Date Received: 2022-05-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I attempted to open a savings account with my local bank and they told me that I could not open an account. I asked them the reason and they told me that I had to contact Fifth Third Bank because it look like I had a debt that I had not paid. I then called the bank and they said that I had to pay a balance for an account I had with them a few years ago. Whenever I closed that account with Fifth Third Bank, I was never told I had any pending fees. I closed the account and I did not have any issues for years until now. I have had several accounts with different banks and nobody wants to open an account because Fifth Third bank sent my information somewhere and I can not get any account anywhere. They recently did this because I was able to open accounts until now.
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XX/XX/2022 I deposited a check in an account to try to not have to pay a fee in having to cash the check at the same bank that I bank at that charges a fee, or fees to process a check ; however, when I deposited the check online I now have to wait for the check to clear on XX/XX/2022. Because of trying to save money in cashing the check for a fee the bank has decided to hold my check for a week and a half causing my bills to be late. I have tried to speak to someone and someone stated on XX/XX/2022 that I should receive a letter, but now it is XX/XX/2022 and I have not received anything from the bank. The check was for {$360.00}
Company Response:
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I live in a senior community and i qualify for HUD. I received a letter from HUD on XXXX XXXX, 2022 that their company was cyber attacked and ALL my personal info was taken from HUD. I had 4 accts affected by who every stold my money because of HUD. I am trying to get my {$500.00} from 53rd bank for a unauthorised transaction. I have always checked my bank acct everyday to make sure no one has gotten into my accts. When the {$500.00} was pending for 3 days 53rd Bank stated they could not stop the pending {$500.00} transaction. I want my {$500.00} back from 53rd Bank. 53rd requested the letter from HUD which i did send to 53rd bank e-mail. Why do i have to wait so long to get my money back. I am still waiting for a new 53rd bank card. Was told can take 10 days to receive my new card. I can not pay my bills without that card. Thank you
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 5/3rd Bank XX/XX/2022 : I was successful in using XXXX to pay the monthly Mortgage payment XX/XX/2022 : A rogue payment was made to my mortgage not by me but from someone in the company. It was a successful payment as the money for my mortgage payment was in that account. XX/XX/2022 : XXXX attempted to charge me for a second payment and was declined. I was charged a {$37.00} fee for overdraft/return item fee. I had {$550.00} deposited into the account as usual from my paycheck. I call the customer service to dispute the rogue transfer and they told me it will be solved, autobillpayer has been fixed and to call back when it is no longer pending. XX/XX/2022 : XXXX " successfully '' took my mortgage payment leaving me- {$320.00} in my account when I need to pay bills. I called Customer service and they told me the second payment would not be reversed, and neither would the original {$37.00} Item return/ Overdraft fee.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I fell delinquent on my Fifth Third credit card ending in # XXXX in XX/XX/XXXX. I signed up for a hardship program with Fifth Third online to begin in XXXX and was approved to make $ 31 monthly payments for 6 months. I never received the agreement by mail or electronically and was never given specific details of the hardship. I was just advised through the online program that the service would start with an XXXX XXXX from Fifth Third from my XXXX checking account for 6 months. My first payment was XX/XX/XXXX. Each payment thereafter was made, XX/XX/XXXX, XX/XX/XXXX. For the XXXX payment, something went wrong, where the payment on Fifth Third 's side was returned. My XXXX checking account had funds to withdrawal the payment. I spoke with Fifth Third in XX/XX/XXXX and they could not identify why the payment was returned but i agreed to pay the delinquent amount of {$71.00} at the time. I was assured at that time, the payment agreement for {$31.00} would