Date Received: 2022-03-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: While reviewing my credit report I've noticed several accounts did not belong to me, Ive tried disputing, also sent in a police report stating these accounts were fraudulent, Ive reached out to the companies to no avail. My identity was stolen and used in a malicious manner. On XXXX XXXX XXXX stated I owed them {$720.00}, Ive contacted the company several times with no resolutionXXXX XXXX was placed on my credit report stated I owed them {$300.00} I contacted this company no resolution made. On XXXX Fifth Third Bank stated XXXX had an balance from a car I never purchased in the amount of {$47000.00} XXXX contacted the company and it was taken off one of my credit reports but not all three.On XXXX. On XXXX XXXX XXXX stated I owed them {$140.00} for account that I never opened I did contact the branch but no response.On XXXX XXXX XXXXXXXX stated I had an account with them in the amount of {$1100.00} which was also fraudulent tried to contact company and no one has returned my call to discuss this matter. XX/XX/XXXX XXXX which is affiliated with Fifth Third also placed an account on my credit which I contacted this company and sent my police report just all the other companies and they have yet to remove the account from all three of my credit reports.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I had a loan by line of credit loan from 5th third bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX against my condominium. I paid loan in XX/XX/2021. But I did not get statement of interest paid from Bank yet ..my address changed and letter if mailed was not forwarded to new address. I called company the above Bank XXXX XXXX XXXX two times last 15days, Bank promised to send but did not do at my new address ..... please help thanks XXXX XXXX.
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been contacted by phone by XXXX XXXX XXXX XXXXXXXX indicating they are a courier notifying me of a debt from overdraft fees they state I owe Fifth Third Bank and threatening legal action. I have repeatedly told them I have not held an account with Fifth Third Bank in XXXX years. They stated my account was never closed and that I needed to prove that it was which is to say ridiculous given the amount of time that has past. I have had no correspondence from XXXX XXXX regarding this either. These individuals contacting me had my personal cell phone number which I did not have at the time of the acct those years ago and they had my social security number. I don't know if this is a scam or improper debt collection but I can not possibly be held liable for debt from XXXX years ago that I didn't even know I had. I live in NC. I have filed a complaint with the NC DOJ consumer protection unit but these individuals are calling from out of state. The numbers that they are calling from are XXXX and XXXX. When I asked for proof of debt they sent me emails from docusign. I'm not uploading or signing anything from them. I have requested they cease and desist contacting me regarding this.
Company Response:
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I elected to have my IRS refund direct deposited into an account I have with XXXX XXXX which is run by XXXX although the bank itself is Fifth Third ( got that?! ). I have had this account since late XXXX XXXX of XXXX. I primarily use it to get my paychecks from work deposited there but have also used it to get my tax refunds in XXXX, XXXX and XXXX as well as the three stimulus checks last year. All of these were from the IRS and all of them were also several thousand dollars. My refund according to the IRS was to be deposited on XX/XX/XXXX. However, on or about XX/XX/XXXX, my wife got a phone call from XXXX saying that the refund amount that we were expecting is somewhat less than what they were showing. My wife and I had no idea why there would be any discrepancy from what we could see on the IRS transcripts and told them that. Then, on XX/XX/XXXX or XXXX, XXXX called me on my way to work and said that I had to tell them the exact amount of the refund and why it was different than what my tax return showed. I told them I was driving and had no way to access any information at this time. I directed them to deposit my money into my account, but they said that if I couldn't tell them the exact amount that they were sending my refund back to the IRS immediately. I told them that this made absolutely no sense since the check amount was LESS than what I was expecting, so there was no risk of loss on their end. After thinking about it at work ( I work the night shift ) I realized that probably the USDA took out the past due balance on our mortgage since we were a little behind although at that time, I had no verification of this. I called my wife and asked her to call the agent back that she had talked to earlier, hoping that she hadn't left for the day. My wife was unable to reach her and left a message which was not returned. I also sent an email explaining that I believed that some of the refund was withheld by USDA, but again, no response from XXXX/Fifth Third. Finally on Monday, XX/XX/XXXX I got a notice in the mail that the USDA did indeed " intercept '' a portion of tax refund, however by this time, XXXX had presumably already sent my money back to the IRS ( I hope! ) since it wasn't deposited into my bank account. It has now been nearly three weeks and we still don't have our tax refund. It is for a large amount of money and for some reason XXXX thinks that makes it OK to not deposit the check into my account. This seems to be a violation of Section 910 ) a ) ( 1 ) of the Consumer Protection Act which can be found here : XXXX XXXX XXXX We have incurred insurmountable damages by having to put off so many things that we had planned to take care of ; home repairs ( fridge, we lost a ton of food already, AC unit , water valve on side of house ) fix both of my vans so that I could get better gas mileage which is extremely important with the price of gas nearly {$4.00} a gallon and my one-way commute to work is over 30 miles, get our belongings out of storage in XXXX ( we live in XXXX now ), pay off debt, kids all need clothes, pay mortgage, etc, etc. We would like to file a lawsuit because this is unfair that a bank would choose not to deposit a check with my name into my bank account from an indisputably verified source, the IRS. Please help!
