Date Received: 2022-01-29
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I bank with Fifth Third Bank. Approximately six replacement debit cards were issued the past year due to unauthorized charges to my checking account. XX/XX/2021, my account was closed and another account ( different account number ) was opened. Fraudulent charges are presently reoccurring. Today XXXX, I received a call from XXXX XXXX a fraudulent charge on XXXX. Fifth Third has again deactivated the debit card, sending a new one. Today a credit freeze request was requested to XXXX, XXXX, and XXXX.
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX @ XXXX Deposit check amount {$5000.00} XXXX # XXXX Emergency rental assistance check processed. XXXX XXXX XXXX did phone verification along with XXXX XXXX and noted my account. I was told funds would be available today. available today. Today XXXX at XXXX pm, they printed a piece of paper saying they're holding my check until XXXX. There is an automatic transfer of {$120.00} they are authorizing without my permission.
Company Response:
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My wallet was lost around XX/XX/XXXX In XXXX Tx, my XXXX card was used on XX/XX/2021 for {$210.00}, my XXXX XXXX card was used for {$160.00} and {$360.00} was used from my checking account with fifth third bank. I have disputed all charges with all three consumers however XXXX and fifth third bank rejected my disputes due to my cards being used. I tried explaining yes my cards were used because my wallet was found and whoever found it used the cards. Im unsure as to how they used my credit cards without an ID to match the card and the pin to use my debit cards however thats {$740.00} taken from me and Id like all the assistance I can get to get my money back.
Company Response:
State: IN
Zip: 46220
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am a first time home buyer and this process is new to me. I applied for a pre-approval in XX/XX/2021 and I was approved by XXXX XXXX from Fifth Third Bank. I finally found the perfect home and we put in an offer on XX/XX/2021 and offer was accepted. Contract was signed on XX/XX/2021 and closing date was scheduled for XX/XX/2021. The appraisal for the home was not done until XX/XX/2021. He found something wrong with my checks 2 days before closing and I had to scramble and had 48 hours before the closing date to get a letter for garnishment that shouldnt have happened on my check that the account was closed. The appraisal took 2 weeks and the sellers were wanting to work with me but because it was passed the closing date they would no longer pay the repairs that needed to be done for FHA approval, so we had to pay for the repairs. If the appraisal and my credit was done before XX/XX/2021 then there was no need for my credit check to be done again and repairs would have been paid by the sellers if it was done in a timely manner. My credit was reranned on XX/XX/2021 and new things showed up on my credit and my credit score dropped, so I no longer was getting approved by the bank to purchase my new home. We tried to get an extension since the repairs were already complete, all the inspections were done ( home {$420.00}, termite {$60.00}, radon {$120.00} ), and application fee ( {$390.00} ) for fifth third bank was processed and paid for. He was very unprofessional, was not responsive to me or to my lawyer or realtor and not processed like things should have happened. I would not have lost this house if it was not for him. The house was put up on market and they accepted another offer from another buyer. I lost alot of money. I did complain to his supervisor XXXX XXXX and she didn't do much either. She did admit on the phone that he failed to tell me the price range I should have been looking for in a house and for not doing things on time before my pre-approval letter expired. Im out on a house of my dreams and out on money. I do not want anyone to go thru what I went thru as a first time home buyer. I will never recommend Fifth Third Bank to anyone to purchase a home. Please let me know what we can do if I can get my money refunded for a poorly and unprofessional job on my application to purchase a home.
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Transaction of XXXX USD at the ( See attachment for name of hotel ) Hotel on XX/XX/2021. - XXXX admits that this is an overcharge due to a system failure -XX/XX/XXXX informed the dispute must be filed by bank so that it may appear in their system and they can accept it. - XXXX mentions that up to now, no such dispute arrived. - I filed a dispute many months ago with XXXX Bank, they returned a false statement of their investigation " there was no error '', which contradicts both my attached evidence and what the hotel is specifically saying. Clearly no effort was made here to contact hotel and validate money they would refund me. - My understanding is that there are hundreds of alike issues with XXXX Bank with no resolution. - It has now been 5 months and i still do not have my money, no easy way to resolve it, and a ongoing circle of people differing me to others. ( Please reference attached document for details )
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: A representative of 5TH 3RD Bank with whom I bank sat down and started filling out loan app just in case I needed improvements, saying I was just getting appval for a loan just in case I needed it. If not, then no worries. This individual left the bank some 2 years later and some time after ( 2021 ) I was charged {$60.00} on my bill and was told after a certain amount of time there was a charge and there would be another charge of {$60.00} the following year. I was furious but unable to either get out of the app for a loan. Recently XXXX organizations have been writing me letters saying I have a loan for XXXX, Which I do not have! Please help me I think Im being conned conned by a group of shysters.