be taken out and expire in XX/XX/XXXX, last payment in XX/XX/XXXX. My payment was pulled XX/XX/XXXX and XX/XX/XXXX for {$31.00} on the agreed amount. I received a notification from XXXX stating that Fifth Third reported me delinquent for XX/XX/XXXX. To my shock, this is incorrect. I found that they reported me past due for {$4.00} when in fact, Fifth Third was pulling my {$31.00} amount and nothing was past due according to my phone call in XX/XX/XXXX. I am not disputing that i forgot to make my XXXX payment by myself, as the hardship was expired. I made a payment of {$36.00} on XX/XX/XXXX. Yet, i still was reported past due. My complaint is a multiple of complaints. # XXXX - I never received the hardship program agreement that I agreed to. Still to this day I have asked for a copy and have been told I should have already received it. I did not, yet they will not provide me with a copy of this said agreement. # XXXX I was reported past due for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, and according to the customer service department and my review, it was due to a {$40.00} late fee. I was never told I had a late fee and was never told that within this hardship I would still be reported past due. To my knowledge this hardship amount was to help me. According to customer service, the hardship was to help lower my payment but to also allow me to bring the past due current. I was never advised this ( again I have asked 2 times now for the original agreement I agreed to online and they will NOT provide me with a copy ) When I spoke with customer service on XX/XX/XXXX, the individual stated that I applied online, and if I applied with someone over the phone, I would have been told the specific details of the hardship. Why would I not be given the specific details of the hardship online? Why even offer the application online if the information is not being delivered accurately and truthful? This is totally a bait and switch tactic for individuals to apply for a hardship online and not give them full details of the program. That I had to speak with a live representative on the phone, who would have given me all of the specifics in and out. I dont think that is compliant and legal. # XXXX According to customer service, my hardship expired. I was also told it would expire in XXXX, therefore leaving me to pay my monthly payment back to the original amount. Yes, I forgot to pay this and again made a payment on my account on XX/XX/XXXX. Customer service confirmed today that I am not past due and have a payment due on XX/XX/XXXX. Yet, I am being reported past due according to XXXX in XX/XX/XXXX. Due to a past due amount of {$4.00}. How am I passed due when I was told in XX/XX/XXXX, I was current, and my payments of {$31.00} were made on time and accurate for XXXX and XX/XX/XXXX? Customer service said they did not receive payment for XX/XX/XXXX, when I see that they auto ACH debited my XXXX Checking account for {$31.00} on XX/XX/XXXX. Where and why did a {$4.00} amount come in effect if Fifth Third is pulling my funds up until XX/XX/XXXX? I believe I have been taken advantage of by Fifth Third and their Hardship program. I was never given the proper information and details of their program, and still havent been given the documentation to what I agreed on. I also believe I am being reported to the credit agencies incorrectly and unfairly. Not just the most recent reporting, but also reporting for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached a search from my XXXX checking account for ACH Debits. You can see the dates and amounts listed. XX/XX/XXXX - {$31.00} XX/XX/XXXX - {$31.00} XX/XX/XXXX - {$31.00} XX/XX/XXXX - {$71.00} XX/XX/XXXX - {$31.00} XX/XX/XXXX - {$31.00} I tried speaking with Customer service for a second time on XX/XX/XXXX and he suggested that I report inaccurate reporting to the credit agencies. He spent time researching the most recent discrepancy of {$4.00} passed due and still was unable to help. I will state, the second person has submitted a " research '' ticket but can not help me with the Hardship issues.
Company Response:
State: OH
Zip: 44221
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was shopping for a car but I wasnt sure yet. They ask for my social in order to test drive the car. I precisely say I dont my credit to be pull. I find out they did and the manager promised it will be removed ASAP. A year later ou its still there.
