortgage with Fifth Third Bank in XXXX, OH beginning XXXX, XXXX. I have met all my FHA requirements. The FHA insurance premium was {$110.00} per month. I have spoken and faxed the bank 's representatives several times regarding removing the FHA insurance premium from my account. I get many different and incorrect answers.
I have also contacted XXXX who confirmed I have met all the requirements. The XXXX representative, XXXX, has contacted the bank 2 x and the bank stated they removed the FHA premium from my account on XXXX/XXXX/XXXX. I have not received any written confirmation nor a new mortgage statement.
I paid {$1400.00} ( this is minus the {$110.00} FHA premium ) for XXXX, XXXX.
Subsequently, I received XXXX letters from the bank stating I am delinquent, owe a late fee and they can not apply my payment to my loan " because the system will not allow them to. '' My XXXX, XXXX payment is sitting in " unapplied funds ''.
It seems the bank is confusing my escrow which includes property and school taxes and homeowners insurance. It does not include the FHA insurance premium. The bank did review my escrow account and sent me a check for the overage in the escrow account. The bank representatives continually refer to my escrow account when I call.
This has been an ongoing issue since XXXX, XXXX. I need resolution.
|
| 01/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a motorcycle loan with Fifth Third Bank and recieved a call on XX/XX/XXXX about a late payment even though I have never recieved ANY mail, loan docs, or payment request from them. On XX/XX/XXXX I paid two months ( XXXX and XXXX ) and put my account on autopay. On XX/XX/XXXX I get a notice my credit score has changed - I look via my Platnium XXXX XXXX view and it shows a deliquency from Fifth Third Bank yet I have recieved NO letters from them alerting me of this and only ONE missed call from them on the XXXX. They made almost zero effort to alert me of this situation which was a measly {$100.00} payment. Today XX/XX/XXXX I called them and they show my autopay is setup but the payments did not go through and they can not do anything about the deliquency. I paid 5 months at once today to bring my account two months ahead and rescheduled autopay. Fifth Third made no apoligies and no effort to rectify this situation. My credit history is impeccible with zero late payments in the 15 years I have had it established and now I have a deliquency on my account due to Fifth Thirds lack of communicaiton. Again, I have not recieved a single piece of mail from them and do not even have copies of my loan documents.
I would like to have any negative marks removed from my credit history. Please let me know how this can be accomplished.
|
| 02/28/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I was on forbearance due to loss of income because of COVID. At the end of my forbearance, I was given a few options on how to proceed. I chose to due a loan modification. I was put on a trial where I had to make 3 payments at a reduced amount. The payments were made XXXX XXXX, XXXX, XXXX XXXX, XXXX and the last trial payment was made on XXXX XXXX, XXXX. I was told it would take 30 days to process the loan modification once the last trial payment was done. Well we are now at 90 days and 5/3 Bank which is whom I have my loan with still can not tell me what my status is. I have called several times but I am told it's pending. In the mean time, I get mail stating I am delinquent. And I want to make sure I do not lose my home. I have asked to speak to a supervisor, but have not been able to. I have also tried talking to XXXX XXXX at XXXX. She is supposed to my " designated Customer Care Team Specialist '' to no avail. The customer care specialist I did speak to today found it odd, just like the previous two customer care specialist. They have been nice enough to say that they will speak to a supervisor to see if they can get me answers, and that they will call me back. That has not happened yet. Again, I do not want to lose my house and I am not getting any answers but I keep getting mail that I need to act before I lose my home.
|
| 10/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
Older American |
|
Since XX/XX/XXXX, we have been having a problem with submitting auto loan payments to Fifth Third Bank XXXX. We took out the loan in XX/XX/XXXX, which we obtained through our local car dealership, XXXX XXXX, and we have not encountered any problems until now. In XXXX the check that I submitted to them on time never cleared my bank. I tried to contact them by telephone and online ( www.53.com ) and can not get through to anyone at XXXX. I have tried numerous times. The one time I did manage to get a live person on the phone, the person hung up on me before I could say anything. I received a letter from the bank dated XX/XX/XXXX asking for me to resend the check, which I did within two days of receiving it. I sent the second check for the XXXX car payment on XX/XX/XXXX. I sent the second check certified and return receipt requested through the postal service. To this date, XX/XX/XXXX, neither check has cleared my bank. I have informed my local branch bank. The XXXX check is coming due and I do not know what to do. I saw in the news online recently ( In XX/XX/XXXX ) that Fifth Third Bank XXXX has a lawsuit against them for unethical practices, and that they recently charged 11 employees with stealing funds from customers. I am concerned and wish to resolve this problem. I have never missed a payment or been late with a payment.
|
| 12/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Hello, we are working on a short sale where the servicer has made multiple errors and they are refusing to correct the issues and have taken a hard line approach since we brought up the concerns. They are pursuing a foreclosure and a short sale at the same time.
The mtg was taken out in a trust yet in their system, and on letters sent out they show a different, incorrect mortgagor.
They required financials from the incorrect mortgagor The XXXX approval letter they issued required no repayment but the new XXXX that was issued a few months later now require repayment of most of the balance, none of this was discussed before they issued the approval letter. When we brought up the concerns about the trust and incorrect names Fifth Third acknowledged this was an error but said " they are not going to waste their time correcting this issue unless the sellers agree to the repayment. '' After we addressed our concerns, fifth third also said our only options were to have a new agreement signed saying that the incorrect mortgagors would accept personal responsibility for the repayment and the trust would not be responsible. XXXX, the negotiator at fifth third refused to correct the errors or address our concerns further with their attorney. Her exacts word were '' if the sellers do not agree to the repayment, we will close the file ''
|
| 04/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I started the refinance process with 5/3rd ( they previously held my note ) back in XXXX of 2020. We finally closed on this mortgage a couple months ago. I was told by the sales rep XXXX XXXX that the amount was XXXX a month and maintain my existing years left which was 27. I later discovered that he switched my time frame back to a 30 year and showed me different paperwork. During the underwriting process I still paid my mortgage every single month up until closing day. During this time 5/3rd was escrowing my biannual property taxes however failed to pay them to my township. My taxes are now 60 days late along with a 3 % fee being added. I have called 5/3rd about 15 times with 0 help at all. They said our tax department handles this but they have no phone number only an email and fax. I have emailed them multiple times with no response. I had one woman tell me to reach out to my closing team which included the sales rep and his assistant. I did hear back from the assistant who said she was helping but has since been fired/quit? XXXX has never attempted to call me and the mortgage services line said they have the money but wont release it because the tax department has to do this. Every person I have communicated with is completely incompetent and not willing to help, " its not my department I cant help you '' is all I hear.
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
In XX/XX/XXXX, our mortgage payment due XX/XX/XXXX, was canceled. We were made aware of the situation in XX/XX/XXXX. We quickly responded and were reassured by Fifth Third bank customer service over the phone multiple times that we were within our 30 days, that we would have no adverse outcome from this incident. We promptly made the mortgage payment within 30 days of the due XXXX supporting document from our XXXX Checking account ending XXXX, shows the amount processed on XX/XX/XXXX notated in yellow ). We received documents from Fifth Third Bank the late payment had been removed, and the mortgage payment was processed before the 30-day mark.
We had been searching for a new home to purchase. On XX/XX/XXXX, while attempting to obtain a preapproval letter from a financial lender, we were aware that a 30 day late on our mortgage had been reported to the credit bureaus by Fifth Third Bank. This has essentially devastated our credit score and halting our entire financial future. Upon contacting Fifth Third Bank customer service, they informed us that there was nothing they could do to resolve the oversight. We escalated the call to a supervisor while reviewing the situation with the supervisor and noting that the payment was canceled in error and reconciled within 30 days. He stated : " that's just something we tell people. ''
|
| 05/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I am requesting assistance or information on how to proceed further with my dispute. I have also attached 2 emails that were sent to the bank. I applied for a Credit Card with the bank but did not receive it. I found out via XXXX XXXX that the card was issued and immediately contacted the bank and disputed the charges. I was verbally advised after a few weeks later that everything was fine and I did a Balance Transfer. Last month I went to make my payment and they had put the disputed charges back on my account with no explanation or documentation to advise. I believe they are in violation of the FCBA guidelines. When I called the dispute was closed out and I re-opened it. They have since sent me a statement to pay the total of the disputed charges, have reported the balance of {$7900.00} to the Credit Bureau and has caused a significant drop in my FICO score.
On XX/XX/20, I received a letter stating the dispute of XXXX was closed and a credit was issued to my account, however that is not true and neither has the amount changed on the Credit Bureau. No one in the dispute department will return my calls and I have not received any correspondence on the new case that was opened.
I am kindly requesting that you review this matter and if you are not able to assist, can you please provide some guidance as to what can be done.
|
| 08/19/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have a checking account with Fifth Third Bank, I was offered an Early Access Account with a credit limit of {$1000.00}. I fell behind due to illness and agreed to make monthly payments in the amount of XXXX. I've made all payment and sometimes I paid more than the agreed amount. I called in on XX/XX/2020 and left a message, for a payment to come out of my checking account in the amount of {$40.00}. I never received a call, letter, or text stating the payment had not been received. On XX/XX/2020 I noticed a Funds Transfer in the amount of {$280.00}, I called customer service and was transferred to the charge off department, where payments are made. I spoke with XXXX at XXXX XXXX and was told we didn't get your message therefore there's nothing you can do about it. I ask if there was someone else I could speak with and she told me, I'll transfer you to me supervisor. I ask for the supervisors name and I was given " XXXX '', I left a message once again explaining I had left a message ask for her to return my call. I did not receive a call today, XX/XX/2020, but another funds transfer was withdrawn from my account in the amount of {$350.00}. Both of these charges were not authorized, I was told that a different company handles the charge offs however, there answer the phone Fifth Third Bank EAX Charge off Department at XXXX.
|
| 10/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
On XX/XX/XXXX16 at XXXX XXXX I withdrew {$300.00} from my checking account which incurred a XXXX overdraft fee as per the overdraft agreement. Since I signed the agreement willingly, I am fully aware that I would be charged a fee and had no issue with the fee for {$300.00} transaction, however I do take issue with being charged an additional {$37.00} overdraft fee for a transaction that occurred at least 6 hours prior to the withdrawal as shown by the banks own documentation and could have been paid, saving me from paying an additional fee.
I feel that this is a perfect example of " stacking '', where the bank does not post transactions as they occur or as in " real-time '' as I consider it. The bank documentation clearly shows that the recurring expected transaction occurred on XXXX at XXXX, which would have meant that prior to XXXX on this same day, I had XXXX in the checking account and therefore, enough to cover the recurring expected transaction which would not have incurred an overdraft fee had the recurring item been posted as it actually occurred.
I firmly believe the bank should reverse XXXX of the overdraft fees. I am perfectly willing to pay a fee for the withdrawal transaction as per the agreement I signed, but I should not have to pay a fee for something that I actually had the money in the account to cover.
|
| 07/30/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/2022 I contacted my banking institute [ XXXX ] to request a replacement debit card as I'd recently lost my wallet. As my payroll was going to be deposited on XX/XX/2022 I paid the additional fee of {$24.00} for expedited processing of 2-3 business days. On about XX/XX/2022 XXXX sent me a text saying a delay had been experienced on their behalf and I would receive my package on or about XX/XX/2022.
Subsequently XXXX claimed delivery on XX/XX/2022 at XXXX with no signature being required. I looked everywhere and spoke to my housemates and confirmed no package was delivered to be found.
Ultimately on XX/XX/2022 I had to go to my employer and have a card issued so I could finally access my payroll monies.
Thru no less than 10 calls with the banking institution I have been told I would receive the {$24.00} back thru reimbursement, that I had to take the matter up with XXXX for reimbursement to Ultimately no reimbursement would be given. XXXX 's policies are that the sender file complaint not the receiver.
Subsequently I requested a dispute be filed against that transaction stating I'd paid for services but did not receive them. The institution flat out denied me to file a dispute.
Phone calls to the parent company of fifth third bank have proven untruthful because nobody at any level knows of the possessorship.
|
| 07/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To whom this may concern, I have requested that Fifth Third Bank remove a charge off account on my credit report for the past two years and they have refused to do so. I have disputed the account as well several times with no luck. I had a secure credit card with Fifth Third Bank, which they are not reporting to the Credit Bureaus, and while I had the secure credit card, XXXX XXXX XXXX of XXXX was unlawfully charging my credit card which made me have a really high balance. XXXX XXXX had a lawsuit against them, which I received a letter for, because they were charging individuals without their permission. I have explained this to Fifth Third Bank at least fifteen times over the past two year and they have done nothing about it. I feel as though I should not be responsible for XXXX XXXX charging my account without my permission and for Fifth Third allowing them to continuously charge my account without calling or sending me notification of the activity that was taking place with my credit card as a safety precaution. If they would have notified me of this activity, I may have been able to stop the charges from happening and avoiding this destroying my credit. At this point, I am requesting again that Fifth Third Bank deletes this information from my credit report as I was not the individual charging the account. Thank you!
|
| 07/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Weve had an auto loan at XXXX ( not by choice ) for a year now. Of the XXXX payments, XXXX have been late totaling over {$200.00} in late fees. The reason Id like an investigation is the barriers the bank places on its non-customers.
As a XXXX XXXX XXXX customer, I must log into XXXX website to initiate single payments. Under payments, this language outlines their policy : Payments made with external accounts are not eligible for recurring payments at this time.
The letter I received in the mail offers Auto BillPayer and instructs me to call a toll-free number. In line with the inferior customer service weve already experienced, the Auto BillPayer is only open M-F, XXXX. Of course, its bankers hours.
Finally, after getting connected with them, the tell me I must download a Word document, print it, complete it, and either MAIL or FAX, yes FAX it back to them. Its these incredible barriers that have me concerned. With a XXXX note, averaging XXXX late payments a year, thats potentially XXXX late fees at {$73.00}, or over {$1300.00} in fees in the term of the note. No wonder they want to put barriers like printing and faxing for non-customers its a tremendous profit.
Its incredible in 2022 that XXXX answer is printing and faxing Word documents, but when you see the true reason, profits, its easy to see the motives.
|
| 09/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/XXXX I was charged $ {$74.00} in overdraft fees for " pending '' transactions without my account ever being truly overdrawn on the statement. When I asked to provide more information, they told me it is due to overnight processing and that they " predicted '' my account being in the negative. I called and asked to provide me details as to why and if they can reverse the fees since my account was never overdrawn. The call was escalated to a manager so I can make sure they understood my issue. XXXX ( manager ) was extremely rude, kept telling me that i was interrupting him when I was asking him to explain what happened. XXXX asked me to pull up an overdraft notice which had a different balance on it that what I would see online or through the mobile app. when I asked him how this is different, he said I was interrupting him, when I asked to speak to his manager he said no and hung up on me. I called again and they reversed one of the overdraft fees but not the other because they have a 1 fee max reversal policy. I feel like this is abusive practices when the account holder is not able avoid this fee.
My ending balance on XX/XX/XXXX was {$51.00}, XX/XX/XXXX was {$11.00} and on XX/XX/XXXX {$1200.00} so I am a little confused to why I would be charged overdraft fees when my account was never really overdrawn.
|
| 05/30/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XXXX I made a deposit to an ATM machine co-located with a branch of Fifth Third Bank in XXXX, GA. The ATM accepted the {$400.00} cash deposit, but did not present a receipt nor did it acknowledge the deposit. The teller then told me they had been having trouble with the ATM and the XXXX technician had just left. I waited for the technician to return, and after an hour, he returned. He confirmed that the {$400.00} deposit had been made. The teller called Fifth Third HQ and I was given a " provisional credit '' of {$400.00}, reportedly until the ATM was balanced. On XXXX, the bank transferred {$110.00} from my account stating that the ATM did not balance and it was short {$110.00}. I referred to the teller and XXXX technician who both confirmed that I had made a {$400.00} deposit. The matter was further referred to their dispute resolution committee, which determined that they were entitled to keep the {$110.00} and could take up to 14 additional business days to investigate the matter. My complaint is this : the malfunctioning ATM machine is not my fault, and caused considerable inconvenience for me on XXXX. Why am I being prevented from using {$110.00} until they discover where the problem lies? Is this just miserable customer service or is there an actionable conversion of funds by the dispute resolution committee?
|
| 02/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/23 I made a payment of {$650.00} towards my car loan with Fifth Third Bank, from a XXXX checking account containing {$2800.00} on the day of the payment. The payment posted and according to Fifth Third 's site everything was fine. On XX/XX/23 the payment was reversed without notifying me. I found out on XX/XX/23 when I received an email saying only " Your account needs attention ''.
I contacted Fifth Third and was told the payment was rejected by XXXX, I was told that usually means insufficient funds. They said there was nothing they could do and to try again with a different account. The initial XXXX payment attempt doesn't even show up in all of the screens in my online account. However at no point did my XXXX account contain less than the amount of the loan payment. From what I'm able to see in my XXXX accounts/alerts there was never an attempt to withdrawal the payment by Fifth Third. I had even checked the day after the payment supposedly posted and there was no withdrawal from my XXXX account. If the account information was correct, as I believe it was, and XXXX truly rejected the payment then I received nothing at all in any form from XXXX on the matter.
Some quick research tells me this kind of issue is common with Fifth Third and I am very disappointed that something like this can happen at all.
|
| 08/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My account has been hit with a negative balance fee on top of overdraft fees. None of my personal banking reps could explain to me or understand what this fee is. Once I called the phone reps explained it as a fee given when deposited funds are not available and are able to be used. This is not my case however. My account has been charged with a negative balance service charge which then puts my account in the negative .I am charged an overdraft fee and then I am charged again for a negative balance fee for the same occurrence. I have been double charged for the same overrdraft caused by this " negative balance fee " and then the cycle happens the very next month for having a negative balance. Ive been charged nearly XXXX $ in the last two months alone. This seems very unfair and I feel taken advantage of especially since my personal banking reps had no clue what a negative balance fee was there for how could I as a customer. I am a seasonal small business this is my XXXX year going into business and I feel Fifth Third Bank is taking advantage of me. If this is not resolved I am shutting down my account immediately and taking my complaint to the highest level possible. I will spread the word that Fifth Third is not a bank for small businesses that often struggle with making ends meet only to be gouged with high fees.
|
| 05/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I had {$2000.00} of money stolen from me from Fifth Third Bank by XXXX XXXX.
In XXXX, my XXXX checking account was hacked and I STILL DO NOT have my money back. The hacker used XXXX to steal from my account and XXXX refuses to return what was taken from me. Other Transactions were attempted and declined because they took time to contact me to verify. My online ID and password were changed several times back to back and then there were TWO separate {$1000.00} XXXX transactions allowed by their secured systems even though they were never approved by me. I contacted the bank immediately and the claimed the account would be locked. I filed a police report, printed out my verification text messages/phone calls as evidence that I DID NOT authorize the XXXX transactions coupled with filing a chargeback with Fifth Third. They declined the initial claim and it was reopened on XX/XX/XXXX. I was told a decision was required within 30 days which has passed and they do not have answers.
I have been a loyal customer of XXXX Bank for over 25 years. I still dont have my money back and it is XXXX. This has caused so many issues for me and my family! Returned payments, etc. I went into my branch multiple times as well.
2 {$1000.00} transactions were sent to a XXXX XXXX who I do not know, with a phone number that isnt active.
-
|
| 04/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
When my mortgage loan was taken over by the new servicing bank ( Fifth Third Bank ), I immediately signed up for electronic notifications via e-mail for new statements. That was XX/XX/XXXX and since then, I have never received an e-mail, text, or phone app notification when my statements were ready for viewing. I've repeatedly reached out to the company for resolution but have yet to be provided with any. Furthermore, the statements are generated on a random cycle without change to the payment due date. This leads to an unreasonably short window of time to make the payment for the amount listed on the statement. Below is a history of statements.
- Statement generated onlineXX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date ofXX/XX/XXXX - Statement generated onlineXX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXXfor a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX- Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX.
- Statement note yet generated for a payment due date of XX/XX/XXXX.
|
| 10/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/2020 I called Fifth Third bank regarding 2 charges total {$250.00} that did not get completed via the State of Michigan website. I tried called State of Mich 10 plus times to reverse charges because transaction was not completed ( see attached email from State of Mich ). So I called Fifth Third Bank to make them aware. I was told I would receive a letter soon ( see attached letter ). Letter was received on XX/XX/2020. It states that I have 3 days from date of letter ( XX/XX/XXXX ) to review, sign and return. I called the bank regarding this. They stated that their policy is 3 days. I told them that even receiving mail in 3 days is impossible. I was told that I have the option to fax or email the Declaration of Fraudulent Activity back to them. I pointed out to the rep/supervisor that there was NO EMAIL address on the letter. She put me on hold to read the letter. She returned and said " oh I guess you are correct ''. She was not even aware this. Please read attached letter. This policy is completely unfair, unethical and just wrong. They also cancelled my credit card via this letter. I should have been told this procedure when I called on XX/XX/XXXX, not 3 weeks later by letter. I was also told that a new card was on its way. As of XX/XX/2020 I still have no new card. Terrible policy and customer service.
|
| 02/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Upon calling today to verify a fee reversal that could not take place until a merchant refunded funds ; I spoke with an agent who alleged i could not get any fee reversals for courtesy and that a supervisor would be calling to check the call i made when i spoke with a representative and then calling me back in an hour. The supervisor never called back and finally I went into a branch to address the issue and at the time i was able to call in and have the customer service people fix the issue. I got a call appx XXXX XXXX. from some XXXX rude lady who claimed to me a supervisor from XXXX who pretty much accused me of lying and begin to rant at me. When I asked her what her name was she refused to give me her name and told me since I didnt want her to help me she just flat out was going to give her name to me as she claimed to be a supervisor, I informed her that I would be closing the account as so I would not have to deal with this type of issue again. She made up some rule that i could not have any fee credits for the rest of the year. she was the XXXX most incompetent horrible person I've ever had to deal with from fifth third bank. I will be closing this account as soon as the last two transactions on this account post hopefully by tomorrow. Ridiculous XXXX customer service from a representative at number XXXX.
|
| 06/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2021 I received notice by Fifth Third bank that the State of Ohio Department of Taxation obtained an order of garnishment against me in the amount of {$3300.00}. The funds were placed on hold and a check was sent to the Clerk of Courts by Fifth Third bank. I resolved this matter on XX/XX/2021 by paying the amount required to the Ohio Attorney General Collection Enforcement office to have my funds released. I was informed by them that if I made the payment over the phone that my funds would be released within two weeks.
On XX/XX/2021 check # XXXX in the amount of {$3300.00}, that was sent by Fifth Third bank to the XXXX County Clerk of Courts, was returned to Fifth Third bank uncashed due to an error in filing by Fifth Third bank.
On XX/XX/2021 my garnishment was released. After several unsuccessful attempts trying to reach the Compliance Department at Fifth Third bank via their customer service number and being transferred, I was given an email address ( XXXX ). On XX/XX/2021, I requested that XXXX from The Ohio Attorney General Collection Enforcement send an email to them requesting release of my funds. He confirmed the email and in addition mailed the release to them at that time. To date I have had no response and my funds have still not been released. The case # is XXXX and the reference # is XXXX.
|
| 02/18/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
The end of XXXX beginning of XXXX I did not recognize a transaction on my 5/3 XXXX prepaid card to where my XXXX dollars was transferred from my checking to my card I called XXXX as I was on my way to the bank the young lady I was speaking with decided to place a fraud alerts on my card which intern blocked me from retrieving my money by the time I made it to the bank I was told that it would take 45 days in order for me to receive my money I have waited the 45 days which was XX/XX/XXXX and steel as of XX/XX/XXXX I am unable to retrieve my money from XXXX XXXX XXXX card they continue to give me the run around now Im being told that it can take up to 90 days I have explained from the beginning that I made the transaction by mistake and that I had my XXXX card in my Possession and that I never ask for a fraud alert to be place on my card. I keep getting the runaround from them no one can tell me why I cant retrieve my money from them. Its a Constance different story every time even after trying to resolve this with 5/3 today after being in one of there branch for over an hour no one could explain why they are holding on to my money. I dont wont to wait another day on them to release my funds. I receive updates on my XXXX card on the amount available but it it really not available because they have a hold on it.
|
| 04/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Trouble using the card
- Problem using the card to withdraw money from an ATM
|
|
Web |
Servicemember |
|
I was traveling outside the country ... At least 2 weeks before my travel date I called fifth third bank to ask them can i use my fifth third AC360 MasterCard in XXXX. They told me yes. As long as its not a country that the U.S. have sanctions against. Well on XX/XX/XXXX my card stop working and i called to see what was wrong with my card. The customer service department continued to hang up the phone on me while i was in a foreign country. they never tried to contact me back to see what the problem was. They never contacted me to tell me they put a block on my card for a transaction i attempted to make on my card while i was in XXXX. Even after returning to the United States the card would not work ... i went inside the bank to resolve the issue with customer service and they called AC360 and the fraud department and they hung up the phone on me also several times. They also charged me the foreign transactions fee for the transaction that they never approved. I feel they never tried to contact me back about the block on the card because they do not want XXXX men to travel outside the country in the first place. They never tried to contact me by phone, text or email. All they did when i tried contacting them is hang up the phone. I cant contact them because they going to hang up the phone on me because i am XXXX.
|
| 07/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/2019, I opened a checking account on Fifth Third Bank using a promotion code I received from the bank on my email.
This account was opened in the branch located at XXXX XXXX XXXX, XXXX IL XXXX.
The personal banker that assisted my was XXXX XXXX.
The promo code I used has the following description : " {$250.00} Cash Bonus Offer : To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/19, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. '' I provided this code to the personal banker that opened my account.
On XX/XX/2019, I reached a balance of more than {$500.00}, which is one of the requirements for the promo code. Also, I maintained a balance of more than {$500.00} for the 60 following days.
According to the mail I received from the bank, I should have received the bonus by now.
I have called the consumer support team of my bank, but they havent been able to solve my complaint. I have also tried calling directly to the branch where I opened my account as well as the personal banker that assisted me to open the account, but haven't got any answer.
|
| 01/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On Friday XX/XX/2022, I went to make a mortgage payment at my Fifth Third Bank branch at XXXX XXXX XXXX Fl XXXX. I went to the Drive thru to make the payment and the person gave me the wrong change 3 times. At the last exchanged, XXXX XXXX said very rudely that he would not do anything else for me. I noticed that all the coins he sent back were all dark specially the dime. I could not tell if the dime was XXXX because it was so dark that it did not look like a dime. I told him to exchange the dime and he did not do that. He told me to go inside. When I went inside I told him my mother who's XXXX and has an account with them was in the car and I just picked her up from the XXXX because she was very XXXX. That was the reason I used the drive thru. He did not care. Instead he started to argue about sending me the dime and that it was only 2 times he was wrong about the changed. In each time, I was on the drive thru waiting for a long time to make the payment, waiting for all the times they sent out the change wrong and then to give me a hard time about a dime. He never apologized to me even though he knew he made me wait so long and gave me the wrong change each time and still owed me a dime. When I make a mortgage payment the bank requires me to pay for the change and a required them to give me the proper change.
|
| 02/09/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I purchased a car and it was financed through 5th 3rd bank in XXXX, OH. My last payment was XXXX XXXX, XXXX. In XXXX XXXX, I pulled the last 2 coupons and paid the last 2 payments. My payments have always been on time throughout the loan.
On XXXX XXXX, XXXX ( yesterday ), I received a call from the bank ( a male ) saying that I still owed {$250.00} on the car and I explained that I had made every payment and had the coupon stubs to prove it. He said that they never put the last coupon in the book and that I still owed this one payment. I thought it was a scam so I got mad and hung up. I filed a complaint with my local Attorney General 's office immediately. This morning, XXXX XXXX, I got another call from the bank stating that I owe this money and I told her that I had filed a complaint. I also explained to her that I had completed ALL my payments and did not owe them anything.
I do have the empty payment book with the stubs where the coupons have been pulled to the end and there was no information at the end of the payment book stating that the last coupon would not be found in the book.
My credit is impeccable and I am very upset by this seemingly unethical practice of this bank. I am concerned that they will not release my title until they get this " extra '' payment ( which is definitely not owed them ).
|
| 07/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was contacted by my mortgage lender because my payment had run late. During the call, the agent repeatedly told me the bank WOULD NOT cash my check, as it was not the amount they were looking for. He then falsely stated that it was because I had a shortage in my escrow ( not that it was the late fee ), and requested that I make a payment over the phone. After doing so, the bank took the phone payment, and cashed the check, on the same day, leaving me overdrawn ( Had only XXXX payment been processed, I 'd have had a positive balance ) After contacting the bank to dispute the double charge, and after having my bank also file a dispute, I was informed that it would be ten days before they could return my money. When I called, later, to inquire why it would take ten days, the bank stated that they held checks for that period, in case of situations where there was an error, like the one I reported, or a stopped check. At this time, I have been 3 weeks with no money, and it has placed my finances in disarray, threatened the health and welfare of my family, and may cause other ill effects. Additionally, I believe the bank has been untruthfully changing my payments, year to year, despite my fixed rate loan. Also, at this time, despite the dispute being started on or around XXXX XXXX, I still have not been reimbursed.
|
| 01/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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5/3 Secured Credit card complaint -Contacted bank on this date for refund process : -Contacted bank for a follow up after XXXX business days : -Bank Canceled my check after stating that I would like to just wait rather then canceling, getting a call back from supervisors supervisor. XXXX said on pre recorded line that it wont be canceled.
-Followed up next business day to find out that the check was indeed canceled so talked to another supervisor about the situation, and they issued me another check When I called back on Saturday XX/XX/XXXX almost a month after issue date, They asked about my zip code and realized I moved. So this entire time I figured they knew I did when pulling up my account but they realize at the fourth refund check they have been confirming the incorrect zip so identity theft could have occurred. On Saturday they issued me another check.
Today after I cashed a check for cash from work I followed up on the case and the lady said that the check was not even issued Saturday XX/XX/XXXX so XXXX XXXX on the phone trying go get this check issued the XXXX time. I asked on the phone what date on business day would be the latest the check should arrive. He will be escalating me to supervisors voicemail as well so he is inform I have been in contact with the CFPB.
I would like the following :
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| 03/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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Hello, I recently received a letter stating my Fifth Third bank account is being permanently closed after someone stole an excess of {$800.00} from me. For reference, I sold a game system, and someone off of a local marketplace offered to pay above the listing price for {$1000.00}. Turns out, the Money Order was fraudulent, and my bank account is negative more than {$400000.00}. I messaged Fifth Third through the app once I was made aware of the negative balance, and was then locked out of my account. After waiting until XXXX, I called and was informed I would not be liable for the large negative amount in my checking and savings, and that by a XXXX representative my bank account relationship will not be closed. So my question is this, what time of miscommunication XXXX is going on? I'm XXXX, a XXXX XXXX, and I'm raising a XXXX XXXX-year-old. I truly, truly do not have time for your XXXX. Furthermore, I received a letter stating that I owe Fifth Third around {$15.00} for a fraudulent deposit, which I was a victim of and lost considerably more money than a company that has billions under management. Could you explain this to me where it can make sense? Also, pursuant to XXXX if you at all, furnish anything negative on my consumer credit report. I will take you to court. I understand mistakes happen but fix it.
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I have a vehicle loan with Fifth Third Bank that back on XX/XX/XXXX when the Covid XXXX I happens I lose my job and called the bank to request request them a deferred on my monthly payments for two months. They sent me a letter offering me up to five months of this deferred payments and I did not accepted them. ( Please find attached this letter XXXX When I got my job back after these two months I brought my account current. ( Please find attached the proof of this payment ) After this payment of this two months I have been paying my account every month on time. After one year I noticed on my credit report in XXXX of XXXX that they had report a late payment of XX/XX/XXXX, so I call the bank and asked them why reported me with a late payment when all I had with them was a forbearance of only two months and I had paid after two months the total amount. They did not want to fix this. Now I find out that they report me again with another late payment of four months. This has been a nightmare with this bank, they don't really care about the customers credit report, They have ruined my credit history, even I have send many letters and made many phone calls to then trying to correct this information.
I need help because they are ruining my credit history with this wrong reporting of my payment history.
Thank you.
|
| 05/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was late for my mortgage payment due XX/XX/XXXX and didn't realize it because my mortgage was transferred from Guaranteed Rate to Fifth-Third Bank and hadn't had a chance to set up the autopay yet. I never received a phone call or mail regarding my payment being late until XX/XX/XXXX at my work number. Apparently Fifth-Third didn't have my cell phone number on record, probably because the mortgage was transferred from Guaranteed Rate without all of the information. I made a payment over the phone during that same phone call and was told that the late fee could be waived because I was unaware of my being late. I was also given information on signing up for autopay and have already mailed in the paperwork. However, I noticed that my credit score dropped almost 200 points because of this one incident and am VERY upset because this greatly affects my credit for my first and only offense where I was not even notified about it until it was too late. Also, I wasn't reminded about being late via email or mail. Is there any way to reverse the detrimental report to the credit agency? I tried calling customer service already but was told that nothing could be done. I am very upset because I didn't even choose Fifth-Third as my mortgage bank and it was transferred over recently and I'm very upset with this experience.
|
| 01/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
NEGLIGENCE COMPLAINT FOR FIFTH THIRD BANK ON FRAUD CASE - I. XXXX I had my Fifth Third Bank credit card until XX/XX/2019. The card was compromised as from XX/XX/2019 to today. All the transactions in the statement were fraudulent and non authorized.
Fifth Third Bank was negligent which failed to investigate the Fraud charges as F raud, but ONLY the billing dispute.
Fifth Third Bank declined all the Fraud charges and claimed that it had passed the timeframe, when FRAUD case does not have a timeline to investigate.
It is the Fifth Third Bank 's negligence to disposition my claim was invalid as it has passed the time frame and I did not have the card with my possession at the event of the Fraud.
There is NO CHARGE BACK REQUIRED, NO TIMELINE REQUIRED AND ALL MERCHANT RECEIPTS ARE NOT VALID PROOF OF THE PURCHASE IN THIS FRAUD CLAIM.
The Account Holder did not have the card in possession, all transaction as from XX/XX/2019 to the last date of the purchase were FRAUD.
Please carefully investigate the Fraud claim and it IS NOT the billing dispute. I complained about the negligence position, that the Fifth Third Bank took in this disposition and it is the gross negligence.
I hope that the Fifth Third Bank can re investigate this case and all transactions in a FRAUD claim, not Billing dispute.
Thank you.
|
| 10/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XXXX XXXX Im trying to withdraw {$600.00} from ATM in XXXX, Illinois, location. As usual process, I insert my ATM, less than 5 minutes ; I dont receive any funds from the ATM. Ive decided to go inside the branch and told the teller what happened what he did is he gave me {$600.00} cash from my account little I didnt know that instead of giving me my {$600.00} ; they took another {$600.00} from my account, when I checked my receipt, I looked like I withdraw {$1200.00}, but in reality I only got {$600.00}. One of the banker help me to start the dispute process and she promised that they will credit my bank on same day.
I checked the next day and still, money is not available, I took more than 1 week to return my money.
On XXXX Ive noticed that they took {$600.00} from my account I called the customer service and she said that they denied the dispute because that there is no discrepancy in their ATM machine, I told them that they look back on the camera by the ATM the day that I did my transaction and they will see that I did not get any money from the machine, I even told them that I did not steal money from them, I worked hard for my money and I live paycheck to paycheck and I need that money to pay for my rent, but the supervisor said she cant do anything and I have to wait 30 days for their decisions
|
| 03/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I purchased vehicle in XX/XX/XXXX through Fifth Third Bank. I changed insurance company XX/XX/XXXX, XXXX.and at the end of XXXX I cancelled my old policy with progressive and backdated the end date to XX/XX/XXXX, the new policy was in effect but it shows the start date was XX/XX/2017, which is a two day discrepancy. Fifth Third Bank contacted me and asked for proof of insurance. I inquired if the vehicle insurance card was acceptable and I was told yes. I sent the card and about a month later they contacted my a second time and asked for the declaration page. I sent that document to them also and they sent a letter stating that I owed them for two months of insurance because their record show I didn't have any so they place insurance on the vehicle. I provided them with insurance information and wrote a letter in an attempt to resolve this issue, they were rude on the phone and continuedly would tell me they didn't receive no letter or any information pertaining to proof of insurance. They are demanding {$710.00} for two months worth of forced insurance and are adding XXXX per month late fee even though I have proof that the vehicle was covered. Also they have adversely affected my credit by reporting late payments to all credit bureau causing my score to drop which has blocked my from acquiring new loans.
|
| 09/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
To whom it may concern I bought a used car in XX/XX/XXXX and started to make payments in XX/XX/XXXX. In XX/XX/XXXX I became unemployed, informed the bank and requested a Covid19 repayment plan under the CARES ACT. I spoke to a specialist in the Customer solutions department and made my payments. The agreement was that all of the late fees would be removed for XXXX, XXXX and beginning of XXXX in order for me to make payments and get back on my fee.
I requested fifth bank for my Installment payment history and I saw that all of the late fees were still there and nothing was removed.
Aside from the above several late fees are being posted before my due date, which is on the the XXXX of every month.
I have spoken to 8 representatives who confirmed that there is an agreement in the account, they see my calls, their access is limited since they are customer service representative and that the only people that can remove late fees are the customer solutions or the vehicle borrow assistance hardship department.
I also spoke to another representative in XX/XX/XXXX and informed me that several times representatives promise and mismanage clients expectations or information to get payments.
I require all of these late fees to be removed, require that my account be investigated and interest be assessed correctly.
|
| 09/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I have had an account with 5th/3rd bank for a number of years ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX ) and recently have had issues with them holding deposits for an excessive time. First time that happened was a check from retirement over {$10000.00} which I understood a hold even though that caused a sever hardship. This time they are holding a {$3700.00} deposited to account number XXXX that was processed on XX/XX/XXXX. I placed a call to their consumer services number ( XXXX on XX/XX/23 ) and they have stated that the Federal Reserve has put a hold on my check and that there was nothing they could do about that. That I have learned is not true at all from the Federal Reserve. I currently work for a company in XXXX and actually worked for them before the pandemic and used this same institution but eventually was laid off due to XXXX XXXX. I am now back for working for the same company and I deposited my first XXXX ( live ) check thru a XXXX deposit without issue ( XX/XX/XXXX for {$3800.00} and XX/XX/XXXX for {$1800.00} ). This last check processed on XX/XX/XXXX is being held until XX/XX/XXXX and has put me in a hardship position for paying my bills on time. How can I count on the fact that as soon as my direct deposit starts ( probably next week ) will not have a hold placed on it?
|
| 08/27/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/2021, I opened a saving account with FifthThird Bank.
On the same day, I decided to fund that saving account via online transfer from another account of my husband with XXXX XXXX, XXXX XXXX XXXX. To verify that account with XXXX, Fifth Third deposited two small amounts into it and my husband confirmed them successfully on XX/XX/XXXX.
After the verfication, on XX/XX/XXXX I initiated a transfer of {$10000.00} on 53.com, from the XXXX account to the Fifth Third saving account.
On XX/XX/XXXX, I received email alerts from Fifth Third Bank saying that transfer of {$10000.00} was suspended, and did not complete.
However, that money was still drafted from my husband 's XXXX account, and was never returned as of today XX/XX/XXXX.
On XX/XX/XXXX, I called Fifth Third Bank, and they said the money was rejected by them, so it was never deposited. And they suggested me contact XXXX XXXX.
Then XXXX XXXX told me that because the transfer was initiated by Fifth Third Bank, they had no infomation about the transaction, and did not know when it would be returned.
On XX/XX/XXXX, I asked XXXX to request a return for that transfer, as suggested by one email alert sent by Fifth Third before. However, that request was reversed by Fifth Third on XX/XX/XXXX, and Fifth Third charged me {$37.00} overdraft fee.
|
| 07/23/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2021 I reached out to FIFTH THIRD BANK in regards of applying for a mortgage. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '', This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ). Through correspondence with the mortgage loan officer via email, the mortgage loan officer was properly informed of my ECOA request and was recommended by his supervisor to move forward in completing the transaction. On XX/XX/2021, the consumer transaction was completed and submitted for review by FIFTH THIRD BANK. Shortly after completing the transaction, I received an email from the mortgage loan officer informing me that the transaction was denied due to the information that was furnished to FIFTH THIRD BANK from consumer reporting agencies in regards of my credit history and worthiness. I Informed the mortgage loan officer that my ECOA request has not been honored and that XXXX XXXX has willfully violated the ECOA pertaining to this transaction. I have not heard back from the mortgage loan officer since my last correspondence through via phone call.
|
| 01/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My employer has been impacted by the XXXX ransomware attack and direct deposits are not currently an option. They instead have chosen to give paper checks for wages earned. I deposited 1 check at the local branch ( Fifth Third ), and then the 2 subsequent checks I deposited via mobile deposit. Less than 24 hours after the third deposit I attempted to log into my online account due to having received notice that a payment I had issued from my primary account could not processed. It told me that my username and password were not valid. Concerned about identity theft I called the local branch and the gentleman I spoke to explained he didn't have details but that the fraud department had frozen my account and gave me the number for them. I called them and spoke to a woman who spoke to me rudely about the matter. She stated that my account was frozen due to the deposits and that it would be 10 to 30 days before it was lifted and that should any of the checks be returned they would do a review to determine if I could even continue to use their services. The checks are good, they come from the exact same source that all of my direct deposits have come from for 3 years. I now have bills bouncing and am risking fees in addition to normal billing amounts and discontinued services as a result. And they do not care.
|
| 11/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I payed my car loan without delay for 72 months without any problems. When my loan payment book ran out of checks at 72 months, I assumed my loan was paid off and awaited my tittle. That 72nd month payment was on XX/XX/XXXX. I was waiting for my tittle, but had not received it so I called in XXXX and was informed that there were three additional months. I was confused because they did not provide a check book with the correct number of months, but I understood. I paid them for the month of XXXX over the phone and they waived the late fee incurred over the misunderstanding because I had not missed payments before. I then set up automatic payments for the month of XXXX and XXXX for the amount of {$420.00}, like previous payments. That is what I was told the automatic payment should be. On XX/XX/XXXX I received a letter in the mail stating that my account was past due in the amount of {$100.00}. The automatic payments they set up did not correctly pay off the loan as I was made to believe. When I called they refused to waive the late fee I incurred from their mistake and failure to schedule payments in a manner to completely pay off my loan.
XXXX This summary was typed by the consumer 's son, with her permission and on her behalf. The service representative 's name is XXXX and her employee number is XXXX.
|
| 06/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have a student checking acco unt with Fifth Third B ank that I have had since my freshman year of college. I have remained a college student since, without taking any time off. Without my knowledge, and without the bank notifying me, my student status had expired until I went into the bank with a student ID to prove I was still going to college. Since the bank no longer considered me a student, I was being charged $ XXXX month for having the account. This expired in XXXX XXXX , and I did not realize until XXXX XXXX , by which time I had been charged {$11.00} for 5 months. When I realized this, I went to the bank with my student ID to show them I was still a college student. They renewed my student status, but I was still unfairly charged with {$55.00} total. I called customer service to complain, and they replied that they could only refund {$11.00}. After further complaining to th e manager, I was refunded an additional {$19.00}. However, I am still down {$25.00} that was unfairly stolen from me . I was being charged even though I was a student the entire time. I am currently workin g 45 unpaid hours per week at a XXXX XXXX XXXX XXXX XXXX XXXX . While it is a very minimal amount for the bank , {$55.00} is a substanial amount of money to me since I do not currently have an income.
|
| 08/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am writing on behalf of my real estate client XXXX XXXX. He is currently being reviewed for a Short Sale XXXX originally submitted in XXXX XXXX. The lender and their attorney refuse to continue the Trial Date XXXX XX/XX/2015 XXXX Despite being in receipt of a complete loss mitigation package. Evidenced by the emails attached, the Law Offices XXXX XXXX XXXX has been in active communication with 5th 3rd Bank and their attorneys. Evidence has been provided including copies of emails between the law firm and the attorney of record representing the lender. Despite clear evidence the file has been submitted to the lender XXXX XXXX XXXX, XXXX.
of XXXX XXXX, XXXX. refuses to join the defense attorney 's motion to continue the trial ( see attached email XXXX This is a clear violation of the my clients rights and perfect example of dual tracking. The evidence is quite clear a short sale offer is currently being evaluated at the same time the lender is trying to push my client into foreclosure. XXXX XXXX for XXXX XXXX Bank XXXX see attached emails ) has actively been engaged with XXXX XXXX XXXX legal assistant XXXX at the law offices XXXX XXXX XXXX XXXX closing attorney ). I ask you please demand this trial be postponed and the lender uphold their responsibilities to the CFPB and review my client for Short Sale.
|
| 06/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX I transferred XXXX from my Fifth Third Early Access Account into my personal checking account. The funds were credited immediately. I went to my local branch on XXXX XXXX in XXXX, Fl and withdrew {$550.00}. I wrote out a check to myself for the amount.The teller, XXXX verified the funds were in the account before handing me {$550.00} cash. I returned on XX/XX/XXXX and made a cash deposit into the ATM at the same branch. I paid several bills when the account was liquid. However, on XX/XX/19 XXXX withdrew {$1300.00} which created an overdraft, Instead of returning the check for insufficient funds, XXXX XXXX paid it by mistake. To cover their error they changed all the dates for all the deposits I made. Next, they reversed all the check payments that were made when the account was liquid and charged me overdraft fees. They also added a fake check # XXXX for another {$550.00}, and they claimed that check was never debited either. XXXX is the real guilty party by creating a document with fake deposit dates. My deposits were made with cash. XXXX XXXX is alleging I owe them {$1100.00}. I spoke with two bank representatives who analyzed the transaction record and admitted the mistake. She told me {$550.00} would be returned to my account within two working days. The funds have never been returned.
|
| 11/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have an auto loan through fifth third bank. they stated that they sent me 3 to 4 letters requesting my insurance information which I received none .. although they have my phone number listed on file I received no phone calls from them.
They took an extra {$410.00} out of my bank unauthorized on top of my normal {$450.00} car payment as a punishment of not giving them my insurance information in XXXX. I immediately notified my insurance company to provide them with my current insurance and to show that NO lapse in coverage has ever been with regards to my vehicle. I was told by fifth third bank that it would take 3 to 4 weeks to refund my money to this day I still have not received a refund of the {$410.00} after providing The requested documentation .... fifth third bank then took out an extra {$410.00} on top of my normal {$450.00} payment in XXXX even though they received my insurance information this transaction overdrew my account charging me overdraft fees through my bank. fifth third bank now owes me {$820.00} and I have not received any of it back and I 'm being told I have to wait for their process when I live paycheck to paycheck for like 80 % of the population. and they really do n't care and they are in no rush to give me my money back when they had no right to take it out to begin with.
|
| 02/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Myself, along with my mother, my father and husband were called repeatedly from " unknown '' and " No Caller ID '' numbers on XX/XX/XXXX around XXXX CST. A voicemail was left with each of us from a XXXX XXXX from The XXXX XXXX in California requesting that I call back immediately as I have a balance owed through their firm for a Fifth Third bank account that has been closed out years ago. I was told that I would be served papers on XX/XX/XXXX and that they would not stop until I paid them. My husband was threatened that they would serve me papers and continue calling until I paid the balance due.
The woman my husband spoke to when returning the voicemail that was left had a horrible attitude when pressed about who she is, what company she works for and her contact information. He spoke to a woman who would not state her name, but said that her boss 's name is XXXX XXXX.
This exact situation occurred XX/XX/XXXX from the same XXXX XXXX, but it was a firm working out of Texas. They threatened to serve me papers over an amount owed ( more than what the bank account closed out and settled for ). I asked for an email and contact information to send proof of the bank account being closed and I was hung up on and never called again. But now myself and my family are being harassed by these scammers again.
|
| 07/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Hi I would like to file a complaint against A loan officer from fifth third back due to false information and damaging my family. I am a mom of XXXX who had previously owned a property that was cashed payed back in XXXX, I tried applying for the first time for a loan and I meet with XXXX XXXX like around XX/XX/XXXX from fifth third bank who assured me that I was good to apply. I submitted documents in regards to my income and he always knew that I was a 1099 ( self employed ) I was not a good candidate for a loan due to my income from my previous taxes year XXXX and XXXX. I had not clue and I fully trusted this loan officer. He also knew that I had to sell my house first in order to buy and he still allowed me to proceed knowing that I was not going to be approved for the loan, I sold my house in XXXX XXXX staying without a home and leaving my childrens without a home waiting for XXXX to give us the great news. XX/XX/XXXX he calls and says I was not approved for a loan due to my income when I had already paid for the loan application, gaved XXXX money, and paid inspection. XXXX gave me a pre qualification letter without any explanation and and without verifying my income /assets correctly. Now Im homeless and about to lose my {$4000.00} XXXX money because this loan officer gave me false information.
|
| 03/29/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
My 5th 3rd Bank account has been hacked and I have notified them about the breach. This continues to happen after I went into the branch to state I have no online account and nothing is to be transferred out besides my mortgage payment. You see the Bank forces me to keep an account there because I took out a mortgage with them. That said, I complained to the loan officer while doing my loan paperwork that she is sending my private information through unsecured emails. I asked if they have secure email and she said yes and I said I do n't need a password or anything like with other Banks?
No not at all, my bank records, social security number birth date and address all out there with no protection. Since then I have had my XXXX acct hacked and 5th 3rd twice and closing the account tomorrow. I called 5th3rd corporate office in OH only to find out they do n't have any compliance department and I mentioned the CCO 's name and she replied " I have no way to contact him or his department.
I understand there are rules in place within the Gramm-Leach-Bliley Act that are not being observed by the Bank. I really need some help dealing with the Bank.
p.s. The documents I provided to the Bank were emailed through a secure encrypted email system much like other Banks use. Opening it would require a password.
|
| 02/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I got my first car loan on XX/XX/XXXX and on XX/XX/XXXX, I decided the interest rate was too high for building credit so I made a balloon payment to pay off the whole loan. It showed {$0.00} left for me but I wasn't aware of the little interest left that didn't show up until next month so I missed it. Fifth Third Bank ONLY sent letters to my address that I wasn't living in and never sent me a single email about this issue. I change residency frequently because I'm chasing temporary jobs for job experience. They sent letters to my address in XXXX. I left XXXX late XXXX and I've been living in XXXX ever since.
I checked my account, they do have my email on file and their emails do not get marked as junk either. I got a late charge on XX/XX/XXXX and only after they mark my account as delinquent in XXXX is when they decided to call me about the issue and I made a payment over the phone and it was fixed right away.
I check my email every day and all my banks ( besides Fifth Third Bank ) and credit card companies send emails and letters to me.
They didn't offer me any help other than to make this complaint. Please remove this from my credit history. This doesn't reflect fairly of my credit trustworthiness since I didn't fail to make a payment in time and Fifth didn't properly inform me about it.
|
| 06/18/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Re- complaint # s XXXX XXXX The response by the bank fell short of the following ; 1. Why was the wire transfer processed to a different name other than the name intended for the transfer.
The name of the account was XXXX XXXX XXXX services on the wire transfer, but the money was transferred to an account by name XXXX XXXX.
The bank owes us an explanation to that effect. That was not addressed in their response as to why they processed the wire transfer to a different name other than the name intended for the transfer.
Failure of the bank to explain that to us will result in us taking the matter further up against the bank because we feel the banks role was aiding and abetting a criminal act of fraud. To knowingly process funds to a name that does not match the name intended for the transfer is unacceptable and that is why we are holding the bank responsible.
Without a valid explanation from the bank, we will have to sue the bank. This will include damages for the following.
1. Total payment for the loan with interest.
2. Second loan for the replacement vehicle we were forced to purchase in absence of the first.
3. Attorneys fees 4. Compensation for our time and efforts.
This will be decided in the court of law and at that point Fifth-third Bank will not be able to excuse their action.
|
| 12/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
In XX/XX/2018 attempted to withdraw {$100.00} from a XXXX XXXX XXXX ATM. It did not dispense the money. XXXX XXXX XXXX referred me to MY bank 5th 3rd who put the {$100.00} back in my DDA only to withdraw it a few weeks later because XXXX XXXX XXXX replied to their inquiry by stating the ATM dispensed the money that day.
That was a lie and XXXX XXXX XXXX apologized to me after they investigated my claim further upon receiving a CEO Line Complaint from me. They have tried twice to deposit the money back in my 5th 3rd DDA and each time myself or my wife has asked about it - 5th 3rd has been rude, dismissive and uncooperative.
The latest incident of disparate treatment occurred THU XX/XX/2018 when myself and a XXXX XXXX XXXX employee via a 3 way call desperately tried to explain the situation to a 5th 3rd SUPERVISOR who was rude, arrogant, unhelpful, dismissive, condescending, and she accused myself, a 5th 3rd client for many, many years, of lying. UNACCEPTABLE.
The Supervisor was given the dates of the two attempts where XXXX XXXX XXXX attempted to credit my DDA and she simply stated " I don't see them '' and that was it. no effort on her part to locate the now {$200.00} XXXX XXXX XXXX has spent trying to give me back the {$100.00} I am due. Outrageous. The dates are XX/XX/XXXX and XX/XX/XXXX.
|
| 08/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
To whom it may concern I XXXX XXXX went to the bank to withdraw funds from my savings account and was told I needed my XXXX parent XXXX XXXX which the XXXX was initially XXXX XXXX who is deceased XXXX was never appointed the XXXX of my account I am not minor and should be able to with draw the money from my account according to the XXXX XXXX XXXX bank has my Drivers license and phone number on file they said I could come and withdraw at any time now they saying I cant unless my mother is with me they sent the letter to my grandmas old house which was in XXXX and none of my family live there and I live in Georgia so why are they sending information to wrong address and contradicting what they first letter say I am asking you to look further into the bank and the XXXX laws because XXXX bank has been Miss leading us for so many years regarding this account they dont have the Wright to withhold bank information from me about the interest rate because when my grandmother passed the rate was much higher than they are stating and want to only state the rate after she passed I have tried to withdraw the same month she passed in 2004 when the rate was higher please advise whats next steps I can take with XXXX bank and can you please review first complaint and respond they gave you.
Thank you XXXX XXXX.
|
| 10/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
The company had did 3 inquiries on my name when I only authorized for 2 times. Then after they ran my name they new what was on my credit report before they gave the 2 credit cards. One was a cash back reward card for 12 month with a balance transfer with no interest. I havent even had it 12 months and they decrease it already. I only had it for 10 months. After that I pay them off they decrease it to {$500.00} when they gave me {$5000.00}. The other card was a truly simple card for 15 months with no interest. It was for XXXX and now they decrease it to XXXX and I have been paying on it. I havent even had it but 9 months. I have nothing on my credit report negativity. My score is over 700 and I Strongly Disagree with there decision after the fact they already new All the credit line I had out there. I never had anybody decrease my credit line if a they would increase and Surly not in less than a years. I was TOTALLY disappointed, disagree, and distraught how I was treated by the credit card President of this company when I had bank account and saving account. Oh by the way they change bot of my credit cards numbers so on the on question you for the credit cards number I only have the new account number so that what Im giving you.Please appreciate if you can help me Rectify this issue. Thank You.
|
| 04/12/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
Servicemember |
|
The loan is with Dividend Finance, it was taken by XXXX XXXX a sales person with XXXX XXXX while at my residence on XX/XX/22. I did not sign the initial DocuSign documents, the sales representative did. I was shown through a presentation that my monthly payments with them would stay the same while electric costs would just rise. Nothing about interest rates changing and nothing about a balloon payment. It was explained to me that no payment would be due at all until after installation was completed. My solar panels still have not been installed. However, Dividend emailed me XX/XX/22 a " notice of completion '' to which I promptly notified them back in writing that installation was not completed. The solar panels were not connected to my house. They still remain unconnected to my house to this day. I repeatedly tried to resolve this with the contractor, my utility and the finance company. So, I did not ever sign the DocuSign sent to me. Is one issue, the next is the change in interest rates was never disclosed to me. The balloon payments were never disclosed. Also, and most importantly, the item that the loan is for has never actually been completely installed. The contractor abandoned the project. The lender has been notified multiple ways including on the XXXX and via their website and email.
|
| 08/29/2015 |
Yes |
|
- Credit line increase/decrease
|
|
Web |
Older American |
|
Fifth Third Bank has lowered my credit limit creating a large point score loss because the balance to high credit ratio has gone over 80 %. I opened this account earlier this year. At that time the banker told me my credit score was XXXX. Fifth third ran a retrospective analysis ( I will discuss this in a moment ) that showed my new score XXXX points higher. They lowered my limit. I have never missed a payment with them.
I worked in middle management with XXXX XXXX and XXXX. I hired XXXX XXXX to build a point score for my company BEFORE they built the ones for the Bureaus in XXXX. I know the scoring system. A retrospective analysis allows them to run their portfolio against the data base to see major changes in payment activity and score reductions and change limits accordingly. MY SCORE WENT UP.
They were the ones giving me a notice that my score is now XXXX on the letter indicating the reduction in limit. This action has lowered my score to the XXXX. In other words, through no missed payments with this company, they have now subjected me to higher interest rates on loans, potential credit line reduction at other companies and continued score drop.
I will be suing Fifth Third for this theft of my funds and hardship they have put on me even though I have lived up to my agreement with them.
|
| 12/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage is held by Fifth Third Bank. My homeowners insurance, paid to XXXX XXXX, is paid on an annual basis by Fifth Third Bank via escrow. Recently Fifth Third Bank changed the vendor they use to process insurance payments. I received a call from my insurer, XXXX XXXX, about 10 days ago, XX/XX/XXXX or XXXX informing me that policy had not been paid and it had been billed on XX/XX/XXXX. I was unable to reach anyone at the bank as I was informed they were having system issues. I then called my local bank branch and spoke with the onsight mortgage agent, XXXX XXXX, who contacted XXXX XXXX at XXXX XXXX to request an invoice she could forward for payment. 10 days later, another call call from XXXX XXXX, and Fifth Third still has not paid the premium out of my escrow. A very confrontational phone call with Fifth Third agent named XXXX, and now, supposedly, a check is being mailed overnight to XXXX XXXX. It should not, in my opinion taken nearly 3 weeks for this transaction to occur. I am 5 days away from policy cancellation due to Fifth Thirds new vendor arrangement and subsequent inability to manage insurance payments from a new vendor. Fifth Third, at the corporate level, not the local branch level has been difficult to deal with. I have NO issue with XXXX XXXX, they have been very helpful.
|
| 02/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have an auto loan with Fifth Third Bank. My payment was made on XXXX/XXXX/17 - BEFORE it would be considered late. I physically walked into the Branch and made the transaction at the Teller window and I have the receipt. I received a letter XXXX/XXXX/17 stating my payment had not been received and have been receiving collection calls for the account even though I have contacted the bank ( on several occasions since XXXX/XXXX/17 shortly after receiving the letter ). Several times, they have been told to stop making collection calls - by their own manager - and they continue to call me daily. They are still " researching '' it as they can see I made my payment ( they have place a copy of the receipt in the request on my account ). They have lost my check. I 've offered to provide a replacement check if they would pay for the " stop payment fees '' on the check they lost ( which they tell me they probably ca n't do ). If they do n't post my payment by XXXX/XXXX/17 it will be considered 30 days late and they will report a late payment to my credit ( I have NO LATE PAYMENTS on my Credit ) but assure me that since it is their fault, they will have that removed. I do n't believe them, I do n't trust them since this has been ongoing since XXXX/XXXX/17 and they are " still researching '' the matter.
|
| 04/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2019 I deposited {$500.00} into the fith third Bank in XXXX on the corner of XXXX XXXX and XXXX XXXX XXXX, IN XXXX. As soon as the ATM received my money it froze and shut down. I went into the bank to inform them of the situation. I spent an hour with them and the manager had called in and gotten me a refund that was placed in my account several days later. I ended up having to go back home, getting cash, and paying bills due in person and wasting my entire day. A month passed and two days before I have a XXXX XXXX XXXX, the bank removed the money from my account, draining my funds and preventing me from paying my bills. I called in and had no success with speaking over the phone so I drove to the branch the problem occurred at and talked to the manager. He had no recollection of our previous meeting and said there was nothing he could do and I had to email and reopen a claim. They asked me for a receipt which I never received because the ATM did not produce one when it froze up, and they refused to check the video footage that would've shown me placing the {$500.00} into the ATM. I emailed the claims department and have not heard anything back from them. So my account is still drained, bills unpaid, and I'm laying here with XXXX XXXX XXXX up in my XXXX unable to move from my bed.
|
| 09/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I refinanced my home with 5th/3rd Bank. The mortgage was to include escrow and taxes. After the loan closed I attempted to cancel my automatic withdrawal for my homeowner 's insurance. I was advised a balance of {$970.00} remained and would continue to be deducted monthly through XXXX. The bank 's explanation is that they did not receive the full attachment sent by my insurance agent indicating a balance remained. The agent has proven to me that he sent the full attachment and that 5th/3rd Bank did not contact them when they received only XXXX page, therefore my XXXX statement was inaccurate as it did not address the remaining balance owed for my homeowner 's coverage.
I believed, in good faith, that they had collected the correct information and that the disclosed escrow amount took into consideration my current balance. 5th/3rd is at fault for not determining the balance due on my homeowner 's insurance. When I asked them to rectify this after the loan closed they would not recalculate the escrow to make it correct. Thus, for the next 6 months I will be paying an additional {$160.00} per month for insurance. This was not the deal I made with 5th/3rd and poses a financial hardship for me. Through no fault of mine, I will be financially strapped to make this additional payment through XXXX.
|
| 02/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
A well intentioned, poorly trained Fifth Third Bank representative tried and failed to setup automatic payment as promised, which caused the XX/XX/2018, late payment issue on a new account. The fault resides with Fifth Third Bank. Evidence of the bank representatives actions have been supplied. Once an alternative automatic payment approach was provided by representative to customer in XX/XX/2018, the customer did the setup, and all future payments were automatically on-time. There is still {$130.00} of late fees the bank has not refunded yet due to the banks actions and lack of actions as was promised by their local bank representative. Although a late payment happened, the funds and automatic payment method were available to the bank representative well in advance of payment due date.
XXXX, XXXX, and XXXX disputes were logged, but not resolved because FifthThird Bank has not addressed correcting that the XX/XX/2018 late payment was due to FifthThird Bank. This action by FifthThird has cost several tens of thousands of dollars, maybe hundreds of thousands of dollars, of declined credit. This is the only late payment on 6 years of credit history.
FifthThird Bank advertises great customer service. The public and I expect better. I appreciate the CFPB 's help righting this 2018 situation.
|
| 12/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Despite the fact that my mortgage is at an LTV of approximately 65 %, 5th 3rd bank force placed an escrow account on my mortgage, and has raised my monthly payments by over {$600.00} per month. I have a condo and all flood insurance and home owner 's insurance is collected through my HOA dues and paid by my HOA. I pay my property taxes myself directly to the county.
5th 3rd force placed insurance on my property because they did not contact the insurance agent to get evidence of insurance when it was time to renew. Once I finally got that resolved, they stated they needed to set up an escrow account to collect for taxes for the year XXXX, due in XXXX. Again, this is despite the fact that I paid my own taxes in XXXX.
I am in the process of refinancing, primarily to get the servicing of my mortgage away from 5th 3rd Bank. On my payoff letter, 5th 3rd is requiring payment of over {$3500.00} in XXXX property taxes that have not yet been billed, and that they are not going to pay, as they will no longer be the servicer on my loan. This has delayed closing on my refinance and cost me extra interest expense each day this goes on. They advised me to bring the additional $ XXXX to closing and they will supposedly refund it to me. DO NOT USE 5th 3rd Bank for your mortgage needs, or any lending need!
|
| 12/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I spoke with XXXX ( employee IS XXXX ) in case number XXXX on XX/XX/XXXX. I deposited {$1000.00} in my account when I had {$640.00} positive. My balance was over {$1700.00} when I went to bed. Today I woke up with my balance {$350.00} positive after I had a few payments taken out and I realized the bank took {$140.00} in overdraft fees, when my account was not negative when I deposited the money. I was told that was due to the deposit being made after XXXX etc but my mobile app, the ATM nowhere it said I had a negative balance. Then they explained to me that debits are taken before any credits, so if I have payments posted the payments will be taken out of the account first, then ( even if I have balance in the account!!! ) they assess how much money I had before any deposits. Its a very predatory calculation to do because it leads customers to think they have money in their account, but not according to the way Fifth Third posts the translations. I was told they wouldnt be able to reverse the {$140.00} in fees and Im here to ask for the love of God to get this back. Ive been working part time since our restaurant is shutdown and doing carry outs only and even though this {$140.00} may not seem a lot but its literally our weekly grocery. I dont know what else to do, its a total desperation.
|
| 03/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Paid my rent {$2300.00} on XXXX/2023 ( sunday ). On XX/XX//2023 my ending balance was {$2400.00}. 2 transactions were made on XXXXXXXX2023 ( XXXX - {$6.00} at gas station & 2 - {$40.00} to XXXX ). Per my online and banking statement my rent payment of {$2300.00} was removed on XXXX/2023 leaving me a balance on XX/XX/2023 of {$260.00}. With that balance I repaid a debt via XXXXXXXX XXXX of {$200.00} on on XX/XX//2023 and made a purchase of {$24.00} on XX/XX/2023.
So to my surprise this morning ( XX/XX/2023 ) I get a return payment notification from Firth Third bank saying that they returned my rent payment of {$2300.00}. I contacted customer service and a manager told me that " technically '' the payment did clear on XX/XX/2023, but the purchases of {$24.00} ( made on XXXX/XXXX/2023 ) and {$40.00} ( made on XXXX/XXXX/2023 ) came out first making my account negative so they returned the payment.
How is a family suppose to manage their finances like this. I get email and text notifications and check my online account multiple times daily and there seems to be no way to avoid these issues and then fees. So now I have to pay a return payment fee, a late payment fee, and drive across town to pay my rent with a money order all because of this mess. I am not confident in banks in America now.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Fifth Third Bank erroneously allowed a forced charge on a XXXX bill. XXXX erred by not converting my rental charge to monthly, instead opting to daily charges, which resulted in an overcharge/ force charge to my Fifth Third credit card. Fifth Third erroneously reported this balance owed to XXXX. Fifth Third also attempted to debit nearly XXXX XXXX dollars from my checking account, which was blocked and reversed by XXXX XXXX. Fifth Third also failed to apply for payments from a secondary third credit card I had paid off to the Fifth Third credit card account in question ending in XXXX. Fifth Third instead sent multiple refund checks to me for the overpayment of the credit card I had paid off. Fifth Third utilized their oversees collection agency to make numerous harassing calls to me despite me making payments to my credit card account in question, failed to provide me with statements for at least the last year, provided invoices and balances due for dates that were separate dates demanded by their emails ( The Fifth Third statements were demanding that payments be forwarded on the XXXX day of each month while Fifth Third emails demanded payments to be made on the XXXX of each month, and Fifth Third failed to thoroughly and professionally investigate my complaints regarding this disparity.
|
| 03/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened up a checking account with fifth third bank and was being promised {$600.00} account opening promotion bonus.
The promotion bonus was divided into 2 parts : - {$250.00} for funding the account with direct deposit {$350.00} - Increase the balance in the account by {$14000.00} " within 45 days '' and maintain {$14000.00} for 90 days The complaint is that I met the condition of adding funds within 45 days but still 53 is not honoring the 2nd part of the bonus which is {$350.00}.
The reason that they have told that the promo code fell off the account in between when I lowered my balance less than {$14000.00} for couple of days.
But, having said that, I still have 45 days to recouped to the bonus requirement within 45 days which I eventually did.
The 53rd bank has violated terms and conditions wherein they gave me time period of 45 days to meet the criteria. When I have met the criteria within 45 days, it shouldn't matter as how many times the balance fell below {$14000.00} or not.
The bank is performing malpractices to avoid giving promotion bonus.
Here are the account details - Account name - XXXX XXXX Account # XXXX XXXX branch location where account was opened - XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone # of the branch - ( XXXX ) XXXX Best Regards, XXXX XXXX Cell : XXXX
|
| 06/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I initiated a XXXX XXXX XXXX XXXX deposit to my bank account. On XXXX different occasions XX/XX/XXXX and XX/XX/XXXX. The instant deposit is supposed to credit your account immediately for a fee. The mine did not deposit into my bank account until XXXX days later I had to file a dispute with XXXX and fifth third bank XXXX days later, after following the dispute, the phones became available in my account. However, I had XXXX transactions that came through the account that was not covered because they did not put the funds in my account which was requested to be done instantly because of this XXXX charge me XXXX overdraft payments of {$34.00} each. I contacted this third and was told that they were having issues with XXXX and XXXX XXXX, not depositing monies as they were supposed to but yet still could not refund me my {$74.00} that was charged to my account. This was charged due to no-fault of my own. This was on fifth third bank or XXXX XXXX. I called XXXX XXXX and ask them to give me the funds back and they said no as well so XXXX is blaming fifth third. Fifth third is blaming XXXX. Again fifth third stated that they were having problems with XXXX in terms of depositing money into customers accounts so if you know this information, why are you charging the customers fees because of this
|
| 01/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX XXXX, XXXX, I went into my local Fifth Third Bank and paid off my Mortgage Loan in full. I was told to pay my XXXX payment of Property Taxes. I went to the Court House and paid my Property Taxes. In XXXX I received a letter from the Court House that 5/3 had also paid my Taxes.
I then went online to my banking and saw that my Mortgage had Not been paid off. I contacted the local branch and found out that instead of applying my money to payoff, they took out a payment that was Not due until XXXX XXXX, they had also paid the Property tax. This should never have happened as it was paid off on the XX/XX/XXXX
Then by the first part of XXXX, I started getting collection calls on this Mortgage and also mail every day saying I was in default.I even received a Foeclosure letter via Registered mail.I have called faxed and gone into the bank daily to resolve this. I went in and paid the {$350.00} that they had paid on my property Tax. I keep getting told on a daily basis that this will be resolved in 2-3 business days. It has been 73 days. This is ample time. The money shows on the account as unapplied. I do n't know what else to do. I have my paid receipt and the payoff letter from them. I have hired an Attorney. This is Harrassment and I have spent countless hours trying to resolve this.
|
| 12/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX we received 5/3 credit card statement with fraudulant charge -- account # XXXX. Called customer service to report. Dispute was resolved -- confirmation letter received and charge removed from next statement. However, a new card was to have been mailed to us on XX/XX/XXXX to receive in " XXXX business days ''. Card never received. XX/XX/XXXX we called customer service again. Replacement card ending in XXXX was to be deactivated and new card ending in XXXX was to be reissued that date. -- " allow XXXX business days to receive ''. XX/XX/XXXX card still not received. Called customer service and was instructed to " wait until XX/XX/XXXX as replacement card was actually mailed XXXX ''. If new card not received by XX/XX/XXXX, they would " expedite card ''. On XX/XX/XXXX replacement card still not received. Called again. Replacement card would be " expedited and should receive on XX/XX/XXXX or XX/XX/XXXX ''. On XX/XX/XXXX called service department once again. Representative quoted additional/different card # XXXX that had been activated/deactivated since XX/XX/XXXX. As of this date XX/XX/XXXX, NO replacement card has been received. We are VERY CONCERNED about all of these credit cards that have supposedly been issued and are floating around out there somewhere with our name on them.
|
| 10/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth Third Bank in Ohio purchased my existing home mortgage from XXXX XXXX, XXXX XXXX, FL, in XX/XX/2021. The home and mortgage belong to my partner and I. XXXX had all information correct and online mortgage payments were easily made.
Multiple attempts to setup the new Fifth Third mortgage account online, and with their customer service department were futile. I was told due to their error in transposing my Social Security number being associated with my partner 's cell phone number upon the mortgage assumption from XXXX ; it could not be accomplished online or by phone.
It must be accomplished at a local Fifth Third Bank. There is only one location in XXXX XXXX, and due to danger of COVID exposure with my health status, it is not an option. My partner lives in Oklahoma, and there are no Fifth Third Bank locations.
It seems irresponsible to risk my health to visit their one branch office, to try to potentially, and with no assurance, resolve an error of their responsibility. I was also told I would need to setup an ATM card with Fifth Third, in order to be able to receive the benefits of online mortgage servicing. I am very much concerned for their customers with XXXX ; and requiring additional accounts for mortgage servicing.
Thank you for any assistance. It is much appreciated.
|
| 03/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I was called from an unknown number stating the man was a process server attempting to serve me but he wanted to set up a time to schedule it. I asked what it was for and he didnt know but gave me a phone number to the law office. I called and a very rude man informed me I had a 10 year old debt to a bank and I owed $ XXXX and I stole from the bank, it was a fraudulent theft charge and I was going to jail/county lockup for 180 days. I asked what the debt was for and he would only tell me the name Fifth Third bank. Man knew my full SSN. Anytime I asked for any other information he became belligerent and said I was refusing to pay and he was going to use the recording in court to prove I knew about the debt and that it was accurate and I confirmed it was mine, though I did not. Man said I had a court date for the following Monday at a XXXX court but he refused to give me any sort of case or account number, he said he didnt need to because he had my voice recorded saying I knew it was mine and I was refusing to pay. He hung up on me twice. I called both Fifth Third bank, who declared I didnt owe them anything, and the XXXX XXXX county court, who said I had nothing pending under my name. I worked in a debt collection law office and know there are multiple MULTIPLE FDCPA violations he made.
|
| 03/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders.
In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations.
I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.
|
| 05/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I obtained a 5/3rd Trio Card in XX/XX/XXXX from branch manager XXXX. Promotion was to spend {$1000.00}. in first 90 days and receive {$100.00} cash. XXXX, branch manager explained in detail that after this criteria was met it was as easy as walking back into this branch and receiving the {$100.00}. XXXX misrepresented the card, saying it would really be an added promotion to an existing 5/3rd card I have, as I was sensitive to the fact that part of my credit score was helped by having the long existing 5/3rd card. XXXX assured this would be the case instead a new start date with a brand new card was initiated, affecting credit score. I did spend the {$1000.00} in the first 90 days.
I have gone in now 3 separate times to resolve this, speaking with XXXX XXXX XXXX and now XXXX XXXX. Each trip was over 30 min in length due to each of them not resolving the issue. All 3 state it is clear I have met the criteria, but " corporate or credit division or whoever '' does not show the correct amount of reward points and all have tried to make this correct.
Latest visit was yesterday, XX/XX/XXXX to XXXX, manager, who after 40 min took my info and assured that a regional manager would call same day. I provided phone and email, no call or email. I just want to receive the {$100.00} promised to me
|
| 10/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
Starting XX/XX/XXXX, our mortgage went up from XXXX usd to XXXX usd because Fifth Third Bank somehow CHARGED DOUBLE for the property taxes.
We wrote and called. We sent an email XXXX XXXX back in XX/XX/XXXX, and 4 more times after that- as instructed - and never heard back from them.
Fifth third bank charges us {$300.00} more per month on mortgage since XX/XX/XXXX because they assumed that they received XXXX property tax bills from XXXX XXXX for the year of XXXX.
This is INACCURATE.
Please see the explanation below by XXXX XXXX " The screenshot you included in your email appears to be a projection made by your mortgage company for the XXXX tax. The XXXX tax assessment has not yet been finalized by the Department of Tax Administration, but it should be available around the first week of XXXX. '' XXXX XXXX also attached a screenshot of the ONE property tax bill for XXXX, due XX/XX/XXXX. Since we already paid that in the escrow account : Fifth Third needs to make that payment.
We have called the customer service about 10 times and each time they asked that we emailed the issue to Fifth Third Tax Dept at XXXX.
WE NEVER HEARD FROM THEM EVER.
We keep paying {$300.00} extra per month with no end in sight. We want to file a complaint - and if that is not enough, a legal action.
|
| 05/31/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
Is there a way to get money back if your scam by the company 's that you were supplying a card machine for your business to be able to accept payments. and they did some thing where i only got some of the payments deposited it to my bank and most of the payments they would process normal on my end but never be deposited fully into my account. some customers have admitted to me that they would make there payment using there card and it would show processing for a few days than it would go away and they would never being charged for the transactions. The company use and changed name on me a few times, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX but on the irs form XXXX XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX The only name person I can recall is a XXXX XXXX and the guy who signed me up in the beginning XXXX XXXX. and not to leave out they filed a claim on my credit for a billing of improper charging of fees that they continue to take out of my account that i had to close because when the bank would block them from charging me they would use other thermal and charge a different amount so it would go threw. my contact info is : XXXX XXXX XXXX BUSINESS NAME : XXXX XXXX XXXX
|
| 05/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Fifth 3rd Bank has listed in credit reports that both my wife and I have missed 8 payments. In fact we have not missed even one without their instructing us that under the modification program we eventually qualified for, we could skip up to 2 Two payments. All other payments were made. In phone communications with them, I was told they were refusing to do anything about the false report until we served them with proof that the credit bureaus contacted them and then gave us 5th 3rd Banks written reply. XXXX immediately removed the false report from their listing. XXXX took my complaint three separate times and only sent back emails stating that the process was completed, but not once reporting what was the reply. In a fourth contact, by phone, they would not give the reply verbally and stated I would get a written copy in 3 to 10 business days. That was over three weeks ago. Now, by phone, they tell me I am no longer able to confirm who I am to begin any discussion of 5th3rds response or what happened to the promised written reply. The History of bad faith on the Bank 's part is atrocious, including attempts to foreclose illegally and refusing to remove PMI as required when debt went way under 80 % of value. Then, after removing it in the modification, they just arbitrarily add it.
|
| 09/23/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
After being assured by the loan originator that everything was perfect and there would be no issues in XX/XX/XXXX just now in XX/XX/XXXX I have been denied a mortgage. Of course after spending {$400.00} dollars on an appraisal and countless other {$5.00} transactions to fax over document after document to prove the most ridiculous things, from where deposits as low as {$140.00} came from to the ownership of a XX/XX/XXXX XXXX wheeler. In the end they denied me based on credit issues which have only improved over the four months of jumping through hoops. The reason for denial is a fabricated XXXX and I believe I should get a full tefund for all the money I spent due to being lied to from the start. I believe the underwriting division of this mortgage through 5/3 did not do their job properly as well as the communications between myself and 5/3 mortgage was horrible. I ended up having to reach out to the bank manager to have him contact the loan originator for me. The underwriting department headed by XXXX XXXX has had XXXX contact with me regarding my mortgage application and process for over two months. Then I simply receive a letter stating it was denied. Four months of wasted time and money and not only no mortgage but absolutely no explanation as to why. Horrible customer service.
|
| 05/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
Fifth third bank applied late charges to my auto loan without notice. In XX/XX/XXXX I switched auto insurance providers. I have an automatic pay structure though our bank XXXX and made our scheduled payments without interruption.
On XX/XX/XXXX I looked at Fifth Third 's portal for payoff information and found late fees on my account and emailed them through their portal asking for an explanation.
On XX/XX/XXXX, I logged into their portal again and found their response was that they applied a fee for auto insurance when I switched providers and that they had " mailed a notice '' to my home. All our transactions have been electronic and they did have my email and phone number but I did not get any notice.
When I called about the lack of notice and to validate my current insured status, " you need to pay us or you will be late again. The insurance validation process takes a long time and is another department, so you need to pay us today ''.
This appears to me that they are trying to drive additional fees much like XXXX XXXX . Though they got monthly payments that did not trigger an attempt to explain a need for insurance validation or any communication with me at all. I think they would have been happy to take my payments forever, applying them to fines that should been applied.
|
| 11/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
The bank is Fifth Third bank. I have been trying to set up auto-billpay for 3 months now. I thought it was set up in XXXX when I worked with an agent in the auto bill pay department and enrolled. I expected my loan payment to be auto debited from my checking account for the XXXX loan payment. Instead I got a call from Fifth Third collections department 5 days after the payment due date. Again, I paid over the phone, but the guy I talked to said it takes 2 to 3 months to activate auto bill-pay ( which I knew was soundly incorrect ). My XXXX payment was also not debited from my checking account, and I talked to 5 different people today to resolve this, 2 of them being " managers. '' I heard a different story from each one of them as to why my bill pay is not active. Again, I paid my payment over the phone. I have never heard of this bank and plan to shop for a different lenders. Some of the reasons they gave were absurd, but all of them different. They definitely do not have their ducks in a row. The only thing I could think of for not setting up auto billpay immediately, this is a way to collect additional late fees or something. I worked as an XXXX XXXX a financial institution and knew what they ALL told me was garbage. So I told them I was filing a complaint today with the CFPB.
|
| 09/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I started and signed my RESPA with 5th3rd bank on XXXX I was told for the next three months that my application was good and my file was moving well. I have multiple emails, texts, from XXXX XXXX XXXX number XXXX that the file was working. He called my realtor and told them all was good. He asked me multiple times for more documents which I have email proof I have provided. He then went missing and I was forced to call his manager XXXX XXXX. XXXX XXXX informed me that XXXX never submitted my application and was lying to me throughout the entire process. He then stated he would get me back on track. They asked me for more documents which I provided and then told me we would be closing soon. Then they both disappeared as my closing date came. I asked what the status was and they said they would get back to me immediately that was four weeks ago. This person took my personal information by email told me that not to do it through the secure portal 5th 3rd provides. I am afraid he may have stolen my info and also I am not able to close on my real estate transaction that is closing me roughly {$1200.00} a day in rent loss. Neither will respond so I attempted to reach out to XXXX XXXX XXXX manager with no response. Basically, I have missed my contract, lost money, and have been scammed.
|
| 09/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
I have a mortgage on my Condominium with Fifth Third Bank. My taxes and insurance increased last year by approximately {$2000.00}. The escrow statement for the coming year has reflected the increase and I agree with that. The escrow statement however, claims that I will be {$5700.00} short this year even though I am paying throughout the year. The Bank 's justification for the shortage is that they are paying the tax in XXXX, even though it is not due until XXXX. Further, calculating the balance at the end of the year, they still claim that I would be {$1200.00} short, even though I will have {$4500.00} in my escrow because they are using the same logic for the next year. This is akin to asking for a deposit and this skewing my payments wherein I am paying {$900.00} a month for escrow and only {$800.00} for my mortgage and interest. I have another account with Fifth Third and this is even more more egregious because the county has not even released the tax bill which will not be due until XXXX of Next year and they are claiming that they are paying this in XXXX. Fifth Third personnel were rude and told me that they have a right to collect the money at any point since they are the ones paying the taxes and insurance. In effect, they are skewing these escrow balances on purpose.
|
| 01/20/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
I opened an account with 53rd bank in XXXX Kentucky. This was an IRA direct transfer from another bank. I put it into a CD which was to mature in 2.5 years. I signed paperwork and got a receipt saying I had opened a CD/IRA. When the CD matured at 53rd I went to roll the CD/IRA over to another bank and to my horror discovered that 53rd bank had not coded my IRA correctly when they received it as a direct transfer from the first bank 2.5 years ago. My money had been sitting in a regular savings account for the last 2.5 years unbeknownst to me. I didn't know what to do so I took the money and deposited it at another bank in a regular savings account since I know you only have 60 days to roll over an IRA and it had been 2.5 years thanks to 53rd bank.
