Date Received: 2022-06-01
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On Tuesday, XX/XX/2022 I went to the drive thru of the 5/3 bank at XXXX XXXX XXXX in XXXX XXXX, Il. WHile there, I asked the bank teller instead of giving me cash, to please make my withdrawl into a Money order or casheirs check, which ever is cheaper. She said for that I would need to come in, I stated to her that I am on crutches and can not. When I filled out my witdrawl form I clearly marked and signed to withdraw my money from my savings account. On Wednesday, XX/XX/2022 I received my bank alert and checking account had a negative balance. Iimmediatley figured out that the bank teller withdrew from the wrong account. I checked my my accounts and the bank teller certainly did withdra my money from the wrong account. After nearly 30 minutes of speaking to another bank teller and I myself ttransferring my money from the savings to the checking to get out of the negative balance, the teller still refused to rectify the situation by returng the negative money that I am now out. However, after clearly stating to him that I will close ALL my accounts, he did admit the teller was in error and they do have the signed withdrawl form with SAVINGS marked. All I want is the money that I now lost because of this bank teller and her error.
Company Response:
State: IL
Zip: 60018
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX, i mobile deposited an XXXX XXXX payment into my fifth third checking account. After waiting 2 days for the check to process, it had cleared and was available in my account. On the morning of XXXX, I checked my bank statement to ensure my account was good for the bills that are set to autopay on my account. I was shocked to see that my account XXXX over XXXX dollars in the negative and there was no clear explanation as to why. Today, XXXX, I called fifth third for details as to why they overdrafted my account by such a huge number, given that I had no pending transactions or checks showing as bounced. After talking to an agent at the XXXX XXXX location in XXXX, Ohio, I was informed that the check had been deposited twice although it had not been endorsed until I deposited it on XXXX. I was then called back and told it was because the check was void after one year and I had missed the window to despot it. I was then called back again and told that the check had indeed been deposited twice, and I was expected to pay back the full amount after they had made the funds available. This constitutes fraud on fifth thirds part as they have either deposited an unendorsed check to my account without my knowledge, or have accepted the check and deposited the funds, only to pull them from my account after well over 2 weeks of access. Fifth third has willingly and knowingly provided me false information and is in violation of 15 U.S. Code 1611.
Company Response:
State: OH
Zip: 43211
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
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: This is my response to the incorrect " analysis '' done by the bank : XXXX XXXX : Please see the attached response to our complaint from XXXX XXXX, in regards to the misapplied payment and XXXX credit bureau reporting by 5/3 Bank. The key takeaways from XXXX XXXX 's response : 1. The bank applied {$10.00} on XX/XX/22 to complete the shortage of the XXXX payment. Why wouldn't the bank do this on XX/XX/22, when the second payment was actually received? What we are observing is that the bank had enough of our funds to complete the misapplied XXXX payment but reported it late anyway. 2. We have additional properties and are not always using this home ; therefore, the timely checking of mail is not always possible. Why would 5/3 Bank choose not to email or call in situations such as this? 3. It seems that 5/3 Bank would choose to ruin a valued client/customer relationship over {$10.00}, rather than making a goodwill adjustment in a unique situation. The payment history and credit was perfect. What does the bank gain from needlessly damaging a customer 's credit and then wasting its own resources dealing with the escalation? 4. Since the escalation of this issue began, at least five people have touched this account and now additional members of the executive and board team are starting to get included. Was the refusal to do a goodwill credit reporting adjustment worth it for the bank? Next escalation steps if this matter remains unresolved ( please confirm resolution by XXXX XX/XX/22 ) : 1. A copy of this response will be submitted to CFPB, XXXX, and credit reporting agencies. 2. Additional board members will be included on future outreach ( email and phone ). XXXX. This experience will be shared on social media, along with the business contact information of all the relevant people involved ( based on the current reviews of this bank, it seems there are plenty of people who would find it useful to share their negative experiences with the leadership of this bank ). Regards
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX- Applied for PMI cancellation. Was told I could either make a payment to get over 20 % equity based on appraisal or apply for a reappraisal. XX/XX/XXXX- Applied for PMI cancellation after making numerous additional payment to get to the 20 % equity. Now they are saying I need to get to 25 % equity. Also claim they are unable to calculate the value of the house and that it may have gone down. Apparently my house is the only house in the country that may have decreased in value over the last 2 years.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX I made my car payment of {$410.00} on the XXXX website. This date is before the 30 days late point. The payment was accepted and everything looked fine. A week or so later I was contacted by the bank saying no payment was made. After much research and talking to several bank employees it was deciphered that the bank account number used in the transaction was wrong. The bank blamed me for the error and said TOO BAD. The number in the transactions was XXXX. THIS NUMBER HAS NO SEQUENCES THE SAME AS MY ACTUAL BANK ACCOUNT NUMBERS. Fifth Third Bank website malfunctioned and created wrong information for my on-line transaction and they do not want to correct their error on my credit report showing a 30 day late payment. I have had this account for over 4 years with no 30 day late payments!! Money was in my bank account for this payment.