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage provider in 5/3 Third. The bank refuses to communicate any payment issues due to changes on the bank side in a timely manner. I think it is deliberate to drive payers into a situation where they end up with a late payment for a negligible variance amount allowing the bank to slam the payee credit score with a late payment reporting. I made my normal bill payment for XXXX to the bank over paying the mortgage amount. ( Mortgage payment XXXX, my bill payment sent XXXX ) I had not received an escrow adjustment notification in the mail alerting me that the payment would be changing in XXXX. For the life of my mortgage with 5/3 i have had routine issues with their website typically forcing me to call in a reset a couple of time a year and it is why I do XXXX XXXX from XXXX XXXX and not through the 5/3 account system. When I logged in at the end of XXXX to download my documents for my tax preparation I noticed that I had an unapplied credit for XXXX. I messaged with customer service and looked at the only account alerts which included the password resets. Looking through the documents i found the escrow annual escrow review with the new payment amount of XXXX. This resulted in a variance of XXXX. I made the variance payment online but the customer service rep informed me the XXXX payment would still count as late because the payment would not credit until the next business day XXXX. For the entire month of XXXX XXXX did not leave me a phone message, did not put an alert on my account, did not indicate there was a payment discrepancy on my account. Now they will stick a notice on my credit report of " not more than 2 payments behind '' which is a lie in itself because they will be including the XX/XX/XXXX payment in that credit reporting to do absolute maximum damage. They have also held the mortgage payment of XXXX unapplied allowing interest to accrue on the principle that could have been paid. My escrow is currently in credit balance. This late payment variance is for the increase in escrow to be applied to an escrow account that is not currently in the negative. 5/3 will claim they tried to call but their call attempts come from unknown numbers that are dead air when you answer. You literally have to keep a dead line open for 45-60 seconds before someone actually picks up. I think this is a shady way to ensure the customer they are trying to reach disconnects because they think it is a robocall. I went through this with them the last time they pulled this stunt. They claim they do not leave messages on voice mail for customers. Regular US Mail is usually delayed for me because I am working outside the US, again I had this discussion with them. If I do not get a voicemail message or email or have the information showing in the accounts I will not get it in a timely manner that allows me to respond. I would expect they would at a minimum keep up the online account with alerts and notifications if they actually wanted to ensure the customer was aware of changes to their account or payment issues.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I borrowed some money awhile ago. It is something you borrow until your next pay. It was sent for collection. I don't understand why when they could have gotten the money out of my account weekly like it is set up too come out from next Deposit. Allow me too pay it off. They said it was discharged in XXXX. I have been with them for almost 20 Years. If I owe the money they could have taken and had me garnished. I never said i would not pay it back, just skipped my mind. I had money in XXXX and XXXX and they never went after the money in 2 Years. So they knew my Tax Check was coming too my Savings because I do direct Deposit each Year. My Tax Check was Deposit XX/XX/XXXX. Not even 2 weeks in my Account they went and took 85 % of my Savings and put me in a Hardship because it hit without notice. They were laying and waiting for this chance. Which they could have warned it was coming out or took it 2-3 Years Ago. This is Unfair Practice too take that amount
Company Response:
State: IN
Zip: 47714
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My auto loan from Fifth Third Bank was opened on XX/XX/2022 and the first payment was due on XX/XX/2022. I made a payment from my external XXXX XXXX account on XX/XX/2022 and they reversed the transaction XXXX XXXX later on XX/XX/2022. They do not send a notification that the payment had been reversed. I called XXXX XXXX and they say they have no incoming request from Fifth Third Bank. The Fifth Third Bank website is incredibly buggy. It says you can add up to XXXX external accounts when after you've added one it will not let you add another. Many times the payment errors out and you're required to clear cookies on the browser for it to work again. I tried to make the payment over the phone and they tell me my account can no longer be used but they can never give me a reason for that. They just say it is blocked even though I've use the account to pay all my bills. During all this time, the interest on my account is accumulating. I've tried paying this loan from XXXX different accounts and they all have issues with Fifth Third Bank. I'm incredibly frustrated because XXXXXXXX XXXX says there is no issue with these accounts and they never have gotten any request from Fifth Third Bank for withdrawing money. It seems to be an issue with Fifth Third Bank. Many times the payment gets posted and then it's reversed a few days later all the while XXXX XXXX says they never received a request. Fifth Third Bank can not even give me an answer why it's happening. During this time, the interest on my principal is accruing daily and i'm still not able to pay through their website or over the phone.
Company Response:
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a HELOC with 5/3rd bank. I submitted all income and credit documents required and fully qualify. The underwriters then requested I increase my homeowners insurance dwelling coverage to match the first lien as well as the second. When I requested this from my insurance agent, XXXX XXXX, they advised that as per Fl law this was not required as a protection to the homeowner and that the property was insured for full replacement cost as per law. The Underwriter for 5/3rd has denied my loan because the insurance company will not raise the dwelling amount. I fully qualify for this loan based on income and credit, I have full insurance on the property as per Florida law. I can only assume that 5/3 is discriminating against me for an unknown reason.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A