Company Response:
State: KY
Zip: 426XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX, 2022 - A deposit was made to our Fifth Third checking account after XXXX and amount was debited the amount from an account with another bank that evening. At the deposit was made, we were not provided any notice from Fifth Third that the funds would be made available for 10 business days. Being a small business, we have limited funds and Fifth Third place us in bind by sitting on our funds for nearly two weeks. The only response they provided was that it is their policy, which was not disclosed at the time the deposit was made. Account disclosures were requested but not provided. XXXX XXXX, 2022 - An attempt was made to wire money to our Fifth Third checking account from an account with XXXX XXXX XXXX All of the information provided by XXXX XXXX XXXX indicated that the wire was remitted and rejected by Fifth Third. Since these funds needed 1-2 days to clear back to the XXXX XXXX XXXXXXXX account and Fifth Third was holding the XXXX XXXX deposit, our small business was forced to suspend payroll and delay vendor payments. Fifth Third indicated it had no record of the wire being rejected. We made three attempts to get clarity from Fifth Third and provided no information. XXXX XXXX, 2022 - We made another deposit to our Fifth Third checking account in order to pay employees and vendors. Once again, Fifth Third would not release the funds for 10 business days despite immediately debiting the other account that very same day. Unfortunately, we found this was more efficient than transitioning banks. XXXX XXXX, 2022 - In response to a phone call from the Fifth Third complaint department, an email was sent to this representative detailing the matters above and additional issues that arose including excessive service charges with no details on the basis of these amounts and no response from our relationship manager. XX/XX/2022- Fifth Third had not provided any response and another email was sent in an attempt to garner some update. As it stands, these experiences have consumed numerous hours, resulted in employees having to make arrangement to delay bill payments, cost us various fees and been an emotional burden. Through this all, Fifth Third has done nothing to rectify these matters.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello, I recently received a letter stating my Fifth Third bank account is being permanently closed after someone stole an excess of {$800.00} from me. For reference, I sold a game system, and someone off of a local marketplace offered to pay above the listing price for {$1000.00}. Turns out, the Money Order was fraudulent, and my bank account is negative more than {$400000.00}. I messaged Fifth Third through the app once I was made aware of the negative balance, and was then locked out of my account. After waiting until XXXX, I called and was informed I would not be liable for the large negative amount in my checking and savings, and that by a XXXX representative my bank account relationship will not be closed. So my question is this, what time of miscommunication XXXX is going on? I'm XXXX, a XXXX XXXX, and I'm raising a XXXX XXXX-year-old. I truly, truly do not have time for your XXXX. Furthermore, I received a letter stating that I owe Fifth Third around {$15.00} for a fraudulent deposit, which I was a victim of and lost considerably more money than a company that has billions under management. Could you explain this to me where it can make sense? Also, pursuant to XXXX if you at all, furnish anything negative on my consumer credit report. I will take you to court. I understand mistakes happen but fix it.
