Date Received: 2022-03-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The bank rearranges my account balances reflecting in less money than what I calculated at the time am I spending. When fees are dropped from my account for example like returns, they are not reflected in my account but supposedly my money was refunded. That lack of reflection in my account and the rearranging of transactions lead me to believe that I had overspent and bank has charged me an overdraft fee. Then things later I still have an overdraft fee but my account has finished pending and I have money in my account but Im not able to dispute that overdraft fee. The bank is stealing money from people who live paycheck to paycheck like the majority of Americans. Leading the majority to believe that they have to pay these overdraft fees because of the banks systems through the online banking account access.
Company Response:
State: IL
Zip: 60035
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Fifth third bank reported my fifth third secured credit card balance inaccurately yesterday XX/XX/15 dropping my score over 30 points and a week before that re- reporting a late payment from two years ago dropping my score another XXXX points when I have made on time payments for more than six months on my credit card ending in XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX soc security XXXX
Company Response:
State: MI
Zip: 49509
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: After an Incoming Wire Transfer, Fifth Third Bank puts a 10-Day hold on the Funds in some parts of their System. All Wire Funds are supposed to be available within 24-Hours per " Regulation E '' and this is not the case across the Fifth Third Banking System. The consumer has to call the Bank and initiate a Manual Intervention. In some cases, this may allow the Bank to charge unnecessary Interest Charges to the Customer. Also, if a Curtailment Payment to a Loan is made on a Saturday in their Internet Banking System, Fifth Third waits until the next Business Day to record the transaction. This costs the Consumer 2 more days of Interest Charge. With 24-Hour Internet Banking, Fifth Third should be looking at Transaction Dates. Instead, Fifth Third forces its System to use the next Business Day. Credit Card Companies use Transaction Dates and so should Fifth Third. Not using the actual Transaction Date allows the bank to steal monies from Consumers. The Fifth Third System and Procedures are outdated. I also get the sense parts of the Fif Third System is just lazy and they don't think through policies and are slow to update them.
Company Response:
State: IN
Zip: 46037
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX between hours of XXXX. I contacted creditors and credit bureaus. Inquiries on my credit report were made without my consent.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: This is a refile... had wrong bank first time Please help me. I have been trying to resolve a fraudulent transaction on my XXXX account by XXXX. My payroll check is deposited on the XXXX card. The day of payroll my account had a transaction of {$700.00} fraudulently. Date of transaction : XX/XX/XXXX Amount : {$700.00} Description : account ending XXXX Here is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Card number : XXXX XXXX XXXX XXXX Made several calls to XXXX to report the issue. They have extremely long hold times in excessive of 1 hour to get a representative and then honestly there is a language barrier. Their representatives seems to have trouble with english. I reported the dispute immediately to XXXX. They wrote me a letter denying the claim. They will only correspond on the matter via regular mail. I have written a letter back. I don't believe XXXX has the problem properly documented or failed to do a proper investigation. The money was fraudulently taken from me. And I have bills to pay like anyone else. The XXXX card is making it impossibly difficult to get my money back on this fraud. They carry a XXXX logo on the card and would expect a higher standard associated with XXXX. These cards are supposed to help protect you from transactions as such. I am reporting this matter to government officials in a hope someone can help me get my money back. Please help. I d prefer that XXXX card mail me a check for the amount to my address on file as I am no longer using their institution due to this matter. Thank you XXXX XXXX
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I miss a call from the phone number ( XXXX ) XXXX, and received a voice mail suggesting they had been attempting to send me correspondence, but that I had not responded. I have no received any correspondence from this company at my current or previous address ( that would have been forwarded to me ). It suggest I was past a " compliance period '' and that if I didn't respond they would escalate the matter without including a statement from me. Upon receiving the voicemail, I immediately called back, as this felt like a threat that I should be concerned about. Upon calling, I was transferred to a case manager who insisted I owed $ XXXX to Fifth Third Bank, who I have had not done business with or owed a debt to in over a decade. Any debts owed were discharged or paid in full. I have paperwork from Fifth Third that confirms this. The organization stated they were " XXXX, XXXX and XXXX, '' though the number they called for did not yield favorable search results, and appeared on my called ID as " Scam Likely. '' I informed the case manager that this felt like a recurring scam that happens every 12 - 18 months, where another debt collection agency calls me about owing Fifth Third bank. Over the past decade, I have learned that this is a " Ghost Debt '' collection scam, where they hope I make a small " Good Faith '' payment, which they always say will prevent them from having to take legal action, but in reality would then actually revive the debt in full, making me responsible for paying it. The case manager became irate, and told me that I could either cooperate or that he could call me employer. He also insinuated that I could get sued for not paying. After a less then XXXX minute conversation, he abruptly ended the call. I tried to reach back out, but was connect to a different case manager who was even less helpful and more rude. This person also disconnected abruptly after less than XXXX minutes. I tried