Date Received: 2023-12-03
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: 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 ....
Company Response:
State: WA
Zip: 98685
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: 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.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: On the day of XXXX couple of transactions, were made from my account while I was heading to work with my debit card. The XXXX one was at XXXX # XXXX XXXX XXXX XXXX. XXXX XXXX, CA. withdrawn $ XXXX XXXX one was at XX/XX/11 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , withdrawn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA. XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX THAT'S all the transactions they did throughout the morning while I was going to work.
Company Response:
State: CA
Zip: 93905
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was not notified of the check being flagged for a hold. Not on my mobile app, there are XXXX alerts as of XX/XX/XXXX. Not by email. XXXX emails. Only after I asked was notification provided. And the check in question was deposited XX/XX/XXXX and cleared the issuing bank XX/XX/XXXX. The check is from XXXX. A reputable company. Who I have been associated with for 16 years now. No reasonable reason to suspect for hold. So fifth third has been paid and has been holding my money since XX/XX/XXXX. And has a hold on the check until XX/XX/XXXX. Unreasonable hold status, and the check has cleared per adp. I have the email of the cleared check. Also the hold period is excessive.
Company Response:
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: 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.
Company Response:
State: MI
Zip: 48307
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Between XX/XX/XXXX and XX/XX/2023, {$1000.00} was fraudulently taken out of my Fifth Third business checking account. After receiving the runaround ( told I would receive the funds back in 7 days, then 10 days, then 45 days ), I received a letter dated XX/XX/XXXX stating I would not be receiving my funds back and my fraud claim was denied.
Company Response:
State: FL
Zip: 33714
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT AUTO LOAN HAD BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS AUTO LOAN UNDER MY NAME. THIS IS A FRAUDULENT AUTO LOAN. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. BUT XXXX, XXXX, AND XXXX CREDIT REPORTING AGENCIES REFUSED TO BLOCK AND DELETE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPROT.
Company Response:
State: CA
Zip: 90041
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: 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.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: 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.
Company Response:
State: TN
Zip: 38114
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: 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.
Company Response:
State: AR
Zip: 72764
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A