Company Response:
State: OH
Zip: 45440
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I WAS APPROVE FOR XXXX LOAN FOR XXXX XXXX XXXX XXXX XXXX WHERE I HAD TO SIGN XXXX TO PROVE MY INCOME WHERE I WAS APROVE FOR XXXX. I HAVE A BUSINESS AND BILL NEED TO BE PAID SO I WAS PAYING MY BILLS AND MY ACCOUNT WAS FROZE. I CALL FIFTH THIRD BANK WHO I BANK AND ASK WHAT GOING ON I WAS TOLD TO BRING TAX DOCUMENT TO PROVE XXXX XXXX XXXX SO I DID ONCE I TALK TO XXXX XXXX I WAS TOLD I NEED TO FILL OUT ANOTHER XXXX WITH FIFTH THIRD BANK TO PROVE MY TAXES AND THEY ALSO ASK TO PULL MY MY REGULAR XXXX TAXES. I NEVER HEARD OF THIS CAN THEY DO THIS BUT I ALSO TALK TO XXXX XXXX WHERE HE SO UNPROFESSIONAL AND ASKING ME ALL MY PERSONAL BUSINESS ABOUT MY OTHER BUSSINESS WHERE HE HAD TO LOOK IN MY PUBLIC RECORDS. XXXX XXXX WAS VERY RUDE AND XXXX AND I EVEN HAVE HIS CELL PHONE NUMBER THIS IS BUSINESS AND EVERYTHING SHOULD HAVE BEEN RECORDED. DO FIFTH THIRD BANK RED FLAG ALL XXXX LOAN AND FREEZE THERE ACOUNT THIS NOT FAIR.
Company Response:
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a call this morning that I had a debt owed to Fifth Third Bank in the amount of {$940.00}. I closed my account in XXXX. Apparently my debit card was used for {$560.00} after the bank account was closed. I think someone committed fraud on my bank account as it was not me. Fast forward to today they called me at XXXX am and said I had till XXXX pm today to settle the debt or it would be escalated to the attorneys for civil litigation and restitution. I went to the bank and the manager said they had no record of me owing them anything. I called the collection company back and asked for proof and they would not provide any other than a letter stating I owed the debt. I was not provided any chance to dispute the debt. Also they stated the debt was turned over for collections in XXXX ( 6 years after I closed my account ) and was still within the statute of limitations as it was within 10 years of the write off. How can they come after me for supposed money I owe them 13 years after I closed my bank account? They stated if I wanted to dispute it I would need to hire an attorney and then I would be charged attorney fees on top of what I already owed them and they would be escalating it by the end if the day. The collection company was XXXX XXXX XXXX out of XXXX Delaware. I had never heard of the 13 year old debt before today and was given XXXX hours to decide if I wanted to pay it or would be taken to court. Is this fair? I feel like it is not. Please any help understanding this would help.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Fifth Third Bank is in possession of my loan ending in XXXX. I have not received calls on the delinquency ( the Bank stated they called on XX/XX/XXXX but no voicemail was left ) and have not received an email from this company since XX/XX/XXXX. I tried logging onto my online account to make a payment yesterday evening and this morning and couldn't log in. When I tried to call the bank this morning they were still closed and my account information wouldn't be accepted to make a payment. Shortly after trying to make a payment this morning my car was repossessed. I am only two payments past due ( 63 days ) and the last notification I received in the mail was XX/XX/XXXX, which did not state anything about the repossession of my vehicle if I didn't make a payment. When I called the bank for assistance this morning, letting them know I could make two payments today, and another next week, they refused to take the payment. They stated I must pay {$770.00} by certified funds in order to get the car back within 10 days. When I inquired about hardship assistance due to my partner being out of work due to XXXX, just having a child, and I was out of work due to an XXXX, they stated unfortunately I have to be current and made consistent payments for 90 days to even get assistance. This makes no sense and seems predatory when I am literally telling the bank we are experiencing a hardship. When I asked to speak with a manager this morning I was told they were having " computer '' problems and that I could leave a message. I would like this banks predatory and deceptive collection practices investigated. I would also like to point out that at no time was I informed on my billing statement or over the phone that Fifth Third is attempting to collect a debt ( aka they didn't provide the collection mini miranda ).
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A