Now I am looking at a big tax bill and penalties due to 53rd bank 's mistake. I asked them to help me write a letter to the IRS to explain their error but they refused to help me even though they admitted it was their mistake. Instead, they wanted me to sign something saying that I wouldn't sue them.
I called them a few times but they do not ever call me back.
I am going to take a big financial hit due to their mistake ( admitted to me by them ) but they refused to take any responsibility.
I don't know what to do. Please help.
|
| 01/08/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I purchased a check ( drawn on 5/3rd ) from my neighbors girlfriend who XXXX XXXX for a living. She is aXX/XX/XXXX XXXX to the United States and regularly uses a check cashing service. However, her I.D . is expired and she did not want to go to the DMV during COVID-19 so I purchased her paycheck ( written on a personal check w/XXXX pay in the memo line ) from her. However, when I presented it to 5/3rd on two separate occasions it was met with wrongful dishonor. Dishonor was wrongful because they refused to even check whether the drawer had sufficient funds or had entered a stop payment order. Accordingly, 5/3rd committed a tort against its client/the drawer of the check. Furthermore, they gave me bad legal advice that the person I bought the check from was liable but the indorser of an instrument is only secondarily liable so any action against the indorser for primary liability would be dismissed in court and cost me further money. This standard practice of 5/3rd is in direct conflict with well settled principles of law, causes financial detriment to persons such as myself, and poses a great danger to those in our society who are the least well situated to shoulder that burden. If I can not present an instrument for payment to the drawee bank, then where would I present it?
|
| 11/24/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
I subscribed to XXXX app on my XXXX XXXX for a 30 day free trial. At the end of the trial I did n't want the service so I tried to cancel the service. It is impossible to figure out how to cancel the service. XXXX 's website says to go to the XXXX XXXX store on my XXXX to manage the account and cancel the service but the APP does not have a profile or any way to cancel. I was charged {$100.00} on XXXX/XXXX/XXXX by XXXX They gave a number to call on my bank statement and when I call the number XXXX it tells me to go to the website. And that 's continues the Marry-go-round. This is a major scam by XXXX, to not get any cancellations. And its close to fraud when they say 30 day 's free trial because of the " negative enrollment '' if you do n't cancel within 30 day they will bill. But it 's impossible to cancel so I 'll get billed forever unless you can help me and probably hundreds and thousands of people who are being bill and want to stop it. This really is Bank Fraud because the bank billed my for the charges. So Fifth Third Bank is billing for a company that is bilking the public out of millions of dollars. I e-mailed 5th/3rd bank and they told me I authorized the purchase by agreeing to the 30 day free trail and not cancelling before the 30 days expired. Please investigate.
|
| 05/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
I mailed a check XX/XX/2021 for my mortgage someone stole my check used the routing number and my account number made the check out to someone and changed the amount of the check to XXXX, the person did not even sign my last name on the check clearly it was fraudulent Fifth third bank honored the check and the thief got my hard earned money, I filed a dispute with the bank, made a report with the police department, was told fifth third would reimburse my money it has been over 10 days and when I call the dispute line I get nothing but excuses, when I call t he bank manager she talks fast and gives empty promises I tried to close the account they said " No '' not until they reimburse the money a hold was put on the account, I tried to close my other two accounts and they gave me the run around, we don't have that kind of cash on hand or you need to make an appointment to close your account, I filed an investigation with fifth third on XX/XX/XXXX th and nothing has changed, I just want my XXXX that they let this XXXX take out of my account this person signed my first name and didn't even bother with my last name and they still let him get away with alot of my money, I want my money back and to be allowed to close my other two accounts in peace and they will never see me again.
|
| 05/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
I am a cosigner on an auto loan with the 5th Third bank. I co-signed the loan in good faith and all auto payments are made on time and the account is up to date. Yet on a daily basis I receive calls from 5th Third Bank trying to collect money for unpaid auto loan balances which don't exist. I signed as a co-signer on a auto loan for my son-in-law and daughter who maintain the account in good standing. I have on a daily basis explained this to 5th Third Bank to no avail. It seems, short of changing my phone number, I'll not be able to stop this attempted false collection of debt without your help. I am harassed daily by the collections department of 5th Third Bank for collection of non-existent debt and yet when checking with the 5Th Third Bank Loan Department by my son-in-law everything is up to date, no overdue payments etc. The bank has threatened reposition of the vehicle if these non-existent overdue payments aren't brought up to date. How this bank can harass an up to date account in this manner I simply don't understand. I actually have little information on this account except I do have the account number which I can provide you if necessary. Any help you can give me in this matter will be greatly appreciated. I am simply tired of the daily harassment by this company.
|
| 08/15/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
In XXXX, I was told to contact XXXX banks to see if I could get financing because they did not want to refinance my loans. If I could not find a bank to refinance my loans then they would see what they could do. In the meantime I had to pay whatever monthly interest they assessed. Who would do this? I did find a bank that took on all of my loans except one. I recently applied for a job that required a credit check. The mortgage loan was purchased and paid in full in XXXX. However, it appears that the bank that received payment and have a XXXX balance is now stating that this mortgage is still in foreclosure which is incorrect. The loan did get paid and the bank have a XXXX balance where payment was received but it is listed as a foreclosure when it is not. I would like for this to be taken off of my credit report. I was told that it was the fault my current lender. How could that be when the balance was given what was owed and they received payment? I reviewed that status on the credit report and it will remain on my report until XXXX? How could that be when the mortgage account was paid in full and the current bank is holding the mortgage? Please help and explain to me how this can be removed off of my credit report when the bank in question received full payment. Thank you
|
| 04/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Fifth third charged me fraudulent overdraft fees for an account that was never overdrawn. I was up until 3 am this morning on XX/XX/22 and my account still had a balance over {$900.00}. My direct deposit of {$1300.00} also deposited into my account around XXXX XXXX XXXXXXXX called me at XXXX XXXX to confirm it was okay to cash a {$900.00} check on XX/XX/22 and I confirmed it was okay since I knew more than enough money. I checked my account after the young lady XXXX told me over the phone shes going to cash the check to see fifths third charge me a {$74.00} overdraft fee for an account that was never overdrawn! I called and spoke with a supervisor named XXXX who tried to feed me lies about when XXXX cashed the check, I informed her I was up until after XXXX XXXX this morning and checked my bank account while scheduling to pay my bills then her story turns to If an account is overdrawn it doesnt show until after XXXX XXXX. Ive never heard such nonsense in my life and there was nothing to overdraft my account I scheduled all of my payments for AFTER I know the funds are in my account. Her XXXX XXXX excuse is concerning as well as a member of this bank what deceptive predatory bank lies about the funds in a customers account so they can charge fees. This is beyond outrageous.
|
| 07/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I used my debit card fine to purchase lunch today went back to work, finished my shift. Went to get a hair cut and my card was declined after I had received the hair cut. Called Fifth Third Bank and they were very secretive and asked me a ton of verifying questions. Not normal. I explained my car was declined and asked why cause I know I had at least {$900.00} in my checking account. They could not tell me anything. The team that suspended my account had gone home for the day and it was only XXXX EST. They couldn't do anything to help me or help me understand what was going on. I'm left here with no money and no reasoning to even give this business why I can't pay for the service they just gave me which is beyond embarrassing. You'd think a bank that you give your money to and trust would at least give you some sort of notice like a text, email or phone call before making a change like this. Also to maybe call me before making this change and work out whatever the issue is rather than turn it off and then go home for the day. This is beyond stressful as I can only hope this doesn't last more than a day otherwise how am I supposed to pay my bills. I have all my money in that checking account and my direct deposit goes there. My rent comes out next week. Lost all trust here.
|
| 02/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Around XX/XX/XXXX I got disappointed on how Fifth Third Bank had handled an issue regarding my debitcard being cloned. As a consequence, I closed my checking account with them and paid all the current balance at that time. In XX/XX/XXXX, I received a letter from the Bank saying that I had an opened current balance of about {$300.00}. After many back and forth attempts to dispute the amount, I decided to pay all and get rid of the headache. At the same time, I sent all documentation to the headquarter of the Bank in XXXX so they could proceed to clean my name with the XXXX main credit report organizations. I even received a letter from the Bank confirming that all had been resolved and that they were going to communicate the credit report organizations. Now, XX/XX/XXXX, I received a letter from a third party company saying that I own {$450.00} to the Fifth Third Bank and that after many attempts to reach me ( which was not true ) they will file a lawsuit to collect this debt if I do n't pay immediately. On top of the fact that I do n't know what this amount refers to, I am extremely aggravated by the fact that I am still have been charged for something I resolved properly after more than 3 years ago. I ca n't think of anything but bad practice in bad faith from the 53 Bank.
|
| 07/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was changing my insurance policy. The old policy was to end on XXXX. The new policy was set to take effect on XXXX. Fifth Third, our mortgage company was informed of the change by my insurance agency, XXXX XXXX XXXX XXXX. They were also given the address to send the payment to out of our escrow. They sent the payment to the wrong address. Therefore, we did not have insurance from XXXX until it was discovered on XXXX. We immediately purchased insurance. It was a higher price because of the lapse. A difference of {$830.00}. I immediately contacted Fifth Third. They acknowledged the mistake on their end.I have talked to them several times and they keep saying they will call me back. They have never called me back and its been over 4 months.We are asking them to pay the difference of {$830.00} and take care of the lapse in coverage fees they are trying to impose on us. Enclosed is the policy that we were never able to get, the policy we had to buy, and the latest letter we received from Fifth Third asking us to pay for insurance during the lapse. The last supervisor I spoke with was XXXX XXXX. XXXX is the email he gave me. He has never responded to any of my emails. The last time I spoke with Fifth Third I told them I was filing a complaint.
Thank you, XXXX " XXXX '' XXXX
|
| 06/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2020, I used Fifth Third Bank 's mobile deposit platform to deposit a check written by me from my own personal business on an account at another institution. This check was placed on hold to the tune of {$1000.00}, which to me is a substantial amount of money, and will prohibit me from using my account until the hold is released. Bank manager XXXX explained that the bank conducts this type of behavior " all the time '' when mobile deposits are made. Federal Reserve Reg CC allows for certain reasons to place holds on deposits, and requires banks to notify consumers if a hold is placed. I have received NO notice of the hold through mail, email, or telephone. NO reason was provided for the hold being placed even after I called Fifth Third and asked for an explanation. They have been holding my account hostage for 6 days now. That's plenty of time to get me a letter in the mail explaining why they placed a hold. My account is not new, the deposit was not over {$5000.00}, the account is not repeatedly overdrawn, I can PROVE collectibility on the check so there is no reasonable doubt thereof, and this is not a redeposited check. As far as I can tell, there is NO valid reason for the hold to have been placed, which means the bank is operating outside Reg CC guidelines.
|
| 07/29/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am a victim of scam to purchase a puppy where I paid {$300.00} for a puppy and I never received the puppy. I used XXXX through 5th Third for the transaction and XXXX and XXXX are stating that they can not refund the money because they can not get the money from the person the money was sent to. XXXX had returned the funds and then without notice to withdrew the funds from my account. My case number with XXXX is Case XXXX.
On XX/XX/XXXX I was in contact with XXXXXXXX XXXX on XXXX who stated they were in XXXX and had these cute little puppies. They had sent pictures. I picked a puppy and sent them a {$300.00} deposit. Once I started to ask if my friend that lives in XXXX could come see the puppy, things went a different way and I realized that I had been scammed. I immediately called my bank and told them that I had been scammed. The opened a case. After 10 days they had returned the {$300.00} to me. On XX/XX/XXXX the withdrew the money from me with no notification. When I called they stated that XXXX could not get the money from the scammer so since I approved the transaction they had to withdraw the money from me.
I then tried to contact the scammer and it was a XXXX number and also their XXXX page has been closed. They did text me but of course no resolution.
|
| 04/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
53rd mailed me a solicitation for a {$550.00} bonus promotion ( see attached promotion ). I met with a local bank representative, XXXX XXXX, who encouraged me to bring in an extra {$15000.00} to meet the full bonus, which I did. She stated it would not be a problem having it applied. After waiting 90 days, I noticed only one of the bonuses for {$250.00} was applied. I then tried to call and email them for months. They didn't answer their phones, return emails, or even respond to requests from their Customer Service to call me back ( see attached correspondence ). After many months, I was finally able to reach the branch manager, XXXX XXXX, when they directly connected me to her. She incorrectly stated the balance fell below $ XXXX for " several days '', so the promotion would not be honored, but would research it and I would not have to follow-up. Again I didn't hear back for months. The balance was only below $ XXXX by {$55.00} for a few hours on XX/XX/2020 because a third-party, XXXX, did an authorized debit that was instantly returned the same day on XX/XX/2020 ( see attached screenshot ), but 53rd applied it the next day. They've used that as an excuse not to honor their promotion, even though I've kept $ XXXX in the account for 16 months without any interest paid.
|
| 08/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
XXXX Fifth Third Bank is who I have done banking with for 3 years and while I am sitting at work one day with my debit card in my hand, I logged into my account online and my money had gone from {$410.00} dollars ( which was part of my rent money ) to XXXX dollars and the charge said XXXX I have no bills I pay to XXXX for any reason whatsoever. I reported this immediately to my bank and they shut that debit card down. It states in the cardholder agreement that with-in 10 business days they will credit my account while they complete their investigation. It has been 30 days and I still have not received my money back I even called XXXX and they looked into it and told me I was a victim of gift card fraud. The criminal who created this crime got away with getting my money out of my account to purchase a gift card and then cashed it. If I can not receive that money back by the XXXX of XXXX My daughter and I will become homeless with no place to live because the bank did not honor their agreement they sent me a paper to sign told me I could email it back I did the same day and still nothing no money. If I become homeless where is my protection I am scared to death and someone needs to be arrested for this crime. I was a loyal member for years and this is how I am treated.
|
| 10/21/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
My father passed away in XX/XX/XXXX and I purchased his home from the estate in XX/XX/XXXX.
During the estate process, the bank, Fifth Third Bank, never sent a bill for the HELOC. Not once. For over two years. There was no bill to indicate this debt existed.
Fifth Third Bank did not engage with the estate process. Had they engaged with the estate process, we would have known this debt existed.
Fifth Third Bank also made a mistake on the mortgage document and the mortgage modification agreement. They listed the incorrect property on the front page but got the legal description right on the addendum.
Before I purchased the property, I called the recorder 's office to see if there was a mortgage on the property. They said no, because they only looked at the front page. Had Fifth Third Bank gotten the correct property address on the front page of their mortgage agreement, we would have known the debt existed.
So I purchased the property for cash and then the bank sued for foreclosure. I did not get title insurance on the property because my father owned it for over 50 years.
The bank 's attorney says the three mistakes made by the bank are irrelevant because they got the legal description right on the addendum. They intend to take the property in foreclosure.
|
| 03/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
opened new account with 5/3 bank on XXXX XX/XX/XXXXXXXX with XXXX.
Opened account with promise of {$500.00} bonus if that amount of money is deposited into account.
Had to take money from another one of my accounts to deposit sum of XXXX into the new 5/3 account. I explained this to bank clerk.
On advice from bank clerk XXXX XXXX at the XXXX XXXX, FL branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX she told me to write a check for that amount knowing I did not have the funds, but since it was a friday funds would not be taken out of the account until Monday- her words from the account in which I was writing the check from to fund this new account.
However, 5/3 bank took the funds out that day, causing the check to bounce and charging me fees. XXXX did fix that situation and told me that everything was fine.
However, I have still not received the {$500.00} bonus. Upon investigation, XXXX said it was because I had that bounced initial funding and which caused my account not to be in " good standing '' and I was disqualified from the bonus. However, I acted upon her advice and instructions. I feel the bank is cheating me out of the bonus on a technicality. The funds did make it and posted on XX/XX/20 and have been there ever since.
I would like the bonus.
|
| 08/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage loan servicing was sold from XXXX XXXX to Fifth Third Bank. I made escrow payments to XXXX XXXX which covered insurance and taxes. When the loan servicing got transferred to Fifth Third Bank, they claim that the insurance portion was not included. I made several calls over a few weeks to get the payment taken care of and they asked for a variety of documents.
Once the documents were finally transferred over, and there were no more excuses to not pay, Fifth Third transferred from XXXX in Customer Service, XXXX in the Insurance department, XXXX in the Escrow department, XXXX from Insurance - each refusing to take responsibility.
Finally, I was transferred to XXXX from loan servicing and she says she needed more insurance documents and if they add it to my escrow, payments will need to be increased. I tried to get them to explain why my escrow payments will need to increase when the previous servicing company charged the same amount for escrow but covered both taxes and insurance. In addition, my property tax bills have decreased over time. They gave me a fluff explanation and held the line of asking for more documents.
In the end, I paid the insurance payment out of pocket. This type of behavior and transfer of responsibility is totally unacceptable.
|
| 10/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have banked with Fifth Third Bank for over 10 years. I have even worked for the company prior to taking a position that requires me to travel for business. I have had multiple issues with the bank whilst traveling and having access to my funds via my debt card I was told that I would always have issues unless there was a change to the address that would indicate that I would be in Texas, I agreed as I had several instances in which I had been denied the ability to pay for items at the point of sale. I called several times to discuss this with the bank and received POOR, UNCONCERNED AND UNPROFESSIONAL service. I spoke with no less than XXXX employees explaining myself over and over only to have my account address be one thing and the mailing address to be another. I had a bank product ( EAX ) removed from my account and was not notified at the time that the notation of my Texas address would preclude me from this account feature. I request that ALL calls made from XX/XX/2016 to XX/XX/2016 be pulled and listened to, as well as a copy of said calls be sent to me. I request that the EAX feature be added back to the account and that all managers and CSRs to whom I spoke be held responsible for lackluster, incompetent and rude service. Including XXXX, XXXX XXXX and XXXX.
|
| 12/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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|
I have got the Fifth Third XXXX regarding checkin account where they were offering {$600.00} if i will meet the terms and condition. I have opened the Checkin Account with Fifth Third with the promotion of {$600.00} on XXXX and Baker " XXXX XXXX XXXX applied the code in system and give the print of code confirmation. I maintain my account balance as XXXX for more than 90 days and got direct deposit of {$1000.00} within 60 days. I was supposed to receive the promotion bonus of {$600.00} after 90 days of account opening. It is being more six months where my account is opened and i didnt receive any bonus so far.
I tried to spoke with banker and they told that since she forgot the send the flyer to their head office that is why i didnt receive my bonus and promise me of getting promotion amount asap. It is being more than 3 months when i spoke to banker i didnt receive the bank. Later on Banker went of vacation and ask me to talk to Bank Manager " XXXX XXXX ''. I tried making lot of call to her and leave voice messages but didnt receive any repose from bank.
I went bank three to four times but sometime either baker is not available or sometimes branch manager is not available.
I am attaching 4 month of bank statement along with promotion receipt to defend my case.
|
| 05/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX I opened a checking account at Fifth Third Bank based on an advertised promotion. On XX/XX/XXXX I met the first requirement for the promotion and from XX/XX/XXXX through XX/XX/XXXX I met the second requirement and the bank is refusing to honor the promotion. I have statements from XX/XX/XXXX through XX/XX/XXXX which show the minimum balance requirement was met for at least 60 or more days. The bank dealt with me in a deceptive and fraudulent manner by refusing to pay the promotional fee after I met the requirements. After claiming I had not yet met the minimum balance requirement as of XX/XX/XXXX ( even though I have statements showing I did meet the minimum balance ), I prolonged the life of the account to meet the requirement resulting in the bank charging me more in service charges. The wording in the banks promotional offer " minimum balance '' does not specify average or monthly. The wording does not specify when the 60 days commence or terminate. This allows the bank to interpret things after the fact to the banks advantage and is deceptive and fraudulent of the consumer. Numerous attempts to resolve this with bank personnel led to unprofessional and insulting behavior toward me and an intransigence to seeing things from the customers viewpoint.
|
| 09/15/2015 |
Yes |
|
- Application processing delay
|
|
Web |
|
|
I received a mail offer to open a new credit card from Fifth Third Bank, XXXX, OH. I submitted an online application in XXXX. I received a letter dated XXXX/XXXX/2015 from the bank, asking for a copy of my Social Security Card. I sent a copy of my Social Security Card by First Class mail, within 30 days as required in the letter.
As I received no response from the bank for several days, I called their customer service center and was told that they have received the required document from me and were processing the application. I was told that I would receive a response within a week.
Again, there was no communication from the bank for almost a month. I called the customer service number again on XXXX/XXXX/2015, and was told that my application was rejected as the bank received the required document after 30 days from the date of request. However, previously, they had confirmed that the document was received and the application was being processed.
I find it disturbing that Fifth Third bank did not inform me about their decision. I had submitted my personal financial details and a copy of my social security card. I would n't have known if they had issued a card and someone else had received it, and started using it. I had to call repeatedly to know the status.
|
| 07/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
To whom it may concern, On XX/XX/XXXX, I discovered that two of my checking accounts were restrained, at the request of XXXX XXXX XXXX, for the amount of {$15000.00} each ( for a total of {$31000.00} ) based on a Default Judgement of {$8700.00} issued in XXXX XXXX, NY. On XX/XX/XXXX, I submitted the Exempt Funds forms to the XXXX banks in question ( Fifth Third and XXXX XXXX ), requesting that the funds be released while I obtained legal counsel. While awaiting a hearing pursuant to a Order to Show Cause, we were informed by the plaintiff 's counsel on XX/XX/XXXX that the funds were garnished on XX/XX/XXXX from the Fifth Third checking accounts to satisfy the satisfy the judgement. A Satisfaction of Judgement was provided to me by the plaintiff 's counsel. I submitted a request, accompanied by the Satisfaction, to the two banks to have the remaining restrained funds released on XX/XX/XXXX and again on XX/XX/XXXX. As of XX/XX/XXXX, the funds have not yet been released nor have I received a reply other than to instruct me that the Release has to be sent by the Plaintiff 's attorney. The Plaintiff 's attorney ( XXXX XXXX, XXXX XXXX XXXX ), was notified as well on those dates and has not followed through with submitting the requested documents to the two institutions.
|
| 09/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/XXXX my ex-husband walked into 5/3rd bank and cleaned out my daughters checking account and closed it out. There is a XXXX XXXX XXXX against him as he continues to harass my family and I. Please note that this account was open with our name on it when she was a XXXX. I still had access to the account online, but we were unaware he was on the account at all. My daughter who is now XXXX has been the sole person depositing and withdrawing on this account. That being said 5/3rd bank on XXXX XXXX in XXXX Illinois did not even question him as never withdrawing from this account. They never reached out to the main account holder, and they let him steal close to {$4000.00}. I went in the bank to ask for documentation to take to the police department. XXXX was rude and told me to go online and get the documents. I said that my account was closed, and I had no access to the documents anymore. He basically told me to leave. I talked with the branch manager XXXX a few days later. She told me she does not care. I can take my accounts elsewhere and if I want documents, I should have my lawyer subpoena them. With so much fraud, I want a bank that looks out for their customer. Is it even legal to close out a joint account without approval from all those on the account?
|
| 10/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ms. XXXX filed an identity theft dispute of the fraudulent MasterCard account upon which Fifth Third declared " We have conclusive evidence that you conducted the transaction '' via letter of XX/XX/18. However, they provided no supporting evidence of this conclusion. XXXX submitted a formal dispute, including victim 's police report, on XX/XX/XXXX. The certified/return receipt requested was received by XXXX with an illegible signature as of XX/XX/XXXX. On XX/XX/XXXX, Fifth Third claimed that they did not have the Limited Power of Attorney, provided by XXXX, as was signed for on XX/XX/XXXX. So that same day, Ms. XXXX submitted a file disclosure request as allowed by law. That was again signed by an unknown again on XX/XX/XXXX. Ms. XXXX was then contacted by Fifth Third on XX/XX/XXXX requesting a copy of the Limited Power of Attorney, police report and ID Theft affidavit ( again ). This documentation was faxed to the representative at the provided fax # of XXXX. To date, neither XXXX or Ms. XXXX has received any documentation supporting Fifth Third 's claim of validity or evidence that Ms. XXXX actually applied for, authorized or used the account in dispute. This is a complete failure of XXXX XXXX to abide by Ms. XXXX 's legal rights as provided by FCRA and FDCPA.
|
| 06/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Firstly I am newly XXXX due to a health condition and still unemployed due to COVID-19 ( but am employed soon again thank XXXX! ) and have never gotten any help for financial hardship yet due to this reason since opening the account I have at Fifth Third Bank. My unemployment lapsed for 3 weeks from Early XXXX XXXX XX/XX/2021 during this time I told them so they wouldnt let charges go through and what not AND contacted the other business and bills etc to stop bill pay well kinda like XXXX they said that it automatically will attempt three times and there is nothing they could do about it so after three weeks and {$800.00} plus fees later I got my {$1900.00} in unemployment but the bank now says they wont give me any of that back, its just it was out of my control and I really needed that to pay these other bills and how Im behind rent to because of this AND hand about another {$350.00} - {$550.00} in more charges and lost pretty much my next whole unemployment deposits over a bunch of XXXX I cant crawl out of this hole and they wont help a bit this is my last option : / Ive gone into multiple branches etc. Fifth Third Bank says they will do whatever they can to help those affected by pandemic and financial hardship sadly that I guess isnt true and never was : /
|
| 09/05/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Initial line of credit was in the amount of {$34000.00} in XXXX and interest only. In XXXX I requested a modification for a fully amortized loan and the payment was {$220.00}. An automatic bank draft was set up and payments have been deducted since. The loan balance is still at $ 32,000.00+ after 14 years ( unbelievable ). Because of the {$32000.00} balance, the payment has slightly decreased over the years to {$100.00}. Fifth Third Bank has been applying the remaining {$120.00} to interest as opposed to the principal. This was not authorized by me and I assumed that the remaining amount of the payment would be applied towards to the principal as this has not been an interest only loan since XXXX. This is usury, unethical and illegal. I do not have $ 120.00+ each month to pay interest on a loan that interest is already been paid. Are they charging interest in advance? I am a senior citizen and this is unreasonable and unfair. I have now paid over the amount of the initial loan, but yet, I still owe {$32000.00} after 14 years and was told that the loan should be paid off in XXXX. You do the math, I don't think that I'll be around in XXXX. They have taken advantage and something needs to be done. If you can't do anything, I am going to continue until someone can.
|
| 03/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth Third offered a 0.25 % discount if mortgage customers signed up for autopay with a Fifth Third checking account. But the autopay feature is not smart enough -- it transfers funds from Fifth Third checking to pay the Fifth Third mortgage even on months when there is no mortgage payment due ( and therefore I put no funds in the checking account ). As a result, the checking account is overdrawn and Fifth Third charges {$25.00} fees on the mortgage account every time to reverse the payment attempt. When I contacted customer service, they said these fees are not able to be refunded.
There is no way for a customer to see on Fifth Third 's website whether autopay is active, or to turn autopay on, turn it off or pause it. Each of those actions requires contacting the company.
This seems unacceptable. Customers should reasonably expect that Fifth Third 's autopayer is synced up with other parts of its system -- enough to not try autopaying a bill that is not due. In the very least, customers should be able to view whether autopay is turned on and they should be able to turn it on, turn it off or pause it from the website or app.
Thank you for looking into this matter. It seems like these improvements will only happen as a result of visibility with the CFPB.
|
| 09/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I deposited {$80.00} to an atm at XXXX XX/XX/22. My balance was then {$80.00}. 4 minutes later at XXXX, I XXXX {$80.00} out of my account. Im back to XXXX XXXX I have atm receipts and emails to prove the time. On XX/XX/22 I noticed I was charged my $ XXXX monthly fee. No big deal. My account was then - {$10.00}. I added {$20.00} at the atm so my new balance was {$9.00}. I then zelled out {$9.00} to cover a gym membership on another account.
5th 3rd bank charged me {$37.00} overdraft fee by back dating their {$11.00} fee to the XXXX and forward dating my {$80.00} XXXX to the XXXX, which is fraud. I have time stamped atm receipts and emails to prove this. They did this to collect their fee. Their document makes it sound like they coveredme as if I was in the negative. As we all know you can not XXXX money out that you dont have in your account. My {$80.00} XXXX went through without an issue putting me back to XXXX XXXX balance which is what it was before my {$80.00} deposit. 5th Third Bank committed fraud and I have proof with time stamped receipts and emails. No $ XXXX monthly maintenance fee went through my account until the XXXX, otherwise my account wouldve been- {$10.00} when I rolled up to the atm on XX/XX/22 at XXXX not XXXXXXXX XXXX in the positive.
|
| 01/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2018, I attempted to purchase two tickets on the XXXX website with a Fifth Third Rewards credit card for an event scheduled for XX/XX/2018. Unfortunately, I was charged for four tickets in error. I disputed the charge for two of the tickets through Fifth Third Bank in the amount of {$1300.00}. The dispute was closed on XX/XX/2018 in favor of XXXX with insubstantial evidence provided by XXXX.
I arrived to the State Farm Arena on XX/XX/2018 at XXXX XXXX EST to pick up the tickets from Will Call. Upon attempting to enter the venue, the XXXX Box Office representative informed me the total amount of the transaction was refunded to me as a result of the dispute in the amount of {$2700.00} and I will receive it within 7-14 business days. I was also told the tickets I received from the XXXX Box Office were voided and I was not permitted to enter the venue for the event with them.
On XX/XX/2018, I spoke to a XXXX representative about the transaction. In our recorded conversation, he informed me I was entitled to a refund of {$2700.00} and would receive it within 7 business days.
To date, I have not received any refund or charge back from XXXX. Fifth Third Bank has not offered me a chargeback and continue to charge me interest for the fraudulent charges.
|
| 09/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased two items from XXXX. The funds were returned to my debit card XX/XX/2023, XXXX Although the debit card and 5/3rd account that was attached to the card had been closed, the return transaction was processed successfully on XXXX end. Order number, and return purchase transaction numbers are verified via email sent from XXXX. On XX/XX/2023 I was told by 5/3rd bank representative that I would receive a cashiers check, due to the fact my account, and card were no longer active. I received one check, in reference to the return transaction XX/XX/2023 ( the second transaction ), but never received the check for the first return transaction. I called 5/3rd bank and was told there was no such return, told I couldnt have been told no such thing because my account has been closed, and to check back with XXXX for a resolution. After checking with XXXX, I was sent an email verifying that the transaction had indeed been processed successfully. I called 5/3rd back with the valid information and was told lie, after lie after lie, put on hold time after time, transferred to different representatives posing as supervisors, told I would be contacted about the matter. I havent heard anything, and I have not received my money and I can not find an honest representative.
|
| 08/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
A check from a water company in Illinois payable to a leasing company in Minnesota for {$2300.00} cleared the checking account I hold jointly with my husband. Fifth Third took this money from our account instead of the water companys account. The bank stole our money from our joint checking.
The check that cleared has nothing to do with us or our account. The companies involved have nothing to do with us. The account number of the check and our account arent even close.
This happened on XX/XX/XXXX, I called the bank on the XXXX. Took almost 2 hours back and forth between the dispute department and customer service to finally get a claim number. I was told it would take a couple of days to fix. Not fixed this morning on day 2 so I called again.
Apparently the case was denied and closed!!
Meanwhile this whole time my account is overdrawn and getting overdraft fees. They took the overdraft fee off today and submitted a new claim. Said it would take at least 3 business days to hear anything. That is 5 more days because it is now Thursday.
So I may hear back, and it may be fixed, next Monday - 11 days after they first fraudulently took money from our account - I am not holding my breath.
I would like the money to be returned to our account immediately.
|
| 02/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited a check for {$5100.00} into my checking account on wed XX/XX/2021. My bank put a hold on the funds from wed XX/XX/2021 until XX/XX/2021. The bank is fifth third bank the check was from XXXX bank. I talked to a branch manager at fifth third bank to try and get hold taken off. The person that issued the check to me explained that the funds were taken out of there account and the bank told them the hold is on fifth third. The branch manger at the XXXX indiana branch said the check was not verified. So they said they could fix it by speaking to the bank that issued the check that the funds were released. I was then told that they still could not take the hold off even though the funds were made available to fifth third. I am being targeted because i have had over drafts on the account. The only reason for over drafts was because fifth third keeps putting hold on the account. This is the only money i have in the world. I have kids and im in desperate need of the funds for fear im going to be kicked out in the middle of winter from my home. I explained thos to the bank and they said there is nothing they can do even though the funds were released to fifth third already. Im begging anyone to help me form being bullied because i have financial problems!
|
| 10/22/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I am Mr XXXX XXXX XXXX from XXXX XXXX. I would like to report a suspected money laundering and fraud incident and request a recall for a number of wire transfers made from my account in XX/XX/2020, in the total amount of XXXX USD.
At the time these transfers were made, I wished to use the services of an online merchant by the name of XXXX XXXX, who I contacted through their website XXXX which claimed to provide me with facemasks.
In order to receive the shipment, XXXX XXXX instructed me to transfer money to a specific beneficiary, XXXX XXXX, that had an account with Fifth Third Bank in the United States.
After I settled the payment I expected to receive the masks. When I did not receive the masks that I paid for, they kept promising me that they would refund my money but have not done so. They are not replying to me any more.
This situation has hurt me a loss and is a very big financial loss. I feel very stressed and need XXXX help.
I am reaching out to XXXX, to assist me by requesting the beneficiary 's bank, Fifth Third Bank to launch a fraud investigation against the beneficiary company, XXXX XXXX and reverse ( or recall ) the transfers if the funds are still available in XXXX XXXX 's account. Finally the beneficiary 's bank rejected my requesting.
|
| 03/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened a checking account with Fifth Third Bank during XX/XX/XXXX. After meeting certain requirements, they issued me a {$250.00} account opening bonus.
On XX/XX/XXXX, I went into the branch to inquire whether or not the bonus is considered interest. I had not received a XXXX form from Fifth Third Bank at that time. After checking the bank 's systems online, the branch officer indicated that there would be no XXXX issued to me for this bonus. Relying on that information, I e-filed my state and federal income tax returns for XX/XX/XXXX.
On XX/XX/XXXX, I received an e-mail from Fifth Third Bank that a new tax document was available for my checking account online. I went online and discovered that they issued me a XXXX for the bonus amount on XX/XX/XXXX. I still have not received the form in the mail. My understanding of the tax regulations is that the bank was required to mail me a XXXX form by XX/XX/XXXX for calendar year XX/XX/XXXX. Fifth Third Bank did not comply with the tax regulations in this regard.
Because Fifth Third Bank did not follow the tax regulations by issuing me a XXXX form in a timely manner, I will now be required to file amended tax returns at both the state and federal levels. This will result in added time and expense on my part.
|
| 12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
i was issued a credit card from my work in 2014 during my short time of employment, I was only an authorized user on the account it was not opened by me. The company was having financial issues so i left the job.
i applied for credit few years ago and find out i have delinquency on my credit report, i checked my credit report with all 3 credit agencies and find out only XXXX is showing a credit card from Fifth Third bank with status Charge Off at first i thought it was identity theft since i never opened up any credit card with fifth third bank but then after some time a bell rang and i recalled the card which was given to me as an authorized user.
In past 3 years i have filed multiple disputes with XXXX to remove this information from my report and it has been denied by XXXX they keep telling me information is correct i had the card and Fifth Third bank won't allow it to be removed I called multiple departments with Fifth Third back with no luck getting this resolved on my own.
I am very frustrated at this point and not sure where to seek help as the credit agency nor Fifth Third bank is willing to rectify the issue I was only an authorized user on the card and was responsible for any liabilities.
Please advice.
Thank You Best Regards, XXXX XXXX
|
| 04/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX I purchased a condo in New York and the loan was initially funded by XXXX XXXX. The loan was sold to Fifth Third Bank. My property tax payments were estimated at {$620.00} / mont by XXXX XXXX. When the load was transferred, I continued to make these payments. Then Fifth Third Bank said that there was a shortage on my account of {$2900.00}, which I paid. They said that even after paying my shortage, my new property tax payments would be {$1200.00}, which is the double of what I was projected to pay. However, I checked with the city and the bills for XX/XX/XXXX and XX/XX/XXXX were of {$1800.00}. Fifth Third Bank reports that these bills were and will be of {$3600.00}, which is incorrect. Additionally, it appears that they double paid the bill for XXXX because I was charged twice, while the city reports the payment was just {$1800.00} once, Fifth Third Bank reports that it went twice, once on XX/XX/XXXX and once on XX/XX/XXXX. ESCR DISB TAXES XX/XX/XXXX {$0.00} - {$1800.00} {$0.00} {$0.00} - {$1800.00} {$0.00} {$0.00} {$0.00} ESCR DISB TAXES XX/XX/XXXX {$0.00} - {$1800.00} {$0.00} {$0.00} - {$1800.00} {$0.00} {$0.00} {$0.00} I have been paying my calculated escrow as required in addition to all provisions at closing the escrow. Why am I being robbed?
|
| 04/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/XXXX Fifth Third Bank received a letter disputing the account they were reporting on my credit report. ( Please see " Fifth Third Bank Letter 1.pdf '' and Screen Shoot For " Fifth Third - Delivery One.png and " Firth Third Bank - First Signed.pdf '' ) I know that Fifth Third Bank had 30 Days from receiving my dispute to respond and added place a " Notice of Dispute '' on my credit report.
30 days after XX/XX/XXXX I checked my credit report and Fifth Third Bank Failed to place a " Notice of Dispute '' on my account.
XX/XX/XXXX, I sent a follow-up letter to Fifth Third Bank. ( please see " FIFTH THIRD BANK Letter 2.pdf '' and " FIFTH THIRD BANK - Delivery Two.png and " FIFTH THIRD BANK - Second Signed.pdf '' ) The follow-up letter was to notify them of their mistake ; That they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day Period.
Additionally, I've added signed copies from Fifth Third Bank proving they not only got the letters but also signed off on the letters.
Finally, it is Monday XX/XX/XXXX about 6 months after and they still have not corrected their mistake. See " Fifth Third Bank XX/XX/XXXX '' png
|
| 03/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2022, I attempted to withdraw {$500.00} from the Fifth Third Bank ATM at XXXX XXXX XXXX XXXX, XXXX, OH XXXX around XXXX PM.
Unfortunately, the machine asked me to " Please take your cash '' but there was no cash dispensed. I filmed this incident occurring for about 20 seconds before stopping the video. The transaction was canceled and I assumed the issue would sort itself out. A few days later, I checked my statement and noticed the {$500.00} had been deducted. I immediately filed a dispute with Fifth Third. After a few weeks, the dispute was denied. I called Fifth Third and asked to re-open the dispute and I sent the video to the dispute team. I also filed a CFPB complaint. The CFPB complaint was closed shortly after receiving a letter stating they were still reviewing the incident. This week, I received another letter from Fifth Third Bank indicating they conducted an audit on the machine and found no discrepancy, however despite my repeated requests to view the security footage, they've given no indication they have done so.
I assume this, too, will be closed, but I want to ensure I fully document my attempts to address this issue through every proper channel. The video of the ATM malfunction can be viewed on XXXX here XXXX XXXX XXXX XXXX
|
| 01/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Last XXXX, 2020 Fifth Third Bank agreed to remove a charge of {$990.00} from my account and sent me a new credit card because someone on XXXX had purchased a Virtual Reality Headset on my credit card. It was not me. My husband wanted to make a purchase on XXXX and put in our new credit card number. They proceeded in XXXX, 2020 to put the charge of {$990.00} on my new card.
I have been fighting with Fifth Third since then to get this charge removed. For some reason, I did receive this unit from XXXX / XXXX XXXX. At the instruction of Fifth Third Bank, I returned the unit to XXXX XXXX and have proof of the return being sent and received by them.
XXXX did send me a letter indicating my account was compromised and assured me they changed the account back to my information. I sent XXXX XXXX a copy of this letter. I called XXXX XXXX on the XXXX of XXXX. They won't let me talk to the investigators. They said the account had been closed due to time passed.
So what? the money is now accruing interest and I refuse to pay this bill, I sent back the unit and XXXX XXXX has done nothing!!!
I have since closed my account with XXXX and do NOT use the paypal account associated with it. As soon as I figure out how, I will close that too.
I need help!
XXXX XXXX
|
| 10/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
We ( Spouse and myself ) was made aware of the error while applying for a loan on XX/XX/XXXX at a different bank. During the loan application process, it was discovered that Fifth-Third Bank was reporting each of my two credit cards to the three main credit reporting agencies under two different names. This effectively doubled our debt for each card, doubled the credit outstanding and lowered my FICO score. They reported the credit cards to XXXX and XXXX as " Fifth Third Bank '' and reported to XXXX as " 5/3 Bank CC ''. It was discussed with the local branch in XXXX, XXXX, which pushed it to Fifth-Thirds 's Credit Card division. The CC division said there was no error on their part, and it was the credit reporting agencies issue. I then went back to the local manager, and he gave me the number for the Fifth Third Office of the Chairman. They investigated and said there was no error on their part. The original loan officer that discovered the problem said that it is Fifth-Thirds problem and is a software glitch on Fifth Third 's end.
I filed a complaint with XXXX on XX/XX/XXXX and six months later it still shows open requiring " manual '' review. I believe that this is likely a large problem with Fifth Third Bank Credit Card Customers across the country.
|
| 12/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Hello On XX/XX/2023 my debit card was hacked and fraudulent transactions occured at XXXX and XXXX. XXXX pre-authorizations at lowes in the amount of {$950.00} ( total {$1900.00} ) and XXXX transactions to fandual {$500.00}, {$400.00}, {$400.00}, {$200.00}, {$400.00} {$200.00} {$200.00}, {$350.00}, {$150.00} {$400.00} ( total {$3200.00} ) I have reached out to the 5/3rd bank and provided my fandual statements from XXXX to XXXX showing them I've never deposited more than {$500.00} in one day ( only deposted XXXX time {$500.00} since having the account ) and never have Ive done muiltiple transactions totaling over {$500.00} in one day. On XX/XX/2023 I saw the transactions coming out my account and I immediately called 5/3 bank to cancel my card which I had in my possession and dispute all charges. XX/XX/2023 Bank stated that the XXXX charges wasn't completed and was just pending. XXXX XXXX fraud system worked basically and held the transactions as pending ) The XXXX was not!!! they stated the activity is consistent with the location and type of purchases i made in the past. Again I have provided my statements to 5/3 bank showing them I've never made the fandual transactions on said date and Fandual even confirmed I've never done any of those transactions.
|
| 10/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I HAVE AN ADJUSTABLE RATE MORTGAGE ( ARM ) THAT RESET ON XX/XX/XXXX. THE LENDER, FIFTH THIRD MORTGAGE ONLY PROVIDED ME WITH A 1 PAGE DOCUMENT STATING THE NEW RATE & MONTHLY PAYMENT. I CONTACTED THEM TWICE REQUESTING ADDITIONAL DOCUMENTATION, SUCH AS AN AMORTIZATION SCHEDULE, AND WAS FIRST TOLD THAT THEY COULD NOT PROVIDE IT. WAS THEN TOLD IT WOULD BE MAILED TO ME ON XX/XX/XXXX & HAVE NEVER RECEIVED IT.
THE PAYMENT QUOTED ON THEIR DOCUMENT DOESN'T APPEAR TO BE CORRECT. BASED ON THE OUTSTANDING PRINCIPAL BALANCE OF {$81000.00} WITH A RATE OF 2.5 %, THE PAYMENT SHOULD BE CONSIDERABLY LOWER THAN QUOTED ACCORDING TO A STANDARD 30 YR. MORTGAGE CALCULATOR. I AM UNCERTAIN AS TO HOW THEY ARRIVED AT THEIR FIGURES. I ALSO AM UNSURE AS TO HOW & WHETHER MY MONTHLY PAYMENST ARE BEING APPLIED AGAINST THE OUTSTANDING PRINCIPAL BALANCE.
UNDER THE TRUTH IN LENDING DISCLOSURE ACT THEY ARE REQUIRED TO PROVIDE ME WITH DETAILS OF ALL FINANCE CHARGES, PAYMENT SCHEDULE, TOTAL OF PAYMENTS & ANY OTHER PERTINENT INFORMATION, THEY HAVE NOT.
THEY ARE IN VIOLATION OF THE TRUTH IN LENDIGN DISCLOSURE ACT & SHOULD PROVIDE ME WITH ALL THE REQUIRED DOCUMENTATION UNDER THE LAW. I SHOULD NOT BE UNAWARE OR UNINFORMED ABOUT HOW MY MORTGAGE WAS CALCULATED OR HOW PAYMENTS ARE BEING APPLIED.
|
| 09/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX I spoke to 5/3rd Bank representative and chose deferment option for my loan ( Covid 19 ). I was told that 18 months of missed payments wold be moved to deferment and I would resume payments starting XX/XX/2021.
On XX/XX/XXXX, XXXX, I received a Deferral Agreement, wtih conflicting and confusing information, stating on page one that I must make a payment on XX/XX/XXXX, and then lower on the page that I will have 19 months of payments deferred and that I have to make a payment on XX/XX/XXXX.
I called 5/3rd bank for clarification and was told that I am requried to make a payment by XX/XX/XXXX, but that it will not be applied to XXXX payment, it would be applied to XXXX payment, AND that she can not garantee that I dont have to then make another payment for XXXX on XX/XX/XXXX.
Desipite of having made a different agreement wtih the Bank the day before, having 18 months deferred, it was not corrected.
This is very concerning because my froebarance ends on XX/XX/XXXX so I want my payment to be applied in XXXX. It is also decpetive because the Bank is deferring 19 months when in reality I am only 18 months behind. It also is deceptive becuase no where in the letter is clarified what happens to the extra month payment the letter is stipulating.
|
| 10/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I was refused access to my online account because I refused to give their automated system a telephone number. They wish to contact me by telephone when they detect " unusual or fraudulent activity ''. I do not want them calling me or to monitor my account. I check my account everyday. If there is anything unusual or fraudulent, I will see it and report it. The problem is that when you see a problem ( usually in the pending section ), they will not act on the problem or allow a complaint until the transaction actually posts to the account. There has been more than XXXX occasion where foreign transactions that I initiated were stopped ; preventing me from making purchases for items I wanted. So, I do not want them to be making arbitrary decisions about banking transactions that they are not qualified to be making.
Even the security questions they asked for me to answer did not apply to me or I simply could not answer. The XXXX question I could have answered ( What is your mother 's middle name? ), the system would not accept it. My mother did not have a middle name but an initial ; A. Their system would not accept it.
Because of this, I am not able to access my account to be sure I am not going to be overdrawn ; which they will want to charge me for.
|
| 07/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
I was contacted regarding a remote job. Asked to download XXXX app for interview. I was interviewed and offered the job. I looked up the company and it was a legitimate big company. I was sent a check to deposit. I called my bank Fifth third the next day to ask if the check was cleared. I was assured it cleared and the funds were put in my account. I was asked to XXXX money {$1000.00}. Which I did and there was no questions about it. I also bought XXXX XXXX for the software to be uploaded to the XXXX XXXX XXXX they were shipping me. The check was for XXXX. The next day they deposited a check for {$4700.00}. At this point I was getting suspicious and started questioning them. I immediately called the bank again twice and was reassured I had nothing to worry about that the funds were cleared. I did not do anything with the {$4700.00} just left it in the account. I called the fraud line and gave all the information and uploaded all documents. I was told that she didnt know why the other bank employees would have guaranteed me that the funds were in the account. I even had them on speaker and my fianc heard the conversations that the funds were cleared. Well now I am out {$2100.00} which I dont have the money to cover. I have not heard back from the bank.
|
| 04/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2018, I was contacted by a company that explained they were providing me online technical support for my computer. The company indicated they were going to provide me with {$170.00} credit ; however, they billed me {$750.00}. The company that took my money did not provide me the services they were supposed to and I did not authorize them to bill me {$750.00}. The company was supposed to provide me computer security, technical support, and increase my computer speed. When they billed me {$750.00}, I contacted them and cancelled services immediately on XX/XX/2018 because I did not authorize the {$750.00}.
I contacted 5/3 to report this incident and they denied my fraud claim because they said it was my fault.
I took my computer to XX/XX/XXXX to have it examined and XX/XX/XXXX confirmed this company installed 13 different kinds of malware and spyware. I had to pay XX/XX/XXXX {$200.00} to fix the issues that were caused by the company that did not provide me services as described.
I am very disappointed in 5/3 service because I am an elderly woman and no one took the time to help me. I feel betrayed by the company that lied to me and my own bank. I am reconsidering my relationship with 5/3 because they are not assisting me with my situation.
|
| 06/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Beginning XXXX I notified 5th Third Bank of fraudulent activity from by business account. The fraudulent activity actually started XXXX. The name associated with the fraud was NOT MY NAME. The bank was also made aware of this fact as well. I was told by the bank on XXXX that the funds would be replaced into my account in XXXX days. A case number was assigned but the funds were not returned to my account.
On XXXX another fraudulent charged was done even though the bank had been aware of the activity. I had gone to the bank in person XXXX when I first noted this activity.
I had filled out a transaction dispute form previously with the bank and was instructed to do so again on XXXX. I was again informed the funds would be replaced in 10 days to XXXX weeks. They were not.
In total at this time the monies I am owed total {$450.00} Fraudulent withdrawals XXXX {$15.00} XXXX {$90.00} XXXX {$90.00}.
XXXX {$100.00} XXXX {$75.00} XXXX {$75.00} XXXX even notified the bank each month when I saw that the charges were pending however, the fraudulent charges were still allowed to go through.After meeting several times in person with the local branch XXXX and with no results I did Email the bank CEO. At this time I still have not had resolution to this situation.
|
| 04/21/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My mother had fraud on her Fifth Third savings account on XX/XX/XXXX ( I am POA on her accounts XXXX. She found the fraud when looking at her checking account and went into the branch right away on XX/XX/XXXX to dispute the transaction. Fifth XXXX denied the claim. She went to the branch on XX/XX/XXXX to find out why. She was first told the other bank had proof it was valid. This was not the case. They later said it was that she didn't sign an affidavit. She was never sent an affidavit. She signed the affidavit on XX/XX/XXXX. It is now XX/XX/XXXX and we are being told they are still reviewing the case. I've reached out to the branch multiple times. They said they have escalated to the Office of the President. They took the funds back out of her account when the case was denied. My mother is elderly and I feel as though fifth third is discriminating against her. I had to be added as POA to help try to resolve this issue. I feel Fifth Third is exceeding it's time frame of resolving this issue. My mother didn't even know you could ACH from a saving account. If she needs money it is moved from a saving to her checking. I'm hoping you can help move this case along. My mother 's information including case number.
XXXX XXXX XXXX Case # XXXX Acct ending XXXX
|
| 06/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
We discovered someone within our company was writing fraudulent checks to them self and a second person not working for the company. We contacted XXXX XXXX at Fifth Third Bank to let her know what we had discovered and requested additional prior months going back to 2010. ( She is our local branch manager. ) We asked for those images several more times from XXXX XXXX, but did not receive those. In XX/XX/XXXX we stopped receiving the canceled check images with our monthly statements all together. They had also changed the format of our online banking so that check images would have to be view individually, taking hours to reconcile. We made several attempts to get this changed, including calling XXXX XXXX and Fifth Third 's customer service. We noticed that when we call the listed branch telephone number we are routed to a call center. They provided XXXX XXXX 's direct line, which is disconnected. Since we did n't get any response from XXXX XXXX, we called the Regional Manager, XXXX XXXX. We called three times and left two voicemails with no response. At this point we are seriously considering closing out our account completely. Employees working for Fifth Third are withholding information about our business account and allowing someone to defraud me.
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
While reviewing my credit report I've noticed several accounts did not belong to me, Ive tried disputing, also sent in a police report stating these accounts were fraudulent, Ive reached out to the companies to no avail. My identity was stolen and used in a malicious manner. On XXXX XXXX XXXX stated I owed them {$720.00}, Ive contacted the company several times with no resolutionXXXX XXXX was placed on my credit report stated I owed them {$300.00} I contacted this company no resolution made. On XXXX Fifth Third Bank stated XXXX had an balance from a car I never purchased in the amount of {$47000.00} XXXX contacted the company and it was taken off one of my credit reports but not all three.On XXXX. On XXXX XXXX XXXX stated I owed them {$140.00} for account that I never opened I did contact the branch but no response.On XXXX XXXX XXXXXXXX stated I had an account with them in the amount of {$1100.00} which was also fraudulent tried to contact company and no one has returned my call to discuss this matter. XX/XX/XXXX XXXX which is affiliated with Fifth Third also placed an account on my credit which I contacted this company and sent my police report just all the other companies and they have yet to remove the account from all three of my credit reports.
|
| 06/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
This bank is engaging in unethical and misleading business practices. Providing the information they provided in response to my initial complaint is AFTER the fact. First of all, it took DAYS to get any sort of response regarding where my money was. By that time, I had decided to no longer do business with them and transferred the money back to my original account with another bank. At that time, I discovered that I was charged a FEE of {$3.00} to transfer MY MONEY ... which left me with a NEGATIVE balance. So I immediately transferred {$10.00} in to cover that. Which brought me to a {$7.00} balance. They will not allow me to close the account unless the balance is {$0.00} and they will only do transfers of a minimum of {$10.00}. Their nearest branch is over an hour away from my residence. As far as I'm concerned, they can keep the {$7.00}. I do not want to do business with them at all, ever again. Meanwhile ... I see now ... again, after the fact, that they will charge me a monthly service fee for this account. Something I was not aware of prior to opening the account. Again ... all I want is to close the account and be done with them and not have to drive two hours to do it. They can have the {$7.00}. Is that really all that unreasonable a request?
|
| 01/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XXXXXXXX XXXX withdrew {$600.00} from our account with counterfeit checks that were altered from an original check that we gave to a family friend 's son for his birthday. Check number XXXX was written to a XXXX XXXX for {$50.00} for his birthday on XX/XX/2022. When my wife checked our statement dated XXXX she discovered that check XXXX which had already cleared in XXXX of 2022 for {$120.00} to XXXX XXXX XXXX XXXX cleared again for {$50.00} on XX/XX/2022 to XXXX XXXX XXXX XXXX The check number had been altered and the date on the check had been typed in rather than handwritten like the original check.
As she continued to balance the checkbook, she discovered check number XXXX also dated XX/XX/2022 had cleared for {$500.00} and check number XXXX dated XX/XX/2022 had cleared for {$50.00}. We are still using checks in the XXXX to XXXX range and have not even ordered checks in the XXXX range. Once she reported the fraud to me, I immediately filed a police report and filed a fraud complaint with Fifth Third Bank. Fifth Third Bank has denied the fraud and refuses to refund our money due to these counterfeit checks and their lack of security measures to protect customers. Fifth Third Bank is a disgrace for treating law abiding customers in this manner.
|
| 05/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2021 a check # XXXX written by myself to XXXXXXXX XXXX for {$240.00} for a Doctor bill was deposited into an account at Fifth Third Bank in Ohio. I have contacted Fifth Third Bank on XX/XX/2021 and explained that this check was never received by the intended payee and that they do not have an account with Fifth Third Bank which was confirmed by Fifth Third Bank. I requested my {$240.00} be returned to my checking account and the Bank manager refused to help me and stated I needed to have my Bank XXXX XXXXXXXX XXXX Contact Fifth Third Bank which I did. On XX/XX/2021 XXXX XXXX XXXX over night express mailed a copy of the deposited check front and back, as well as information from the Federal Reserve, my account number and the routing number and requested that the {$240.00} be returned to my checking account asap. They also informed Fifth Third Bank that they believe this check # XXXX for {$240.00} was intercepted in the mail and deposited fraudulently since the intended payee does not hold any accounts with Fifth Third Bank. It is XX/XX/2021 and Fifth Third Bank has not responded to any documentation from my bank or returned my fraudulently deposited check that they had no right to negotiate since the payee holds no accounts with their Bank.
|
| 10/17/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Opened a checking and savings account with 53rd bank, branch location Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. During XX/XX/XXXX bank received a Fraudulent garnishment claim from a XXXX XXXX, 53rd bank then placed a hold on both my accounts for a total of XXXX. The funds in my account at the time was exempt from all garnishments, pension payments are exempt. 53rd then informed me that they can not close out my accounts until the garnishment is paid in full {$14000.00}. Despite knowing the accounts were exempt from this garnishment 53rd removed {$10000.00}, then XX/XX/XXXX, 53rd removed more of my except pension payments a total of {$15000.00} was removed from both my checking and saving accounts paying off and exceeding the amount of this garnishment. During XX/XX/XXXX I noticed that my credit report has the total amount owning I then contacted the bank and was informed that they do not know what happened to the monies removed from my account. After contacting the 53rd corporate offices, I was informed that a check for XXXX was removed from my accounts but they are unaware of what happened to {$5000.00} or where it was sent. Corporate office was also unsure of why the funds was removed at all when monies were exempt from garnishments.
|
| 10/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Hello this complaint is in regards to my checking acct at fifth third bank.
I had an emergency on date of XX/XX/XXXX in which I had to withdrawal from a 5/3 bank atm and by mistake I had to take 2 withdrawals right after each other.
This caused by acct to go negative by XXXX XXXXI deposited a check in the atm on XXXX the XXXX
I checked my balance and was assessed 2 nsf charges for this for a {$74.00} dollars.I believe that this was excessive and unethical.
I called the bank on Tuesday the XX/XX/XXXX and they offered to credit me {$25.00} for a reimbursement of a prior fee assessed in XXXX.
I accepted the offer but it was never credited.I called the bank back the following day and I was informed that in fact I was not eligible for that {$25.00} credit.
I had to make several call and finally a supervisor was able to credit me back some atm fees that totaled to roughly {$23.00}.
Now today I was checking my acct and see that I was charged again a {$25.00} extended overdraft fee over the same situation.
This organization needs to investigated their policy in regards to this is totally totally unfair and the only reason I stay with this bank is because of family member I share an acct with.
I had made a complaint about their activities in the
|
| 03/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have submitted a complaint already on this issue. I understand the company has time to respond, however we have called and left messages and no response back. This is costing my husband and I hundreds of dollars a month due to their error. I have spoken to town hall and received documents supporting the payments were always made quarterly and never in one lump sum. I advised fifth third of this and they continue to state that they were told by the old mortgage company that they were to be paid in one lump sum. However, I also have the proof and documents to so that they old company paid quarterly. Our mortgage has gone up and we want it back to the original amount. We can't not pay what they are claiming in the meantime because they would foreclose for not paying the amount. This was completely their mistake, and we should not be responsible for it. They can request a refund from the town and then pay quarterly like that should have been the whole time. Our broker has even explained this to them on a three-way call, stating he has the proof in the closing documents stating how the escrow was set up. This needs to be handled and fixed ASAP as we again are paying hundreds more a month that we should and that is really adding up over the months.
|
| 02/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
In XXXX I tried several times to make an online payment, and to call in and make a payment. They kept saying there was a system error and that I needed to go to a local 5/3 location to pay. I don't have a local 5/3 location. Every time I tried to pay them I got this same error. I called and spent hours on the phone and they could never help me resolve the problem. buy the time I was able to make an online payment. it was considered late. and they charged me a late fee and reported me delinquent to the credit reporting agencies. This has happened several times in other months as well. Unfortunately, in this case it was to late for me to mail a payment. I was finally able to make a payment XX/XX/2018 for XXXX. but I was trying to pay the balance in full. It would not let me make a larger payment. I feel like 5/3 is intentionally causing error to get late fees. or in the very lease being negligent in addressing the issues to help clients make their payments. I spent hours on the phone. I have never had a 30 day late. and this is the second time it has happened with 5th third. both surrounding the same circumstance. they refused to correct the credit, and told me they don't save the notes. I paid the remaining balance of by mail, immediately after.
|
| 05/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I have a had a personal and business account with Fifth Third for a few years. There were periods here and there that vendors would do automatic renewals that I did not request so I contacted the bank to get them reversed. The non-profit ( Business Acct. ) had a check from XXXXXXXX XXXX XXXX and I physically deposited the check. Several months later I received a check from XXXXXXXX XXXX XXXX in the mail. The feature for electronic deposit was available so I deposited the check. Fifth Third contacted me that the check was fraudulent, closed all my accounts, and contacted Early Warning Services. They have not given me any additional information on this, how to clear the matter up, or the like. My non-profit is suffering because I don't have an account for donations. If anything I am a fraud victim and whoever sent the check was setting me up for this. When I contacted XXXX XXXX XXXXXXXX, they stated that this has happened before. All I have is proof that I am in good standing with them ( XXXXXXXX XXXX XXXXXXXX ), and we have had no issues prior to this situation. I am also making payments to XXXX XXXX ( mentioned in the consumer report ), through XXXX XXXX. XXXX XXXX XXXXXXXX also instructed me to contact mail fraud division of USPS which I did.
|
| 01/31/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Originally, in XX/XX/XXXX I have opened saving and investment accounts in XXXX XXXX XXXX which is a former body before merging with Fifth Third bank.
As I wanted to close the accounts, I asked the Fifth Third bank what I should do to close on XX/XX/XXXX.
Then the customer service of the bank told me that I should make a phone call to a customer service professional of the bank and they could not give any information on my account through email due to their security reason.
As the bank told, I called at their customer service professional on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX during the business hours.
Because the phone was cut off automatically after 20 min every time, I can not talk with the bank stuff enough to solve this problem. And the stuff said that he could not search the old accounts of XXXX XXXX XXXX at customer service. I'm at loss for this situation.
They have not given any information through email with their security reason. I don't know whether my accounts of XXXX XXXX XXXX belong to the Fifth Third bank and what kind of situation is my account.
Also, I searched my accounts in Unclaimed Money website, but nothing matched.
I want to know what I should do to close my accounts of XXXX XXXX XXXX.
|
| 11/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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My wife and I do not have ANY accounts with Fifth Third Bank. However, they keep calling our numbers despite being told multiple times in the past several months that our numbers are listed on the do not call list and are unlisted/unpublished. We have also told them multiple times to stop calling us and to remove our numbers. Obviously, they have not done this since we still get calls. Every time we get a call from them it is a live person that says they are trying to collect a debt. As mentioned, we do not have a debt with Fifth Third Bank and this is just plain harassment! We have filed a complaint with the Do Not Call registry and will be following up with the Better Business Bureau as well as the FCC to report Fifth Thirds continued harassment activities. Tonight, I spoke with someone who assured me the numbers will be removed. I informed him that I would be filing a complaint with the Do Not Call registry as well as any other applicable agencies. If this harassment does not stop we will pursue other legal action against Fifth Third. This complaint process asks for my information as the borrower but as I am not said person the contact information is skewed. This is so that my personal identifiable information is not divulged unnecessarily.
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| 11/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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5/3 bank sent a threatening letter saying that my hazard insurance had lapsed and that they were allowed to charge my account homeowner insurance during period lapse as per mortgage agreement. Letter states I need to show proof of insurance " immediately ", and it must be uploaded onto a certain website - not 5/3 rd webpage, not through 5/3 employ. Problem is- they NEVER checked with my insurance which is auto renewal so there will never be a lapse of coverage. When i called the number on the notice the lady said " don't worry you are fine, i see you up loaded info '' - I said problem is this is someones JOB - nobody ever checked- i should not be getting threatening letters. She said a manager would call me back - never happened. I called insurance company who confirmed- they would have shared info / or lender can " see '' by check some site that it is auto renewal. This is second year i have received this letter and done work for them uploaded proof of insurance. If they want patrons do upload proof of insurance each year- ask nicely, tell me at closing - Local branch also said they couldn't do anything about it as it doesn't come from them -- - Banks shouldn't be able to threaten patroons with large fees, and should do their due diliagence.
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| 12/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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on XX/XX/XXXX i received a fraud alert for XXXX at XXXX est, I took a look at my account and notice fifth third let 4 transaction for through with my debit card number from TEXAS before alerting me on the XXXX ( IM IN MICHIGAN ), i replied no to the text and was asked to call immediately so i did.
it took me 4 tries to get to someone who wasn't lazy the first 3 kept telling me i have to call back during normal business hours to talk to PERSONAL CHECKING, they were ignoring my this isn't personal its business, finally the XXXX person helped me, blocked the card and sent a new one, but said he couldn't dispute the other charges because that was a different dept., and they were closed until XXXX the next day.
I called started the dispute and nothing, until i get a final overdraft warning letter, they NEVER started the dispute and not only are giving me the run around, but they gave the lady at my local branch the run around on Tuesday when she attempted to tall and help me.
at this point i believe they just want to extort money from me..
one rep ACTUALLY said that i teleported to Texas to watch a movie, because I am like " Right now i am on my couch in MICHIGAN after a long day at work watching tv, what did i do? teleport down there? ''
|
| 05/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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On XX/XX/XXXX I went to purchase a specific XXXX Travel trailer model XXXX. I used the suggested dealers bank to apply for a loan that was approved for the financed amount. On this day, I signed the purchase and loan agreement and took the travel trailer home. Come to find out, the travel trailer is a XXXX. I specifically wanted a XXXX or older due to the manufacturing and quality issued that were resulted form XXXX. The Bank funded the dealer for a travel trailer that I didn't sign for. I signed for a XXXX model and receive a XXXX. I tried to return the travel trailer and the dealer will not accept it and as a result, I will also file a complaint with the Federal Trade Commission. In the mean time, I have a loan under my name that I did not sign a loan for. I contacted the bank to advise them that they funded a loan without having a legal documented agreement and they said there's nothing we can do. I have tried to resolve an issue that the bank has created by not verifying the asset 's manufacture date and I have exhausted my avenues. I need the governments help with this case. I will attached the purchase and loan agreement as well as my communication with the dealer and bank that also mentions that this travel trailer is not functional.
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| 11/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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Company said to call XXXX XXXX about my funds for rebuilding my home. This was in their letter dated XX/XX/2021, attached. When I called they refused to transfer my call to XXXX even though I had selected option 3 as directed in the letter. When I tried to find out who I was speaking to I got hung up on. A company called XXXX XXXX said they did an inspection on XX/XX/2021 and came on to my property without my permission and took photos of my container home and or my storage container. They did not inspect the home, the foundation, the septic or the well for the new home. They refuse to provide me copies of the photos they took without permission. I am unable to access my funds for rebuilding my home. I am unable to contact the person they said to contact in the letter. Each time I try I get hung up on and abused as a XXXX person. Since the bank has refused to work with me regarding the rebuilding of my home and since construction costs continue to rise the bank has compromised my ability to rebuild. They refuse to accommodate my XXXX and refuse to adjust my escrow since I am paying my own taxes. According to their letter I need to pay and have transportation in order to communicate with them. This is an unfair action and makes my XXXX worse.
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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Per 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a " consumer report '' explicitly excludes " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Yet, transactions from my account were reported negatively, exclusively involving interactions between myself and your corporation. This unequivocally runs afoul of the aforementioned FCRA provision.
In accordance with XXXX compliance standards, I request that you promptly provide me with the XXXX compliance disclosure governing the reporting of transactions to a consumer reporting agency.
Furthermore, I insist upon the immediate removal of the transactions reported in as late from my consumer reports, as they flagrantly violate federal law. I must stress that my inquiry does not concern validation or verification, and I expect no further delay in addressing these urgent matters.
I also draw your attention to 15 USC 1666b ( a ), which explicitly prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In light of this provision, I reiterate my demand for the expeditious removal of the above-mentioned transactions from my consumer reports.
|
| 11/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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XXXX XX/XX/2022 logged into online 5th3rd account noted obviously altered check # XXXX ( payee line scrawled over XXXX XXXX XXXXXXXX to XXXX XXXX XXXX ) with improper endorsement had been cashed at XXXX XXXX XXXXXXXX and paid by 5th3rd in the amount of {$4200.00}. Immediately called both banks customer service lines several times that evening, and filed police report. XXXX. XX/XX/2022 filed 1st of 3 fraud packets at 5th3rd branch subsequently have been mailed 3 more : 2 by 5th3rd ( I filled out 1 more ) ; 1 by XXXX, which were filled out and notarized. Also opened investigation with USPS. Originals and copies were promptly submitted via fax, hand delivered to respective branches, mailed via USPS registered delivery and XXXX. As an aside, on XX/XX/2022, 5th3rd paid check XXXX again for {$4200.00}. This time a check had been " created '' and my signature had been forged. Calls to 5th3rd resulted in restoration of these funds 24 hours later. XX/XX/2022 opened new 5th3rd checking account overworked employee ordered checks with old account number, had to be reordered not delivered until today. To date, have been shuffled between 5th3rd Collections and Disputes and contacted both banks at least 50 times, but my {$4200.00} has not been restored.
|
| 05/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Two days ago I called XXXX & XXXX to cancel all of the mailings I had been receiving the number of years. I got letters about business ratings. I sold my business and the current owners were getting my XXXX & XXXX letters and it was a nuisance. XXXX & XXXX would not grant my request without my giving them my SS number. I refused. There was no need for them to have it. I was doing no business with them. Today, as I checked my credit report, I see a hard inquiry from XXXX XXXX, which happens to own XXXX & XXXX. I called XXXX XXXX to dispute and was told I need a letter of deletion from XXXX. The phone # for their info takes me to the mail room. I was giving another number to call. That just put me in a run around with no human contact. I tried another number, got a person, told my story, told they did not have permission to do a hard inquiry, that I needed a letter of deletion. I was told that in order to get a letter, I needed to give them my SS #. I said NO. If they did the fraud by making a hard credit inquiry, gave themselves access to my credit history, who knows what else they could do and why would I trust them with my SS #. So I received no satisfaction what-so-ever and I am the one with the undeserved point drop in my credit score.
|
| 07/30/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
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Fifth Third Bank uploaded a 1099 for my XXXX taxes on XX/XX/XXXX, well past the deadline to provide 1099s of XX/XX/XXXX. I had already filed my taxes at this point so I needed to amend them and alerted the bank to the issue. They told me they would not help me out so I amended the taxes myself on XX/XX/XXXX. The bank then sent a letter out on XX/XX/XXXX stating that they would cover the cost of amending a tax return due to this error. I called the bank and told them my situation and they said they needed an invoice from an accountant to reimburse me. I told them I couldn't get an actual invoice since I amended the tax return myself because I was originally told that I wouldn't be getting any help and the letter offering reimbursement went out a month after the late 1099 was uploaded. I got a quote from an accountant for what it would have cost so I could be reimbursed for my time but they denied reimbursing me based on that. I never would have amended the taxes on my own if I had received the letter earlier. I would have had an accountant do it and saved my own time but they sent the letter almost a month after uploading the late 1099. I was not able to be reimbursed because they originally said they wouldn't help and I filed on my own.
|
| 01/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
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Web |
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I notified Fifth Third bank in XX/XX/XXXX and advised that my pay check with being garnished via my husband at the time hospital bill. and that i would not make enough due to being the only one working due to the brain injury for my husband at the time. I filled out a Hardship application and was denied but continued to make the monthly payments as well as I could. I continued to make payments until XX/XX/XXXX when i was told they would not take my payment and to call the fifth third bank in XXXX. At that time i was advised that i was late so many times on my payment and that they would not except anything but the full past due payment or my account would go for foreclose.
I have been back and forth filling out hardship applications with fifth third and on XX/XX/XXXX they sent me 3 of my last monthly payments back to me. I still have that check.
I now have been denied again for the hardship change to my loan and they are advising me that they are going thru with the foreclosure.
I feel that fifth third is not working with my and i have followed all their steps to prevent this from happening When i call i never get the same answer from the representatives on the phone and no one can tell me what is going on and what needs to be done.
|
| 12/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Fifth Third had a promotion to receive a slightly higher than market rate on a money market account. The banker when I set it up told me when the promo period expired they would help me get into a new promotion or a current rate. When the promo did expire, no one at Fifth Third could tell me what my new rate would be or when it might change, only " back office '' systems determine that. Another banker also encouraged me to put additional money into the bank to take advantage of another promotional rate. The " listed '' rate on a money market is 0.01 %, which is obviously well below the market rate.
I believe these promo rates are UDAAP. It encourages the customer to put large sums of money into the account to get a marginally higher rate for a brief window of time but then Fifth Third will not disclose what happens to the account next. It is bait and switch at best and simply deceptive as well. Clearly the business model is to pay the high rate for a while, assume most customers will forget about it and then lower the rate to one well below market rate. If these things were properly disclosed, it would be one thing but they are not. It simply isn't acceptable to say the " back office '' will determine your rate and we won't tell you.
|
| 11/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
At the beginning of XXXX of this year, I notice on my credit reports Fifth Third reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and Fifth Third was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted Fifth Third Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now divorce ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.
|
| 06/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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The Mortgage is in CARES Act forbearance. In XX/XX/XXXX I entered a Trial Period Plan with the servicer. Pursuant to the plan, I timely paid servicer 3 trial payments. The final trial payment was made on XX/XX/XXXX. I contacted the servicer several times asking when I would receive the modification documents and was told they were being processed. I called the servicer on XX/XX/XXXX and spoke to XXXX XXXX. She requested trust documents which I sent her the same day. She responded to my email and confirmed receipt of the trust documents. Unable to reach the servicer by phone, I sent a letter on XX/XX/XXXX by registered mail asking that the loan modification documents be provided. I did not receive a response. I called several more times to inquire about the status and was finally told last week that the trust documents had been misplaced and therefore servicer had sent me another Trial Period Plan, requesting that I make another 3 trial payments. I was told the new Trial Period Plan proposal was sent on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received it. I would prefer that the servicer and lender not breach the original bargain and send me modification documents to sign pursuant to the original Trial Period Plan letter.
|
| 11/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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My mortgage/home loan was purchased by Fifth Third Bank. I have tried to setup an an automatic payment via their website/online ; they do not offer this capability. If I try to call them - no one is available to speak to and the " hold/wait time '' is longer than 30 minutes. Instead I have to log on each month and create a monthly payment online ; their systems are so compliated and inept - they have " over collected '' on effort to reduce my principal twice. Again - I have tried to reach them by phone to find out how/why they are unable to properly process my payments - but again if I call someone the wait times are longer than 30 minutes.
Not sure how in this day and age all roads having to speak to someone " live '' at their company and they can make me have to wait for more than 30 minutes. Initially - just signing up with this banking organization was nothing short of horrific. Worse banking experience I have ever encountered. Again - I could not " log on '' and create my Fifth Third online account without someone stepping in and helping me over the phone.
During the pandemic - its hard enough to get by without the additional hoops and hassles this bank has caused me. Thinking of refinancing just to get away from these fools.
|
| 02/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
My name is XXXX XXXX XXXX. I had lost {$4600.00} in XXXX transactions, due to a fake investment. I was told to send money to various individual accounts on XXXX. I reported this situation to Fifth Third Bank and they opened a dispute case in late XXXX, but it was denied, because XXXX was unwilling to reverse the transactions. I then reopened the case in early XXXX, but it was denied once again for the same reason, including that we don't know exactly who scammed me, so they wouldn't be able to proceed. I submitted a report to the FBI, but I haven't gotten anything back from them.I added both of the reports to my dispute case, but it still didn't help. I reported the " investment website '' that was used in the scam to the XXXX and federal trade commission, but the website is still up and running. I tried tracking down this person myself, but I have run out of options at this point. The only basic information I know about this scammer is the " investment website '' that was used, his or her XXXX number, and the XXXX information of the accounts I sent money to. His or her phone number begins with XXXX and that is XXXX of the area codes of Texas. I hope that you can take this information into consideration.
Thank you, XXXX XXXX XXXX
|
| 05/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
This past Sunday, XX/XX/22, I received an email alert notifying of a pending {$800.00} XXXX payment that was scheduled to be debited from my private bank checking account on Monday, XX/XX/22. Ive never used XXXX XXXX and do not know the recipient. As this was clearly a case of fraud, I promptly phoned XXXX customer service to alert them of the issue. The CSR dismissed it, as the transaction wasnt yet appearing in the account ledger. I emailed the investigation department at the CSRs behest, and provided a screenshot of the evidence. At this point, having performed all due diligence I could, I trusted the bank to protect my interests.
However, when I checked my account the next morning while on my way into work, I discovered that that transaction had been allowed and that I was subsequently overdrawn {$220.00}. Two days later, the situation still hasnt been resolved and my account still has not been credited the {$800.00} which was stolen. The dispute department is dragging its feet, and my private bankers are indifferent to the situation. As of Thursday, XX/XX/22, XXXX is still letting my account languish with a negative balance without restoring the {$800.00} which was stolen from me due to their negligence and incompetence!
|
| 02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2020, I submitted a payment of XXXX as a direct deposit payment and a payment confirmation of that date and payment I submitted was confirmed and I printed a copy of the record, on XX/XX/XXXX I called 53rd bank to ask why I was reported late on my credit report, representative from the bank said no payment was received from me, after sharing my confirmation number and reason why that occurred was on a technical level issue on behalf of the bank, representative agreed to reverse the late payment fee adjustment as it appears on record and along my confirmation that I printed at the time, knowing that my XXXX shut down due to coronavirus in mid to late XXXX reason for my late response to the technical error on the 53 bank website. The representative said reversing the late fee will automatically remove my negative reporting to the account and this has not been completed and it has neglected my ability personally while a victim of business interruption of the pandemic and a victim of XXXX XXXX illness shortly after. Also monthly payment are electronically shown paid and that the count of payments made versus if any missed doesnt add up to a completely 30 days of no such payment and my records are available to provide clearly.
|
| 02/09/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I am filing a complaint in hopes of receiving back the thousands of charges that 5/3 has charged me. I had some extenuating circumstances with my employer, XXXX, where they changed our entire global pay system, and I did not receive a paycheck for the month of XXXX 2016 basically. In that time, 5/3 put through several of the same charges, 3 times, incurring a {$75.00} fee for XXXX transaction, to the tune of {$1600.00}, in 3 months. I wrote to XXXX XXXX, the Presidents office, 3 times, pleading with him to reverse, at least the second and third fees on each XXXX, I am willing to pay for XXXX {$35.00} fee per transaction, but XXXX seems exorbitant. Here is a list of the dates and charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} in bank fees in 90 days.
If XXXX of those are valid - it means {$1100.00} are second and third time charges for the same debit attempt.
I am asking for {$1100.00} back to me for the second and third time attempts. They told me no, they cant refund me any fees more than {$74.00}. I think this is atrocious.
Feel free to contact me. I feel that this is heartless and that they are taking advantage of me.
|
| 04/17/2015 |
Yes |
|
|
|
Web |
|
|
I once had a credit card with Fifth Third bank, which was closed bank in XX/XX/XXXX. In XX/XX/XXXX a charge that was stored on an online account automatically tried charging the card for the renewed subscription. Instead of Fifth Third bank declining the transaction they reopened my closed credit card without my permission. Finally, after three months of not contacting me via phone, email, or mail, I received a letter in the mail saying I owed the charge of {$77.00} ( for the service ) and an extra {$100.00} for late fees. After countless hours on the phone with them, they acknowledged my credit card was closed and they reopened it. I offered to pay the initial {$77.00} fee if they would waive the late fee for not informing me, or without reopening it without my permission. They said they would look into the dispute into a better solution. After about another month they sent back a letter saying the dispute was denied and I owed the entire fee. When I called back to ask how it could have been denied, since they reopened a closed account, they said the 120 day period has passed and there is nothing they could do about it. I have since discarded the credit card because I had no use for it after I had closed the account in XX/XX/XXXX.
|
| 05/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
On Friday XX/XX/XXXX, I received a cheque for {$600.00} in the mail made out to me and drawn on an account with Fifth / Third Bank in XXXX XXXX, MI by the XXXX XXXX XXXX XXXX ( XXXX ) - a State Agency. It was a refund of an overpayment of child support.
That same day, I presented the cheque for payment at a local branch of Fifth / Third Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX. I had valid identification with me ( a Michigan Drivers License ).
I was told by the cashier that it was company policy to charge a 2 % fee and that I would need to build a credit profile with their bank as I don't have an account with them. I told her that they have an obligation to cash the cheque without a fee. She refused. I left.
I believe that this was illegal. In this case, I was fortunate to have an account with a local credit union and could clear the cheque through it. I had hoped to access the funds immediately but was forced to wait.
This policy clearly is discriminatory and forces the poor who don't have bank accounts ( primarily people of XXXX ) to pay their fees. It is also a disgrace. They are charging their clients for having a checking account but are refusing to honor their cheques unless certain conditions are met.
|
| 06/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
On Tuesday, XX/XX/2022 I went to the drive thru of the 5/3 bank at XXXX XXXX XXXX in XXXX XXXX, Il. WHile there, I asked the bank teller instead of giving me cash, to please make my withdrawl into a Money order or casheirs check, which ever is cheaper. She said for that I would need to come in, I stated to her that I am on crutches and can not. When I filled out my witdrawl form I clearly marked and signed to withdraw my money from my savings account.
On Wednesday, XX/XX/2022 I received my bank alert and checking account had a negative balance. Iimmediatley figured out that the bank teller withdrew from the wrong account. I checked my my accounts and the bank teller certainly did withdra my money from the wrong account. After nearly 30 minutes of speaking to another bank teller and I myself ttransferring my money from the savings to the checking to get out of the negative balance, the teller still refused to rectify the situation by returng the negative money that I am now out. However, after clearly stating to him that I will close ALL my accounts, he did admit the teller was in error and they do have the signed withdrawl form with SAVINGS marked. All I want is the money that I now lost because of this bank teller and her error.
|
| 02/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American |
|
About 7 years ago I lent my cousin my fifth third bank credit card to provide some assistance during tough times. I never renewed this card, and figured when it expired after a couple years my support for my cousin would cease as well.
