Date Received: 2022-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022 I was contacted by this company informing me I had a debt from Fifth Third Bank in the amount of {$920.00}. The collector immediately started threatening to file in court if I did not immediately settle the debt. I do not believe this debt is valid and the company is not allowing any opportunity to dispute the debt. The only information they are willing to provide is an account number they claim is a fifth third account. However upon contacting Fifth Third, on XX/XX/2022 I found this number is not a valid account number with Fifth Third. I also received a letter today again stating that this debt would be filed in court. Upon calling the company I was told they dont have to provide any validation of the debt and if it wasnt paid immediately it would be filed in court. I have attached a copy of the letter received for information. I did have an account with Fifth Third many years ago, but if there was any outstanding balance on it, it would have been included and discharged in bankruptcy approximately 10 years ago.
Company Response:
State: OH
Zip: 43701
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was scammed through XXXX XXXX on XX/XX/XXXX. A person claimed to send me money for an item through XXXX ( {$300.00} ). I then got a fake email from XXXX saying to receive this amount I must upgrade to a business account by having the customer send XXXX {$200.00} and then I send it back. Never using XXXX before I sent the {$200.00} back to the fake account and received no credit. I received no goods or services I was simply scammed by fake accounts. My bank denied the dispute that I opened after sending emails and messages to them regarding this transaction.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My wife and I attempted to close our bank account on XX/XX/XXXX. Due to an error, my direct deposit still posted to this bank on XX/XX/XXXX. Instead of rejecting this deposit, the deposit was accepted anyways. After accepting the deposit, the bank paid many different charges instead of showing the account as closed and rejecting the charges ( we were working with these vendors to update payment methods ), resulting in a large loss of funds immediately available funds to us.
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I had an account in 2010 with fifth third bank. In Now over 10 years began receiving harassing calls from company XXXX stating they just received collection account and submitting lawsuit against me for over {$3000.00}. I was in the XXXX XXXX XXXX XXXX, asked them to stop contacting me as I have never heard of them. They began calling my relatives 3 and 4 times a day, continued contacting me from different numbers. When I asked what the matter was, rep said it was from 2010 account with fifth third bank. I have never received correspondence from anyone stating I owed money. Contacted the branch, they stating they can not do anything as the account is so old they no longer have record of. The account was closed in XX/XX/2010. My credit has never been reported by any company claiming I owed the debt. Again the account was closed. I recall being a class action for the bank at one point as well. They continue to call from XXXX or XXXX area codes or toll free. No prior notice has ever been received previously. As stated above, account was closed over 10 years ago!
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2022 I sent Fifth Third Bank , National Association via certified mail a " Notice of Dispute and Conditional Acceptance Upon Proof of Claim '', delivered XX/XX/2022 at XXXX. In my letter I stated, it has come to my attention that there may not have been a true qualified meeting of the minds, that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract. I agreed to continue making payments on the condition full disclosure is provided by : 1. Presenting the language used in the documents, 2. Presenting the dictionary used in the documents, 3. Presenting the system of grammar used in the documents, 4. Presenting a legend to comprehend the symbols used in the documents, 5. Presenting definitions of the words marked in red ink on the documents, attached as Exhibit A-C, 6. Presenting all records and the general ledger statement of the referenced account, presenting the full accounting of the alleged obligation, verified ( sworn true, correct and complete ) by the party who made the entries, 7. Presenting duplicate copies of all statements for the referenced account, 8. Presenting a duplicate copy of Notice of Debt for the referenced account, and 9. Presenting a competent clarification, per the attached Proof of Claim that I have any lawful obligation to repay this alleged debt for the referenced account. I instructed Fifth Third Bank , National Association to cease collection and reporting of the alleged debt while efforts are made to obtain Proof of Claim. I also instructed Fifth Third Bank , National Association to cease all communication with me or any third party after the verifiable receipt of said notice unless they were providing procedurally proper validation of the debt or a consultation fee would apply. Since XX/XX/2022, the recorded delivery of the notice, Fifth Third Bank , National Association has called, email, text, and sent detrimental information to major credit reporting agencies against my instruction, without my consent, and without providing proper validation. My experience with Fifth Third Bank , National Association has been abusive as I believe they entered into the contract without clean hand and have yet to prove their claim while destroying my livelihood and reputation. The constant harassment via phone call, email, and text, paired with the detrimental information on my consumer report provided by Fifth Third Bank , National Association without my consent or written instruction has caused injury to my person and household. The scheme of fraud Fifth Third Bank , National Association is using by threatening, intimidating, deceiving, and enticing to coerce natural living people to commit an act creating a legal disability where none exists is appalling and unlawful.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Problem adding money
Subissue:
Consumer Complaint: At XXXX XX/XX/2022 on bank : fifth third bank, N.A. ( XXXX ) Routing number : XXXX Account number : XXXX Tranfer money {$790.00} to XXXX XXXX XXXX Account number : XXXX Routing number : XXXX Still passing thOse days and no refunded my money to the same account of ( XXXX ) I call to XXXX supper every day contact them to find results to refund my money. I call XXXX XXXX XXXX and there cant give me information of that account but is not my person all account XXXX XXXX XXXX say call wisely support to give refund the money.
