Date Received: 2022-07-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: 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
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX we XXXX XXXX ( also known as XXXX XXXX ) and I, XXXX XXXX XXXX, received an incorrect Certificate of Release from the holder of the mortgage on our home, Fifth Third Bank. Despite much correspondence with Fifth Third Bank, they have continually refused to give us a correct Certificate of Release. We have describe this problem in detail in our correspondence with CFPB. Our correspondence with CFPB is dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Please advise.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My son and I have a joint checking account and I previously requested he not be allowed to overdraw the account. He has for a second time overdrawn the account. He was {$12.00} overdrawn and this resulted in over {$70.00} in overdraft fees, he is a minor and my request that any transaction that would result in an overdraft be rejected has not happened. I know he has had previous fees reversed due to this exact situation but this is bank error in not updating the appropriate overdraft opt out preferences. I request all fees related to this overdraft be reversed and the account correctly opted out of paying overdrafts in the future.
Company Response:
State: IL
Zip: 60516
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: 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.
Company Response:
State: SC
Zip: 29625
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Someone gave me a fake check of {$5000.00} On XX/XX/XXXX I deposited it not realizing it was fake. The person was asking for the money back so I was transferring it back to them. Then my bank tells me on XX/XX/XXXX it was a fraudulent check and they are not helping me get the money wavered or reimbursed.
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In the middle of XX/XX/2022 while scrolling through my Fifth Third Bank statement I noticed something odd. A check issued by the XXXX XXXX XXXX for the amount of {$7200.00} had been withdrawn from my XXXX Account. This company is unknown to me. I called the bank and was told to come in and complete a Fraud Packet. I proceeded to do that and with the help of XXXX XXXX i completed the form and had it notarized. On XX/XX/2022 it was submitted and assigned the case # XXXX. On XX/XX/2022 I received a letter denying my claim for the following reason : the time frame for submitting a disputed transaction is 30 days after your related statement and date. Unfortunately, this dispute was submitted outside of that timeframe. I have subsequently learned that checks can be drawn from XXXX Accounts and have informed the bank to cease that practice with my account.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a mortgage with Fifth third Bank and qualified for a FHA loan XX/XX/2022. The loan went to underwriting on XX/XX/2022 from there on challenged what my last name was even after I presented everything thing they request ; driver license, social security card, tax returns, paternity letter, birth certificate, check stubs. This went on for three months when my closing date was set for the end of XX/XX/2022. Even after my identity was cleared up FHA continued to ask for letters to explain who my wife is and if we were married, inquires on my credit report, my past residence, among other letters that I provided to them repeatedly up until the seller cancelled our contract on XX/XX/2022. I feel discriminated against because even though it all each time I tried to contact fifth third bank via phone I could never get a response.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 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.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I took out a secured credit card for {$300.00} I paid on it until covid-19 then I had to make choices on buying food or gas I received a letter today XX/XX/XXXX the letter was supposed to be sent out XX/XX/XXXX when my account was sold I was supposed to be allowed up to 5 days to dispute them selling my account I just received the information today which is XX/XX/2022 I never received any information stating they were going to sell my account now is saying that I owe {$660.00} on a secure credit account.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 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!
Company Response:
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A