However, about a month ago I received a notification from XXXX Bank regarding a credit card in my name that had a missed payment. I believe this cousin of mine fraudulently kept this account open past its original expiration using my personal information. I went to the physical bank on XX/XX/23 to figure out whats going on. I spoke with a banker named XXXX who said there was nothing they could do to remedy this issue. So now XXXXm stuck with {$10000.00} balance in my name with seemingly no recourse. Attached you will find two credit card statements. One is the one correctly addressed to my home. The other one is the address of my family member that perpetrated this act. I believe she finally switched the address on the account so I can assist her in payments.
Additionally, I can not even access the account through Fifth Thirds phone line because after my social they request the account PIN number. Since I did not sign up for this account, I dont know the PIN and am unable to speak with someone.
|
| 09/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/2023, I informed XXXX Bank of fraudulent activity that occurred from XX/XX/XXXX through XX/XX/2023. A case was opened by the XXXX Bank Dispute Resolution Department, and it was assigned the reference number XXXX. This case pertained to unauthorized XXXX transactions totaling {$3900.00} that were posted to my account ending in XXXX.
In a letter dated XX/XX/2023, I received notification from the Dispute Resolution Department stating, " we attempted to recover the funds through XXXX ; however, unfortunately, our attempts were unsuccessful. Therefore, the dispute claim was denied, and temporary credits were reversed on XX/XX/2023. '' The Electronic Fund Transfer Act Regulation E ( E CVFT 205.6 ), which clearly states that for unauthorized transfers not involving the loss or theft of an access device, if notice to the financial institution is provided within 60 calendar days after the transmittal of the periodic statement on which the unauthorized transfer first appears, the maximum liability to the consumer is 'No Liability. ' Given that XXXX and Regulation XXXX are applicable to XXXX payments like XXXX, I am formally requesting that XXXX Bank refund my account in the amount of {$3900.00}, as per the regulations outlined.
|
| 01/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Opened a 5/3 checking account online, in response to a hardcopy mailer ( attached ) promising {$300.00} bonus 10 business days after making qualified deposits. I made the deposits via direct deposit of my paycheck. Exactly as specified in the offer.
No bonus was received as specified. I tried contacting 5/3 via their barely functional online Chat feature, with barely sensible responses. Finally gave up on that and called their Customer Svc # -- spent a half-hour with multiple representatives, plainly laying out the terms of 5/3 's mailer and how my actions met their terms. And getting, " I don't see that your account is eligible for any bonus. '' Finally the last rep said, " you'll need to go into a Branch to resolve this. '' There is nothing in the terms of this offer requiring me to go into a Branch to secure the promised Bonus.
Side note : 5/3 's website is barely functional. There is no way to email this company. All they offer is online Chat, regardless of their Customer Svc hours. To get to Chat, they send you to an endless loop of " Login to Chat '' -> Login Again -> " Login to Chat '' ... Over and over. Almost like they don't want to let you log a service ticket / email. Horrible, horrible experience with this bank.
|
| 12/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have been a customer of 5/3 Bank since XX/XX/XXXX and had good expierences with them up until XX/XX/XXXX. I did a mobile deposit to Acc # XXXX and was given {$100.00} available upfront. On XX/XX/XXXX the funds were not available and the bank took back the {$100.00} in funds that were given upfront. I was advised on XX/XX/XXXX that the funds would be available fully on XX/XX/XXXX. I disagree with the decision. On XX/XX/XXXX I went to my local bank branch and spoke with XXXX regarding the extended hold and explained I have never had an extended hold placed on a deposit before ever in 4 years. I also brought proof that the business I deposited had cleared from the other bank and showed a statement where the funds were available from the other bank account at the other institution. The local branch at 5/3 has done nothing to help me receive the funds any earlier with the proof that they cleared. It is 7 days before the XXXX Holiday and now im without funds to pay for my bills, living expenses and XXXX for my family. I have attached a copy of the Reg CC hold guidelines that the bank claims they did to my deposit. I was never given the first {$100.00} and my hold was longer then 5 business days. The deposit was less then {$5000.00}
|
| 03/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/ XXXX XXXX XXXX bought my mortgage. I was given a letter saying the auto-payment was set-up before payment was due in XXXX and the letter not making any significant notice of when the auto-pay would start rather hiding it in the body. It was also approved right before a payment was due and through a lengthy process of sending letters back and forth. The payment was never taken and I was given a letter of notice saying I was late. Upon receiving the letter I called and was apologized to, they removed the late fee and had the difference be taken by the next auto-pay cycle. I was promised it wouldn't show up on my credit report and that the auto-pay system will pick up the following month rather than XX/XX/XXXX. Which makes me wonder why in the first place it was scheduled so far off. A few months pass and it shows up, I called back and a woman told me it had to go on the report as it was a missing payment. She said she would not remove it and she didn't know who I spoke with but he was incorrect. I ended up getting a law firm to combat these with the credit bureaus and all but XXXX has removed the item. I am now in the process of buying a home and because of this item not being removed I am at risk of losing out on a home.
|
| 10/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I was going to use my business checking account or personal debit card to make payments but was advised that I can not use any account that is not under my name or a debit card. Debit card because it will cause payment failures. From my understanding making a payment via debit card is faster as the funds are withdrawn immediately and there would be no concerns with a payment return like it happens with checking/savings account as it takes days to withdraw and can be disputed afterwards. If I came across an issue where I needed assistance and family wanted to help with payments I would not be able to get help to make the payment online as I have to have the bank info under my name. This causes for additional struggles and additional interest to accumulate on my loan. I could be making the payment same day with a debit card if the payment fell on the weekend but because they won't accept it the payment moves to the next business day causing more interest that I was trying to avoid. When getting this loan through this company there were no indications that I would be tied on how I could make my payments. They don't think about making it easier on the customer or try to aid in making improvements for a better customer experience.
|
| 08/18/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have a prior complaint against Fifth Third Bank, # XXXX, that was closed because they responded. Although they responded, I still have not been given the information I requested which is to have someone go over my account with me over the past year or, send me the information showing mortgage and escrow payments made with a balance after each transaction because I am alleging that one or more of my escrow payments may have been misapplied or not applied at all. In her XXXX XXXX, response to my undated letter, a copy of which I also sent to CFPB, Ms XXXX XXXX stated that A letter providing more information will be mailed to you at the address on file within fifteen ( 15 ) to twenty-five ( 25 ) days, which I do not under stand why it would take almost a month to sent me the payments and balances made on my account over the past year. I have yet to receive any information from Ms. XXXX. I believe I have been patient and waited long enough for information that should be electronically accessible. Fifth Third Banks responses are so apologetic but that is not what I am looking for. They need to do better. What I am looking for is a history, over the past year of mortgage and escrow payments with a balance after each transaction.
|
| 12/21/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2022 I transferred money from my savings account to my checking account then withdrew the money. Fifth Third Bank determined this was suspicious activity and locked my accounts. On XX/XX/2022 I went to ATM and withdrew my savings. I spent 3 hours on the phone on XX/XX/2022 trying to straighten out unlocking my accounts. There were sufficient funds to cover all transactions. The bank kept hanging up on me. There seemed to be no more problems until XX/XX/2022 when I attempted to pay my electric bill via bill pay. My payment was held from XX/XX/XXXX through XX/XX/2022. I went to my local bank to ask why the funds were held. The banker told me it was not her responsibility to check into these holds. I was told to call customer service. When I stated that I did not want to be placed on hold for hours, I was told to find another bank if I wasn't happy. I left the bank and called customer service. After 45 minutes the person on the phone said I would have to be placed on hold for third time. I asked her to call me back when she got an answer because I was heading into a doctor 's appointment. I was then informed that they would not call me back and that if I called back later, I would have to start the whole process again.
|
| 02/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
On XX/XX/XXXX of 2020 ( XX/XX/2020 ) the amount of {$890.00} was stolen from my Fifth Third Bank XXXX account and force it into a negative balance. On that same day I immediately notified Fifth Third bank of the theft and the bank agents refused to adjust the account and disconnected the call without submitting a dispute. On XX/XX/2020 ( XX/XX/2020 ) I deposited {$2000.00} to restore the account from a negative balance to avoid charges, leaving the account with a {$100.00} balance after posted transactions. Again on XX/XX/2020 ( XX/XX/2020 ) another theft of {$540.00} from XXXX XXXX XXXX company forced my account into a negative balance due to undisclosed banking activity and improper ledger book entries. I notified Fifth Third bank agents and dispute department again on XX/XX/XXXX of 2020 XXXX ) faxing to them proof of the theft by XXXX XXXX XXXX to show the improper adjustments in my account sending the account into a negative balance. I received no assistance in identifying these irregularities. Fifth Third Bank has failed to disclose to me that their contract agreements with Visa and Master Card allows vendors to access my account activity and alter my transaction history of pending and posted transactions in my account.
|
| 08/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Filed a dispute claim with Fifth Third bank after I realized someone stole & used my business debit card number & made 5 purchases totaling {$23000.00} at XXXX, and this was absolutely not me .I have never authorized to open an account at the mention company and absolutely have not used my card in a combined 5 transactions from XXXX through XXXX. The support is non existent at this company, so I may find out how my payment info someone was used without my permission, but 5/3 insisted that I confirmed via text which I never did nor plan to do after I experienced phishing and smishing attempts almost daily on my cell phone in the past.
The bank insists that I confirmed the purchases using my phone number, but I told them it was not me, and they said they sent me a fraud text to my phone number before charging my card, however that is not true. I called to to report fraud, and now I am being treated unfairly. I cancelled this debit card in XXXX & i still have the physical card which is clear and cut fraud per the Consumer Protection Act. How can they blame me when never agreed to any of the transactions! Please see below Fraud Transactions - XX/XX/21 - {$4600.00} XXXX {$4800.00} XXXX {$4400.00} XXXX {$4700.00} XXXX {$4800.00}
|
| 02/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Representatives from XXXX, XXXX XXXX XXXX ( XXXX ) have repeatedly called my phone. When I called them back, agents ( XXXX XXXX and XXXX XXXX ) repeatedly hung up on me when I attempted to get verification of the debt owed and talked over me when I sought information about the debt, and only wanted to collect payment information without proper debt validation/verification. Each agent hung up on me when asked about debt verification and/or to connect me to their legal department or a supervisor. XXXX, XXXX XXXX XXXX ' agents stated that a chapter XXXX discharged debt was STILL owed even after I informed them that the debt was discharged in federal bankruptcy court in XX/XX/XXXX. They then threatened me with a lawsuit if I attempted to collect any further information from them and threatened that without agreeing to pay for the debt today ( on XX/XX/XXXX ) they would send over the false documents of a debt owed to XXXX Bank for " over draft fees '' in the amount of {$940.00} to the federal credit bureaus. I provided my attorney 's contact information to agent XXXX XXXX who was extremely rude & nasty. This collection agency harraseed me and verbally threatened to ruin my tediously rebuilt credit over a debt discharged in XXXX.
|
| 03/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Fifth Third Bank is classifying Balance Transfer Fees as " Purchases '' on their credit cards instead of counting the balance transfer fee as part of the transfer itself. This has resulted in consumers being charged interest rates as high as 29 % on the balance transfer fee when taking advantage of a 0 % APR balance transfer offers ( with a 3 % balance transfer fee ).
Because Fifth Third Bank applies payments to the lowest interest balance first, they make it impossible to avoid this bait and switch on the balance transfer fee interest charge.
I attempted to point out the misclassification of the balance transfer fee as a purchase to Fifth Third Bank on XX/XX/2019 and they replied on XX/XX/XXXX : " Balance transfer fees are processed as purchases and the purchase interest rate is applied for Balance transfer fee. '' No other bank I have ever dealt with classifies Balance Transfer Fees as " Purchases '' and this is obviously a tactic to incorrectly charge interest to the consumer that they should not be paying. A balance transfer fee is not a purchase and should not be charged or classified as such. Furthermore, this classification was NEVER stated in any of the balance transfer correspondence sent by Fifth Third Bank.
|
| 08/24/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am upset that my mortgage company ( fifth third bank ) did not pay my property taxes from my escrow account when they came due in XXXX. Their reason was that because I refinanced my mortgage, it froze all transactions on my account. I was charged a {$130.00} late fee from the county because the payment was not received by XXXX/XXXX/2016. It should not matter that I was refinancing because they had an obligation to pay the taxes from my escrow. There was almost {$2700.00} in there and my taxes were XXXX.. We had not closed on our refi at the time the taxes were due, so if we had decided not to refi and stay with fifth third, they would have to pay them anyway. Fifth third stated that they could disperse my taxes but it would change my payoff and my new lender would have to request another payoff which would have prolonged the process. To resolve this, my new lender included the taxes in my new mortgage and dispersed them to the county when the loan funded on XXXX/XXXX/2016. The county received my tax payment today XXXX/XXXX/2016 and they are now current. Its frustrating because even though {$1300.00} is a small amount, I am now paying interest on this amount over the next 30 years because my taxes were not paid on time.
|
| 10/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This is about an INSTALLMENT LOAN, Maturity loan for the amount of {$48000.00} approx. My loan was dated from the year XX/XX/XXXX. I have been paying {$410.00} totaling 12 years X 12 months = 144 months, 144 X $ XXXX= {$59000.00} up until XX/XX/XXXX. However, my balance for INSTALLMENT LOAN still shows {$38000.00} approx.
I received a call from 5/3 bank XXXX XXXX XX/XX/XXXX, stating if you will not pay your outstanding amount your house will go for FORECLOSURE, we will take legal action against you. When I asked them I have already paid {$59000.00}, how come the balance of loan amount is reduce by {$10000.00} and interest on that loan amount is 9.46 % please let me know what is going on? On XX/XX/XXXX I went to the branch office near XXXX and XXXX in XXXX, ILLINOIS XXXX at XXXX XXXX. I asked the banker XXXX XXXX for contract and calculation for my loan amount, she refused to give me the copy of loan contract she said is not printable, XXXX XXXX showed me on computer screen that {$48000.00} LOAN AMOUNT+ {$76000.00} INTEREST in 25 years, They did not answer me and have harassed me to see foreclosure. I am taxi driver in XXXX, Illinois. I humbly request you to look into my matter. I have never been behind in any payment.
|
| 09/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hi, as of XXXX XXXX I switched to XXXX home owners Ins from XXXX a XXXX underwriter.. I was told at first that XXXX from XXXX could do the transferring of the car and home ins ... than she called and told me I had to go into the office at XXXX to cancel the HOI..so I did and signed a paper stating that I no longer wanted XXXX and that I had new HOI.. I did that in front of a guy named XXXX.
XXXX XXXX came and the XXXX XXXX paid XXXX for the year ... than in XXXX I asked why the escrow was soo much when I lowered the XXXX from then {$1400.00} to $ 600/yr and XXXX said sorry and sent me a check ( {$420.00} ) as well as lowered my payment $ 100/month ... I thought it was fixed but ... then in XXXX XXXX paid XXXX {$1600.00} for HOI till XXXX as a second HOI???? does this mean I get 2 homes if my home burns down?? I DO N'T THINK SO. so I asked XXXX if they could shed some light on this and they told me that XXXX no longer works for them ... so I asked XXXX if they could shed some light on this and they said that XXXX no longer works for them ... so I asked XXXX XXXX why they are paying 2 HOI on 1 home and they said yes that what we did??? HOW DO I FIX THIS?? XXXX XXXX already paid {$3200.00} for Ins that I cant use?????
|
| 04/28/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I recently pulled my credit report on XXXX/XXXX/XXXX because my mortgage lenders told me there was a couple of negative items. Looks like the Barclays Bank and Fifth Third bank are reporting late payments on XXXX XXXX for XXXX and XXXX XXXX for fifth third bank. I submit a request for a goodwill adjustment to remove nagative payments from my reporting. However after making my submission, I received my results back from the dispute, and now the report is looking even more negative which in not correct. The report now is showing XXXX, XXXX, XXXX of XXXX and XXXX XXXX as late payments for fifth third bank. That information is not correct and affecting me greatly. Please review again. I am currently in the progress in buying a home. I ask again please correct my report as it showed on XXXX/XXXX/XXXX and if you may consider to removing the negative reporting of my XXXX XXXX XXXX payment and fifth third bank Payments please. At time of the late payment, I dealing with a number of things, my son got sick and my partner lost his job. I been a great consumer and always make payments, if you continue to review my report I am never late on any other creditors. The attachment I included shows my original reports. Please review.
|
| 01/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I filed a credit card dispute for suspected fraud payments with the Fifth Third Bank on XX/XX/2022. The dispute case number is XXXX. On XX/XX/XXXX and XX/XX/XXXX, I received 2 letters from the Fifth Third Bank that the dispute has been resolved in my favor and the credit has been applied to my account. Please see attached letters.
I didn't make credit card payments from XXXX to XXXX as the charges were in dispute and the dispute was resolved in my favor.
However, the Fifth Third Bank has sent my account to the collection agency for late payment and it has significantly impacted my credit history. I am getting harassed every day by phone calls from collection agency. I have spoken several times to the customer care representatives of Fifth Third Bank and have met Bank Managers and Regional Managers, and all representatives have tried to resolve the issue by filling internal complaints. A Bank Manager informed me that it seems to be a technical error that although the charges have been cleared but the balance is still outstanding.
The collections proceedings should stop as the charges were in dispute and the now the dispute has been resolved in my favor. The Fifth Third Bank should be penalized for harassment.
|
| 06/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2021 I called Fifth Third Bank and spoke with the disputes department to file a dispute from a transaction that occurred on XX/XX/2021 from XXXX in the amount of {$25.00}. I spoke with a manager named XXXX. The {$25.00} was withdrawn from XXXX XXXX XXXX XXXX It was an account attempted to be opened online. The account was never opened as I did not reside in their footprint service area. I called XXXX as well. They advised that a check was mailed to me on XX/XX/2021 and I did not receieve it. I also learned that there was a clerical error with the address and was sent to an address i never lived at. The Bank confirmed it was not cashed. XXXX advised for me to dispute the amount with Fifth Third, in doing so, the rep at Fifth Third said i have no dispute rights and I am out the {$25.00} until the other bank reimburses me. The other bank advised they wont issue another check. So why should i have to be out {$25.00} because no one wants to accept responsibility for the loss its caused me. I dont know why companies are allowed to just keep other peoples funds and not give them back. Its not right. Banks cant be trusted anymore these days and this is why people choose to stay unbanked for reasons such as this.
|
| 08/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
To Whom it May Concern, I received the attached letter from 5/3 stating my account was overdrawn {$160.00} and counting. I have not used this account in months and left a nominal amount ( believe around {$1.00} or {$2.00} in it ) and now all of a sudden I am overdrawn {$160.00}. I have no access to online banking, I have tried to regain access and it does not allow me to login. Password reset or other attempts are failed even after I provide the required information.
5/3 Terminated my online access and failed to mail me statements for me to even see what is going on with my acccount. Reg E requires periodic statements, especially when there are transactions and/or fees. 5/3 never sent that, but sent me a letter stating I owe {$160.00}.
I dispute that amount owed and any amount of the fees. I am requesting 5/3 advise me what caused the account to go overdrawn, if the charge is valid, then I am requesting 5/3 to honor the charge ( which apparently they have already done ) reverse out the fees because I had no ability to access my account to rectify the situation and I will set up a transfer to pay. Otherwise if I don't recognize charge, I would like to dispute it. I would also like to obtain account access again.
|
| 08/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The escrow amount on my mortgage changed and I didn't know it had changed. I have automatic payments setup in my XXXX XXXX XXXX account and have NEVER been late on a mortgage payment. My normal payment of {$1200.00} was received by 53rd bank on time as it always is but because the mortgage amount had changed and I didn't know, they did not post my payment to my mortgage. The difference if {$32.00} was only a change in the escrow amount yet they didn't apply my payment and hit my credit report with a late payment, which I was not late.
I have been in the process of refinancing my mortgage, but I can not do that now due to the late mortgage payment report and the subsequent 200 point drop in my credit rating, which has been Excellent.
I am very upset about this and it is costing me the opportunity to refinance my mortgage and save {$300.00} per month with the lower rates. 53rd Bank 's negligent handling of this is impacting me financially. I also would like to purchase a used car but will not be able to now due to the credit damage they have caused.
I would like the late payment entry removed entirely from my credit report and my credit rating restored to Excellent immediately. Thank you for your assistance.
|
| 08/31/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened an account at fifth third bank. I was online messing around with the bill pay feature. I have a small business so this feature would be great for my out of state employees. I set up a check under my business name for XXXX $ and hit send. I tried to cancel and the online said I could n't because it was already in processing. Well I did n't contact anyone because the check was coming to me so I was going to throw it out I knew it would n't get cashed. Next thing I know my account is locked so I called the fraud department explained what happened and they said all I needed to do was go to a bank and the branch manager could unlock it. So the next day the branch I went to made a call and said I needed to contact the branch manager where I opened the account so I did that immediately. She said she would call the fraud department and call me back. After half a day went by I called back and she said there was nothing learned yet. I waited a couple days called and she said sorry there was still no answers for me. I only have {$50.00} in this account so it 's not causing financial issues only a long drawn out headache. How hard is it either close the account and give me back my money or unlock it and do business.
|
| 05/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth third bank erroneously applied home owners insurance during covid period and applied my regular monthly payment to my impound account. I provided proof that the insurance had, in fact cashed the check for my home owners policy. The check was " lost '' somewhere between the sender and insurance company, however, they did eventually cash it. I have made every payment on time. Fifth third refuses to credit back my account for placing their insurance policy on it and continues to say I was late on my monthly payments when in fact, all payments were made on time. I want the credit report corrected to reflect all payments were current. I have never received a late charge on this account. I sent copy of front and back of insurance check showing it was cashed by insurance company as well as the policy declaration showing the dates of coverrages. They still refuse to refund me or update my credit report. They also refunded me my first payment on the loan saying " no account found '' which I then had to resend the check out.
My title company sent them an additional check to cover the insurance that they erroneously placed until it could be sorted out and Fifth third sent me a XXXX check back for impound overages???
|
| 08/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This is a summary and a full complaint was sent to the Consumer Finance Protection Bureau from the State of Ohio Office of Financial Protection on XX/XX/2022. It has been over a month and I have not been contacted yet by anyone at CFPB.
I filed a complaint with 5/3rd bank on the several issues with their online process and with the mortgage lender not assisting when he stated that he would. I was quoted multiple rates and The payment was not processed through the online system. I tried multiple times to get help through customer service up to a Vice President XXXX XXXX and still did not receive a response. This has now cost me thousands of dollars in additional interest and lost revenue from the other properties that were to be refinanced through 5/3rd. There is a complete email track, and 5/3rd has voice recordings as well as the records for the online portal. I want the rate that we were quoted for our Primary and Secondary Investment properties. The VP XXXX XXXX called me and we spoke and had emails that when 5/3rd discovered they were at fault they stopped returning my emails and phone calls. They " Ghosted '' me. This is not acceptable. We have been a bank and mortage customer with 5/3rd for over 20 years.
|
| 12/07/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
There were not appropriate categories to choose from and I was forced to choose something, so I apologize for that upfront.
In XXXX 2017, my husband 's ex wife subpoenaed information from Fifth Third Bank related to his bank accounts. We have an account together, so she received financial statements from that account. My bank also sent the " signature card '' from that account, which was created when I opened the account ( as an individual account ). The account contains a lot of my personal information, including the date the account was opened, my mother 's maiden name, and my social security number. No information was redacted.
I had previously notified Fifth Third that I am not a party to the case. While I understand why the bank statements were released, my social security number is completely irrelevant and personal, and should have been redacted.
I tried to resolve this with Fifth Third Legal and customer service to no avail. Customer service will only advise me that the matter is " closed ''. Legal will only speak to an attorney.
My husband 's ex wife now has my social security number, and her attorney has released copies of the signature card to numerous individuals. This could be very damaging.
|
| 09/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XXXX I initiated a wire transfer through a branch of 5/3 bank to an account I own XXXX where I currently work. I confirmed the transfer and it was approved by the fraud team and the money left my account. I called in on XX/XX/12 to get the details of the transaction as I didnt receive confirmation details. The first two agents, whom were located in an XXXX call center, didnt have access to provide me details and told me to visit a local branch. They also both released the call. I was told that the call center agents dont call back customers when the connection drops on their end, a frequent occurrence in the XXXX XXXX
I called in and spoke to a third representative who I immediately asked to speak to a supervisor. This supervisor transferred me to the wire department, who told me they didnt handle personal accounts and would transfer me to someone who did. I asked that they confirm the person I spoke with would be able to provide me the requested information and they assured me they would. Instead they cold transferred the call back to a general inquiry rep who couldnt see the information I needed.
I am now speaking to my 5th person who cant provide me the needed information. She too released the call.
|
| 04/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
My father took out a loan from Fifth Third Bank in XXXX, XXXX for the purchase of a XXXX XXXX XXXX in XXXX, Florida. {$13000.00} was financed. All payments had been made on time up through and including payment due XX/XX/XXXX. My father passed away on XX/XX/XXXX. I was unaware that my father had taken out a loan to purchase this vehicle. On Friday, XX/XX/XXXX, the car was repossessed. Firth Third claims to have called the only number on file with the loan which was my fathers cell phone. This phone had not been used since my fathers death. At no point were we contacted by mail or any other means that the loan was delinquent. At the time of the repossession, the loan was 60 days past due. My elderly mother was then left with no vehicle and no understanding of what happened.
We learned that the vehicle was repossessed from the XXXX Police department after my mother reported the vehicle stolen. In order to recover the vehicle from repossession, we were forced to pay off the entire loan balance plus the repossession expense. This totaled {$10000.00} which included {$450.00} toward repossession expense.
We feel we were treated extremely harshly considering my father 's impeccable payment history prior his death.
|
| 02/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
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Today at XXXX I received a text from Fifth Third : A charged of {$600.00} posted to your card on XX/XX/XXXX if you do not recognize this click XXXX XXXX XXXX to stop payment.
I do not have any banking/financial relationship with Fifth Third. Fifth Third moved into the area and took over the XXXX XXXXXXXX XXXX back in XXXX or XXXX. I did bank with XXXX XXXX and closed my checking and savings shortly after Firth Third took over and began offering a different type of customer service.
I clicked on the link but stopped the spin/search it was doing. Blocked the number and came to this site. I then sent a text to XXXX with a screen shot of the Fifth Third communication. My service provided received the text and they'll take it from there.
I received a text last week from Fifth Third on XX/XX/XXXX they were cancelling or stopping the debit card ; I deleted the text and blocked the number because it was weird considering I do not have a debit card or any card with Fifth Third and shouldn't receive a text from them at all. I mentioned to the teller at my credit union how odd I thought the text was. ( I happened to be at the credit union when the text came through ). Thank you for your attention and consideration.
|
| 01/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
I have had a XXXX Fico score prior to the payment issue on my account. Throughout the entirety of my loan with 5/3rd bank I paid ahead online using their website. I have been a good paying customer and continue to do so with this company. During the month of XXXX I was notified by XXXX XXXX through their XXXX product that I was going to have a late reported on my credit to my surprise. I looked up the item on the XXXX product and found that it was the 5/3rd auto loan I had on my truck. During this time I received no calls, no statements, no letters, no communication at all from 5/3rd bank causing this to go by with no notice. From working at a banking institution this lack of communication is against federal regulations and resulting in damaging customer financial well being. As soon as I found out I immediately paid 3 months of payments and paid my account ahead again. Due to the lack of communication from this bank this has now damaged my credit causing it to go down to XXXX!!!! I then called the bank and they were also shocked that no communication was turned on from my account. I have had this loan since XX/XX/2016. I am asking that this late be removed from my credit and get my FICO back to good standing.
|
| 11/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
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I received a phone call from XXXX on XX/XX/2021. The lady said her name was XXXX and calling from XXXX XXXX in regards to a debt they claimed I had with a bank I closed my account with over 8 years ago. She repeatedly interrupted me claimed they were going to contact the local police. They were going to have a judge hold me in contempt, serve me with some kind of papers, close my current bank accounts and restrict me from having any bank accounts in the future. After going back and forth trying to speak and get information to be sent to me she just kept interrupting me before she hung up on me. I called the local police department they asked me some questions. Asked if I could try and call them back to get the full name of the company. When I did somehow the same lady answered and said they were going to call the police for harassment to a business. Refused to give me the name of the company or any other I formation. Then today XX/XX/2021 the same lady called my girfriends phone threatening her the same way. Refusing to shut up so my girlfriend could talk. Basically the same things that happened to me the day before. I called the local police station again only to be told there is really nothing they can do..
|
| 10/23/2023 |
Yes |
- Prepaid card
- General-purpose prepaid card
|
|
|
Web |
Older American |
|
I underwent XXXX in XX/XX/2023. Received bill from my physician and paid full amount. Discovered that physicians office submitted to wrong insurance provider so no insurance paid. We provided corrected information, they submitted for and received insurance payment.
We were due a refund of {$1000.00}.
We received a PrePaid Debit Card in that amount issued by Fifth Third Bank.
We did not authorize creation of that prepaid card and expected our refund in the form of a check. Since the funds are held in an account that I did not authorize, nor can I fully control use of the funds in that account. This is a blatant abuse of power and misuse of my funds.
The bank and the physicians office appear to be the ones benefiting from this arrangement. They are earning interest on my funds while I can not access and put those funds to use to earn interest for myself.
The physicians office is XXXX XXXX XXXX ; the physician is XXXX XXXX. I've contacted them directly and asked for a refund in the form of a check and was told NO.
I will be contacting the State of Washington Attorney Generals ' office as well If you need additional information please contact me and I will be happy to provide anything you might need.
|
| 10/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
5/3 Bank did not reverse fraudulent charges.
Fraudulent charges were not reversed for my son 's checking account after his card was stolen. Instead of resolving the issue they have sent the balance to collections. I have requested information regarding this account per their instructions and have not received any information at all. I was told that all information would be handled through the dispute email but never received a response and was never contacted back about the issue. Now instead of working to resolve the issue they have damaged my son 's credit score by sending this to collections without ever once contacting us to resolve it.
So we were a victim first of malicious activity and then instead of helping us the bank made it worse for us by refusing to investigate the fraud properly.
My son had {$230.00} in his account and after fraudulent activity they said he owes them {$4200.00}.
Also it is unclear how every time i deposit a check into an account it is held for some time but when a fraudulent check is deposited into an account from an ATM for {$4500.00} it is not held at all and then the thief made purchases at 4 different XXXX in the same day for {$900.00} plus a {$500.00} ATM withdraw.
|
| 10/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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MY COUSIN GOT A VOICEMAIL FROM AN UNKNOWN NUMBER HE DIDN'T ANSWER. A GIRL LEFT A VOICEMAIL VERY THREATENING. SHE SAID ON THE VOICEMAIL, I WAS GOING TO GET SERVED SOME DOCUMENTS BETWEEN 3 AND 5 AND IF I DON'T ANSWER THE DOOR, THEY WILL GO TO MY JOB AND SERVED ME THERE. THAT THE MATTER IS LEGAL AND I NEED TO ACT NOW. I CALLED AND TALK TO A GIRL AT XXXX XXXX WHO MADE ME DO PAYMENT PLAN OR ELSE I WILL HAVE TO GO TO COURT AND SO ON. I CONTACTED FIFTH THIRD BANK TO ASK FOR DETAILS AND THEY REFUSED TO PROVIDE ME W/DETAILS AS I COULDN'T REMEMBER AN ADDRESS FROM 10 YEARS GO,. THEY REFUSED TO TALK TO ME WHEN I GAVE THEM MY SOCIAL SECURITY NUMBER.
I FELT VERY THREATEN BY THE VOICEMAIL AND HOW THEY ARE HANDLING BUSINESS. I FEEL NERVOUS AND SCARED THAT IT COULD BE A SCAM OR FRAUD.
SO XXXX XXXX IS SERVICING FOR FIFTH THIRD BANK.
TO MY UNDERSTANDING, BUT EITHER OF THEM HAVEN'T LEGALLY SEND ME A LETTER THAT I HAVE A DEBT.
THAT DEBT THEY CLAIM I OWE, IS NOT ON MY CREDIT OR ANYWHERE. I NEED HELP. THIS VOICEMAIL WAS LEFT ON A THIRD PARTY PHONE NUMBER AND THAT IS AGAINST THE FDCPA. ALL THIS IS AFFECTING ME MENTALLY.
I PAID XXXX TO PREVENT ANY ISSUES.
MY NAME IS : XXXX XXXX PHONE NUMBER XXXX LAST XXXX OF MY SOCIAL XXXX
|
| 09/21/2016 |
Yes |
|
|
|
Web |
|
|
On XX/XX/2016, I applied for a new credit card account with Fifth Third Bank. On the initial application, I indicated XXXX existing financial accounts to be considered for balance transfers. I would only do a balance transfer if I received a high enough credit limit and the online application would not advance to the following page without putting something in the balance transfer space. The credit limit that I received was only {$3400.00} which was not enough to do a balance transfer as well as use the card for purchases. I called Fifth Third Bank to cancel the balance transfers and subsequently received 2 letters confirming cancellation of the balance transfers.
On XX/XX/2016, I attempted to use the Fifth Third Bank credit card however the transaction could not be processed. I called the bank and was told that my account was in the negative due to the XXXX balance transfers. I also asked to have the balance transfers reversed and was told that this could happen due to payoff checks having gone to the XXXX accounts.
Now, my account is in the negative, my credit utilization rate more than XXXX % and a brand new credit card has been maxed out. These balance transfers took place without my authorization.
|
| 09/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I opened a checking account in fifth third bank with a bonus offer of XXXX dollars. I finished all requirements to get the bonus but I did n't obtain the bonus because of XXXX occurrence of overdraft of my account. However, the reason why it happened is not my fault at all. The banker failed to code me as a student in the system, as they said, so that I was charged monthly fee at that time and the negative balance shown on my account. Then they regarded me as a bad account and refused to give me the bonus. The weird thing is that, for the first month I opened my account, the monthly fee was not charged on my account because they successfully coded me as a student. When I finished everything they required to get the bonus after the first month I opened my account, I was charged that mostly fee so that I was not qualified to get the bonus. What a trick! I should get that XXXX dollars bonus. All information can be obtained from my statements. You can also find the reversed monthly fee which means they gave me monthly fee back after I asked them. What they said to me about the bonus is that even though I was qualified and this was not my fault, they could not change anything in their system regard to this.
|
| 02/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Fifth third will not work with me on catching up an auto loan payment that was in default due to me being out of work. They would not supply me with any information regarding an outstanding balance. Furthermore, they told me to surrender the vehicle or pay XXXX to keep it. I be level the bad press they are receiving regarding the discriminatory practices with borrower percentage rates, is why they chose to treat me this way. As an XXXX borrower, I believe it 's easier to rid the loan before paying out if es for their deceptive practices. I am fully willing to pay the default payments, but I was told I ca n't and I should rid myself of the vehicle, or face them embarrassing me with friends and family. I was told this per a call to the bank and being transferred to collections on Friday, XXXX XXXX, 2016. I should not be threatened or intimidated for trying to do the right thing. These practices should not be allowed in addition to a discriminatory practice of auto markup. It 's ridiculous that they pay restitution, but find other ways to be discriminatory. Threatening embarassment and refusing to provide information, as potentially required by reposession laws, is not only disgusting, but surely illegal.
|
| 06/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
Fifth third bank has a non profit account in which I was assured would not have service fees as it is a non-profit account for XXXX XXXX XXXX XXXX. This account was to never have service fees for any reason per the sales person at XXXX. Starting XXXX of XXXX this account starting accruing a service fee of {$25.00} a month. This was not discovered until a non sufficient notice-because of service fees-was sent. Upon making the bank aware of this they reimbursed only 5 service fees of 20 that should have been returned. The response from the bank was that they could only go back 5 months. No reason only could go back 5 months. 2 branch managers and 2 customer service agents would not provide any more feedback or any other reasons for the service fees other than a code showing service fees dropped in error. This is an account for a non profit involving high school students and because of covid this account sat. There was no one checking the account-why would we there was no service fees, right? I have been working with XXXX XXXX XXXX and he has been " helped '' by his manager XXXX XXXX, XXXX. Phone XXXX. I have attached the statement showing the start of the fees and the statement showing only 5 returned.
|
| 10/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX, our home was totally destroyed by Hurricane Michael. My wife and I have a home loan mortgage through Fifth Third Bank in XXXX, Ohio. We called Fifth Third Bank on 3 occasions since XX/XX/XXXX, the last time being today ( XX/XX/XXXX ), and requested that they suspend our mortgage payments and interest accumulation until our flood and wind insurance on the home settle our claims and pay off the mortgage loan in full. We do not know how long this will take, but those claims are being processed currently. Fifth Third Bank has only offered us a 90 day Forbearance Period, wherein if we do not make our payments, they will not report us to the 3 credit bureaus. They have refused to stop the interest accumulation on the loan. Since this has been declared a national catastrophic event, we feel they should have a little more compassion for any of their clients who just lost their primary residence ( we had recently claimed XXXX on this property ), and stop the interest accumulation on the loan. I am a XXXX veteran and this is creating even more of a financial hardship on us. We begged them to work with us, but got no results. Any assistance you can give us, would be greatly appreciated! Thank you!
|
| 09/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
I unexpectedly lost my job in XXXX and I contacted Fifth Third Bank in XXXX to discuss mortgage relief options.
I requested mortgage relief assistance on XX/XX/2023 from FifthThirdBank I called the phone number and was told to apply online.
I uploaded the form online and my mortgage relief application was closed on XX/XX/XXXX No one contacted me or told me why it was closed or what additional information is needed to continue with the mortgage relief assistance program.
I contacted the support via messaging and they told me that I had never applied and there is no application open and that I need to apply again.
I called the support phone number again they said the same thing that I had never applied and no application is pending and then proceeded to give me circular answers that I need to call and check on it while the application is open. There is no record of alerts, messages or any information regarding my application status, it was closed without any notes or details.
None of this makes sense, I am not being provided with proper guidance or assistance and from my perspective they are closing my application, not telling me why and not providing assistance during the application process.
|
| 02/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
Opened Truly Simple Carg Fifth Third Bank. Reported Fraud of {$400.00} in charges, closed account XX/XX/2019. They sent a new card which I did not activate. Checked with Bank and was told at branch in XXXX, Michigan card was closed do you fraud. Bank opened second card without my activation and continued to charge late & interest fees totaling XXXX. Called Bank and they could not find dispute claim #. Bank sent me letter if I paid & XXXX dollars they would close all outstanding amounts and close card. I was so frustrated spending hours on the phone being transferred from one department to another, to no resolution : I paid the {$400.00}, to stop the XXXX it was causing me ( on XXXX for XXXX ). Now I have a terrible credit score regardless of owning my SUV, house on XXXX XXXX, pay electric, gas, cable, taxes on time! Im retired from teaching now and am XXXX yrs old on XXXX and fixed income that I have budgeted. Im in the process of paying off two credit cards {$300.00} each a month which only {$140.00} goes towards balance. I want to consolidate and transfer for lower interest so I can pay off the XXXX>< as soon as possible. This is causing financial hardship to me since Im a very low monthly income!
|
| 12/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage was sold to Fifth Third Bank and from the beginning we experienced billing related issues. Our mortgage payment has been and is alway auto-drafted from our account each month. We paid our XXXX bill of XXXX in full and on time on XXXX XXXX. The payment was never applied correctly to our account. Now the XXXX payment has been mailed back to us? We are not sure why. We have spoken with someone every week and nothing has changed. " XXXX and XXXX '' have both assured us that something that will be done about it via a " task '' system. XXXX XXXX follow up XXXX nothing change, XXXX XXXX follow up with XXXX, nothing done, XXXX XXXX follow up with XXXX, nothing done. XXXX XXXX we had a very disturbing call from their collections department about non-payment for our mortgage.
We were assured there would be no effect on our credit, yet checking our credit report it has been reported as late payments. We are in the process of attempting to purchase another home and have been warned that this will effect our rate unless resolved.
After again calling on XXXX XXXX " XXXX '' has assured us that something will be done but after all we have been through we desperately need help in resolving this matter.
|
| 05/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I accepted a balance transfer offer from this Fifth Third Bank credit card on XXXX XXXX XXXX Terms of the balance transfer were for a 5 % balance transfer fee, which amounted to {$950.00} on a {$19000.00} balance transfer. The offer was for 0 % interest on the balance transfer through XXXX XXXX XXXX
My second bill showed a {$15.00} interest charge on the fee portion of the balance transfer, which was deemed a " purchase. '' But this was not a purchase, it was a fee charged by the bank for the balance transfer. When I complained, the fee was waived. My third bill came back with a {$14.00} interest charge, at which point, a representative said the interest charge could not be waived. After escalating, that fee too was waived, but it's clear that Fifth Third intends to keep charging interest on the remaining fee portion for as long as it takes to pay off the balance transfer.
The balance transfer fee is not a purchase, and should not be subject to the card 's purchase interest rate. No other credit card provider that offers balance transfers attempts this fraudulent practice. As it appears Fifth Third is steadfast in trying to charge interest on the balance transfer fee, I am filing this complaint.
|
| 03/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
The original amount of the purchase was XXXX. The merchant took and additional amount of XXXX out of account that was never authorized or use to purchase anything. Tried to contact the merchant via email no number listed unsuccessfully ( phony web site ) contacted both 5/3 bank and XXXX. Advised them I had one UN AUTHORIZED transaction for XXXX that I had no ideal. Advised I would also like to dispute a charge for XXXX believe to be a scam because additional money XXXX that I did not authorized came out.
Both the bank and XXXX Denied my dispute because the merchant provided tracking numbers to say it was Delivered.
However In contacting the USPS it was not delivered TO MY ADDRESS, but an undisclosed location. I have Never received anything from this company, and they took money out that was Never authorized, and have not been able to contact them. My bank and XXXX denied my dispute because of tracking numbers that said it was delivered EVEN THO IT WAS NEVER DELIVERED TO ME OR MY ADDRESS.
How can I get my bank or XXXX to do a CHARGEBACK to the merchant. I have been a customer with both for over 30 years, and they refuse to assist me in any way.
5/3 bank XXXX Merchant : XXXX ( no email or phone )
|
| 08/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have an auto installment loan with Fifth Third Bank in XXXX, Ohio, which is due on the XXXX of each month. I ALWAYS pay this payment on the XXXX of each month. I have never once made a late payment on this account. Additionally, I have two separate credit cards which have bills due on the XXXX of each month also, whose mailing addresses are also in XXXX. Miraculously, the checks for these bills are always cashed on time ( before the XXXX ) and always make it to their destination within three or four days, but inexplicablythe payment for Fifth Third often does n't. Is it possible the U.S. Postal system takes extra long to get to Fifth Third in the SAME CITY as my other two payments sent at the same time? I do n't think so ...
Four or five times this year alone, Fifth Third Bank has changed me late fees in the amount of {$83.00} each time. Not only is that an outrageous amount for a late fee, my payment were NOT late!
Fifth Third has a habit of doing this. There are even a few Internet websites and blogs dedicated to consumer complaints about Fifth Third Bank. Their over-charging and erroneous assessment of late fees is a major complaint. Please feel free to look yourself ( see attached documents ).
|
| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have an auto loan with fifth third bank. I've consistently paid my bill, and set up autopay so that I didn't have to remember to manually pay the bill each month.
For my bill that was due on XX/XX/2023, the autopay did not process. This led to be missing a payment, hurting my previously excellent credit score, and causing additional fees.
I
called and requested additional information as was told that they didn't know why the autopay didn't process and that nobody in the company would be able to tell me that information. I asked that the credit issue be removed as it was due to an error which they said they could not do. When I mentioned that I would be filing a complaint they offered to waive the fees, but maintained that they would not remove the credit issue. I asked to speak to someone at a higher level and was told I would receive a call in the future. The call never came. I eventually paid off the balance due because I didn't want to be 60 days in default, and at that point also had to pay the late fees. I can only wonder if the company is intentionally cutting off their autopay in order to create additional fees for customers. I simply would like this black mark removed from my credit.
|
| 08/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
Dear sirs, Please find attached below fraudulent transactions from XXXX XXXX XXXX XXXX. Fifth third bank is not resolving this issue. I am a XXXX XXXX XXXX XXXX XXXX. All my retirement money gone. This company never worked with me as I was living XXXX in my native country. I checked my account in XXXX and got to know these fraudulent transactions and my account wiped off.
Full list of disputed transactions are as below : - YEAR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regards.
XXXX XXXX & XXXX XXXX
|
| 10/18/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
Hello, XXXX release - payoff letter from Fifth Third bank My husband and I took out a loan in XXXX with XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX failed, XXXX XXXX assumed then Fifth Third Bank took over. Our loan was due in XXXX. We have never received pay off paperwork from them. For over a month now I have been trying to get a pay off - lien release anything from this bank to close on the parking spot as a developer came in and bought the entire building. My funds are currently being held in escrow until documentation is received. We are calling fifth third bank with a different representative each time saying someone will get back to us to no avail after a month of calls and a fax. The law firm and new buyer are waiting on this document. We are needing help. No one at the fifth third bank or a local supervisor in the bank know what to do. Since the loan is over 7 years they keep telling me 5 days but this is over a month.
We are not customers of Fifth Third Bank but due to them assuming the loans from the failed bank XXXX XXXX XXXX it falls under their jurisdiction.
Can someone please help us get this payoff release so we can close out on this bulk sale.
Thank you XXXX XXXX XXXX XXXX XXXX
|
| 03/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Despite having my PMI insurance removed by bringing my LTV below 80 % of the purchase price and receiving a later stating it has been removed, I have been charged PMI subsequently. On XX/XX/XXXX I went to the branch on XXXX in XXXX and gave a manager, XXXX (? ) a check for {$4200.00} to be applied to the principal. Despite explaining that it was for principal ( I had made my payment that month already ) and writing on the check " for principal '', the bank only applied {$2400.00} towards principal and the remaining {$1700.00} towards the mortgage. I only found this out after I was rejected to have the PMI removed because the principal amount was n't at the required threshold. After numerous back and forth with XXXX in Escrow the payment was eventually reversed and applied toward principal. I had to re-submit my request for the PMI to be dropped and I had both verbal communication from XXXX and written that " your PMI has been cancelled '' and you are no longer responsible for any further PMI premiums.
I thought this matter was settled until I looked at my account summary online and saw that escrow disbursed {$180.00} on XX/XX/2017 and XX/XX/2017 {$370.00} both with an effective date of XX/XX/2017.
|
| 06/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
A fraudulent charge for {$410.00} was made on my credit card account on XX/XX/19 while the card was in my possession. I disputed the charge immediately with the credit card company, 5/3 Bank and a fraud case was opened.
The first response to the fraud investigation was a letter dated XX/XX/XXXX and received on XXXX requesting additional information to substantiate the fraud claim. I called the company to understand what evidence would be beneficial and was told an XXXX would be calling to discuss. No call was received. I received ( on XXXX ) a letter dated XXXX indicating that the claim had been denied and the charge was not fraudulent. I immediately called the credit card company whose customer service representative indicated I should request the case be reopened. I did so via email on XXXX and included phone records showing my geographic location was over 200 miles away when the charge was made.
I have since followed up with the vendor via phone calls on XXXX, XXXX, XXXX and XXXX only to be told in the final call that the transaction was too old to take any further action. Each time i spoke to customer service representative who assured me that a call from a fraud investigator would follow.
|
| 04/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I received my student loan refund checks on Friday, XX/XX/2023 in the mail. I went the same day inside the branch to deposit them into my account just to have my account frozen and locked. I was flagged by the fraud department and contacted them this morning on XX/XX/2023 and was told to go back into the branch to take the stubs from my checks, the deposit receipt I received and the envelopes them came in. I took them back as instructed, all the while being told that if the checks that I received couldnt be verified FROM THE UNITED STATES DEPARTMENT OF TREASURY mind you, my account would just be closed with no explanation. I have gone through this with Fifth Third before and the ridiculous overdrafts they charge me as well. I just want my funds released and the hold taken off so I can pay my bills and go on with life. They claim to be doing an investigation and I should hear from them in 24-48 for a decision. I feel that this is highly illegal honestly. Fifth Third Bank needs to be investigated and a class action lawsuit needs to filed against them honestly because this is pathetic. Especially when legally a check from the treasury is supposed to be available the next business day when deposited.
|
| 03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/2018, I incurred a charge on my credit card for {$6.00}, which was initiated by 5th/3rd Bank ( not me ). I never received a formal letter or statement on this charge and was subsequently charged late fees of {$84.00} on this {$6.00} charge. During this same period, my 5th/3rd checking account had a balance of {$60000.00}. As soon as I became aware of the balance due of {$90.00}, I paid that amount immediately. The late pay of the {$6.00} and subsequent late fees charged in successive months show up as separate instances of late payments and these are the only derogatory item on my credit report. I have attempted to have these derogatory items removed from my credit report by contacting the credit reporting company and contacting 5th/3rd bank. the bank will not allow me to dispute these credit reporting items.
I contend that I was not adequately notified of these charges, as I had the money to pay the original {$6.00} in my checking account ( balance of {$60000.00} ) and could have easily transferred the money to pay this credit card balance. Additionally, the late fees of {$20.00} per month and the reporting of these late fees as separate charges to the credit bureau is inappropriate.
|
| 02/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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I purchased a rental car on XXXX for a rental car with XXXXXXXX XXXX XXXX in XXXX, FL. When i returned the rental car i was overcharged for the rental car due to a mistake they made on their end. I talked to a manager she corrected the issue signed the receipt as proof. The extra charges were credited back to me and then months later they recharged my card. The first time my bank ( Fifth Third ) blocked the charge but when they tried a second time the charge went through. I put a dispute in with Fifth Third Bank but found out later that the person who set up the dispute set it up wrong and noted that the charge was a duplicate charge. Because they put the information in wrong about the charge being a duplicate charge they refused to dispute the charges. I contacted them again about it and found out they had two different claims open about the same incident. They opened up a new appeal on the claim but now they are saying that the charge can not be disputed because they received notice of the dispute more than 60 days after the the transaction. This is not true. Also i had a previous complaint with another claim where they seem to not find out the billing error even with all the proof available.
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| 07/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Deed of Trust ( Page 5, Funds for Escrow Items ) nowhere mentions that Original LTV ( not LTV ) must me < 80 % for closing escrow account ( attaching FYI ).
My property LTV < 80 % : -as per XXXX county appraisal ( for 2019 Property tax ) - Mortgage appraisal done by you for which I paid out of pocket The purpose of paying {$600.00} for mortgage company 's appraisal recently was to get away from escrow account, so I can pay single payment for my property taxes every year. You are contradicting your own letter where you were telling that escrow account can be closed if LTV < 80 % ( not original LTV, attached 53LTVLetter document FYI ).
If your argument of original LTV ( not LTV ) < 80 % for closing escrow account is correct, please provide me document evidence i.e copy of escrow account disclosure. I requested for a copy of my escrow account disclosure that I signed or initialed at time of closing however even after 3 months I haven't received it neither my escrow account closed. As a customer I tried to reach them multiple times ( even tried to reach XXXX XXXX who's working on this case since 3 months ) and requested for escrow account disclosure but they never sent me a copy.
Thanks, XXXX.
|
| 05/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
My computer was hacked by a company called XXXX XXXX XXXX , by a man named XXXX XXXX . He then sucked me into a banking scam that resulted in him ( and/or his company ) transferring a cash withdrawal fro m one of my Fifth Third cre dit cards in the amount of {$7000.00 } ( one tr ansfer for {$2000.00} and a second transfer for {$5000.00} ) into my checking account and then stole it. I filed a complain with the Fifth Third fr aud department but got a letter back from them saying they had " conclusive evidence that I had made the cash advance '' and that they only investigate internal fraud, not anything external. This came after I tried explaining the the gentleman from the Fifth Third fraud dept. what had happened, but he told me he had enough information and they " would bet back with me ''. I assumed that meant they would get in touch with me for a more detailed explanation of what happened and how I got scammed, but it did not. They simply made their decision based on partial information and did not seem concerned with the entire story. I have since reported my fraud complaint to the FBI Internet Crime Complaint Center ( IC3 ), but have not heard anything back from them yet.
|
| 12/05/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
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On XX/XX/2022, I made a wire transfer From 5/3 Bank located at XXXX XXXX XXXX, XXXX, TN XXXX to XXXX with an amount of {$4700.00} to another bank in XXXX. For some reason the wire went and they didn't recognize the receiver, I requested my wire amount to be returned from my Bank 5/3 bank. They approved the return request beginning of XX/XX/2022. Right now, they can't get me the fund back, they keep saying they lost the money and kept saying they are communicating with the other bank in XXXX and can't find the money, they can't do their due diligence and they are intentionally don't request the money from the other bank, 5/3 bank also refused to give me their internal communication messages to prove if they already asked the bank in XXXX for my Money, I called the other bank in XXXX and they have no idea about the money and have no request from 5/3 bank. the amount has been as negative in my saving account for 2 month, it affects my budget and my family expenses, simply I need the money that my bank approved to return it two month ago, the bank manager is XXXX XXXX XXXX and her email XXXX. the teller who made the transaction is XXXX XXXX.
my account is Saving account and my name is XXXX XXXX
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| 10/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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Signed up for forbearance program In XXXX due to the corona virus pandemic.
Wanted to keep up with my escrow payments so that I would not owe as much in the end, so I made 2 payments for 3 months of escrow payments each time. They neglected to apply the money I paid to my escrow as I requested and proceeded to XXXX up my whole account. I spent 4 1/2 hours on the phone with them on XX/XX/15 and after speaking to 4 different people in different departments they assured me my problem was rectified so I paid my remaining balance of 6 months of principle and interest. Now in XXXX after making my payment they told me I was 3 months behind in my payments. This is not true so I tried to explain to them what and when I had payed only to have to spend XXXX more hours on the phone and having to speak to 5 different people. I feel it is unfair that they were so negligent in dealing with my account and I fear it may now effect my credit! I have requested them to call me back when they straighten out my account and to send me a letter of apology in case my credit were to be effected. They never called me back and said they would not send me the documentation I requested to verify this was not my mistake.
|
| 08/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
My mortgage was recently acquired by Fifth Third Bank.
I set up my online account to make mortgage payments.
The online system showed my next payment due XX/XX/2022.
On XX/XX/XXXX I made a payment of {$2600.00} ( {$850.00} principal, {$1300.00} interest, {$400.00} escrow ) and it was designated a " regular monthly payment '' on the Fifth Third website.
I also made an additional principal payment of {$380.00}.
On XX/XX/XXXX I logged in to see the " system '' applied my entire payment to principal, and I still have a payment due XX/XX/2022.
I contacted customer service via chat who said " The trouble is because your payment is already paid for XXXX, so there is no bill due at this time, since XXXX 's due date isn't anywhere close. '' I paid a payment 4 weeks in advance. 4 weeks. This bank is clearly fraudulently applying payments to their benefit if customers can't apply simple payments 4 weeks in advance! Not only that, but their " system '' I used designated this a " regular monthly payment '' - so why didn't the " system '' apply this correctly?
I am not going to argue with them each month when I make a payment. Some of us stay on top of our bills. We should not be punished for it.
|
| 08/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I am selling my home Fifth Third bank had been contacted to verify the payoff balance and to verify the account. A flag was set internally with them. I have been paying my mortgage by auto transfer thru XXXX XXXX XXXX for years on the XXXX of every month. When they found out the account will be closed, they attempted to get one months extra interest by claiming the auto payment made on the XXXX for XXXX was not received. Their collections dept called saying I was delinquent claiming the payment was not received and took my bank accounts routing number and account number for a payment over the phone. I verified with XXXX XXXX XXXX that it was after that call was completed. I call back Fifth Third bank asking to refund the 2nd payment and explained that they 'd posted the 1st payment from my account and that they were wrong about the delinquent account. They refused and said they would just credit the 2nd payment toward the XXXX payment. The account will be closed before XXXX. XXXX XXXX XXXX said they ca n't do anything because the transaction had already been processed. You can see on the attached bank statement the withdrawal for {$900.00} on the XXXX and the XXXX for {$920.00} on the XXXX.
|
| 12/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
When I pay my mortgage online I am given three options : 1 ) Pay full payment 2 ) Other amount 3 ) Pay toward principal I wanted to pay biweekly using the Other Amount option, but I received the run-around. My payments appeared as Unapplied Credits in my account. I assumed this would resolve itself, however, I later received a letter from my bank ( Fifth Third ), and I quote : " Our records show that we received a payment from you. However, because this amount is different than your regular monthly payment, we are unsure what to do with these funds. '' This situation worsened when I received a check in the mail for one of my partial payments. At this point I called the bank ( Fifth Third ) to sort things out. I was assured that when I resubmitted the returned payment, my missing mortgage payment would be resolved. Instead I received another letter ( as quoted above ), in which the bank was confused as to why I was sending them money.
I called again prior to submitting this complaint. This time I was assured by a bank representative ( Fifth Third ) that my money would be properly applied toward my mortgage payment. I'm submitting this complaint regardless because this SHOULD NEVER HAPPEN.
|
| 09/29/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
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|
I had a flex line ( home equity line of credit ) with 5/3 Bank for {$11000.00}. It had a XXXX balance on it for years. In the fall of XXXX, 5/3 Bank charged an annual fee of {$65.00} to keep the line of credit open. I failed to pay the {$65.00} fee. Then 5/3 Bank placed the {$65.00} annual fee in my line of credit as a balance and charged {$1.00} interest. When the fee was 30 days late, they called me at work and notified me. I authorized payment over the phone or I moved the money from one of my 5/3 Bank accounts to pay the fee immediately in the amount of {$66.00}. In the early part of XXXX, 5/3 Bank reported to the credit bureaus that I was more than 30 days late on a mortgage payment. This report has caused my credit to drop by more than XXXX points. I have contacted 5/3 Branch managers and been told that they can not do anything about this matter. I have contacted the customer care center and spoke to the support manager XXXX, employee id : XXXX.
She told me that the fee is a mortgage payment and therefore has been reported correctly. I believe that the {$65.00} fee is an invoiced item. I do not believe that it is accurate or fair to report the late invoiced item as a mortgage late.
|
| 08/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
FIFTH THIRD BANK ILLEGALLY FORCE-PLACED HOME OWNERS INSURANCE 2 MONTHS BEFORE THE RENEWAL DATE OF MY OLD SLIDE POLICY, DISREGARDING THE FACTS THAT I TOLD THEM I HAD A XXXX XXXX XXXX XXXX CITIZENS XXXX AND IT WAS BETTER AND LESS MONEY AND THAT I WOULD SUBMIT TO FIFTH THIRD WELL BEFORE THE EXPIRATION OF MY OLD SLIDE POLICY. WHICH I DID PERFECTLY ON XX/XX/2023. AGAIN, MY SLIDE POLICY WAS UP ON XX/XX/2023. I HAVE HAD THIS XXXX. WITH FIFTH THIRD BANK FOR 30 YEARS AND HAVE ALWAYS PAID THEM ON TIME IN SPITE OF TAX AND INS. INCREASES. I SUBMITTED BOTH XXXX AND XX/XX/2023 PAYMENTS WITH THE CORRECT AMOUNT THAT I HAD PAID EACH MONTH ALL YEAR. THEY SENT BOTH PAYMENTS BACK SHORTFALL. FIFTH THIRD TOLD ME I DID NOT HAVE TO XX/XX/XXXX AND THAT I NEEDED TO PAY THE RENEWAL OF SLIDE THEY FORCE-PLACED INS. THAT INCREASED MY XXXX AND XXXX PAYMENT {$1000.00}. MORE A MONTH. THIS IS WRONG, I KEPT THEM UPDATED AS I WAS GOING THRU THE DOCUMENTATION OF THE THE NEW HOME OWNER, CITIZENS AND PROFORMED PERFECTLY AND ON TIME WITH THE NEW POLICY. NEVER DID I AUTHORIZE FIFTH THIRD TO DO WHAT THEY DID AND IN FACT NOTIFIED IN ADDITION TO FIFTH THIRD BANK, SLIDE AND THE INS. AGENCY CONNECT TO ME AND SLIDE MULTIPLE TIMES!..
|
| 08/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
In late XX/XX/2022 or XXXX XXXX XXXX my checking account at Fifth Third Bank was hacked and numerous unauthorized withdrawals were made. The fraudulent acts included multiple XXXX transactions ( {$1000.00} ), foreign money transfers ( {$5200.00} ), XXXX payments ( {$900.00} ), and other online transfers ( {$3800.00} ) until my account was depleted.
I contacted the bank in late XX/XX/2022 when i became aware of the situation and reported in person all fraudulent activity that had occurred. To date, only a portion of the funds from the fraudulent transaction has been returned to me with the {$900.00} XXXX and {$3800.00} other online transfers denied without specific reason or cause. The reasons for denial from Fifth Third Bank include " we've determined the transaction is valid '' and " our research confirms that the transaction was valid.
My contacts with the bank to trying to settle the matter included in-person visits to my local Fifth Third branch, telephone calls to the Fifth Third Fraud Department and Multiple letters to the Fifth Third Disputes Department requesting return of funds from the fraudulent acts. I also filed a police report with my local department in XXXXXXXX XXXX
|
| 08/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I'm disputing transactions that were done on my 2 savings accounts and checking accounts. It appears that my accounts were hacked from XXXX. Money was transferred and XXXX out to different people/ organizations. Also about XXXX was spent at XXXX XXXX These transfers and transactions are totaling XXXX. I have been disputing with fifth third since XX/XX/XXXX and have appealed it 2 times and was denied again. As they are saying because my card has a chip, I authorized all of this. I absolutely did not.
There were transfers from my savings to my checking accounts and then sent via XXXX XXXX ( which I don't have that app as of 3 years ago ) and send through XXXX XXXX transfers from savings to checking for XXXX, XXXX, XXXX XX/XX/XXXX a XXXX transfer for XXXX and XXXX XXXX transfers from XXXX account to another and then sent out for the amounts of XXXX XXXX ( XXXX ) XXXX XXXX More XXXX sent in the amount of XXXX ( XXXX ) XXXX XXXX XXXX transfers from savings account to checking then sent out XXXX transfers from my savings to checking XXXX transfers from savings to checking This was all transferred and sent to different people and organizations either via XXXX, XXXX XXXX XXXX purchase made.
|
| 04/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I got a letter from the president of the bank vice president and then things were rectified and I no longer hold the money that they said I over then when I used my refunded money back they didn't clear out all the overdraft fees and left like a {$34.00} or some small fee on my checking account it began to grow and swell to {$57.00} or more I don't like tactics like this and I want to close my account and I feel like I'm being charged with an undisclosed hidden fee for closing my account I got a letter from XXXX XXXX Senior vice president XX/XX/XXXX XX/XX/XXXX I'm sorry 2020 I was giving a credit of XXXX on account ending XXXX yet the resolution transaction dispute good newsletter case was approved became an additional hidden about that led to an overdraft fee right now which is the subject of this complaining the reason why I'm closing my my checking account asking to waving the {$54.00} that you're charging my account under the rest you're running my business away and that is why I've contacted you to end our relationship it's unfortunate but you know I can't keep looking over my shoulders for hidden fees and cost address of communication with some XXXX XXXX lady that I do not know
|
| 04/24/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Order of events:1 ) I was notified of Bank Branch closing ; I recognized no other branch was convenient.
2 ) I entered Branch and asked to have my accounts closed immediately ; They stated completed.
3 ) Fast forward to yesterday. Attempted to add my name to newly married wife 's bank account in a different state ; Told by bank that I owed money on old XXXX bank account due to auto pay against the account after my closure of it ...
4 ) I was willing to pay the amount though I should not have to. They say account debt sold to XXXX XXXX.
5 ) XXXX XXXX states 5/3 bank took back debt on XX/XX/2014.
6 ) XXXX Bank says no such debt for me to pay them but refuse to do a document to me stating I owe them nothing. They state it is with XXXX XXXX now and XXXX Bank.
7 ) Called and transferred around XXXX Bank about XXXX times including hangups with XXXX resolution from anyone including supervisors.
8 ) Basically I now have an outstanding debt of $ XXXX to be paid to??? no one but it is a negative on my record that it is impossible for me to resolve.
I would like to have this cleared from XXXX XXXX as no one can tell me who I owe this money to. XXXX XXXX swears that I owe them XXXX ....
|
| 04/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
Hello, I wanted to report a fraudulent international transaction that was done using my XXXX account.
Parties involved here : XXXX ( an international money transfer service ) My bank : Fifth Third Bank.
Today morning, at around XXXX CDT I noticed a transaction of {$2000.00} that was done.
Recipient was an Individual in XXXX holding a bank account with XXXX bank.
Please note : this transaction was not done by me.
Action taken from my side : 1. Contacted XXXX and informed them about this transaction.
2. Emailed my bank about this transaction.
3. Filed a report at identitytheft.gov Action taken by XXXX : 1. Deleted my payment method ( debit card ) 2. Cancelled another fraudulent transaction.
3. Suspended my account.
Action taken by my bank : As of writing this complaint, I don't know what action has been taken.
Action taken by me : I did call my banks customer service and they provided me with another phone number which belongs to fraud/disputes department.
I called fraud/disputes department of my bank but no response. My call was placed on hold for a long time.
I have sent an email to my bank along with the dispute letter provided by identitytheft.gov Thanks, XXXX
|
| 07/14/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
In association with the following cases : cfpb : XXXX ; XXXX ; Legacy # XXXX, against 53 XXXX, 53 Bank ( subsidiary ), Board of Directors of 53 XXXX, Executive Officers of XXXX, Pay Other People website aka XXXX Online Bill Pay Funds and 53 Bank XXXX XXXX. I made necessary corrections in what was sent to you on XXXX/XXXX/XXXX. I have angst and a loss of confidence. I know about meeting elements in a cause of action. I failed to do so because I am under extreme duress and financial deprivations. Today, XXXX/XXXX/XXXX, I mailed to XXXX XXXX, Office of the President of XXXX Bank, and cfpb the COMPLAINANT 'S REPLY AND EXHIBITS AND MEMORANDUM OF LAW TO THE REPLY, AND THE COMPLAINT XXXX XXXX, XXXX AND EXHIBITS. My postage was {$1.00} more. XXXX {$7.00} and cfpb {$2.00} for $ XXXX $ XXXX {$1.00}. I made the adjustments to the REPLY. I also highlighted three important elements that I was not specific about in previous documents. Thank you for the opportunity to make an amended Reply and Memorandum of Law to the Reply, with changes in the cost.
The Complaint XXXX XXXX, XXXX is not on my Flash Drive and I could n't wire it. I did mail a copy and exhibits with the documents mentioned above.
|
| 08/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
For the last 3 months, I have been getting double withdrawals on my mortgage. It was reversed the first two times in 3 days after my calling and straightening out the auto-pay process with the bank. I called within three days this time as I did not get the reversal, and I don't understand why it is still happening. The bank is saying they can not start the process until 4 days after it is posted which would be XXXX.
This is the 3rd time this bank has double-debited my account, and this feels like fraud to me. My bank account empties for days after the double debt, then it takes time to refund me.
It is important to note that this bank does its paperwork by USPS Mail and not electronically. I did not receive their welcome letter when I started my mortgage a year ago and called at that time to work with their advisors - she did not mention auto pay or the welcome letter. In XXXX I opened a case, and they claimed in XXXX.
I don't think anyone would be happy about having an additional {$3200.00} taken out on the 1st of every month unexpectedly. The bank is taking my money for 1 week every month- so they earn the interest, and I do not have the money in my account to pay my bills.
|
| 03/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been contacted by phone by XXXX XXXX XXXX XXXXXXXX indicating they are a courier notifying me of a debt from overdraft fees they state I owe Fifth Third Bank and threatening legal action. I have repeatedly told them I have not held an account with Fifth Third Bank in XXXX years. They stated my account was never closed and that I needed to prove that it was which is to say ridiculous given the amount of time that has past. I have had no correspondence from XXXX XXXX regarding this either. These individuals contacting me had my personal cell phone number which I did not have at the time of the acct those years ago and they had my social security number. I don't know if this is a scam or improper debt collection but I can not possibly be held liable for debt from XXXX years ago that I didn't even know I had. I live in NC. I have filed a complaint with the NC DOJ consumer protection unit but these individuals are calling from out of state. The numbers that they are calling from are XXXX and XXXX. When I asked for proof of debt they sent me emails from docusign. I'm not uploading or signing anything from them. I have requested they cease and desist contacting me regarding this.
|
| 11/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I made a reservation with XXXX XXXX for a trip I had coming up. When I made the purchase, my account was XXXX dollars negative so I was aware that I would get charged one overdraft fee of XXXX for the purchase of the airline ticket, which was fine. I made the purchase and the pending charge was for XXXX. Two days later the charge posted on my account as three separate charges of XXXX each resulting in 3 over draft fees instead of one. I immediately called XXXX and inquired about the charge. They got in contact with XXXX XXXX and both said there was only one charge of XXXX and my bank institution charged it as 3 separate transactions. When I called the bank, I got transferred a total of 7 times explaining the situation over and over and eventually got disconnected. I called back and got transferred another 3 times explaining the situation only to be told that they cant dispute the charge nor can they take the additional over draft fees off. This is the second problem I had with the bank because of overdraft fees that were incurred because of them. I will no longer bank with 5/3 bank nor would I ever recommend anyone to bank with them. Their customer service is very unprofessional.
|
| 11/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXX, XXXX or XXXX, Fifth third bank/XXXX XXXX XXXX had my out repossessed. I was not behind on my payments, nor was I late paying but my auto was repossessed while i was interview for an XXXX XXXX ( XXXX/XXXX ) position with the Commonwealth of Kentucky. This was done without notice or warning. I woke up to go to work and my Auto was missing. This auto was a XXXX. Also I had traded in my XXXX XXXX which had been wrecked with had insurance on it. So not only did they get my Insurance but they were still charging me for the XXXX. I, had already notified the Bank that i was in the process of looking to buy a house or home for me and my XXXX daughters. I won this in Circuit Court but the Bank has not settled for putting this on my credit report as non-payment, which is not the truth. The precedent on this case was because a financial institution claimed the person was behind or did not pay ... so you see the motion was sustained for me. see attached information. The minimum amount is {$500000.00} in Kentucky according to their statues, but the Precedent is substantially more. I am asking them to send me information on the homes/houses they have available plus the {$500000.00}.
|
| 09/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I contacted 5/3 Bank when I became very passed due with my house payments. I sent them a packet of information they requested and was contacted online by XXXX of their processor an XXXX XXXX who became my contact person at 5/3. I became quite concerned with the time it was taking the bank to process paperwork, and I told XXXX that the bank needed to hurry because I was to appear in court over this issue. She told me that since my home was in the process of a possible modification / workup .... that there was no court dates I needed to attend. I repeatedly asked this again and was told no court. My problem was that the lawyer from 5/3 did go to the court date and it appeared that I did n't based on this employee from the bank 's information. At this time the bank then began making decision about my home legally and even sold it in a sheriff sale on XXXX XXXX, even after I was able to get a XXXX settlement conference scheduled from the Judge based on the email issue. While the XXXX settlement conference was continued for my husband 's " Hardest Hit Funds '' to arrive from the federal government, 5/3 when ahead and held and unlawful sale of my home and is now planning an eviction.
|
| 07/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Unable to withdraw the remaining funds from the accounts fifth third closed also there is a discrepancy on the amount.
should be a balance of {$96.00} I was told the balance available is {$75.00} from an agent on Wednesday from " risk management '' he advised me to be able to immediately withdraw the funds I need to visit a branch. and in good faith, I attempt to do that today and they had to make a call to get this " block removed '' teller told me it could be well over an hour to get someone and I'm welcome to come back tomorrow. with is 100 % unreasonable after a 30-minute wait I requested my ID back and contact information for the branch manager since they were currently unavailable. I asked how long am I supposed to wait and I was told we don't know I couldn't even be given an approximate time. I could have waited several hours. it's just unknown. which including all the time I've spent trying to get in contact and to get a resolution has already exceeded several hours now. this has now cost me money with fuel. at this point, I will reach out for legal advice on the illegal holding of my funds. and will be requesting interest to be added on the funds being held from me.
|
| 07/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
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I have a mortgage with XXXX bank out of XXXX, Ohio. I have been trying to pay off the mortgage over the past six months with large payments of {$10000.00} to {$15000.00} as my bank CD 's mature. 53 has repeatedly refused to credit my payments to the principal and kept using part of my payments for forthcoming regular mortgage payments despite my clearly stating on the checks that these payments were solely to reduce the principal only. This resistance to customers trying to pre-pay mortgages is apparently a regular business practice of this bank as other complaints to sites like the XXXX also note they vigorously resist pre-payments. Most recently I made a payment of {$15000.00} via a check which was cashed by them on XX/XX/20 and has cleared my bank and they failed to credit this to my principal or anything else. They first admitted a mistake, but have never fixed it despite repeated written complaints and telephone calls to them. Essentially, as it now stands, the existing circumstances is that they have stolen {$15000.00} from me. I am aware of your pending lawsuit against them for deceptive practices and this kind of act by them seems to fall right into a similar category.
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| 04/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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On XX/XX/19 & XX/XX/19, we requested payoff amounts of the Credit Card for XXXX year old XXXX XXXX. We spoke to a live representative. As XXXX 's POA, I engaged XXXX on the call. We paid off the entire balance and closed the account. XXXX dropped off the call after she was validated by the company. We requested the company change the address as she was moving. They would not do so without her back on the phone. We attempted 3 more times, but experienced excessive hold times ... we were eventually successful to change the address in XX/XX/XXXX. Due to moving and her husband 's XXXX she was forced to move again to an XXXX XXXX.
On XX/XX/XXXX, I received the first forwarded statement for the XX/XX/XXXX time frame and it reflected 4 Mo 's of late fee 's on the {$48.00} Interest payment, that came after the " payoff amount '' was given to us on XX/XX/19.
We spoke to " XXXX '' and then her supervisor " XXXX '' about this situation. They insisted they were not authorized to waive the excessive late charges which amounted to 329 % over 4 months. Despite of us explaining the situation and the challenges we had with customer service, they advised that their system would not help us.
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| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I opened my mortgage with MB Financial, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 Fifth Third Bank bought the mortgages from MB financial. and started to return my payments after a while i realized what is happing that fifth third bank is not accepting my payments. so i got in contact with fifth third bank and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from fifth third bank that its not legal to not notify me that they will not accept this kind of payments i was used to make to MB financial, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of fifth third bank assured me he will take care of it and make sure fifth third bank is reaching out to all 3 credit bureaus to remove the negative marks, till today fifth third bank didn't reach out to the report companies to remove the lates.
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| 05/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX XXXX , XXXX I received a letter from lender, XXXX XXXX that the ownership of my loan was being transferred to XXXX XXXX , but that they would continue to service my loan. On XXXX XXXX , XXXX I received a letter from XXXX that the service of my loan was being transferred from Fifth Third Ba nk effective XXXX , XXXX , XXXX . This letter did give me an address to send in payments, but no Fifth Third Loan number. It is now XXXX XXXX , XXXX and I have yet to have received anything from Fifth Third about their servicing the loan, I reached out to them to get a loan number but I have nothing from them to show that this is the correct number, additionally I went to their web site to try and make the XXXX payment and it did not recognize the loan number I was given. Today I will get in my car and drive XXXX miles each way to try and make the loan payment in person all because Fifth Third did not do their job of servicing my loan in a timely fashion. Clearly, I and other members of the American p ublic have other ways to spend my time then to deal with failure of Fifth Third Bank to do what XXXX XXXX pays them to do.
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| 04/29/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I applied for a Fifth Third Mastercard and was granted a card with a {$7500.00} limit. t 's been a nightmare trying to use the care ever since. Almost every time I try to make a purchase they decline it and shut off my card. The first 5-6 times this happened, I called in and answered some security questions and they reactivated the card. The 7th time it happened they were very rude and told me I had to go into the bank with my id documents and have the documents sent in from the bank. I did so. Once I did that, I called the fraud department back and they assured me that the card would be reactivated and that this kind of block would never happen again. My card was cut off again within 2 days. Then when I called in they kept saying the card was under corporate review. I asked who I could speak to about it and they said nobody. It 's been 6 weeks. I 've received 3 voicemail s from a lady apologizing that she has n't resolved it sooner and says cryptic things such as investigations and companies she needs to speak with. To date the issue has n't been resolved. What 's worse is now I am totally locked out of my account and can not see any information, do an online bill pay, etc.
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| 06/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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my previous complaint was addressing the extreme hold times and how I was not able to activate my replacement debit card or access my account.
" XXXX '' I believe was her name called me approximately 20 minutes after that was submitted and told me she apologized about the experience that was going on with the call center and she is aware of the issues and a " XXXX XXXX '' will be reaching out and calling me to be to get everything resolved and at the very latest that Friday and if I don't hear from him to contact him directly and provided me a number. not only did XXXX not reach out to me via phone he responded to the CFPB complaint and just said we are closing your accounts and I need to visit a branch to get my remaining funds. veery unprofessional and with no real reason why. ( not that they have to have one ) but makes no sense sounds like retaliation to me just because the hold times are unbelievable, who wants or even can wait hours on end to fix a simple issue? anyways I will need the funds from all accounts sent to me in check via mail ASAP along with the last 5 years of statements to be mailed for ALL accounts since my access to get them myself has been restricted.
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| 08/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called Fifth Third Bank in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX ( because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.
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| 05/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX, my wife was laid-off from her job in hospitality, as a result of COVID-19. She was told by her employer that the furlough was indefinite and that, if she was reinstated, her pay would be reduced by 40 %. She was unemployed for 3 months before finding another job. As a result, we requested a mortgage forbearance under the CARES ACT.
Our mortgage lender, Fifth Third Bank, assessed our hardship and offered a 6-month deferment, which was agreed to over the phone. After the 6 months ended, the lender again offered another 6-month extension for our deferment, which again was agreed upon over the phone and officially recorded.
In XX/XX/XXXX, we contacted Fifth Third Bank and agreed verbally to a work-out plan placing the balance at the end of our final pay-out to our loan. As with the first work-out agreement, this was recorded over the phone and purported to be official.
In XX/XX/XXXX, we resumed making our scheduled payments to the lender.
In XX/XX/XXXX, the Fifth Third Bank claimed that our forbearance was " On Hold, '' they were reneging our agreed upon work-out plan, and they were asking for complete payment of deferred payments from the last 7 months.
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| 08/13/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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fifth third Bank has failed to resolve any of the previous complaints in particular recently I've had to just closed out every account with them less to checking account due to the company not responding to the various complaints that have been filed fifth third Bank has refused outright to even file and accept disputing a transaction I had a transaction that was unauthorized because my card was stolen and I believe the total charge was {$22.00} and some change of gas from XXXX gas station when I called into the deceased department in the fraud department I was told that they were disputing the transaction but that is not actually what happened they did not dispute the transaction and I was prompt it to go again and follow a whole nother series an extra steps to dispute the transaction that I had already called in for this is a separate complaint in regard solely to the issue of a {$22.00} charge on my secured card that was not authorized nor did fifth third Bank accept and honor the disputed transaction so after being forced to close the account due to the continued customer service the funds were never released back to me and never honored back as a disputed transaction
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| 08/29/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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5/3 Express Banking - {$500000.00} Available Account Summary Ledger Balance : - {$16.00} Recent Activity View by Statement Keyword Search XX/XX/XXXX XXXX Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$40.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$33.00} XX/XX/XXXX Merchant Payment - XXXX XXXX # XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$30.00} XX/XX/XXXX MERCHANT PAYMENT - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$29.00} XX/XX/XXXX DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXX, FL ON XX/XX/XXXX FROM CARD # : XXXX - {$22.00} XX/XX/XXXX XXXX Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$20.00} XX/XX/XXXX DEBIT CARD PURCHASE AT for XXXX XXXX , XXXX, CA ON XX/XX/XXXX FROM CARD # : XXXX - {$13.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX 's XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$11.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX XXXX , XXXX, Fl On XXXX From Card # : XXXX - {$10.00} XX/XX/XXXX MERCHANT PAYMENT XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$9.00}
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| 11/12/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I have been banking at this bank for over a year and the so called policy for overdrafts is unrealistic. I had an overdraft on XXXX XXXX XXXX, 2020. When it occurred I immediately transferred money for my connected savings account. Now it XXXX XXXX and they are charging me {$37.00} for this overdraft. I contacted Fifth Third to ask for it to be returned. I spoke to a representative and I spoke to a supervisor, by the name of XXXX. She refused to refund the overdraft, even though its been over 6 months since I had an overdraft, I had more than enough in my connected saving demonstrating that I had the money to cover it. I then asked for the XXXX over the supervisor and the supervisor refused to transfer me to a higher level of management. I would like my {$37.00} refunded.
In a separate situation a few weeks ago my direct deposit was late processing and I applied for a signature loan and was denied not for credit but for having overdraft fees. This appears to be away for banks to denote minorities access to loans and other financial products by refusing to take fees off.
I have a direct deposit every week and its $ XXXX and for the bank to keep doing this is shameful.
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| 09/23/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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As of XX/XX/2022 I stopped into local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and spoke with a Personal Banker. About not having online access she saw note on account and called fraud department fraud department informed of closing account reason was not given we were left confused me and banker she later found out due to dispute but mentioned how unusual that is since your dispute positively resolved in XXXX and I said I havent had access to the account since XXXX time all I can see is emails that payroll is still going into my account I want this hold lifted immediately online access restored or I will write to the ethics department board of directors of the bank and the state attorney generals office. Due to restricting me from my account and funds with no reasoning given I was provided no notice to my address whatsoever and no online notice to my email as well.
I seek resolution to resolve this and reverse such a decision on the grounds of no merit and inconclusive findings or I will contact alternative channels and my local news affiliation as well.
For reference account was opened in XXXX FL I seek prompt resolution to my query.
