Date Received: 2022-07-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Fifth Third bank received a check via XXXX addressed to me and deposited it in my account without verifying it with me! I had no knowledge of this check until after they deposited it and overdrew my account {$500000.00} because they said it was fraudulent! Now they are closing my account after 20 years for something I had no part of!! They are withholding my federally protected pension and social security. Treating me like a criminal and I did nothing wrong
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/21 XXXX around XXXX my wife and I went to the ATM at Fifth Third Bank to deposit my bonus check from my employer. I signed the check and wrote " pay to the order of " Them my wife signed it. ( Which is how the bank has told us to do it the past. I am not on the account. The transaction was complete the check was deposited and we waited for it to be available. The next day at XXXX still not available. So wife calls the bank and was told bank rejected check. Asked why was told payee not on account. Okay can we have the check back was told no .. that a legal copy of the check would be mailed to us. NEED OUT MONEY ASAP.
Company Response:
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: 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.
Company Response:
State: KY
Zip: 40383
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Used a XXXX transaction through my bank, Fifth Third Bank and was scammed for {$900.00}. Filed a dispute and the bank closed it because they could not refund the exchange. There is no warning on the XXXX app or through my bank to not use the app for receiving payment when selling an item to a stranger. I want a refund from either the bank or XXXX as I am on a fixed income and can not afford to lose any money.
Company Response:
State: OH
Zip: 45013
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 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.
Company Response:
State: GA
Zip: 30542
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been waiting for over a month for a credit to be returned to my card. I have called and spent hours on hold just to keep being transferred in circles when i clearly communicated what needed to be done. There were several times i was told i would receive a call back and did not get one as well as several times they told me they were putting a request in and the funds should be back on my account in a matter of days and as of today i have yet to be refunded. As a single individual with XXXX children STILL in the middle of a pandemic and taking care of inflating grocery, gas and rent prices this is very much unacceptable. This problem started XX/XX/2022 and as of XX/XX/2022 it has NOT been rectified.
Company Response:
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: 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
Company Response:
State: SC
Zip: 29403
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: 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.
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 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.
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 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.
Company Response:
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A