Company Response:
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: During the Covid pandemic, our loaner ( Fifth Third Bank ) gave us the option to go into forbearance, which we began in XX/XX/XXXX. A year later, we chose to have our loan modified, and began a Trial Period Plan in XX/XX/XXXX. Our old mortgage payment was {$2300.00}, while our Trial payment would be {$2100.00}. We made the payments in a timely manner for three months, after which we were told we would be sent a loan modification agreement, which we would have to have notarized, in order to start making the new payment amount on a regular basis. Many weeks went by and we still had not received our documents. We made a payment during XXXX, in the old mortgage amount of {$2300.00}, not knowing what we were supposed to do. We also made payments during XXXX and XXXX, around the amount of {$1900.00}, which was an amount that was included in a letter indicating what our new payment amount would become. During these months we made several calls to the loaner, asking when they would be sending the loan modification agreement, and we were constantly told that it would take a few weeks. We noticed that although we were making payments, they were not being added to our mortgage payments, which customer service agents told us was because new payments could not be accepted while a new modification was being written, and the money was put on hold. The agents also failed to tell us early on that they were sending a flood insurance policy notice, which would need to be signed and returned in order to continue the modification. In XX/XX/XXXX, we made multiple calls to them to ask when the flood document would be sent, and they kept saying it would be sent in a few days. When we finally received it, we sent it back the same day, and the XXXX tracking number showed that it had arrived early the next morning. When we called to inquire if they had received it, they said they had not, and that it was still at their mail center. We called a few days later, and they still hadn't opened it. Flash forward, on XX/XX/XXXX, the mortgage company had sent a letter saying that our case had been closed. When we called to inquire about why that is, we got many mixed messages. On one hand they were saying that it was closed by mistake, and on the other hand they were saying that it was closed because we hadn't submitted the flood document in time, which we had, but they had neglected to open in time. One agent even implied that we were going into foreclosure. We had to continue speaking to many agents until we could finally reach a supervisor, who assured us that they had received the document in time, and that closing the case wasn't a mistake. When asked when we would be receiving the loan modification agreement, he indicated that he would be looking into the manner and getting back to us as soon as he knew what was happening. We have not heard back from him since we spoke to him, despite continuing to send online messages and making phone calls to find out what was happening. Today, XXXX, XXXX, XXXX, we called the loaner again, only to find out they were sending us a new trial period plan document with a new amount, which the customer service agent indicated that after the payments were made for three months, it would take another few months ( up to six months ) to deliver the loan modification agreement. This is not what we were told would happen. We asked to speak to a supervisor again, and are currently waiting to hear back from one. We have also been trying to get a copy of our phone records which indicate all the times we called to ask for information and what was happening, as they often refuse to send us in writing what is being done. In addition, we were told today that the money that was put on hold was applied to our Escrow account, something we were not notified was going to happen.