to reach back out SEVERAL times, but each time the call was either immediately disconnected or put on an never-ending hold. I admit than on a few occasions, I disconnected the call because I thought they had disconnected the call already, but I was on hold. Because I felt like I was threated, it only made sense that I try to resolve the situation immediately. It became clear that they would no longer even attempt to help me resolve the situation, so I called repeatedly. As a XXXX and XXXX individual, it feels most appropriate to resolve any perceived threats immediately. On the majority of the calls, I tried asking for a fax number or mailing address so I could furnish proof, but they refused to provide any contact information. On several calls, the receptionist would pick up and say " please stop harassing our firm. '' I explained that I was only trying to resolve a matter that included a perceived threat, but the call was always abruptly disconnected. I attempted to contact this organization to resolve this matter over nearly 100 times, and the vast majority of those calls ended abruptly after a receptionist hung up the phone. I asked for me phone number to be remove from their system, but they stated " Why would we do that? '' When I attempted to reach out from other numbers ( hoping to get through to someone who could resolve the matter ), the number was blocked. I have attached copies of XXXX letters from Fifth Third Bank stating that now debt was owed. Each time this collection was attempted from different companies : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: back in late XXXX early XXXX i made some online purchases with a company called XXXX and as i received the packages and opened them several were not what i expected including a few having defects so just as it says on the back of the receipt i repackaged them sent them back with the corresponding reasons and why i had shipped back 1 package with 4 watches in it on XXXX XXXX then i also had refused delivery on 3 other packages as well and just gave those back to the USPS although i didnt have any of those 3 receipts i did take pictures of the packages to prove i did not except delivery now after i had returned those 3 packages i had received several more packages unfortunately i wasnt home to refuse delivery on those packages in total i kept 6 watches and returned the rest i returned a total of 13 watches having only gotten a partial payment on 4 of the 13 i have all my receipts including the USPS receipts stating that they had received the packages now i had been dealing with these folks off and on for 5 maybe 6 months and frustrated i contacted my bank to see what my options were as far as retreiving my money on XX/XX/XXXX the gentleman said give us a week and your money will be returnedthen couple days later i got a call from the XXXX corporate office accusing me of doing fraudaulent business when i have had these account just over 2 years and the only money i had coming in was my SSI in the amount of {$880.00} not sure what kind of fraudaulent business i could with that little of money but i guess anything is possible if XXXX wants me to go elsewhere thats fine but i should get at least 1 of 2 options 1 is all my money back from XXXX or all the merchandise and theres even a 3rd option give me back both cause quite honestly if XXXX had beeen paying attention who orders 17 watches and on top of all this due to the fact that someof the dates dont add up as to when they got paid versus paying someone back my account went negative over {$1600.00} which meant for 2 months i had no SSI no foodstamps NOT A XXXX THING and i still have XXXX kids XXXX of which have made me a grandpa also im well aware XXXX is accusing me of owing them over 400 some odd dollars which isnt true i owe them 1 payment in the amount of XXXX for a grand diver i made payment arrangements on and if they had not tried to cheat me out of over {$9000.00} XXXX wouldnt have canceled my card in XXXX of XXXX card ending XXXX once they pay me for everything i have coming i have no problem paying my debt with them should anybody have any questions they contact me via cell XXXX i have all receipts and USPS receipts as well
Company Response:
State: OH
Zip: 43231
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I submitted a fraudulent claim in regard to a transfer and withdrawal of funds from my bank account to another bank account in the sum of {$2000.00}. This was clearly a hacked account situation and was reported. They sent me a letter which I received today XX/XX/2022 stating there was no error and no credits will be issued. This is wrong and I need to get the money stolen from my account back.
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I keep receiving text messages from random numbers saying my bank account has been temporarily blocked from 5/3 bank. I dont bank with 5/3 bank. They spell it fifth/third or theyll spell it 5/3.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third Bank is my mortgage provider. Fifth Third Bank locked me out of my bank account by disallowing my email ( XXXX ) after 1.5 years of having this email. Unbeknownst to me, a hyphen was no longer accepted. When I realized that I could no longer access my online banking I went into Fifth Third Bank to make a mortgage payment and deposit money into my account. Fifth Third failed to apply my payment towards my mortgage and deposited the payment into my checking. The account balance was not adequate prior to my deposit to cover the mortgage. I also have optional overdraft coverage enabled which failed to cover the mortgage charge even though Fifth Third states that bill pay is covered by the overdraft coverage feature. I discovered that Fifth Third Bank reported to the credit bureau that have been past due on my mortgage twice and went to speak with my local branch manager. She stated that if I applied a payment with the late fee that it would not post as past due on my following monthly report. The branch manager made the payment in her office on my behalf only to discover that it was still reported as past due. I have been current every month following this misapplied payment. With many failed attempts trying to work with Fifth Third Bank to revise this I am formally submitting this complaint and will further escalate this to legal action if not revised.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A