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| 12/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I filed a dispute with 5th 3rd for a purchase I made on XX/XX/XXXX something for {$31.00} to XXXX XXXX They gave me a provisional credit until they investigated. I received a letter in the mail that they were retrieving the credit as the seller provided proof that I received the product. Never did they say let 's discuss further or tried to get my side of the story.
I made a purchase with XXXX XXXX sometime in XXXX. When checking out a used the XXXX XXXX to expedite the check out process. After the payment for the {$31.00} went through, I noticed that it had the wrong address showing. So I looked on the website there's no phone number only an email address. I immediately emailed them, till this day I still haven't received a response back from them.
I waited to see if I would get the package since it was my old address and I had a forward to my new address in place. All it stated that they placed it in the mailbox. I immediately called my old landlord and basically the new tenant refused to give me the package.
I called the post office and put in a claim and they stated that they'll go and retrieve the package they were unsuccessful.
Please see all evidence.
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| 09/28/2017 |
Yes |
- Checking or savings account
- Savings account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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My father was XXXX XXXX, and having a hard time managing his money. I was assigned to be a Financial Guardian for my father. This was a court appointed guardianship. In order to help my father manage his money, a checking and a savings account was opened in his name. I also signed the paperwork, although it was signed as the guardian of my father. The guardianship was later terminated by the courts. More than a year later, the savings account overdrafted. The bank sent the overdrafted account into collections.
My dispute is that this account was opened for my father. The [ senior level ] banker who helped me open the account, was informed of the situation. The banker was aware that this account was to be my fathers account, although I would be managing the account for him. Once the guardianship was terminated, the bank account was still to be for my father, and I was no longer able to manage any funds for him. The account in collections should be against my father only, as this is his account because the guardianship no longer exists.
I have tried explaining this to the bank, and they would not speak with me. They only sent the account to collections against me.
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| 01/13/2017 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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Hello- I had an account at 5/3 bank that was closed on XX/XX/XXXX. Fifth Third is now attempting to collect a debt of XXXX for an " UNRESOLVED CHECKING ACCOUNT '' acct # XXXX. I was part the class action lawsuit against 5/3 for the following.
According to the Fifth Third class action lawsuit, Fifth Third Bank posted debit card transactions and/or ATM withdrawals in non-chronological order so that the bank could maximize the number of overdraft fees it charged to customers who had insufficient funds. Fifth Third Bank denies any wrongdoing, but has agreed to establish a XXXX settlement fund to settle the case, entitled XXXX v. Fifth Third Bank.
If you had a Fifth Third bank account at any time between XX/XX/XXXX and XX/XX/XXXX, and incurred at least one overdraft fee as a result of the " re-sequencing '' of at least one Fifth Third debit card transaction in non-chronological order, you 're considered a member of the settlement class and eligible to receive a cash payment from the Fifth Third overdraft fee settlement.
This is not a valid debt because of this reason. They have enlisted the help of a debt collection agency XXXX XXXX that is now harassing me to pay.
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| 06/08/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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The subject is about Fifth third Bank internet auto-pay bankingThis is the XXXX or maybe the XXXX time that I set up an auto-pay but some trigger defaults the account the money is to be drawn from the account I assigned to an account that has the least amount of money and thus creates overdraft fee 's XXXX trigger is if you change or modify the amount, without you being aware unless you research intentionally will re-assign the account with the least amount of money.. I have addressed this fault with Fifth Third believing it was a programming error But now just another Trojan Horse..
A year and a half ago they sold me on the Early Access product that I was lead to believe was a overdraft protection product that was charging a very high percentage rate. I complained about that and now the interest rate is 3 % or lower and it is an overdraft protection vehicleThen last month or so I find out they started charging {$15.00} checking account fee on a free account.. XXXX reason being I have direct deposit. Now the bank manager credited 3 months because thats all the further he could authorize this refund. But still this bank continue 's with inventing these Trojan Horses
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| 12/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX, I went to XXXX XXXX on XXXX XXXX to withdraw money from their XXXX XXXX for rent. I frequent here & have never experienced this ATM or another, yet as I was counting the money that was coming out another {$200.00} came out & 3 seconds later returned to the machine. However, I received a receipt for that {$200.00} that I didnt even get! I informed the XXXX at XXXX XXXX XXXX employees who could do nothing & told me to contact XXXX XXXX Im not a customer there so when I called they said contact my bank ( mywisely ). XXXX said theyd do an investigation that would last approximately no more than 40 days. On XX/XX/XXXXXXXX I called & they informed me they turned down my request & that I could resubmit another request. ( But Im not waiting another 40 days for the same answer when apparently they dont do a real investigation ) I dont have any proof they asked for except the faded receipt stating I got the money that I didnt receive. Also, I could try to go the store & see if they can show the cameras or remember me. Additionally, my mother in law is a witness as I informed her that day. But Im not losing my {$200.00} to no wealthy bank I needa my money back
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| 03/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Dear CFPB I am writing to you with heavy heart that Fifth Third bank reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them.
During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately.
I am sending the letter from fifth third saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that Fifth Third is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks after than conversation i received a letter saying they will not fix it as it was not their error.
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| 03/01/2022 |
Yes |
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I currently have a mortgage with fifth third bank and I am in the middle of getting my mortgage refinanced elsewhere. It was supposed to close in XXXX. FHA needed some extra verification on a few things and once it was confirmed that we would not be closing in XXXX, I went in on XX/XX/XXXX to make my payment in cash. My mortgage was due on XX/XX/XXXX. My payment is being reported as of the XXXX and is being marked as 30 days late on my credit ; despite being made within 30 days on the XXXX. Currently, this reporting has pushed my refinance 1 month back and will potentially another month because they are not wanting to remove the late payment marking despite being made within 30 days. I have tried communication thoroughly in branch/through customer service ultimately leading me to a direct contact with an employee who manages credit reporting within fifth third. While my in-branch experience was great, they do not have control over the backend management of this case. The people actively managing my case are refusing to budge/remove this reporting despite being incorrect.
Attached is the receipt I was given for my payment on my mortgage that was done on the XXXX.
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| 11/03/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Cashing a check
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Web |
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Hello, my name is XXXX XXXX. I was a victim of fraud, and am contacting again regarding a {$9100.00} check request I made from my closed XXXX investment account that was issued back in XX/XX/2022 and drawn on 53rd bank. I didn't received the check, because it was sent to my previous address, so when I contacted XXXX, I was told that the check has been fraudulently deposited by someone I don't know. I requested a stop payment and a return of my funds, and I was told that they're going to work on it. After that, I contacted XXXX again for my funds, I was told that my XXXX account was already closed, that the returned funds were unable to settle back into my closed XXXX account, and that the funds were returned back to the originating bank. Since last year I've been on this matter with XXXX. Around XXXX this year, I was sent a fraud packet kit from XXXX with 53rd bank on it to fill out and notarized. I did everything as instructed and mail it to XXXX XXXX XXXX which is XXXX XXXX assets Custodial. Few days later, I was provided with case number. Since then I have not yet received any valid update regarding my funds from XXXX XXXX or XXXX XXXX XXXX and even 53rd bank.
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| 07/30/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Today I was called by the fraud department at fifth third by a woman named XXXX. She said that if I didnt show that I had a small business within 15 days, theyd close my account in 35 days. I told her that I got the deposit to the same account I got my taxes and that my small business was not a banking concern. We ended the call and then, when I went to look at my account I saw that my balance was - $ XXXX dollars. I called the same number that called me and I was told there was a freeze on my account that XXXX NEVER told me about. I went to the branch and I had to wait for a banker and two women lectured me about the sba grants and how I would be in trouble. Neither of these women know me personally or have access to my tax records. This is not the first time Ive had an issue so I decided to leave this bank. I had an incident at XXXX time where my grandpa wrote me a check and I tried to deposit it at an atm. I was sent a letter an email stating that their vendor said the check could not be deposited. I had to wait almost 2 weeks and I was told by numerous people that was a normal wait time for a check deposit at an atm. Im so over fifth third, they are terrible.
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| 05/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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First mortgage with Fifth Third Bank and the miscommunication with their mortgage department has been tremendous. I have been receiving different answers and guidance from every single person that I have talked to on the phone. 6 months ago I requested to get my PMI removed since the value of my home had increased. The bank stated that I needed a reappraisal, which I paid out of pocket. The bank sent me a letter saying that the appraisal came back very close to the 80 % threshold and that I just needed to make an additional payment to the principal. I completed this. Then they notified me that they couldn't remove PMI because my conventional loan was sold to XXXX XXXX and now I fell under their stipulations which included waiting 7 years to drop PMI. I never got notification of this sale nor new terms on my loan. Is the bank even allowed to do this? I already paid for reappraisal, followed all the instructions they gave me in addition to the extra payment to principal to get nowhere because now PMI can't be removed. Please advise if banks are allowed to make these changes. Every 5/3 rep I talked to in the phone has no idea how to explain what happened. Thank you.
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| 11/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Older American, Servicemember |
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Beginning Monday, XXXX XXXX, I have been locked out of my account. They wanted to verify my info which is fine. First they asked my email address. When I gave it several times they told me it was wrong. Ive had this email for several yrs. I finally told them to ask me the security questions. They asked for my email. Since Ive been with this awful Fifth Third Bank you wait a minimum of XXXX hour each time. They tell you if you enter Social Security you will get through faster. Has never happened.
I live in supportive living, am XXXX XXXX XXXX, in XXXX XXXX with serious health problems. With 5 days of this, hrs. per day, Im sure that XXXX XXXX was way up ; even though Im on medication.
On XXXX call I was transferred 3 times with at least XXXX hr. ea. time. When I finally got a supervisor who promised to help we were disconnected before we got started. They have my correct address & phone but not email. They could have called back & didnt.
Fifth Third took over my old bank several yrs. ago. If I had to call my old bank a real person answered immediately & I was done in 5 minutes. Fifth Third is denying me access & Id love to see them out of business. THANK YOU!
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| 01/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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In XX/XX/2019 Fifth Third was contacted my mortgage company, I was changing insurance companies and XXXX also contacted them letting them know this. My new insurance agent called Fifth Third needing more information to bind the policy, they refuse to call him back and give him this information causing a small lapse in my insurance which I never found out until 5 months later by Fifth Third when they automatically put me in escrow and tripled my insurance on my home without calling me or contacting me or anyting. Unprofessional as XXXX I went to my bank on XXXX XXXX in XXXX XXXX contacted the mortgage woman they're extremely rude got nowhere got up and walked out on me. I have contacted Fifth Third mortgage company talking to XXXX XXXX the manager and I'm not getting anywhere he's going out of his way to make this case stick for them to XXXX me out of money this is not going to happen I will not pay it. I'm XXXX XXXX XXXX I do not need the last 6 months of this XXXX in my life please help me and do something about this thank you XXXX XXXX. They tried to raise my insurance from XXXX to {$1600.00} a year. And also raise my monthly house payment not going to happen.
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| 01/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I XXXX XXXX notice that my account balance wasn't correct so I contacted Fifth Third Bank concerning this matter I spoke with XXXX I then notice that there were a fraudulent transaction made that I didn't authorized someone had stole my information from my account and my debit card they purchase XXXX dollars for XXXX XXXX blues tickets. I never receive any service nor goods from this vendor and I never attended any events that XXXX XXXX I don't listen to blues music I had my information stolen and my credit card debit card was used in XXXX I were in the state of Illinois and went to the Bank to show my where about. I'm a victim of fraud and this person had been using my identity and bank information I contacted XXXX XXXX and they refuse to give me my money back. I am not responsible to pay for someone else bills or entertainment and I received no goods nor service. Fifth third bank can't make me repay this money back. I didn't authorized nor give no one permission to use my account or bank card.My account and card has been hacked. Fifth Third needs to close the entire account and card and reopen a new one my money should be safe and secure at all times its FDIC.
|
| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I have had only one credit card and it is paid automatically in full every month on its due date. With no warning my credit limit was lowered from {$30000.00} per month to {$8000.00} and my credit therefore overdrawn. I was refused credit and had to get money from my daughter to buy needed items even the food I purchase by the week during covid, etc. The bank informed me that my credit score with XXXX was only XXXX and therefore Fifth Third could no longer grant me credit limit of {$30000.00} and had no interest in my situation. This was on XXXX XXXX. I immediately contacted XXXX and they told me that my credit score on XX/XX/XXXX was XXXX. I was in the midst of a new loan, XXXX Bank took over XXXX, This became almost a game. XXXX told me my XXXX score on XX/XX/XXXX was XXXX. XXXX told me my score on XX/XX/2021 was XXXX.
I was turned down for a home equity loan, My credit limit on my charge card request for a higher limit was refused. The banker said that this was not the reason for the refusal but I do not understand how FifthThird and XXXX could get numbers from XXXX that are not the same as the scores they send to me and I do wonder how to regain my credit.
|
| 02/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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I have been trying to work with 5/3 Bank since XX/XX/2018. They really do not know what they are doing. They constantly call me and tell me one more document, one more document. Some of the documents are irrelevant. For example, I own the construction company, and they say my wife needs to sign the profit and loss when she has no ownership interest in the company at all. She just works as an employee and receives payroll.
Real estate tax bill, when they are paying the escrow, they KNOW what the taxes are on the property Now they want my wifes paystubs and bank statements showing deposits WHEN it clearly shows on the income tax returns. I pay quarterly income taxes and do not per say issue her a paystub. This is an ENDLESS cycle.
My mortgage is past due. I need help, not this game that they just keep calling for unneccessary paperwork and not help me. They have had all the documents for weeks, and can not make a decision.
It is clearly evident by their requests that an inexpierenced person is working on my file, or they would not be asking for things that are NOT PERTINENT.
It feels like they are doing everything and anything not to help or make a decision l
|
| 09/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
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On XX/XX/XXXX at XXXX XXXX I returned a call to a company claiming to be litigation on behalf of a client. The name of the company was XXXX XXXX and XXXX. They claimed to be attempting to collect a debt that originated in XXXX although they inaccurately claimed XXXX because they are the second company to attempt to buy this old debt. The accusation was that for a small checking account overdraft at XXXX XXXX XXXX in XXXX MIchigan of less than {$100.00}, they would be serving me a lawsuit in which they would seek over {$6500.00} in the form of a judgment against me. They said I would be getting served notice of the civil suit. During the call, they also proceeded to read me my full social security number over the phone and further had run an unauthorized hard inquiry on my credit report. He was reading items off my credit report to me during the call which made me feel unsafe. He also threatened that my wages would be garnished XXXX XXXX or I could settle with a payment plan. The next day, I received another hard credit inquiry from the debt collection agency. The debt collection company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
|
| 08/14/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
|
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Between XX/XX/XXXX-XX/XX/XXXX, I had 2 cds totalling XXXX i believe was a little more, the reason for waiting this long I assumed the cashiers check i had made thru the 5th 3rd bank branch on XXXX street, XXXX NC was applied to ex-husband mortgage loan. according to a recent credit report, I did borrow money against the cds which show repaid back fully. The check was made out to XXXX or XXXX XXXX and XXXX ( XXXX XXXX XXXX ) I have proof that I had the funds, I have 4 witnesses that will go to court and testify as to seeing the check, and a conversation with the Floor manager and XXXX with his girlfriend and me present. He told XXXX he took the check to the XXXX branch. XXXX reps from California keep saying they never received that check. The check has never been signed, it is lost. First Manager I spoke to was rude, basically saying he could n't do anything. The main branch in XXXX I went through 3-4 people until I was sick of the run around. I even attempted to call the Pres. in XXXX and he in return had the area supv call me. It was like going around in a endless circle. Now that the house is in foreclosure and up for auction, I need the check to relocate.
|
| 07/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XXXX XXXX, 2015 XXXX I received a call from a collection agency regarding a bill that I have multiple issues with.
1 ) I never received a statement from original creditor as I had moved and had informed them of this, which they made no attempt to obtain my new address.
2 ) The last time I spoke to original creditor I requested my account to be closed, told then to keep the {$20.00} balance and then I cut up my debit card. Never used account again.
3 ) The first time I was informed of this debt it had been sold and I was informed by 2 of their collectors that I could not dispute the bill. ( this was around XX/XX/XXXX ) 4 ) The next collection agency called me XX/XX/XXXX informing me of bill. I gave them my current address and requested bill and advised the company I was disputing bill but wanted a letter to respond in writing. never received letter.
5 XXXX Now I have reached the last incident. XX/XX/XXXX Again was contacted by a different agency. Updated my address AGAIN. advised the collector I was disputing the bill and that I wanted a letter. He then informed me that because I was verbally disputing the bill I was not entitled to a letter from them.
|
| 02/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2023 I deposited an {$8000.00} check into my checking account at a 5/3 Bank branch. The check was from XXXX XXXX and was for a loan against my retirement account. The check cleared the next day. I already had about {$3000.00} in my checking account when I deposited the check.
On XX/XX/2023, 5/3 Bank put a permanent hold on my checking account and locked me out of my online banking. I tried to call them and when I put in my information, they put me on hold for 30 minutes No one would pick up. So, I went to a branch.
I was told that there were questions about the {$8000.00} check. I didn't understand since this was a check from a large company. I spoke with a personal banker there and provided him the loan disclosure statement, loan confirmation paperwork and my most recent quarterly statement. I called XXXX and they said they should just call them and they will confirm the check. He forwarded this to the 5/3 fraud department.
They have still not rectified the issue. They won't call XXXX. They won't bother to do anything. They have returned payments I have made for utilities and other bills.
I don't know what to do. They have stolen my money.
|
| 01/20/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
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|
Web |
Older American |
|
I am trying to get a home improvement loan with my XXXX XXXX. they aproved the loan, but then came back to me saying fith third bank had a mortgage on my home that had not been XXXX. I had refinanced with XXXX XXXX in XXXX OF XXXX AND THEY SENT THE MONEY TO PAY OFF XXXX XXXX THEN. I have been getting mortgage loan statements from fith third since then showing a zero balance. when i called them about this in the beginning of XX/XX/XXXX they said there was a balance of {$130.00} but they could not tell me what they were for or why they were not included in the pay off in XX/XX/XXXX. At the end of XXXX they waived the fees but did not close the account. I did not find this out until mid XXXX when they said will close the account. since then they have sent me letters quoting an older mortgage and a letter saying an account with a different number then the one i was having a problem with was paid off. On XX/XX/XXXX they said they would fax a letter to XXXX XXXX XXXX XXXX saying that they have discharged the mortgage that has not happened yet. I just what to get this resolved and to get a letter from them shoeing that they do not have a lein on my home, thank you
|
| 04/22/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/21, a XXXX transaction for {$1000.00} was initiated from my Fifth Third checking account to a person whom I don't know. I have been attempting to dispute this for 14 months with no resolution. XXXX blames the bank, and even after filing police reports, fraud affidavits, contacting XXXX, and even requesting that they provide me with documents supporting their decision that the transaction was not fraud, they will not reimburse my money unless my wireless carrier ( XXXX ) provides a written letter stating that either my phone or computer was " hijacked. '' After speaking to a dozen people at XXXX, they agreed to verbally tell Fifth Third ( via conference call w/ XXXX & myself ). We spoke to both the Office of the President at the bank, and the disputes dept and they are saying this isn't sufficient and they need a letter. It's XXXX 's " policy '' to not write letters like this. I don't know what else to do and they are just treating me like I'm trying to get {$1000.00} from them. I have been a Fifth Third customer for OVER 20 years!
They have no evidence or documents supporting their decision, and I have sent countless documents supporting my claim.
|
| 02/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
supplemental complaint original complaint no. XXXX the teller and bank manager at XXXX XXXX XXXX. XXXX MI. XXXX acknowledge that the funds for my XX/XX/XXXX credit card payment where misappropriated and all applied to one account leaving the other card unpaid. so i was shocked and surprised to receive a call while working from the collection department aggressively telling me my accounts are delinquent after telling the collection agent to recheck there records again and going around in circles i hung up the phone later that night i discovered that where instantly cut in half someone manually went into the system and changed my credit limits i believe this collection department worker out of retaliation for me hanging up on me decided to destroy my credit profile my last credit review was XX/XX/XXXX and there has been no late or delinquent payments, so this immediate decrease was an unjustified act of terror i have 2 business accounts with this bank and two personal credit cards i believe companies are to appreciate there customers and not mistreat or abuse them this act of terror has not yet been reversed and my credit score has dropped at least 80 points
|
| 11/07/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I recently signed up for a solar loan with Dividend Financial. The installer installed the solar panels but has not passed the city inspection. I communicated to the lender that the installer has not completed the project because the panels may be a fire risk or pose a risk to destroy my property without the city 's approval. The lender routed me to their Project Resolution Department, with an individual named XXXX XXXX I have been working with the solar installer to complete all the steps and set times to have my solar panels pass inspection ; however, my understanding of the loan docs is the panels are not installed until the city approves the installation. Moreover, the solar installer said they would cover the monthly payments until they completed the project and received approval from the city.
The lender, Dividend Financial, said that because I have been in contact with the installer that they would not keep my case open and would not help me in the future because I'm in contact with the installer. Additionally, the lender said they would not confirm whether the installer will pay directly or I will have to pay and the installer will reimburse me.
|
| 02/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
Whenever I make a WIRE transfer to my Fifth Third Account they take XXXX from the incoming WIRE, however the past 4 times the bank employees got really LAZY in their handling of my WIRE fees. THEY BEGAN to not take it out of SOME and others they WOULD take the XXXX out of the incoming WIRE. I started to write down whenever they would NOT take out the XXXX WIRE fee and when they did because this is a bank where, the very second they begin making small errors, they tell themselves that the customer is not watching, and XXXX XXXX was yesterday so they assume that customers are not paying attention. I did not do a wire yesterday, so for them to steal XXXX from me is fraud and banking discrimination, they assumed that me, as a XXXX veteran, is too tired to pay attention, The took XXXX $ from my last WIRE transaction, and wired 24 hours then put a negative XXXX balance on my account trying to keep a banking error pattern that was inconsistent with their fraud. Please tell them to stop making errors, I was watching, and I want my XXXX back. I was not partying for the XXXX, instead I was watching my bank steal from me. Fifth Third Bank is a very dishonest bank.
|
| 09/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hi, To who this may concern, On the XXXX of XXXX called and made a payment over the phone, and by mistake I made a payment with my account that I stopped using, and that account didnt have funds. So when I realized that there was no money in the account, I right away called back and made a payment with my new account, but I didnt know that the account has a different routing number, so I gave the old routing number, and after that I called multiple times to see why the money wasnt withdrawn from my bank account, and only after 30th day from my due date, you told me that the banking information was incorrect, so I updated it and the payment went through, and then I asked multiple times if you can remove this negative mark from my credit report, and you guys told me that you will remove it, I asked a few times but you still have not removed it from my report and my cosigner.
I am applying for a mortgage now and it is really hurting my ability to obtain a mortgage so I ask if you can please help me and remove this negative mark from my report and my cosigners report, as I made a payment the only thing that was missing was the banking info was not correct.
|
| 07/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Om XXXX I made an ATM deposit of {$500.00} through Fifth third bank. I received an error message asking me to type in how much I deposited. I typed in {$500.00} and did not receive any type of receipt or anything just a number to call. I called them right away to let them know that the atm took my money and then gave me an error code. They told me they would open up a claim and let me know in 45 days the outcome?! The next morning they gave me a provisional credit of {$500.00}. Today, on XX/XX/2022 I wake up and find my account in the negative! I immediately called the bank to see what was going on! They told me they rejected my claim because the atm machine was not over in there count for that day! I am livid. There are cameras all over that ATM machine that can clearly see me depositing the money. They tell me the only thing they can do is reopen the claim and have another " investigator '' look into it! This is the worst bank I have ever in my life dealt with. Now I have to wait another 30 days while they investigate and now my account is in the negative! I have been robbed and it's my word against them since they can't bother to look at the cameras!
|
| 01/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have attempted to contact XXXX XXXX and Fifth Third Bank ( North Carolina ) multiple times and they refuse to remove this fraudulent account from my credit file. I am a victim of identity theft and I have provided XXXX XXXX and Fifth Third Bank ( North Carolina ) with every single document that is required to prove that identify theft has occurred and what is need to have these accounts removed. I provided a full Federal Trade Comission affidavit that is notarized, the XXXX XXXX Police report that list each account/ item that I am requested to have removed from my XXXX XXXX and Fifth Third Bank ( North Carolina ) report. I have talked to many representatives that have refused to assist me and comply with the Fair Credit Reporting Act. I am requesting that this information listed below be removed using the provided documentation to the consumer financial protect bureau and mailed on XX/XX/XXXX to XXXX XXXX and Fifth Third Bank ( North Carolina ). I am requesting that this is completed immediately. Here is the account that I am requesting to be deleted : FIFTH THIRD BANK OF NORTH CAROLINA ( {$200.00} ) - ACCOUNT NUMBER : XXXX - ( OPENED : XX/XX/XXXX ).
|
| 06/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My home was in default XX/XX/XXXX, so I paid the XXXX to bring it current and received a letter stating that the payments had posted ( the letter date was XX/XX/XXXX ). I made another payment for XX/XX/XXXX at the bank. They accepted the payment. I missed a payment in XX/XX/XXXX ( that following month ). This is XX/XX/XXXX. Yesterday I checked the mail and found that 5th 3rd had sent my XX/XX/XXXX payment back to me. I called the bank and spoke to the default department for about twenty minutes. I was informed that my house will go into foreclosure any day now. I asked why did n't they apply my XX/XX/XXXX payment, I was told because I missed XX/XX/XXXX. Now they are saying I 'm in default and they will not take a payment unless it 's XXXX to be exact. Because they did n't apply my XX/XX/XXXX payment when I brought it to them, it put me in default and although I have money for another payment ( my mortgage is XXXX per month ), they will not accept it. Had they accepted my XX/XX/XXXX payment, I would n't be in this predicament. My house is valued at XXXX. I owe the bank XXXX. If they foreclose on my house, they 'll keep XXXX plus in equity AND resale it.
|
| 12/29/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
XX/XX/2020 - at my request, XXXX sent me written instructions pertaining to how and the amounts I can transfer, FROM my XXXX accounts to another bank.
XX/XX/2020 - based on the rules XXXX provided ( I was allowed to transfer a max of {$10000.00} per transaction ) I attempted to to transfer {$5700.00}. This was within their online banking. It had worked in XXXX, XXXX. However, at this time I was not permitted to make this transaction.
I spoke with XXXX, XXXX and XXXX who did not offer any explanation ; but I was given a ticket number of XXXX Since XX/XX/2020 I have called their customer service ; I have written to their officers ALL with no success. A XXXX did call me back and although apologetic, did not have a solution or any explanation for why this is happening. She also has no workarounds to offer. When I suggested they wire my funds immediately, she could not comply.
XXXX is not permitting me to transfer MY MONEY. They can not provide an explanation. They do not return my emails. Each time I call for customer service, I sit in a queue for at least 18 mins, then they conveniently disconnect me. This has been an open case/ticket since XX/XX/2020
|
| 08/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
End of XXXX XXXXBeginning of XX/XX/XXXX I saw 2 PENDing charges on my 5/3 credit card and called to report the were both fraudulent charges.
XXXX : XXXX XXXX XX/XX/XXXX - {$5700.00} XX/XX/XXXX - {$4700.00} I was informed that nothing could be done until they POSTed. Once they POSTed I called to report the fraudulent charges. I received a letter dated XX/XX/XXXX that case XXXX was created and the Disputes/Fraud Team would investigate . I received a letter dated XX/XX/XXXX that the case was closed due to insufficient information. I called 5/3 and XXXX provided me the email address ( XXXX ) and what information to provide .. which I did. I received a letter dated XX/XX/XXXX that the information I provided was not sufficient to reopen case XXXX. I called 5/3 and XXXX XXXX member of Disputes/Fraud Team ) instructed me to respond to the email thread that the Reason Code was wrong .. it should be FRAUDULENT .. which I did. It appears that the Disputes/Fraud Department at 5/3 Bank are attempting to hold me responsible instead of performing their job of protecting their customers against fraud by going after the Merchant who committed the fraudulent charges.
|
| 04/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a car loan through Fifth Third Bank in XXXX, OH. I cancelled my insurance through XXXX XXXX and started using XXXX in XXXX of 2014. They did not receive the change and started adding insurance to my loan. they claim that they were sending letters but I never received them. This month they placed a repossesion order on my car for non payment of over XXXX dollars. This was when I became aware of the insurance added. I sent them the documents showing no lapse in insurance and their insurance department said a full refund had been submitted. This was on XXXX XXXX. He said it could take 7-10 days to hit collections. I then called collections to see if they could talk to the insurance department and get the repossesion order stopped because I am approved for full refund, and all they kept saying was make a payment to stop it and refused to talk to the insurance department. They refused to transfer me to the insurance department, the just continued to badger me to make a payment for something their insurance deparment had approved for refund. It has now been 7 days since the approval and the repossesion order is still out for something I do not owe.
|
| 10/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
My father and I bank at XXXX with separate accounts. On multiple occasions my father will sign a check and have me fill in the rest of it, due to his XXXX and inability to write. I have cashed at least 5 checks with XXXX bank written out in this manor.
On Saturday, XX/XX/XXXX, I took a check to XXXX bank. It was for {$4000.00} that my father had signed and I filled out. I asked the cashier to deposit it. She said I could cash it since it was a XXXX check, so I did.
On Wednesday, XX/XX/XXXX, I woke up to my.accoint being negative {$490000.00}. I was told my account was on hold due to fraud and they needed to talk with my father to approve the transaction. They could not reach my father, so I was told to drive 2 hours to his home to get him on the line. I did. They spoke with my father and he informed them that he did approve the check and he can't write well.
I was then told by the bank that they were still going to close my account due to fraud and not allow my deposit to come through the next day. I am a single mother and had my account closed and I was called a thief because my father loaned me money. I would like to resolve this situation.
|
| 07/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/2023, being ignorant of these non-approved charges for {$2.00}, I did not pay this XXXX charge and Fifth Third Bank recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least XXXX consecutive months from XX/XX/2023 through XX/XX/2023. This month ( XX/XX/2023 ) after proving to Fifth Third bank the charges were fraudulent and not approved by me, Fifth Third Bank removed all charges and reversed the XX/XX/2023 late fee. However, the $ XXXX {$3.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXX, XXXX XXXX XXXX AND XXXX XXXX Please have these $ XXXX {$3.00} charges removed from all XXXX credit reports ( XXXX, XXXX XXXX XXXX AND XXXX XXXX, asap as it has negatively affected my credit! PLEASE SEE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!
|
| 04/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I've maintained a checking account with Fifth Third Bank for the last couple of years. I recently moved from XXXX XXXX XXXX XXXX, and have used my account less frequently. I contacted the bank to update my address in XXXX of XXXX.
Shortly thereafter, with no notice, the bank began charging me a " Dormant Account Fee '' of {$5.00} per month. I did not receive any written or electronic notice from the company until XXXX of XXXX. It now appears that they have taken {$50.00} from my account, which represents 10 % of the total amount of money in the account, and the equivalent of a 30 % APR.
This " Dormant Account Fee '' was not disclosed in any clear or conspicuous way when I opened the account. Worse, I was not notified prior to the account being considered " Dormant. '' Additionally, I was in contact with the bank about my account in XXXX of XXXX. I was told by their customer service representative that accounts are only considered " Dormant '' if there has not been activity for 12 months, which clearly there was in XXXX of XXXX.
Fifth Third Bank refused to refund these fraudulent and abusive fees and threatens to continue to charge them.
|
| 02/25/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
XX/XX/XXXX-present Fifth third bank continues to have unusable online banking. There are complaints all over their social medias from hundreds of people with the same issue for the same amount of time. Not only is the online banking not working, the company refuses to communivate with their customers or give updates. At most they have a random person give generic answers to a few comments and thats it. When you call their customer service line they either do not pick up to talk to you, or you waste an hour of your time to talk to someone who has no idea whats going on, or has no way to give a status update. This is unacceptable, these incidents are not far and few inbetween.
If one only reads the horror stories on fifth third banks social media accounts and reviews that were given, the reader would surely just think this bank is filled with crooks. It was only a few months ago that fifth third bank went down entirely and no one could access their funds, with no communication from the bank, other than a few responses to comments on their XXXX, nor could anyone get any kind of answers. Something needs to be done about this company immediately.
|
| 07/06/2016 |
Yes |
|
|
|
Web |
|
|
On XXXX XXXX, XXXX, I made arrangements with the 53rd Bank # XXXX, XXXX, XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all XXXX of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. My credit bureau disputes are being ignored and my consumer rights have been violated.
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
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I am habitually ignored by Fifth Third Bank ( address : XXXX XXXX XXXX. XXXX, XXXX, OH ) employees no matter when I call or what the subject matter is. I have been calling XXXX XXXX ( phone # : XXXX ) XXXX, apparently in the office of the President of Fifth Third bank to report to her XXXX ) changes in my monthly mortgage premiums due to changes in my home owner ins policy ; XXXX ) the fact Fifth Third reported me and my financial status to XXXX as being effected by Hurricane IAN which is incorrect. I continue to pay my mortgage monthly and do not want this notation on my credit report.
She may believe it is more appropriate I call Customer Service but particularly because when I do that NO ONE calls me back, or their customer service skills are so bad I literally cringe when I speak with them, and because she has also evidenced this behaviour by not calling me back herself. I put a XXXX call into her today and I am sure I will not hear from her. Based on the overall pandemic situation, which lingers and the unrest everywhere, I am not trusting of very much. And when I ask a specfic person to CALL ME BACK XXXX TIMES I EXPECT A RESPONSE!!
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| 09/08/2020 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I received a letter from XXXX XXXX XXXX on XX/XX/2020 attempting to collect payment on a debt it identified as Fifth Third Credit. I sent a letter ( attached ) asking XXXX to provide certain documents and to validate the debt. In the letter, I ask that the materials be provided before I engage in further discussions about the debt According to the return receipt ( attached XXXX, XXXX received the letter on XX/XX/2020. I have not received any of the requested materials since sending the letter. However, on XX/XX/2020, I received a call from XXXX and the gentleman advised that he was a debt collector and this was an attempt to collect a debt. I advised him that I sent a validation letter and had not yet received the requested materials. He simply kept replying " What letter? What kind of letter? '' At which point I ended the call.
The Fair Debt Collection Practices Act provides that if I dispute the debt within 30 days of receiving the initial letter, and I did, that the collector stop collection efforts unless and until they provide documents validating the debt. XXXX violated the FDCP in this instance and should be dealt with accordingly.
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| 12/19/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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We got a XXXX fee to our checking account but could not understand why, had no outstanding checks. When we asked customer service and branch manager at bank, we were told that it was a debit card charge from XXXX. This seemed impossible since Debit card purchases wo n't authorize unless funds are in the account, which they were at time of purchase. Also, an authorization for the amount immediately goes on the account and fubds removed until final purchase a few days later or authorization falls off. Well, according to customer service the XXXX store decided they did not want their money and the bank put funds back in our account. We can not find this alleged funds back in transaction in our account. We asked bank for proof they put funds back in our account but they refuse to provide it. We do not even see original transaction but many days later it appears the bank took the amount out. They refuse to reverse the fee for their own error because they reversed XXXX fees in the past but XXXX of those fees occured because they took an annual debit card fee for charity card without warning us, again banks fault. We want our XXXX returned. Thanks
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| 04/08/2021 |
Yes |
- Credit card or prepaid card
- Payroll card
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- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
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Web |
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I received a XXXX payroll card from my already questionable TEMP hire agency XXXX XXXX aka XXXX XXXX. They claimed this was the only way of getting my paycheck. I had this card for less than a week when I noticed my balance after just getting paid was only {$150.00}. I looked at the history XXXX XXXX XXXX was the only transaction I made personally. I now had 6 transactions from 3 different XXXX gas stations in the area ( yet different cities ).
XXXX pending -XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$99.00} XXXX XXXX XXXX XXXX Direct Deposit + {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX customer service said it would be up to the MERCHANT on reversals and that it could take 45 to 90 days for an investigation. They also said they can not stop pending charges ( there were 3 pending when I called them ) and they would have to post before they could do anything. I'm out {$600.00} and no accountability from XXXX or XXXX XXXX.
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| 02/28/2020 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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on XX/XX/2020 fifth third bank took XXXX out of my savings, and took XXXX out of my checking. I have been banking with them for years and they have never taken anything from my accounts for this " credit line ''. they say it was for a credit line that was not paid. but I know I paid it and they're saying they have proof I did not but not proof I did. they took everything I had except for XXXX cent in all my accounts. they have erased other transactions I've tried disputing before also, and I've heard of them taking other people 's money before also. This ruined my life as of now, making me unable to now get my apartment and manage the cost of living. They do not care. they say they have the right to offset, but never have before. even when I've had hundreds of dollars in my account. Even if I did owe them, they say anything unpaid will go to collections. They practically stole my money today and it seems they have wiped out all my proof of paying but seem to have proof I didn't pay. This feels so shady and I just want justice before they do this to someone else. Its left me with nothing and that money was all I had and they have taken it.
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| 08/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Fifth Third Bank in XXXX, FL were contacted to re-finance my home in XXXX XXXX 2017. After 5 months of attempting and re-attempting to submit all my financial documents they, without my knowledge, changed my loan from a refinance with cash-out to a refinance. After 5 months they told me to change it back we would have to re-submit all our documents again. The following people were involved in the deceit : XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX. They all contributed to in way or another extending the process by asking for documents 2-3-4 times. They also after an inspector of the Banks choosing measured our house at less than 400sq ft than the previous 4 measurements done in the past 10 years. They colluded to try to get CD and other types of loans against the house and forced us to open an account in their bank to proceed with the loan origination. My credit has been decreased because over the course of the 5 months the checked my credit score over 8 times. We are current mortgage holders of this bank, so we were perplexed at how the process moved since it was so smooth 8 years ago.
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| 01/25/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I impound my property taxes in my escrow account with my mortgage at 5/3 Bank. I noticed my second installment of my property taxes had not been paid in XXXX and contacted 5/3 Bank several times. Each time a representative said the property taxes would be paid on time. However, 5/3 Bank failed to pay my property taxes on time and I was charged an interest fee of {$100.00} by XXXX XXXX County, MD. I had to pay more money in taxes as a result of their negligence. After I paid my second installment of my property taxes out of pocket, 5/3 bank emailed me saying their research showed they had made an error and they would be correcting it for next year ( this is irrelevant since I am refinancing to another lender anyway ). However, 5/3 Bank knew the full amount due of my property taxes due because they had to adjust my escrow fees and withholding for calendar year XXXX. The full amount of my property taxes was known and documented in my Annual Mortgage Escrow Statement ( page 3 ) dated XX/XX/XXXX, so there was no reason my property taxes should not have been paid on time. I was charged interest fees on my taxes as a result of their mistake.
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| 06/04/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Back in XX/XX/2019 there was a unauthorized charge from XXXX XXXX that came from my bank account through Fifth Third Bank I got in contact with the bank on several occasions was able to get a representative from XXXX and the bank on the phone together and have the funds reverse to my account coming up now onto XX/XX/2019 the bank took away a credit and said that the situation was not correct it between them and XXXX XXXX closed this Feud and charge me a XXXX XXXX XXXX this put me negative and I have been stuck with nothing but excuses from the bank telling me they had to reopen their investigation extremely rude to me demanding paperwork that I do not have because this was an unauthorized charge Fifth Third kept telling me they need it prove I paid the bill and on several occasions I explained to him that there was no bill due to pay I can not provide you proof they told me to take 30 days to get this straightened out we are nearing a 30-day Mark with no resolution in my account now is double the amount it was negative the first time around and I keep constantly playing catch-up with no response from the bank and no help whatsoever
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| 07/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX is not reporting accurate information on there site I have made contact by mail and the phone I was told multiple times they will fix the problem and never did since last year they are reporting that I only have one credit card on file open but there is more than one for some reason on there site fifth third bank is nor showing but they have a fraudulent account open on my report despite the fact I have disputed the fraud account name XXXX XXXX XXXX multiple times with no finding fact the account belongs to me I have provided information stating the account is fraudulent and do not belong to me experian refused to do a correct investigation multiple calls and letter was sent and received by XXXX but account XXXX XXXX was not removed off my report and fifth third bank still shows as closed XXXX XXXX XXXX was disputed on grounds with wrong name and amount also address not my information incorrect info XXXX refused to remove account but a open account with fifth third with is open and is getting reported on XXXX and XXXX report false information is getting reported with XXXX and is abuse of my name and personal credit report
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| 09/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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A couple of months ago around the beginning of XXXX I opened an account with a {$30.00} deposit with fifth third Bank. Within 2 weeks I tried to log in and they invalidated my login credentials. I called to find out the reason and I was told that I needed to verify my information at a physical branch. I informed them that I am not able to go to a branch as they are not accessible from where my location is. After that they sent me a letter stating that they would close my account down in 15 days if I did not go to verify my information so I decided to wait and let the account close so I can retrieve my {$30.00} deposit. It is almost a month since that letter was sent and I have not received any form of communication or update about my deposit from this Bank. I have called them multiple times and have been hung up on or put on hold for so long that the phone system automatically hangs up my call. I do not want to have anything to do with this bank as I had not had a chance to use an account I've had open for multiple months. I just want my money back, they told me they were going to get me my money back and they have not as of today.
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| 10/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I noticed a debit to my Fifth Third Bank checking account that did not look correct. I went back and discovered that this debit occurred many months. Each one was about {$100.00}, some more, some less. Each debit clearly stated " auto debit Fifth Third line of credit. '' I went to a local branch. The employee looked up this line of credit and said it did NOT belong to me ( which I knew ). I visited the branch where I opened the acct decades ago. I have been there 3 times and sat with the manager. He researched and found debits went back to XXXX! I will attach his email to me stating every debit- it totals over {$6400.00} It has been assigned to the " resolution '' dept of their corp headquarters in XXXX, OH.
The person there handling the " investigation '' is named XXXX. A male - supposedly a supervisor. He called me the other day and is always very secretive and cagey- simply saying " we have to complete our investigation. They refuse to refund me the money even though there is proof it was erroneously debited.
I am extremely frustrated. Please contact Fifth Third Bank corporate headquarters in XXXX, Ohio. Their case # is XXXX
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| 12/16/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
Servicemember |
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On XX/XX/XXXX the amount of {$23000.00} was wired to our account from the sale of our house. We were informed that we would have our money Monday XXXX XX/XX/XXXX. Was not there. Call them Monday and was told that we would have it Tuesday. Tuesday called again was told Wednesday. Wednesday called again and was told Friday. After spending several hours on the phone with several XXXX XXXX people of the wire transfer dept. We are just getting the run around. This is not right!!!!!!!
We are in a hardship. WE NEED OUR MONEY! My family is sick, there are some things that I needed to order as soon as our money became available on Monday morning, but that did not happen. Plus we need our money in order to move.
It is not right that Fifth Third bank is holding on to our money so that they can collect free interest on it for however long they decide to keep it from us. It is our money they have no right to hold onto it. This XXXX that they do must be stopped. We had been informed that when money is wired it is usually available in about 2 hours. Well it has been a full three business days and they are still enjoying keeping our money.
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| 06/21/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I received a promotional offer from Fifth Third Bank in regards to my HELOC. I was to receive 1.99 % if I used {$5000.00} or more to their line of credit. I had a balance I was paying 4 % on and decided to move {$8900.00} to 5/3. The online banking portal showed rate change PROMO APR 1.99 % ( 15 times on my screen ) so I thought good deal, that was easy. I got my statement and it showed my rate at 5.24 % so I called 5/3. After some run around, they told me I was n't eligible for the rate even though my screen showed I got it. I would n't have moved the money or would have moved it back sooner if the bank alerted me that I did n't qualify. After complaining to supervisors, they changed the rate to 1.99 % but will not make it retroactive to the date of the transaction. Meanwhile, I paid off the LOC because I had the money but wanted to use someone else 's money short term. The difference is about {$65.00} in interest, and that might not be a lot, however, if they are doing this to me, I 'm sure the bank is ripping off a lot more people. This practice is abusive and uses misdirection to make sure consumers are n't paying attention.
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| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am unable to get a loan with XXXX XXXX because Fifth Third Bank Mortgage is reporting on my credit file that my mortgage is deferred. I have been paying my mortgage monthly, and have never been late. I have never asked for a deferral. I went to a local Fifth Third branch, and they show zero deferment. Fifth Third local branch suggested I call the Fifth Third mortgage division. The mortgage division indicated that XXXX automatically applies 'mortgage deferred ' to all accounts within a disaster zone. We are located five minutes from XXXX, while we did have two hurricanes this year, we did not have a disaster, and we certainly did not ask for deferment of our mortgage. I suspect that XXXX qualifies accounts for deferment, and I suspect the bank deferred our payments without our knowledge and are collecting interest on those payments.
I can not get a loan until this is removed. Fifth Third mortgage indicated it would take 50 days to have this removed - I've never asked for deferment, and have never been late on payment. This will cost me at least {$1500.00} in lost time and other payments. Can provide information if necessary.
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| 03/16/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
Older American, Servicemember |
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After an Incoming Wire Transfer, Fifth Third Bank puts a 10-Day hold on the Funds in some parts of their System. All Wire Funds are supposed to be available within 24-Hours per " Regulation E '' and this is not the case across the Fifth Third Banking System. The consumer has to call the Bank and initiate a Manual Intervention. In some cases, this may allow the Bank to charge unnecessary Interest Charges to the Customer.
Also, if a Curtailment Payment to a Loan is made on a Saturday in their Internet Banking System, Fifth Third waits until the next Business Day to record the transaction. This costs the Consumer 2 more days of Interest Charge. With 24-Hour Internet Banking, Fifth Third should be looking at Transaction Dates. Instead, Fifth Third forces its System to use the next Business Day. Credit Card Companies use Transaction Dates and so should Fifth Third. Not using the actual Transaction Date allows the bank to steal monies from Consumers.
The Fifth Third System and Procedures are outdated. I also get the sense parts of the Fif Third System is just lazy and they don't think through policies and are slow to update them.
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| 09/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Good afternoon, Since fifth third Bank bought my mortgage and my life been rough. Beginning of this year they had a problem with me saying that I missed 3 payments. While actually all the 3 payments were out of my account. I struggled so hard to reach out to someone from their office to understand and help me because my credit score dropped and they were taking me for foreclosure. I had to get and pay for a lawyer for them to understand the struggle and help me out. However, that problem with fixed after the lawyer with involved and I was back on my monthly payments. All my payments are auto pay which means they are eligible to deduct it from my account and they do. I have family to take care oversees I went this past summer came back and again I get mail from them saying that I missed a payments and I'm charged late fees and I have three late payments which made my credit score dropped so bad. I don't understand how if I have my auto payment on and you guys charge me monthly and I have late payments! I have my all my payments record. I don't want to go pay for a lawyer again to get this fixed! This company is stressing me out!
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| 12/10/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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This complaint is regarding a transfer of XXXX from XXXX XXXX into my Fifth Third account. The original date of the transfer is XX/XX/2019. I did a real time transfer from XXXX XXXX into Fifth Third however the transfer never completed. I have spoken to XXXX XXXX including customer service, the local branch XXXX XXXX, and the executive office XXXX XXXX which have all been of no help. a complaint was originally sent to XXXX XXXX and received and investigated by XXXX XXXX at the executive office but her claim is it is Fifth Third fault and that XXXXXXXX XXXX has no responsibility. I need help I am missing XXXX that was to be transferred from XXXX into Fifth Third on XX/XX/2019 however something went wrong and I have never received the funds into Fifth Third and the funds are missing. I don't know where the money is, I am missing my money and I just want help finding where the transfer went and I want my money. XXXX is missing and that's a lot of money. We need that money found and returned to the account.
included will be XXXXXXXX XXXX correspondence which they have provided no help and put the responsibility on Fifth Third.
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| 02/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I had 3 deferred payments on an auto loan, and was not made aware that the total balance would be due when the loan matured. No one stated this to me when I deferred the payments.
Because no one told me this would happen, my credit score dropped XXXX points. To some it may not seem like much, but for those of us who are trying to build credit, it has a high impact.
No one in the company put any effort in to helping me on this issue. In fact, a supervisor called me back 24 HOURS AFTER I had put in a call back request just to pacify me, and rudely implied that there is nothing they can do about it.
It was reported that I owed a balance that is {$200.00} more than the representative told me I actually owe.
This isnt the first time Ive had communication issues with the bank.
It is almost impossible to speak to someone without being on hold, or constantly updating contact information that has stayed the exact same.
I figured this bank would fairly treat its valued customers they seem to address us as. I would advise anyone against using this bank due to their lack of customer service and transparency in the loan process.
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| 10/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2021 we began a dispute with our Fifth Third Mastercard. The dispute was regarding a charge for lodging that was unsafe. We were asking to be refunded the nights that we could not stay at the unsafe cabin. Fifth Third 's dispute team had to handle the dispute as opposed to Mastercard. We were notified on XX/XX/2021 that Fifth Third sided in favor of XXXX XXXX. We asked that the case be reopened and our responses to XXXX XXXX report be considered. However, we are very concerned that Fifth Third never reviewed our responses as we got no communication from them concerning the new information. The case was reopened and, in essence, immediately closed. We never got a phone call or a letter regarding the closing of the case. We feel that Fifth Third disregarded our facts and responses. When I call the dispute department to clarify why it was closed so quickly after reopening, the associates seem irritated and impatient with me.
We were charged {$3100.00} by XXXX XXXX and are asking a refund for the nights we did not stay which would be {$2000.00}.
See attached documents sent to Fifth Third upon reopening of case request.
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| 02/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Identity theft protection or other monitoring services
- Problem with product or service terms changing
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Web |
Older American |
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The first problem occur in XXXX, XXXX. I was told by a representative that there will be no fees for getting a paper statement. I receive a email that a fee for a paper statement may be charge. The second problem occur in XXXX, XXXX. I tried to dispute a transaction by phone regarding a charge that XXXX approve without my knowledge or any kind of notification. I could not dispute the charge online and that is why I made a call to XXXX. I needed a password to dispute the charge. I had forgotten my password and was told that I should go to my nearest branch to file a dispute. I am a senior citizen and can't get to one of the branches. So I had to call the merchant that submitted the charge. The third problem occur in XXXX, XXXX. XXXX change my address to a address in Florida without my knowledge again. They said the error was made by an employee. And the final one occur in XXXX, XXXX reported to the credit bureau about an over charge of {$11.00} over my credit limited. Why would XXXX report this? They are the one to approve this transaction and it should not have been approved. I have sent numerous messages without any outcome.
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| 11/18/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
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- Problem getting a card or closing an account
- Trouble closing card
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Web |
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I received a XXXX XXXX XXXX XXXX while working for XXXX XXXX. I no longer work for XXXX and would like to cash out this card. The original card is lost. I am being blocked from accessing my funds which I believe are in the amount of {$2600.00}. XXXX 's customer service is awful. There is no direct way to get in touch with a live agent at XXXX. I call up, am asked to provide my social security and birthday but no account is found under that name so the automated system hangs up. My old employer XXXX is unable to update my address/ phone number and correct the information that XXXX has so that my identity can be verified and I can get a new card sent out. Fifth Third is the bank that holds the money and issues these payroll cards. I have called them and they tell me the employer need to resolve it. The employer refuses to contact XXXX to resolve this issue but did let me know that when a card goes unused for over 100 days the funds may be taken by wisely as abandoned. The employer is well aware of the issues XXXX has with customer support. I have made multiple calls to Fifth Third Bank and have not been helped with this matter
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| 12/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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Misleading / omitted information about working with the mortgage co on loan modification as related to credit reporting. Just informed during modified payment trial period of 3 months mortgage co ( 5th. 3rd. bank ) continues to report account delinquent and also holds payment and does not apply to mortgage payments for 3 months. During this time we are still considered delinquent. We were unaware of this. Under false impression, credit reporting would not be un-favorable and that we would not be penalized while working with mortgage co. Started working with mortgage before late 30 days - XX/XX/XXXX. Get different information from mitigation department case workers. This 3 month trial period ends in XX/XX/XXXX. Thought mortgage co preferred immediate communication and loss mitigation instead of repo. Told this process was favorable for us and mortgage co. Not so! Not informed of this until today XX/XX/XXXX. Not fair. They refuse to give us documentation of all communication while processing this agreement without a subpoena Thus protecting themselves from mis -guidance or lack of information during this process on their part.
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| 08/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Two Issues with Fifth Third Bank. 1st. No one could answer me with getting an updated interest rate due to being charged a higher rate due to my nationality and skin color. ( I received a settlement in XXXX for this with FIFTH THIRD BANK.. ) 2nd. Car was repossessed over the interest rate issue and non payment on my part. I paid {$1800.00} in XX/XX/XXXX, to get the car back and paid ahead two months I was told. So I was told the {$1800.00} would cover the {$480.00} repo fee and the rest of XXXX payment as well as XXXX and XXXX of XXXX. I spoke to 2 different people in the last two weeks and Fifth Third bank is stating that I owe for XX/XX/XXXX now and trying to charge me the REPO FEE OF {$480.00} AGAIN.
XX/XX/XXXX I tried to get a manger on the line and they noted I had to be sent to the collections department as they are different, I could only leave a message when I was transfered. And now my car payment is late and I was told in XXXX I would be all set with payments till XX/XX/XXXX. The customer service has been poor and it seems no one is willing to help re adjust the payment of {$1800.00} that was taken in XX/XX/XXXX.
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| 05/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX my Vehicle was repossessed by 5/3 Bank, for what they are claiming was missing payments. I was not contacted in any manner regarding late payments or that my loan was in default. I have gave express consent to contact me via Cellphone and Email as you will find my attached documentation. The consent was given in XX/XX/XXXX for Paperless statements, for which I have not received a single one ( still to this day can not view on XXXX ). I gave consent for my mobile phone on XX/XX/XXXX which I have attached photo evidence from the XXXX XXXX XXXX on 53.com. I have been in contact with XXXX XXXX, constantly, since the incident took place. I have left countless voice mails over the past months, some were given response, the most recent have been ignored. I have provided to their agency documentation proving that my bank account had sufficient funds, that attempts were made to make those payments, that previous consent had been given for contact. My online payments were made but never received, hence the default result due to technical difficulties that 5/3 Bank have admitted to experiencing in and around those months.
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| 12/01/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I filed a complaint with the CFPB on XX/XX/2022, in regards of my account being closed for " high risk '' purposes. On XX/XX/2022, Fifth Third Bank responded to my CFPB complaint stating that " Fifth Third has determined that the activity in your account did not fall within our underlying acceptance of risk ; therefore, the decision was made to close the account. '' As detailed in my original CFPB complaint dated for XX/XX/2022, I requested for Fifth Third Bank to provide me detailed reasoning on why my account was closed, Fifth Third Bank has failed to provide me the detailed explanation on why my account was closed. Fifth Third Bank states that the activity in my account did not fall within their underlying acceptance of risk, so my question and concern still stand- WHAT ACTIVITY IN MY ACCOUNT FELL WITHIN THE UNDERLYING ACCEPTANCE OF RISK? Please be detailed of the specific transactions, dates and amounts regarding the activity that has been referenced to regarding the closure of my account. My original complaint concern has not been addressed nor answered- CFPB please help assist in resolving this issue soon. Thank you.
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| 11/07/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2011, I purchased a money order in the amount of XXXX from Fifth Third Bank. I issued the money order to Attorney XXXX XXXX. Since 2011, a dispute has occurred in which the attorney is stating that he never cashed the money order. To prove payment, I requested a front and back copy of the money order from XXXX XXXX and several other Fifth Third Staff members. XXXX XXXX provided me with a copy of a money order with no endorsement. When I asked XXXX XXXX for a written letter to submit as proof of payment and endorsement she stated that she can not provide me with the name of the customer who cashed the check instead, she has only provided me with the name of XXXX XXXX XXXX as the banking institution of where the money order was presented. Based upon the money order having no endorsement and Fifth Third Banks refusal to provide me with the name of the customer and other pertinent details I am not able to prove that I made a payment to the Attorney and Im unable to receive my funds back. I am attaching a copy of the money order provided by Fifth Third Bank and copies of my bank statements as supporting documentation.
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| 06/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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Web |
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My father had a personal checking account at Fifth Third Bank in Michigan and had passed away on XXXX. I have filed the proper probate paperwork ( Order of Assignment ) in Michigan and have certified copies of both the death certificate and order of assignment. I have contacted Fifth Third Bank at the branch I was instructed to based on where he had opened his account which is XXXX XXXX XXXX XXXX I have gotten the run around from them since XXXX and was even told I could reach out to " any branch '' to get this done and have essentially been ignored. I live in the state of Colorado and Fifth Third Bank is not in our state ( or even close ) so I am trying to get this taken care of from a distance. I even went up the chain to Corporate and the " Probate " contact and seem to be getting nowhere. There has to be a way to facilitate this long distance, but no one seems willing to figure it out. I have sent in copies of the documentation to XXXX branches to get the ball rolling, to no avail. What are the next steps I can do? They essentially have been holding the funds that I am lawfully entitled to and those funds are needed.
|
| 08/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
All creditors have sent me letters they do not have any original documentation. But have not removed accounts from my credit reports
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| 07/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
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|
Fifth Third Bank is practicing deceptive business practices. They sold a product named XXXX XXXX XXXX to us without our knowledge and wish. We never requested this product. Upon learning that we were signed up for this product, I reached out to them on multiple occasion and requested that they remove the charge of {$3.00} for each month beginning from day 1 they applied the charge. They refunded the charges initially, and assured us they will order a regular debit card which has no fee. This was also a lie. The charges kept coming. I reached out to them in person the 2nd time and they again assured they were correcting the issue. This never happened. As of today we are still being charged the fee of {$3.00} and they have not corrected the issue. I have reached out to them again via online banking messaging for their mobile app and from online banking messaging via a computer to no avail. They are interested in passing the buck between customer service and the branch. THEY ARE CLEARLY doing unethical things and should be punished just like other financial institution that were in trouble in the past for similar things. I
|
| 05/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Car purchases XX/XX/XXXX Loan thru Fifth T hird Ba nk - GAP Coverage purchased All payment mad e one time - 2 mon ths pre-paid XXXX XXXX , XXXX - car was totaled Around the end of XXXX or XXXX XXXX - Bank call and told me to protect my credit I had to make another car payment as the GAP coverage had not been paid and the money would be refunded once claim was settled. {$340.00} was sent and received by them and posted on XXXX XXXX . GAP payment was made XXXX / XXXX / XXXX Bank has returned {$68.00} on XXXX / XXXX / XXXX & {$160.00} on XXXX / XXXX / XXXX after much communication and a complaint filed to the Oh io Better Business Bureau! The {$110.00} balance I 've been told by GAP is UNEARNED INTEREST which by definition ( DEFINITION of 'Unearned Interest '. Interest that has been collected on a loan by a lending institution but has not yet been counted as income ( or earnings ). Instead, it is initially recorded as a liability. If the loan is paid off early, the unearned interest portion must be returned to the borrower. ) should be returned to me. The bank is refusing to refund this amount.
|
| 11/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
On XX/XX/2021 XXXX financial mistakenly charged my 5/3 bank account twice for my car payment {$1100.00} which made my 5/3 bank account over draft. Fifth third bank charged my account 5 times of the amount of {$37.00} once on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XXXX XXXX. On XXXX XXXX I was charged a extended overdraft fee of {$10.00} all totaling {$150.00}. My arrangement with XXXX is they only suppose to take out XXXX payment out of my account each mount for {$1100.00} automatically I don't know why they choose to take out XXXX payments for this amount. But Fifth Third bank is treating this like it is my fault they only refunded a portion of fees but they not going to remove the fact that I was even charged a overdraft fee which have damaged my account and removed some of the features I once had on my bank account like check cashing on the banking app. I want all my money back in overdraft fees. And remove the fact my account was overdrawn because this was not my fault. I will write a separate complaint on XXXX also for messing up my bank account. But I feel like 5/3 bank should not profit off XXXX mistake
|
| 01/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
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Web |
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HO with delinq mtges with Fifth Third contacted me asking for help with a loan modification. I gathered all the information and send the RMA and all other required docs to the bank for review. On XXXX XXXX, 2016 the POC person at the bank, XXXX XXXX XXXX requested addtl documentation which I immediately faxed to her. On XXXX XXXX, 2016 XXXX requested P & L statements for the HO 's XXXX. I provided them and faxed them in to her on the same day. The HO got a letter dated XXXX XXXX, 2016 from XXXX XXXX at Fifth Third advised that they had to close her file since she did not meet the terms of her agreement???? What are they talking about? I called the bank and talked to a guy named XXXX who said that XXXX 's notes on the file said that since the P & L statements were not signed and dated they were closing the file! Really??? All she had to do was ask me to get them signed and dated which I have done and returned to them today asking them to re-open and review this file for a loan modification. They obviously are not too interested in helping the homeowner and I do not approve of their tactics. Someone needs to talk to them
|
| 10/14/2021 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Overcharged for a purchase or transfer you did make with the card
|
|
Web |
|
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I got a deposit from VA lottery on XX/XX/2021 for {$170.00} to my XXXX XXXX card and it settled on XX/XX/2021 but the money never posted to my account. For the past month and more I have been trying to get my money. I called XXXX today and was hung up on several times. One time I talked to a girl and she said where she see the money came but never posted and she would reach out to VA lottery to get some info from them. She told me she would call me back within and hour, several hours passed so I called back and a manager told me no one would tell me they would call me back and that the VA lottery tried to deposit the money from an ATM before he hung up on me. I continuously called back and never got anyone with XXXX to find my money so now its come to this because its sounding like fraud. I called VA lottery ( XXXX, opt. 1 ) and talked to the supervisor XXXX XXXX because he now knows me because Ive called him continuously for over a month because I thought they never sent it. Comes out to be XXXX fault all the way around and they had me thinking it was VA lottery. VA lottery provide screenshots of the money they sent.
|
| 09/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
Servicemember |
|
Fifth Third Bank charged {$5.00} dormancy fees on multiple accounts I hold with them ( a checking and a savings account ). It is my assertion that in doing so, Fifth Third engaged in unfair and deceptive behavior : ( 1 ) the fees were not disclosed when the accounts were initially opened ; ( 2 ) account statements were not provided to me; and ( 3 ) my online account access was locked preventing me from discovering and preventing such fees.
A significant portion of the period I was being assessed such fees occurred during the pandemic when branch access was limited/restricted. I have many online banking relationships that can be accessed entirely remotely. Requiring a customer to visit in-person is an unnecessary burden seemingly designed to frustrate a customer 's ability to exercise control over their account and maximize Fifth Third 's fee revenue.
Furthermore, the fees imposed against one of my balances represents ~50 % of the original account balance. Imposing fees of this magnitude is punitive and unconscionable. This raises serious doubt whether Fifth Third is appropriately discharging their fiduciary duty.
|
| 06/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have a car loan with Fifth Third Bank and they do n't allow you to make payments online so I have to mail by check. I will send the mail a week before it was due and they wo n't cash it till 2 weeks later. Well this month I missed one payment and they repossessed my car. And I already sent the payment that I missed and the current one this month. They now want to charge me XXXX in repo fees and the XXXX payments will go towards that and I will still owe my payment for this month on top of the towing and storage fees. I just do n't understand how the repo fees are this much when my late monthly payment is XXXX. I hear a lot of the same problems with people having their car repossessed when they made payments they just posted them late. And when I called them they did n't tell me about the repo fees and were fine with me paying the payment that was late and the current payment then when my husband called they said we owed XXXX. On top of that they did n't contact us at all and they said they sent a letter in the mail but we never gotten it. If we knew this was happening we would have done expedite shipping right away
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| 10/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I started a mortgage process with the Fifth third bank to buy a house in SHORT SALE.
This lender received all my documentation, give me the preaproval letter, good faith estimate, and ordered the home appraisal, charging my credit card.
BIG MISTAKE!!!!. it was a short sale.The formal process can not start until the receiving of the approval letter from the seller 's mortgage Bank. - meanwhile the loan should be in a pending status.
The ordered appraisal was done 30 days before receiving the approval letter. at this time was expired. So, it was supposed to be redone. When they realize their mistake, never answer my phone calls, or e-mails again. The last communication, 20 days before the closing day was " we have to start the process again ''. Even if I give my authorization to do the home appraisal, it does not mean that this could be done without complying with all legal requirements. I do not have to pay with my money for their unforgivable mistakes.
I sent an e-mail, and certified letter to XXXX XXXX, Vice President Area Sales manager ( XXXXXXXXXXXX - XXXX XXXX XXXX ) requesting my money back. He never answer.
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| 04/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I want to present a complaint against Fifth Third Bank. They have unfair consumer practices. In XX/XX/2021 Fifth Third risen my mortage payment from {$2500.00} to {$3700.00}. I've risen the concern since XXXX ( E-mail attached ) that this monthly payment is a hardship for me and requested support from the Bank with no response as of today. I have requested to remove a PMI insurance they have on my Mortgage of around XXXX on a monthly basis. I am already paying {$3700.00} for my mortgage and between the Taxes and the PMI, the Escrow of this mortgage ascends to {$1700.00} monthly on top of my principal and interest. I have escalated the case to remove the PMI, as the current loan represents only a 56 % of the property current value and offered to pay for this appraisal to get this PMI removed. And having not missed any payments on, y loan in addition of having a good credit score. With only a waiting response from the bank ( e-mail from XX/XX/XXXX attached ) when I need to continue paying and paying month over month and nobody cares about me as a consumer.
Please help me alleviate this situation, XXXX XXXX XXXX XXXX
|
| 12/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
In XX/XX/2020 I noticed 26 charges from XXXX for {$90.00} all in a row and then there was one for {$26.00} and another for {$63.00} from a XXXX. I immediately called my bank, Fifth Third, to put in a fraud case, which they did. They refunded my money after 7 days and waited for the case. Well XXXX is saying they have my information and that these charges are valid, so my bank just believes them and doesnt fight it resulting in them adding all these charges back onto my account and over drafting my account by {$2200.00}. They didnt fight it, they didnt notify me, they just believed what XXXX said. They wont waive over draft fees that I will incur which is over {$1000.00} in overdraft. I havent had a XXXX in over 5 years and even when I did, I never played games or put in my credit card information. We strictly used it to play XXXX Discs. My bank is not helping me out in anyway when Ive told them repeatedly these are fraud charges! 28 charges in a row, one right after the other, and they didnt catch it. I just need any help I can to get that money back. They told me to take it up with XXXX. Im desperate at this point
|
| 01/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I have had my 5th/3rd bank account for 1 year and 3 months as of this writing. Never been late with a payment. I transferred almost XXXX worth of balances to said card to open the account. Paid off the balance and use it every month for my cell phone. Minimal usage with perfect payment history. Now as of last week, the end of 2019, they have taken my XXXX limit and reduced it to XXXX. Hurting my credit score in the process. Lowering my available credit and increasing my credit usage. I called for a reason and they said it wasn't a mistake and that " some '' people had been labeled risky. I asked why i was risky due to my history with them. They said my personal history had nothing to do with the decision. That my credit score did. Mind you, i had been trying to buy a house and my mortgage company had pulled my credit a couple times. They said this is likely the reason but could not be sure due to privacy.
TL/DR : Have a perfect payment record and use the card every month at 5th/3rd and they will reward you with a lower limit. My recommendation is to stay away from them as they treat their customers like garbage.
|
| 09/03/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
XX/XX/2010 my grandmother, XXXX XXXX passed away. I was told that all grandchildren are on her inheritance trust. After she passed away the trustee told me I was not on the trust. I requested the trust document several times. No one has produced the trust document or any information concerning the trust. I contacted the trustees bank and was given the run around as well as contradicting information. The trustee, XXXX XXXX XXXX would of had to forge my signature to reopen or distribute the money goods. I never was notified or signed any papers concerning the trust. I found out that XXXX passed by noticing antique furniture in a siblings townhouse. I was left out of a trust approxite value of XX/XX/2010, XXXX XXXX plus investments. Could you investigate the trustees bank and trust account? 5th and 3rd Bank is the trustees personal bank and possible active trust account. The beneficiaries and trustee refuse to answer any of my questions or request. Please help with this issue. I looking for an attorney, but have to reach out to attorneys in Illinois and it's hard to do this with confidence. My contact number is XXXX.
|
| 03/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I was incapacitated due to XXXX and after a couple of automatic bill payments my account became overdrawn. Some of the " auto-payments '' were retried and my bank kept approving and reversing the payments and billing me for each attempt. In less than 4 days Fifth Third charged me over {$450.00} in fee 's on an account that was only overdrawn by {$300.00} dollars. I now have a negative balance of {$750.00}.
I've been a customer of Fifth Thirds for over 15 years, maybe more ( credit and checking ) and after speaking with an agent was provided no assistance or support. The agent who was clearly from an overseas call-center said he understood the situation and apologized as there was nothing he could do.
Fifth Third has also admitted to a posting issue where the mobile app does not reflect payments or pending charges and only shows " posted '' transactions leading to more customer overdrafts - of course they won't fix this issue because as most of us do banking on our devices, they'll just continue racking up the fee 's.
Any help would be appreciated as I was laid off from work and am struggling to make ends meet.
|
| 09/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
1. In XXXX 2016, Fifth Third Bank provided me and my husband with a prequalification letter for a construction to permanent mortgage loan on our primary residence. After notifying them at the end of XXXX 2016 that we were ready to proceed and supplying them with sufficient info for an application, we did not get a loan estimate until the end of XXXX.
2. Without our knowledge, our loan application was made inactive by Fifth Third even though we were actively communicating with our loan officer for an XXXX XXXX closing date and repeatedly being told the loan closing was on target. Construction on our home had been scheduled to start the day after closing. Five days before the target closing date, our loan officer informed us that the closing would not occur on XXXX XXXX and our file had become inactive due to Fifth Third not setting up our contractor in their system. We were told by our loan officer and her direct manager that the only way we could proceed with a loan from Fifth Third was to reapply. All scheduled construction work had to be halted and our project was delayed through no fault of our own by 7 weeks.
|
| 07/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX, a scammer cheated us out of {$300.00}. Since this was XXXX XXXX, I called immediately the next business morning to put a stop to the charge. 5/3 Bank said they could not stop the charge, it had to clear, then they would try to get it back from XXXX. The scammer made it look like I was working with XXXX to get my money, but instead were able to get {$300.00} from us. On XX/XX/XXXX, XXXX gave us back the {$300.00} provisionally. Today, XX/XX/XXXX, the {$300.00} was removed from our account. They stated that they could not retrieve the money from XXXX, so they took it back from us and basically said, Oh well. We have asked to appeal this and they said they would reopen the case. This process could take another 30 days. They are not working with us or protecting us as they should as our financial institution. We have been with them for over 5 years and never had an issue like this. We sent them all the screenshots of the scam, as well as the case and report numbers we have from our local police department ( XXXX XXXX Police Department ) with a detective on the case, and the Federal Trade Commission.
|
| 09/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
We had 2 payments delayed never used them as we get paid every 2 weeks split the payments and over paid on the loan from the beginning and they charged us XXXX $ in late fees that do not apply sent the account to repo even though we owed less than the amount at the end of the loan the customer service people lost the POA that I sent so that my wife could handle the finances the loan was for XXXX $ including finance charges they were paid in total XXXX $ at the end of XX/XX/XXXX but then they charged us XXXX $ including 2 payments and late fees this Bank is cheating and while speaking with a rep she admitted that their system has problems. on numerous checks that I wrote to them I made notes because of their attempts at what I believe to be fraudulent activity as we should not have been charged late fees adding up to 52 months they are basically saying every payment was late and that is a false statement as they were paid from XX/XX/XXXX to XX/XX/XXXX XXXX $ each month in 1 payment after that they were paid XXXX $ EVERY 2 WEEKS as of XX/XX/XXXX the payments were totally current so then they sent it to be repoed
|
| 07/05/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
|
Mortgage company ( Fifth Third Bank ) added force-placed homeowners insurance on my mortgage despite the fact that I have always had homeowners insurance since the initiation of my loan and sent them proof of this insurance via email on multiple occasions per their request. I spent approximately 6 months going back and forth with the bank about the aforementioned issue and ultimately had to involve my attorney to have the issue corrected by having the force-placed insurance removed from my mortgage statements.
From XX/XX/XXXX to XX/XX/XXXX, I received six ( 6 ) separate endorsed checks from Fifth Third Bank to me with " return funds to customers '' stamps on them. I deposited these checks at one time towards the end of XXXX and a week later, Fifth Third had all the checks cancelled without any prior notice. I consulted with my attorney first about this issue, then spoke with Fifth Third ( as per my attorney ) and they could not give me a comprehensible explanation as to why the checks were cancelled. I was charged six ( 6 ) return check fees by my banking institutions as a result of Fifth Third 's actions.
|
| 03/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
We opened up a 5/3 business checking account based on a {$500.00} bonus offer. This was a targeted offer that was mailed to us. The offer code is XXXX XXXX XXXX XXXX XXXX. We opened the account at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - ( XXXX ) XXXX. The account was opened up by XXXX ( who helped us open the account ) along with the branch manager XXXX. We have met all the terms of the offer, but the bank has yet to make good on their deposit. We have spoken to both XXXX and XXXX multiple multiple times, and they have agreed that we have met all the terms of the offer. They have escalated this issue to Corporate for resolution, yet they have indicated they have had no response to their request from Corporate. It has been almost 5 months since we opened this account, over 3 months longer than was required for the bonus offer to be deposited to our account. I spoke to XXXX again this morning, and she indicated that she is again escalating this issue, but I'm filing this complaint because this is a branch manager of 5/3 who can't get a response from the very bank she works for on a resolution to this matter.
|
| 06/24/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Got pre approval for mortgage in XXXX XXXXWent under contract with new build in XXXX. Builder required commitment letter within 30 days. Fifth third never provided it. Close date on home expected in XX/XX/XXXX th 2022. It is now 1 week before closing and still no commitment letter from fifth third. They only look at case once a week and request additional info every Friday. I promptly provide info requested within 24-48 business hrs and they take another week to look it over and come back with additional info requested. I am now 1 week from closing, and builder is unwilling to push back closing date. I will lose the house, with no place to go. I am out {$16000.00} deposit to the builder in addition to application and appraisal fees fifth third has charged. I escalated issue to managers and supervisors, they are non responsive. Worse experience of my life. I bought a house years ago and never went through such a horrific experience. They are the worse. Worse of all lawyers wont take the case since even though they believe in my case simply because its not worth it to them. Something should be done about this
|
| 09/03/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
For several years I have been paying 53 Bank an additional amount of money XXXX {$200.00} or more ) over the interest amount on my home equity loan. Since XX/XX/2019 I have been paying an extra {$400.00} in addition to the interest payment on my XXXX Bank home equity principal. The interest rate has been XXXX percentage since XX/XX/2019. Although I am paying on the principal, the interest on this loan does not appear to be going down. I called 53 Bank today, XX/XX/2019, to inquiry why the interest being charged on the home equity loan is not going down, but keep increasing. XXXX Bank response was that the interest amount they are charging me is based on a certain amount that they charge per day. The amount that they are charging me for interest does not appear to be based on my principal balance, which should make the interest lower and more money going toward my principal. I feel that 53 Bank maybe charging me more interest than they should on this loan. They have probably been doing this for a long time, because I used to complaint to them about the same thing with my home mortgage which I have paid off.
|
| 10/25/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I Applied for A Mortgage loan with 5/3 Bank in 2012 for A repossessed house and the house needed some repairs too. So the loan XXXX at the Bank XXXX that I use the Banks own XXXX to repair the House before the loan will be Approved I agreed. The job was n't done right or on time so I Contacted the bank again to tell them the XXXX of the job that their XXXX did. So the Bank sent an XXXX 5 times to my House because their XXXX told them that the House was Completed.
Coming to find out from the XXXX that the XXXX was XXXX and the XXXX was XXXX. So because I refused to sign the XXXX from the Bank to the XXXX he filed a lawsuit against me and the Bank. So the bank Charged me {$940.00} Stating that they had to file a response to the Lawsuit even though it 's the Banks XXXX that did n't complete the job like he was supposed to. We went to court and the Bank Settled with me so that they 'll be out of the case and then they turn around and add the {$950.00} to my Mortgage payment. So I 'm paying extra towards my principal and the bank is taking the extra as a payment for {$940.00} which I do not owe them for ... ..
|
| 07/05/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( 5/3 BANK NA ; XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
|
| 07/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I notified 5th/3rd bank that checks written in XXXX had not posted and I feared they were involved in washed check fraud on checks stolen out of USPS mailboxes XXXX I was advised by a 5th/3rd employee to place a " lost check '' STOP PAYMENT on the checks and this would stop them from being processed by the bank. The hold was placed on XX/XX/2022.
On XX/XX/2022, I checked my account and {$17000.00} was missing. A check had indeed been washed and 5th/3rd paid over the stop payment. The washed check was dated and negotiated on XX/XX/XXXX. I notified 5th/3rd at XXXX XXXX on XX/XX/XXXX of the fraud but was informed it was too late to take action because XXXX XXXX XXXXXXXX had paid out cash on the check.
5th/3rd has refused to accept any responsibility for paying over the stop payment. There is a fraud claim between 5th/3rd and XXXX. The only information I have received is that it will take 30 to 180 days to process. Why are these mega-banks allowed to deny their responsibility for allowing the fraud while the customer who tried to stop the fraud is penalized and not even able to check progress on the claim?
|
| 03/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
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Web |
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Over the last week and a half, I have called and spoke with Fifth Third Mortgage 3 times. Most recently I had a conversation around XXXXXXXX XXXX EST.
I informed them that I was aware that XXXX XXXX ( who my loan is associated with ) was urging service providers ( in my case Fifth Third ) to defer payments up to 12 months.
My husband and I are XXXX XXXX people in the XXXX industry and not only has our cash flow immediately halted, but we are hemorrhaging money with refunds due to cancellation relating to COVID-19 and travel restrictions.
Although we were being proactive anticipating this hardship I was informed by Fifth Third that I only had one option : To defer my payments for 3 months at which time they will ask me to pay the 3 months back in a lump sum ( {$4200.00} in my case ), and if unable they will address it or modify my loan. I can state with certainty that even if my businesses bounces back and we can operate within 3 months that we will not be in a position to pay {$4200.00} nor is modifying my loan an option.
I'd like to know why Fifth Third is not following the instructions from XXXX.
|
| 07/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
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I refinanced my Fifth Third loan on my XXXX XXXX XXXX through XXXX XXXX. I sent in a check for the sum of {$3500.00} to XXXX XXXX and they made a check for the remainder and sent it to Fifth Third. These checks were received and signed for by someone named XXXX at their overnight payoff address on XX/XX/XXXX. I noticed that they were still not cashed on the XXXX and have been calling for action to be taken repeatedly to no avail. I now have a payment coming up that is due on XX/XX/XXXX to Fifth Third and another for my new lender on XX/XX/XXXX. I asked Fifth Third to reimburse me for the fee to put a stop on my check that I sent and was lost by them and they refused. I also asked if they could temporarily suspend my payment being due which they said they would not. I now have {$1000.00} of payments due next month on a car that is financed for $ XXXX. During this whole process I was hung up on the better part of 4 times, dealt with multiple people in online chat that constantly asked the same question over and over and over and were generally not helpful, and have been incredibly stressed for over a week.
|
| 09/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
This relates to my original CFPB complaint number XXXX about my Mastercard with Fifth Third Bank. This was about a fraudulent charge to my card in XXXX, 2021 to The XXXX XXXX XXXX.
The company replied to me about the complaint saying this charge was legit as it was made by another authorized user of my card. This is a lie, and is impossible since I'm single, live alone, and am the ONLY user of this credit card.
XXXX XXXX, an employee of the Office of the President of Fifth Third Bank is the contact person the company assigned to my original CFPB complaint. We talked briefly a few weeks ago when he first got my complaint. Since receiving their decision letter, I have tried numerous times to reach out to him to discuss and have him explain just who this alleged " other authorized user '' supposedly is. All I get is voicemail when I call. I have left messages and no reply yet from him.
Since there are NO other authorized users on my card, the whole reply to the original complaint is fraudulent. I want the original complaint re-opened and an explanation about who this " other user '' is supposed to be.
|
| 07/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On XX/XX/XXXX I received a call from XXXX XXXX XXXX threatening to sue and ruin my credit report over a {$250.00} debt I had with 5/3 Bank. Worried about my future, I paid the debt using my debit card and transaction is attached. On XX/XX/XXXX, I received a letter from XXXX XXXX about a debt balance I had of {$330.00} from 5/3 Bank from over 6 years ago. They said I had 30 days to respond or else this would go on my credit report. I called XXXX XXXX XX/XX/XXXX and they said their sister company XXXX ( law firm ) bought the balance from 5/3 bank and have been trying to reach out to me for the last 6 years. They said they would reduce the balance owed to {$250.00}, then to {$220.00}. I asked for further evidence about this debt but did not provide any more documentation. Concerned that my credit report would be impacted negatively, I paid XXXX XXXX {$220.00}. Realizing that I might have been scammed, I remembered that I had a debt collector, XXXX XXXX XXXX reached out about a debt from 5/3 Bank and paid {$250.00} on XX/XX/XXXX, the exact amount XXXX XXXX was looking for. This is when I knew I was scammed.
|
| 10/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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|
My husband and I were in a forebearance program from XX/XX/XXXX to XX/XX/XXXX. We started making payments again in XX/XX/XXXX. We made XXXX and XXXX payments. We opted to defer our missed payments to the end of our loan. Well after making our XXXX and XXXX payments we were informed by 5/3 that the payment deferral agreement wasnt in effect yet. It didnt become effective until XXXX XXXX. So 5/3 applied the XXXX and XXXX payments to XXXX and XXXX. So we resumed making payments again in XX/XX/XXXX. We made XXXX, XXXX, and XXXX payments. Then on XX/XX/XXXX, 5/3 reversed XXXX, XXXX, XXXX, XXXX, and XXXX payments. 5/3 claimed that our payment deferral agreement wasnt in effect even tho we have a letter stating otherwise. I find it ironic that they started reversing our payments in XXXX after they were notified that we were trying to get refinanced with a mortgage company. So after reversing the 5 mortgage payments we made, 5/3 then reported us to XXXX as missing payments and delinquent on our loan. It dropped our credit scores 43 points. And that could very well cost us the ability to refinance our mortgage.
|
| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated me the consume and my ferderally protected nonpublic personal information and rights to privacy and confidentiality under 15 USC 1681.
