Date Received: 2022-07-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: 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.
Company Response:
State: OH
Zip: 44221
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: 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?
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX, XXXX, my checking account was defrauded to the amount of {$1000.00} by a party utilizing XXXX. This transaction was never authorized by me. 5/3 Bank insists that I did authorize it and refuses to replace the funds. I have filed a police report, a claims report with XXXX XXXX, the Federal Trade Commission & attempted to receive phone records from XXXX to prove my position. However, XXXX will not release said information without a court order. To complicate matters for me, when this occurred, 5/3 bank had never informed me of a feature which they offer customers which signals me immediately when any substantial transaction is made against my account. I learned of this feature accidentally in a conversation with one of their banking officers ( but not the one who originally handled my complaint ).
Company Response:
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, approx XXXX I went to the Fifth Third bank XXXX ATM XXXX on XXXX XXXX XXXX I attempted to make a cash deposit of {$1100.00}. The machine alerted an error and was supposed to reissue my cash back to me. The machine only returned {$6.00}. I then checked my account balance and the money was not there and the machine reported an error with cash deposits after my money wasnt returned. I attempted to call the bank and the call center was closed and I received no response on the companys user chat.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 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.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: 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.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 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.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, Credit reporting agency showing incorrect delinquency on my mortgage account with fifth third bank. My payments have been deferred forbearance till XX/XX/XXXX due to covid. Fifth third bank and I agreed mid XXXX that we accepted fifth third bank offer which is to open a balloon payment. Then fifth third bank deferred payments till XX/XX/XXXX. I reinstated auto pay account with fifth third bank on XX/XX/XXXX and continued to pay regular monthly payments from XX/XX/XXXX as agreed. I have all supporting letters from fifth third bank which I submitted to XXXX and they are not removing incorrect information. They reported that I was delinquent 180 days in XX/XX/XXXX. Supporting doc. Leter from fifth third bank that my payments have been deferred to XX/XX/XXXX
Company Response:
State: VA
Zip: 22901
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage loan was recently transferred to 53 Bank back in XXXX. Ever since I've had multiple issues with payment allocation where I request the payment to be applied to the payment schedule but it is applied entirely to the principal. This has happened 3 consecutive times in the last 3 months where I make a payment online and the payment is misapplied. This requires extra time going online and having to wait for a representative to submit a formal request to reallocate the funds. This is the worst servicing company of the XXXX I've had to deal with, they won't even allow you to set up recurring payments unless you have an account with them... This bank should not be allowed to service mortgages if they don't have the proper systems in place to do so.
Company Response:
State: CO
Zip: 80537
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: 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.
Company Response:
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A