Date Received: 2021-12-06
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: On XX/XX/2021, I received a series of emails from Fifth Third Bank, indicating that a card was activated, that the cards PIN was changed, and a purchase alert for {$4800.00} at XXXX XXXX I immediately called Fifth Third upon receiving these emails and reported fraud. I indicated that I hadnt requested a new card or received a card with the number indicated. I made a report with the XXXX Police Department on XX/XX/2021 and gave the police report number to Fifth Third. I also got a letter from Fifth Third dated XX/XX/XXXX acknowledging a suspicious purchase on my card and stating that the card was blocked. I recently received a letter from Fifth Third denying my claim. The denial stated that my claim was being denied because the card has a chip and was used at a chip-enabled reader. However, I did not have this card and did not make this purchase.
Company Response:
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I XXXX XXXX XXXX the natural living person federal protected consumer pursuant to Fair Credit Reporting Act ( FCRA ) 15 USC 1692a ( 3 ). Fifth Third Bank has violated my consumer rights pursuant to Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Shown in Exhibit A. Fifth Third Bank has violated my consumer rights pursuant to Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Fifth Third Bank has violated my consumer rights pursuant to Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. Fifth Third Bank has violated my consumer rights pursuant to Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Fifth Third Bank has violated my consumer rights pursuant to Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692k Civil liability, each violation listed above results in {$1000.00} each totaling {$20000.00} which includes personal and emotional damages. Fifth Third Bank also contacted XXXX XXXX XXXX XXXX XXXX XXXX which is a violation of my consumer rights and they trespassed on my property to take illegal process of my XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX doesn't have a surety bond to collect debt in the state of Texas Pursuant to XXXX XXXX XXXX TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION SUBCHAPTER A. GENERAL PROVISIONS : ( 7 ) " Third-party debt collector '' means a debt collector, as defined by 15 U.S.C. Section 1692a ( 6 ), but does not include an attorney collecting a debt as an attorney on behalf of and in the name of a client unless the attorney has non attorney employees who : ( A ) are regularly engaged to solicit debts for collection ; or ( B ) regularly make contact with debtors for the purpose of collection or adjustment of debts. XXXX XXXX XXXX XXXX XXXX. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER XXXX. DEBT COLLECTION SUBCHAPTER XXXX XXXX XXXX : Sec. XXXX. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( XXXX ) any person who is damaged by a violation of this chapter; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. SUBCHAPTER D. PROHIBITED DEBT COLLECTION METHODS Sec. 392.301. THREATS OR COERCION. ( a ) In debt collection, a debt collector may not use threats, coercion, or attempts to coerce that employ any of the following practices : ( 7 ) threatening that nonpayment of a consumer debt will result in the seizure, repossession, or sale of the person 's property without proper court proceedings. Sec. 392.302. HARASSMENT ; ABUSE. In debt collection, a debt collector may not oppress, harass, or abuse a person by ( 1 ) using profane or obscene language or language intended to abuse unreasonably the hearer or reader. My family member have seen this letter that was sent to be and has damages our relationship and caused XXXX and XXXX. Pursuant to Tex Fin Code 392.001 ( 5 ) " Debt collection '' means an action, conduct, or practice in collecting, or in soliciting for collection, consumer debts that are due or alleged to be due a creditor. ( 6 ) " Debt collector '' means a person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. These definition defines Fifth Third Bank as a debt collector. Pursuant to Tex Fin Code Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 2 ) actual damages sustained as a result of a violation of this chapter. Sec. 392.404. REMEDIES UNDER OTHER LAW. ( a ) A violation of this chapter is a deceptive trade practice under Subchapter E, Chapter 17, Business & Commerce Code, and is actionable under that subchapter. ( b ) This chapter does not affect or alter a remedy at law or in equity otherwise available to a debtor, creditor, governmental entity, or other legal entity.
Company Response:
State: TX
Zip: 76134
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2021, a fraudulent check was deposited through the mobile XXXX app. The amount was on {$2500.00}, and my signature was forged. On XX/XX/XXXX, I noticed two XXXX transactions, sent from my phone number, amounting to {$2000.00}, which I reported almost immediately. I asked Fifth Third to stop my account, dispute the charges, and figure out the issue. The two XXXX payments were completed, and when the noticed fraud check was returned, it left my account at a negative balance of over {$1600.00}. After almost two months of constant investigation, my plea was denied, due to the fact that a " one time pin code '' was sent to my phone, warning two XXXX payments were going out to an unknown email. I was part of a data breach at XXXX XXXX and XXXX, in XX/XX/2021, which may have resulted in my phone number and personal information being hacked. Realizing this, I sent all proof of documents through their email, which proves that my phone may have been hacked and my information has been definitely exposed. I bought a new phone, changed my passwords, and await for an answer, and have also filed a police report in the location the one-time pin code was sent. I am a college student, have scholarship funds I placed in my checking account for school ( which were stolen ), and have been a loyal customer. I just want my stolen money back, and make the situation go back to its normal self. I am now limited to paying school fees due to the fact that money was taken out unwillingly, and Fifth Third is not resolving the issue.