FIFTH THIRD BANK NA Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights to privacy and confidentiality.
15 USC 1681 section 602 A, states that I have a right to privacy and confidentiality.
15 USC 1681 section 604 A section 2, states that a consumer reporting agency shall not furnish information containing an account without my explicit written consent.
15 USC 1681c ( a ) ( 5 ) states that, No consumer reporting agency shall make any consumer report containing any information of the following : any adverse information of items, other than records of convictions of crimes which antedates the report by more than 7 years.
15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information provided is inaccurate.
|
| 07/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I called my loan company on XX/XX/XXXX about the debit from my account due the following day. They informed me they had already contacted my bank and there was nothing they could do to stop it. They then advised me to contact my bank and order a stop payment order. I called my bank, Fifth Third, and ordered my stop order and paid the {$33.00} fee for it. I was guaranteed by two separate banking associates that this would work. I was also advised that the amount will still be debited from my account but that the day after the debit occurred that I would be refunded the debited amount. This has not happened. My account is now negative due to them not crediting my account like they told me would happen. Now they are saying that stop payments arent guaranteed and there isnt anything they can do. If they arent guaranteed then why did I have to pay them for a service that might not work? I wont get paid until another six days so my account will accrue late fees each day due to this error, even though I went through all of the necessary steps to stop a single payment with the authorization from the creditor.
|
| 03/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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I have an excellent, almost unbelievable payment record. I have made many, many, many payments on time. Some of the payments are for a very large dollar value. I have almost no debt, in fact the only payment I need to make is my house payment. I pay off my XXXX XXXX balance every month to avoid interest. There were 3 late payments several years ago due to 5th 3rd bank forgetting to retain my credit overdraft protection when they came out with a new checking account product which I did not wish to sign up for, but they forced me to change to. Due to this, tiny ( and I do mean tiny ) infraction I have had a bad credit score since then. And I do consider anything less than excellent, a bad credit score. I have tried to remediate this with XXXX, but nothing works. My on-time payments eclipse anything else that could possibly be on my credit report, and I have NEVER failed to pay off a debt or any interest accrued. However, my credit rating hovers around the good mark. Please give an unbiased look into my payment history, and help me get back my excellent credit rating. Thank you. Sincerely XXXX XXXX XXXX
|
| 10/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
I had a mortgage with XXXXXXXX XXXX XXXX. It was on AutoPay and I never missed a payment from the beginning in XX/XX/2022 through XX/XX/2022. During this time I received regular emails from the company. In XX/XX/2022 the mortgage was sold to Fifth Third Bank. I did not receive any notice of the loan transfer, from either mortgage company, via email or mail. Fifth Third Bank claims my mailing address must have been incorrect with XXXX, but Fifth Third never tried to email me either. Fifth Third also claims they tried to contact me by telephone, but all I received were voicemails that sounded like phishing scams. I did not find out my mortgage had sold until several month later, when I contacted XXXX to ask why they hadn't been drafting my autopay. By that time I was several months behind on my my mortgage, my credit score and my co-signor 's credit score had suffered terribly, and the lump sum required to bring my mortgage current was burdensome. Additionally, Fifth Third Bank never attempted to contact my co-signor. Fifth Third Bank did not meet its obligations in notifying me of the loan transfer.
|
| 10/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I submitted for a mortgage refinance and my last mortgage payment with the previous lender ( 53 bank ) was delayed. On XX/XX/XXXX the payment went on but I didn't no so I processed a second payment that went on XX/XX/XXXX.
My old loan closed for the amount of {$380000.00}. The extra payment that I did on XX/XX/XXXX included an interest amount of {$1100.00}. That interest amount was extra as they've already charged me {$1100.00} interest on the payment from XX/XX/XXXX.
They've calculated my escrow refund at {$4000.00}, which included the escrow from XX/XX/XXXX and XXXX payment, but not the extra interest fro, XX/XX/XXXX.
I tried contacting 53 bank numerous times and they argued over the phone with me saying that no, everything is correct on their side and nothing is wrong with my loan payoff, when in fact I paid them {$1100.00} extra in interest. Please see attached all the documents supporting my view.
My loan closed in XXXX, which means I should have been charged 9 months of interest for 2019 ( 9 months x {$1100.00} = ~ {$10000.00} ) but I actually paid them {$11000.00} in interest for 2019
|
| 04/13/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Tuesday XX/XX/XXXX, my car a XXXX XXXX XX/XX/XXXX was repossessed by Fifth Third Bank. I purchased the car from XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fifth Third Bank claimed there was a lien on the car from the previous owner. I have a lien release from Fifth Third Bank stating that the loan obligation was paid. My loan is with XXXX XXXX XXXX XXXX and XXXX has a lien on the car. I have a copy of the title in my name with XXXX as the lien holder. I 've made several attempts to contact Fifth Third Bank trying to resolve the situation. They refuse to speak with me due to the fact that I am not a customer of them. I 've spoken to the DMV regarding this matter, but they can not help with this issue. The bank also refused to speak to a legal attorney XXXX XXXX, who has sent several notices to them regarding this matter. I am currently paying a car note and insurance for a car that is not in my possession. I tried to cancel the insurance and registration but it can not be done without the license plates which Fifth Third Bank has refused to hand over, along with personal belongings which was left in the car.
|
| 11/04/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I applied for an equity loan on several of my investment properties through Fifth Third Bank in XXXX, Ohio on two occasions. The bank officials misrepresented the equity loan eligibility ; knowingly adversely affecting my credit score ; practicing discrimination in applying the criteria for an equity loan. On or about XX/XX/2016, I applied for equity loan on XXXX properties. I was told my rental income was applicable in establishing additional income. I was subsequently denied because of my credit score was lower than a needed XXXX and my debt to income ratio was to high. Five month later, on or about XX/XX/2016, I applied, this time with far less debt and a higher credit score. I was denied again based on my debt to income ratio as being to high but this time they refused to consider my verifiable rental income.
Clearly, the Fifth Third officials were simply playing with my time and adversely affecting my credit score to merely meeting certain application quotes and/or they are willfully discriminating against me when considering other equity loan applications, they are approving but denying me.
|
| 02/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
On XX/XX/2023 I called XXXX. I got the number from what was presented as XXXX XXXX as I was having sign up and technical issues. An XXXX XXXX represented himself as a tech advisor. He instructed me by using XXXX to make dummy transactions and no money would come out of my account. When I realized I was involved in a scam I hung up and immediately called my bank to cancel the transactions. I was told nothing could be done until the transactions posted. Not a very good system to thwart scammers. I was advised to contact disputes which I did. They put the money back pending investigation. Yesterday I discovered they had taken the money back out. I called for an explanation and was told since it was XXXX there was nothing they could do. They knew from the start it was a XXXX transaction. I only have XXXX now because it is a service provided by my bank. If XXXX XXXX involved the bank would be taking care of me! XXXX says its a done deal, nothing I can do or anything they will do. I am a senior citizen on a fixed income. I was taken advantage of and feel completely stupid, and am heartbroken over this.
|
| 10/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
About a year ago, I suffered a financial scam in purchasing a RV. I currently owe {$35000.00} to fifth third bank for a RV that is only worth {$15000.00}! I am completely upside down.
The RV dealer completely lied to me saying this RVs MSRP was {$32000.00} but after the fact I found out it was only worth $ XXXX!
I talked to the RV dealer, XXXX XXXX XXXX, XXXX, TX, about canceling the whole deal before I ever picked up the RV they said they couldnt cancel it I all ready signed the paperwork.
I talked to Fifth Third bank a week after this deal they told me same thing- nothing they could do I signed the paperwork!
If the RV dealer would have been honest with me about the value of this RV-I would have never ever agreed to it. And I wouldnt be in the situation I am now.
How can a bank knowingly give me a loan for {$36000.00} on a RV that is only worth $ XXXX???
Fifth Third bank and XXXX XXXX scammed me. I am completely sick over this whole ordeal. I am stuck with this RV worth {$15000.00} and I owe {$35000.00}!!!
It should be illegal for companys and banks to deceive consumers this way.
|
| 10/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Re : Letter to Remove Inaccurate Credit Information/ Late Payments To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { Fifth Third Bank, NA XXXX Late Payment 30/60 days } By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.
Dates to be investigated : XXXX XXXX, XXXX XXXX, XXXX + Reason= The creditor advised I did not make my first payment on time. However, I was advised the payment was received. I asked the creditor for a letter in reference and I've been told multiple times the letter would be sent. Multiple calls were made ; I was advised the representative does not have access to the portal and was unable to send a letter. This has caused a " domino affect '' on my credit report in regards to accurate payment history being reported on my credit report.
Thank you for your XXXX and help in this matter.
|
| 04/07/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Servicemember |
|
I am a victim of a scam in which the seller never shipped me the item I paid {$780.00} for on XX/XX/2020. They said they shipped the item but demanded XXXX gift cards in order to activate the USPS tracking number. This is when I realized I had been scammed. Prior to realizing this, I paid through XXXX, which I accessed through my Fifth Third Bank account. I contacted XXXX and they said they couldnt do anything to help me considering XXXX is separate from them and I was aware of the transaction. It is extremely misleading when XXXX provides XXXX as an in-app service but is not willing to backup or investigate clear acts of fraud and scams. XXXX is advertised as a similar service to XXXX XXXX an organization that does provide transaction security ), and in the process provides a false sense of security to its users. If Fifth Third is going to automatically attach XXXX to my mobile banking account, they should more clearly specify that they are not willing to help in the case of a financial scam ( even though they should ). Instead, I was tricked by not only the scammer, but also Fifth Third Bank.
|
| 03/30/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Good morning, Please see my attached letter to Fifth Third Bank ( mailed via certified mail on XX/XX/2021. ) The letter details my complaint, the lack of response from Fifth Third, Fifth Third 's loan servicing practices, etc.
The main issue is how can Fifth Third send me a monthly statement on my home equity line of credit and my payoff balance be so radically different from what appears on my statement. I really question the legality of this along with the fact you can never reach a live person at Fifth Third Bank that can answer any of your questions.
Secondly, it took me over 4 months to get 3 old liens released from the title record on the property. These were old mortgages from XXXX that I refinanced with Fifth Third! They could not reconcile their own record-keeping for 4 months!
Please see attached letter to Fifth Third along with my last 2 monthly statements, the payoff letter for my home equity line of credit and the transaction history Fifth Third mailed to me. Please do not hesitate to let me know if I may provide you with any additional information.
Thank you, XXXX XXXX XXXX
|
| 01/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
XX/XX/2019 I was a victim of identity theft andRequested the fifth third bank close my account that I have had for over five years. They agreed to close the account and I found out they did not shut the account down. I ended up filing a police report. I called back again several hours later and the loss prevention team told me they were not going to shut the account down and I could dispute any transactions that were fraudulent to make a long story short I ended up losing {$600.00} that was in my account and fifth third tried to write off {$4000.00} ofTransactions that they allowed a fraudulent company to write bad checks out of the account in which I asked them to close. Fifth third then requested that XXXX XXXX XXXX XXXX review our phone conversations when I requested a 609 fair credit proving that I authorized in writing for the fraudulent parties to indeed make the charges on my account. Which both fifth third and XXXX XXXX XXXX failed to do Fifth third owes me {$600.00}. In addition to removing all negative Calories from the three credit bureaus in addition to checks link in the like.
|
| 03/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Made an {$8800.00} cash payment to my Fifth Third Bank credit card on XX/XX/XXXX. Despite this payment being cash, a hold was placed on the account. I discovered this when attempting to use my card while on vacation in XXXX, Colorado. After discovering this, I spoke with a supervisor at Fifth Third 's customer service number who looked into the payment and removed the hold after discovering it was a cash payment. Days later, after attempting to use my card I discovered that a hold has been placed on my account again. I've called Fifth Third a half dozen times to get this hold removed and I've received excuses from the fraud the department that vary from they can't see what type of payment was made or that they can't release the hold due to policy. I don't understand ( 1 ) why the hold was placed on the payment in the first place, given that it was cash ( even if I have had payments returned in the past, they shouldn't be allowed place a hold on a cash payment given that there's no risk of the funds being returned or stopped ; or ( 2 ) why after the hold was lifted, they re-applied the hold.
|
| 09/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
My wife and I both had XXXX accounts with XXXX XXXX. I am listed as the primary on my XXXX and my wife is listed as an authorized user. My wife 's account list her as the primary and I am listed as an authorized user. My wife XXXX XXXX X/XX/17. I notified XXXX of her XXXX and asked that they close the account. XXXX made an un-authorized change to my wife 's account changing me from an authorized user to the primary. I have asked multiple XXXX representative how this has happened without any explanation. I have also requested for a copy of the application and they claimed they may not have it. My wife XXXX XXXX without an estate to pay her debt. Since I am not a co-signer to the debt and only an authorized user I can not be held responsible for her debt. To date XXXX has removed my wife 's name from her account which shows they recognized her XXXX and wanted to quickly change responsibility to someone else. They had closed the account and within the last month they re-opened the account to an open status. My account still has my wife 's name as an authorized user but it has a closed status.
|
| 01/04/2017 |
Yes |
|
|
|
Web |
|
|
XX/XX/XXXX has sent out an announcement that they are changing out consumer 's current credit card with a new TRIO Rewards card ( same credit card number ). This credit card will come with a XXXX % to XXXX % interest rate. My current card that I have had since XX/XX/2004 is at XXXX %. Does this sound like something I would be interested in. Absolutely not. This is how I can keep the card that I have at the XXXX % interest rate. Close it! Pay on the past charges at XXXX % and open a new card XXXX same credit card number ) at the XXXX % to XXXX % interest rate. Does this sound acceptable? Not to me. If I can not keep my card with the XXXX % interest rate XX/XX/XXXX will be loosing my business. Evidently it is legal for them to do whatever they want when they want but to, after XXXX years with the same interest rate, adjust my rate because I did not do anything wrong is unacceptable. I am expediting my complaint thru XXXX at XXXX different complaint points and wanted to go thru cfpb to also insure that my voice is being heard. My attorney suggested that I go to this site and file a complaint.
|
| 12/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have made a qualified written request recently to my bank and they failed to audit my loan. In response to my written request they stopped taking the mortgage payment via their " bill payer '' automatic payment system then wrote and told me the payment is due XX/XX/XXXX. It was paid today but I have no idea why they stopped taking the payment on their autopay system. I have asked Fifth Third Bank to audit my first mortgage and other old accounts but, they wo n't. My current mortgage account is still being over charged by at least XXXX per month and they admit they overcharged my account XXXX but they wo n't explain why they took XXXX from my bank without my consent in XXXX or why they overcharged me XXXX. The problem is they wo n't refund anything nor will they explain why I am paying to much each month. I know this will l happen again and I ca n't tolerate this equity skimming any longer. I have never missed my XXXX monthly mortgage payment yet, when I try to resolve it on my own, I get treated with disrespect. Please help, I am a senior citizen and I need my mortgage corrected at once.
|
| 02/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
I read last month the Federal Reserve suspended Regulation D ( only allowed 6 transfers per month from savings account via online or telephone ) indefinitely. However it stated each individual bank could decide if it wanted to keep or discontinue Regulation D. I called my bank ( 5th 3rd Bank ) to verify what their position was on this matter on XX/XX/XXXX at their branch at XXXX XXXX XXXX XXXX Oh at XXXX and a male bank employee there told me 5th 3rd Bank had suspended Regulation D and I was free to make as many transfers from my savings account using any means that I wanted toI called 2 more 5th 3rd telephone numbers to verify this info/-I call their call center at XXXX and spoke to a XXXX who told me the same info as the XXXX XXXX XXXX then called the 5th 3rd branch on XXXX XXXX XXXX Oh XXXX XXXX -an employee there named XXXX told me that Reg D was still in effect at 5th 3rd Bank and the 6 monthly transfer limit was still in effect/I really need to know 5th 3rds exact position on this matter because I dont want to violate some regulation and be penalized with losing my current account
|
| 04/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Back in XX/XX/2020, 5/3rd Bank told me that they would refinance my home at 2.5 % for 15 years. They had me pay a {$390.00} loan application fee and said that we would close by XX/XX/2020. They had me give them tax returns, w-2 's bank statements, and every other document that they could think of which I complied. In XXXX, I started calling to see what was going on with my refinance and the loan person kept saying that they are still busy, but they need more docs. Once again I gave them what they requested and have been doing so for the past 4 months. We are now approaching XXXX, I still do not have a closing date. Today, a different person started asking for more nonsense documents. They also had me deposit a large sum with their bank to qualify for this loan, that money has been sitting idle earning almost nothing for the past 7 months.
No one should ever be led down this time wasting path, let alone be forced to give so much sensitive data without any accountability from this large bank. Fifth third has a horrible loan system and people that just do not care about their customers!!!
|
| 06/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Unauthorized debit transactions on an Able account for my XXXX son : First Occurrences ( card activated via phone and stored in home safe. Never used online or at a store ) - XX/XX/2023 and XX/XX/2023 charges were made, {$3.00} each to XXXX XXXX XXXX XXXX, Georgia. Contacted Fifth Third Bank. They temporary reversed the charges and opened investigation.
Card cancelled and re-issued. Second card activated via phone and used only once legitimately to buy shoes on XX/XX/2023. ( Card has never been used online. ) Second Occurrence - Three charges plus foreign transaction fees to XXXX ( {$100.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and an XXXX charge on XX/XX/XXXX. All three also have foreign transaction fees ). Fifth Third Bank has opened an investigation.
My concern is that Fifth Third Bank is not taking strong steps to correct their problems with debit card information. Their response has been to blame it on online bots " guessing '' the card number, date, name, CVV, and expiration date. They also sent a letter encouraging me to sign up for " fraud protection '' with monthly fees.
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| 07/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had a secured credit card with Fifth Third Bank up until XX/XX/XXXX of last year for whatever reason after making my payment they did not posted to my account XXXX Dad closed my account and kept my {$300.00} security deposit they claimed it covered the fees and close the account and I thought all was good. Then in XX/XX/XXXX I noticed it was reporting late on my credit report and there were fees associated I went through all three credit bureaus and disputed this I later received a letter from Fifth Third and the credit bureau saying that the account was corrected which at the time it was now here we are six months later and they claim over {$300.00} in fees keep in mind this is an account that was secured with my own money not borrowing Theres they made up all these fees and they refuse to do anything about it while they continue to report negatively to my credit on a secured card that was my own money. I have tried multiple times to talk to them with no help what so ever this needs to be removed and closed as these are false charges that fifth third made up as they seem to do often!
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| 12/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/2018 I purchased a new vehicle through a dealership. Since I still owed on a previous car loan they sent a check to Fifth Third Bank totaling in the amount of my XX/XX/2018 statement. On XX/XX/XXXX, after the dealer had mailed the check, an automatic withdrawal of {$320.00} was made from my bank account. This was the automatic payments I had set up with Fifth Third bank that recurred monthly around the same date and for the same amount to pay my current loan. Since I knew that they would be receiving a check from the dealership I figured I would eventually be getting a check in the mail for the over payment. When the check didn't come I called the bank multiple times trying to get my money back. I was told they never received the payment. On XX/XX/2018 I sent them my bank statement which showed the withdrawal of {$320.00} that was subtracted from my account towards to loan. Even after this the bank will not return my money as they seem to have " lost '' it. My only option at this point is to contact my own bank and hope they will refund the money Fifth Thirds Bank has lost.
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| 07/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I want a new mortgage servicer. Fifth Third is presently my servicer. They have been the mortgage servicer on my house at XXXX XXXX XXXX MI XXXX for almost 30 years. They are constantly harassing me about my insurance.I spoke with them on or about XX/XX/XXXX about my coverage. I had changed insurance companies. I gave the woman at Fifth Third all the information. I made it clear it was set to auto pay and would not renew until the day before the due date of XX/XX/XXXX. Why should I pay sooner? Under federal law, the servicer must reasonably believe that the borrower has failed to maintain insurance coverage on the home before purchasing a force-placed insurance policy. I have never missed either a mortgage or insurance payment.I called these people and gave them all the info and they still send me threatening letters. This Isn't the first time. Fifth Third is a horrible company and I want a new one. XXXX XXXX holds my loan and they must have dozens and dozens of servicers. Is there any way I could choose a different one? If not how do I file a complaint against my service provider?
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| 08/11/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Confusing or missing disclosures
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Web |
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XXXX XXXX at fifth third bank gave me information that was misleading and inaccurate. when i opened my acct. on XX/XX/XXXX i was told by the branch manager at 5/3 that my checks would be delivered to me within 5 - 10 business days, free of charge. i watched the manager order the checks. they have not arrived. i asked about the on-line banking, he set it up for me and it worked. that was on XX/XX/XXXX. a week ago i had to pay bills so i tried to make a car insurance payment using the online banking. and to an error message. on XX/XX/XXXX i went to a branch and they " fixed '' it and it worked once. but then i could not login. my user ID was invalid. so, after working on my login i could login but i could not use the on-line banking. so i called the customer service line and XXXX told me that it takes 14 days for checks to arrive and that they had never been ordered and there is a fee for the checks. i had to wait 30 day before i could use the on-line banking system. all of this information is misleading and bad! i would like to complain about the misleading information they gave me.
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| 01/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I made my mortgage payment through Fifth Third Bank that was due on XX/XX/XXXX for {$1300.00} on XX/XX/XXXX. I made the payment online directly from my Fifth Third Checking account to my Fifth Third Mortgage. I have a confirmation from the Fifth Third Bank online banking history that shows the payment date as XX/XX/XXXX. However, they did n't post the payment until XX/XX/XXXX. This resulted in them reporting me in excess of 30 days late on my credit report. This is a direct violation of Reg Z that states I should be credited for the payment the day they receive the payment. In this case it was XX/XX/XXXX which is within the 30 day payment window for credit reporting purposes. The bank is permitted to post the payment when they would like but are n't permitted to impose any fines, late charges, or negative credit reporting due to the delay in posting. In this case they reported me over 30 days late because there was a delay in posting. I feel this is a violation of Reg Z and as a result I was reporting as being in excess of 30 days late. I am requesting my credit report be updated.
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| 10/10/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Deposits or withdrawals
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Web |
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On XXXX/XXXX/XXXX at XXXX pm I made a deposit for {$700.00} at the ATM of the Fifth Third Bank office in XXXX Ohio XXXX XXXX XXXX XXXX, XXXX, OH XXXX where I have my account, the ATM did not make the deposit and he also did not return the money but gave me a receipt where he says that due to technical problems the deposit could not be made nor the money returned, I filed the complaint and the bank gave me the amount in credit while the dispute was resolved, after 30 days I received a letter saying that I had lost the dispute and therefore I had to pay the money they gave me in credit, I made a second claim and after another 30 days I received another letter with the same resolution, that I had to pay the money given in credit. It should be noted that I faxed a copy of the receipt provided by the ATM to me on XXXX/XXXX/XXXX at XXXX pm, I have complied with what the bank has demanded on my behalf notwithstanding they still I have proof of the error of their machines they insist that it 's my fault, they closed my bank account and they passed me to a delinquent collection department
|
| 02/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I sold my XXXX on XX/XX/23. I requested a payoff statement from 5/3 bank through XX/XX/23, but it closed on the XXXX. That meant that 4 days of interest were due to be refunded to me.
5/3 Bank did refund the appropriate amount of escrow, but missed refunding {$110.00}.
I caught the error on XXXXXXXX when logging into the portal. I called customer service and the woman escalated to a manager. They agreed I was correct, filed a claim, and said the appropriate amount would be refunded. When the check arrived, it was for escrow only.
I called again on XX/XX/23 at XXXX and spoke with XXXX XXXX XXXX indicated that there was no record of my prior call, that I " must have spoken with another department '' and that he agreed with my analysis but would need to open up a case. He would not give me a case number and said I needed to wait 7 business days for a call back.
The interest paid was for 17 days at {$500.00}. The interest per day was then {$29.00}, and if the loan closed on the XXXX, then I should have paid {$380.00} in interest. Therefore there is a refund due of {$110.00}.
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| 12/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I Spoke To Supervisor XXXX XXXX XXXX She Was Unable To Assist Me She Did Not Answer My Questions I Explained To Her 3 Times That I Had A XXXX And She Was Talking Down To Me Unprofessional And She Did Not Actually Assist Me She Never Provided The Correct Cut Off Date For Deposits Or Transfers When In Fact Per THE Banker At XXXX XXXX XXXX IN All Transactions Posted Before Midnight Would Cover Any Negative Balances. I Made Sure To Cover The Payment Of {$44.00} and It was still Returned On Monday The Entire Time I Talked To Her She Was Arrogant, Rude And Argumentative I Want To Know Why The Banker Advised Me All Deposits And Transfers Made Before XXXX Would Cover Any Negative Balances. Why Are They Not Consistent With What The Information They Provide? According To XXXX After 20 Minutes She Advised The Cut Off Time Was XXXX. Because Of This Information I missed an important ( Medical ) Payment That Was Due And Now I have To pay a {$97.00} Return Fee From That Merchant Because Of Fifth Third Giving Me Incorrect Information I Would Like To File A Formal Compalint Against This Company
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| 02/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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There was damage done to the house by Hurricane IAN.
Insurance company sent check.
Check was endorsed and sent to Fifth Third bank.
They are holding the fund until contractors sign a waiver of lien.
The waiver of lien form does not look like the one specified in Florida Statute 713.20.
The real problem is that the Bank places the consumer in a catch 22 situation where they won't release funds until a waiver is signed.
The contractors won't sign wavers until they are paid.
So I paid out of pocket one contractor and put a deposit with another.
I have uploaded documentation to their website and still no funds have been released.
The following documents are required : Contractor waiver of lien - A lien waiver is a document from a contractor, subcontractor, materials supplier, equipment lessor or other party to the construction project stating they have received payment and waive any future lien rights to the property for the amount paid.
Asking someone to wave their legal rights before they have been paid is ludicrous.
Not releasing any funds makes the entire point moot.
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| 09/16/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I deposited my payroll check in XXXX atm on XX/XX/XXXX for {$570.00} and it cleared and was deposited on XXXX XXXXXXXX.i spent the {$570.00}. Then XXXX I deposited my payroll check for XXXX and it cleared and was deposited on XXXX. Then XXXX my payroll was direct deposited into my account and was cleared.i paid bills and was lefted with {$330.00} in my account on XXXX, on XXXX my account was overdrawn by {$810.00} when I called to see what was going on, they told me they placed a 10 day hold on both of the ATM deposits.after calling 4 different departments and locations one of them let it slip that no one picked the checks up from the ATM till XXXX so my first deposit was lefted in the ATM for 14 days and now I have to wait another 10 days to access the money that is already spent because it was cleared 24 days before I will be able to access it. On top of that I have to put a stop to my direct deposit coming on XXXX for {$520.00} because they will put that towards the overdrawn amount of {$810.00} still leaving me negative {$290.00}. I wont be able to access my money till XXXX
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| 11/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Called into fifth third bank to discuss my overdraft fees and deposits the nasty lady transferred me to a different department in the middle of me talking. They have been charging me excessive overdraft fees even when the overdraft is due to disputes and incorrect charges and fifth third has told me regardless of why an overdraft fee is accessed they would not reverse any fees past XXXX dollars. They lady transferred me to the wrong department in the middle of me talking and asking a question. Trying to use their chat support people the agents just send templates and they end the chats without even speaking to me. They are continuing to charge me excessive overdraft fees and refusing to resolve the matters Im so sick of XXXX customer service with this bank at this point I have a Lawsuit filed against a company branch manager XXXX XXXX at the XXXX XXXX XXXX Illinois location referred me to and I named him in that complaint I will now be taking full steps to add fifth third bank as a third party to that lawsuit this is ridiculous. Nasty XXXX customer service and excessive fees.
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| 09/28/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am XXXX, a XXXX ( XXXX ) XXXX XXXX. In the past few years, I have suffered numerous XXXX XXXX XXXX.
I always had excellent credit, but reached a point of being overwhelmed. I had such a hard time coping that I was prescribed XXXX XXXX and still had a hard time facing it. By mid-XX/XX/XXXX, I decided to pull myself out of the hole.
So, on XX/XX/2017, I contacted my longtime bank, Fifth Third, to advise that I was working with a XXXX XXXX XXXX at a XXXX XXXX XXXX and intended to resolve my credit card debt with them. I asked for The current balance.
The rep demanded {$110.00} or said it would be " written off as bad debt tomorrow. '' When I said I did n't have that amount today, but might tomorrow, he repeated the info. So I said " you ca n't get blood out of a turnip '' and he said - AND I WROTE IT DOWN immediately " we can squeeze the rock as hard as we can. '' This is a DISGRACE.I He then tried to get me to agree to a settlement, when I had already explained I had a XXXX.
Of all my creditors, the one who treated me with threats was my own bank?
Fifth Third -- awful!!
|
| 08/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
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Web |
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Fifth third bank/ MB financial I have two motorcycle loans. they are paid off in XX/XX/2021. Received letter of forced insurance applied and demanding {$8000.00} additional. I called their call center number. They could not resolve. ( Off-Shore call center ). Went to a local bank and provided insurance for the term of the loan. They accepted and realized I also overpaid on the loan by 1 month. The Bank officer said he would take care and resolve.
Today it is 4 months ... After numerous calls and promises they still are " Working on it '' they notified the credit agency and as a result lowered my score.
The call center still calling demanding money. They will not address the overpayment. One department does not talk to the other dept. I have a Bank officer out on vacation. VP at the bank will not return any of my calls or emails. I see this as a bad faith issue where they hope I just pay and go away.
The fifth third bank bought MB financial. This is an internal mess and they are having problems with their accounting systems and culture of being respectful to the consumer.
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| 11/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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Web |
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This bank had the worst online interface right along with XXXX which is why I closed down my account. I was locked immediately from everything. It's not a joke, your group is a bunch of scammers. I expect that I hear no nonsense from your side, things are settled between us. Now, I need you to stop the mailing me following me to my new addresses here soliciting my mailbox with your XXXX. I told the bank and they promised me that I would get no mail and no phone calls. Both have been violated with XXXX advertisements and updates about a closed account. Like I give a XXXX. My account is saved to phone number XXXX and my name is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh. XXXX. You can stop contacting me right now and stop soliciting the usps to get my addresses as well. We finished out now I expect to stop receiving XXXX from this XXXX bank. I will not be contacting you at all so do not expect a response regardless of your " official '' or " unofficial '' response. I do not care about your opinion I told you I felt about your bank. XXXX is better than you. Take care.
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| 01/25/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On XX/XX/2022 Fifth Third Bank charged my checking account a fee of {$4.00} for an International Transaction Fee. I have not traveled out of the country and have not made any purchases from an international vendor. When I reached out to Fifth Third Bank, I was told that this was due to a XXXX Transaction with a company who has an International Headquarters. The XXXX Transaction was completed on a US website in US dollars and shipped from Wisconsin. The transaction did not involve any International components at all. Rather, only that the parent company that the purchase was made from was located Internationally.
The representative from Fifth Third informed me that this happens all the time and that the bank can charge an International Transaction Fee for purchases made through XXXX and XXXX where the vendor has an International Headquarters, regardless if the transaction was conducted in the US, paid in US dollars, and shipped from a US location.
After an hour on the phone and multiple transfers to other departments, a representative was finally able to reverse the fee.
|
| 07/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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On XX/XX/XXXX, I deposited a check for {$5000.00} into my Fifth Third Essential Checking Account. I only had {$2000.00} dollars in the account prior to this deposit. Rather than hold these funds for six days ( which is the length of time stated in their Reg CC Hold Procedure ) to verify that the check was legitimate, Fifth Third Bank made those funds available the very next business day, XX/XX/XXXX.
This out-of-state check ended up being fraudulent from an account that was closed over a year ago, so Fifth Third penalized me the full amount on XX/XX/XXXX because I had already spent {$4000.00} dollars from this account. On XX/XX/XXXX, I called Fifth Third headquarters and notified them of the situation. A representative I spoke to at approximately XXXX named, XXXX, notified me that the issue was not my fault and that the branch shouldve held the check before depositing the funds into my account.
Fifth Third failed to follow their own Hold Procedure, which would have prevented this problem from happening in the first place, and that is why I am submitting this complaint.
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| 06/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Fifth Third Bank purchased our mortgage loan 12 months ago. Our home was purchased in 2020 and has risen in value over 20 % like most homes in the entire Country. I have reached out to them 3 times now about cancelling our PMI. The first inquiry was responded to with an explanation that the mortgage had to be 2 years old before cancellation request. I filed most recently on the 2 year anniversary of our mortgage. This time to be denied on the basis that the " appraisal tool '' their investor uses did not value the property above 80 % LTV. I then appealed and paid for a broker price opinion ( BPO ). The broker appraised our house at a value that puts it at 78.99 % LTV. While I still believe that valuation to be lower than actual value- it should be enough to remove PMI. I now received a letter stating that it needs to be below 75 % LTV. They have made this process a hassle - and continue to move the needle. I have reached out to an attorney to remove PMI and be credited for months overpaid under the Homeowners Protection Act. Shame on this bank for their greedy practices.
|
| 04/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
They incorrectly applied 2 payments to curtailment instead of the current payment that was due that was also noted on the check. This resulted in the bank saying we had a later payment even though we sent in the exact number of payments that were due.
I have called the bank several times, sent a letter and went to the bank branch to request that payments get applied correctly .Over the phone we were told it was fixed only to get a letter the next month saying it was not and in person we were told that they could not change the payments that were applied wrong and the only way to fix this was to send in the missing payment so it did not go to collections. They keep assessing late fees and sending in negative credit reporting even though we have informed them off the issues. I finally was able to get enough money to send the extra payment but would like to have it refunded along with the late fees and have our loan interest/outstanding balance recalculated after the payments are corrected so we don't have to pay anything extra for the mistake they made and refuse to fix.
|
| 03/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American |
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I have a credit card with Fifth Third Bank. XX/XX/2021, a charge appeared on my account for {$190.00} from a creditor XXXX XXXX XXXX XXXX for an annual subscription. First I never use my credit card when dealing with online merchants. I always use XXXX because they screen all charges and notify you immediately when a charge is made to your account.
I disputed this charge and was told that the merchant had my IP address therefore the charge was valid. I informed the Fifth Third Bank that the XXXX address they presented as justification for the charge was not my IP address.
Additionally, I asked for additional proof, whether the company used by XXXX code? No response. Send me copies of any certificates this company issued to me? I never heard of the company or visited their website until Fifth Third Bank gave me the website. This merchant has presented no proof that I ever contact them. I have nothing to send because I never contacted this merchant. The merchant has sent them nothing to verify this charge.
I asking that the charge be removed and they say it is valid.
|
| 08/02/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We were notified we were in Breach of contract with being two months behind on our mortgage and were given until XXXX XXXX 2017. I called to set up a payment plan to bring it up to date by the XXXX XXXX XXXX but were told they could not take single payments only the total due. Then we brought the mortgage up to date by XX/XX/XXXX and received a letter on the XX/XX/XXXX stating that we were still in Breach. Today, XX/XX/XXXX 2017 a woman was dispatched to my house to take pictures, clearly trespassing on my property and confronted by my wife, asking her what she was doing. The women showed my wife where the bank, 5/3 Bank, had instructed her to knock on the door and if nobody answered then she was to take pictures of the house. A week earlier a man from 5/3 Bank had come to the door and my son answered and showed that we were occupying the house and the utilities were on. There is undo harassment coming from this bank. 5/3 Bank is run by incompetent individuals, when you ask to speak to a supervisor you are told that one will call you back and there is never a call back.
|
| 06/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I purchased my current home over two years ago at a guaranteed rate. Shortly after my load was sold to the 5-3rd bank.
I have PMI as I put less than 20 % down. I have made substantial improvements to my home, like the kitchen, bathroom, all new flooring, baseboards, crown molding, interior paint and new lawn and irrigation.
My home has appreciated over the two-plus years as well as I have spent considerable money on upgrades. I contacted the bank on XX/XX/2022 to see about getting the PMI removed.
I have contacted the bank over 20 times online through chat or on the telephone directly, trying to get an appraisal on my home to get a true value for the home and eliminate the PMI charge based on more than 25 % equity.
They continue to say I need to fill out a paper again, or we didn't receive that paper and we received the paper on the 30th, even though I have an email from the bank saying it was received on the 30th. I have sent the same paperwork in to them 3 separate times.
I have been at this for 6 months!!!!!!!!!!!!!
I need help.
Can you help me, please?
|
| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Initially my bank paid my XXXX mortgage twice by mistake for {$1600.00} each time.
I called Fifth Third Bank on XX/XX/XXXX and requested a refund I was told I will get a refund and the associate could not even find out if it will be a check or a reverse payment.
By XX/XX/XXXX ne payment was received I contacted XXXX from Fifth Third Bank and she said a check was already mailed. On XX/XX/XXXX a letter stating my extra payment would be credited toward my account was received, I did not request this and it was not credited nor did I receive a check.
I called Fifth Third Bank on XX/XX/XXXX at XXXX XXXX and spoke to XXXX she said the money was applied to unissued credit, then I told her a check was supposed to be mailed. She then changed her answer and told me a check was mailed but could not give me a check #. She refused to connect me to her supervisor and put me on hold 10 minutes. I called back and XXXX again refused to connect me to her supervisor and just put me on hold again. I never received this money and the payment of {$1600.00} was never applied to my account.
|
| 11/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I called their office of the President, but I'm not waiting for 5/3rd 's internal investigation to wrap up. Every experience I've had shows that multiple agents from the company are acting in bad faith. As such, I'm making a record here, too.
In my last complaint, XXXX XXXX XXXX response was fair, but, given the behavior of everyone else I've met at 5/3rd, she's the outlier.
Today, with her letter in my hand, XXXX at the XXXX branch refused to open an account for me. He explained that since I was only there to redeem the promotion, he was in the right to refuse. He quickly showed me the door. The letter from XXXX saying otherwise carried no weight.
In XXXX, I had an experience prompting my only other complaint ever. That experience resulted in the letter from XXXX. In that experience, the agent at a different 5/3rd branch told me that many branches don't honor the promotions that are mailed out. This makes me believe that it is widely known within the company that they mail coupons they have no intention of redeeming, or only redeem if the customer " buys more. ''
|
| 06/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/21, I was charged {$1800.00} by XXXX on my Fifth Third Bank credit card ending in XXXX. This transacation was then cancelled by the merchant on the same day XX/XX/21, and a credit was issued to my card. As of XX/XX/21, the original transaction has already posted to my account, but I have second debit transaction pending for {$1800.00}. So, I effectivey have two amounts of {$1800.00} being subtracted from my total available credit, one that has posted and one that is pending. I called Fifth Third Bank on XX/XX/21 and spoke with a customer service representive, a supervisor, as well as, had a chat conversation with an employee via the Fifth Third Bank website. All employees said that they can see that the second transaction is actually a credit, but could not explain why it would be subtracted from my available balance. All three simply said that this is the that Fifth Third Bank handles credits. I am not asking for the credit to be posted early to my account, but simply that the second credit transation should not be taking money away from my available balance.
|
| 12/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
After over 20 calls to Lender, I can not seem to get any attention from Fifth Third Bank. I have a XXXX owned loan on my home service by Fifth Third. I entered the Forbearance program at the beginning of the pandemic when it was offered. I was able to miss 6 payments but I made 3 of the 6. The Bank and I elected to add the missed interest ( it's an interest-only loan ) payments to the end of the loan ... .and normal payments were to re-start on XX/XX/XXXX. Fifth Third charged my for an payment in XXXX incorrectly as it was still part of the forbearance period. Their own correspondence agrees with this date. I've made all of my regular payments since XXXX. Not only does the Bank list an erroneous payment ( that was part of the forbearance period ) ... they have now reported it to the credit monitoring agencies and are harrassing my by mail and phone. I believe this to be FRAUD. If they would only spend a little time on this ; they would find out their mistake as it is clear in their correspondence. They are trying to collect 13 payments on this loan in XXXX.
XXXX XXXX
|
| 04/01/2016 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
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I was a customer of Fifth Third Bank Credit Card customer when I was offered Debt Protection in XX/XX/XXXX/XX/XX/XXXX when I was called by a Telemarketer to purchase their Debt Protection Program.
Fifth Third Bank and It 's Successors and Assigns have violated Consent Order of the United States Consumer Financial Protection Bureau Consent Order-File XXXX.
Fifth Third Bank and Assignees, XXXX , XXXX and XXXX XXXX XXXX, XXXX, have violated the CFPA Consent Order by not providing Redress for providing Debt Protection Product that I have purchase after the trial period by telemarketing that I have signed up for while my account was open with Fifth Third Bank.
Fifth Third Bank did in fact represent misrepresent the cost of Debt Protection to me as described in CFPB Consent Order in File No. XXXX Points # XXXX, XXXX, XXXX, XXXX, XXXX & XXXX.
Fifth Third Bank and Assignees, XXXX , XXXX and XXXX XXXX XXXX, XXXX, have not provided Redress to me that the CFPB Consent Order requires because my Credit Card was Charged off and sold to Assigns or Third Party that is XXXX , XXXX.
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| 09/09/2015 |
Yes |
- Money transfers
- International money transfer
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Web |
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Addendum to CFPB Case # XXXX : A Fraudster used an electronic fund transfer method to obtain {$3600.00} from our joint account based on FALSE representation and FALSE promise. The wire transfer fraud involved a mid-morning phone call on Wednesday XXXX/XXXX/15 by an Imposter Grandson pleading for our help since he rear ended a car, was arrested charged with a DUI and is detained at the XXXX County jail, a foreign business man whos car our Imposter Grandson hit, was a rental car and the Foreign business man paid for the damages before flying back to his country. The Imposter attorney called and stated that he was able to work it out with Judge XXXX with a Court order to release our Grandson if he repays the Foreign business man for the damages to the rental car since the business man had to pay it before he flew back to his country.. The Imposter attorney presented us with the promise that our Grandson would be released provided that a payment, which he negotiated down to {$3600.00} be paid according to a court order We can provide concise details of the communication..
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| 07/19/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX my account was logged into by an unknown person. I received numerous messages that someone was attempting to log into my account and eventually that they had successfully logged in. They transferred money four different times using XXXX for the amounts of {$300.00}, {$300.00}, {$300.00}, and {$100.00}. Later on XX/XX/XXXX my account was used again in an unauthorized purchase of about {$1100.00}. Fortunately the {$1100.00} was returned to me on XX/XX/XXXX as it had never fully processed. However, the money that was transferred via XXXX has not been refunded to me in over five months. I have disputed the charge over and over and have been shut down each time. Whenever I go in person to a Fifth Third location I am told that it was obvious I was hacked and my money should come back to me within thirty days. This has not happened yet as Fifth Third claims I was sent codes that I used to authorize the transfer on money via XXXX but I never was. I have tried explaining this many times but it seems like they dont care to listen, especially the disputes office.
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| 05/03/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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on XX/XX/XXXX someone deposited {$7000.00} in my fifth third checking account without my knowledge or permission. When I notified the bank about this mistake. They placed a half XXXX ( {$500000.00} ) debt on my account to restrict me from my account. So I would not have access to the {$7000.00} or any remaining money in my account. They also told me my account will be closed. On XX/XX/XXXX I was expecting a direct deposit from the department of VA in the amount of {$4100.00}. I went to the branch located at XXXX XXXX XXXX. XXXX OH XXXX. The white bank teller rolled her eyes at me and told me they were closing my account. I asked her to call someone at the bank to find out what happened to. my direct deposit. She would not do it and the manager was no help either. Both her attitude and the manager attitude was very unprofessional to say the lease. Fifth third bank is not giving me the remaining funds in my account nor are they giving me the {$4100.00} that was sent to me by direct deposit from the department of VA on XX/XX/XXXX. And I do not owe this bank {$500000.00}
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| 10/31/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My mother XXXX away XXXX XXXX, XXXX. Her name is XXXX XXXX XXXX XXXX. My step father is in a XXXX home and is incapable. I received power of Attorney in XXXX XXXX. After researching their checking account, I I discovered monies being taken from their account that should not have been deducted. XXXX XXXX has refunded about {$6000.00} due to all the areas. I have requested on nine occasions bank statements from XXXX XXXX to XXXX XXXX their were unauthorized deductions from their account due to my mothers untimely XXXX and also my father being a XXXX vet. I estimate they still owe my parents {$5000.00}. XXXX XXXX was deducting {$140.00} from my parents account that was fraudulent. They said my mother requested the accidental insurance during her death. She had already expired. They refuse to work with me to get my mothers final reimbursements for fraudulent charges and items that should have never been deducted due to her XXXX. They keep sending me on a goose chase. They refuse to refund additional monies. They told me that they do not keep Bank statements past 2 years.
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| 04/28/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Fifth Third Bank - XXXX XXXX XXXX XXXX, XXXX, IN XXXX.
I did not request or authorize a debit card. Someone hacked into 5/3rd 's computers and created a debit card and started using it. I found out, reported it, they canceled the card. At that point, I told the bank that withdrew my authorization ( something they automatically link ) for a debit card to be linked my checking, staff assured me that would be done. About a year later the same thing happened - another unissued, unauthorized, unasked for debit card had been " issued '' to a hacker and things were being charged to me. I informed the bank about this and they canceled the card. However, some of the charges were beyond the time frame for cancelling. I contacted management and was told it was my responsibility to monitor the account ( including the card I had not authorized ). They said they would look into weeks ago, and nothing has been done.
Fifth Third 's system allowed this to happen - I never asked for a debit card from them at any time.
The bank has all these records for your review.
Thank you
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| 09/21/2021 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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My account was Hacked/scammed from fifth third bank. My savings XXXX my checking account XXXX account number XXXX as well as their credit card attached to on line banking account # XXXX XXXX XXXX XXXX over XXXX. I filed a police report with XXXX police report # XXXX. I filed with fifth third fraud department. They have been denying my claim ever since now they are messing up my credit report with their credit card which I told them I will not pay. I hired a company XXXX XXXX to get my money back. Her name at XXXX XXXX is XXXX XXXX she tried filing this complaint on my behave # XXXX. I received a letter from you saying she filed this complaint on my behave but did not identify herself so I'm filing this complaint my self. I hope you can help me with this I'm been fighting them since XX/XX/21. They had no security in place whatsoever and let them clean out my Life 's Savings. IAll fifth third was worried about is me closing my account which I told them I will not do until I get my money back. They automatically closed account on XX/XX/21 and sent me a check for XXXX
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| 07/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Fifth Third bank purchased my home mortgage on XX/XX/2021. I received a letter from The XXXX XXXX ( entity from whom the mortgage was purchased ) stating that the mortgage had been purchased. When I called The XXXX XXXX, they were able to give me the loan servicing number for the new account at Fifth Third, however I have not been able to create an account or to get in touch with any representatives from Fifth Third in order to pay my bill. I have not received any correspondence at all from Fifth Third stating that they had purchased my mortgage, or been provided any account number or any other method in which I could pay my bill, and they will not answer any of the phone numbers on their website. I believe per FTC regulations, 5/3 bank should have provided a written notice within 30 days of purchasing my mortgage. I spoke with my original loan servicer, and she said there is a 60 day grace period to pay the new account, but that Fifth Third had also purchased their personal home mortgage and they had not received any correspondence or notification of this either.
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| 09/21/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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In XX/XX/XXXX we realized our debit cards were being used fraudulently and our checking account went negative.
No one from bank contacted us. We contacted them and all charges were credited.
WELL XXXX I was out of town for a month and the same thing happened and then our credit card as which was used fraduently and paid thru our checking account had this happen again, I contacted them and they opened up a fraud claim that was approved, However I called and they stated they had no idea about this fraud claim.
I was at local branch and the teller remembers me calling them ( FRAUD DEPT ) to make the claim from the branch. Well several months later nothing still has been done.
I was credited for a couple of the charges but not everything. I also thought I closed the fraudulent account but it remained open and took us into the negative as well as the new account as well????? HELP XX/XX/XXXX fraud claim opened XX/XX/XXXX CALLED NO FRAUD CLAIM FOUND XXXX opened another fraud claim and received a small credit roughly 240.00 .
I am still missing credit of ove 3000.00 $
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| 03/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XX/XX/XXXX, Fifth Third Bank purchased my mortgage from XXXX XXXX. XX/XX/XXXX, Fifth Third Bank sent a letter informing me of a shortage in my escrow that I needed to pay immediately or increase my monthly mortgage payment. After many calls dealing with unnamed Fifth Third customer service mortgage reps, I came to learn that Fifth Third Bank had decided to pay, or claimed to have paid, PMI payments for periods prior to their purchase of my mortgage. I informed them that the payments had been made by XXXX XXXX in a timely fashion and that any mistaken payment made were not my responsibility.
My contacts at Fifth Third Bank were supervisor XXXX at XXXX and his manager, XXXX. Both failed to resolve their error and demonstrated poor listening/customer service skill.
XXXX of XXXX XXXX at XXXX XXXX has been excellent in her service in her diligence and followup in an attempt to show the payments I had made were apportioned correctly and distributed to the appropriate departments completing all requirements by providing documents to me and directly to Fifth Third Bank.
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| 04/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have read several reviews about fifth third bank not knowing who they were until after I signed the agreement application for car loan to find out so many people have been complaining about this bank they have even been sued why are they allowed to continue mistreating people and taking their money.i am currently trying to get my credit union to take over my loan so that I don't have to deal with others are dealing with .and noone is doing anything about them.i and I'm sure others work too hard to get the run around about their money this is why people are taking it out on one 's like them in a bad way .they should really change their way or something bad may happen to those working for this bank .this day and time is very rough no time for nonsense ..should be great fun to have a job. America allows to much mess to go on with out serious punishment .the reviews I read they all would be fired ..I want out before getting the same treatment. I don't know how I would handle it .I will drive there .since noone else can seem to stop this terrible nightmare behavior.
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| 01/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XXXX of 2018 I relocated to a new state and decided to close my local account and credit card with 5/3 bank. I went into a branch in XXXX KY and closed my account and instructed banker to close my card and paid my credit card in full. I was handed the remaining balance after full payment on my card in cash and was told to shred my card. I never received any mail or further contact from 5/3 indicating my card was open and had a balance. I was not aware until this year when I requested a credit report that my card I was told was closed and paid in full actually was open and had a {$2.00} balance that is now listed as a serious delinquency for being unpaid. I contacted 5/3 and they confirmed that this was their mistake and they would remove this and notify credit bureaus but that did not happen as it still shows up on my report. I also placed a consumer statement on my report at the time explaining as well. I need this resolved as this is inaccurate and unfair and I am being penalized for something that was not my fault. I have always used all credit responsibly.
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| 03/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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In XXXX my wife and I purchased a home. Our mortgage was " sold '' several times in the early XXXX and we refinanced a couple of times. In XXXX we did a refi with XXXX XXXX. In XXXX we paid the loan off in full with never a missed or late payment. In XX/XX/XXXX I applied for a HELOC loan with my local bank, A couple of weeks later they informed my that their was a lien on my house. Someone sold the mortgage and didn't release the lien therefore my HELOC loan was denied. Correcting problem this was put squarely on MY shoulders with no knowledge of loans or mortgages. I eventually tracked the lien to 5th 3rd bank. I literally spent hundreds of hours tracking this down and attempting to get them to release the lien. After months of fighting to reach someone XXXX XXXX told me that they don't have the lien. Everyone else says they do. I have hired a lawyer and he has been working on this for months as well. I have no idea what his final bill will be. And still I don't own my home.
This has been a nightmare for me and my family. Any help would be greatly appreciated.
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| 10/09/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Originally filed a complaint in XX/XX/XXXX regarding same issue.
Just contacted by XXXX XXXX XXXX XXXX XXXX that my payment is past due ( XX/XX/XXXX ). The check # XXXX for {$50.00} has not cleared. I have been assessed a late fee of {$25.00}.
To date I have incurred {$120.00} in late fees ( XXXX XXXX and XXXX XXXX ) due to 53rd Bank 's Bill Pay Vendor using paper checks and not electronic. Also, received cancellation notice from XXXX XXXX XXXX for non payment ( paper check ). Due date was XX/XX/XXXX, paper check dated XX/XX/XXXX, XX/XX/XXXX no payment to XXXX XXXX XXXX so cancellation notice sent to us and lien holder.
53rd Bank Bill Pay Vendor is late again in processing my bill payments. The vendor continues to submit paper checks in lieu of electronic payments.
My bill payments are schedule more than 5 days in advance of due date but yet still the paper checks are not clearing by due date thus I am incurring late fees and additional risks of my credit history being jeopardized.
Recently, 2 of my bill payments via paper check took 10 days to clear.
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| 06/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Indicated committed crime not paying
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Web |
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I have received numerous calls from XXXX among several other numbers but this is the most recent. Several months ago i was receiving these calls also but I impolitely told them DO NOT CONTACT my family as they have recently done also. They did not call back until today. They contaced my mother and stated it was urgent I contact them that they are just trying to help me. I decided to call them back. They claim to be XXXX out of XXXX, GA. They went through this whole spill and sounded legitimate so without thinking this through obviously I gave them my card number to pay the debt because I in fact owe this. After I did this, I then recall my previous conversations with them several mos back and they were rude and making sound as if I were going tpo jail. STUPID me, so I then called and cancelled the card that I had released the info on. These people are harrasing and I would like to know what I can do and whom I can contact to report this and I would like to take action against them if this is not a legit company for harrassment. Any advise you have will help ....
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| 04/25/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Fees charged for closing account
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Web |
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I had an account in 2010 with fifth third bank. In Now over 10 years began receiving harassing calls from company XXXX stating they just received collection account and submitting lawsuit against me for over {$3000.00}. I was in the XXXX XXXX XXXX XXXX, asked them to stop contacting me as I have never heard of them. They began calling my relatives 3 and 4 times a day, continued contacting me from different numbers. When I asked what the matter was, rep said it was from 2010 account with fifth third bank. I have never received correspondence from anyone stating I owed money. Contacted the branch, they stating they can not do anything as the account is so old they no longer have record of. The account was closed in XX/XX/2010. My credit has never been reported by any company claiming I owed the debt. Again the account was closed. I recall being a class action for the bank at one point as well. They continue to call from XXXX or XXXX area codes or toll free. No prior notice has ever been received previously. As stated above, account was closed over 10 years ago!
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| 05/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I opened my account online yesterday ( XX/XX/2023 ) at approximately XXXX EST. I received an email at XXXX today ( XX/XX/2023 ) stating that my debit card had been activated, which it had not been sent to me yet. I tried to log into my account online and it kept telling me my information was incorrect. I called customer service and the first agent said they had to transfer me, so I was then sent to agent # 2. Agent # 2 said that I needed to speak to the fraud department and then transferred me there. The fraud department agent then told me there was nothing he could do after I stated to just close the account completely and told me that I needed to speak to customer service and hung up on me. I then called back again and spoke to customer service who told me that I needed to speak to the fraud department. When I requested to speak to a supervisor, they put me on hold and then came back to tell me that they can not transfer me to a supervisor because of some note on my account and that I needed to speak to the fraud department to even try and close my account!
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| 02/19/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2021 {$5000.00} was removed from my account by an unknown person. I had noticed a few days later that someone hacked into my online banking and changed my contact information. I immediately changed everything back and changed my password, then noticed the bank and was given the phone number for the Fifth Third Dispute Department. I filed a claim and was denied being told that I was the one who put the money into a XXXX XXXX account. I explained the situation and the bank is continuing to say I did this after four disputes. I have been fighting to get my money back for almost 7 months now. I have been told that my identity was verified by a text message but I can not get the phone number that was used. I have tried getting a number for the investigator from the bank and I was told that I can not speak to said person. I have also called XXXX XXXX and they do not have me in their system. I am a student paying for classes out of pocket and the money that was stolen was to pay for my classes. I dont know what else to do at this point. No one will help me.
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| 03/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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I wil need to go back through my phone records for dates. If it comes to that I will. I recently moved XX/XX/XXXX. During my move I purchased a home and had trouble getting closing information from 5/3 bank that the title company said that they never have these problems. After I moved I switch my checking and savings account from 5/3 to XXXX XXXX. I had to call them three times and numerous emails to close 2 savings accounts and one checking account. They charged me fees in the interim because of their incompetence which I paid to avoid credit issues I also stopped my credit card acoount with 5/3 bank after I had another fraudulent charge. They said they wanted to send me another card. I told them NOT TO SEND THE CARD! They did not send the card. The card has charged on it and I never received the card! I talked to their security department and their no coustomer service department for over 1 hour and got nowhere. I just received another threat to get payment for something I never purchased. I told them to send me an affidavit and they have not. HELP PLEASE.
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| 01/29/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a new checking account with fifth third bank on XX/XX/2018 with {$50.00} deposit. About a week later I check the transactions, the new account is negative {$60.00}. The two transactions were XX/XX/2018. The first transaction was for {$27.00} and the second transaction was for {$40.00}. I did not do either of these transactions. My new debit card did not arrive at my address yet. I called customer service to explain these fraudulent transactions.
Also, the transactions were made in XXXX XXXX and XXXX XXXX XXXX. I have not been in this area of the city in months. The merchant that approved these transactions should have cameras. Were these debit or credit transactions? If pin was used, how was it activated? If credit, you can compare my signature with the thiefs signature. Fifth third sent me a letter stating they will be reversing my temporary credit of {$67.00} on XX/XX/XXXX. The bank states the card was not reported lost/stolen. How can I report card lost/stolen if I was still waiting to receive it by mail? I want my {$67.00} back into my account.
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| 07/18/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I was given incorrect information by Fifth Third Bank 's Homeowners Assistance Specialist, XXXX XXXX. I advised XXXX on XXXX/XXXX/15 that I secured employment and would start working after the first of the year. He advised me to reapply for Hardship assistance after I had 30 days of year to date income at my new job. Proof of XXXX ( fore mentioned ) instruction has been attached for review. I mailed the application back after having 23 days of year to date income. I received a letter from Fifth Third Bank informing me that due to the pending foreclosure sale date, there was not sufficient time to review my hardship application. I had been unaware of the foreclosure prior to receiving the letter. Unfortunately following XXXX direction in waiting to reapply for assistance resulted in the foreclosure of my home.
Fifth Third later advised that my account was approved to pursue foreclosure on XXXX/XXXX/15 ; however, after communicating with XXXX several time via phone and email between XXXX/XXXX/15 through XXXX/XXXX/15 ; he failed to inform me of the foreclosure.
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| 02/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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When making my payment in XXXX, I think there was a misunderstanding about how it would be applied. I reached out to the chat and directly to customer service for guidance on a payment on XX/XX/10. I believed this payment would keep me current. There was also a payment in early XXXX that I believed was on time and keeping me on track. Im not sure if its possible to review those calls or the chat but I wanted to bring it to someones attention. It seems like theres a lot of confusion and I am doing the best I can to hold up my end as the consumer. Currently, I can not use the card at all. Though I have available credit, all charges have been declined whether in store or online. Representatives have been unable to explain why. I was told I was in collections and also told I had a fraud watch and then told within the same phone call that neither of those are accurate. Im frustrated as a consumer and we all make mistakes. I know credit reporting needs to be accurate and I agree. But I also think creditors need to be accurate with what the status of an account is.
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| 08/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Late or other fees
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Web |
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I am a customer of 5/3 Bank since 2008. I have 3 checking accounts with them.
During all the years, 5/3 has consistently paid the largest amount and left smaller ones unpaid in order to charge " non-sufficient funds fees ''. Then, they started charging service fees in the account " with the lowest amount of funds '' again, to charge non-sufficient funds fees. I contacted them early XXXX regarding fees going from {$11.00} to {$29.00}. They told me they charge fees on fees.. I said then that I would pay what I owed by the end of XXXX. We agreed that I would pay and that it would be it. But, since that day, I have received phone calls from their XXXX offices, as early as XXXX XXXX in the morning, telling me about the fees. In the beginning, I answered and told them that we had made an agreement. But, that did not change the MANY DAILY CALLS FOR OVER 3 WEEKS from early in the morning until late at night. It has been constant harassment, telling me time and time again about the charges made, but never checking the payment arrangement we had already agreed upon.
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| 01/03/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Fees charged for closing account
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Web |
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My former employer provided health benefits with an HSA account that they setup with a local bank in XXXX, Fifth Third Bank. I tried to close the account and they said that they were going to charge me a fee and in addition, they have been charging me a monthly fee on a deposit account with no activity for years now. I have ignored the problem in large part because of the inconvenience but they have now drained more than half of the assets from the account, have constantly cancelled debit cards or not provided a way for me to access my funds and still insist on charging me a $XXXX fee simply to retrieve my own money and close the account (which is less than half of what it originally was due to service fees). When I call they have absolutely no regard for this problem and insist that these were part of the terms of my account. I did not chose the financial institution because it was an employer supplied HSA plan. I am extremely frustrated and out hundreds of dollars in fees on an account I did not use and have basically left as a deposit for them for years.
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| 08/24/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Have you tried to resolve your complaint with anyone? : Yes Describe your complaint : I have XXXX XXXX XXXX I diagnosis in the month of XX/XX/2018 my XXXX XXXX was started on XX/XX/2018, I am not working since that time I was behind on my MORTAGE payment XX/XX/XXXX XX/XX/XXXX and XX/XX/2018 on XX/XX/2018 I deposited two checks from different Account {$3300.00} in my checking account and on the same dayXX/XX/2018 I called my 5/3 MORTGAGE Department to let them know that funds will be available after 2 business days for my MORTGAGE payment which will be MONDAYXX/XX/2018, what the mortgage department did they CREDITED MORTGAGE payment on FRIDAY XX/XX/2018, these are professional bankers without checking my AC they charge me OVERDRAFT FEES {$37.00} three times, the specialist did not resolved my issue instead of that he blame on me that you means I am allowed them to charge mortgage payment there is recorded conversation, I humble request you to resolve my issue at your earliest for overdraft fees which is totally unacceptable 5/3 bank forcefully charged me.
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| 07/19/2016 |
Yes |
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Web |
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In XXXX 2016, I opened a checking account with Fifth Third bank. Once the account was setup, I used the mobile deposit app on my smartphone to deposit XXXX money orders. A few days later, I lost online access and I received a letter in the mail stating that the Money Orders were fraudulent.
I was able to deposit the same money orders with XXXX XXXX XXXX.
Earlier this month, I applied for a Fifth Third Credit card and was approved. I wanted to have online access to the account so I can manage the account and pay online. Security & Fraud department of Fifth Third Bank would not allow me to have access online because my account is locked because of the issue above with the Money Orders.
I was told to contact my local branch and they might be able to request an over ride with the Fraud Department. Local bank requested they need to contact XXXX XXXX to verify the Money Orders are valid. XXXX XXXX said Fifth Third Bank needs to make a conference call with me on the line.
I have not heard from Fifth Third Bank regarding the conference call with XXXX XXXX.
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| 09/08/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Hi, I need to submit a dispute for 6 transactions made with my debit card ending in XXXX.
My account was closed without any communication or advice so I cant access to my online banking to see the exact amount in dollars and posted date.
1. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX must be delivered on XX/XX/XXXX XXXX. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX must be delivered on XX/XX/XXXX 3. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXX home theater sound system, must be delivered on XX/XX/XXXX 4. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXX home theater sound system, must be delivered on XX/XX/XXXX 5. Transaction date XX/XX/2022, International currency XXXX, Laptop XXXX XXXX must be delivered on XX/XX/XXXX 6. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXX, must be delivered on XX/XX/XXXX I tried to contact the merchant several times by phone and emails, but they never answered.
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| 02/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I was in arrears due to decreased income from the pandemic, and called to try to work out a way to get current. Fifth Third Bank was entirely unwilling to take anything than the full amount up front, and clearly thought they could get stimulus money first from me when I dont have any. They opened a whole program around this and prey on folks support checks.
After working two weeks to get the amount needed to fix the loan status, I called this morning to arrange payment. Ive also made regular payments even while in arrears of the due amount to try to get Fifth Third something.
They told me now that the amount they asked for two weeks ago isnt good enough, and the account has been charged off and I need to pay the full balance of the car.
I hear about other banks working with folks to lower payments, or add them to the end of the loan, and so on - Fifth Third wont even try to work with me to get an account current on the same impossible terms they gave me two weeks ago! The goalpost is always moving and they do nothing except demand more with each call.
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| 08/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Unbeknownst to me I found out that my home was in foreclosure, because I started receiving letters from local attorneys offering to help me with my foreclosure. I was completely blindsided. I contacted my bank and was told that I had missed making 8 payments, hence the foreclosure. I tracked all payments coming out of my checking account and brought that to the attention of the bank representative that I was talking to. She discovered that all of the last 8 payments had been applied to my escrow account. In fact the most recent payment was denied on XXXX XXXX and supposedly returned to my checking account on XXXX XXXX. I have not received the returned check. I have been a widow for a year and a half and due to the unexpected death I was left with XXXX vehicles to make payments on. I was just informed by my nephew who was borrowing one of the vehicles that it was repossessed from his home. Payments had also been made, some a little late. I want to keep the house, along with a loan modification, the payments applied correctly and my missing money returned.
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| 08/08/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I had a lien through Fifth Third bank on my vehicle. I paid the lien off on XXXX XXXX, 2016 and it is now XXXX XXXX. I have called for the past two weeks to have them fax a document over to VA DMV with the notice that my lien has been paid in full and to release the title so that I can transfer it over to the new buyer. I have explained to 53rd that I do not need the actual title and just a lien release statement. To this day they have still refused to fax anything over. They have also told me on several occasions they are faxing the docuemtnation over. Each time this has happened they have not actually faxed anything to DMV. I have requested to speak with a supervisor, but only been told no one can come to the phone to help me out and just left on hold.
The letter that was sent to DMV was a notice acknowledging they have received my wire transfer and the loan has been paid off. However it did not include my VIN # or the vehicle. They keep telling me the transfer is still being processed and I must wait 10 full business days before my lien is released.
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| 06/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was with XXXX XXXX XXXX XXXX. It was transferred without my approval to Fifth Third Bank. I received a letter in the mail on XX/XX/XXXX telling me the mortgage was transferred and to go online and create an account. I went online to do that and it said that I was unable to register and to call in. I called 5/3 on XX/XX/XXXX and they said the mortgage was not set up yet in the system and to call back on XX/XX/XXXX. To be safe I waited until XX/XX/XXXX to call back. They informed me that my cell and e-mail were not correct on the record. They updated my cell and said to wait 24 hours to call back to do a text verification. To be safe I waited 48 hours and called back XXXX XX/XX/XXXX where they told me it would take 14 days to activate text verification. I asked to speak to a supervisor who said she could not help me. After I asked for my mortgage to be transferred back she hung up on me. So three calls in and I can't register my account and pay my mortgage. I know I have a 60 day grace period but the process and customer service is terrible.
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| 12/18/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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I entered the 5th 3rd XXXX in XXXX, IN on XXXX/XXXX/XXXX to open a checking account and have some refunds from XXXX XXXX deposited into the new checking. The teller got me to banker who started off friendly and took my social security number and driver 's license. I told her I was trying to get {$11000.00} in XXXX XXXX refunds deposited into this new account. After that she was not friendly at all and became hostile towards the end of our conversation. She told me she would not open an account and did not provide any reasoning. I would like a written reason why I 'm being denied a checking account. I confirmed she did n't even run a XXXX inquiry. I believe she was trying to avoid compliance paperwork since the transaction would have been over {$10000.00}.
While speaking with the banker she asked me why XXXX closed my 5th 3rd credit card on XXXX/XXXX/XXXX. I told her I did n't know that the letter just said business decision. Since I 'm entitled by the law to know why the account was closed I would also like a letter stating exactly why I was closed.
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| 03/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX XXXX, 2023, I received a statement for my mortgage for the upcoming XXXX XXXX 2023 payment, and it incorrectly reflects what I am supposed to owe. I have a fixed rate mortgage and there is NO ESCROW on my account. I have told the company about this and they have not properly fixed my account since they purchased it in XXXX. Even though I have paid them the proper amount exactly on time every month, for some reason this month they are charging me {$74.00} extra for " escrow '' fees which I don't have. At this point I feel as though I am getting harassed by attempts to get me to default on my loan. This company also doesn't allow me to submit for auto-payments which again feels like an attempt to get me to miss a payment.
My fee due for XXXX should be the same as this past XXXX, XXXX, XXXX, XXXX, and XXXX. Its simple.
Also, the statement says there is a negative {$890.00} in my Escrow Balance. I have no escrow so that should be {$0.00}. There has never been one. I pay my taxes independently and property insurance independently.
Thank you.
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| 10/31/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have used money order to put in my account for {$7500.00} on XXXX XXXX in my fifth and third bank, because I need to open a credit check to buy my car, and XXXX days later I has been told that It was not available because they need to hold that cause it was a big money until XXXX XXXX, that is ok, I can reschedule the title transfer date with the car owner, can on XXXX XXXX, I have also used money order to put in my account for {$1600.00} because I need to pay my rent on the due of XXXX XXXX, and my account frozen, I can not even get out of my money, the company said they could do nothing about that, they asked me to wait for 7 to 10 business days, that is ridiculous, that is all of my money, and they asked me to borrow money from others, so ridiculous, I just moved to USA and I don't have a friend here, this is all their fault, I need the money to pay the rent, I don't wat to pay the delay fee because the XXXX bank, and I also need the money to buy my car, I couldn't walk everyday for 1.5 hours to work!!!! so ridiculous, is this the USA bank! XXXX
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| 02/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I found out today XX/XX/XXXX that 5th 3rd Bank failed to properly release my mortgage that I had with them. The mortgage account number is XXXX. The mortgage was paid off in XXXX of XXXX. On XX/XX/XXXX the XXXX County Recorders office received an improperly filed mortgage release from 5th 3rd in which case they failed to file the prior reference, volume, and page number. The recorders office stated they sent the release back to 5th 3rd on XXXX. As of today 5th 3rd bank failed to properly release a mortgage that was rightfully paid off in XXXX of XXXX. When I called the 5th 3rd mortgage department they gave me a case number XXXX. They informed me that it would at least be 3 days before I heard anything from them. They also said this process could take 90 additional days to complete. THIS IS A MAJOR PROBLEM FOR ME. I cam in contract to sell my home and buy another one and I can't sell my home until this mortgage from 5th 3rd is released!!!! Please help CFPB!!!!! If this this mortgage isn't properly released soo I could loose the chance to sell my home.
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| 07/08/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2018 I arrived to my XXXX in XXXX XXXX ( confirmation code HMR XXXX XXXX ) The place was absolutely disgusting and unsafe.
I communicated with XXXX and also my bank to help file a claim.
We did not stay for even 24 hours.
Fifth Third bank instructed me to NOT SPEAK to XXXX further, that their " resolution team '' would handle XXXX. The 5/3 representative assured me I had nothing to worry about. I explained the situation THOROUGHLY to the agent. She said to sent her photos, correspondence and well as phone records etc. I did so.
In, my opinion after 5/3 bank realized I was not a XXXX XXXX dollar customer, they did not bother to work on my behalf.
I was issued a provisional credit as I did not receive the service that was charged on my card.
Sometime later, Fifth Third bank decided that I was at fault for the matter. The agent asked me if I HAD reached out further to Airbnb ( I was told not to do so ).
The final resolution was that I needed to resolve the matter on my own. I would have done so, however, I was instructed otherwise.
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| 09/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I Tried to call the bank to open a merchant dispute but nobody answered the phone call, so I want to dispute it through here.
I made 4 purchases on the store, but they didnt have stock of the products at the same place so they will send it from their warehouse to my address.
XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00XXXX XXXX XXXXXXXX XXXX XXXX All items must be delivered on or before XX/XX/2023, but never arrived. Also the merchant never provided a tracking number, delivery confirmation or any other shipment information. I tried to reach them several times to get that information by the website and phone calls but nobody respond. The first contact was in XX/XX/XXXX and the last was XX/XX/XXXX. Im not on that city any more so its impossible for me to go in person to the store. XXXX ending in XXXX I have the invoice that I want to share with the bank to support my case where is written they will send the purchase by XXXX
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| 09/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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5/3 mortgage insurance services paid homeowners insurance for another individual out of my escrow account. The payment occurred on XXXX for {$630.00}. I noticed this because later on XXXX I saw that my normal insurance premium was paid out of my escrow. I first notified 5/3 on about XXXX. They explained what had happened and confirmed that the policy paid was not my policy. Since 5/3 have contacted me with updates a few times and I have contacted them several times. On XXXX XXXX notified me that the other person 's insurance had agreed to refund the premium. On XXXX they notified me that the refund had been processed by the other person 's insurance but was sent to the wrong XXXX XXXX XXXX On XXXX 5/3 notified me that the refund had occurred. I called back XXXX to inform them that I did not see any refund in my mortgage transaction list.I do not understand why it is the insurance company 's job to refund the money that 5/3 took from me. On or about XXXX XXXX sent me a statement of escrow increase showing that the {$630.00} made my escrow negative.
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| 09/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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XX/XX/XXXX I refinanced my mortgage with the same bank that had held my mortgage for 5 years. I have always paid on time and my property taxes and insurance were escrowed and it was my understanding that all taxes due at closing were paid. XX/XX/XXXX the county treasurer sent me a letter stating that my XX/XX/XXXX taxes had not been paid. I contacted the bank and they informed me that they paid the late penalty and took the overdue taxes out of my current escrow and that I therefore owed them that amount ( @ {$3000.00} in back taxes ) in order to balance the account out and so that they would have the money to pay my taxes XX/XX/XXXX. I have asked them what happened to my escrow that was supposed to have been paid at the closing. I have received a letter stating that I should contact the title company or settlement attorney ( all of this was handled by them ). When I have spoken to them on the phone, they become very officious and demeaning and do not seem to understand the issue which is they told me that my taxes had been paid when they had not.
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| 12/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I am a new resident to XXXX XXXX and they require a copy of my original sale agreement/note/sales contract in order to register my car. On XX/XX/XXXX I called 5/3 Bank ( XXXX ) XXXX on XX/XX/XXXX and requested a copy of my sales agreement and was told it would be emailed 2 business days later and it was not. I then called again on XX/XX/XXXX and expressed the sense of urgency as it is causing me a financial hardship and I was told it would be faxed to me within 2 business days and emailed again within 2 business day, except they would request the fax on a rush. This did not happen. Again I called on XX/XX/XXXX and was told there was nothing they could do and that they would send it to their research department which would take another 2-3 BUSINESS days. The supervisor XXXX refused to escalate the matter and this is why I'm writing this complaint. This has caused me extreme duress and financial hardship as I can not register my car in DC and the VA tags have expired. This means I can XXXXot drive anywhere and I have to XXXX which is cost me money.
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| 10/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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Fifth Third Bank dropped my credit score by 80 points ( from " very good '' to " good '' ) over {$3.00} in trailing interest they added to my credit card after I paid it off. At no point did I receive an email, phone call or text message letting me know the amount was due - despite my account information being current and my having signed up for text messages.
It doesn't seem fair that my credit score has been impacted over such an insignificant amount in the manner that usually happens to people who fail to pay mortgages or default on car loans totaling thousands of dollars. I'll note that Fifth Third didn't report the amount of the default to at least one agency, so the mark on my credit is the same as someone who had missed, say, a {$2000.00} mortgage payment.
I reached out to customer service on several occasions and was told " there's nothing they can do. '' An 80 point credit score drop seems out of proportion over my failing to pay {$3.00} I was unaware I owed ( and which, for the record, I paid immediately upon learning it was due. )
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| 01/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I previously filed a complaint with CFPB for the same issue. I was able to pay the correct amount for one month because their company representative contacted me and was able to tell me via phone the correct amount to pay. The payment amount seems to change monthly and they only notify me via mail that comes after the due date of the payment. Their online system is broken- the login does not work well and I am unable to login without calling customer service. Once I do login, their online site does not show statements ( as advertised ). Their call center at XXXX has an average XXXX hour wait ( today it did not even connect ). Their backend accounting system looks like an antique, I've received mailed transaction pieces that look like they've been typed. I have paid the amount that I thought I owed every month and every month it changes, they do not apply my payment, and give me late charges even though they do not notify me of the new charges in a timely manner. I just need to know how much I need to pay every month and why the payment changes.
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| 07/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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AROUND EARLY XX/XX/2022 I RECEIVED A NOTIFICATION OF A NEW FRAUDULENT ACCOUNT OPENED AND REPORTED ON MY CREDIT PROFILE BY THE NAME OF " XXXX XXXX. UPON RESEARCH THIS ACCOUNT SHOWS IT WAS OPEN XX/XX/2022, BUT IT JUST WAS REPORTING TO THE CREDIT BUREAUS IN XX/XX/2022. I CALLED THE PHONE NUMBER OF THE " XXXX XXXX '' ( XXXX ) XXXX XXXX BUT DID NOT RECEIVE A LIVE PERSON AND GOES TO AN AUTOMATED MACHINE WHEN I TRIED TO REPORT THE FRAUDULENT ACCOUNT.
I HAVE BEEN DEALING WITH THESE FRAUDULENT APPLICATIONS BEING SUBMITTED ON MY BEHALF ALONG WITH MY MAIL BEING STOLEN FOR QUITE SOME TIME NOW. I HAVE NOTIFIED THE XXXX POLICE DEPARTMENT, FTC, UNITED POSTAL POLICE, AND NOW THE CFPB WHICH IS ATTACHED.
AFTER ANALYZING MY ACCOUNTS AND STATEMENTS I'VE TO REALIZED FUNDS WAS WITHDRAWN FROM MY FIFTH THIRD BANK ACCOUNT IN THE AMOUNT OF : {$8500.00} ON XX/XX/2022 {$200.00} ON XX/XX/2022 {$500.00} ON XXXX XXXX {$8500.00} ON XXXX XXXX {$6000.00} ON XXXX XXXX I HAVE CALLED AND NOTIFIED THE FIFTH THIRD BANK ABOUT THIS MATTER WHICH PUT MY ACCOUNT IN A NEGATIVE BALANCE.
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| 03/29/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I opened a checking account with 53rd bank online on XX/XX/XXXX. Everything went fine until almost a month later i realized that i couldn't log on to the online banking or access to my funds. When i contacted the customer service on XX/XX/XXXX i was told that my account might be approved by error. So i asked to just close the account and return my money. The representative said ok and that the account balance would be mailed to my home in a check. On XX/XX/XXXX when i still not received the check i called again and spoke with a rep named XXXX. He apologized for the delay and said he would put a request to reissue the check and mail to my home. But as of today still no check in the mail, and I'm still receiving the bank statements so obviously they did not close my account as they promised. I called the bank this morning again 4 times. Each time i was transferred to the fraud department where nobody ever picked up the phone, i waited for over an hour until the phone battery died still nobody answered. I have no other option but to come to CFPB.
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| 10/01/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My purse was stolen along with my checkbook, bank card and I'd. The bank was informed within minutes. I closed my account. The bank opened a new account. Two checks were fraudulently written. The bank erred in protecting my new account. One check was corrected, but the bank refuses to take care of fraus dweck of XXXX. Despite the fact I signed and submitted an affidavit if fraud on both checks on same day. Meanwhile my account is now overdrawn. It refuses to give me my money I deposited from my paycheck before any of this fraud. The bank refuses to acknowledge the disputed fraud check. I've filed police report. The bank and police are aware both of the fraud checks were written on same bogus account and name on the sa.e day. The bank reversed all of my on line payments in order to pay itself back, but not correct the fraud error. I've been told over phone it could take 30 to 90 days to investigate, but refuses to tell me why the fixed one fraud check and not the other. Police have told me the fraud was likely committed by the felony lane gang.
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| 06/02/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I received a loan from fifth third bank to purchase a new vehicle. I called them in XXXX 2017 and asked for a full payoff amount. I specifically asked how to accomplish that and was given a number. I went to their website, accessed my account and paid that amount in full. my account showed a XXXX balance. I was told by the representative for fifth third bank that my title would be maile d in 2-3 weeks. I did not r eceive the title and in fact, received an invoice for a full installment payment of XXXX dollars abo ut 6 week s after I had already paid the full balance. this was accompanied by a late payment notice from the bank! I called them and they admitted the invoice they sent me was fraudulent and instead they insisted I pay an interest / penalty amount of XXXX ! I am going to sue them for fraud and breach of contract but I would also like this to be investigated. this is clearly a scam they are using to jam consumers for more interest payments and penalties when they go to pay off their loans. these scammers need to be stopped.
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| 09/12/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I made a previous claim with this company with Consumer Financial, and the company responded and sent a letter in the mail. The mail stated that they had to close my account to protect them. Here 's the problem. Before my account was closed, they blocked my access from logging into my account. I was still getting email notification, and was given a number to contact XXXX XXXX, but she never called back when a message was left. Recently I saw something in the mail that I owe them move because my account is overdraft, and if I do n't pay it by a certain time it will be sent to a collection agency. WHY CHARGE ME WITH AN OVERDRAFT AND FEES ASSOCIATED WHEN I COULD N'T LOGIN TO THE ACCOUNT BECAUSE I WAS BLOCKED FROM THE ACCOUNT, as per Fraud department. It would have been easier if I had access to my account, put money or went to the bank, rather than reporting to the consumer agencies that I overdraft my account, which had more than {$2000.00} in it when I had access to the account. This is fishy, and I will look for an attorney. This is cruelty.
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| 12/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My daughter XXXX received her annual escrow statement from Fifth Third bank with a substantial increase in mortgage payment. Partially due to an increase in property taxes and insurance but a large portion relates to the cushion analysis for the upcoming year. The concern is that the ending balance in the XXXX projection does not agree with the beginning balance of the XXXX projection. After almost 2 months and trying to resolve this with Fifth third I was able to determine that they had deleted one months escrow payment from the calculation. I have emailed this information to them for correction. However, they are not returning my calls or responding to emails. I have delt with XXXX XXXX, her supervisor XXXX ( I believe the last name is XXXX ) and another supervisor XXXX, who would not provide a last name. I analyze my daughters escrow every year and XXXX with 28 years of experience. Fifth Third was unable to answer ( or unwilling ) my questions and this has been a very frustrating experience. I am not sure they will ever resolve the issue.