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I've maintained a checking account with Fifth Third Bank for the last couple of years. I recently moved from XXXX XXXX XXXX XXXX, and have used my account less frequently. I contacted the bank to update my address in XXXX of XXXX. Shortly thereafter, with no notice, the bank began charging me a " Dormant Account Fee '' of {$5.00} per month. I did not receive any written or electronic notice from the company until XXXX of XXXX. It now appears that they have taken {$50.00} from my account, which represents 10 % of the total amount of money in the account, and the equivalent of a 30 % APR. This " Dormant Account Fee '' was not disclosed in any clear or conspicuous way when I opened the account. Worse, I was not notified prior to the account being considered " Dormant. '' Additionally, I was in contact with the bank about my account in XXXX of XXXX. I was told by their customer service representative that accounts are only considered " Dormant '' if there has not been activity for 12 months, which clearly there was in XXXX of XXXX. Fifth Third Bank refused to refund these fraudulent and abusive fees and threatens to continue to charge them.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/21, a XXXX transaction for {$1000.00} was initiated from my Fifth Third checking account to a person whom I don't know. I have been attempting to dispute this for 14 months with no resolution. XXXX blames the bank, and even after filing police reports, fraud affidavits, contacting XXXX, and even requesting that they provide me with documents supporting their decision that the transaction was not fraud, they will not reimburse my money unless my wireless carrier ( XXXX ) provides a written letter stating that either my phone or computer was " hijacked. '' After speaking to a dozen people at XXXX, they agreed to verbally tell Fifth Third ( via conference call w/ XXXX & myself ). We spoke to both the Office of the President at the bank, and the disputes dept and they are saying this isn't sufficient and they need a letter. It's XXXX 's " policy '' to not write letters like this. I don't know what else to do and they are just treating me like I'm trying to get {$1000.00} from them. I have been a Fifth Third customer for OVER 20 years! They have no evidence or documents supporting their decision, and I have sent countless documents supporting my claim.
Company Response:
State: FL
Zip: 33904
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear Sir or Madam : I, XXXX XXXX XXXX ( the Complainant ) had knowingly, willfully, and lawfully accessed my online XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit file account dated on XX/XX/XXXX, at approximately XXXX and XX/XX/XXXX at approximately XXXX because I had received an emailed alert message. In which, XXXX had indicated into my XXXX XXXX XXXX XXXX XXXX ( XXXX ) score XXXX had suddenly decreased from XXXX to XXXX points from using the XXXX score XXXX calculated formula dated on or about XX/XX/XXXX. After, Fifth Third Bank, who is my Banking institution had officially reported to XXXX, my timely purchased and paid transactional activity stated into my Fifth Third Banks Secure Credit Card account number ending in XXXX on or about XX/XX/XXXX, as shown onto my Fifth Third Banks Secure Credit Card statement dated from XX/XX/XXXX, to XX/XX/XXXX. See Exhibit A. So, my question to XXXX team is how can this be conceivable or possible for my online XXXX score XXXX to decrease from XXXX to XXXX points or drop XXXX points when I am exactly at the 10.39 % which should have been rounded to 10 % of the required threshold from my Fifth Third Bank calculated and reported transactional purchase of {$31.00} divided by {$300.00} dated on XX/XX/XXXX? In addition, I had noticed into my online XXXX credit file account an assailant/identity thieve who had subscribed by a fictitious name [ s ] had knowingly, willfully, deliberately, and unlawfully accessed my online XXXX credit file account dated on XX/XX/XXXX, and XX/XX/XXXX, by means of running a soft inquires to which, I had not authorized any person nor was I in my online XXXX credit file account on those days stated herein. Once I had accessed my online XXXX credit file account than an online XXXX soft report is automatically generated within my online XXXX credit file account except when I am lock out of the automatically generated soft inquiries online XXXX credit reports because of an assailant/identity thieve who had subscribed by a fictitious name [ s ] had intentionally blocked me from generating my own online XXXX credit report in the month of XX/XX/XXXX. After, the assailant/identity thieve who had subscribed by a fictitious name [ s ] had somehow, and unlawfully accessed my online XXXX credit file account dated on XX/XX/XXXX, and XX/XX/XXXX without my lawful authorities. And, almost immediately after, I had lawfully changed my username and