Company Response:
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed that a debt i never had is reporting on my credit report.
Company Response:
State: IL
Zip: 60561
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have got the Fifth Third XXXX regarding checkin account where they were offering {$600.00} if i will meet the terms and condition. I have opened the Checkin Account with Fifth Third with the promotion of {$600.00} on XXXX and Baker " XXXX XXXX XXXX applied the code in system and give the print of code confirmation. I maintain my account balance as XXXX for more than 90 days and got direct deposit of {$1000.00} within 60 days. I was supposed to receive the promotion bonus of {$600.00} after 90 days of account opening. It is being more six months where my account is opened and i didnt receive any bonus so far. I tried to spoke with banker and they told that since she forgot the send the flyer to their head office that is why i didnt receive my bonus and promise me of getting promotion amount asap. It is being more than 3 months when i spoke to banker i didnt receive the bank. Later on Banker went of vacation and ask me to talk to Bank Manager " XXXX XXXX ''. I tried making lot of call to her and leave voice messages but didnt receive any repose from bank. I went bank three to four times but sometime either baker is not available or sometimes branch manager is not available. I am attaching 4 month of bank statement along with promotion receipt to defend my case.
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XXXX XX/XX/XXXX, I made a purchase in the amount of {$31.00}. This left my account XXXX. On this same day, I had automatic payments come out in the amounts of {$40.00} and {$10.00}. According to XXXX Bank, any overdrafts which occur for less than {$5.00}, you will not be charged an overdraft fee. Not only this, XXXX has advertised a grace period to deposit a cash deposit to cover any overdrafts by midnight the following evening. I made a cash deposit in the amount of {$120.00} on Saturday morning, XX/XX/XXXX. On Monday, XX/XX/XXXX, I was charged 3 overdraft fees in the amount of {$37.00} each for the 3 charges made on XX/XX/XXXX. After contacting XXXX twice, I was told that there is nothing they can do because my cash deposit did not post to the account until Monday the XXXX even though it was made on the XXXX.
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was behind on my credit card payments and couldn't make any payments of any kind. I was told by and gotten written letters from my other credit card companies they must by law do a charge off after 6 months this is the only card that didn't, and they kept charging me interest and late fees for over a year without charging this account off but instead kept it open to pile on the fees now they sold this off to another company for the higher amount then I owe. And I can't get into my account on the website to get statements of any kind they took it off. I even have a check from the credit card company I never cashed in the amount {$53.00} that should have gone towards my balance since I never got to cash.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2021 XXXX financial mistakenly charged my 5/3 bank account twice for my car payment {$1100.00} which made my 5/3 bank account over draft. Fifth third bank charged my account 5 times of the amount of {$37.00} once on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XXXX XXXX. On XXXX XXXX I was charged a extended overdraft fee of {$10.00} all totaling {$150.00}. My arrangement with XXXX is they only suppose to take out XXXX payment out of my account each mount for {$1100.00} automatically I don't know why they choose to take out XXXX payments for this amount. But Fifth Third bank is treating this like it is my fault they only refunded a portion of fees but they not going to remove the fact that I was even charged a overdraft fee which have damaged my account and removed some of the features I once had on my bank account like check cashing on the banking app. I want all my money back in overdraft fees. And remove the fact my account was overdrawn because this was not my fault. I will write a separate complaint on XXXX also for messing up my bank account. But I feel like 5/3 bank should not profit off XXXX mistake
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: XXXX XXXX XXXX representing XXXX XXXX XXXX pursued and obtained a judgment against me and my husband. This company has documentation showing my husband is currently serving on active duty and they still pursued the judgment. This is in violation of the XXXX. I was not able to obtain employment after our last change of duty station and that is why the account fell behind.
Company Response:
State: AZ
Zip: 85304
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX, 2021, I attempted to get a drivers report online. Instead I got charged {$1.00} off of my mastercard. Later they took {$18.00}, for a business to check on employees report to hire them. So I ended up not getting the report that I wanted, and nothing else for the {$18.00} they took it. I did not authorize it. That was the Wisconsin DMV. I did send them a email explaining the situation to them. They sent me a email back telling me that ( We do not refund any purchase you made on any website that is not ours, and please contact your bank to dispute refund ) That was XXXX XXXX, 2021, at XXXX A.M. There is not any bank listed on the card I have, so I do not know whom to contact. I have been trying for several days to contact XXXX customer service. I always got hung up on, Their phone number that I called for mastercard is : XXXX.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A