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| 12/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I deposited a check for XXXX on XXXX I asked the clerk when it would post and she told me XXXX. Now there is a hold on the deposit and I cant access my money until XXXX.
This is a check the cash value of my surrendered life insurance policy. It was printed in the XXXX of XXXX and I just received it in the mail on XXXX.
Their reply is there is a confidential source that states the funds may not be paid. I have bills to pay! That is why I cashed in my policy. My Father died on XXXX and I have not been working since. I have XXXX children to care for and my car note and insurance are at risk of being repossessed and cancelled.
This is not right. Had she been truthful with me I could have cashed the check at a XXXX XXXX and paid the fee for the processing.
Fifth Third Bank is not the bank to bank with.
I called them this morning to ask them to release the funds and all of the agents I spoke with are reading a script and telling me to refer to the letter, which I already read, in regards to the hold process.
I am so frustrated right now!
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| 04/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Older American, Servicemember |
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XX/XX/23 I updated my phone number and now I am locked out from signing into my bank account online for 14 days, is this legal XXXX, do you have the government regulation right to do this? Several hours with several customer service, changing and changing my password and as no one knew this new policy - My second complaint is I put in my dispute with the bank for a XXXX refund. XXXX picked up everything on XX/XX/23 and today a supervisor in XXXX dispute department stated they have 90 days before even submitting the dispute to XXXX, THIS IS NOT CORRECT OR EVEN LEGAL XXXX, you have 90 days to complete the task period and 5 days later you are still working on what to do. XXXX will only refund the money upon receipt of the dispute and I want it sent immediately {$660.00} dollars I am waiting on and XXXX has the refund confirmation letter, WHAT MORE DO YOU NEED XXXX. This bank has unethical practices and I as soon as all transactions are complete, I am leaving the bank. LOCKING SOMEONE OUT OF THE ONLINE ACCOUNT FOR 14 DAYS IS BS FOR ANY REASON!
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| 10/10/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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on XX/XX/2022, i went to a branch to opened a checking account with XXXX XXXX, i deposited my work check of {$800.00} dollars, the funds were deposited and i could see those funds when i log into my account, i was told i would received a debt card in the mail 5-7 business days after opening the account, today is XX/XX/XXXX and i have not received a debt card, my rent was due on XX/XX/XXXX and now i'm late and was charged a {$58.00} late fee from leasing office and a notice to evict, i work overnights long hour shift, so that made it difficult for me to go inside a branch to load cash.
each day i called the wait time exceeded 30 mins and call just looped over and over, finally today XX/XX/2022 i spoke with different customer service reps with 5th third and was told the debt card was sent out on XX/XX/XXXX and it will take 5 - 7 Biz days, yet i opened the account XX/XX/2022.
I believe 5th third is holding my money XXXX and i urgently need access.
i can not pay my rent, i cant buy gas or food, because i have no card to pull money from.
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| 10/07/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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I was 19 days past due for my Fifth Third Bank mortgage it was due XX/XX/XXXX and I paid it online on XX/XX/XXXX. Fifth third bank had the audacity to send someone to my home on Sunday, XX/XX/XXXX and I was not home my children were and they handed my XXXX year old daughter an envelope and questioned her about my whereabouts my daughter said she was very rude with her. Then I received a phone call today, XX/XX/XXXX and they refused to tell me what company they were calling from. I found out because I hung up and called the number back. # 1 they should not have came to my home for a payment that isn't even 30 days late and they harrass me with phone calls. Something needs to be done with this bank. They dont need to come to anyone 's home for a 19 day late payment. Please look into this this has to be breaking some type of law. I have never heard of a company come to your home and harrass you ... they basically harassed my children. I called them today to complain and the representative said she knew nothing about a lady coming to my home.
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| 08/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Card # XXXX XXXX XXXX XXXX According to the offer the credit card holder was supposed to receive a XXXX ( {$150.00} ) in 5/3 Bank reward points if the following conditions was to be met : {$500.00} or more purchase within 90 days of account opening. The bonus was to be awarded 6-8 weeks of meeting the obligation. The obligation ( {$510.00} ) was met onXX/XX/XXXX when the amount of the invoice was paid in full. As of today I received no bonus despite contacting the 5/3 bank twice ( XX/XX/XXXX and XX/XX/XXXX ) was being informed that the points will post in XX/XX/XXXX statement period. When I called today the CSR informed me that wanted to open another case for the issue despite the case with required follow up ( it did n't happen ) was opened already ( # XXXX ). It is apparent that the 5/3 Bank is not interested in awarding the points and it keeps stalling which in itself is a breach of contract. It is also very reprehensible that the bank employees so blatantly lie to card members which also reflects poorly on the culture within the bank.
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| 01/23/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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1 -On XXXX XXXX, I received an email from 5/3 Bank stating that a {$250.00} cash bonus would be earned if one would " Deposit {$25000.00} or more in new balances into a new or existing Relationship Money Market account by XXXX/XXXX/XXXX. '' The other condition listed was that the balance would need to be maintained until XXXX/XXXX/XXXX to earn the bonus.
2 - On XXXX XXXX, a deposit for {$25.00} was made.
3 - Statement covering from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX did not show bonus.
4 - A call to the phone number listed in the original email resulted in my being told I should receive a call by XXXX/XXXX/XXXX to let me know of the status. That call was never received.
5 - A visit to the " XXXX XXXX '' branch where this account was opened and the required deposit was made led to a bank employee calling on my behalf. The employee was told that I would not receive the bonus.
That is basically the situation. If any further information, documentation, etc. is needed, please contact me. Thanks in advance for your help in this matter.
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| 02/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
Older American, Servicemember |
|
Your categories dont really fit my message.
Im writing to let you know that yesterday I received a multi-page letter from the IRS regarding my last 2 yrs. of tax returns. I havent filed returns in many yrs. My building is supportive living where they take your social security & leave you with $ XXXX, depending on whether u pay for cable or phone. Also, I am a XXXX XXXX XXXX. old with multiple very serious health issues.
Today I called the IRS & they said it is a case of my identity being stolen.
In reading reviews of Fifth Third Bank former employees some made reference to their belief that employees of Fifth Third are illegally tampering with customers accounts. Now it could be someone else. I never click on a scam or phishing email so I cant be sure but if I had to make a guess, considering they have changed their tune many times in response to me & also dont seem to understand much of anything ( & dont care ), I have to be suspicious of them. I havent lost anything but the fact my identity is stolen is disturbing enough.
Answers?
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| 03/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I got a car loan from Fifth Third Bank. It was to finance and purchase a car that my sister had leased. The leasing company applied and found the loan for me, I agreed to the loan, they sent me documents which arrived late, I signed and returned them.
I was told by the leasing company that I would have a XXXX - XXXX month grace period from the date I signed the loan to begin payments.
Fifth Third Bank started my due date something like XXXX weeks after they paid off the leasing company.
I contacted them and asked my monthly due dates to reflect what I was told and for the late fee to be credited. I did this via the online chat portal. I also asked for the documents stating the loan terms and amortization table to be mailed to me. I believe this was on XX/XX/XXXX. As of today XX/XX/XXXX I have not received anything and no one has contacted me.
Instead of the XXXX $ late fee being credited, I was charged XXXX $ twice. So my balance owed grew by XXXX XXXX
Customer service is very unresponsive. I have contacted them numerous time.
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| 08/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Closed on our new house in XXXX, NC XX/XX/2021. The mortgage company made many mistakes during the closing documents. After the close they send me a check for the insurance that was paid at the closing. I then had to set up a payment with my insurance company even though escrow included insurance. They then determined I didn't have coverage for one day. Which was clarified 3 times with their insurance department and included my agent from XXXX XXXX to validate the coverage.
They still proceeded to provide their own insurance to cover that one day at great cost. They now have made another mistake in my mortgage escrow and are now charging me for additional insurance and increasing my monthly payment by XXXX. I have spent hours speaking to them and they will not move me to a supervisor. They failed to provide me the proper disclosures for the change, they failed to provide me disclosures of the cost and they have multiple letters sent to me that contradict each other. I feel they have been deceptive and unwilling to resolve the matter.
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| 01/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
|
My loan was transferred from XXXX XXXX to Fifth Third Bank in XX/XX/XXXX. I received a bill from Fifth Third Bank dated XXXX XXXX stating a payment was due on XXXX XX/XX/XXXX. I mad the XXXX XXXX payment with XXXX on XXXX XXXX unaware that my loan was being transferred. Fifth Third bank got an earlier computer transfer of data from XXXX that did not reflect the XXXX XX/XX/XXXX payment posted on XXXX XXXX. When I received my 1st bill from Fifth Third Bank reflecting the payment due on XXXX XX/XX/XXXX I called them ( XXXX XXXX ) and was assured that this would be corrected. On XXXX XX/XX/XXXX I again called Fifth Third Bank and no correction had been posted. The payment date, escrow, insurance, interest were all still incorrect. They said I had a problem and would be charged a late fee and a ding on my credit and it was not their problem to solve. I again called XXXX XX/XX/XXXX on XXXX XX/XX/XXXX and they indicated they had the correct data and that they would resend. Problem still pending as this was generally what I heard on XXXX XXXX.
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| 09/13/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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I deposited a check for roughly {$5100.00} into my checking account at Fifth Third Bank on the evening of XX/XX/19 via remote deposit. I have deposited a check into the same checking account from the same company roughly 6 times this year. The bank is telling me that they are going to freeze availability until XX/XX/19. They said they are doing this because they received information from the paying bank that they might not pay the {$5100.00}.
And that is just a flat out lie. It's a 401k loan for God 's sake, 53rd continues to lie about this. I believe it's deceptive and flat out abusive. My mortgage is going to be late, resulting in a fee due to this freezing that 53rd has done. It will cause other financial hardships into next week. I will attach 53rd 's response, and you will see where they are telling me that they received information from the paying bank that the check might not be paid. I think the CFPB should demand that information from 53rd or release the funds and also reimburse my account for undue hardship, say {$250.00}.
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| 08/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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I signed up for a new XXXX business checking account in XX/XX/XXXX under a promotion they were offering for new customers to deposit {$3000.00} and receive a {$500.00} sign up bonus after holding those funds for 60 days.
I deposited {$3000.00} on XX/XX/XXXX and still have not received the bonus. I have left the initial {$3000.00} bonus in, and the requirement was to hold it for 60 days which I have also done.
Today I called their support line since the {$500.00} never showed, and they said they would not honor the promotion because it was not " new money '' that was added to the account. When opening the account, they give you many options to fund the account such as transfer from another bank, funding from a credit card, XXXX, etc.
I chose the option to fund from a credit card and today the rep said that this does not count as " new money. '' This seems very disingenuous that they offer this promotion and then give you the option to fund with a credit card but then tell you that new money added to an account is not new money.
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| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence.
This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf.
I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties FIFTH THIRD BANK, NA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Opened : XXXX XXXXXXXX XXXX Amount : XXXX
FIFTH THIRD BANK, NA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Opened : XXXX XXXXXXXX XXXX Amount : {$54000.00}
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| 02/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Older American |
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I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.
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| 02/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/, I attempted to withdraw {$500.00} from the Fifth Third Bank ATM at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX around XXXXXXXX XXXX. Unfortunately, the machine asked me to " Please take your cash '' but there was no cash available. I filmed this incident occurring for about 20 seconds before stopping the video. The transaction was cancelled and I assumed the issue would sort itself out.
A few days later, I checked my statement and noticed the {$500.00} had been deducted. I immediately filed a dispute with Fifth Third. After 30 days, the dispute was denied. I called Fifth Third to ask for more information and was told the audit of the machine didn't indicate any transaction errors, but they offered to review the video, which I sent to them, and make sure they reviewed the correct machine. To date, I've heard no response - not even an acknowledgement that my case has been reopened. Additionally, they have not offered the {$500.00} as a provisional credit while their re-investigation is ongoing.
The dispute number is # XXXX
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| 04/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
On XX/XX/2022 I was contacted by this company informing me I had a debt from Fifth Third Bank in the amount of {$920.00}. The collector immediately started threatening to file in court if I did not immediately settle the debt. I do not believe this debt is valid and the company is not allowing any opportunity to dispute the debt. The only information they are willing to provide is an account number they claim is a fifth third account. However upon contacting Fifth Third, on XX/XX/2022 I found this number is not a valid account number with Fifth Third. I also received a letter today again stating that this debt would be filed in court. Upon calling the company I was told they dont have to provide any validation of the debt and if it wasnt paid immediately it would be filed in court. I have attached a copy of the letter received for information.
I did have an account with Fifth Third many years ago, but if there was any outstanding balance on it, it would have been included and discharged in bankruptcy approximately 10 years ago.
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| 11/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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On XX/XX/21 I went to the Fifth Third bank branch in XXXX XXXX XXXX I opened a new checking account with a promotional offer code. I met the terms of the promotional offer code on XX/XX/21. Per the promotional offer terms, I was expecting a {$250.00} bonus to be paid XXXX days after XX/XX/21. I have not received the {$250.00} bonus as of today, XX/XX/21. I have contacted XXXX XXXX multiple times via their app, phone call to their customer service, phone call to the XXXX XXXX XXXX, & via email to the XXXX XXXX branch. I was told that the promotional code was not used when I opened the account ( although I have email proof showing it was ). I was told the {$250.00} bonus would be paid after XXXX days ( although the offer terms stated XXXX days ). It has been more than 60 days. Fifth Third bank closed all of my accounts ( without my permission or informing me ) and is supposedly mailing me a {$250.00} check ( per a phone call with the branch on XX/XX/21 ). I met the terms of the offer, please give me the {$250.00} bonus. Thank you.
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| 10/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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On XX/XX/2023 I spoke with XXXX XXXX a float personal banker as well as XXXX XXXX the county region Manager with regards to the many attempts prior to the use of the balance calculator on the checking account. I also called the service number provided. No one had even heard of the balance calculator which is the " check register '' for online banking. I was told that it was my browser although I used different browsers. I was told that it was not a bank error although the message on the screen was generated by the bank. I was told many times that the situation would be addressed and an urgent request was filed by XXXX XXXX. As of this date, nothing has changed. I rely on the balance calculator to help with paying my bills on time and being able to project future balances. I do not feel that my issue was taken seriously. Many of the people I spoke with at the customer service number had no idea what I was talking about until one actually looked at her own account and saw the problem yet nothing was attempted to address the issue.
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| 10/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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Since XX/XX/23 I have been trying to get access to my savings account. I have provided them with my ID to verify my account.. even time I call I'm being told to wait XXXX business days. This situation has caused a lot of emotions stress and also finicial burden because I can't access my money. Every week when I get paid XXXX XXXX is automatically taken out and put into my savings account for bills, food, and gas I have not been able to pay my rent or bills because I can't get access to my savings. I've been having to bother other people to let me borrow money just to get by. This is very unprofessional for a bank not to give me information on my account.. I " am very XXXX furious due to this situation..I have made more then XXXX calls to get this situation resolved I spoke with supervisor XXXX, XXXX XXXX XXXX XXXX I'm being told the same story over and over eveytime I call. I feel like my money is being held XXXX I also feel like I should be compasated for this I'm wasting time and accumulated late fees because of this matter
|
| 01/22/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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Web |
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Dealing with the Post-divorce litigation, through the subpoenaed 53rd Bank records of my ex-husband, I have come to learn that the IRS refund check n the amt. of {$3400.00} on XXXX was deposited into his PERSONAL acct. without my knowledge, presence and endorsement.
Deposit was made by my ex-husband 's wife. She's signed it " Deposit only '', and deposited it into HIS PERSONAL account. She perfectly knows who I am, and that the check must have been endorsed by me, and it would have to be a " Joint acct '' of me and my ex-husband ( it is NOT ).
53rd Bank has failed to adhere the rules, and accepted the deposit.
I have called the 53rd Bank branch, who accepted that deposit, and talked to the personal banker, who told me to call their Dispute and Legal Dpt. I've tried to contact 53rd Bank Dispute Dpt., but did not get any help from them - I have been transferred several times and talked to several people, at the end telling me to go to the branch and deal with the manager, who I've set up the appt. with on XXXX.
Please, HELP!
|
| 06/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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I received a notice dated XXXX / XXXX / XXXX from my lend er, Fifth Third Bank, regarding a shortage in my escrow account that I needed to pay by XXXX / XXXX / XXXX . Upon inspection of the notice, I found several errors. First, the escrow statement showed that my lender was continuing to deduct PMI monthly, though no PMI payments have been reflected on my monthly mortgage statements since XXXX XXXX . I sent Fifth Third a request to stop PMI once I reached 80 % LTV ; by XXXX XXXX my payments put me at 78 % of LTV so Fifth Third Bank is illegally containing PMI on my mortgage account, and have been doing so for months without my knowledge. Second, my escrow statement includes projected PMI payments well into XXXX , though I am already below 78 % LTV ratio. Finally, escrow statement includes a double payment on my homeowners insurance for XXXX -- which they paid in XXXX XXXX and my statement shows an additional XXXX XXXX mortgage payment, which accounts for most of the escrow underage they claim I owe.
|
| 05/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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I have never been late with a mortgage payment- I was reviewing my account on line for a pay off balance and discovered they had received my XXXX and XXXX payment but had not applied them. They were showing me as delinquent and were threatening to foreclose. After several calls it was discovered that my escrow/taxes had increased XXXX and I was not notified. The first person I spoke with informed me they mailed me notification to the old address and they told me they did not have my new address on file. I proceeded to pay the extra XXXX by phone for XX/XX/XXXX and XXXX. I paid the XXXX payment and included the new escrow/tax amount. I had paid the normal amount in full never missing a month. They have reported me to the credit companies and my credit rating has been negatively effected. They refuse to remove the reporting. It has been a nightmare trying to straighten this out. I do n't understand how they can take my money, not apply it and not charge me any late fees but report me to the credit bureaus as over 30 days late.
|
| 11/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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5/3 bank is potential discriminating against people based on their country of origin or service member status, by locking out online accounts based on physical location of those who are temporarily outside the United States.
For example I am currently physically in the XXXX temporarily and am unable to log into my account due to the error message account login invalid. The only way to fix this is to call into customer service and wait 30+ minutes then be transferred to their online security team who will clear the error. After 24 hours the message will reappear and access will be blocked, even though I told 5/3 that I will remain in the XXXX until XXXX.
Their new security process blocks online account management for service members who may be assigned to the XXXX ( note that I am *NOT* a service member ), and those of XXXX origin who are more likely to be in the XXXX and have their access blocked. While I am not of XXXX origin my future spouse is, and will be impacted by 5/3 practices when they are added to my accounts.
|
| 07/20/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
They do not care about your security!
My wife and I have grown accustomed to using XXXX over the last month. However because I work as an XXXX XXXX and know how important security is, I change my passwords once per month on all my sensitive accounts. XXXX forbids that! I have 5th 3rd Bank. If I change my password, I AM FORBIDDEN TO USE XXXX FOR 30 DAYS!!!!! So, in summation, IF YOU TAKE YOUR SECURITY SERIOUSLY AND HAVE THE AUDACITY TO CHANGE YOU BANK PASSWORD - YOU WILL BE PENALIZED WITH A 30 DAY PUNISHMENT FROM XXXX & 5th 3rd Bank.
Summation : If you have 5th 3rd and what to use XXXX, you can't EVER change your password without a 30 day penalty.
That goes against everything the security industry is trying to do to protect consumers. The fact that a Major Banking Entity like 5th 3rd Bank would passively promote never changing your password for fear of losing the functionality of transferring money is appalling, atrocious and frankly, makes me wonder about other security issues they ( XXXX & 5th 3rd ) aren't sharing.
|
| 10/20/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
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I opened a new credit card in XX/XX/XXXXand the criteria of the card is spend {$1500.00} in the 1st 3 months and we will give you {$350.00} within 6-8 weeks. I met the criteria XX/XX/XXXXand today marks the 8 week mark. When i reached out today through a phone call i was transferred 3 times then put on hold to be hung up on. i called at XXXX XXXX and they sent me an email at XXXX to tell me i met the criteria on XX/XX/XXXX 's billing statement. The email i received from them with instructions for the bonus says nothing about meeting the criteria at the end of a billing statement. They are telling me i have to wait another 6-8 weeks and this information was not relayed to me in the beginning or i would n't be making such a big deal of it. The customer service i 've experienced since i reached out to them XX/XX/XXXX has been horrible. I 've banked with them for years and i think i have found the reason why i should n't have opened my credit card with them. I will be closing this card once i am out of the clear with payments.
|
| 08/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
XX/XX/2021 I had a construction Dumpster set at my son 's house. I asked for removal they moved it 3 days later then XX/XX/2021 a over charge was put on my card. I canceled card and disputed charge. Rolling balance carried to new card. They were paid. After arguing I decided it was a aste of time and paid the charge. Then with remaining balance I paid my card in full. Balance was XXXX. Dispute people decided that it was a legitimate charge and put it on my card. They refuse to do the simple math and see that the charge was paid and balance was also paid they put it on cause it was legitimate but I had paid it. Customer service agrees with me but dispute with exceptions to 2 individuals also aree.this has gone on for over 4 months and they are damaging my credit and compounding charges. It's not the money it the principal. I don't owe it. I even tried to make a deal to pay it off even though I don't owe them. They refused that also. I am a XXXX XXXX veteran and it is a tremendous strain on me in XXXX way thank you XXXX XXXX
|
| 07/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I am a victim of identity theft. I discovered that an account had been fraudulently opened with Fifth Third Bank on XX/XX/ when XXXX had notified me that my personal information had been used. I confirmed with the bank that my SSN was being used and immediately disputed the account as fraudulent. I was advised by the bank that an investigation would take place that could take up to 90 days to complete. XXXX The bank required supporting documentation be sent which XXXX sent to the bank via fax on XX/XX/. The documentation included an FTC affidavit, a police report, proof of my identity and proof of my address. This documentation was confirmed to have been received by the bank. Both myself and XXXX have attempted numerous times to receive an update on the banks investigation but have yet to receive any such update. I would like the bank to close the fraudulent account ( credit card ), remove any liability associated to my name, correct my credit report and provide me a release letter with the results of their investigation.
|
| 05/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American, Servicemember |
|
When I opened an account with Fifth Third Bank it was a free account with zero minimum account balance and zero service fees. This was in XXXX. On XX/XX/XXXX Fifth Third Bank, ( XXXX XXXX, Michigan ) charged me an XXXX dollar service fee and reversed it on XX/XX/XXXX. They told me they made a mistake then. On XX/XX/XXXX they again charged me an XXXX dollar service fee but only reversed it for the amount of XXXX dollars and only when I told them they were thieves. They said they changed my account 4 years ago but never told me they were doing so. The branch manager, XXXX, said they have a right to change anything involved with their bank and in a loud toned voice towards me. I have been complaining about their bad banking and currently in the process of changing my direct deposit information so I can leave this bank. I think the public should be aware of how they swindled an elderly adult. If this Financial Institution nickel and dimed everyone like they did me they are making a great profit on a persons hard earned money.
|
| 01/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX I set up auto bill pay to automatically pay the minimum. At this point I was told the normal payment method of transferring it online automatically was wrong and I needed to cancel it. I noticed it didn't come out automatically in XXXX and on XX/XX/XXXX set up auto bill pay again. At that time the system was showing I owed XXXX dollars as the monthly payment. On XX/XX/XXXX I got a call saying it was past due and I never got anything in the mail nor call before then. I paid the balance in full of XXXX. On XX/XX/XXXX when the card was at a XXXX balance they processed a payment of XXXX again. Then realized their auto bill pay was all messed up and credited it back to me on XX/XX/XXXX. I got an alert my credit score had dropped due to a 30 day late payment for the month of XX/XX/XXXX. I disputed that and got no where with the creditor even channeled it up to legal and compliance. I then disputed it with all 3 credit bureaus. Finally I am filing a complaint as a last ditch effort before getting a lawyer involved.
|
| 05/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
A fraudulent inquiry was made today on my XXXX credit report by 5/3 Bank. I was alerted via a credit reporting watch I have with XXXX. A screenshot of this inquiry is below. I called with no resolution and have written a letter.
I have no open accounts with 5/3 and should not have had ANY inquiries on my personal credit report. I am disputing this whether this hard or a soft inquiry ; either way, I want this removed immediately, please. I have recently had fraudulent addresses appear on my credit report and in XX/XX/XXXX, I contacted 5/3 Bank. I sent a letter to : 5/3 Bank, Attn. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX specifically asking to be certain 5/3 Bank was not reporting fraudulent and incorrect information to the credit bureaus. THIS REQUEST SHOULD NOT HAVE CAUSED AN INQUIRY OF ANY KIND. Obviously, I am trying to clean up my credit report of fraudulent information, not have random inquiries added which would be further detriment. I did not give any authorization or permission for any inquiry.
|
| 10/21/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
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we purchased a home XX/XX/XXXX and was told by 5th3rd Bank officer, once we secured our loan, to let our other home go in to short sale. He said this wont hurt your credit because they are offering federal forgiveness, and it will be fine. Being this came from the bank, we felt pretty good about it and did just that. Now, XX/XX/XXXX we are trying to get a equity line from our current home and 5th3rd stated we do n't qualify because of our credit and due to the short sale. After going round and round with them, their final result was, we cant help you out right now, try back in a couple years. This short sale we were told was ok, has put a damper on our credit and score over the past couple years and it was all due to 5th3rd 's employee assuring us it is ok. My wife and I originally were going to lease the house out until we could sale it for cost.
I would not recommend doing any banking with 5th3rd at all. everything they have told us has done more harm than anything, and we will be paying for it for several more years..
|
| 07/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
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Web |
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On XXXX XXXX, 2015 I deposited {$200.00} into the Fifth Third Bank ATM on XXXX XXXX XXXX XXXX, in XXXX, NC XXXX. During my deposit the ATM shut down while taking my money. I immediately went into the bank and explained what had occurred to the bank manager. The manager stated that the bank would give me a provisional credit in the amount of the deposit, which they did within the next business day. However, on XXXX XXXX, 2015 I checked my balance and found that the bank had debited back out the same amount. I called the Dispute Resolution Team at XXXX and was told that someone would give me a call. I received a call from the Dispute Resolution Team Member ( XXXX ) on XXXX XXXX. He stated they would view the video tape from the ATM during the time I made the deposit, and if it was observed that I was making a deposit into the ATM, then I would be again credited money back into my account. He stated I would receive a call back within XXXX hours, which would have been today, XXXX XXXX. I still have not received a return call.
|
| 12/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
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I have been a Fifth Third Bank customer for many years. I have a XXXX XXXX XXXX I took advantage of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX approx. XXXX. I had no other balance at the time. I was XXXX in XXXX and my payment was a few days late. I made the payment and called about the {$29.00} late fee which was reversed. However, they are now charging me a default interest rate of close to XXXX XXXX I called XXXX XXXX XXXX and was told that the late payment was the cause. I indicated that I had been an excellent customer with no history of late payments and XXXX XXXX was excessive in this case. I was told nothing could be done. I went to the local branch the same dayto speak with a XXXX who was not in. The teller indicated an email would be sent to a XXXX in the proper department. This was XXXX weeks ago. I heard nothing. I paid the card off on XXXX XXXX, but was charged another {$110.00} representing the XXXX XXXX interest with the entire amount due in XXXX rather than a minimum payment. I think this is just consumer abuse
|
| 03/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Fifth Third failed to escrow our property tax into our mortgage payments as promised. We received a late tax notice with a 21 % penalty. We ALSO lost a 2 % discount for not paying through the bank. We ASLO discovered they were putting our extra payments into a checking account instead of putting it toward our mortgage. This caused us to lose 21 % + 2 % discount + interest that would have been paid with the extra payment money.
We contacted Fifth Third who acknowledged something " went wrong '' with our closing. We were contacted back and told the delinquent tax payment was paid and escrowed into our payment. This was done without our permission. We have received a letter stating they have now absorbed the tax penalty. However, we have not received a new escrow analysis heard back from Fifth Third regarding the 2 % discount or the lost interest from our extra payment money. We feel that we deserve the 2 % discount credited to our account AND a resolution to our extra payment money that was not applied to our mortgage.
|
| 12/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
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I called XXXX XXXX on XX/XX/XXXX after I made a payment on the card because I saw a {$14.00} charge that I had not made. A dispute was filed on the charge and the card was cancelled to prevent any other fraudulent charges from being made. A new card was to arrive in 5 business days. My new card still had not arrived on Saturday, XX/XX/XXXX so I called once again and they I had called on Wednesday, XX/XX/XXXX, which I most definitely had called on XX/XX/XXXX as that is the day my payments are due each month. I called today, Monday, XX/XX/XXXX as my new card had arrived and I needed to activate it. However, the entire account has been blocked while they work on the dispute. This was not mentioned the first time I called on the XX/XX/XXXX nor the second time I called on the XX/XX/XXXX. They have said they are expediting it and I should hear back in 24-48 hrs. However, that is unacceptable as I have purchases that need to be made, including prescription medication and will be traveling back home for the holidays shortly.
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX Credit Report has inquires that Im unfamiliar with and recently my identity been used to apply for credit cards. I Will like listed inquiries to be removed from my credit report.
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX FIFTH THIRD BANK Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX
|
| 05/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a voicemail on XX/XX/XXXX from a person named XXXX XXXX stating that there was a complaint notice that needs my immediate attention. I am to call XXXX and if there are any further attempts, they will contact my HR department at my employer.
Upon receiving this message I called the number provided since I know I do not owe anyone past due debts. This was from an overdrawn checking account from XX/XX/XXXX which has been paid since then. XXXX is the representative that answered the phone and handled my phone call. The first time she hung up on me. Upon calling back she told me that there would be litigation and they are going to come after me. I informed her that this has been paid since XX/XX/XXXX and asked for a validation of the debt. She said they wouldn't provide it until court proceedings and I am not entitled to it until then. She then told me it was sent to their legal team after I repeatedly told her it has been paid. The company in question is XXXX and she would not give me the corporate address.
|
| 02/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
|
|
Web |
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|
I had received XXXX {$500.00} prepaid cards from my past landlord as part of a lease renewal program. Didn't realize they had an expiration date of XX/XX/21 so I attempted to get them reissued. The cards were being serviced by XXXX. I called them and every time it just says bye and hangs up. I find out later by calling XXXX ( card disclosure said they where servicer ) that they have no information on the cards and that XXXX has closed down ( XXXX also was taken over by another company ). I then called XXXX and XXXX and since they are the brand on the card and they both have no information on the cards. Finally, I attempted to call Fifth Third Bank since the disclosure says they issued the cards ( they also were former owners of XXXX ). In trying to talk with them they said they do not have the cards in their system and would not pass me on to a Supervisor/Manger because I am not a customer and could not be " verified ''. As issuer of the cards I feel the ball is in Fifth Third Bank to make good on these XXXX cards.
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This problem is the same issue I had with 5/3 bank XXXX. Please reference my previous complaint. I made a transfer from my 5/3 Bank checking account to my 5/3 mortgage online prior to the days cutoff. The transfer was made on XX/XX/XXXX around XXXX XXXX. This is before their transfer cutoff time and during normal business hours of branch operation. The next morning I checked and the payment was still in a pending status. This must have been due to an issue with their online banking. The transfer was kept in a pending status until XX/XX/XXXX. Instead of posting the payment on the XXXX they posted it on the XXXX even though I made the payment on the XXXX. They then reported me over 30 days late to the credit bureaus. This is a regulatory violation and they must post the payment on the date they received it even if it takes them longer to process it. They need to remove the 30 day delinquency from all 3 major credit bureaus. Again, this is the SAME problem that I filed in XXXX and you can see it in my dispute history.
|
| 01/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
For months on end ever since I purchased my band new car back in XXXX, I experienced difficulties getting coupon payment booklets. Not only that, the most important part is I am not able to log in with my credentials to SUBMITT PAYMENTS TO FIFTH 3RD 'S BANK PORTAL! THIS HAS BEEN AN ONGOING PROBLEM FOR OVER TWO MONTHS NOW AND STILL NOT RESOVLED.
I HAVE A MASTER 'S DEGREE IN ENGINEERING WITH TWO UNDERGRADUATE DEGREES, ONE IN MATHEMATICS, THE OTHER IN COMPUTER SCIENCE.
These people are deliberate preventing me from logging into the Portal to submit payment. Everytime I call for help, I keep getting there phone automated system such that the ask me for account information or SS #.
I provide my SS # everytime and they can not verify and validate my identity. Its completely ridiculous they are doing this ; my auto loan with XXXX XXXX was never a problem, my two other Auto Loans with XXXX XXXX XXXX XXXX has not ever been a problem.
However, Fifth 3rd Bank does not allow me to provide my correct login credentials.
|
| 06/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have acct with fifth third bank opened XXXX XXXX But I see additional hard inquiries prior to opening this acct and past opening this acct. There should only be 1 hard inquiry on my credit report but there are 3. I only authorized " 1 '' hard inquiry within XX/XX/XXXX any other inquiries are fraud which I did not authorize. The inquiries in question are dated for FIFTH THIRD BANK For Dates XX/XX/XXXX & XX/XX/XXXX This accounts and Date XX/XX/XXXX I did not do business with this organization and/or did not authorize my credit file to be pulled. On date XX/XX/XXXX I did not give my permission to pull my credit report. I have contacted fifth third bank by phone on 3 occasions and i have received a letter from fifth third bank XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX stating they were verified and correct. I do formally request to show proof of signature that I did give authorization and /or permission to perform a hard inquiry on my credit file. I this proof can not be given i demand that they be removed immediately.
|
| 08/22/2019 |
Yes |
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Web |
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I refinanced my mortgage with Fifth Third bank through the XXXX XXXX XXXX XXXX on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX sent the payoff check to Fifth Third bank immediately after closing. Fifth Third Bank continued to contact me, I explained to them that I refinanced with XXXX and I was already making mortgage payments to my new bank. I know someone at Fifth Third bank received the XXXX check because I confirmed with them on XX/XX/XXXX and they stated they had just received the check. But the calls for collections continued, I repeated to them that I refinance, they asked questions as if it was the first time knowing of this. We had a conference call with Fifth Third and XXXX and we confirmed we had the correct info for the XXXX payoff check and it was exactly the same as the first time that it was sent out. The payoff check had to be re-sent for the 2nd time. During all this time they have been reporting late payments to my account and my credit score went from " excellent '' to " needs work ''.
Please help
|
| 12/15/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I did a 0 % balance transfer on one of my credit cards. The card had a XXXX balance prior to this transaction. I paid the first month 's minimum payment and then on the second statement after the balance transfer I was charged {$1.00} in interest.
I called and spoke with two representatives at the bank and they both indicated that the 3 % balance transfer fee was not paid off after the first statement so now that fee is treated as a purchase.
So the bank is charging me interest on a fee that they charged me. The bank is indicating that if the fee is not paid completely after the first statement it becomes the equivalent of a purchase. This is not indicated anywhere in the literature. Every time I 've done a balance transfer with any other card the transfer fee becomes part of the 0 % interest.
Obviously it 's not the {$1.00} I 'm worried about, its the principle that the bank is charging me interest on the fee that they charged me as if it were a purchase. This seems to be a very poor way of doing business.
|
| 08/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
My issue is with Fifth Third Bank. Account ending in XXXX. It is a car loan. My aggravation lies on the fact that they just make the auto pay feature more difficult than it should be. It's silly. I tell them to set up an auto pay for my loan in which they already have my account info and make payment from, but they will not set it up. It is not their policy, and they tell me to call a number that you can only reach at certain times to set it. Now I have never heard of a loan company do this as far as making a car payment. However, they can authorize a payment in advance on specific dates and multiple dates, but not reoccurring. It's ridiculous. it just a cheap way for them upcharge your loan account additional fees and other penalties at the costumer 's expense. Again, they have my info and I have had to get on the phone with them on a few occasions making the same complaint. I call to try and set this auto pay side of the bank is already closed but yet the customer service center is open till XXXX eastern time.
|
| 02/11/2021 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am being significantly impacted on my credit history for an error made by my mortgage company. I have been attempting to figure out exactly how they can claim there is a late payment on this account, when we have records indicating that payments were drafted every month since the inception of the account.
Based on my extensive research and audit of the payments posted on this account, I can spot a potential egregious error on behalf of the mortgage bank that is showing a possible clerical/typo error when posting my payment. The payments monthly are {$1700.00} a month, but it seems for the month of XXXX they posted as {$1100.00}. I understand that mistake happen, but they are fully aware of this and refuse to adjust it on my credit report. This was their mistake and all I want is for them to rectify it. Furthermore, a payment was promptly made right after to ensure there was not a 30 day lapse in between payments, therefore this 30 day late is completely false, damaging, illegal, and I Demand it gets removed.
|
| 01/24/2023 |
No |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
I first verified my external accounts ( XXXX XXXXXXXX XXXX XXXX and XXXX XXXX ) with small security deposits made by XXXX. I then initiated XXXX transfers on the XXXX XXXX, using Fifth Third 's online banking website to conduct these transfers, in order for me to fund my Fifth Third account. The first transfer from my XXXX XXXX XXXX account for {$8000.00} and the XXXX transfer from my XXXX account, for {$5000.00}.
However, I got a voicemail a day later to say that I needed to verify my account, unfortunately I missed the call and was not able to catch them in time before they cancelled my transaction. But I did speak to them a day later and they told me the funds would be returned to my accounts from where they originally came from and it may take up to XXXX business days. It has been almost XXXX weeks now and I have contacted XXXX bank and they have not helped me in this matter whatsoever. I do not know where my money is being held up and why it isn't getting returned to my accounts since they rejected it.
|
| 04/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I started receiving calls from XXXX XXXX 6 months ago telling me that they are a debt collection company representing Fifth Third Bank and that my file was placed with them for collection. I thought someone had stolen my identity because I knew I had never had an account with fifth third bank so I started to file a report with identity theft.gov. In filing such report they ask for information from the original source of debt. So I called Fifth Third Bank on XX/XX/XXXX and they said they could not find anything in their system with my name or social security number and even if the account had been closed they would still he able to pull it up. They advised me to ignore the calls. I've been called every day since though and the calls start early morning and stop after 10pm sometimes. They call every hour and I've had to just turn off my ringer because they drive me crazy. I've tried blocking the numbers but they call from another. They have left me several nasty voicemails which I have saved for proof if needed.
|
| 11/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
on XX/XX/XXXX my mom in NY was contacted from a California Phone number XXXX in regards to a court summons Iawsuit for me. I called the the number and was told I was being sued on an old bank account. I had 2 choices, to pay them over {$3000.00} for the amount owed to the bank and their lawyer fees. I called the bank and they said that the account was overdrawn by {$80.00} and was sent to collections, the company went out of business and the debt was settled. I was currently in good standing with the bank. The account was settled in XXXX. I called the county clerks office and there are no pending lawsuits against me. This company XXXX XXXX doesn't exist anywhere, and they have my social security number which is very concerning. I was able to get a payment agreement document which I didn't sign as proof.
When asked about the debt in question they stated I'd have to go to court to get any proof of the debt. When I asked why I wasn't served in person, they said because of COVID, they weren't going door to door.
|
| 04/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
I foolishly deposited a check that I had received from an unknown person. Of course, this check came back as fraudulent. Fifth Third then froze my account for any future transactions. At the time of closing, Fifth Third returned approximately {$1100.00} to me that was remaining in the account. I then tried unsuccessfully to open a checking account at several other banks but was not able to do so. I received the Consumer Report stating that I had " uncollected funds '' at Fifth Third. After checking with the local Fifth Third branch, the banker told me that he saw NO uncollected funds against my account. He advised that they would forward the information to their corporate headquarters for review. I have been again advised by corporate that there is NO uncollected funds against my account. I have been advised that I need to file this dispute in order to clear this situation up so I can once again open a checking account and live a normal live. Please advise what needs to be done. Thank you for your assistance.
|
| 04/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX requested 5th 3rd bank to perform an appraisal to remove PMI if reduced to 80 % per attached letter XX/XX/XXXX received attached letter stating that the LTV was 76.5 % and did not meet the 75 % Called many times but got the run around XX/XX/XXXX Email Request with attachments to remove PMI as I had fulfilled requirements of 80 % in first letter - No response XX/XX/XXXX Email Request with attachments to remove PMI as I had fulfilled requirements of 80 % in first letter - No response XX/XX/XXXX Called 5th 3rd bank and was told the process had been started to remove my PMI XX/XX/XXXX Called again to get a stats update and was told the request had been rejected, I asked to speak with a manager and she requested I email them all my back up which I did - Attached XX/XX/XXXX received a vmail message that the appraisal was 120 days old and no longer valid and that I could pay for a re-appraisal to meet the 75 % I stand by the fact that the original paperwork stated 80 % and I have fulfilled this obligation
|
| 12/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I attempted to close my accounts with fifth third XX/XX/2018. My account was not closed, and I have since been hit with two overdraft fees, and have an outstanding balance of {$290.00} from a recurring payment tied to the account, plus the two {$37.00} overdraftt fees. The account is still not closed. Fifth Third Senior Vice Preisdent XXXX XXXX sent me a lettter threatening collections if I did nott pay, and provided contactt information and hours. I have tried calling within tthese time windows on multiple different times, on multtiple different days, only to recieve an auttorecorded message saying that fifth third is closed. The call window is XXXX M-F, XXXX Sa-Su. I placed multiple calls at both XXXX Saturday and XXXX Friday to no avail.
This issue can not be resolved if the contact information provided is not functional. I have phone logs to back up the call placement times. I also have withdrawal records, and I'm sure the bank has video evidence of me entering and asking to close my account XX/XX/XXXX.
|
| 05/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am trying to pay off my mortgage for my primary residence. The bank, Fifth Third Bank is unable to provide me with a payoff amount. I have 4 payoff statements from them with 4 different amounts. Additionally, they have added {$2100.00} in late fees, but they can not provide documentation on these fees other than to say they came from the previous mortgage holder when they purchased the loan previously.
On XX/XX/23 I met with the bank in person after numerous phone calls and chat sessions. At the bank I was told my balance was {$900.00}. I paid that amount in the bank and have a receipt for the same. Sone then I have received approximately 15 letters from the bank with different charges, payoff amounts, and now I am informed that my account is delinquent and I am in danger of foreclosure and that I must pay the amount in full. The problem is, the bank can not tell me how much to pay them. The local branch, not the corporate office can not give me a final answer. I am afraid of losing my home. Please help.
|
| 04/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I lost my card back in XX/XX/2022. I called the bank immediately and told them that I had all the transaction that were made. They kept telling me that they use my pin and that they could not get my money back. I visited it 2 times and they never told me that the real reason they disputed it was because I did not dispute other transactions that were made at XXXX, XXXX, XXXX atm and so forth. They were rude and dismissive. Its happening again under another XXXX station and I want them to look at this case over again. Because I gave them all the transaction tthqt were made and were made during over night and out of my ordinary norm. I know it's late but I did not know I had the option to file a complaint against 53 bank debit card I here. I tried and tried but they kept denying me. I even provided a poloce report and they were dismissive. This needs to be looked at. The bank was notified immediately within hours of the unauthorized transactions. The case number is XXXX and their phone number is XXXX XXXX XXXX
|
| 09/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Dear sir or madam, I opened a Fifth Third bank Essential checking account on XX/XX/1919. At that time, Fifth Third bank has a checking account promotion.
{$250.00} Cash Bonus Offer To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third XXXX, XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX XXXX ** checking account by XX/XX/19, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days.
The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
I have maintained over {$500.00} in my account since XX/XX/19. On XX/XX/19. I have met XXXX XXXX XXXX of {$500.00} for 60 days.
I am supposed to receive {$250.00} bonus within 10 business days, which is XX/XX/19. Until now, XX/XX/19, I still did not receive this bonus. I have contacted Fifth Third bank many times, but no solution.
Could you please help me to solve this issue?
Best regards XXXX XXXX
|
| 11/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a home mortgage with Fifth Third Bank. I have made payments on the mortgage for two+ years, and property values have gone up significantly in my area. As of XXXX/XXXX/2017, based on the original appraisal, my loan to value was 87.7 %. I am fairly certain that if I were to have the home re-appraised, my loan to value would drop to 75 % or less, which is the requirement for my mortgage in order to drop the PMI ( Private Mortgage Insurance ). The PMI costs me {$85.00} a month. I have requested a re-appraisal from Fifth Third Bank four times now without success. The reason they provide is that I have not made two years of PMI payments, but I have made more than two years of PMI payments. The Fifth Third Bank customer service representatives that I speak with when I call agree that I have made the two years of PMI payments, but still tell me that is the reason why my request is being denied. They will not put me in contact with the person/agency that is denying my request. I feel like I am out of options.
|
| 12/11/2015 |
Yes |
|
|
|
Web |
|
|
On XXXX XXXX, 2015 I contacted XXXX XXXX XXXX XXXX to pay off my vehicle. I paid using a Fifth Third Bank credit card. The total due to pay off my car loan was {$7400.00}. I went ahead with the transaction. This was considered a point of sale purchase. On XXXX/XXXX/2015 when the transaction posted for {$7400.00} to my Fifth Third Bank credit card, i noticed there was a cash advance fee for {$290.00}, I immediately called the bank and of course immediately i get a bunch of runaround. However this was not a cash advance and I will not pay 24.99 % when i already was paying that to XXXX XXXX XXXX prior to paying of the loan. So what did i gain by paying off the loan to get the same interest rate as XXXX XXXX. I contacted XXXX XXXX on XXXX/XXXX/2015 and they advised me that they did not process this card as cash or a cash advance, and that Fifth Third Bank back end processing converted it to a cash advance. I disagree with what has happened and i expect a serious resolution or my next step is to see an attorney.
|
| 06/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello SIr/Madam, I requested Fifth Third Bank to close my escrow account around 1st week of XX/XX/2019 ( my home LTV was less than 80 % ), they told me that once I make a written reqest it will be closed in 2 buisness days and mortgage payments starting from XX/XX/2019 will be adjusted accordingly. I received a refund check from escrow companay around XX/XX/XXXX week, however as of today it's been 1.5 month and even after multiple conversations, it's not done even after they having all the evidences to establish LTV < 80 % : -their appraisal report apprasing property around XXXX ( LTV 76.5 %, home loan is approx 343,000 ) -XXXX county appriasal report of property around XXXX for tax purposes ( LTV 78.5 % ) -PMI cancellation notice ( sent after LTV < 80 % ) Even after having all these evidences they haven't closed my escrow account & monthly payments adjusted accordingly. I would request XXXX to step in to resolve this.I would be glad to share you any information or documents that you need.
Thanks, XXXX.
|
| 06/13/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
When set-up, my checking account had an associated address with a family member in XXXX, XXXX and was later changed to my address in XXXX, XXXX. I completed a change of address form when moving to XXXX, XXXX. The family member address in XXXX, XXXX continued to receive my account statements with my account information.
I closed my account with Fifth Third in XX/XX/XXXX while at the XXXX, Ohio address on file. I continued to receive account statements even though my account had been closed for over 2 years. I went to a branch and had the branch manager confirm all accounts were closed in XX/XX/XXXX. In XX/XX/XXXX, another family member received a debit card in the mail for an account in my name in XXXX XXXX, XXXX.
Even though my account has been closed since XX/XX/XXXX, my personal account information has now been sent to two addresses that were not associated with my account. I am concerned as to where else my information may be sent and also that Fifth Third has set-up fraudulent accounts in my name.
|
| 08/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
A finance account with Dividend Solar Finance was open by my ex-wife using my personal identity information. The account was established on XX/XX/2023 for XXXX. I was not present nor did I authorize any business dealings with this company. I discovered this account when it was reported on my credit report for missing payments. I contacted the company and learned that the account was set up in person by an representative from XXXX XXXX XXXX. XXXX XXXX XXXX is the company that performed the bathroom remodeling that was financed by Dividend Solar Finance. I have never met or had any knowledge of any of these companies until my credit report alerted me. I have a copy of the financial contract that has my name signed on it however it is not my signature. The representative from XXXX XXXX XXXX should be able to answer the question of what form of identity was used by the person they got to sign for this loan. I was on official government travel in XXXX GA on XX/XX/2023 and was not in the state of North Carolina
|
| 04/10/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American, Servicemember |
|
We have a number of accounts with 5/3 bank. The staff always has been aggressive in selling products. In 2004 a loan officer approached us about equity lines. Long story short -- worst mistake EVER. We took out equity lines on our free & clean homes. Appraisals were flawed & the loan officer misrepresented some information. We know now of course we should not have done this!! This was during the wild west lending period. I wish we could say we took lavish vacations or bought expensive cars -- No we put the $ $ back into properties. We have been paying on these lines for 13 years -- we are now in our XXXX 's -- can not sell for what we owe!! We are having an impossible time making these payments. This situation is ruining our health & causing sleepless nights. We would like 5/3 to reduce the balance owed on these properties. Here is the last straw -- I put this all into writing to 5/3 & went to submit & their website said " technical difficulties -- could not submit '' Grrrr PLEASE HELP!!! XXXX & XXXX XXXX
|
| 11/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
I sent in a complaint several months ago, XXXX I believe, and got a response from you. Complaint number XXXX. Your response dated XX/XX/XXXX said I had 60 days from when 5/3 bank answered the complaint to give feedback. Today is XX/XX/XXXX and when I logged in to try to respond I can't click next, it says case is closed. I do want to provide feedback. The answer indicated I had no case because there was no bank error found. I never said it was a bank error. It was HUMAN error, as I was told I had more time to add the extra XXXX to my account to satisfy all the conditions to get the bonus money for opening the account. If you look at the timeline as to when I added the extra XXXX you will see it corresponds with my having been told I had 90 days. I understand that a shorter time frame is in the small print, but I was definitely TOLD I had XXXX, and just though that perhaps 5/3 bank was the sort of honorable institution that would honor what a customer had been told, even if the information was inaccurate.
|
| 04/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was involved in getting a hardship mortgage through bank " Fifth Third ''. Was told while in process, my missed payments would not go to credit report. Was given a hardship option. I closed " selling home '' before needed to use this option. Found that they had reported missed payments to credit bureau, after being told they would not. Company will not let me hear taped conversation 's. Had I been told correct information. I would not have missed payments. As this going on, I had XXXX. Money went to medical bills. Just want bad report off credit. This is my only blemish. Several phone calls involved. Most important on approximately XX/XX/2020. Last spoke with XXXX XXXX XXXX. She said I misunderstood. I asked, what reasonable person would think, she would not answer direct question. Mortgage was paid in full, before XX/XX/2020. Which was last day, I had to make first payment on hardship loan. I was sent letter after last call, saying issue XXXX was opened. XXXX XXXX said issue was not going any farther.
|
| 06/14/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I entered into trial payment plan to modify my loan. I submitted payments on time as specified by 5/3 Ba nk. However my XXXX payment was returned because they stated I had not paid my trial payments. My local bank manager XXXX XXXX and I called to te ll Loss Mitigation Department that I had paid and had proofs of all payments. We were then told that Loss Mitigation could not see the payments on their computer. I pers onally called and with the local bank faxed over copies of my certified checks and 5/3rd bank receipts to Loss Mitigation XXXX XXXX ,2017. I 've had several calls to verify they received verification of payments that should already know about and to restore my modification. This has been an oversight by the servicing b ank 5/3rd. They have not fulfilled my modification and restored my loan and made any corrections to credit reports.
They have acknowledged receiving verification fax but have n't ' fixed their oversight. It was acknowledge through phone call 2 weeks ago.
|
| 10/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/2020 thru online banking, which I have never done, a check was created for {$4600.00} to a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX from Fifth Third bank. This was from my checking account which I have had for 24yrs. I did not do this and do not know this individual. I discovered this XXXX XXXX when I tried to cash a check at a branch. The bank has the endorsed, processed check that posted XX/XX/XXXX. The bank refuses to investigated this fraudulent act because it is over 30 days from time of discovering the act. I have appealed several times and they continue to deny my request stating same reason, more than 30 days passed discovery. I have filed a police report with my local police department # XXXX, also fraud claim reference with bank XXXX and XXXX id XXXX.
The bank 's refusal to investigate this case of fraud is inexcusable and raises the possibility of someone in the bank system who is involved or they are hiding something. I want my money back and people responsible for this caught.
|
| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received a alert on yesterday XXXX from XXXX XXXX that a hard inquiry had been placed on my report. Mind you I went no where and signed nothing to have my credit pulled on yesterday. This is fraud and I want it removed from all major credit reports XXXX, XXXX, and XXXX should not show anything being posted to my credit report for XX/XX/2021. I want to file charges on whomever was allowed to do use my credit as it took me a long time to rebuild my credit and I will not allowing anyone to get away with this. This is a serious matter and I want it to be taken as a serious matter or I will contact a lawyer and sue. I am really XXXX about this the fact that someone can use your credit without your permission or consent is totally unacceptable. This is not a game this is my credit that I take seriously since it has taken me almost Five years to rebuild and for someone to be playing these types of games I want to prosecute them to the fullest extent of the law. I don't want any excuses only answer and ASAP.
|
| 06/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I received an escrow analysis from Fifth Third where I have my mortgage. I changed Insurance companies XX/XX/2023 and they paid both my old insurer and the new one.
They are now asking me to have the old one pay them direct in a specific way. The old one is trying to send the check to me to deposit back into my escrow.
In the meantime, Fifth Third has sent me a increase in my payment of almost XXXX per month, knowing full well they don't actually have that big of a shortage b/c the check they paid to my old insurance company will be deposited back to them.
They played this game last year as well with my escrow, which was overpaid. They quickly sent me a large check with my overpayment and still raised my payment. It was only XXXX per month, so I didn't pursue a complaint after speaking with them.
This time it is intentional and unnecessary, b/c they have factored in the return of the funds they will be getting, which they paid out from the escrow account I have been paying into for the entire year.
|
| 07/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have repeatedly emailed and called my mortgage provider ( Fifth Third Bank ) numerous times over the course of several months requesting the removal of PMI. I have submitted the paperwork providing permission in XX/XX/XXXX after sending in the extensive renovations that have been completed since closing in XX/XX/XXXX. This request has been made under " Substantial XXXX. '' The Contract price of the home was {$330000.00} with {$5000.00} credited at closing to buyer.
The appraisal at the time of closing came in at {$360000.00} ( the home was distressed ) I placed 5 % down borrowing $ XXXXThereafter I placed {$100000.00} renovating the interior and exterior of the home and provided this list to Fifth Third months ago. A member service rep only calls me to request I send in paperwork that I have already submitted to the same email address they provide!
Current market value is estimated between $ XXXX {$430000.00}. Current payoff is {$300000.00}.
They are reluctant to remove this unjustified fee.
|
| 10/05/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
A number of years ago, my wife ( now deceased ) filed an individual bankruptcy. At that time we had a mortgage with Fifth Third Bank. Some after the bankruptcy was complete, Fifth Third added an amount to the mortgage. This was not noticed to me nor is it allowed in the mortgage. I have tried for years to get this resolved but to no avail. The Bank is reporting this as a late payment every month which affects my credit rating and adds costs to my insurance. The rep for the bank said " we did n't charge you we charged the mortgage. '' I fail to see how this is different than charging me. I tried working with a local rep at the bank but the supervisor we tried to talk to would not talk to us and hung up on us. I live to a great extent on social security and this is affecting my credit and my ability to make ends meet. I ca n't even refinance with this showing as late payment every month. I do make my regular payment every month just not the extra which is unexplained and not allowed for in the mortgage.
|
| 05/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Older American |
|
On XX/XX/2022 I was scammed online through my Fifth third account. They purchased XXXX XXXX accounts in the amount of {$500.00} each for a total of {$1000.00}, then attempted to steal money from my home equity account. Fortunately I was able to stop that from happening, and got all of my money back except for the {$1000.00} for the XXXX accounts, which were promptly closed. The bank has disputed this amount, stating I had done this when I had not, then took {$1000.00} from my checking account. They claim I owe them the {$1000.00}. Since then they have taken {$530.00} from my savings and have turned me into a collection agency for the rest. I did not make these transactions and I have filed a police report about it. The bank has turned down my appeal, but I believe I am entitled to Regulation E Protection, which states the bank is required to refund stolen money. Is there anything you can do to help me resolve this, or direct me to someone who can? I appreciate your attention and time.
XXXX XXXX XXXX
|
| 02/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
My bank is 5/3 in XXXX, Ohio. At the close of the year, XX/XX/2021 I noticed pending withdrawals had been placed on my checking account. I immediately visited two branches the branch at XXXX XXXX, XXXX, Ohio, and spoke with XXXX XXXX about the issue. She allegedly froze the account. I then continued to notice a third and fourth withdrawal was placed against my account. I again visited the XXXX XXXX branch and spoke with XXXX XXXX. She allegedly filed a dispute regarding the matter.
I also followed up with phone calls with the bank in which I spoke to several bank agents attempting to resolve the illegal withdrawals over the phone. I received a letter in the mail informing me the most recent withdrawal has been denied. I called to question why the denial and the only explanation I could get was according to their policy I did not file a dispute within a 24 hour period of the withdrawal. I strongly disagree with that charge, because I phoned consistently and visited two branches regarding this issue.
|
| 06/28/2017 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I am currently being XXXX XXXX from the XXXX XXXX XXXX after 11 years of service. I have been paying on my mortgage with Fifth-Third Bank for over 4 years, but because they never contacted me that my payments were XXXX dollars short, they claim that I never made payments for XX/XX/XXXX or XX/XX/XXXX. The company had my phone number and my email address ; however, these modes of communication were never used. Somehow they had an incorrect address for me. The payment of XXXX was made on the XX/XX/XXXX and the XX/XX/XXXX. They took these payments and sent them to the incorrect address. They could have sent them to the property address, emailed, or called me, but they chose to report it to the credit bureaus. I am asking that this negative mark on my credit be removed because of the miscommunication, the fact that I immediately resolved the matter once I realized what had happened, the nature of my XXXX, which contributed to the situation, and my consistent record of making on-time payments in the past.
|
| 02/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I had a loan with 53rd bank. I worked with XXXX XXXX to refinance the loan. A pay off check was sent to them and processed on XX/XX/XXXX. The balance on XX/XX/XXXX on the account XXXX. The pay off check was for XXXX. Resulting in an overpayment of XXXX. During the time for the refinance to finish, I continued making payments, A payment of XXXX was processed on XX/XX/XXXX, taken out of my XXXX XXXX XXXXXXXX Account. The payment on XXXX was processed after the check cleared. so in total I overpaid the account by XXXX = {$1600.00}. The refund they are sending me is {$750.00}. They have no record of my payment that was made. I have evidence from their website but they continue to deny that a payment was made. They are also charging me approx. XXXX $ in interest for paying the account off. I contacted their CS over 10 times and they have no idea. The last two calls get conveniently cut off before a specialist can give me details. The math doesnt add up at all and they refuse to investigate this problem.
|
| 05/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I wrote a check and put it in the US mail, the check was made out to City of XXXX for {$51.00}, the following day I looked at my banking app and I was negative {$2600.00}, I looked at the transactions and saw the check I wrote for {$51.00} had been altered to {$4000.00} and deposited into another checking account with XXXX XXXX XXXX. I went to Fifth Third bank in person because no one could help via phone. They closed the account and I opened a new account, they told me that it will take 180 days to get my {$4000.00} money back after they investigate the situation, I said that seems unreasonable since I alerted them within 24 hours of this fraud. This happen on XXXX and Fifth Third has not communicated anything to me as of yet, I keep going into the bank branch and they tell me I have to be patient with the process. I understand that but no communication from the bank in regards to even acknowledging the investigation is even happening. Feel free to reach out directly to me.
Thank you!
XXXX XXXX
|
| 11/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I submitted complaint XXXX to resolve a dispute with Fifth Third Bank XXXX The balance on my credit card was {$18.00} on XX/XX/XXXX while I was waiting on a response to my complaint.
On XX/XX/XXXX I was charged a {$25.00} late payment fee.
On XX/XX/XXXX I received notice that Fifth Third was going to pay {$12.00} of the {$18.00} in fees. As soon as I got the email that they were going to pay {$12.00} of the {$18.00} in fees, I immediately called 5/3 to pay the {$6.00} remaining. This posted to my account on XX/XX/XXXX.
On XX/XX/XXXX I was charged a {$1.00} minimum finance charge fee.
As soon as I received the check for {$12.00} from Fifth Third, I applied that to the credit card account. It posted on XX/XX/XXXX.
I have called XXXX XXXX, the woman that responded to my first complaint, at the Office of the President, multiple times and left multiple messages over the past few weeks with no response. My calls always go directly to voice mail. There is no other contact information listed for her.
|
| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My 5/3 Bank auto loan is showing late on my credit report. I have always paid my account on time maybe not on the exact due date but I did not miss a payment or 30 days late on my payment. 5/3 makes it extremely difficult and confusing to understand payment details. They will not send a bill and there is not a bill on line. I also have never received a late notice or the online information does not tell you if you are behind on your account. I thought if you are late on your payment you are supposed to receive notification. I reviewed the online account and there is not a notice stating I am late. They try and make it as difficult as possible to follow your account because of the limited information provided or should I say not provided. I made all my payments, if they did not received the payment why didnt I receive notice. Their practices are extremely deceptive. They collected millions or billions of checking fees from posting debts before they would post your credits. How deceptive.
XXXX XXXX
|
| 03/22/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Older American, Servicemember |
|
I utilized your agency to file a complaint against Fifth Third Bank. ( case # XXXX ). This problem my dealings with a home loan through this bank. I finally resolved the issue by going to another bank ( XXXX Bank ). to take over the original loan. I am a veteran so recently I have been exploring the possibility of utilizing my XXXX ). I started this process thru XXXX XXXX. According to the XXXX XXXX representative, XXXX XXXX, ( ph # ( XXXX ) XXXX ) with whom I am making this loan application, stated that until recent date the credit report from Fifth Third bank did not contain any negative information about my credit history.. All of sudden XXXX XXXX is sent this fictionalized account of my relationship with Fifth Third Bank! According to XXXX XXXX, this document was sent in an underhanded manner in order to sabotage my XXXX application with XXXX XXXX. This unethical bank ( Fifth third ) is attempting to deny my rights as a veteran to obtain a home loan in retribution to my contacting your agency!
|
| 05/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
When I signed my loan documents the insurance payment was included as part of the mortgage payment. ( Attached a copy of the closure documents ). The lender company sold the loan to fifth third bank and I did not signed with Fifth Third any paperwork that implied me to purchase home insurance separately from my mortgage payment, as it is stayed on my closing documents. I request to re-open this case and review the closing documents terms I signed. They are not honoring the terms i signed with the lender company, where it is stayed the homeowners insurance is included on the mortgage payment.
I have requested to remove the PMI insurance, as I have not missed a payment on this loan. The Bank is refusing to remove the PMI, as they stay I did not purchase an insurance when they notify me. Which I signed on my closing documents was going to be paid as part of my mortgage. They are not honoring the closing documents I signed with the lender company and are refusing to remove the PMI with no reason.
|
| 06/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
During Covid-19 we received a letter from 53rd Bank stating us to call and discuss forbearance options. Till date, my wife and I both are employed and have been diligently making mortgage payments.
We decided to call the bank and discuss that we are not interested in forbearance and that we will continue to make payments which we did. However, 53rd had put our credit and our account status in forbearance and this has caused a lot of financial problems for my family.
We are closing on a purchase of a vehicle and I can not proceed as they have flagged my SSN and account to list as forbearance. I will attach statements as proof that we have been making payments, they charged us with fees that are unjust. 53rd classified these fees as late payments, whereas we have been making payments diligently every month.
To say the least, we are very dissatisfied with their customer service, their legal department and their supervisors. No one was ready to assist us when we reached out to customer service.
|
| 10/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX sold my mortgage to fifth third bank some months ago. On XX/XX/XXXX, I received a message from my home owners insurance company saying my policy had expired on XX/XX/XXXX due to non-payment. Now, I had a 10 % late fee on my renewal. I called my mortgage company to address the issue, but they would not discuss the problem with me saying I had to talk to their insurance department. This " insurance department '' out to be a third party company unaffiliated with the lender. The Third Party Insurance Department also could not help me saying they had only my policy number and all the accounts had just been handed to them. They told be they had to call my insurance company, put me on hold for 25 min and then disconnected the call. Three more phone calls to the bank ensued, as well as two more to the Third Party Insurance Department and an online message to the bank.
This bank needs to pay my home-owners policy premium from my escrow account and to pay the late fee from some other source.
|
| 10/19/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/23 @ XXXX, I received a call from the company 's bill collection department. The representative told me my account was due for XXXX payment in the amount of {$320.00}. I told the representative that there should only be a late fee for the current payment. The representative told me he was only acquired to remove the additional late fees. All fees should have been removed as discussed with a previous representative in XXXX which the payment made through ACH would have made my account current. The representative was rude during our conversation after hearing my frustration regarding the additional fees. The representative told me " I should not allow my feelings get the best of me ''. I told the representative he should not have the right to tell me how I should feel of being told to pay additional fees that I assumed were taken care of in XXXX. In addition to having to deal with insensitive representatives, I was not notified by this company transferring my loan with Fifth Third Bank.
|
| 12/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Servicemember |
|
During the 2nd week of XX/XX/2021 I stopped by the 5/3rd Bank in XXXX NC to close my checking account that I have not used for more than a year. The teller gave me cash money and told me she could not give me anything to state I closed my account. Odd to me not to get something stating I closed my account. In early XXXX I received a Overdraft Notification : Immediate Action Required letter Dated XX/XX/2021 from said Bank. On XX/XX/2021 I called the number provided and was on hold for a period of time till I could talk to someone. The girl I talked to ( XXXX? ) about the overdraft fee that couldn't be since I have not used the account for over a year and just closed the account, said she would take the {$11.00} fee off and close the account that was already closed?? I asked her to send me something stating my account is closed, she said she can't do that?? About a week latter I receive another Overdraft Notification : Immediate Action Required letter Dated XX/XX/2021. Time to file a complaint.
|
| 09/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I receive XXXX calls A day from XXXX. I shut my card off and have canceled my accounts because I am currently not working and can not pay. I let them know this and told them as soon as I receive financial stability I would pay the bill. They continue to call. I asked them not to call me anymore that I would contact them as soon as I could make a payment. They continue to call. Aggressively at that. I just received a call and I let them know again please stop calling. They then refused and continued to ask me for info and payment. I asked several times for her to not call. She refused. I hung up on her and she proceeded to send me a text message. This is crazy! They were the ones who put me in debt in the first place by over drafting m account by {$7.00} dollars for identity protection then charged me {$30.00} for the over draft. Then proceeded to charge me after I was told several times it would be taken off. I now have. {$400.00} bill with them just in over draft charges that they initiated.
|
| 03/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
1 ) On XX/XX/20 I received an email from 53 saying " my online account was locked. '' This was due to nothing I did. 53 wants a {$500.00}. Balance in this account. I called 5 times and held 30 minutes each call-in answer. I think it's illegal to not let clients see activity on their account opening it up to FRAUD activity. This is criminal and corrupt and a bank should not be allowed to do this. I made no attempt to access-This was Not caused by me. A bank should be charged a daily fine for not allowing money holder to see it. Especially when a balance is required. I EMAILED MERCY, BANKER ABOUT NOT HAVING ACCESS BUT CALLING 53 AND 2 ) NO ONE WAS ANSWERING PHONES. N53 BANKER DID NOT RESPOND EITHER. THIS IS SERIOUS INFRACTION AND 53 SHOULD NOT BE ALLOWED TO BLOCK ACCOUNTS. TODAY IS SUNDAY XX/XX/2020 AND 53 CUSTOMER SERVICE IS CLOSED. I CALLED ALL DAY XX/XX/2020 BUT COULD NOT GET THROUGH CUSTOMER SERVICE-THIS IS INTENTIONAL BY 53 OR THEY SHOULD BE REQUIRED TO HAVE STAFF PRESENT ANSWERING PHONES.
|
| 05/04/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Fifth Third Bank claims I opened an account with them and when I asked for validation of this debt all they send me is statements. Any one can create statements and put anyone 's name and address on them. I have already had this account thrown out of court because the courts did n't recognize only statements as proof of ownership of an account. Fifth Third at that time could not provide a signed authorization from me to open an account, for the courts. Fifth Third says they have sold this fraudulent debt and therefore will not remove from my credit report, but the debt they say they sold is not mine in the first place and they wo n't provide me with the loan authorization that I would have to have signed if I indeed opened this account. I want this debt cleared off my credit from all parties, Fifth Third bank and any and all collection agencies they may have sold this fraudulent account to. XXXX XXXX from this company refused to give me the account number and was very rude to me on the phone.
|
| 08/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Dear XXXX XXXX, per my previous complaints, your response is totaling missing the point.
I DID NOT REQUEST PAPERLESS - this was initiated by your bank, NOT ME.
The bank continued to withdrawal money fees out of my checking account without notifying me.
You may be trying to justify the bank 's process, which is totally false.
and in error of your bank 's technology. Just because my balance was below your ciriteria, ... Why was I not notified of this,?
YOU SHOULD HAVE NOTIFIED ME!!!!
ONCe The bank drained all my money for your bank fees, only then, you promptly sent me a letter telling me there was no more money in the checking, due to the bank 's fees withdrawal, but you made NO EFFORT, NONE, at the time you were taking money out of my account ....
I resent your feedback. You have totally missed the point of my complaint.
I have made efforts to contact you, only to leave message. You have not made any effort to return my calls. You should take the time read the 5th-3rd 's Reviews ....
|
| 08/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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On XX/XX/XXXX XXXX, I called at the customer service of 53 bank to request only 3 months of paper bill for the month of XXXX, XXXX and XXXX of XXXX, she said its only $ XXXX page so I said its only about $ XXXXBut I was shocked I was charged a Photocopy/Research Fee of {$120.00} .. The representative I spoke to on XX/XX/XXXX told me that the previous rep had printed 2 years worth of paper bill but they cant waive it. I spoke to several agents after on the same date XX/XX/XXXX who told me they cant dispute it because its coming from their bank ..I spoke to supervisor named XXXX on the same day as well on XX/XX/XXXX, who wasnt able to resolve the issue..I even call the actual bank manager in downtown XXXX XXXX who told me that he will stick to the decision of the previous rep to just give me {$15.00} when I in fact was charged $ XXXX.this is really frustrating and I want to cancel this account because I dont want to pay when this is obviously a bank error on their part .Poor customer service.
|
| 01/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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Web |
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My account was compromised and funds where taking from my account fraudulently XX/XX/XXXX exceeding {$2000.00}. I reported to the bank and also made a police report. I have followed up with the bank on numerous occasions XX/XX/XXXX, XX/XX/XXXX ,XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX have not received any head way on the investigation. Also I returned all signed documents they sent me on XX/XX/XXXX via email & post office they cant even tell me if they have received it back.
Next I have a transaction return of {$310.00} returned to my account on XXXX I dont see it in my statements nor does it reflect in my balance but when I called they said they can assure me its there. I added my total and the balance seems to reflect that it has not yet posted.
They also mentioned that credits do not reflect in transaction history but this is also false because I have past transactions that have reflected a return amount.
Im in desperate need of help I feel like Im dealing with a fraudulent institution
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| 05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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Hi, I have car loan with Fifth third bank. My account number is XXXX. My XXXX is XXXX. My address is XXXX XXXX XXXX XXXX CA XXXX I have auto payment with this bank and I keep money in my account for car payment but they didnt charged payment from my account and posted late payment on my credit report its hurts my credit score so badly. I didnt notice earlier because I was being busy in my wedding I was married in XX/XX/XXXX. And now Im planning to extend my business but because of my credit score Im not able to do nothing. I have trucking business and because of Fifth Third bank they messed up everything. If I will not get my credit score back I have to wait until year to be a good credit. I send them email They didnt replied me and then I call them and explain what they did and they said they cant able to do nothing and I dont have a auto payment. If you want you guys check my credit history I never had any late payment. Please help me to fix my credit. I will very thankful of you guys.
|
| 08/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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There were 2 occurrences I was already a member of fifth third bank for a while having a checking/savings account so I got a credit card with them XXXX of XXXX. In XX/XX/XXXX I accidentally missed a payment it was reported late on my credit. Meanwhile for no apparent reason I was kicked out of the bank they closed my checking/savings account but allowed me to keep my credit card. I went to XXXX and opened 1. In feburary XXXX I called to make a payment to fifth third for the credit card I still had with them with my checking account that I had opened with XXXX but gave them my saving accont number by mistake the payment was returned but I was never contacted by 5th third alerting me about the situation. I only used my card for emergencies anyway. 1 day I went to use it and it didnt work I contacted 5th third they informed me that my credit card account had been closed due to non payment for 30 days I still payed it off but they said they can't reopen my account or remove the late payment.
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| 11/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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Web |
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I had a business account with fifth third, about a month ago a deposit of {$11000.00} was made into my checking account at fifth third by my merchant provider. After this deposit was made fifth third locked my account and requested some documents which showed the customer order and customer contact details. This deposit was never disputed by my customer but fifth third locked my account for reason best known to them. I reached out to them several times and they kept dragging the issue for as long as possible until they final closed my account. I went into the bank to ask for an update on my money and they claim i had no money in my account as at time of account closure which made no sense since the whole reason my account was locked was because of the {$11000.00} deposit made which was never disputed by my customer. They claim they have refunded the customer but the customer showed me proof that no refund was made into his bank account. I never received any check for my closing balance.
|
| 02/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
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I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved.
On XX/XX/2022 I requested that Fifth Third Bank National Association present me with all statements in connection with the referenced account as I am disputing their claimed debt. I instructed them to cease any false, deceptive or misleading representation pursuant to 15 U.S. code 1692e and to cease collection of and the reporting of the referenced account while efforts were being made to reconcile the dispute.
Not only has Fifth Third Bank National Association continued to call and text me everyday with deceptive and misleading language, they also ignored my request to reconcile this matter and instead reported detrimental information to credit reporting agencies against my instruction. I did not consent, benefit, nor authorize this account on my consumer report and Fifth Third Bank National Association has violated my right to privacy per federal consumer financial law.
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| 01/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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On XX/XX/XXXX, I made two regular mortgage payments which would pay my XXXX and XX/XX/XXXX payments. This payments were incorrectly posted as a principal reduction. I called to have this reversed and reapplied. When this was completed, the bank failed to effective date the transaction of XX/XX/XXXX. Therefore, not only is my interest accrual wrong but my tax statements as well. I have called three times to have this corrected to no avail. My current tax statements show I have paid interest in XX/XX/XXXXwhen in fact, I have not paid any principal or interest in XXXX. When I spoke with a woman named XXXX today, she advised me that there was nothing to correct because I paid the interest in XX/XX/XXXXand they can only report interest for a 12 month period. This is simply not true as it was paid in XXXX. I need these payments corrected with the proper posting date ; we all know interest accrues daily on mortgages so this is deceptive to the consumer. I also need my tax statements corrected.
|
| 10/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
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I paid off a loan XX/XX/XXXX, {$2600.00}. The loan dropped off my FTB app, and I got a letter confirming the loan was paid off. XX/XX/XXXX an autopayment sent from my bank by mistake, {$300.00}. FTB confirmed over chat that my account was closed and they would return my {$300.00}. I received only {$290.00}. When I asked why, they first told me the {$2600.00} had been refunded, I accrued interest, then I repaid {$2600.00}. I said they never refunded {$2600.00}, and I never repaid it later. Then they admitted what they said wasn't true, instead saying that I hadn't originally paid the " payoff quote, '' contradicting the previous explanation when they said I had originally paid the correct payoff amount. They also deny sending me the letter and confirming XX/XX/XXXX over chat that my account was already closed. They also insist I paid the {$300.00} XX/XX/XXXX, XXXX weeks before I sent it. They wrongly took my money, and they have changed their story multiple times instead of returning it
|
| 06/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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Approx XX/XX/XXXX, fraudulent charges against my bank account began to apply. The amounts varied from {$40.00} to {$200.00}. They hit several times a day, and have hit every day. I called the bank Friday Morning to address and stop. The bank just keeps paying them. they all start with the name 'XXXX B ', and then 20 random digits, followed by my full name, and the date. Even though the account went overdrawn several days ago, the funds are still being transferred out, simply driving the account further under. I have called 3 times, Bank ( Fifth Third ) refuses to prevent the charges, says the only action they are willing to take is close my account. My Mortgage is linked to that account, all my utilities, my credit cards. This almost identical situation happened a little over a year ago, and it took MONTHS to finally get things running smoothly. I had to spend 8 months chasing my Tax refund because it was somehow miss-routed and paid to the closed account, and then just 'disappeared '.
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| 01/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I made a deposit of XXXX Money orders of {$1000.00} which totals out to be {$3000.00}. I also made a deposit of {$500.00} cash to my bank 5th 3rd bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX location.
The next day XX/XX/ I went online to check my online banking to pay my bills, and my account is now locked. I immediately then called 5th and 3rd banks customer service and was told that my money orders were fraudulent. I purchased the money orders from a grocery store.
I went into the bank on XXXX XXXXXX/XX/XXXX just to get my account number to try and pay a bill until I go home and locate the money order receipts, and was also told I cant take any money out of my account or have access to my account until I bring in a receipt.
I don't mind traveling back and forth through stand still traffic to get them but I have bills to pay and I am now late on my rent because of this.
I have the receipts of the the money orders I just couldn't bring them until XX/XX/XXXX.
|
| 08/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
I was paying the Annual fee for XXXX On Behalf of a family member from my Fifth-Third debit card. The family member Died and I wanted to CANCEL the payments to XXXX who told me that without email access to the XXXX account there wasn't any way the payment method could be RemovedStopped, so I must dispute the charges with my bank ( see attached email-unfortunately XXXX did not send me a transcript of my " online chat '' ) I filed a Dispute with Fifth-Third bank Case # XXXX XXXX XXXX. They responded that they could NOT refund the debited amount because according to Fifth-Third the request was not submitted in a 'timely manor ' although I submitted the dispute as soon as I saw it on my account and XXXX had been notified ( Since nobody has access to the deceased persons account the billing can NOT be cancelled according to XXXX ) then I spoke with the Fifth-Third disputes department via telephone and they stated they could NOT stop future debits on my account from XXXX from my account
|
| 08/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
For months we have had issues with 5th 3rd Bank for our mortgage. We refinanced and dropped our mortgage insurance payment. One occasion they under charged our account for our mortgage payment by {$12.00}. They did not notify us. They held the funds and counted us late. Until the next month until we called to pay our next payment. It was a true struggle for them to remove the late fee, fix our credit reporting, and find out why we weren't notified we were undercharged. The next month they took down the wrong account information and also charged a late fee. They called this time ; however, once they relized this was their error again, it was like pulling teeth to get them to remove the late charge and report correctly on our credit. They are impossible to get in contact with. Constantly being transferred to other departments. On 2 occurances there have been very rude and curt managers. One call never leads to resolution. They have made owning a home extremely stressful and unpleasent.
|
| 09/05/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
I have a mortgage with 53 Bank. I made my regular mortgage payment in the amount of {$790.00} for the month of XXXX ( it is due on the 1st, and I am allowed to select the date that I make my payment which is the XXXX ). I made a curtailment payment on XX/XX/XXXX in the amount of {$2000.00}, where I requested the total be applied to the principal. 53 Bank deducted a mortgage payment from that amount even though I did not request it. My XXXX payment was not due yet, so am not sure why my payment was not applied as I requested. I also have inquired about bi-weekly payments and this is an option they do not allow. They seem to do everything to work against the consumer being able to pay their loan off. These companies realize that its not easy to just go to another lender because the rates would not be in the consumers favor and they try to monopolize off of us in any way that they can. Nonetheless, I made a curtailment payment prior to my due date and it should be applied accordingly.
|
| 09/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
Over the weekend, I received an email from XXXX that my credit limit on a credit card was decreased significantly. Upon my return from my trip, I signed on and noticed that Fifth Third Bank had reduced my credit limit from {$8000.00} to {$4500.00}.
I was given no notice as to why this happened nor do I understand why this happened. I reached out to customer service but they were unhelpful. They couldn't even tell me why this happened only that I should have received a letter, which I never did.
I pay my cards on time. I have no delinquency on my credit report. I have not lost my job. I have a six figure income. I've never used more than 50 % of my credit limit and now with this absurd change, my utilization has gone to 98 % thus affecting my credit report and single handily sabotaging my mortgage approval process, of which I was in the middle of.
I have been a good customer and never had any issues so this is not only absurd but uncalled for. No other card issuer has done this.
|
| 06/23/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I currently have a mortgage with Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH XXXX. Over the past three-years or so, I have been making monthly, electronic payments toward my principal and have specifically wrote in the memo section that the payment be applied to my principal. Further, I made an electronic payment to be applied towards my escrow and specifically stated this in the memo and Fifth Third Bank continues to misapply my payments. When I called Fifth Third Bank about this matter, I was told XXXX XXXX is the person who would be contacting me by phone but she never did. I had to log onto their website to get her response. I have been trying to speak with her because I want an accounting of my account over the past three-years but am not able to get her to return my calls. I received a letter pertaining to this matter and the letter stated if I had any questions to call the number in the letter. I called several times and left several messages but no one has returned my calls.
|
| 09/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Stated in FIFTH THIRD BANK XX/XX/2022, CFPB response letter, " we stand by the response conveyed to you in our previous letter sent to the above address on XX/XX/2022. '' FIFTH THIRD BANK has forwarded ( 2 ) responses in regards of the XX/XX/2022, original complaint. A copy of the private response letter mailed to my home address dated for XX/XX/2022, has been attached to this complaint for the CFPB review. FIFTH THIRD BANK stated in their XX/XX/2022, CFPB response letter : " We appreciate your patience while we conduct our research ''. The initial XXXX XXXX complaint still stands and has not been addressed at all-has FIFTH THIRD BANK conducted their research in reference to my XX/XX/2022, Complaint?? Also, will FIFTH THIRD BANK be reversing the XX/XX/2022, adverse decision that was rendered on XX/XX/2022? FIFTH THIRD BANK has been allowed more than 20+ days in regard to researching this matter, a decision has not been made, a decision needs to be made and communicated to the CFPB.
|
| 12/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I have been a Fifth Third bank checking account holder for XXXX years. In the past XXXX months, I have had charges come through my checking account that caused my balance to go negative. I have always turned " off '' my overdraft protection and use that as a way to know when my balance is low and I need to put more money in that account. Each time ( I believe it has happened twice in the past XXXX months ) my balance has gone negative, I get charged a fee.