Company Response:
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: on XX/XX/XXXX I had attempted to use an atm- which would not process my transaction- and asked if i would like to process as a cash advance instead- i declined this- however the charge of {$480.00} plus a $ dollar fee were charged to my acccount- I assumed this would fall off and was told by a worker where the location of the atm was that if i did not do the cash advance, it will only show pending for about a day.. I contacted XXXX XXXX the next day or so XXXX or or XXXX, the payroll company card that i used, with this transaction -- i received no funds, i explained to them what happened and they told me it will show pending for a few days. I noticed the funds cleared the account when i was unable to use the card in future days -- I contacted the number on the atm machine and was told i have to contact my bank.. -- i officially made a dispute on XX/XX/XXXX XXXX apparently no dispute had been put through- i made numerous follow up calls through out each day since XX/XX/XXXX until today XXXX and each time i am asked what happened- i was also told by about 4 different representatives that i would have to wait 90 days to receive my funds back, in which i know this information is completely wrong. - they told me because they " XXXX '' are not the ones who took the money it was a different bank that i had to wait a full 90 days for an investigation and to receive my funds, and because " they '' did not take the funds, they would not be reissuing my funds, even as provisional credit.. -- i was told that i would be sent a new card and in the mean time i blocked my card from purchases through their app -- i was told i would be able to still use the card until i received the new one which would take up to 10 business days- ( i had another pay roll deposit put onto that account on that account/card on XXXX ) - i have since been told no one had sent me a card- and that a dispute would not be filed until i received some paperwork from them in the mail- however I sent a written dispute directly uploaded to XXXX XXXX upload site, which prompted XXXX compliance to ask me for my drivers license and social security card to " un lock " my account since at some point a rep deactivated my card- and i am now unable to access my most recent payroll deposit. -- after sending the requested id and social- i asked them why what exactly was being done- and specifically what was the reason for asking me to upload these documents- they have not replied.. the only reply from XXXX compliance who requested these documents- i received was thank you we were able to verify the documents and to call the number on the back of the card.. -- i explained to them how i am not getting any help or answers from the customer service line - still no response.. when i call the disputes line, speak in the XXXX XXXX app- or call the number on the back of my card or their customer service number- still no real response. just run arounds on how they do not know any time frames, asking again to explain my dispute, repeatedly put on hold and hung up on.. i have received no type of email from them- no paperwork, nothing on my online account indicating my dispute or issue with accessing funds, -- - only thing i have been able to confirm is that i have not been sent a replacement card, no one has yet unblocked my account so i can access my funds, and according to them i have to wait for them to mail me something before i can start a dispute and before i can get a new card and this process will all take 90 days ... - i did speak with a couple different reps telling me they were escalating this, and i would receive an email or a phone call - also a couple times was told i would be receiving the provisional credit for the transaction in error within 24 hours - non of which has occurred. -- At this point I feel as though my funds have been stolen and i will get no resolution- they are holding onto my payroll deposit as well as ignoring my dispute and refusing to rectify the matter -- i know there are regulations when it comes to money- disputes, cards, and withholding funds yet no one with this company knows anything about finance.- I can say they did OFFER to send me a new card, i asked for it to be expedited at this point - they told me they would be able to expedite and i would receive in a about 3 to 4 days for a XXXX dollar fee.. -- - i told asked for the fee to be waived , they told me they would not- This company needs be looked into and dealt with as they are mishandling peoples accounts.- the card is a XXXX- the XXXX Card is issued by the Fifth Third Bank , National Association, -
Company Response:
State: NY
Zip: 14304
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2022 Fifth Third Bank charged my checking account a fee of {$4.00} for an International Transaction Fee. I have not traveled out of the country and have not made any purchases from an international vendor. When I reached out to Fifth Third Bank, I was told that this was due to a XXXX Transaction with a company who has an International Headquarters. The XXXX Transaction was completed on a US website in US dollars and shipped from Wisconsin. The transaction did not involve any International components at all. Rather, only that the parent company that the purchase was made from was located Internationally. The representative from Fifth Third informed me that this happens all the time and that the bank can charge an International Transaction Fee for purchases made through XXXX and XXXX where the vendor has an International Headquarters, regardless if the transaction was conducted in the US, paid in US dollars, and shipped from a US location. After an hour on the phone and multiple transfers to other departments, a representative was finally able to reverse the fee.
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I previously filed a complaint with CFPB for the same issue. I was able to pay the correct amount for one month because their company representative contacted me and was able to tell me via phone the correct amount to pay. The payment amount seems to change monthly and they only notify me via mail that comes after the due date of the payment. Their online system is broken- the login does not work well and I am unable to login without calling customer service. Once I do login, their online site does not show statements ( as advertised ). Their call center at XXXX has an average XXXX hour wait ( today it did not even connect ). Their backend accounting system looks like an antique, I've received mailed transaction pieces that look like they've been typed. I have paid the amount that I thought I owed every month and every month it changes, they do not apply my payment, and give me late charges even though they do not notify me of the new charges in a timely manner. I just need to know how much I need to pay every month and why the payment changes.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A