Date Received: 2023-11-28
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: 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}.
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 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,
Company Response:
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Fifth Third Bank XXXX account number XXXX Opened XX/XX/2020 Closed Date XX/XX/2020 Account closed and reported under my name on XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: FIFTH THIRD BANK- XXXX ACCOUNT NUMBER XXXX, OPENED XX/XX/XXXX CLOSED XX/XX/XXXX. Account closed and reported under my name on XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( all information Ive found about this merchant is that its a scam ) allowed fraudulent transactions to be posted on their card batches. I filed a fraud claim with my bank, Fifth Third, for those two transactions and a third transaction that was already stopped by the merchant for being fraudulent and is no longer part of the fraud investigation by Fifth Third.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Fifth Third Bank initiated an inquiry on my credit report without obtaining my consent when I explored the possibility of opening a bank account with them.
Company Response:
State: NC
Zip: 28120
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: 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.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: They don't protect your account they allow companies to take out unauthorized charges when it will put your account into the negative and charges very high inconsistent overdraft fees and they take benefits away
Company Response:
State: IN
Zip: 47714
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Fifth Third has refused to close our XXXX account for our son and now is hanging up when we call to close our personal checking. We have moved XXXX hours away from the nearest branch and XXXX from our home branch. We are not driving XXXX hours to close an account. Close the accounts!
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new FIFTH THIRD MOMENTUM SAVINGS and CHECKING accounts on XX/XX/XXXX. Link for the promotion https : //www.53.com/content/fifth-third/en/mkg/checking-offer.html To qualify for the {$350.00} checking bonus, provide the offer code, open a Fifth Third Momentum Checking, or Preferred2 checking account by XX/XX/XXXX and make direct deposits totaling {$500.00} or more within 90 days of account opening. I made multiple direct deposits totaling {$500.00} or more within 90 days of account opening. I never received the {$350.00} bonus within 10 business days of completing the qualifying activity requirements. I contacted FIFTH THIRD bank on XXXX about the promotion and they refused to honor the promotion.
Company Response:
State: MI
Zip: 48336
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A