I called Fifth Third and complained about this when it happened XXXX months ago, and they did remove the overdraft fee during that occurrence. Today is XX/XX/XXXX and the same scenario occurred again yesterday. I do not understand how a bank can authorize a transaction via your checking account when there are not funds in the account to cover the transaction, I asked them not to do that, and not only do they do it anyway but then charge me {$34.00} for doing it. Seems highly illegal and immoral. Please investigate.
Thank you.
|
| 11/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Trouble using the card
- Trouble using the card to spend money in a store or online
|
|
Web |
|
|
Closed a XXXX XXXX account that had a credit balance of {$150.00}. My overpayment ( refund ) was returned in the form of a XXXX debit card that expires XX/XX/2023. The paperwork accompanying the card states it is a prepaid XXXX managed by XXXX XXXX XXXX and that it is issued by Fifth Third Bank, NA.
Complaint : The aforementioned Mastercard can not be activated for use rendering it if no value as evidenced by : 1 ) Call to activate number- The decal affixed to the face of the card states you must call ( XXXX ) to activate the card for use and to obtain a PIN code. The XXXX number disconnects immediately regardless of time of day or phone from which its called. 2 ) The call in support number ( XXXX ) also doesnt work similar to # 1. 3 ) A means of managing the card via a website is also listed as an option : ( XXXXXXXX ). The site requests the card number, the CVV #, and the zip code associated with the account. Accurate entry of the information yields a not recognized response.
|
| 03/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On Monday, XX/XX/2021, I attempted to withdraw {$1000.00} from my savings account at an ATM on XXXX XXXX in XXXX, OH. XXXX through the transaction, during a loading screen, the machine hung on the loading screen for multiple minutes before crashing to a black screen, resetting, and not dispensing the funds. I contacted the bank and got a dispute opened immediately. The temporarily refunded the funds, but on Thursday XX/XX/XXXX I received a letter telling me that my claim had been denied and the funds were removed from my account.
I called the number on the letter and the customer service representative could not tell me anything other than the " ATM was balanced, but it's possible they counted the wrong ATM. '' She was not able to provide documents used as evidence, nor footage from any of the multiple cameras in the area of the ATM. The only thing she did was collect more information and re-open the case, saying that it may be another month or two before I hear from them again.
|
| 11/25/2015 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
Fifth Third issued me a credit card account, unbeknownst to me until I saw my credit report today. The credit card account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. This has resulted in damaging information on my credit reports. I called Fifth Third today to report this matter, and ask that the derogatory information be removed from my account and the Credit Reporting Agencies, but the response I got from XXXX different departments at Fifth Third was lackadaisical at best. I was told that I must have signed papers acknowledging the acceptance of the credit card account, which if true, was completely unknown to me at the time. At the time, all I had realized I was applying for was a credit score monitoring / improvement " program ''. Ironically, the report made to the XXXX Credit Reporting Agencies for accrued fees and interest for this unbeknownst credit card account is the single most damaging blot on my credit report! NOT a fan of Fifth Third and their business tactics.
|
| 08/30/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
We jumped through all the hoops to receive a forbearance after I lost my job during covid and my husband was laid off. Went through their employment service and got a great job. Started the workout process for our loan to avoid paying all the back payments missed during forbearance. Received workout option. Had to be notarized and returned in 14 days had it back in 7. Tracked that they received it and called numerous time. About 3 weeks later they said they never received our notarized paperwork. Now we received a letter that we did not meet the terms of our work out option, but we did. And now we just received a rapid foreclosure letter. The only people that will talk to us are first line phone answers. We have to repeat everything every time. Then they try to get us to start the process all over again. We want our paperwork recent so we can pay another {$120.00} ( we should not have to ) to renotarize. This time we will not use their return label, but have a courier delivery.
|
| 07/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is my second complaint about the same problem.
Fifth Third services my mortgages. Despite this issue having been " resolved '' by the previous CFPB complaint, it continues.
A letter, dated XX/XX/XXXX, arrived in early XXXX claiming they " reached out '' to my insurance company but were unable to verify my insurance.
On XX/XX/XXXX, I attempted to use their web-based form to provide this insurance, but got XXXX XXXX. On XX/XX/XXXX I was successful in submitting the information.
Today, XX/XX/XXXX, I got two letters, one dated XX/XX/XXXX, saying they are going to force-place insurance, and a second letter, XX/XX/XXXX, with nonsensical claims about changing the mortgagee clause, even though the mortgagee clause is already as they requested.
All of these letters make threats about force-placed insurance, and I believe Fifth Third intentionally and negligently maintains these dysfunctional systems intended to force me into an expensive and unnecessary insurance product.
|
| 03/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We had a house fire in XXXX and the construction company completed their job in the middle of XX/XX/2022. The insurance made all the payments to us and to the mortgage company, fifth third bank. Unfortunately the fifth third bank has not paid us all the money that need to be paid to the contractors.
The home was inspected first after the roof was replaced and it took over a month for them to make a partial payment. Then two inspections were done after all the work was completed and the inspector told us that they reported as 100 % complete. But fifth third bank is still holding to the money even two months after the work is completed.
I made several efforts to call them and communicated with them about the issue, but they don't care. We had to make several of the payments out of pocket due to this issue. This is giving us a lot of stress and anXXXX and it needs to be resolved. We requesting a penalty as well to this bank due to their negligence in remitting the money to us.
|
| 12/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I writing this letter because I think there should be a better option to modify my loan. I have paid my house for the last 23 years and I have 7 years left in my mortgage and this is the first time I ask for help because I was forced to retire and I am looking for a job that allows me to continue in a better situation. It is not fair that for this reason I see myself at risk of losing my home. The interest they are giving me is 8.5 % and they are beginning to 40 years. If they gave me the interest that is in the market 4.5 % my payment would go down and I could have a better quality of life. They offer me a 40 years mortgage with an 8.5 % interest rate, I am behind 2 payments. They offer me this option that is not good and they are taking advantage of this because it is the only option that they leave me. If they reduce the interest rate they can make my payment affordable and be able to stay at my house and no became homeless.
I want to keep my house with affordable payment.
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Financial Institution : Fifth Third Bank, XXXX, XXXX In XX/XX/2022, I called the XXXX # provided to me in my bank statement to dispute an unauthorized charge on my credit card statement from XXXX XXXX for {$160.00}. 53 Customer Service, cancelled the card, issued a new card. But " FORGOT '' to complete their procedural steps to mark the charge as disputed. They applied numerous late fees and the worst part is reported it on my credit history.
Due to this, I am having numerous hardships- denied access for mortgage pre-approval, higher auto insurance costs and so on.
It has been SIX months and they filed another dispute but that was denied stating it was beyond the time allowed to dispute.
They new tell me it has been escalated. It is difficult to good customer service. Their customer service agents DO NOT follow their procedure and cause undue hardship. I am now forced to take time off from work, loss of pay, and physically go to a XXXX bank location to talk to someone.
|
| 05/22/2023 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
|
Web |
|
|
On XX/XX/2023 an unauthorized transaction was made on my account in the amount of {$1600.00}. I was unaware of this transaction until XXXX XXXX. Once I became aware I contacted the card issuer ( My Wisely ) to start a fraud claim. The card issuer stated they would send out a replacement card and fraud paperwork to complete my claim. I received a new card in approximately XXXX days. I contacted the card issuer again on XX/XX/2023 because I had yet to receive any paperwork. The phone representative stated that the paperwork is sent from a different department and usually takes XXXX business days to arrive. I inquired about receiving the paperwork by email and was told that was not an option and I should get it in the mail soon. I was told the dispute process was already underway and could take up to 90 days to complete. On XX/XX/2023 I received a letter stating that " The investigation has been finalized and we've determined that there was no error. No credit will be issued ''.
|
| 09/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Due to the pandemic, I was laid off from my job in XX/XX/2020. I called Fifth Third Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program, which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XXXX and XXXX of XXXX, I was reported 30 days late to the credit bureaus. I am still currently in the program and have met and continue to meet all of my obligations under the program. I immediately called for help with this situation. I was advised that notes would be taken and someone would look into the situation. To date I have not returned to work, nor has this been resolved by Fifth Third Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.
|
| 05/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
I was looking into Refinancing my home who I have lived in since 2007 in XXXX. When the loan officer looked into my mortgage there was no mortgage listed on my credit report as if I dont own a home. I initially contacted the XXXX to resolve the issue with the company. In XXXX I received the money that was missing from my escrow as well as my mortgage adjusted to the different rate and they stated in the letter they would report my mortgage to All three credit bureaus. After two weeks I contacted XXXX to see what the process was, they stated I had to wait 45 days for the creditor to report. I am now filing this complaint because I have reached 45 days and no reporting has occurred. I would like to move my mortgage from Fifth Third Bank and I feel like I am being forced to stay there with no evidence of my credit history or current mortgage. It is effecting my credit score and my well being to found a better mortgage rate. I feel that this is a violation of my consumer rights.
|
| 08/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
On XX/XX/2020 I faxed XXXX XXXX from Fifth Third Bank a copy of the Promotional Inquiries and Account Review Inquiries of my XXXX XXXX Credit Report. My XXXX XXXX Credit Report does not show an inquiry from Fifth Third Bank on XX/XX/2020. I received a letter from XXXX XXXX stating that " Our research found that when we review a customer 's credit report for a possible credit limit decrease or increase, the credit inquiry is a soft inquiry, which does not impact a customer 's credit score, and does not appear on a customer 's credit report.
I feel this information is not true. My XXXX XXXX Credit Report shows Promotional and Account Review Inquiries which all are soft inquiries. I would like XXXX XXXX to provide me a copy of the soft inquiry credit report she received from XXXX XXXX on XX/XX/2020.
If she is unable to show me a copy of this soft credit report from XXXX XXXX she received on XX/XX/2020, I would like her to explain why my credit card credit limit was decreased.
|
| 02/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have XXXX mortgages with Fifth Third Bank. I have been making all payments using their online banking system. Today I tried to login and was unable. I tried resetting my password but their website stated that I needed to call. I have called XXXX times without being able to reset my password or regain access. Each time I have connected with a representative, I am told that I need to speak with a different group. During the transfer, a recording says that I am being connected to something like " fraud services department '' before being disconnected or given dial prompts that do not function.
I am concerned for the security of my accounts and the initial agents I speak to refuse to help. They continue to insist I need to be transferred despite my explanations that the transfers don't lead anywhere. I don't know what to do. I want to know why my online access was taken away - especially if it was due to security concerns. I also need to login to make my mortgage payments.
|
| 05/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Fifth Third Bank ( XXXX ) has been repeatedly and persistently calling our house phone regarding my spouse 's credit card overdue balance 7 days a week right after XXXX for 5-6 times including SUNDAY. When I answered the phone they don't tell me who they are.
About 4 Sundays ago, I asked them not to call on Sundays ( I think her name was XXXX ) because it is not a good day for them to call. This organization ignored my request and still calls on our house phone everyday INCLUDING Sundays.
On XX/XX/XXXX, a Fifth Third Bank representative called on our house phone again so I told her that I am willing to pay on my spouse 's behalf but they refused to accept my offer.
On XX/XX/XXXX at XXXX, a representative from this bank called again. I told her not to call. At XXXX, another Fifth Third Bank representative called the house. Didn't they get a message? I told them AGAIN not to call on Sundays. They are disrespecting this household and interrupting my quiet Sunday morning.
|
| 11/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Opened a XXXXSavings and checking acct on XX/XX/XXXX. Made 3 deposits totaling {$76000.00}. Did not receive ATM Debit cards. Our acct was hacked and {$5000.00} was transferred from our Savings to our Checking via phone and from XX/XX/XXXX to XXXX withdrawals totaling {$5000.00} were taken from our acct. We were not notified from our bank that our acct had been hacked. Went to the branch which we opened the accts. to put a freeze on all accts. The bank said in XXXX business days we would have a resolution. We spoke with the fraud department and the branch office numerous times and got nowhere. The banks fraud department said they have footage from the ATMS where the ATM card was used. I gave my description to the fraud department and they said that it was DEFINITELY not me. We received a letter from the bank on XX/XX/XXXX saying the phone transaction was valid and our claim was denied.
The only person that had our private information was the person who opened our accounts!
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello, I hope you're having a good day. This is my second notice towards Fifth Third via CFPB.gov per the last CFPB Complaint No : XXXX for your reference.
If Fifth Third or any subsidiaries are furnishing negative information to any specialty XXXX such as XXXX XXXX, XXXX XXXX XXXX, etc., without my written permission or consent, you are violating federal law and I demand you cease and desist all activity. I have read the contract and disclosure given to me upon opening of my checking account, and not once have I agreed for negative information to be furnished nor did I express written consent. Therefore, pursuant to 15 U.S. Code 1681b et seq ; as well as notifying me, the consumer, pursuant to 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ) ( ii ) you are in violation of the Fair Credit Reporting Act.
I demand you cease and desist all activity and contact any specialty XXXX notify me of who you have furnished information too and permanently delete said reporting of information.
|
| 04/19/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On XX/XX/19 I contacted Fifth Third Bank to gain access to my MORTGAGE account online to view and print a statement. During the course of my conversation with XXXX he advised that he would have to open a XXXX XXXX XXXX ATM card for me in order for me to have access to my mortgage account. After 4 times questioning him on why I would need an ATM card to gain access to my mortgage account and me stating " I do not want any additional accounts with 5/3 - I only want online access to my mortgage account '' did he finally withdrawal his persistence in providing me with a XXXX XXXX XXXX ATM card and was able to give me easy instructions on how to access my mortgage account online. If I had not questioned and pursued he would have opened a XXXX without my full knowledge. He was misleading and I hope 5/3 does not have a practice in opening accounts when the consumer is not aware and it is not their intent however, based on this interaction I believe they are doing this regularly.
|
| 09/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I bought a car on XXXX XXXX and the temporary tags expired yesterday XXXX/XXXX/2016. This car needs to be registered XXXX although it was bought XXXX. My mother is on the loan and car with myself and she resides XXXX which is why it needs to be titled and registered there. I will also be returning to XXXX to live within a few months as well. The dealership sent me the memorandum title but i need the official title which is held through my lien holder-fifth third bank. I went to the XXXX XXXX messenger center in XXXX XXXX in order to handle all of the required payments to title the car XXXX. They need the ORIGINAL title from 5th third and have sent several forms to the bank asking for the title. Fifth third will not respond to their requests and when I call they tell me it is not their problem and that they ca n't issue the title and either blame it on the dealership OR the state of XXXX. I am now unable to drive the vehicle which i need for transportation to and from work.
|
| 10/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Im filing a complaint against Fifth Third Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Last week of XXXX when my husband called 5/3 Bank disputing an unauthorized charge made by XXXXXXXX XXXX. This bank said that they will block our debit card and will send us a new debit card and we will receive it in 7 to 10 business days. 2 weeks has passed, we never received any debit cards. My husband followed it up on XXXX XXXX, and XXXX XXXX with same statements, well expedite the card within 5 business days and mail it to you but we never received it. We were charged for {$30.00} for the cards which do should have not done.
My husband and I went to meet the Bank rep XXXX, on XXXX. XXXX and said the same thing. He mentioned we will received it in 5-7 business days but never received our debit cards. XX/XX/XXXX, my husband and I went to this branch again and spoke with the bank manager XXXX XXXX, Branch Manager and said the same. Nobody gave us a call as they promise to us.
|
| 08/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Cfpb complaint was filed on XX/XX/2022 in reference to an adverse decision.
The cfpb closed this complaint after FIFTH THIRD BANK responded with an correspondence dated for XX/XX/2022 that stated they are " conducting research ''.
FIFTH THIRD BANK also forwarded a 2nd letter to my home address dated for the exact same date of XX/XX/2022 which disclosed the same correspondence that was submitted to the CFPB with the last paragraph worded completely different.
The initial issue of the original complaint has not been addressed or solved. FIFTH THIRD BANK has submitted two totally different responses in regards to my original complaint. One response was submitted to the CFPB and another response was forwarded to my home address that states a different outcome of my original complaint.
The original complaint has not been addressed and FIFTH THIRD BANK has created two response letters that disclose two different actions/outcomes.
Please help resolve the initial issue.
|
| 05/12/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Last year in XXXX, my home insurance went up, which changed my payment. I called my insurance company and they did a discount. However, due to Covid, I was not able to get through to the bank. When I did ( in XX/XX/2020 ) I spoke to a lady named XXXX, who was the very very very rude. I paid my principle and interest every month until we could get the insurance problem resolved. I emailed and faxed letters and letters. FINALLY, we fixed the problem, however, my credit score still shows late payment. I kindly asked Fith-Third Bank to remove my escrow. They said after 5 months of on time payments they would. They never did and screwed up again on my escrow and now they are saying I am late again. This is ruining my credit. I am paying them my principle and interest. Now, they want to say I am late on PREPAID INSURANCE, that I requested to be taken off my account ... ... ... I have had a home for over 20 years and this is the first time I have ever been late or had a problem.
|
| 04/01/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I received a letter from Fifth Third Bank " The curious bank '' that said through an envelope window " ACTION NEEDED : Respond By XXXX XXXX, 2015. '' On the back side of the envelope, it said " Time-Sensitive Materials Enclosed. OPEN IMMEDIATELY. '' This piece of mail was seen by my family members who assumed that this was very important that needed to be dealt with immediately. My family overnighted this mail to me so that I could handle whatever needed to be dealt with " immediately. '' Inside was a " Notification of Pre-approval '' for a platinum card. This type of deceptive advertisement has now cost my family money. To me, this is a clear UDAAP violation in the following ways : ( i ) it has caused a clear financial injury to me as a consumer, ( ii ) the injury was not reasonably avoidable due to the language from Fifth Third Bank and ( iii ) the financial injury I incurred definitely does not outweigh the benefits of having yet another credit card that I do not need.
|
| 07/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I purchase an auto loan on a used car, XXXX XXXX XXXX, through XXXX XXXX XXXX in XXXX XXXX, NJ. Bank is named 53rd bank, contact number XXXX. In XXXXXXXX XXXX XXXX I became unemployed and contacted them with this information. Their response was that I was not eligible for their hardship program and that I should pay what I could. There is a note by my account that says " User memo 8 add '' around the time I called. I did just that and when I became a Full time employee in XXXX the account had been charged off in XXXX. I contacted them about that to dispute it Their response was that I could not dispute the charged off account and that I should have received a letter in the mail. I did not receive the letter in the mail because I moved in XXXX and had issues with forwarding mail to my current and updated residence. There wasn't even an email.
I have reach out to many different financial institutes to cover the loan, but non are willing to work with a charged off account.
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
During the nationally mandated shelter at home policy that then continued in my State of IL I was reported late by my credit card companies. I tried to be proactive and ask for help early on in 2020. However, these companies did not have assistance programs in place yet so they reported me late over and over month after month during the start of the pandemic. I have tried to dispute prior to now based on the HEROES ACT, my perfect pay history before the pandemic and my current pay history status, my proof of having the XXXX and proof that my state of IL is still under a state of Emergency per our Governor XXXX who has made his own calls.
I should not be penalized because the companies did not have programs in place yet, the pandemic shutting the world down, caring for family who were affected by XXXX, caring for myself when I contracted XXXX and being in the XXXX and XXXX industries which were some of the hardest hit. It was no ones fault why should anyone be punished?
|
| 01/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
To Whom It May Concern, I have attempted to resolve this issue via customer contact and supervisors to no avail. This is regarding a credit consolidation issue with 5th3rd bank. I contacted XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX regarding a credit consolidation. The amount of {$3900.00}. XXXX advised a 1-7 days for the transaction to post. I contacted 5th3rd on XX/XX/XXXX as the amount was not posted. The representative advised the process takes 2-4 weeks. I called back to 5h3rd on XX/XX/XXXX which is 4 weeks and was advised there was no transaction. I have called back a total of 8 times and spoke with two supervisors who basically told me this is not their concern as there is nothing to trace. I guess its true that customer service is just dead and I as a consumer need to take action into my own hands as nobody really helps a customer. Here is the details of the " electronic transfer '' from XX/XX/XXXX. XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Amount- {$3900.00}
|
| 09/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I called XXXX XXXX XXXX to lock my card because I thought I had lost it but I found it. So I called them back to tell them that i found it and can they reactivate my card. They told me no and that I should have a replacement sent to the address on file. I said no because I would never get it because the apartments where I reside at, is bad I have been treated very very poorly. The mailboxes are open. They been vandalizing my cars, they constantly send harassing messages thru emails. But thats not the issue but you get why I dont want my card sent there. So I gave them my daughters address to send the card at her address but they told me no, they couldnt send to her address without proof that its me. But somehow they have let someone else change my account and do Lord knows what to it. If the prison man XXXX XXXX XXXX and XXXX XXXX did that cause theyre the ones whos been hacking on my phone and email account, thenIm going to sue if these people steal my hard earn money.
|
| 07/08/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
Fifth-Third Securities Brokerage Account XXXX, Ohio XXXX XXXX Investment executive, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. OhioXXXX XXXX XX/XX/XXXX Deposited in CD XXXX. Contained a basket of 10 stocks issued thru XXXX XXXX XXXX. To receive annual payment based on the average performance of 10 stocks. Listed below XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( acquired by XXXX XXXX ). Never received explanation of fees or stock performance. We have received no payout or an explanation of why no payout. A market transaction fee of 4 % 3 % 2 % and 1 % have been applied. This investment has resulted in XXXX return ( not 1 Dollar ) in over 5 years. We have called XXXX XXXX and we have received no satisfaction, except inXX/XX/XXXX we may get our XXXX dollars returned. There has been a bull stock market for the duration of this CD. A total misrepresentation by 5/3th bank
|
| 12/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Fifth third bank on their own accord, modified their automated payment system, XXXX, to after my due date. My due date is the XXXX of every month. They moved the payment to the XXXX of every month.
When the account got established with XXXX bank, I sent in the paperwork via U.S. Mail and fax. I also called to follow up because I don't trust this bank. I finally got a letter but via the portal and after they had to make make corrections as I'm a previous consumer forced into using this bank once before.
The letter states payments will start to be pulled out starting on XXXX of XXXX and will be on that date moving forward. I called again, to vaildate. The rep. at XXXX bank confirmed it was on the XXXX and offered to move it to the XXXX, Payment is due by. I didn't want it moved then -- I called back to have it removed back to the XXXX. Today, XX/XX/27, I chat with a rep. who told me it was moved to the XXXX without the consumer 's knowledge or explicit authorization.
|
| 11/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Husband and I had our mortgage sold to 5/3 for servicing and every interaction since has been abysmal. From setting up an account, auto pay, and now monthly harassment for payments. A lady from 5/3rd called around the XXXX of XXXX and wasted 10+ minutes of my time asking detailed questions about my personal information and when to expect payments etc. I made it clear multiple times I was not happy with her call or questions and that auto pay had been set up to pay on the XXXX, well before the due date grace period of the XXXX. I was told she would make a note of this and shouldnt expect any future calls. XXXX, that wasnt the case as I was called again today ( XXXX ) with the same questions. I again made it clear I was not happy with the pervious call, did not appreciate the follow up call, and would not be answering her questions, that it should be noted our payment is to be auto paid on the XXXX and I was an unwilling customer of 5/3rd, I was forced to be a customer.
|
| 11/15/2017 |
Yes |
|
|
|
Web |
Servicemember |
|
In XX/XX/XXXX we remortgaged our home with Fifth Third Bank. At the closing we were presented with a mortgage insurance. We were told that this was necessary. Our credit was not bad by any means. But we do own our own business and the debt ratio was a little high. ( we were told ). We were told that the mortgage insurance would drop off at 80 % automatically. Or five years which ever came first. I have called every year wanting to know when that would be and was told not to worry it is automatically.
In XX/XX/XXXX, after numerous called and was given several different answers, was told that I needed to but this in writing. I immediately did so on XX/XX/XXXX. I called two weeks and was told that they did not get it so I re-sent it again on XX/XX/XXXX. I was told that they would go back and reimburse me.
I called XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. The last call I was told I would not be reimbursed and am still getting charged the mortgage insurance to date.
|
| 10/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I'm reopening my previous case. I was a victim to account fraud and a substantial amount of money was taken from me. As your previous email said it was closed due to not being able to prove it wasn't me, I'm going to need you to prove it was me. I'm hiring a lawyer in this matter.
On XX/XX/XXXX through XX/XX/XXXX ( I believe are the dates ) my accounts both checking and savings were hacked and money was XXXX out and large purchases were made. I have since closed my account with fifth third.
But the total amount is over XXXX dollars that I worked hard for and XXXX XXXX of that was take. From my sons savings account that I had been saving for him.
I would ask that you rereview this as I'm out a lot of money. This is not the first time this has happened to me at fifth third. Also my alerts were shut off and I pay extra for ID alert, which I never received anything form them. Thank you for looking into this matter as I have been with fifth third for a long time.
|
| 09/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I HAVE HAD FIFTH THIRD FOR YEARS WITH NO MISSED PAYMENTS OR ISSUES UP UNTIL THE PANDEMIC. AFTER MY CREDIT LIMIT WAS LOWERED WITHOUT ANY CORRESPONDENCE OR NOTIFICATION, I AGREED TO UTILIZE THE HARDSHIP OPTION FOR MY ACCOUNT. IN XX/XX/2021 I WAS MARKED LATE & I CONTACTED FIFTH THIRD IMMEDIATELY. I MADE THE REPRESENTATIVE AWARE THAT I HAD BEEN SICK & ALSO LAID OFF WORK DUE TO COVID. I ALSO WENT ON TO CONVEY THAT I WAS UNDER THE IMPRESSION THAT MY ACCOUNT WAS STILL UNDER A HARDSHIP AGREEMENT. EACH OF THE REPRESENTATIVES I SPOKE TO SAID THAT THERE WAS NOTHING THEY COULD DO. I HAVE A BUSINESS ACCOUNT, CREDIT CARD ACCOUNT & PERSONAL ACCOUNTS WITH FIFTH THIRD & THE LACK OF EMPATHY & CONSIDERATION FOR CUSTOMERS DURING THESE UNPRECEDENTED TIMES IS NO LESS THAN A HEINOUS ACT. I AM TRUSTING THAT THIS MATTER BE ADDRESSED & CORRECTED. IF NOT I WILL BE FORCED TO CLOSE ALL OF MY ACCOUNTS ( BUSINESS & PERSONAL ) AS I REFUSE TO CONTINUE TO DO BUSINESS WITH A COMPANY THAT IS UNETHICAL
|
| 04/09/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
This is my second complaint with same problem and another issue. When my spouse died in XXXX, I provided the necessary documents and I am approved by Fifth Third to be the Successor. In the year of XXXX I still don't have online access to pay the mortgage. I have made several unsuccessful attempts in the past. I current have to pay by mail or go to the branch to pay my mortgage. I have sent checks paying the mortgage for almost years and i'm still having problems that needs to be resolved.
This year I have and overage on the mortgage. I received a check in deceased spouse name. On XX/XX/XXXX this year I went into the XXXX branch on XXXX XXXX to resolve the issue. She spoke to someone in the escrow department to reissue the check in my name. One week later I received another check in XXXX 's ( deceased ) name. After sending the second check back to them, I haven't received any correspondence.
I should have online access to pay the mortgage as any other consumer.
|
| 03/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My wife and I own XXXX XXXX XXXX XXXX which is a real estate holding company for a commercial building ( Preschool ). Our business Bank account is held with Fifth Third Bank. On XX/XX/2022, our banking representative reached out to us asking if we tried to submit a {$500000.00} wire. We informed her that we did not and she was able to stop that transaction from happening. The following day ( XX/XX//2022 ) I logged into Fifth Third 's online banking website to check my account and noticed a wire transaction was processed in the amount of {$100000.00}. We did not initiate this wire and immediatley notified our representative and she confimed a wire in the amount of {$100000.00} was indeed sent without our consent and she filed a Fraud case with their Fraud Department. They tried to reverse/recall the wire with no success and now our Small Business is out of {$100000.00}. After a Fifth Third internal investigation, the bank is claiming the money can not be retrived.
|
| 05/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
For the past week, I have been trying to talk with someone at 5/3 to assist me in logging into their system to access my MB Financial account, which was closed a week prior to the merger, to obtain pdf copies of my checking account statements as well as my savings accounts.
I have been on hold for over 80 mins between the 5 calls just to speak with someone ; plus an additional 15+ minutes while one clerk had to keep talking with a supervisor to figure out how their system worked. Every conversation, I go through verification and provide them with my phone number in case we get disconnected and without cause, I have been discounted 4 of 5 times ; the one time I was not I requested that the manager call me back instead of me wasting my time on hold while the clerk learned about their system.
With all of my other closed accounts at numerous financial institutions from local banks to national banks to large brokerage houses, I am still able to access statements.
|
| 10/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My wife and I obtained a vehicle loan through Fifth Third Bank in 2016 for the purchase of a XXXX XXXX XXXX. In XXXX 2016, I set up auto-pay with Fifth Third so that our monthly payments would automatically be paid. This was set up directly with Fifth Third, not through our own bank.
Since that time, I have had to set up Auto Pay three more times, but they keep missing payments, or applying payments late through their own system. To rectify the situation each time, I have to call Customer Service, who has told me every time that I am enrolled in Auto-Pay and they do n't know what the problem is ; then I have to call Auto-Pay, who also says they do n't know what the problem is.
At this point, I have spent at least three hours on hold with Fifth Third trying to get late fees and penalties removed from our account ( I am actually on hold with them right now ).
They have stated several times that I am a month behind, so I have made manual payments over the phone.
|
| 06/03/2015 |
Yes |
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
My son and I were on an auto loan together and he could n't afford it anymore so we voluntarily surrendered the vehicle to the bank.we were told they would send a final bill after car is sold in an auction and have n't heard anything yet from them since we gave car back in XXXX 2015. Yesterday XXXX 2015 they somehow got my tenants number illegally and called her wanting her to disclose our personal information to them, like where we work and our phone numbers etc. And they also told her that we both may get a warrant for our arrest ... they have the car back so how can they threaten to arrest us for something we no longer poses? This bank has major issues and needs to be stopped..they had no right contacting my tenant and involving them and we do n't know how they got her number except googling it which should be illegal to do in this scenario. They also falsely reported on our credit reports that the car was a repossession not a voluntary surrender like it was.
|
| 01/02/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was involved in a divorce in 2009 and had to file bankruptcy. Fifth third bank was to foreclose on a home which I could no longer afford. The property still sits as a zombie property, with the bank neither foreclosing or releasing the home. As a result, vandalism continues to occur and I continue to receive costs associated with the home, since 2009! I have repeatedly called the bank to gain clarity and find their plan but they refuse to speak with me. They tell me that they can not discuss the matter. I would like to get this off my plate, by eiher the bank foreclosing on the home or releasing so I can sell it. In the meantime, the house sits as a vacant property, bringing other home values down and has become a nuisance. Somehow, this seems like an illegal practice, but it is not. Just extremely poor business practice from this bank who contributes to community blight. How can I get the bank to dscuss or take action to either foreclose or release the house?
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
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Web |
Older American |
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I filed a Bankruptcy XXXX XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX XXXX, Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted Fifth Third bank, Bankruptcy Department explain what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXXA specialist from Third Fifth bank, Bankruptcy Deparment named XXXX XXXX told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited one mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the Fifth Third Bank had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.
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| 03/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I had an order from XXXX XXXX that was received in XXXX of XXXX and the seafood portion of the order was bad. XXXX XXXXXXXX agreed to refund me a partial credit for the food that I was not able to use. The credit was in the amount of {$61.00} on XX/XX/XXXX. I received an email confirmation from XXXX XXXX regarding this credit and as of today it has still not shown up on my Fifth Third Credit card. I was told by XXXX XXXX that the issue is on Fifth thirds end since they have processed the credit on their side. I opened a claim with Fifth third and as of today XX/XX/XXXX I still have not received credit for this. I have sent them the confirmation email as well.
There is no reason 5/3rd cant credit me back the {$61.00} and chargeback XXXX XXXX due to the confirmation email I have sent to them from XXXX XXXX. This has been going on since XXXX and its now XXXX. They have been taking way too long to resolve this issue. Please help to get my credit back.
Thanks
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| 01/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
Older American |
|
On XX/XX/XXXX, I went to XXXX XXXX XXXX as my lease was about to expire. During the lease buyout I was informed that Fifth Third Bank showed 3 missed payments on my credit report, which otherwise did not have any negative reports. As a result, I was not able to get a good interest rate on my new loan.
On XX/XX/XXXX, I entered into a loss mitigation agreement with Fifth Third Bank regarding those 3 missed payments, which payments were placed at the back of the loan. I had co-signed on a car loan for my son, who had lost his job due to COVID-19 and was unable to make the payments. I explained this to Fifth Third Bank, which resulted in this agreement.
I did not know that these missed payments were reported to the credit reporting agencies and would have disputed it earlier had I known. I called Fifth Third Bank on XX/XX/XXXX and they were not willing to fix the issue and basically said there was nothing they could do and to submit a complaint with ftc.gov.
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| 04/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
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On XX/XX/2021, I made a car payment using XXXX XXXX to pay on the loan that I have with Fifth Third Bank the payment that was made had cleared XX/XX/XXXX. On XX/XX/2021, Saturday at approximately XXXX in the morning I received a call from Fifth Third Bank demanding payment on the loan, I explained to the person on the other end of the phone that I did make my car payment they refuse to hear me out and just demanded that I tell them when I'm going to make the payment. On Monday the XXXX I contacted Fifth Third Bank and talk to customer service and all they wanted to know is am I going to make my payment for XXXX, and when I informed them that I already made the payment on XX/XX/XXXX they gave me 24 hours to prove it or pay and I was to use this reference number XXXX.
I have three car payments left and planned on paying the car off after this payment and they are aware of this, I feel as if I'm being blackmailed into giving Fifth Third Bank an extra payment.
|
| 12/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I reached out to my servicer, Fifth Third to inquire about having the PMI removed from my mortgage loan.
They said it would require a re-appraisal.
Scheduled appraisal and appraiser visited on XX/XX/18.
Request for PMI removal was denied I received a copy the appraisal and around XX/XX/18 and noticed the appraisal was incorrect and did not have the correct bathroom count.
Notified 5th 3rd on XX/XX/18 that the appraisal was incorrect. Then notified numerous more times. They gave me the runaround for 2 weeks and it sounded like it was not going to get corrected and I would just have to deal with it being wrong and the PMI cancellation request being denied.
XX/XX/18 I received notice that the appraisal has been corrected and the PMI has been removed.
They still will not tell me the appraised value.
I have requested for a copy of the appraisal numerous times and have not received it. I need the appraisal and it is now going to be considered aged.
|
| 01/27/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
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I had a small credit card account with 5th third bank that I rarely used and had a XXXX balance on. At some point they charged me an inactivity fee but NEVER sent me a statement via Email ( how my account was set up or us mail ) Causing me to go 30 days delinquent I caught this because I got turned down for credit and I got a copy of my credit report.
I called 5th 3rd and sure enough they told me abut the issue. I Arged with them and they reversed all fees Late and inactive and closed the account for me. I asked if I was goinng to still be considered 30 days late ... They said no so I waited and ordered another credit report to find they still had me reported as 30 days late. I disputed the report and they responded that the reporting was accurate. I am attaching a statement to show they reversed the fees. I want my credit report restored to a never late on this account and I think 5/3rd should pay me {$200.00} for my time and inconvenience in fixing this
|
| 12/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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A divorce decree dated XXXX/XXXX/13 awarded my ex-wife, XXXX XXXX XXXX, ownership of the property located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Per the terms of the decree, she was required to refinance our jointly held mortgage with Fifth Third Bank, in her own name, within six months. She has refused to satisfy this obligation and has caused severe damage to my credit report since that time. Both my attorney and I have contacted XXXX XXXX in regards to this matter on multiple occasions. I have disputed this account with all XXXX credit bureaus. I have also contacted Fifth Third Bank in an attempt to be released from liability for this mortgage. All attempts to remove my name from this debt, and remove this debt from my credit report have been denied. It is my understanding that XXXX XXXX is unable to secure financing in her own name. Be that as it may, I should not continue to receive derogatory marks on my credit report due to her payment delinquency.
|
| 12/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
My wife 's purse was stolen from our car on XX/XX/2023. That same day someone tried to cash a check against our account. Thankfully a banker at the XXXX XXXX, FL branch of our bank caught it and put a fraud lock on the account. However, on XX/XX/2023 we had {$1900.00} deducted from our savings account for a returned check. I went to the XXXX, FL branch and they showed me the check that someone fraudulently cashed using my wife 's ID. Apparently this was at another branch and it wasn't caught. The signature wasn't even CLOSE to her signature either on her ID or the signature card on file with the bank. 5/3 opened a fraud packet on the incident but said the investigation could take 30-180 days. I'm not satisfied with this at all. Seeing as how the signatures were nowhere near a match, this was very lazy on the part of the bank representative who cashed our check. This should be a very clear cut case and I should have these funds made immediately available.
|
| 02/09/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
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My husband wrote a check out to Fifth Third Bank from his XXXX account to pay our mortgage. The check was solely intended to pay for the mortgage and is clearly noted in the memo (lower left corner of the check with my name and the Mortgage account number). Fifth Third Bank is holding these funds in my checking account, which is unfair! It is making my mortgage accrue interest and late charges that I should not be responsible for! Fifth Third Bank falsely (XXXX from the XXXX, Ohio branch) informed me today via telephone that the funds from XXXX were not available and if she made them available, I would be charged an additional fee. She ended the call with me shortly after that stating that she has "other customers waiting". I waited for service, too... My end result was getting hung up on. My husband called his bank and was told the funds were already cleared as of XX/XX/XXXX17. I want this resolved immediately and feel like I'm being taken advantage of.
|
| 03/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
XXXX user id Password- ( XXXX ) last known XXXX banking app online has been compromised and others including my sister XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Have all my identity and have been changing my passwords and pins to my bank accounts and have been changing my accounts around with all of my information including my ssn XXXX, XXXX XX/XX/1975, address XXXX XXXX XXXX XXXX XXXX Ohio XXXX, and I have reason to believe I'm being watched because my information keeps getting known to individuals above and my passwords and pins I keep changing them and someone keeps getting them! Please help me with this id theft alert problem! I've made a police report and a id theft .gov report! Not to mention all 3 credit reports agencies have all fraudulent information reported by my sister and others above that have stolen my identity! Please give me a report on all names listed on who reported what items on my credit bureau it is all false information!
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I borrowed some money awhile ago. It is something you borrow until your next pay. It was sent for collection. I don't understand why when they could have gotten the money out of my account weekly like it is set up too come out from next Deposit. Allow me too pay it off. They said it was discharged in XXXX. I have been with them for almost 20 Years. If I owe the money they could have taken and had me garnished. I never said i would not pay it back, just skipped my mind. I had money in XXXX and XXXX and they never went after the money in 2 Years. So they knew my Tax Check was coming too my Savings because I do direct Deposit each Year. My Tax Check was Deposit XX/XX/XXXX. Not even 2 weeks in my Account they went and took 85 % of my Savings and put me in a Hardship because it hit without notice. They were laying and waiting for this chance. Which they could have warned it was coming out or took it 2-3 Years Ago. This is Unfair Practice too take that amount
|
| 06/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I currently have a fifth third secure credit card. I couldnt enroll in auto payment online so I applied via mail. I sumbitted my first form of auto payments during the beginning of XXXX and still havent gotten auto payments yet and its already mid late XXXX. I didnt want to get charged a late fee so i called towards the end of XXXX to reassure if I was already enrolled in auto payments yet and the customer service reassured me i was already enroll and that it will withdraw from my bank account on XXXX XXXX so I didnt have to set up a payment. XXXX XXXX comes around and i recieved a call stating i have missed a payment and charged a fee. I called up to fifth third customer service and the lady told me i was not enroll onto auto and that she couldnt help with my problem so she gave me a number to call back to see way i wasnt enrolled in auto payment. I do not recommend this credit card or bank at all very unprofessional and do not value you as a customer.
|
| 07/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XX/XX/XXXX- I received a call at work. They did not want the person who answered the phone to get me just to give me a message.
Caller XXXX XXXX Reason : " Someone has filed a legal complaint about XXXX. I am trying to stop them from serving papers '' Called from phone # XXXX-XXXX-XXXX but I was to call back on XXXX-XXXX-XXXX-XXXX. I called back and he told me that I owed {$3000.00} to Fifth Third ( I have not been with them for 12-15 years and closed account on positive note ) and court cost will be an additional {$2500.00} plus the 29.9 % interest that I keep accruing and if I do not pay I will have a court order delivered to my job in 24-48 hours. I told him go for it because I do not owe Fifth Third. I asked for backup and he could not provide. Also, said he sent papers to my house which I never received. Kept threatening me with my assets said they are being investigated now. Called from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
|
| 11/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
|
|
Web |
|
|
Won a lawsuit against XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. MI XXXX in the amount of {$5.00}, XXXX for destroying my driveway. They did not pay, On XX/XX/XXXX XXXX a request for WRIT FOR GARNISHMENT was filed with XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX against 5TH THIRD BANK, XXXX XXXX XXXX XXXX MI XXXX. I Received notice from the court on XX/XX/ that XXXX XXXX XXXX had " NO OPEN ACCOUNTS '' with Fifth third. I run a small landscaping company and at one time acctually bought Mulch from XXXX, I have two cancelled checks payable to XXXX drawn on Fifth third I used to pay for this mulch, made in the order of " pay t o the order of '' XXXX XXXX, I feel more investigation may be due, is some one twisting words, and XXXX is running over more people in our town as I am not the first this has happened to. They also hold a lot of monies witch could possible sway decisions.
The bank Representative was XXXX XXXX LEGAL OPS. SPECIALIST FIFTH THIRD BANK, XXXX
|
| 11/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I purchased a vehicle from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan that now I am unable to afford. They prayed on my vulnerability because at the time I needed a vehicle. They conspired with Fifth Third Bank, which in turn sold the account to XXXX XXXX XXXX, knowingly that evidently I would default on the loan due to my inability to pay ... .PREDATORY LENDING. Now I am stuck in this loan with high interest and high car payments, owing way more on this vehicle than what it 's worth. I was never offered a carfax for this vehicle and after purchasing one on my own, found out that it was one of a fleet of rental cars. Based on the federal " XXXX XXXX '', this information should of been disclosed to me as a consumer in the purchase. I tried in vain to take the vehicle back to the dealership and was deceived several times. I simply can not afford this vehicle. It will probably be repossessed.
|
| 03/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I opened a new auto loan through Fifth Third Bank on XX/XX/XXXX through my dealer. There were several times that Fifth Third Bank lost my payments. I would call because I would get a late notice and it was very difficult to reach customer service to get it resolved or to make the payment over the phone. I also tried to set up auto payments so that I would not have the issue of the payments getting lost and that was also difficult to have a representative help me. I eventually refinanced the loan at a different bank. When my bank sent the payoff to Fifth Third Bank the payment was again not applied right away and the lien card was not sent to my financial institution in a timely manor. I have suffered a 30 day late on my credit because of it and it is costing me higher rates on other loans. I closed the loan on XX/XX/XXXX. This is unfair lending because it is costing me higher rates and lending for a service that they did not provide in a timely manor.
|
| 06/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
since opening an account with this bank they have had several ongoing issues. fifth third has had problems in which I am was not able to access my account via the mobile app or online, they have at all times made accessing my account and changing simple things even such as my phone number a huge hassle. When calling into customer service there is consistent rude, nasty service by people who dont speak clear english. When asking for a supervisor I am often hung up on or transferred tot he wrong departments. I am often given wrong information as to matters such as what actual debit card is active on my account. The bank has made disputing transactions as complicated as possible. The have misrepresented bank terms and conditions to me as well as privileges. The bank when I have called to speak to a manager I am transferred to the wrong departments or placed on holds of an extremely long time and often still transferred to someone who is not a supervisor.
|
| 08/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I 'm a XXXX and tenants deposit money into my checking account with fifth third bank here in XXXX, Ohio on XX/XX/XXXX a tenant deposited {$590.00} dollars into my account, I checked online and the money was listed as being in my account. on Saturday XX/XX/XXXX when checking my account the money had disappeared there was know record of deposit etc ; I went to bank branch I use and inquired about this mistake and was told by banker that money was deposited at branch XXXX XXXX XXXX XXXX, ohio XXXX, by XX/XX/XXXX I had not heard anything nor had my money been returned to me. I personally went to this branch and talked to a XXXX XXXX who is the banker, branch manager was at lunch, she researched and admitted something went wrong with deposit and bank manager would contact me in a day to explain what was going on. so far this is XX/XX/XXXX I have not heard from anyone and when I call to inquire no one seems to have the answer to what happened to my deposit.
|
| 11/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
We have a loan for a vehicle that we have been attempting to make the payments on, and we continually receive calls, even after payments have been made. On XX/XX/XXXX, we made a payment of {$4000.00} of the {$12000.00} remaining balance. We had a past due balance of {$1000.00}, which would have been plenty to cover the past due amount. At XXXX XXXX on XXXX/XXXX/XXXX, I received a call from Fifth Third Bank employee stating she was calling regarding the past due amount. When I said she needed to check my account, as I made a payment last night, she stated that they can not check the accounts before the calls are made. She also stated that the only way to stop the calls would be to contact the bank when we make a payment, or make the payment early. I feel this harassment has to be checked into, as I feel that is not right nor fair to me to have to explain to the bank that I made a payment when they have access and can check their system before calling.
|
| 08/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I have a car loan on which I created an auto pay account within my personal bank. So the payment will be donde monthly prior to the due date. The payment history with the bank that has the car loan is excellent never missed a payment and the amount sent every month was over the regular amount. All of the sudden my bank stop sending the payment and the account was behind for nearly two months. They report to the Credit Bureau a delinquency on my account. I never recieved a phone call from the XXXX XXXX.
I contact the bank and they verify my excellent payment history with them, including my amount of the payment been more than the regular. An electronic payment was sent to cover the balance due, which by the way was less than an actual monthly car payment.
Since the lender procced to report my " delinquency '', my credit score is affected. I want to dispute the report and get it removed from my credit report. So my credit will be as good as it was.
|
| 02/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I have been with Fifth Third bank for many years and never had this problem.
On XX/XX/2023 I put a deposit into my account of {$7500.00} of XXXX XXXX.
The deposit cleared XXXX also on the XXXX.
On XX/XX/2023 I put another deposit in the bank of {$6300.00} XXXX days later when checking into my account the deposits were there but the funds were not available.
I went to the bank and they told me that the funds were marked as inefficient and would take a week to be good. I asked why and they said that it was because I put them in their ATM attached to the bank. I told them that I have been doing this for years and they said they could do nothing.I asked why no sign on the ATM about this with no answer. They said if I wanted this not to happen again to come in to the inside teller window.
The cost of interest I had to pay on my bills because of the delay was not wright The bank should at least put a sign on there ATM informing customers of this!
|
| 02/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth Third mandates I pay an escrow even though Fifth Third has failed to pay for my homeowner 's annual insurance premium. Fifth Third now acknowledges my homeowners is with XXXX XXXX and acknowledges the correct premium dollar amount of {$900.00}. However, Fifth Third has the payment due to XXXX XXXX in XX/XX/XXXX when the actual date the annual premium is due is XX/XX/XXXX. I have attached two items from XXXX XXXX showing the premium is due in XXXX. Fifth Third did not pay the premium in XX/XX/XXXX. I was forced to make the payment or be lapse in my homeowners insurance. I thank Fifth Third for their letter dated XX/XX/XXXX detailing my starting escrow balance of {$1000.00}. My required escrow balance is {$1000.00}. I already have {$33.00} excess in my escrow balance and Fifth Third is forcing me to pay escrow for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX or an eight additional months.
|
| 03/09/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I purchased total loss protection for a used XXXX XXXX XX/XX/2012 through XXXX XXXX of XXXX. I was told when the car was totaled in an accident that I was over charged the value of the car and the GAP insurance would not cover XXXX dollars. I payed XXXX of this XXXX not knowing that the Gap insurance should have cover all of the Total loss of the vehicle. Fifth Third Bank was the lender I garunteed my loan through. They are sending me letters saying I owe them money. I have not called the number on the form because I do not want to communicat with them verbally. This claim is against Fifth Third Bank XXXX XXXX and XXXX XXXX of XXXX Massachusetts. Fifth Third Bank has admitted to 15 million settlement since they have allowed automobile dealers to charge higher interest rates to XXXX XXXX and XXXX borrowers than XXXX borrowers with similar loan qualification. Because the bank is admitting to wrong doing, why are they still requesting money from me?
|
| 11/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Mortgage # XXXX.
Fifth Third Bank To Whom it may concern : Our mortgage loan went into servicing on XX/XX/21. Shortly after in XXXX starting on the XXXX, we made several large principal only payments to get our loan to value down in order to drop PMI. See list of dates below : XXXX {$20000.00}. XXXX {$20000.00} XXXX {$40000.00} XXXX {$40000.00} XXXX {$40000.00} Once we completed our last large principal payment, we contacted the customer service line to request the XXXX be removed. The agent told us that XXXX was a credit and would automatically be removed. After the XXXX did not automatically fall off, we reached back out to the mortgage offices that did our loan last year. She instructed us that we need to request XXXX to drop. As a consumer, I had no idea of the process or how to get the charges to drop. As a consumer, I am seeking a refund of {$610.00} which were overpayments due to a very tricky process of managing or removing the XXXX.
|
| 05/09/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The second mortgage held by Fifth Third Bank was discharged in bankruptcy in XX/XX/XXXX, and was not reaffirmed. We have no personal liability for the debt. We have been unable to make payments toward the debt from XX/XX/XXXX through the present. Our home appraises with negative equity, it 's " upside down. '' We have recently had the opportunity to borrow a small amount of money from family and friends to attempt to release the lien on the property. We have offered a lump sum payment to Fifth Third Bank on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, as well as several times in XX/XX/XXXX, including today, XXXX XXXX, XXXX. Fifth Third Bank has been belligerent to us repeatedly regarding the same, and has refused to negotiate with us in good faith. They have stated that they want the full unpaid principal balance paid. We have provided documentation to show financial hardship and a willingness to pay to release the lien, and they refuse to cooperate.
|
| 08/21/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
XX/XX/2023 The XXXX XXXX XXXX, XXXX XXXX, I am once again requesting that someone from XXXX please help me resolve the issue with my mortgage.
I have been working with the XXXXXXXX XXXX XXXXXXXX XXXX and they are willing to assist me in saving my home, but I will need the following assistance : 1. I will need the block to be removed from my account so payments can be made.
2. I need to know the total outstanding balance so I can be sure to have the appropriate money available.
I have still not heard from XXXX at the XXXX XXXX XXXX who placed the block on my account. XXXX stopped from her end in XX/XX/2023. XXXX XXXX XXXX is ready to assist so it is imperative that someone communicate with me immediately.
I would like someone from your office to check into my case with XXXX and get back to me so I might know where I stand with the bank. I would appreciate this courtesy.
You may email me at XXXX or call at XXXX.
Respectfully, XXXX XXXX
|
| 01/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Dear Madam/Sir, Thank you!
I have a mortgage in FIFTH THIRD BANK ( www.53.com ), the mortgage loan account is XXXX.
I already paid the full mortgage on XX/XX/XXXX, but the FIFTH THIRD BANK don't report the title company. So I get a lien on my house title, I cant trade normally, its very urgent.
On XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website, just ask for a paid in full letter mail and fax to me. The agent of the FIFTH THIRD BANK said they will mail and fax me two busniess days, but they did not.
After two busniess days, on XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website again, they also said they will mail and fax me two busniess days, but they still did not.
On XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website, The agent of the FIFTH THIRD BANK said they will mail and fax me one busniess day, but they still did not.
How can I get my paid in full letter?
|
| 07/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
15 years ago, while living in XXXX Illinois I had a 5/3rd account, chec/ saving with overdraft protection. I over drafted my checking by XXXX cents I was notified by 5/3rd that I had 24 hours to bring account current, please note there was 10-15 dollars in savings account during this time. I went to ATM in XXXX XXXX and put XXXX dollar into checking account for the XXXX cents. I contacted Vp of account services XXXX XXXX or XXXX for XXXX XXXX and my banker on XXXX XXXX and XXXX XXXX XXXX. Now 5/3rd is suing me with threats about shutting down my checking privileges due to their error. I have tried calling staff wont give corporate number or contacts, refusing to give appropriate info, letter written to XXXX XXXX or XXXX. Their lawyers number is XXXX XXXX now they are saying I over-drafted my account by over XXXX. 5/3rd was paid their XXXX cents in a timely manner and they kept the money in accounts when I closed them years ago. Please help!!
|
| 11/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Fifth Third Mortgage Acct Number : XXXX for property sold at XXXX XXXX XXXX XXXX, XXXX, GA XXXX.
I have contacted 53rd bank several times in an attempt to have my {$800.00} overpayment of escrow refunded to me, but the bank has refused. I sold my property in XX/XX/2022 and the amount in escrow for tax was to be refunded to me. It states this in my closing documents. The company tells me they issued ( and reissued ) the check, but I have not received it. This has been going on now for 3 months. Each call to their office takes hours to complete because their hold queue/customer service is not properly staffed. The escrow overpayment amount was on the website in my account history, but the company has revoked my access to my account history since the mortgage has been paid off. I no longer have access to my statements or anything. I want a copy of my escrow statement which they have not provided and I want a refund of the escrow overpayment.
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| 04/15/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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We were trying to purchase a Westie pup and transferred {$700.00} through XXXX to the following account/transaction info : Contact Method : XXXX Processed : XX/XX/2021 Payment ID : XXXX This was transferred out of my Fifth Third Bank account. I figured out it was a scam when an email came from the shipper ( XXXX ) saying I needed {$1100.00} in pet insurance ( payable by XXXX of course ). This email was very fishy and the alarm bells started ringing ( I wish they had rung earlier ).
After I figured out it was a scam I tried to get my money back and of course through the scammer email address and they disappeared with my money and there is no recourse through XXXX. The banks have really set up a pretty bad system with this platform. Scammers are having a field day on it. I should have know better but their social engineering skills were strong and my kids were jumping up and down in front of me wanting a puppy. Now we are both disappointed.
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| 12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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In XXXX I was shopping for a new vehicle and had reached to two local dealerships. On Saturday I contacted XXXX of XXXX and XXXX XXXX of XXXX. I contacted XXXX of XXXX that morning when I saw XXXX XXXX showing there was a hard credit inquiry from Fifth Third Bank. At this point I had not authorized any dealer to run my credit at any bank. I called Fifth Third that same day, XX/XX/XXXX and waited to speak to customer service. Once I finally got through the Fifth Third representative advised me that if there was an inquiry showing in error, because XXXX XXXX did not tell me anymore than that, I should call my bank for assistance. So Fifth Third although they were showing as the hard inquiry this rep told me to call my bank which is XXXX. So now I have a hard inquiry on my XXXX report from Fifth Third Bank that will be there for two years impacting my fico score. I would ike this hard inquiry removed as i did not authorize this credit inquiry.
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| 03/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have used 5/3 Bank for mortgage, different loan, for over 15 years. Late last year I started to have major problems with the bank related to an escrow which they open without my knowledge. Due to this issue I had unapplied funds and late payments as my monthly payments did not match up with the new amounts. I filed a complaint about this as at the end {$1800.00} is missing from my account and no one has yet provided an explanation of where the money is located.
I have always paid my mortgage before the end of the grace period which is on the XXXX of the month. However, since my complaint, I am now getting calls from the 5/3 collection group by the first of the month asking for my payment even though technically not late. I asked them to stop these calls but they are saying that this is their procedures. In my mind, this is retaliation and harassment for the previous complaint.
Need help to stop this retaliation and monthly harassment.
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| 11/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Ive been having trouble the past two months with no having my on time mortgage payment processed for Fifth Third Bank because I owe a surprise new amount for escrow. The communication of the escrow analysis change has been poor but understandable because of USPS delays and that I havent set up an online account yet ( my mortgage was bought by them recently ). The adjustment to the escrow didnt align with when my property taxes are adjusted or with an insurance renewal so I was confused why it would change. Yesterday when I was able to talk to the escrow team on the phone, they told me that it was their process to hold twice the amount of the total of my projected property tax and insurance costs in the escrow account. So I paid the overall shortage of {$270.00} and my mortgage payment is also increasing by {$16.00} every month. It doesnt seem right that they are about to hold double what I am projected to owe in property tax and insurance.
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| 01/29/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Something is not correct Fifth Third Bank has not computed the numbers right, in 2015 i have made all 12 Mortgage payments of {$1000.00} Plus and with each payment {$570.00} x XXXX is {$6800.00}, which the XXXX x {$570.00} going into my escrow account, fifth third is playing very hard with me and telling all you get is {$14.00} i previous had a balance left over in my escrow account of about {$1400.00} this total is was to suppose to be {$8300.00} after all payments are paid out for Disbursement, The items to be paid is my home insurance which is {$650.00}, Taxes {$4200.00}, PMI {$410.00}, and 2 months of Cushion of {$810.00}, i asked fifth third bank where is the balance of the funds in my escrow after all item have been paid and the balance should be {$2200.00} as an overage, Fifth Third Told me that i do n't have any overage in this amount only {$14.00} plus, Something is not right, can you please help me to figure out what is going on.
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| 09/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I was scammed out of thousands of dollars by a cryptocurrency trader or some kind XXXX expert. I was told that if I invested {$1000.00}, I will make {$10000.00}, which I did, but I needed to pay an upgrade fee of {$3600.00}. I finished paying it off, but I was told that I had to pay {$1900.00}, because I failed to pay the upgrade fee on time ( {$3600.00} ). I informed her that I wouldnt be able to pay the {$1900.00} and I asked for refunds, but she refused to do so and she repeatedly told me I cant get refunds. I informed my bank, fifth third bank, about the situation and they issued a provisional credit of the total I gave away ( {$4600.00} ) on XX/XX/XXXX. Its been a month and they are now asking for the funds to be returned. I was told that I would receive a resolution of the case on XX/XX/XXXX, but I never got any calls, emails, or texts about the status of the case. I assumed that since I received the provisional credit, that was it.
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| 10/26/2021 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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XX/XX/2021 I went into 5/3 Bank because after several online attempts no one can help me get setup to pay my mortgage online. The Banker was helpful and got me futher than others. I couldn't retrieve documents and I shouldn't have to drive to pay my bills.
When I got home I called for support. The XXXX XXXX, person asked me to call customer service.. I waited an hour for a return call. The guy ( customer service ) put me back in loop for a mortgage professional. I hung up because it's a long wait. This is customer abuse. My husband XXXX XXXX died XX/XX/2021. I am still grieving my loss. I am the successor and need to access documents and pay the mortgage online. No one is correcting this online problem. I had to bill pay with my bank. 5/3 don't have electronic means which delays posting and charges a late fee. I am very frustrated with their service. I believe XXXX I paid late fee thinking it was late, it wasn't. I should have a credit.
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| 06/23/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Ok on XX/XX/XXXX an XXXX 2021 My checking account the bank 5 th 3 rd Put a fraud alert on my amount cause their was fraud going on!
On XXXX XXXX I think it was The bank told me that I had to put my friend on my acct cause 5 th 3 rd Had his check and wont let it go throw my account!
But I have before and his unemployment checks had even be deposited into my account and his name wont on the account!
But I ask for his XXXX to be removed and the Fraud department told me ok!
Well on XX/XX/2021 This person when it to my account and at a branch In XXXX ky and the clerk aloud this person to change my address on my account and he was a 2 nd Dairy on my account I was married for 30 years I know it is against the law for the bank to lead a secondary person change the primary persons address this is very illegal now my information is going somewhere else XXXX knows where or who has it what can I do to hold this bank responsible for their mistakes
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| 07/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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In XXXX I went to my financial institution for help with my credit. I signed up for a secure card for {$300.00} and another for {$420.00}. I was a XXXX XXXX XXXX working full time as well. As the year went on my education needed more attention so I cut my hours at work. In XXXX of XXXX I fell behind in my payments and could no longer continue to pay on this card. I reached out to Fifth Thrid multiple times explaining my situation. I was told in XXXX that I could put the {$300.00} I used to open the account towards the balance due. Ive been agreed because that would help me with both accounts. Well XXXX I noticed that I am still being charged late payments for only one secured card and not the other.They applied my money towards the balance for only one card but not the other. Since XX/XX/XXXX Ive havent resolve this issue and I am unable to speak directly to the department that needs attention. Please help me resolve this issue. Thank you
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| 12/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Older American, Servicemember |
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Since 1 week ago today Fifth Third has locked me out. I have spent 4-6 hrs./day on phone. As you know, this is the 2nd time.
What they have done to me, an XXXX, XXXX XXXX woman XXXX XXXX XXXX XXXX XXXX XXXX, this is unconscionable. Only 3 times did I actually get a real person. I even called the fraud dept. number & got through to someone who said it wasnt the fraud dept. All of the times Ive been on the phone my battery ran out.
My supportive living bldg. wanted me to recertification this wk. & I couldnt provide my banking info.
Your reviews I read, too many to continue reading, for the most part have the same complaint. I have never seen anything like this & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Im done. When this mess is taken care of, Im switching banks.
They even had my email as one I had 20 yrs. ago. They had my previous bank as 1 I havent banked at in years.
I DEMAND ACTION NOW!
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| 07/07/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I received a check from a company that was suppose to be a job that I applied for and tried to deposit the check into my account. They put a hold on the check as I expected to make sure the check could be verified. The check turned out to be sent to me from someone trying to scam me. The bank notified me that the check was not good and I tried to explain to them where the check came from and that I was being scammed and they blamed me and closed my account. My account was closed for suspicious activity and as a result I am unable to open a bank account at any bank. The reason I was given was that I should've known better, but how was I suppose to know. I though that was why the banks take time and put a hold on the check to make sure the check is from a real company. I feel they blamed me and closed my account unlawfully and caused me to be unable to open up any bank accounts with other banks because of their report. I really need help.
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| 02/07/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XX/XX/XXXX I signed up online for a new checking account at 5/3 Bank under a promotion which offered a {$200.00} bonus after making 3 online bill payments and setting up a direct deposit. The offer states that a {$50.00} minimum deposit is required to open all checking accounts and obtain bonus. I made the 3 bill payments on XX/XX/XXXX and a {$50.00} payroll direct deposit on XX/XX/XXXX, thus satisfying all of the necessary requirements. The terms of the promotion stated that the bonus would be paid out within 6 weeks of completing the requirements. As of XX/XX/XXXX, I still have not received my bonus payment despite multiple phone calls to customer service. The bank is claiming that the offer required a {$500.00} minimum direct deposit, however the terms of the offer displayed online when I applied made absolutely no mention of {$500.00} minimum. The only minimum deposit amount mentioned in the terms was the aforementioned {$50.00}.
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| 09/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In XX/XX/2020, my wife and I met with a loan specialist at Fifth Third bank in XXXX XXXX Ohio. The gentleman promised us a new mortgage rate of 3.89 % if we refinanced our loan with him.
We submitted all information requested including paying our HOA a fee for documents requested. We were told that we had been approved, but the process was delayed by underwriting. For five months we waited.
The branch manager apologized and told us that the rates had actually dropped so we'd be getting a better rate, just to be patient. At the end of XX/XX/2020, the loan specialist called to notify me that we had moved to closing. But when I asked about the lower rate we had been promised. He told me that the rate had actually increased to 4.29 %.
When I questioned this with the branch manager he made multiple excuses and was rude.
I believe this to be bait and switch tactics and will never consider doing business with Fifth Third in the future.
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| 10/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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The issuing bank is Fifth Third Bank, credit card ending in XXXX.
In XX/XX/XXXX, I closed a checking account with 5/3. There was an ach of {$120.00} to XXXX XXXX XXXX that was made on this account. I disputed this charge twice, denied both times and paid 5/3 the {$120.00} + late fees and interest charges totaling {$330.00} on XX/XX/XXXX. See attachment statement dated XX/XX/XXXX.
This was not the full balance and I asked 5/3 to waive the remaining {$38.00} late fee. They have refused to do so and have continued to add late fees and interest to this account. See attached statement dated XX/XX/XXXX.
I have sent numerous messages both online and by phone. I have even filed a complaint with the XXXX with 5/3 refusing to resolve this matter and stating they would no longer communicated with me.
I'm seeking the balance, as of this date of {$160.00} be waived. This balance is only late fees and interest. I also want this account closed.
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| 03/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I purchased a vehicle from XXXX XXXX on XX/XX/XXXX, and never received notification from any lender to make payment. On XX/XX/XXXX I was called by fifth third bank by their collections department stating that I was delinquent. I communicated that I knew that I had a auto loan, but had not been notified in writing and made that request.
The CS stated they could not send anyting in writing, but could take payment over the phone. ( I do not give or send money over the phone because someone calls and does not properly identify the business in writing and I can vet the information ). I got to the office on XX/XX/XXXX and spoke to customer service and requested a payoff and immediatly sent this via mail. ( As they refuse to take payoff via bank draft ). I am still getting calls from this banks collections department even after I have sent the payment in full. Just disgraceful treatment from a incompetent bank that is not following the law.
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| 05/03/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/XXXX at around XXXX I visited a Fifth Third bank ATM and I attempted to deposit {$1500.00} in cash into the ATM. Their ATM took my cash but the machine then stated that it didnt recognize any money being put into the machine so I cancelled the deposit and went into the branch to get the contact information of the dispute department. I filed my claim on XX/XX/XXXX and again on XX/XX/XXXX when I submitted my reinsertion letter for the case to be further investigated. The branch submitted documentation showing that their ATM was out of balance. However, my case has been denied constantly even with the proof of the ATM being over balanced. I have yet to receive the credit to my account that I deserve and I am going to continue to be persistent in my efforts to resolve my case. I am asking that the investigator takes the documentation from the bank into consideration as well as video footage if the ATM is equipped with a camera.
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| 07/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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We applied for refinancing Fifth Third Bank in XXXX 2015. We filled out the application and opened an account as suggested, began our home banking, began submitting all documents and exchanging correspondence. As the months went on, several obstacles seem to arise and more documentation seem to be needed and supplied. And again more and more. Then time lines seem to pop up expire, get extended, expire and disappear. More paperwork and re-submissions. Phone calls and emails to one co-owner and not to the other so that communication was not clear ... .. Finally we told XXXX XXXX, NO MORE EMAILS OR PHONE CALLS. WE WANT COMMUNICATIONS IN WRITING VIA USPS MAIL ONLY. The next communication we received was an email from a regional manager saying that our application had expired! We already had assumed that this was fraud and that we had been taken for a " RED LINED '' ride! This was a HARP refinancing loan with our equity and XXXX mortgage.
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| 03/08/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
Older American |
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Fifth 3rd Bank was my bank for many years, and I finally closed my account in XXXX after many years of wrongly being charged for insufficient funds when I actually had the money in my account. This bank does not follow first in, first out guidelines when paying out my funds. They pick and choose which checks they honor, not based on when the checks get processed, thereby causing overdrafts in large numbers. For the year XXXX, they charged me over {$2000.00} in overdraft fees. They also several times held my deposits for over 2 weeks citing the reason being that I had excessive overdrafts!
I was so upset over the fees in XXXX that I didnt look up the fees for XXXX or XXXX, but even if they decreased by half, that is still a total of {$4000.00} over just 3 years! The reason I didnt close my account earlier is that I got ill and had to concentrate on my health, and as well, I had all my bills attached to Fifth 3rds automatic bill pay.
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| 02/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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I opened a 5/3 XXXX credit card on XX/XX/XXXX which gave me 0 % interest on initial balance transfers and purchases for 12 months.
I have made multiple payments during billing cycles on several occasions and the account is in good standing with no late payments or fraudulent activity.
Upon logging on XX/XX/XXXX to make a payment my account was inaccessible. I contacted costumer service and after talking to the fourth representative I was told that the account was closed and the credit card was revoked on XX/XX/XXXX due to potential fraud for all users of this card type in California.
I have automatic payments set up on this credit card and have made all of my payments online through the internet banking portal, these have now been deactivated and I am now required to make payments over the phone or through mail.
I am also not able to make purchases for the remaining three and half months I have left at the 0 % interest rate.
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| 12/18/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Something has happened to my account.
On XXXX XXXX, I lost my purse, which included my phone and my wallet. I contacted the bank on the to cancel my account. Since I no longer had a job anyways, I decided I would n't be opening another account. I was going to have to make arrangements for my checking account because it was over drawn. I was advised that I would need to visit a branch to do that, and at that time I closed out my savings account as well. I no longer have access to the accounts online and no one will answer any of my questions on the phone as to : A ) Why and how both accounts are right at or more than {$500000.00} overdrawn B ) Why did I get a statement on XXXX XXXX advising me that they were closing out all XXXX of my accounts.
I do n't know what has happened or how any of this has happened, and now I 'm running into problems verifying my identy online with ANYTHING XXXX XXXX XXXX, even the XXXX XXXX Please help!
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| 07/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with cash advances
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Web |
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I made a purchase that required me to use a licensed dealer in my home state. The dealer charged a {$25.00} fee to facilitate the transaction and I used my 5/3 credit card to pay the fee. When I received my credit card statement they showed a cash advance, which never occurred. I contacted the dealer and they assured me that their credit machine was not set up to do cash advances and taht it was run as a credit transaction. I called the credit card company and was told that it was run as a cash advance and that the extra fees and higher interest rate would not be waved. I explained that I had never done a cash advance and that the dealer stated it was run as a regular credit transaction. They insisted that I owed the fee. I spoke to a customer service representative, their manager, the disputes department, and received the same line from each that it was run this way and I had to pay even though I was never a part of a cash advance.
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| 04/04/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I submitted an application for a short sale with my lender in XXXX of 2021 I have an FHA and fully understand that I would have to be reviewed for retention options prior to being reviewed for a short sale. I submitted all required documentation with the help of an authorized 3rd party. I have on 4 different occasions been asked to furnish the same documentation over and over. I am still being perused for mortgage payments. I have a buyer who is under contract and willing to purchase the property. They continue to ask me to submit the same documents over and over and switch XXXX individuals each time and each new one says they no longer handle it. Please assist with having the lender review the documents so that this isn't continuing to be a further hardship. I am a single mom with major obligations and this property has been empty since XXXX of 2021. Also, I am not receiving any letter with status update I only find out if I call.
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| 05/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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We have used mobile deposit for years and made very large deposits. We deposited a check on Sunday and it should have been available today. It was not.
This is unacceptable. We called the bank customer service as well as the branch and every person let us know there was nothing they could do, saying things like I will get a manager but like I said we can not call to verify funds, etc .... how is this customer service? Its our money not the banks money.
We also asked why the check was being held, no one could verify why and if there was a funds issue on the other end because its all " electronic ''.
Well then you should be able to see electronically what the issue is, its a lie they know and they should be able to call and we will be closing our account.
We want this resolved immediately. It does NOT take eight days to figure out if a check can clear on electronic systems. What a racket to collect interest on peoples deposits.
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| 03/08/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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On XX/XX/2016 my husband and I paid off our Mortgage Loan # XXXX at Fifth Third Bank on Butternut in XXXX MI. To date we have not received a discharge of Mortgage or release of lien on our home. I have spoken with a representative at their customer service department who told me I could go to the XXXX for that information ; we did not make our payments to XXXX. I have also spoken a number of times with XXXX, a manager at their XXXX Branch ( the Branch where we did business ). Each time I have spoken with XXXX, I was told to expect " something '' in the mail or that I would get a call to pick it up at the branch. After a month of repeated calls I have yet to receive anything!!! Is it not a normal course of business for a lender to provide evidence of a satisfied debt to their customer? In the past when paying off a mortgage/loan I have received the original note marked " discharged '' or " satisfied ''. Is this an unusual request?
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| 06/19/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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Received automated email from 5th/3rd regarding a charge to my atm/checking account being suspicious with instructions to call to verify. It was a non authorized usage of the card and I called 5th/3rd as instructed and passed that information on to the representative on XX/XX/XXXX. The representative said she would note my account. I told the representative that ATM account had never been used since issuance and potentially was compromised by a Branch Employee who my wife saw on the prior day. I instructed the representative to cancel the ATM account that had been compromised.
Today I received my 5th/3rd Bank Statement and the charge that was fraudulent showed up on my Statement even though I called back on XX/XX/XXXX and informed 5th/3rd of the fraudulent use of the ATM card.
This issue should have been addressed when I called 5th/3rd, responding to their email, and informed them of the fraudulent use of my 5th/3rd account.
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| 01/27/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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less than a year ago, needed credit card advance that my bank couldnt accommodate due to a chip card. They reccommended XXXX up the street. Went in, told you have to be a customer. Opened an account with {$100.00} and did my advance. Specifically asked about fees, told to my face there was no fee on this account. Whether put in wrong account or told incorrect information I had {$11.00} a month fee taken out. Forgot about account really, opened a letter dated XX/XX/2018 saying I need to address this or be reported to credit bureau. The entire account was drawn down by a monthly fee, then overdrafted. Now they want to report to a credit bureau? Call a branch I get a run around that really frustrates. A fee is generated out of air, I want my original deposit back and rid myself of XXXX altogether. By the way, being a customer by opening an account for {$100.00} when I advanced {$2000.00} never made sense, I mentioned this up front.
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| 02/06/2023 |
Yes |
- Credit card or prepaid card
- Payroll card
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Web |
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I order a XXXX cake for XXXX $ and food for XXXX $ for a birthday party. I don't have a screenshot of their original date of purchase but I do have receipts from both merchants. They took both amounts from my account the day I bought them ( XX/XX/XXXX and XX/XX/XXXX ). That left my account at XXXX XXXX I got paid and they withdrew a XXXX time. Lowering my balance. I can't afford grocceries now and I tried contacting them. They were in denial about the whole thing even tho my partner also saw the charges were charged the day after. I bought on XXXX after and that got double charged too. They're stealing my money and want compensation since it's been going on for awhile but I haven't noticed it until I looked hard and see my purchase date and withdrawal dates kept changing on the app. I don't have exact ss 's but I have screenshots below showing the pending yet they took money out of my account. They're going to charge me again.
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| 11/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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I have never been able to access my Fifth Third Bank XXXX Checking Account.
I have spoken to multiple Fifth Third Bank employees, and received an inconsistent range of responses regarding this issue : I have been told my account should be immediately accessible ; that it will take 14 days to access due to a " system glitch we've known about for over a year now '' ; and have been hung up on when requesting a supervisor or escalation for this issue.
I need to be able to use my bank account, that is why I opened it. When I advised I would be filing formal complaints with the CFPB and XXXX, I was actually ENCOURAGED to do this by local branch employees, so that " something would finally be done about this issue ''.
This is a ridiculous, absurd, and disgraceful first impression of Fifth Third Bank. I won't forget it, and hope the rest of my tenure with Fifth Third Bank is smooth and painless.
Thank You in advance. XXXX XXXX
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| 09/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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My mortgage was just sold to Fifth-Third Bank last month. They have been the worst mortgage servicer I have ever dealt with. They have no real way to access your loan information online. I called them so I can get access to an online portal and they wanted me to create a " false '' credit card in order to set up a mortgage account. They were unable to create the " false '' credit card number and told me to call back in a few days. If this was not a major bank I would assume this was a scam with someone trying to create a credit card in my name. Honestly, I am unsure how safe it is for the bank representatives to just give out " false '' credit cards to everyone.
A XXXX XXXX to Fifth-Third Bank.
It's great that you want to buy mortgages! But, if you want to be in that line of business you probably should have an infrastructure that does not make you look like a scammer trying to create credit cards in other people 's names.
|
| 06/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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|
I have a mortgage with 5th 3rd bank since XXXX. Beginning on XX/XX/XXXX my home burned. The fire department arrived on XX/XX/XXXX. I filed an insurance claim and checks were issued to myself and 5th 3rd bank for a total loss. 5th 3rd put the funds into escrow for the rebuilding of our new home. We are still in permitting process but the bank has demanded we get homeowners insurance for a home that does not exist. Our old insurance was cancelled because they said they could not insure a structure that did not exist. % 5h 3rd had told me in XX/XX/XXXX that I did not need insurance until my home was built. They have sent me several letter demanding I commit fraud by buying insurance for something that does not exist.
I have contacted them several times and each time they lie to me and drop the issue. They keep hanging on me because I am XXXX with XXXX and can not handle XXXX, when I ask them to accommodate my XXXX they hang up.
|
| 02/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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|
I sold my corporate owned business on XX/XX/XXXX. My credit card processing company threatened me with {$490.00} cancellation fee, my actual processing fee of {$59.00}, {$20.00} fee, and an additional {$200.00} fine/fee. When we discussed this issue on the phone the lady I spoke with threatened me, that she would put this corporate bill on my personal credit report, basically extorting me out of my money. I paid the {$490.00} dollars even though it was not my personal debt for fear of her ruining my personal credit, which is exactly what she threatened to do. She said if you do not pay this today by XXXX I will ruin your credit score and it will drop into the 400 range and no one will ever loan you anything again. This happened on XX/XX/XXXX. I have the email of the company and of the individual that extorted a corporate bill, to use against me personally.
Thank you for your time and consideration.
Sincerely, XXXX XXXX XXXX
|
| 04/29/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
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|
I originally submitted a FHA loan application on XXXX 2015 for a mortgage, submitted all paperwork and paid fees including an inspection I was told when the application was in the underwriting process the house I was buying was a flip and FHA would not accept a property that was flip unless it had more than XXXX days I lost the property and the money the bank did n't tell me that requirement until it was about to close. Then I found another property submitted and application they told me it would be faster and while in the underwriting they told me I had to do an addendum to my tax return I did it and submitted it on time, but the underwriting department did n't look at it because they were out of compliance with the XXXX days so they close the case and did n't consider the evidence making me loose more money again. I lost over {$1400.00} dollars on this because of the Banks inability to look at a file within their time frame
|
| 03/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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In XX/XX/2022 I financed a mortgage to buy a house. The amount was approximately {$320000.00}. My loan servicer was XXXX XXXX. On XX/XX/XXXX I made a payment of {$160000.00} to pay down the principal. Shorty afterwards, I received a letter that they were selling my mortgage to Fifth Third Bank. On XX/XX/XXXX they removed the payment of {$160000.00} citing it as a " misapplication reversal ''. After they sold the mortgage to Fifth Third Bank, they didn't get that {$160000.00} payment to Fifth Third Bank until XX/XX/XXXX. Because of this, when I made my house payment on XX/XX/XXXX, the amount of interest I was charged was based off of a principal of approximately {$320000.00} rather than the approximately {$150000.00} it should have been. Because of this, I am estimating that I lost {$1000.00} in excess interest charges that I should not have had to pay. I've got screenshots from both loan servicers to illustrate my situation.
|
| 07/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I recently got a disturbing email from FIFTH THIRD BANK as it relates to a now closed auto account. The email stated that i changed my mailing address which is false, i didnt change anything at all, been only waiting for title. It seemed as though someone on their staff inputted a previous address from well over a year ago. For what? To ensure i dont get my car title? This is absurd. I paid off my car completely, sent the payout wired funds on XX/XX/XXXX, i was told i'd be mailed my title ( pink slip ) soon thereafter ( 10days after ) It is now XX/XX/XXXX, i just got off the phone with a FIFTH THIRD BANK customer service rep who said she just removed the old address and Reupdated the mailing address to my current which in my online portal was already showing this whole time ...
I am filing this complaint under CFPB so that i can feel secure that i'll receive my title TO MY CURRENT AND ACTUAL ADDRESS, and in a timely manner.
|
| 01/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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I had a Checking and Savings account with Fifth Third Bank. On XX/XX/16 I had a balance of {$3900.00} in my checking and {$500.00} in my savings. On XX/XX/16 someone somehow had gotten control over my account they deposited fraudulent checks for {$1900.00} then withdrew everything out of the account my {$3900.00} included. This bank now tells me that I owe {$5700.00} from my checking and {$1400.00} from my savings. There was never any credit given to me for the money that was stolen. I've asked the bank several times in writing to show me proof!!. What hurts the most is that they are saying I owe what was taken from me. The told me oh the account is closed its charged off so we really don't care about it anymore we sold that account. {$4500.00} may not seem like a lot to this big bank but that was my kids trip to XXXX that summer!! Do not bank with Fifth Third they have absolutely NO Fraud or Identity Theft Protection!!!!!!!
|
| 12/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Hello, my name is XXXX XXXX. Today I would like to write a complain to this bank company about my problem. My debit card somehow got stolen and used to purchased at this gas XXXX station for multiples transactions that I am not recognized. I called and disputed all of them with the 5/3 bank, then couple of days later I received a letter that they responded to my case with a DENIED status. Then I called and asked about it, the bank told me and gave XXXX reasons are : First, some transactions are in between that are not reporting as fraud at the time the dispute transactions occur. Second, the debit card was used pin to purchased. Third, Not call in and report it right away.
I do not know what to do and how to resolve this matter. Please help. Thank you.
XXXX XXXX in the amount of : {$520.00}, {$200.00}, {$100.00} -XXXX XXXXXXXX in the amount of : {$860.00}, {$610.00} XXXX XXXX, 2022 in the amount of : {$61.00}, {$570.00}
|
| 03/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Deceptive balance availability. They pick and choose which transactions to include in your viewable balance. Charged {$350.00} in overdraft fees on XX/XX/XXXX after I made sure to check my balance via app and at the ATM. Customer service proceeded to tell me that their ATM 's do no give accurate balance updates but would not address the app issue. Would only waive {$74.00}. Noticed on XX/XX/XXXX after I made two transactions to XXXX that my balance reflected BOTH transactions, but then on XX/XX/XXXX when I looked at my balance on my phone my balance was missing the second transaction, therefore showing at {$98.00} dollars more. Fifth third is deceptive with how they report your balance on a daily basis, they withhold and retroact transactions to get more money via overdraft fees and when you utilize their once a year refund they will only give you partial back. Will no longer be using 5/3rd as my personal checking provider.
|
| 04/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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|
I am a practicing, licensed RN and a full time faculty member at a private university in Indiana who has taken care of COVID patients throughout the entire pandemic and who has taught students how to take care of patients and become nurses.