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I wrote a check and put it in the US mail, the check was made out to City of XXXX for {$51.00}, the following day I looked at my banking app and I was negative {$2600.00}, I looked at the transactions and saw the check I wrote for {$51.00} had been altered to {$4000.00} and deposited into another checking account with XXXX XXXX XXXX. I went to Fifth Third bank in person because no one could help via phone. They closed the account and I opened a new account, they told me that it will take 180 days to get my {$4000.00} money back after they investigate the situation, I said that seems unreasonable since I alerted them within 24 hours of this fraud. This happen on XXXX and Fifth Third has not communicated anything to me as of yet, I keep going into the bank branch and they tell me I have to be patient with the process. I understand that but no communication from the bank in regards to even acknowledging the investigation is even happening. Feel free to reach out directly to me. Thank you! XXXX XXXX
Company Response:
State: IL
Zip: 60645
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/XXXX i noticed that i had a pending transaction from XXXX. I didnt order anything so i called XXXX and asked if anything was purchased for {$190.00} with my card. They said only one purchase was made for the amount of XXXX with the last four digits of my card number and it was from a visa, not a XXXX. I called XXXX bank to dispute the charges. I had also noticed an charge from something called XXXX for XXXX dollars. when i talked to the agent i told them about both. i was more concerned with the XXXX dollars. they told me that it looked like a monthly charge on the XXXX thing. I told them i didnt know where that came from. they submitted the claim. I called a week later to see what was going on because i never received any information. I was told that they noticed those charges for XXXXe go back to XXXX of XXXX and they were only going to credit my account for the first 90 days. I said that was crazy and i asked about the XXXX transaction. they told me it had just posted and that they were working on it. I said okay and hung up. A week later i called back because i noticed that i was given a provisional credit of XXXX and then it was rescinded the exact same day. Once again i didn't get an email, letter or call saying anything was resolved with my dispute. So after being on hold for an hour, hung up on, hold for another hour i talked to an agent that told me that said my XXXX claim was outside of the 90 days. I said it was XXXX different issues. i was told i should have caught the first fraud sooner so the next one didnt happen. How is this a solution? That same agent was completely rude and got mad at me for asking for a supervisor. and told me if i resubmitted the dispute nothing different would happen. Ive never had anything like this happen to me with any other bank. i literally told them that XXXX didnt have anything from me and they telling me i took too long to catch the fraud. i caught the XXXX fraud before it officially posted to my account. how am i on the hook for that? why wasn't i notified at any step in the process?
Company Response:
State: OH
Zip: 45805
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Escrow was raised this year in XXXX. It doubled my mortgage payment, in which I can not afford. I tried to get propetyy taxes roved from escrow due to the lender saying that is why it raised, in which they refused. I now see there has been a loan protection fee added to my escrow for over {$2000.00} so it raised because of that not property taxes and they refuse to remove it. I have had this loan for 15 years
Company Response:
State: IN
Zip: 476XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Due to a change in escrow, the monthly mortgage payment changed by {$10.00}. My bank wired the old payment amount, which was {$10.00} less than the new amount. The mortgage company ( 53 Bank ) held the funds unapplied and failed to properly contact me to advise about the unapplied funds and " missing '' monthly payment. By the time I found out about this issue, they reported my account 30-days late to the credit bureaus. This is not a " late '' payment but a misapplied payment. Also, they should have let me know about this misapplied payment prior to the 30 days. I've tried to explain the situation to their customer service and credit reporting departments and they've ignored my requests to correct this reporting.
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This past Sunday, XX/XX/22, I received an email alert notifying of a pending {$800.00} XXXX payment that was scheduled to be debited from my private bank checking account on Monday, XX/XX/22. Ive never used XXXX XXXX and do not know the recipient. As this was clearly a case of fraud, I promptly phoned XXXX customer service to alert them of the issue. The CSR dismissed it, as the transaction wasnt yet appearing in the account ledger. I emailed the investigation department at the CSRs behest, and provided a screenshot of the evidence. At this point, having performed all due diligence I could, I trusted the bank to protect my interests. However, when I checked my account the next morning while on my way into work, I discovered that that transaction had been allowed and that I was subsequently overdrawn {$220.00}. Two days later, the situation still hasnt been resolved and my account still has not been credited the {$800.00} which was stolen. The dispute department is dragging its feet, and my private bankers are indifferent to the situation. As of Thursday, XX/XX/22, XXXX is still letting my account languish with a negative balance without restoring the {$800.00} which was stolen from me due to their negligence and incompetence!
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A