password dated on XX/XX/XXXX, at approximately XXXX and XX/XX/XXXX, at approximately XXXX, and I am automatically locked out of generating my own online XXXX soft inquiries credit file reports without my lawful authorities. See Exhibit B. And, I did not have any other online XXXX credit file account activities except for my Fifth Third Banks Secure Credit Card account number ending in XXXX for my online purchased and transactional activities since XX/XX/XXXX. As a result, I am experiencing identity thefts problems ; after, the assailant/identity thieve who had subscribed by a fictitious name [ s ] had knowingly, willfully, and unlawfully gained unauthorized accesses to my online XXXX credit file account than the assailant/identity thieve had made copied and/or distributed my online XXXX credit reports dated XX/XX/XXXX, and XX/XX/XXXX. In order to directly hand into any banking and/or educational institutions, vehicle dealerships, payday loans companies, employers, employment and/or rental agencies my unauthorized online XXXX credit reports soft inquiries without those banking and educational institutions, vehicle dealerships, payday loans companies, employers, employment and/or rental agencies processing my legitimate authorized XXXXXXXX XXXX credit reports by ways of XXXX XXXX compliance procedures in accordance XXXX the Fair Credit Reporting Act ( FCRA ). Nor have I notarized instruments by ways of those collections of a [ n ] Powers of Attorney, Affidavits or Waived Rights documents to those assailant/identity thieve who had subscribed by a fictitious name [ s ]. And, those assailant/identity thieve who had subscribed by a fictitious name [ s ] had executed those notarized instrument [ s ] or waived rights document [ s ] without my : authorizations, consents, acknowledgements, and knowingly and willfully participation into a said forged or fraudulent notarized instrument [ s ] or waived rights document [ s ] conspiracies pursuant to the Title 18 U.S.C. 1028. Nor have I been legally married to any person and my familial status is still a single person. Also, I had noticed, I could not retrieve my XXXX online annual free credit report from the XXXX dated on XX/XX/XXXX, and I had received an error message is as follows : Were sorry, a condition exists that prevents XXXX from being able to accept your request at this time. See Exhibit C. What exactly are those condition that exists for which prevent me from accessing my own free online XXXX free credit report from XXXX web application account? I had already sent photographs of my identification documents by ways of XXXX upload in order to access my free online XXXX XXXX web application account dated on XX/XX/XXXX. Respectfully Submitted, XXXX XXXX XXXX
Company Response:
State: ND
Zip: 58103
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/2022 I applied for a refinancing of my home in person at 5th 3rd bank. On XX/XX/XXXX, I had all documents requested in to the contact person at the bank. Since that date they have requested multiple documents including sending me to the local county recorder to record documents costing almost {$60.00}. My complaint is less about paying this fee but more about still no closing date. Through the attorney general office complaint I sent, I was contacted by this companies " presidents office '' to try to find out what is holding up closing. That was XXXX weeks ago. Today is XX/XX/2022 and I still have no information as to when closing will be. Since they have not processed this refi timely, they had to request my monthly income for the XXXX time and now are running my credit yet again since the timeframe has passed. No one can tell me why this is taking so long. My credit is excellent. It is not that I don't qualify. I've bought several homes and done several refi 's and never experienced this blatant incompetence. The decision to refi was due to the fact that interest rates would start rising. On XX/XX/2022 I asked that it be locked in. I can't even get an answer from them that it is locked in. Even the presidents office ( XXXX Ohio ) can't seem to move this along. I was promise no longer than 90 days. Per them usually 60days for what they call an " XXXX XXXX ''. Its now 120 days. It seems they are not motivated to do anything. I received multiple mass mailings and emails from this bank advertising a refi special for existing mortgage holders of only {$290.00} in closing costs. The truth in lending form indicates over a XXXX in closing costs. Between the " loan XXXX '' who communicates through email and the brick and mortar representatives, it is becoming clear something is seriously wrong with this companies " retail refi process ''. I can't start over with someone else because the interest rate now would be higher than the one I have now. I feel very abused in this situation. Can you help me?
Company Response:
State: FL
Zip: 33904
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A