I applied for a loan from 5th 3rd bank in XX/XX/2020 and as of today, we have still been unable to close. I have submitted every single document they have requested ( verifying my income and bank statements 3 separate times, because they expire after 60 days ).
The manager I have dealt with XXXX XXXX has missed scheduled meetings with me and has refused to give me the name of her direct supervisor more than once. I have emails confirming this.
I have endured new onset of chest pain related to the stress of this entire process. I have done everything they have asked and have been as patient as I can be but I am now at my wits end. This is not right.
Please investigate this matter.
|
| 08/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I started the process of applying for a loan refinance in XXXX with Fifth Third Bank. I worked with XXXX XXXX NMLS # XXXX and XXXX XXXX NMLS XXXX. They both validated that all information that was needed had been submitted by XX/XX/XXXX and that the loan would be moved to underwriting and would close in early XXXX at the latest. I have reached out in writing multiple times and left multiple emails for them to give me an update. The only reply I have gotten is that there is no update to give. It has now been over XXXX months for this process. Today XX/XX/XXXX, I received a call from someone representing Fifth Third bank that they needed my payroll information again because it had been so long. It is unbelievable that they have taken so long that my documentation is no longer in date. I feel that it has been well over the allotted time to process this loan and I would not like for anyone else to go through this experience.
|
| 08/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
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|
I attempted to close my checking account back in 2016, around XX/XX/XXXX I contacted the bank through the online banking and was notified that I would need to contact my local branch. I contacted my local branch and was notified that I would either need to go in person or send a written letter requesting the close. I opted for the latter. I recently discovered that they either never received my letter or never processed the request. As a result, my account remained open. Moreover, my account has been moved to " dormant '' status and I have been assessed monthly fees, with more about to come. I again contacted the bank to close the account. This time, they notified me that since my account is in " dormant '' status, I would again need to visit in person or send a letter. As I have already attempted the latter, can not do the former, and with the clock ticking before the next monthly fine comes, I seem to be out of options.
|
| 01/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been having trouble with Fifth - Third for the past three years. At XXXX point, they were fraudulently trying to foreclose and only through contacting EVER BOARD MEMBER we could locate through email did we finally get help. We have asked for loan help only to have our payment lowered XXXX a month, and we were told we no longer receive monthly statements, and after several requests for an amortization and payment booklet or SOMETHING showing our details, we have n't received anything. We were also given a direct address to send payments to only to have them sent back 2-3 weeks later saying they did n't know how to apply the money?? In the meantime, they 're saying we are in default. This is the SAME EXACT THING they did to us less than two years ago. How do we stop this and get the information from them that we need? We also have yet to receive our paperwork for our taxes this year. Thank you for your time and help!
|
| 01/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Transaction of XXXX USD at the ( See attachment for name of hotel ) Hotel on XX/XX/2021.
- XXXX admits that this is an overcharge due to a system failure -XX/XX/XXXX informed the dispute must be filed by bank so that it may appear in their system and they can accept it.
- XXXX mentions that up to now, no such dispute arrived.
- I filed a dispute many months ago with XXXX Bank, they returned a false statement of their investigation " there was no error '', which contradicts both my attached evidence and what the hotel is specifically saying. Clearly no effort was made here to contact hotel and validate money they would refund me.
- My understanding is that there are hundreds of alike issues with XXXX Bank with no resolution.
- It has now been 5 months and i still do not have my money, no easy way to resolve it, and a ongoing circle of people differing me to others.
( Please reference attached document for details )
|
| 01/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/2019 we received an alert from a credit reporting app called XXXX XXXX that our mortgage company, Fifth Third Bank had deported our mortgage as being late. We have had our month for 29 months and have never missed a payment. We immediately stopped in a branch to speak with a representative. After sitting down for 30 minutes with a representative who had to call the corporate office we were told we would hear back from someone.
In late XX/XX/2019 we received a letter from Fifth Thrid dated XX/XX/2019 stating they apologize for the error of a late or missing payment and claimed they would fix the error on our credit reports. My score dropped over 80pts as a result of the error and my husband 's score dropped over 50pts. We have still yet to see the error fixed on our reports and we have been waiting now over 60 days. We have been eager to refinance our mortgage but are unable to because of how low our scores are.
|
| 05/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I had an auto loan through Fifth Third bank and was sent payment booklets. The final payment from the booklets was paid, thinking that my car was paid off and I could obtain my title. When doing so, the bank teller then informed me that there was an additional $ 500+ owed before it was completely paid off ; she could not indicate what exactly the extra money was owed for. I called the customer service center and they could n't provide any information as to why I was being billed more than what the payment booklets indicated. I have an issue because there was never any letterletter, notice anything that indicated that the payment booklets would not complete the payments for the car. There were no late payments, missed payments or anything of that nature ; I actually paid ahead at a point in time and was ahead of schedule. This is a major issue because had I known this I could have sought refinancing through other lenders
|
| 05/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
5/3rd Bank XX/XX/2022 : I was successful in using XXXX to pay the monthly Mortgage payment XX/XX/2022 : A rogue payment was made to my mortgage not by me but from someone in the company. It was a successful payment as the money for my mortgage payment was in that account.
XX/XX/2022 : XXXX attempted to charge me for a second payment and was declined. I was charged a {$37.00} fee for overdraft/return item fee. I had {$550.00} deposited into the account as usual from my paycheck. I call the customer service to dispute the rogue transfer and they told me it will be solved, autobillpayer has been fixed and to call back when it is no longer pending.
XX/XX/2022 : XXXX " successfully '' took my mortgage payment leaving me- {$320.00} in my account when I need to pay bills. I called Customer service and they told me the second payment would not be reversed, and neither would the original {$37.00} Item return/ Overdraft fee.
|
| 12/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
On XX/XX/2021 I received a text message from XXXX ( i later learned this was a spoofed number from the XXXX XXXX app ) asking if a authorized a XXXX transfer to a XXXX XXXX. I texted back no and immediately received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX phone number ) from someone claiming to be part of their fraud protection department. They told me in order to lock the person who had my info oit of my account I needed to XXXX myself the money in my account. They talked me step by step into enrolling into a XXXX account ( using their bank info ) with my email address and had me XXXX the money in my checking account to myself by entering my email into the recipient line.. the recipient was actually linked to their bank info. Once the transaction was complete they hung up. I never was able to recover my money because my bank said I needed to contact XXXX and XXXX said I willingly sent this money.
|
| 09/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I noticed two {$3.00} fees attached to interbank transfers I made. I have transferred funds between these two accounts many times in the past and have never been assessed a fee. When I brought this to the attention of an online rep, I was put on hold for over 10 minutes and then told that she could not help me. I asked for a supervisor to contact me. She asked for my phone number, which I gave her. No one ever called. So, to summarize, I was charged {$6.00} in bogus fees and no one at customer service could reverse them even though the rep admitted that were not appropriate charges. I got stuck on hold for a long time, told I couldn't be helped. It was suggested to me that I go to a branch. I suggested that a supervisor call me which I was promised. No one called. Looking at the amount of complaints from consumers against 5th 3rd, someone ought to step in and give these crooks some negative consequences. It's shameful.
|
| 12/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
Servicemember |
|
On XXXX XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX. They facilitated a loan from Fifth Third Bank for XXXX dollars.
Since then I don't know my loan amount number, I've not been sent a contract or any paper work. I've seen nothing, I don't even know the balance on the account.
It is mpossible to contact Fifth Third bank. I have called, emailed and written ; they do not respond. In the last week alone I've called everyday and spent at least thirty minutes on hold each day. Calling multiple numbers and branches and no one picks up.
The only time contact is made is when they call to collect a past due balance plus late fees. Late fees the bank causes because it's been impossible to make on time payments due to their refusal to communicate. When they call they never leave voice mails, so I have to hope I don't miss the call.
The attached pictures are the only information I have of the loan.
|
| 03/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Fifth third bank has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from 2012. The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at fifth third bank also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with fifth third bank which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from fifth third bank, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.
|
| 11/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a business checking account at Fifth Third Bank on XXXX/XXXX/16 with bonus offer that was supposed to give me {$400.00} for depositing and keeping {$5000.00} balance during first 60 days and making XXXX debit transactions. I have completed these requirements, but have not received any bonus. I contacted my local branch and they confirmed that I have met bonus requirements, but have not received the bonus due to glitch in their system. They said they would escalate this issue to the regional manager and it should be resolved. However it has been more than a month since then and no bonus is issued. I tried to contact my local branch many times, each time they said that either " somebody is on vacation '' or " somebody is too busy '' and promised to resolve soon. Now they do n't even return my phone calls. It looks like they are not willing to issue this bonus to me, at least nobody seems to be working on this.
|
| 03/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I attempted to withdraw money from my 5/3 Bank account at a XXXX ATM on XXXX XX/XX/XXXX. The ATM whirred, etc. like normal but the door did not open, I did not get my money and it did not provide a transaction receipt. ( This was not the only time this has happened to me. ) I called my local 5/3 branch and was told to contact the dispute resolution dept. I did this, repeatedly, and it has been denied each time.
During my XX/XX/XXXX call, " XXXX, '' a dispute center supervisor, told me I can NOT have any of the information used in this decision, including the ATM 's video of my transaction ( obviously showing my angry face after I did not receive my money ). I told her the letter they sent states I can request copies of the documents used in this decision. She told me it is a " form letter '' and may not be correct.
The correspondence and notes related to this are in the attached pdf file.
Thank you.
XXXX XXXX
|
| 10/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
The 5th 3rd Bank placed a hold on a check deposited from a XXXX Account which cleared the next day. They place a XXXX hold on the check, claiming that it takes 9 days for the Federal Reserve to instruct them if funds have cleared. When I indicated that the Federal Reserve clears funds every night at midnight - they then changed the story to the FDIC - when I explained the FDIC doesn't hold funds - they refused to further answer any questions regarding the funds and indicated I would have to wait until they decided to withdraw a hold.
I asked that since they finally admitted that the hold was by Fifth Third Bank and neither government agencies- the lady said she can not pull a hold - in fact, Fifth Third gives full authority for a supervisor or Branch Manager to pull holds.
At this time, the funds are misappropriated and misplaced illegally by Fifth Third Bank and they can not identify where the funds are now held.
|
| 03/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fifth Third Bank purchased my mortgage for a Florida condominium in XXXX of XXXX and started servicing my mortgage that month. In XXXX of XXXX, Fifth Third Bank unilaterally began deducting a monthly escrow amount of {$890.00} from my checking account to cover flood insurance. We already have coverage for flood insurance and have provided proof of this to Fifth Third Bank and over the past several months dating back to XXXX discussed this with multiple customer service representatives at Fifth Third Bank. They have acknowledged receipt of the insurance policy and verbally committed to return seven months of escrow payments that have been arbitrarily and capriciously deducted from my account. Instead of returning such escrow money, they simply continue to deduct it from my account.
I want them to stop wrongfully deducting {$890.00} from my checking account on a monthly basis and return the {$6200.00} with interest.
|
| 10/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I submitted a payment for a normal installment of my loan after the grace period but within 30 days. I was under the assumption that I had made the payment, albeit late, but within the 30 day time after which I would be reported to credit bureaus for a late payment. I assume there was a bookkeeping/technical malfunction, as the payment did not process. I am worried that I will stand to have my credit severely affected by this. I have never had a +30 day late payment on any of my accounts before and want to have this one forgiven/forgotten if possible.
I want to do everything I can to avoid that late payment and the chances that it may occur again. I have registered in auto-pay with the loaner going forward and called the company to 1 ) pay both payments for the account XXXX and XXXX payments for 2020 ) and 2 ) see if this instance would be reported The representative from Fifth Third Bank referred me to the FTC.
|
| 04/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I had a XXXX credit card through Fifth Third bank. Fifth Third bank was notified of my new address since XXXX of XXXX. Despite multiple requests, Fifth Third continued to send statements to a prior address. Sometime in XXXX, payment on the XXXX fell behind, unnoticed in part because Fifth Third continued to mail statements to the wrong address. Subsequently, Fifth Third reported a failure to pay to all credit agencies, dramatically lowering my credit score. Despite this negative reporting, Fifth Third failed to send me any notice of the same as required by 15 USC 1681s-2 ( a ) ( 7 ).
With no notice of this negative report and statements not being sent to me, the problem went unnoticed for a period of five months, was subsequently discovered on a credit report, and the balance was paid in full. Fifth Third, now refuses to remedy this reporting problem and their violation of the Fair Debt Collection Practices Act.
|
| 10/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
Fifth Third owns my mortgage on my primary house. The house had a fire, which was covered by my insurance. The insurance company XXXX XXXX XXXX has approved ~ {$80000.00} in damages and has sent me a {$43000.00} check in XXXX ( 5 MONTHS AGO ). I have met with Fifth Third in-person many separate times and have had XXXX phone calls. I have uploaded countless documents into their portal ; however, every time I speak to someone the requirements change.
It has been XXXX and a half months, multiple calls & meetings & I can not get bank to co-sign insurance check. My contractor is ~ 80 % complete & hasn't been paid a dime.
To get the final XXXX of my initial claim check, they insist upon an inspection. I finally set up an inspection appointment & the Fifth Third Representative was a No-Call No-Show. I took a vacation day for this meeting! I called Fifth Third and they had no way to contact this " inspector '' XXXX
|
| 03/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Good Morning.
The issue was with Fifth Third Bank. I had a balance for {$4.00} and did not pay for two consecutive months. They reported me to the Credit Bureau what affected my score considerably.
I called customer service because even when I'm not enrolled on paperless statements, I never received an Statement over the mail. I was wondering I had the autopayment choice saved with them. Online they have a tab with Alerts and Messages. Both inbox are empty. I never received an email or notification about these late payments. Usually banks call their customers when this happens. I never received a courtesy call from them. I asked why I never received any notification and the responses were ridiculous. I was reading the reviews of this bank online and they use to abuse with customers and this case is similar to many others.
I really would like this bank to stop abusing customers, this is not the way Bank acts.
|
| 10/31/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage payments were stolen for the months of XXXX back in XXXX from the USPS, I mailed them out and they never reached my mortgage company. Theres an active investigation, my money is in the process of being returned. In XXXX I applied for the HAF program and was approved on XX/XX/2022. HAF has agreed to cover 6 months of payments. XXXX, XXXX, and XXXX for back payments and three months forward. I have been calling my mortgage company keeping them informed about payments. I have even emailed them copies of the approval from the HAF program. I was told today that they can still proceed with the foreclosure process. They have not placed any flags in my account about the HAF program. My mortgage company is expected to start receiving the back payments on or around XXXX XXXX. I am concerned because theres no one I can speak with to clarify and notify that those back payments are going to be made through HAF.
|
| 03/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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I took out a new home mortgage with XXXX out of Connecticut on a home I own In XXXX 18 months ago. I was soon thereafter sold to a second company, XXXX out of XXXX, North Carolina. 3 months ago XXXX sold the loan to Fifth Third bank out of XXXX. I attempted to refinance the loan with Fifth Third but they tell me they aren't able to do that because they are not licensed in Connecticut. For me to do that, I will have to find a different company in Connecticut. This will entail significant time and expense to me.
My complaint is the buying or selling to an unlicensed company that is not able to fully service the loan adding to my expenses. I have tried contacting the loan department at Fifth Third but get only an apology, no resolution. Perhaps the commplaint is against all 3 companies. Advice?
Thank you, XXXX XXXX property address XXXX XXXX XXXXXXXX, CT XXXX my residential address XXXX XXXX XXXX, XXXX, Montana
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| 10/05/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I rece
ived two unauthorized charges on my checking account, I tried to have them stopped and reversed. Each time I talked to the bank they gave me a different reason why they could not stop the transaction or revise the charges. I chose not to continue my phone service with XXXX XXXX ( XXXX XXXX XXXX ). I started service with another cell phone provider ( XXXX ). On the same day, I started the new service XXXX XXXX XXXX charged my account for coming month. I contacted XXXX XXXX XXXX. The phone representative told me we do not make refunds under any circumstances. I immediately contacted 5th 3ed Bank to request the transaction be stopped. 5th 3ed Bank told me they could not stop the transaction because it had not posted.
Four days later contacted 5th 3ed Bank after the XXXX XXXX XXXX charges were deducted from my account. I was told that they could not reverse the charge because the charge was not processed.
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| 10/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My Mortgage loan was sold to FIFTH THIRD BANK from XXXX my first payment with XXXX was XXXX XX/XX/2022 I tried to open an online account with XXXX however their system would not let me I was ask questions before it would let open it like do you have your loan documents and how much was in your escrow account are how much the original loan amount was etc. I answered the questions and was locked out and told to call XXXX when I called i was given a number and transferred to an automated system and I entered the number and was told it was invalid I called backed and was told by a rep name XXXX she could not get a supervisor to help me had to make an alternative payment and still do not have an online account it should be this hard to open an account and I worry they may try and take my home after what loan servicers have done in the past getting bonus es to take people 's homes and lying about loam document etc.
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| 08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have mortgage account with 53rd bank ( Litigation department : XXXX XXXX XXXX ). In XXXX, XXXX I have requested forbearance program due to COVID-19. Soon I have recovered and financials and requested the cancellation of forbearance program in XXXX. Ans I have paid two payments on XXXX and I am current since then. Recently I am applying another mortgage and I have asked 53rd bank to issue the completion letter several times by calling in from XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. They do not know even they have sent out the letter or not. Some agent in the bank said they have sent out. Also my new mortgage broker told me that 53rd bank did not report to Credit Bureau to remove the forbearance record which shows still my payment is " XXXX ''. The time is of essence because I have a deadline for new mortgage commitment date.
I am in danger to loose my new mortgage loan opportunity if they take a action quickly.
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| 11/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
Servicemember |
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On XXXX XXXX, my Fifth Third Essential Checking, without my authorization, initiated a transfer of {$1500.00} from my XXXX personal checking account -- I do not have enough money to cover bills coming on that were to be paid with the money Fifth Third is taking from me.
XXXX XXXX has warned me overdraft fees and unpaid fees will be assessed for every bill that comes looking for money and doesn't get it.
-- Right now there are dozen different companies I owe money to who, through electronic transfer from the XXXX account, is trying to collect their due. This means the fees will rack up into several XXXX XXXX that I can not afford to pay.
-- I did not authorize this. I can prove I did not authorize it. Search my history on all my devices- my desktop, my smartphone, my laptop. I didn't do this. Someone is essentially stealing my money.
-- Fifth Third and XXXX tell me there is nothing they can do to stop it.
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| 02/20/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/19 deposited paycheck in the amount of {$2600.00} into checking account. This is the same deposit that is made twice monthly. Same amount, same account. There have been no issues for the past year with deposited paychecks. Bank now refuses to make funds available until XX/XX/19, which has compromised our jobs, due to childcare not getting paid, compromised our mortgage payment, and now we can not pay our electric which is due by XX/XX/19, before being shut off. We have attempted to contact the bank and were told by both our local location and the customer service line, that they were going to hold our paycheck for 10 days due to our account being negative before. Our account has {$.00} in it with no outstanding balances or purchases. This holding of our paycheck is in no way useful to the bank, other than keeping us from paying our bills and as a form of punishment.This is through Fifth Thirds Bank.
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| 10/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was accepted into the Florida homeowner assistance program back in XXXX. Supposedly the state of Florida sent out my first mortgage check on sept. XXXX to XXXX bank. XXXX bank claims they have never received anything but the state of Florida insist that the bank is holding up the check because they sent it to the correct address. Neither the state or XXXX bank are being helpful in tracking down these federal funds that were allocated to help homeowners like me. I have called the state and XXXX times and the state of Florida swears they have sent a check on XXXX and XXXX on XXXX to a XXXX XXXX XXXX XXXX, Ohio. XXXX bank has no way to check if they have received them or they arent accepting them, they dont care to help me and only want the payment made, they dont care to help track down mail with payments that has been sent to them. XXXX probably threw it out. I have no way to hold either party accountable.
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| 03/18/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I WAS APPROVE FOR XXXX LOAN FOR XXXX XXXX XXXX XXXX XXXX WHERE I HAD TO SIGN XXXX TO PROVE MY INCOME WHERE I WAS APROVE FOR XXXX. I HAVE A BUSINESS AND BILL NEED TO BE PAID SO I WAS PAYING MY BILLS AND MY ACCOUNT WAS FROZE. I CALL FIFTH THIRD BANK WHO I BANK AND ASK WHAT GOING ON I WAS TOLD TO BRING TAX DOCUMENT TO PROVE XXXX XXXX XXXX SO I DID ONCE I TALK TO XXXX XXXX I WAS TOLD I NEED TO FILL OUT ANOTHER XXXX WITH FIFTH THIRD BANK TO PROVE MY TAXES AND THEY ALSO ASK TO PULL MY MY REGULAR XXXX TAXES. I NEVER HEARD OF THIS CAN THEY DO THIS BUT I ALSO TALK TO XXXX XXXX WHERE HE SO UNPROFESSIONAL AND ASKING ME ALL MY PERSONAL BUSINESS ABOUT MY OTHER BUSSINESS WHERE HE HAD TO LOOK IN MY PUBLIC RECORDS. XXXX XXXX WAS VERY RUDE AND XXXX AND I EVEN HAVE HIS CELL PHONE NUMBER THIS IS BUSINESS AND EVERYTHING SHOULD HAVE BEEN RECORDED. DO FIFTH THIRD BANK RED FLAG ALL XXXX LOAN AND FREEZE THERE ACOUNT THIS NOT FAIR.
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| 11/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I opened a secure credit card with the annual fee of {$24.00} to work on my credit and was told to come in and check before the renewal fee to see if I could get a non secure card. After making monthly on time payments I was unable to qualify so I asked about the annual fee to be charge next month and the representative named XXXX in the XXXX Oh XXXX XXXX branch told me to return after it was applied because she couldn't waive it until it was applied. Today approximately 1 month later XX/XX/2022 I called Fifth Third to follow up about this as I was submitting this only to be hung up on. Furthermore when I went into the XXXX branch XXXX told me in a follow up call that XXXX had said she thought it was about a charge I made! To sum up beware of the promises your local branches make... I have XXXX accounts with Fifth Third and I'm more than disappointed in there practices/professionalism.
BEWARE FIFTH THIRD
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| 10/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My Mortgage has been transferred to the fifth third bank from other Mortgage lender that the builder had sold my loan to. Fifth third bank has been harassing me to buy an expensive liability insurance since the HOA did not renew the liability insurance. I have been calling the HOA to get this rectified and they purchased this with the start date about 2 months later than the expired date. The bank checked this and again this time added an additional {$800.00} as protection insurance on my escrow for the whole community. This has not happened to many other people who have similar loan from the bank. Bank should have directly interacted with the HOA instead of harassing me for the liability insurance which lapsed. Also it is unfair to add an additional XXXX to me when I followed up with HOA to buy the insurance and moreover there are many other homes in the community with the mortgage from the same Bank.
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| 12/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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This has been an ongoing issue since XX/XX/2022 I have filed over XXXX disputes I have lost over {$25000.00}. Ive tried to tell this bank that I had identity theft and somebody was going into my account using debit cards etc I spoke with XXXX XXXX XXXX who got back about {$6000.00} of my money I recently received a letter from fifth third bank, stating that an employee of theirs misuse my information, including my name, address, phone number, Social Security number, and account for their own purpose, and to be alert, and to watch out for any unauthorized activity on my statements from XXXX to 24 months etc. Ive tried to file a claim under there I identity theft insurance just to keep getting directed to XXXX. This is not Experian issue. This is the banks issue. What do you do when you keep complaining and keep filing disputes and keep talking to people and nothing gets done. Justice Has to be served.
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| 11/04/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2023, I received a refund check ( emergency disbursement ) from the XXXX Bankruptcy XXXX. Prior to making a deposit into my checking account ( open and active since XX/XX/2023 ), I contacted 5/3 Banks customer support to gauge fund availability and best practices moving forward. They stated, that to have my funds available the morning of XX/XX/2023, consider and complete a mobile deposit for this transaction. Since this is text-based support, I have a screenshot of this conversation. I completed the transaction, but prior to confirming, I asked the service rep about a discrepancy with my deposit ( app stated funds would be available XXXX ). She stated that XXXX considers those Mondays a weekend.
My money is not available as of this morning and new representatives I spoke to, state that my funds would not be available until XX/XX/2023.
This is an incredibly misleading and abusive process.
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| 01/24/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I sent XXXX a copy of a letter that was sent to me by XXXX XXXX dated XX/XX/XXXX of XXXX showing that the obligation had been paid off as of XX/XX/XXXX I also submitted documentation to fifth third bank regarding this obligation being cared for through the insurance because the vehicle was totaled there was also gap coverage from the original creditor XXXX to cover the debt fifth third has me in XXXX saying that the account was overdrawn the account was not overdrawn fifth third did not pay out anything and continues to have me in XXXX for XXXX years and the matter has been resolved XXXX will not remove the accusations because fifth third says that it is Valid. Can not reach a representative at fifth third today XX/XX/XXXX have been transferred four times since XXXX XXXX this morning it is now XXXX XXXX and Im requesting assistance to get the matter resolved would like it removed off my credit report
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| 12/18/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I work for the XXXX XXXX XXXX XXXX. I deposited my work check pay date XX/XX/2018 for the amount of XXXX dollars into my checking account.The check was unable to process. I was told that the bank that written the payroll check had insufficient funds. After contacting Fifth Third several times I was unable to get assistance on why the check didnt clear. On top of rude customer service every account specialist that I spoke with gave me different dates on which I MIGHT be able to get my funds. Being that the post office is a federal agency job I should have had faster results. Instead of a date saying it will be processed after the holiday when thats a whole new pay period. They delayed bills from being paid. Fifth third is by far the worst bank I ever dealt with. And I dont suggest them to no one. I will also contact news station to let potential customers know how they treat their customers. Thank you
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| 09/05/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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This company keeps calling me with a recording stating that they need to talk to someone else ( a name I dont know ) and they need to call immediately. I finally call them after being contacted numerous times in 1 day. They then tell me they are calling for me, they provide my first and last name. They then send me to my account manager, who then also tells me my name and ask if my date of birth is xx/xx/xxxx and the last 4 of my social is xxxx. I stated yes, keep in mind she provided me with all this information, never ASKED me to give her my date of birth or last 4 of my social. She then proceeds to tell me they are calling about a debt linked to social security number xxx-xx-xxxx, providing my WHOLE social security number. This is a huge issue and the reason why there is so much identity theft! She could have been speaking to ANYONE as I never gave her any information it was simply provided to me.
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| 07/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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To whom this may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless U have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry.
Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating.
I would appreciate your immediate attention to this matter.Kindly forward me documentation that you have had the inquiry removed.
Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report`.
I thank you in advance for your cooperation and hope to hear from you soon.
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| 02/18/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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Dear CFPB, I am writing you because I am fed up with Fifth Third Bank taking advantage of my funds. Fifth Third Bank has gotten so comfortable with cashing checks through an account before applying the deposit when they come in at the same time. Fifth Third Bank is know for posting the incorrect date of the checks posted towards your account to look as if the checks posted before your deposit. Please know that I speak for my retired mother whom has been take advantage of too. My mom has been with Fifth Third Bank for 30 years and purchase her home through them as well. Due to me presently been laid off work I am just in tears about how they have been taking my money and getting rich unfairly at the sweat of the less fortunate in society. Please, please, investigate Fifth Third Bank and how they are cheating people out of there hard earned money.
I look forward to you helping me, Despondent Customer
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| 03/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Dear CFPB Officer, Fifth Third Bank offered me a XXXX credit card with a 12 billing cycles promotional rate of 0.00 %. I accepted the offer and a balance was transferred on XX/XX/XXXX for a fee of 4.00 % of the amount ( not a subject of dispute ), which appeared on the XX/XX/XXXX to XX/XX/XXXX billing cycle ( which could be interpreted as the first billing cycle. On the XX/XX/XXXX to XX/XX/XXXX billing cycle ( which based on the above-referenced interpretation and the best-case for Fifth Third Bank would be the 12th billing cycle ) I am already being charged interest at a nominal of rate of 1.6229 % ( which if compounded annually is approximately 21.3 %, the statement quotes an Annual Percentage Rate of 19.74 % ). I believe that 12 billing cycle free interest charge means that the 12th cycle is also free of interest charge. I called customer services but they said I'm incorrect on my interpretation
|
| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I have asked numerous of times for my credit report to be corrected. We are in court for foreclosure but Fifth Third Bank is not cooperating with XXXX to prevent foreclosure on my townhome. I am unable to obtain a loan as Fifth Third Bank has put a foreclosure on my credit report. The judge has not ruled in this case. My credit report should not reflect a foreclosure. By the foreclosure being on my credit report I can not purchase inventory for my business. My business is now suffering. This is retaliation for me fighting for my rights. Fifth Third Bank was notified in XX/XX/2022 I was using XXXX to bring my mortgage up to date. In XX/XX/2022 I was served with a summons for foreclosure with fake documents. The note and promissory note I received was not signed off by Fifth Third Bank. This kind of behavior is not in the best interest of the public. How many other cucumbers are going through this?
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| 07/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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Fifth Third Bank XXXX XXXX XXXX XXXX, OH XXXX Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Fifth Third Bank through published and non published process and procedures, has consistently not processed mailed in mortgage and other payments in a timely and professional manner. Recently I have had payments lost even though others mailed same day reached their destinations This is in order to have clients incur late payments fees and penalties which unfairly adds to company profits thereby allowing management to incur increased bonuses.
This unfairly impacts shareholders as well.
This client has dealt with this since Fifth Third took over my loan processing.
There may be many others, perhaps thousands impacted by these processes.
I request CFPB to investigate to see if this practice is an embedded company trait designed to reap unfair fees and fines.
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| 04/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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After missing one payment in XX/XX/XXXX, and making two payments on XX/XX/XXXX, in the amount of {$290.00}, the second payment was NOT counted as a payment. Late fees accumulated.
My subsequent payment on XX/XX/XXXX was ALSO not counted as a payment, and I have been assessed late fees even though it was made at a time when the account was not in arrears. 53 Bank is refusing to handle this or apply my payments correctly. Their online system does not give a user the ability to designate payments, does not notify users how it designates payments, and there are no statements or alerts whatsoever. This product is clearly designed to chisel people with late fees and is predicated on dishonesty. I want everyone to know that 53 Bank is terrible regarding the basics like accepting payments. All you have to do is miss one payment, and then they have you.
Vile, filthy and disgusting people at 53 Bank.
|
| 09/25/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Company closed your account
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|
Web |
Older American |
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In XXXX I took out a {$100.00} 30 day CD at 9.5 % interest automatically renewable at current CD rate unless bank notified me otherwise. The bank was XXXX XXXX. They were bought by Fifth Third in XXXX. I felt that would be no issue as my mortgage, boat and car loans and checking and banking were with them. I was well known in the community as having serve at both the XXXX and XXXX level. I just let the Cd ride tell retirement. They now tell me on presentation they do n't have any record of it and denied honoring it and I should have gotten a letter. Trust me I 'm meticulous in keeping records. So I asked for the letter. They had nothing given that money doubles every 7-10 years I figure it 's worth near {$500.00}. I 'm sure it would hardly break their bottom line. I had check unclaimed funds in the mid XXXX for our last name as my mother had XXXX. Did n't see anything under mine. Can you help
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| 10/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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My mortgage recently was sold to Fifth Third Bank from a different lender. Fifth Third Bank has almost no customer service to speak of. Their website won't let me create an account, when I call into customer service to resolve it is 30-60 minute wait time with no solutions from the representatives. No online chat help. Oh plus they already failed to fund my home insurance via escrow in the first month. Homeowners insurance policy was canceled. My mortgage, my home, should not be sold off to such a unresponsible company. Their horrible customer service is a built-in feature, not a bug, used to discourage customers from resolving issues. Unresolved customer issues eventually result in fines and fees being weighted on the customer.
This is the 3rd time my mortgage has transferred lenders in 12 months. The other two banks were a breeze to work with, XXXX has been horrerdous. STAY AWAY FROM XXXX.
|
| 09/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
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5/3 stole {$1000.00} from me and has been lying to me and XXXX XXXX XXXX ALL YEAR When you see attached pictures of my online chats with 5/3 you will see I HAVE HAD SEVERAL ISSUES with this card spanning since last XXXX. Plus check my 1-2 other 5/3 CFPB complaints. JUST NON STOP NEGLIGENCE In the pictures you will see that this company lied to me and promised me that all future payments be canceled, yet they were not. NOW Ive been spending the last 3 hours talking to the Credit dept., then checking dept, then internet services dept. and now Credit again! The credit dept said the money came out of your checking so theyre the only ones that can reverse this payment, then checking said same about internet services and now internet services is pawning me off back onto the credit dept AND NO ONE WILL GIVE ME MY MONEY BACK!
As soon as I can get away from the monsters and close all accounts I will
|
| 07/16/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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In error, I submitted a payment to XXXX XXXX through my bank, Fifth Third. I contacted XXXX XXXX less than 30 mins after the payment was made. XXXX XXXX was unable to stop the payment as it had not posted, they suggested I contact my bank. I reached out to Fifth Third who said they were unable to stop the payment. This has an internal case number of XXXX. After escalating this to a supervisor, they finally offered to put a stop payment in place for a fee of {$33.00} with no guarantee that the payment would be stopped. This was only less than an hour after I had input the payment. It is inconceivable that a bank as large as this is unable to assist with what is a simple request given the very short time from notification of my error. If my account becomes overdrawn, I am responsible for any overdrafts that might occur even with my request to stop only 1 hour after the payment request was input.
|
| 06/05/2017 |
Yes |
|
- Trouble during payment process
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Web |
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Every time I have made a principle payment on my loan the money goes into a suspense account. I am trying to get my loan to work I am making frequent payments every fifteen days to reduce the principle on my loan and the amount of days I am being charged interest. The process that fifth third bank follows is not working. When I made a payment on XXXX XXXX , 2017 the XXXX dollars is just sitting in a suspense account. There online option allows you to make additional payments yet even when I walk in the bank and say hey this check is for my mortgage principle they continue to let the money sit there. It is to their benefit because I continue to accumulate interest and not decrease my balance due to improper processing of funds. IF I am making a principle payment that should not be up for debate or review. It is a delay in the decrease of my loan balance and interest I am being charged.
|
| 10/18/2023 |
Yes |
- Prepaid card
- General-purpose prepaid card
|
- Trouble using the card
- Trouble using the card to spend money in a store or online
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|
Web |
Older American |
|
XXXX, to refund {$6.00}, sent me a XXXX issued by Fifth Third Bank, N.A.
To activate it online took almost XXXX minutes. I can not use it when I purchase over {$6.00}. If I use it for a purchase lower than {$6.00}, then the balance carries over to use it for even a lesser amount for the next purchase. These restrictions are designed so that customers like me will end up not using the card. They also charge a monthly fee {$3.00} and replacement fee of {$25.00}.
Using the credit or debit card method to refund the balance results in people not claiming it adding to the enormous profits ( unclaimed cards ) of the company issuing it. I will be stuck with monthly fee as well.
Consumers must not go through such hassels to claim their refunds. This is a deceptive practice and CFPB must stop it. Please instruct the companies to issue refund checks instead of sending refund credit or debit cards.
|
| 03/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
A deferment was not honored, even though I paid the money I was told by their person.
Plus they have locked me out of my online account so I can not make a payment, go paperless since I am not getting mail the allege they have sent.
They claim something called a cease a desist was placed on my account, which I did not do so they claim they can not correspond through my email.
I will not allow phone conversations since their people are not well trained and do not do what they say because they do not seem to know, ignorance is no excuse to XXXX me as they have, intentionally or otherwise.
I have been trying to resolve with them since XXXX and they are not workable... .they hang up on me, they transfer me to the wrong departments and they do not honor their word.
I do not want to involve an attorney, but if this is not corrected and resolved properly through this method this time I will.
|
| 01/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
5th Third Bank Allowed a credit card to be opened in my name and my wifes name using our old information after he move.
Their fraud department caught hers and close her account down They did not catch mine the credit card went out and someone charge {$10000.00} on the credit card under my name I have been trying to resolve this with the bank and they will not do anything they are claiming that it is a valid account.
After eight months of no payments or no contact on this account I had some mail forwarded to me after I reinstalled my forwarding from my old address and got a statement from them showing the card I called them at this time and provided them with my contact information cell phone email address and address Now theyre telling me because they have my contact information it was a valid account when it was initially set up.
They close my wifes due to fraud and will not close mine
|
| 10/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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I was paying off my credit card with XXXX Bank. I called XXXX for my account number because I was paying it off with my online XXXX with XXXX XXXX and XXXX. I sent them XXXX to pay my card off on XXXX/XXXX/XXXX and it went to XXXX on XXXX/XXXX/XXXX. I started getting phone calls about being past due. Now they 're telling me that the account number that THEY gave me was for a paid off loan and they have no idea where my XXXX went. XXXX XXXX has given XXXX the Credit Trace number, the File Trace number and the date that they received my XXXX} and XXXX keeps telling me that they lost the XXXX} and that I have to file a dispute with XXXX XXXX. I do n't have a dispute with XXXX XXXX, I have a dispute with XXXX Bank. An employee of XXXX is now telling me that I owe hundreds of dollars in late fees and that it 's not their fault that they gave me the wrong account number when I called back in XXXX.
|
| 06/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I was charged a {$50.00} overdraft fee in XXXX of my checking accounts by Fifth Third. I feel that {$50.00} is an egregious amount. Furthermore, I have XXXX other checking account, a savings account, and an equity line of credit that all could have been used to cover the funds. I just do n't understand why they ca n't take the funds from other accounts that have thousands of dollars in them. Yes, I did accidentally write check and forget to do an internal transfer from savings to checking but I feel like there should be an automatic linking of accounts. According to the paperwork when I received the debit cards for the checking account the accounts are linked to my savings. I may have misunderstood the linking of accounts but {$50.00} is ridiculous especially when I have plenty of money sitting in other accounts to cover the check that was written. I also have XXXX mortgages with Fifth Third.
|
| 12/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I Deposited my XXXX bonus of an amount of XXXX to the bank personally on XXXX at XXXX. the Next day I found my account flagged for Fraud they put my account at XXXX so I couldn't use my current funds my Own money from my direct deposit from my current employer. I called the fraud department XXXX XXXX said i had to take physical evidence that the check was not fake I took them the deposit slip and my pay check stub which has my last four of my social security and how much the check was and check number. XXXX XXXX contacted 5/3 and verified that my check went through no problem. then called again today XXXX at XXXX was told my account is still flagged for fraud. I cant pay my bills this bonus was a life line for me I'm 1 month behind rent and cant access MY money to pay my bills. was told i would be contacted by a supervisor its XXXX now and not a single call back and no changes to my account.
|
| 01/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem getting a card or closing an account
- Don't want a card provided by your employer or the government
|
|
Web |
Servicemember |
|
I have an account unknown to me with XXXX which seems to be a prepaid money card.
First I received a email from them telling me congrats on opening an account with them.
I meant to contact them at that time.
Also there was another email of the same, except for it had some other person 's name in it sent to me.
So I do not know what is going on with that!
Then I just received in the mail a XXXX pay card - which the card is missing from the envelop.
So I tried calling their listed number XXXX But without that card I don't have the card number it asks for, in order to go any further in their automated system.
I do not want to enter my social security number it requests to do so - I do not know this company.
And everything seems so fraudulent already.
So I need two things please : Any and all accounts with XXXX closed.
Explanation of how these accounts are being opened.
Thank you
|
| 06/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
The Fifth Third mobile banking app does not always show customers an accurate amount of available funds in their accounts after purchases and this causes customers to overdraft their accounts when they make more purchases or transfer funds between their accounts.
I made an online purchase using one of my checking accounts and then transferred the remaining funds in that account to my credit card account but my checking account became overdrafted because the Fifth Third mobile banking app did not show me an accurate amount of funds available after my purchase.
The Fifth Third mobile banking app is absolutely terrible and every other day or two customers are unable to login because of technical issues. Fifth Third bank needs to be ordered to shut down their mobile banking app completely and give customers back the money they was unfairly charged in overdraft fees because of banking errors.
|
| 07/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/2018, I used ATM machine at XXXX XXXX XXXX, my debit card is from XXXX, the ATM machine is from Fith Third Bank.
When I withdraw cash, I was given the message that there would be charge for transaction fee, I accepted and continued the transaction of withdrawing.
However I checked my bank of account next day, I found 4 unrecognized fees, it said " BAL INQ 1 TERMINAL DRIVE FEE ''. Every fee {$2.00}, totally {$10.00} Then I finally knew that I was charged four times just because I checked balance three times and one time failed to withdraw because of withdrawal limit.
By the way, even on the receipts, there are no anywhere that mentioned there would be this charge for balance inquiry.
I did not know there would be fees for balance inquiry and even failing to withdraw. This is absolutely misleading consumers and cheating consumers.
I have the receipts in hand now if you need.
|
| 06/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
2017 I was 2months behind on my mortgage. I contacted a mortgage assistance company in NYC. They advised me to miss a 3rd payment which I now know is unethical, they took {$700.00} up front which is also a violation. They never had a lawyer oversee the Modification which is also a violation .I failed to review the modification and singed off on it assuming the company the bank and XXXX XXXX wouldn't take advantage of me.
I went from a 26 year Mortgage of {$1900.00} per month to a 40 year Mortgage at {$2300.00} per month. Because I was behind 2 payments I am asked to re pay over {$500000.00} more for my home in the long run.
I'm hoping I can get the Mortgage re-done where its more affordable and because the company represented me violated the law I'm also hoping this Modification can be thrown out .I 'm also looking to get me {$4900.00} back from XXXX XXXX for they're deceptive practices.
|
| 05/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX I received a Notice Of Serving Transfer from my bank XXXX XXXX XXXX. My mortgage was being transferred to Fifth Third Bank. This transfer was to be in effect by XX/XX/XXXX. As of XX/XX/XXXX I have not received any correspondence from Fifth Third Bank about my mortgage. My payment is always due on the XXXX of every month, so I've sent my monthly payment to the original mortgage holder, XXXX XXXX XXXX. They will determine if the payment will be returned to me or forwarded to Firth Third Bank. Fifth Third Bank is in violation by not contacting me with any notice about the transfer before the XX/XX/XXXX Transfer date. Fifth Third is claiming today XX/XX/XXXX that they just got the Transfer Notice from XXXX XXXX XXXX XX/XX/XXXX and are in the process of sending out a Welcome Package. They also claim that they are not responsible for sending out a notice before the transfer occurs.
|
| 03/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My employer attempted to directly deposit my paycheck into my Checking account. They have successfully deposited into my account since I began my employment. The bank then declined the direct deposit from my employer. There were no alterations or changes to any information with my employer or my bank. The bank has at this time decided to reject my paycheck. After discussing with my employer, they have said that the bank is still holding the rejected paycheck funds and have not returned them. After a second discussion with the bank, they advised that there is no record of my employer sending the funds ( my employer provided me with the evidence that the funds were sent ), they advised there was no record of my call to discover why my direct deposit was never received and that they do not see anything that would indicate that they have the funds that have yet to be returned to my employer.
|
| 07/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Fifth Third Bank offered me a balance transfer offer that included a 3 % balance transfer fee and 12 months of 0 % APR. I was given a check to use to take advantage of the balance transfer offer. The check expired XXXX XXXX , 2017. I issued the check to another creditor to resolve a balance before the check expiration date. Fifth Third Bank claims the check was processed by the other creditor after XXXX XXXX , 2017. They did not offer me the balance transfer offer and ultimately charged me a 4 % balance transfer fee and standard 19 % interest charges on the balance transferred to my account, resulting in {$250.00} in interest. I have a credit score of over XXXX and earn enough to pay off the entire balance. I would n't have taken their offer if the marketing was clear and I knew they would make every attempt to postpone the processing of their balance transfer offer check.
|
| 09/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
On XX/XX/XXXX I made a mortgage payment via the payment portal on the XXXX website.
The payment was due XX/XX/2023.
The payment should have broken down as follows : Principal & interest : XXXX Escrow : XXXX Additional principal : XXXX This is a simple payment made via the bank 's website payment portal. I didn't request anything out of the ordinary.
The follow day the bak applied the entire payment to principal.
This is the 5th time this has happened.
I'm not sure why this bank insists on not applying payments properly, but it appears they are attempting to make me late on payments and default on the loan. I'm not sure what other conclusion can be drawn after continuing to make payments in a timely manner and continuing to have them misapplied. This is intentional. It is intentional fraud. It is intentional theft, and I will not STOP until Fifth Third bank is out of business.
|
| 01/18/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XXXX First they called my mother. She told me they called when I got home today. Threatened that I would be served Monday if I didnt give them at least {$400.00} down and {$100.00} a month towards the debt. I dont have this amount of money. They then asked me to put it on a credit card or ask a family member for it. Its not on my credit report so I dont think I owe it anymore. They said my wages would be garnished at {$550.00} a check. I offered them {$30.00} a month which I can afford and they said its not enough. They said I owe {$3300.00} but will accept {$1300.00}. Said if we go to court it will be {$5200.00} after lawyer fees. The company was called XXXX XXXX and XXXX in XXXX XXXX, Ca. The debt is nearly XXXX XXXX XXXX and I didnt even owe {$500.00} initially. They also tried to get me to sign something over email. They said there was no statute of limitations on this debt too.
|
| 11/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a 10-year, interest-only loan serviced by Fifth Third Bank ( XXXX XXXX ). It's 7-year fixed rate period has expired and it now enters ( per the Note-attached below ) 3 ; 1-year periods of a new fixed rate. The new rate should be equal to One-Year LIBOR plus 2.25 % rounded to the nearest 1/8 %. The re-set date is 45 days in advance of the-set date ( XXXX XXXX in this case ). The re-set date should have been XXXX XXXX of this year. That was a Sunday so the last day of a current LIBOR rate was Friday, XXXX XXXX. The One-Year LIBOR rate at the close of business that day was 2.05 %. My new rate should be 4.25 % : 2.05 % + 2.25 % = 4.30 % -rounded to the nearest 1/8 % is 4.25 %. They calculated the new rate as 4.375 % ( see rate re-set letter attached ). I believe this is in error and have called the Bank 3 times. They have not called me back and have not shown me their calculation.
|
| 07/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have received several communications from XXXX XXXX XXXX in XXXX. On XX/XX/XXXX at XXXX, I called the company regarding I letter received from this company post bankruptcy. I was transferred to the case manager who hung up on me XXXX and informed his staff to stop taking my calls when I tried to call back ti provide company with Bankruptcy case number to notate for there records and pass along to the correct attorney to update. I previously spoke to the case manager XXXX, who claims ti be the Director of the company on XX/XX/XXXX and informed him of the filing and ti stop all communications.
XXXX at XXXX XXXX XXXX was very rude, unprofessional, and continues to harass me with letters and calls post bankruptcy.
I will also be bring this matter to the court 's attention. The court has as much an interest in creditors following the law by not contacting folks in bankruptcy as I do
|
| 02/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
I started receiving pre-recorded threatening phone calls from area code XXXX. I finally called back the number XXXX and was connected to XXXX. He stated he was with XXXX XXXX XXXX and accused me of fraud concerning a checking account with Fifth Third bank ending in XXXX. He had my social security number and claimed Fifth Third was sending notices to my old address in XXXX XXXX, Ohio and I never responded. I haven't lived there for approximately eight years. He claimed they did a background check to find out where I currently live. I have no idea what this person is talking about. Why would Fifth Third give my social security number to another organization without contacting me first? They have my phone number. What fraud am I committing with a closed checking account? I can not find any XXXX XXXX XXXX company or the phone number does not come up in a search. I think this is fraud.
|
| 11/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
Purchased our vehicle and it was financed through XXXX XXXX All was well until we moved and received a notice that our insurance was reported canceled by the state of California. We contacted our insurance company and had them send over the current insurance, proving that there was no lapse in coverage. A couple of weeks later we receive a second notice of the same thing. We again contacted our insurance company and had proof of insurance sent over. Meanwhile, XXXX has added their own insurance to our bill and because we pay the same amount every month that does not include the insurance we do n't need, they are now threatening to report a delinquency to the credit bureau. We have had our insurance company send the proof of insurance a third time, but we are being told that it takes 10 days to process and will be past the 30 day mark so it will be reported to the credit agencies.
|
| 12/09/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Date : XX/XX/2020 Amount : I have about {$40000.00} in my saving account at the Fifth Third Bank I need to have a recent statement of my saving account for my application for refinance. However, 53 only provided me statements up to XX/XX/2020, which is too old for my refinance application. I contacted 53 requesting the statement for a recent month but was told that the statement will only be generated every three months, and the next statement I will receive will be end of XX/XX/2020. This will impact my refinance application- the rate is being locked only for 30 days since middle XXXX, and I need this statement as document for my refinance application. Without the statement for my saving, I may not be able to get my refinance approved and receive damage financially. It is frustrating that with more than $ XXXX in my saving, I can not even get a statement. Please investigate 53.
|
| 10/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
A few years back in 2013, my identity was stolen, I was out shopping with my mom for the holidays and someone swiped my wallet. Since then, the person that stole my wallet has opened accounts in my name with out my permission and now my credit is messed up, I am in the process of trying to fix my credit and this is not an easy task to do when I cant even open a simple second chance account. With me being in XXXX because of this I have to use third party banking like XXXX XXXX XXXX XXXX and thats not fair to me. I want to be able to go into a bank and speak with a banking professional when I have an issue but I cant do that with XXXX XXXX XXXX XXXX. If you are offering second chance banking without using XXXX then thats exactly what you should do. Instead of falsely advertising that then when people like me sign up, I get denied because you actually secretly used XXXX to do so.
|
| 06/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
Beginning on XX/XX/2023, two different individuals without my permission or knowledge opened joint savings accounts with my name on them. They did this over the phone and then proceeded to transfer money from my 2 savings accounts and checking account. These fraudulent transfers totaled approximately {$36000.00}. The identity theft and fraudulent transactions left me with next to nothing in my accounts. These actions came to my attention when a received a Welcome to XXXX checking account promotional packet. On XXXX XXXX, 2023, I immediately made an appointment with my local banker and froze my accounts. Fifth Third initially said it would be resolved in 8-10 business days and then extended that to 30-45 days. The 5-3 fraud department has not been helpful in communication with me, their urgency to complete the investigation of my situation along with any financial alternatives.
|
| 08/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I was a teller at a bank years ago so I am aware of how they process transactions. The credits are processed before the debits. For example, if you have an overdraft fee that is pending but hasn't posted to your account and you make a deposit that same day the fee should fall off. Just like sweeping funds from an overdraft protection account. A few months ago I made a deposit while the fee was pending and they charged me without regard. I reported them to the Federal Reserve and just recently got a refund after all this time. But then the same scenario happened again earlier this week. I know this goes against the banks precepts and since I know that the majority of a bank 's revenue is made with fees, this seems to be fraudulent and should be addressed. I have been with this bank and prior to this, my former employer was another large institution. This is definitely atypical.
|
| 02/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I had a XXXX at Fifth Third Bank ending in # XXXX. I identified a fraudulent transaction posted to my account on XX/XX/22 from XXXX XXXX for {$49.00}. I called Fifth Third Bank and had the card blocked, closed, and disputed the transaction. They moved my balance to the new card including the fraudulent transaction! On XX/XX/22 they posted a XXXX XXXX to # XXXX and credited my new XXXX ending in # XXXX. They left the {$49.00} transaction on the old account # XXXX and showed the {$49.00} past due on the old account. I can not get them to zero out account # XXXX and they continue to report it to the credit bureaus! I have spoken with two Branch Management teams and requested they correct this, but neither one has corrected it. I have never been late making a payment! Please request they correct my old account to be closed due to fraud and show the balance to be XXXX! Thank you!
|
| 01/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am completely disgusted on the lack of communication and attention this file has received. I called today to find out if the value is in as it was completed on XXXX XXXX per the listing agent and I was told by customer services there was just a note in the system as of XXXX XXXX about loan modification. The opt out for the loan mod was even confirmed received by and confirmed by Supervisor XXXX XXXX on XXXX XXXX and XXXX XXXX stated on XXXX XXXX the file was assigned a short sale negotiator. I have had ZERO communications for said negotiator and this file has experienced one delay after another and it is completely unacceptable. The offer and complete packet were submitted over 80 days ago and there has been zero progress. It takes 5 outgoing emails to XXXX XXXX to receive a one sentence vague response. There is no excuse for the level of service that this file has endured.
|
| 12/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
I called in today, XX/XX/2023 to speak to the secured credit card department approximately XXXX XXXX XXXX XXXX time I spoke with the representative who acted as if he could barely speak, clear or audible XXXX. I can understand. I explain to him very thoroughly why I was calling in about my account, and what information I was requesting he did not want to listen to my concerns so he offered to transfer me to a totally different department that I needed to speak with about my credit card, so after I explained to him again, what I needed it and I told him very clearly if he did not know how to help me if he could transfer me to his supervisor or to another agent in his department that could, and instead of transferring me, or putting me on hold to speak to a supervisor, he put me on on hold for a long time just for him to transfer me back to the general customer service number.
|
| 09/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
On XX/XX/2022, I used the Cardtronics ATM inside of the XXXX store located at the intersection of XXXX XXXX and XXXX XXXX XXXX. I attempted to withdraw {$400.00} from my XXXX card provided by Fifth Third Bank. The ATM malfunctioned and I received a receipt saying that my transaction was denied. The money was still removed from my account. I called the number on the machine and the agent referred me to my bank because there was NOTHING that he could do. So I called my bank on numerous occasions, and each time I was told that my money would only refunded within 45 business days and that there is NOTHING that they can do. I even spoke with a manager called XXXX who insisted that I won't have any money until the investigation is complete.
Obviously, I need the {$400.00} to pay bills. Please help. There should be a way for me to have access to {$400.00} before 45 BUSINESS DAYS!!
|
| 09/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I'm not having trouble making my loan payment but was forced to pick a description.
Actual problem is that 5/3 Bank is harassing me at work to make a loan payment that is not even late. I was called onXX/XX/XXXX at work ( on the business line, not my cell ) to be told that I owe over a XXXX dollars on my auto loan. After pressing her for better details I found out that I actual owe XXXX by the XXXX of XXXX. I wasn't even late, the XXXX was including next months payment. When I said I would pay on the XXXX she insisted that I tell her how much I was going to pay. I try to pay extra but there at work I had no idea how much extra I would pay. She said because I wouldn't comment to an amount that they would continue to call my work every other day until the payment was made. I am not late paying my bills, I usually pay extra before the due date. This was nothing but harassment.
|
| 09/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My house flooded in XXXX of XXXX. My house has been completely repaired as of XX/XX/XXXX. The mortgage company still has {$370.00} left but the Loss Draft Department will not release the balance to me because they arbitrarily are stating the repair is 90 % complete. {$370.00} on a $ 35,000+ estimate. That amount is a fraction of my mortgage payment. Managers will not call me back and they keep making me miss work to have inspection companies come out who keep giving different opinions on how much work is done, when my home is actually better off than it was before since everything was completed/upgraded. I just want my {$370.00} as I paid for every repair out of pocket and had to fight with them every single step of the way for any reimbursement. It doesn't make sense as to why they are holding this money when my repairs are complete and have been that way for over 8 months.
|
| 08/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I mailed letters by certified mail to Fifth Third Bank. They are reporting that the account was included in bankruptcy. This information is NOT correct. The account was paid in full and never included in any bankruptcy. Instead of correcting this, they have placed a HARD inquiry on my credit report without my knowledge, consent or authorization. Which now it will take me months to get this fraudulent inquiry removed. They are damaging my credit with their fraudulent reporting. Because they are unable and unwilling to correct the account on my credit report I want it deleted because it is in violation of federal law. I want the hard inquiry deleted as it is in violation of federal law. They have 2 options here delete their slander from my credit report, or go to court and have a judge force them to remove their slander and pay me for damages, plus pay court and attorney fees.
|
| 04/29/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Never once missed/been late on a mortgage payment. I contact 5/3 Mortgage ( my mortgage lender ) notifying them of a job transition that was going to leave me without a paycheck for about 5 weeks. I asked for a two week extension on my mortgage, of which they said that would not be a problem. My mortgage was promptly paid two weeks later. After that two week extension I have remained current on my mortgage like I always have. Turns out - they reported me to all XXXX credit bureaus as delinquent. I called and asked for a request for correction, to which 5/3 issued a denial letter stating that it was reported accurately. My attempt to speak with a human in the Mortgage Dispute department have been violently sequestered, providing me only with a fax number. My new job is in a new city - now with this on my credit I ca n't qualify for a loan on the house we have been looking at.
|
| 07/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan was serviced by XXXX and sold to Fifth Third bank effective XX/XX/21.
Fifth Third has sent me mountains of paperwork with conflicting guidance and information, I attempted the process of trying to setup online to clarify and see the loan on their website. Their system said I had to call their customer service number which I did.
I call from work so they told me I needed to call again from my home phone to verify my identity. The problem is that would require me to miss work since their hours are listed as Monday to Friday.
No other institution I work with makes it this hard to setup a new online access, they refuse to help me and they bought the loan which means I have no options or choice aside from trying to refinance at cost to me to get away from this awful bank.
I can not think of a more anti-consumer approach to a new client than this whole experience.
|
| 12/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Hello my name is XXXX XXXX and I am a Fifth Third Bank customer inquiring on overdraft fees that have put me in further financial trouble and would like to seek help and further information in regards to these ridiculously high fees and how to get reimbursed! If someone could help me resolve this ongoing issue I would greatly appreciate the help as these fees have put me in a financial hardship and I cant get caught back up since {$190.00} worth of fees have been deducted from my checking account ( # XXXX ) within a 3 week period since the mobile check deposit feature keeps getting diasabled not allowing me to deposit money as Im 30 min away from the nearest Fifth Bank Location making it difficult to deposit funds directly into my account at the nearest branch!! Feel free to reach me by phone : mobile # XXXX!
Thank you, XXXX XXXX Last 4 of social : XXXX DOB : XX/XX/XXXX
|
| 12/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XXXX XXXX, XXXX around XXXX I made a cash deposit using the ATM located outside the branch Fifth Third Bank. Once I inserted the cash making a total of {$2500.00} the machine went black with an error message ( OUT OF SERVICE ) it took my debit card and money and no receipt was printed. I contacted customer service and explained what just had happened. The Financial Center Manager was contacted XXXX XXXX she is whom assisted me and returned my card that was still in the machine. I was told that a complaint was needed and that it was going to take XXXX business days for investigation and funds to credited to my account. I waited patiently just to find out that the case was closed. I asked for a revision of cameras that are located at the ATM. My funds are still not reflecting. It is a large amount I deposited and I have been a loyal customer with them for the past 3 years.
|
| 06/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Hi a Few days ago on XX/XX/XXXX at XXXX at 53rd bank in XXXX XXXX the address is XXXX XXXX XXXX indiana, I deposited an amount of XXXX into a Fifth Third Atm. The machine counted and took the money but did not acknowledge the money and did not accurately show in my statements. I spent over XXXX hours on the phone and even went into the bank where I was then discriminated against. I filed a police report for the theft and would like to sue my bank.The incident happened in XXXX Indiana, and I am a resident of XXXX XXXX Indiana. Please help. This bank has taken part of illegal practices and have taken my money before. Ive also filed a complaint with the company and they have started a dispute process but they are known to always reverse the decision and negatively impact your account. I was left having an XXXX XXXX inside the bank location when I found out no one was helping.
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| 09/19/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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In XX/XX/2020 I allowed my friend deposit her unemployment back paying my accchecking @, fifth third XXXX XXXX XXXX ind.XXXX I then went and withdrew it XXXX XXXX of her money in cashier XXXX and the remainder of her dep she had owed me were I gave her personal loan of XXXX inXXXX so the other XXXXshe payed that bk to me and the fraud dep said they wasclosen my acc and sending money bk to unemployment stating fraud well there was nofraud but the fraud lied they never sent money bk I called president of bank XXXX and I got letter in XXXX from him stating they closed my acc which was pose be closed in XXXX and XXXX the money was still in my accent just now said closed and haven't give my money bk they never sent no money into unemployment and didn't release it to me and I demand my money there saying I had no money in my acc yes I did I have proof also. XXXX XXXX plz help me
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| 06/19/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Older American |
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I tried to deposit {$1000.00} to my son 's 5/3 checking account today as I have done several times in the past at the same branch. Today for the first time I was asked for several pieces of personal information : drivers license, phone number, profession, social security number and if I was a citizen of the US. When I questioned the need for this information I was told it was required for any deposit over {$500.00}, when I asked if it was a new policy I was told no it had always been a policy of all banks not just 5/3. I thought the amount was {$10000.00}. My son needed the funds today so I was forced to give them the information but I feel my privacy was violated. Was It discrimination because I was doing laundry, cleaning house and was dressed in a t-shirt, shorts and old tennis shoes? Before this trip to the bank I was always dressed as if I was on my way to the office.
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| 07/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
Servicemember |
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I had a credit card through 5/3 bank and fell behind when I lost my job. The bank since then has constantly harassed me by calling at times when I have asked them no to call because of the time zone difference. Still the bank calls me on their Eastern time while I live in a pacific time zone. Further the bank got my bank account number from a payment that I made to them and randomly started withdrwling over {$600.00} each month that I would have to notify my bank that I did n't authorize and then pay the bank a stop payment fee of {$30.00} each time. This has been going on since XXXX of last year and regardless of me telling them to stop this they will not and continue to overdraw my account with each of these {$600.00} debits. Today they did it again overdrawing my account by over {$400.00}. I do n't know where else to turn since I have asked 5/3 to stop this to no avail.
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| 11/30/2016 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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Over past few weeks have been receiving phone calls that caller ID identifies as Fifth / Third bank. the # is XXXX. When I pick up and answer there is silence on the other end of the line ( I can not tell if its a human or a robot. After a few moments the phone will disconnect. Yesterday I call 5/3 @ XXXX to verify if the phone # calling me was a 5/3 # ... after being put on hold the representative came back on the line & stated that YES ... THIS # IS FROM THEIR COLLECTIONS DEPARTMENT, ( SHE ADMITTED THAT 5/3 WAS MAKING THESE CALLS ) plus I have had other similar calls from other # 's ....
15 USC 1692F ss 806 ( 5 ) Seems clear regarding this type of call.
THESE ARE HARRASSING PHONE CALLS.
IT 'S INCONCEIVABLE TO ME THAT A BANK WOULD ACT IN SUCH A DISPICABLE MANNER, I do n't even believe it is me that they 'd be trying to contact ... PLEASE HELP WITH THIS ISSUE Thank You.
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| 07/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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I closed my safe deposit box on XX/XX/2023. Went into the branch, signed paperwork and gave them the two keys I had. They gave me a {$25.00} credit on my account for the keys. Annual renewal was XX/XX/2023. They gave me no paperwork and no receipt. I had to take off work to do this.
On XX/XX/2023, Fifth Third charged my account for the safe deposit box for another year in the amount of {$86.00}. I called Fifth Third customer service, they could not help me, told me to call the branch. I called the Fifth Third branch, no answer and no voice mail to leave a message. This was XXXX XXXX today.
I can not take off work again to go to the branch to ask about something that should have already been handled a month ago. Please ask them to refund the {$86.00} immediately. I am trying to close out all my accounts at Fifth Third, but they are making it impossible for me to do so.
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| 11/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I deposited checks at my Fifth third Bank account in 2019 which was given to me by my brother and relatives to buy my house as I was low on my down payment. The Bank put on hold for one month. Then they said they sent one of the checks to IRS in amount of {$7000.00}. I called several times to the bank which they keep saying to contact IRS. I have been talking with IRS live agent and sending mail butThey are saying that they didnt get any source of the check which was sent to IRS by Fifth Third Bank XXXX
The contact person for Fifth Third Bank is XXXX XXXX. She can be reached at XXXX XXXX XXXX.
I humbly would like to request if you can help me where the check is and how do I get back.
Thank you for all your helps.
Here is My informations Name : XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX. XXXX XXXX Phone XXXX XXXX XXXX Email XXXX Sincerely XXXX XXXX
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| 11/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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On XX/XX/2023, i signed up online for a fifth third checking account with the promotional coupon code for {$350.00}. On that day i was able to access my account via app all night with no issues so i initiated a {$500.00} transfer from one of my current bank accounts to the new fifth third bank account which was processed on XX/XX/2023. I called customer service on XX/XX/2023 and they told me i would have to send in documents to access my account by going to a branch near me when there is NO branch near me and i repeatedly told the agent that. In order for me to access my account after me sending {$500.00} to the new fifth checking i suddenly cant access my account and they trying to keep my money without returning it. I am willing to take any legal action i can because they are NOT about to keep the {$500.00} i transferred to the account. I wish i never signed up PERIOD.
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| 07/09/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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XX/XX/2021 I got direct deposit routing number from chat online from the bank. It was the wrong routing number. Corrected it XX/XX/2021 with the bank and payroll of my job by phone. I have been in contact with my payroll and the bank almost 2 and half weeks. Now receiving a new deposit. Yesterday {$500.00} hit my account I am due another deposit of {$500.00} as we have entered into a new pay period. This is a problem because this is must use system and it does not correct it self effectively. I am being told inconsistent things and the bank gain the interest on the funds delayed. I dont I am late paying my rent and bills. I have enough to figure out on my own. This system is a hinderance if I had gotten paid on Friday by paper check then I could distribute my own funds without a third party or routing number. Please help me get my funds so I can pay rent the full amount.
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| 10/04/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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I was a victim of a fake Cashiers Check scam. My bank ( Fifth Third ) failed to identify a fraudulent cashiers check I was given by a potential car buyer from craigslist. I cashed the check and recevied {$2400.00}. I started sending money back to the buyer when the sale fell through and sent {$700.00} to his " moving company '' ( XXXX to XXXX transfer XXXX to XXXX XXXX XXXX in XXXX georgia ) and I sent {$900.00} via XXXX to his XXXX XXXX XXXX account assocaited with his email ( XXXX, routing # XXXX, account # XXXX ). Yesterday the check was flagged as a fruad and {$2400.00} was taken out of my Fifth Third account, leaving me out XXXX to this scammer. I talked to representatives of both Fifth Third ( my bank ) and XXXX XXXX XXXX ( the scammers bank ) but I have been unable to get any money back from being defrauded and neither has been able to help me report this crime.
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| 08/08/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I contacted Fifth and Third bank back in XX/XX/XXXX 2017. I spoke with a XXXX who would not give me her last name and she told me that my account was sold to collection agency and if I would pay it could be removed from my credit report. I contacted the collection agency who is XXXX XXXX and paid a settlement of XXXX out of my XXXX account. I feel this bank is using deceptive tactics to collect old debt. from my understanding phone calls are recorded therefore I am requesting for phone transcripts to be release of my phone call made in XX/XX/XXXX. Also according to 623 ( a ) ( 7 ) Section of the Fair Credit Reporting Act consumers are suppose to be notified of any negative information that is being reported to credit agencies. I did not receive any letter that this information was being put on my credit report. If a letter was send I am requesting a copy of that as well.
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| 07/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Fifth Third Bank is the servicer on my mortgage and responsible for paying all property taxes on the property pursuant to the escrow agreement. Since XXXX of 2014, they have failed to pay a portion of the property tax. That outstanding portion sat on my account unpaid and collecting interest. I only found out about this when I was in the processing of re-financing the loan and the outstanding amount was discovered. I have asked Fifth Third to reimburse me the amount of interest that unpaid portion of the property tax and they have yet to respond. I fully expect the interest charges on that amount to be reimbursed and feel a fine should be in order. If I had n't refinanced and caught this omission of duties on their part, I 'd be looking at a huge property tax bill some 26 years down the line when I finally manage to pay off my mortgage. This is completely unacceptable.
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| 05/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Fifth Third Bank failed to notify me of a large number of fraudulent debit card transactions totaling approx. {$2000.00} ( XXXX XXXX XX/XX/2023 ). This was a student account. They were notified, at opening, that this account was a dedicated repository for college funds. The fraudulent activity was extremely different from my usual transactions. I have had several issues managing my account using their recommended app. Though I had push alerts set up in the app, they vanished, unbeknownst to me.
Once I discovered the fraudulent activity, I notified the bank. I ordered a new debit card and closed the compromised account. The bank opened up an investigation, but never put the required provisional funds in during this period. The bank did conclude and denied my claim. I am still awaiting paperwork several weeks later that detail results and findings of their investigation.
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| 11/27/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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On XX/XX/XXXX my wallet was stolen. Inside this wallet was a XXXX XXXX XXXX ATM Debit Card administered by Fifth Third Bank. I notified the bank the same day. I also froze the card at the bank website. When 3 unauthorized transactions appeared, totalling approximately {$180.00} on XXXX/XXXX/21, I asked the bank to remove them. They gave me a phone number for " disputes ''. I called the number and provided the information related to these transactions and the last legitimate transaction before them.
Approximately 45 days later I received a letter with the results of the bank investigation. They said they found no merchant misconduct, the transactions will remain charged to my account and this action is final. I never claimed merchant wrongdoing. I SAID THAT MY WALLET WAS STOLEN!
I would like the bank to return the approximately {$180.00} back to my checking account.
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| 02/04/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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5/3rd Bank allowed {$4000.00} to be stolen from our account and refuses to honor our claim. Multiple thefts occurred from XX/XX/18 through XX/XX/18. We filed an original claim and that was denied, a dispute letter was filed and also denied. We just recently filed a complaint with XXXX XXXX XXXX. 5/3rd bank promptly responded to XXXX with the same excuse. 5/3rd bank claims the thefts were made using a card with electronic protection or PID #. Regardless of what method was used the thefts still occurred and the bank allowed several fraudulent purchases to be deducted from our account.
NOTE : We have been a 5/3rd customer for almost 40 years. The thefts were not promptly noticed due to health issues at that time.
Our last contact was with : 5/3rd Dispute Resolution Department ; XXXX XXXX ( Office of the President ) PH : XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX , Ohio XXXX
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| 12/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My ex-boyfriend reached out to me because he was contacted by Fifth Third Bank numerous times this past month. Fifth Third Bank changed the phone number associated with my mortgage to my ex-boyfriend 's phone number, which is not associated with my mortgage. Fifth Third Bank did not give me an explanation as to why it changed or when it changed. To make a payment, I had to provide my ex-boyfriend 's phone number and then explain the situation, to which they said, " I do not know when or why the phone number changed. '' I talked to 4 different people who merely repeated, " It is fixed now, and that number will never be contacted again. '' I again requested information about when this change was made and was given the response, " I do not have access to that information. '' This is a huge security issue. What if he took out a loan against my house? This is unacceptable.
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| 12/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I believe that my escrow account has been mismanaged.
In XX/XX/XXXX I refinanced my mortgage loan, My payment started out at {$900.00}. On XX/XX/XXXX I was sent a letter by 5th 3rd Bank reducing my payment to {$790.00} and a check for {$460.00} for an overage in my escrow account. I assumed the bank knew what they were doing. I just received ( XX/XX/XXXX ) a letter stating that my XX/XX/XXXX payment has been increased to {$1000.00} due to a shortage in my escrow account. I contacted the bank and they could not explain how their figures were so wrong. They have made mistakes on the projected cost of insurance and taxes for XX/XX/XXXX.
and then lowered my payment. They must have caught their mistake and now I am forced to come up with about {$3600.00} over the next 12 months.
This is not right. I live on Social Security and this is going to cause me great hardship.
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| 11/12/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/19 received an alert that a possible fraudulent charge of {$85.00} had been made to my checking account. Contacted financial institution to make them aware that I did not use my card at said merchant or give anyone permission to use my account in the amount of {$85.00} and that I had had my card the entire time.
A dispute was opened by my financial institution for this charge/amount on XX/XX/19. Payment was pending until XX/XX/19 and the bank stated they were unable to do anything while payment is pending. {$85.00} was officially taken out of my account on XX/XX/19. I again contacted my bank concerning not having access to my funds, to which they told me that it would be an additional 4 days until a reimbursement could be made to my account. As of XX/XX/19, no reimbursement has been made to my checking account, preventing me from paying any necessary bills.
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| 02/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I had an investment property in florida that I sold last XXXX, 2018 in a short sale. The original loan had PMI on it and the shortage to the bank was paid from the proceeds of the PMI policy on XX/XX/XXXX of 2018. In short, the bank, Fifth Third Bank, was made whole and suffered no loss. 5/3rd sent me a year end statement that verifies the same. Two weeks after I received the year end statement, 5/3rd then sent a 1099C showing a discharged debt. This 1099C should never have been created as there was no loss to the bank and the PMI made the bank whole. Ive spent hours on the phone repeating the same information over and over again and while they've acknowledged they made a mistake, they have not corrected it and I can not file my taxes until they do. They need to cancel out the erroneous 1099C 's issued to both my wife and myself and provide me with proof of the same.
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| 06/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Fifth Third Bank does not have an effective compliance management system. In it's Supervision and Examination Manual, the CFPB expressly defines an institutions consumer complaint resolution process as a principal component necessary in establishing an effective compliance management system. Fifth Third Bank specifically does not have a clear and transparent publication of its consumer complaint management program to the public through its public website : 53.com. A search for " complaint '' in it's search box on the website does not yield any form of online ability to submit a complaint or how complaints work at 53.com. A search of the site map for the website also yields no clear and transparent publication of a consumer complaint program. Financial institutions should all have publicly available online forms to submit complaints which 53.com does not even address.
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| 10/28/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I disputed a charge from bank account in XXXX 2016 regarding a charge from XXXX rental car. I was involved in a car accident and XXXX paid XXXX the money owed for the rental car. I confirmed with XXXX that the check was cashed by XXXX on XXXX for the amount that I was disputing. I contact XXXX on several occasions and was advised they would send me a check for the balance that was deducted from my bank account, the amount was {$590.00}. I was advised by the store manager of XXXX that the check would take 6-8 weeks it has now been 9weeks,. I contact XXXX a few weeks ago and was advised by one of there associates to dispute the charge with my bank and that this will resolve everything. Yesterday the bank declined the dispute and took all my money from my account without any notification. With that being done I contact the bank and they stated their is nothing I can do.
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| 11/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
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So the first payment I sent from my XXXX checking account was not posted until after I called and complained. It took over 5 days from when the payment was taken on the day I requested it. This was a {$50.00} electronic payment made in XX/XX/2022. So I made a second payment in person at the fifth third bank with a check from my chase bank checking account. This was a {$250.00} payment made on XX/XX/2022. This was posted from my XXXX checking account the same day I paid Fifth third bank on the same day I made the payment at the fifth third bank location ( XXXX XXXX on Friday Morning ). I have called both times and was told the first time not to do an electronic payment as it can take 5 or more days to post. I called again when the XXXX payment still had not posted by XXXX pm on Monday the XXXX of XXXX and was told it can take 3-5 business days to post to my account.
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| 04/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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- Problem getting a card or closing an account
- Trouble closing card
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Web |
Servicemember |
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I had a secure credit card with 5/3 bank. I closed it because they wouldn't raise the amount after using it without any problem with card. I call my personal bank in XXXXXXXX XXXX told him i want to close it and why. He closes the account but didn't leave any money on the secure card. A charge came in after for approx. {$50.00}, there was money in my checking, instead they start running up overdraft fee. I final saw a note on online banking about this. XXXX talk to branch MGR and district MGR about waving fees that they cause, They remove about {$200.00} but not all of them. Even though they admit to mistake.
Its still on my credit report to.I have several call into District Mgr XXXX XXXX.
he said he would check into it, but has not because I ask XXXX again.
They are at fault, with this situation.
They need to remove this from my Credit report and wave all fees.
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| 08/12/2017 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
Older American |
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My bank has acknowledged that they know funds from my savings account were stolen from my savings account. They allege they have credited my account for a little over six thousand dollars. I have three receipts showing I deposited {$30000.00} on XX/XX/XXXX, {$14000.00} on XX/XX/XXXX and {$29000.00} on XX/XX/XXXX. Though I have repeatedly asked the bank to send me my money, they have sent me absolutely no money. I believe I should also be entitled to receive punitive damages for mental anguish and the financial hardship Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX has caused me. I do not know what the law says about that. I assume you do. My savings account number at Fifth Third Bank was XXXX. My present address is : XXXX XXXX, XXXX XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX. I do not know how to send you copies of the receipts for deposit. What should I do next??
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| 03/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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made one {$200.00} payment over phone and they withdrew 4 payments of {$200.00} on monday XX/XX/XXXX... we called they said they would call me back in a few mins.they never did.so i checked my checking acct. tuesday XX/XX/XXXX they re turned 2 of the payments that where illegally took on the XXXX but fifth third took another payment on the XXXX fifth third took a total of 5 {$200.00} payments when i only authorized 1 payment of $ XXXX.and told me i have to call in 7 day and begg for the return of the4 other payments fifth third took using an illegal wire transfer that fifth third use to steal my money in the first place... so i cant pay my bills and she said we could always cut your credit line on you! so even though i have had that acct. 10yrs. plus i great standing fifth third is going to threaten me because of something they did that is illegal! Please HELP!!!
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| 03/03/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
Older American |
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On XX/XX/XXXX, I called the bank told the teller that someone was taking money out of my account and I did not want it, please dont allow it, she said I c it, its still pining, I said ok stop it dont give it to them, she said as long as its pining I cant do anything, it has to complete, I said but I dont want them to have my money, once it completes they will have my money, she said once its completed u can put in a dispute, I did, 9 days later they put my money back, after 3 months, i go in my account and they had took all my money and said I was overdraft, {$4900.00} was the amount that had been taken at first, they denied my dispute, {$2100.00} was taken by the bank cause thats all I had and they called it a overdraft for the balance, they r saying I overdraft the money, thats not what happened, now saying I have XXXX more in overdraft, thats not what happened
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| 12/11/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I received a check in the mail, and went to my 5/3 bank to deposit it. When the clerk came back, saying that the check could not be verified, she gave me the check back and said to check with the company that sent it. I called the number on the letter that accompanied the check, and was instructed to mail everything back, and that they would look into it. After I did so, I never heard anything else back from the company, and when I went back to my bank, I was instructed that they had closed my accounts and seize my remaining assets because the check I attempted to deposit was suspicious. I was then told that my balance would be mailed to me, and that there was no one I could talk to in regards to this incident. I was also told that had the check not been returned to me, that the outcome and actions taken by the institution would have been significantly different.
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| 12/26/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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My name is XXXX XXXX live in XXXX Va. Sold XXXX handbags to XXXX XXXX whom gave me a cashiers check dated XXXX/XXXX/2016 {$1300.00}, check # XXXX, routing # XXXX, and bank acct # XXXX, drawn on Fifth Third Bank in XXXX KY which was returned and I called my bank Suntrust who stated looked suspicious so my acct was overdrawn due to this. Called Fifth bank spoke W/XXXX who stated the acct # on check is good but there was no monies on this cashier check and does not know what happened, so I believe XXXX knew this at the time she presented the check and so I feel I got now where with Fifth Third bank. There customer committed fraud. I been sending emails to here about this and she has not responded so I believe she intended to stiff me out of this monies and I would liked this looked into. her email address is XXXX and with offers up email listed as Deals discuss-XXXX
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| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I had a covid forbearance on my mortgage through Fifth Third Bank through the end of XX/XX/XXXX. I filed for an extension during the month of XXXX.
I contacted them for an update in XXXX, they said they didn't get anything and if I still was having the hardship I would have to apply for a new forbearance. I did so.
The assessment of it was delayed until XXXX, and so XXXX and XXXX were marked as late payments.
My situation changed in XXXX of XXXX and I was able to bring everything current and come off of forbearance. Unfortunately those payments were still marked as late and so they were marked as paid 180 days late.
I appealed and filed disputes through the credit bureaus, but they were denied too quickly for me to believe they were really looked into.
This has proven problematic with attempts to refinance and be approved for new lines of credit since.
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| 10/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I noticed an increase on my loan amount from XX/XX/XXXX for over XXXX, with Fifth third bank. I have tried to talk to them to explain to me about these discrepancies. Today XX/XX/XXXX I called 4 times and every customer service representative has either transfer me and hanged up on me before I can get this issue resolved. I am very disappointed as to how Fifth third bank has handled this issue. These information appeared 2 weeks ago because on XXXX, XXXX and XXXX. I am trying to purchase another property and I can not do it without them changing the information. It appears to me that there is some fraud activity going on and they don't want me to know or to give up clarifying. I have requested for the Fraud Department mailing address and it was not provided to me. I wish some more people come forward and report any of these similar activities with their account.
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| 02/01/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Hello, I use a fifth third bank account. I use the autopay through my bank ; where every month I go in and set the date of when I would like a check to be sent out automatically through the online portal.
I had set that the XXXX my landlord would get a check through the online portal for {$370.00}. I canceled that check-called my bank and explained why I was canceling that check because my landlord turned off my water without telling me as I was living in the house. I had no water for a week- causing me to move out and find a new home in a day.
My bank told me onXX/XX/XXXX when I went to cancel the check that I had more than enough time- that the bank was pulling the check from my account and not to worry about it and that my landlord would not get the check.
XX/XX/XXXX- the check posted and now my bank will not help me at all causing my account to bounce.
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| 04/25/2017 |
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- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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I am applying for a mortgage loa n with 5/3 Ba nk through their physician program. I offered {$250000.00} on a property. The appraisal came back at {$220000.00}. We are currently disputing, but the appraisal was poorly done and I believe was biased. The appraisal includ ed 2 properties that were listed, not sold and on the market over 90 days and a short sale when there wer e other, more comparable, properties that had recently sold. These were even provided to th e appraiser by the seller 's agent. The property is located on the south side of XXXX in a traditionally low-income neighborhood. It is my impression that the bank and th e appraiser are allow ing their own implicit biases to come into play with regards to this loan. I do n't think the bank wants to invest in a neighborhood like XXXX due to its demographic. I find this unethical and inappropriate.
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