Date Received: 2021-11-28
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I am so tired of the total incompetence of the Fifth Third Bank and its employees. This is my second complaint against the Fifth Third Bank and in between both of them I have also spoken to the bank and hashed out another issue. Our vehicle was repossessed in XX/XX/2021- the loan has been paid off and we no longer deal with the Fifth Third Bank financially. I called the Bank and had to point out that on the credit reports for both my wife and I- they failed to indicate that the account is closed and paid. Now on the credit report the summary indicates the loan paid and closed. However, in the detail for the Loan showing payments- they have continued to show R for respossession in XXXX, XXXX, XXXX ....
Company Response:
State: ND
Zip: 58701
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My ex wife & I filed for divorce in 2009. She took out a credit card in my name, under her business name, with her business address. This cared was not submitted in the divorce & she is refusing to rectify the situation.
Company Response:
State: GA
Zip: 31326
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX my wallet was stolen. Inside this wallet was a XXXX XXXX XXXX ATM Debit Card administered by Fifth Third Bank. I notified the bank the same day. I also froze the card at the bank website. When 3 unauthorized transactions appeared, totalling approximately {$180.00} on XXXX/XXXX/21, I asked the bank to remove them. They gave me a phone number for " disputes ''. I called the number and provided the information related to these transactions and the last legitimate transaction before them. Approximately 45 days later I received a letter with the results of the bank investigation. They said they found no merchant misconduct, the transactions will remain charged to my account and this action is final. I never claimed merchant wrongdoing. I SAID THAT MY WALLET WAS STOLEN! I would like the bank to return the approximately {$180.00} back to my checking account.
Company Response:
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FIFTH THIRD BANK NATIONAL bal. {$11000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX Bank and a refusal to inform customers of the terms and procedure of closing the forbearance. XXXX Bank failed to inform me of the terms to bring my forbearance loan back to normal after the forbearance was over. They had XXXX months to inform me of the terms and never did. Now they want me to pay XXXX extra payments that they said I did not need to pay to be able to defer those forbearance payments to the end of the loan. XXXX XXXX- Started my forbearance with my loan company XXXX Bank. XX/XX/XXXX XXXX - After being informed that I would only get XXXX months of forbearance with my loan I called before the XXXX months had passed to see what my options were to payback the missed payments. I was told by a employee of the bank that I had 4 options : 1-Be evaluated for a loan modification to move missed payments to the back of the loan, extending the loan term. 2-Add the missed payments to the end of the loan as a lump sum payment. due and payable upon maturity, payoff, or finance. 3-Agree to a repayment plan with our hardship team. 4-Make a lump-sum payment after the forbearance period expires. I could choose from these 4 options what I would be able to do and they would decide what they could offer me. I chose option XXXX XXXX XXXX as possibilities. I was told that between the time I chose the options I wanted and the time the investors offered me an option, I would not be asked to make payments. They did not tell me how long it would take. They said that when they decided, I would be informed through their XXXX XXXX XXXX website, which is the site that the company set up to deal with the forbearance, and had been using to communicate to me, as well as physical mail. In the document center I would be receiving everything in writing in the document center. XX/XX/XXXXXXXX XXXX - After a month of no letter and no changes, I called XXXX bank again and They had told me that no updates have been made to my account and that they were still working on my account. To pease wait a few more weeks and as soon as there were changes that they would appear on the XXXX XXXX XXXX website. If I did not see anything by late XXXX to please call back. XX/XX/XXXX XXXX XXXX I wanted an updated so I called and they informed me that if I wanted to defer my payments to the end of the loan I had to make XXXX payments that I had missed. What XXXX payments I asked, I have never missed a payment. They informed me that it was for the months of XXXX and XXXX oXXXX XXXX. But my loan was in forbearance then. I asked for this in writing and they refused. I asked to know why I had to pay this and they said that my forbearance only covered XXXX months and that they could not move forward until my account was up to date. I informed them that my account was up to date and that the previous two bank agents both assured me that I did not have to make any payments while they worked on my loan. The agent I was talking to today informed me this was not the case. I realized that they were changing the agreement that the forbearance was built upon and refusing to put this in writing. I hung up when they refused to send me any sort of documentation as to what I owed and why. I called back from the same number as previously, an agent picked up the phone, saw my number and my previous phone conversation and put me on hold indefinitely. I was stoned-walled and the bank was refusing to talk to me. So I hung up and dialed the number from my work phone and was able to get in touch with a different agent. This person was far more helpful but made some disturbing things clear. He informed me that in XXXX they were still figuring out the forbearance deferment terms out with the investors and that they did not finalize them until early XXXX. These terms were not made public, or sent to customers or is anywhere on their website. So I was agreeing to something against my will and to something that I was not informed of or ever put into writing. There was no way I could have known what I had to do or how to proceed forward. And with over a month to inform me there was literally no effort made to inform me or any other customers. This can not be legal. I also asked for where this information was public, and they said it was not. So there is no way for me to look at the terms and conditions being proposed to me. They made it clear that they would not provide any written information whatsoever. I only wanted to end my forbearance in a proper manner and with legal documentation of the process and the terms I am agreeing to, but the company will not provide it. I want to make sure I do things legally and with legal protection for both parties and they refuse to provide any sort of documentation of the terms or the process. I live in a high market value area, how do I know they will not change the terms later on to benefit them? I don't and that is not right. Kindly, Mortgage Holder.
Company Response:
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account with the fifth third bank using an offer code that was sent via mail. After I met the terms and conditions I called the bank because I did not see any credit mentioned in the offer. The bank mentioned that they are unable to see the offer in their system so unable to honor the offer. I gave them the offer code that was sent to me and they confirmed it is a valid offer code but still can not honor it because it is not applied in the system. They know that I used the link provided to me on the offer but I am not sure why the offer code is not reflected in the backend. I am extremely disappointed because I opened the account based on the offer that was sent via mail.
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I went on my email last year, and a notification came up to pay a app bill. But the whole time it was a scam, so i put in my bank information for what i thought i had to pay. So whoever sent the email took my bank information and did fraudulent checks and closed by fifth third bank account. I cleared up all the money that was owed, and have no debt. I have been trying to open up a new bank account but i cant since my fifth third account i had under my record says checking account fraud. Could you remove it off my record i payed off the debt and would love to open a new bank account.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/21 I went to the Fifth Third bank branch in XXXX XXXX XXXX I opened a new checking account with a promotional offer code. I met the terms of the promotional offer code on XX/XX/21. Per the promotional offer terms, I was expecting a {$250.00} bonus to be paid XXXX days after XX/XX/21. I have not received the {$250.00} bonus as of today, XX/XX/21. I have contacted XXXX XXXX multiple times via their app, phone call to their customer service, phone call to the XXXX XXXX XXXX, & via email to the XXXX XXXX branch. I was told that the promotional code was not used when I opened the account ( although I have email proof showing it was ). I was told the {$250.00} bonus would be paid after XXXX days ( although the offer terms stated XXXX days ). It has been more than 60 days. Fifth Third bank closed all of my accounts ( without my permission or informing me ) and is supposedly mailing me a {$250.00} check ( per a phone call with the branch on XX/XX/21 ). I met the terms of the offer, please give me the {$250.00} bonus. Thank you.
Company Response:
State: MI
Zip: 48220
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: There is too much to write here about all the problems Ive had with fifth third bank so Im going with the most recent issue thats been the most troubling now. They are gaslighting me so hard. I have always been able to make payments online and the last couple of months I had not been able to do that because my account would not work and just told me to call in. I thought that was really weird so I tried for XXXX months at various times to reach in at different numbers as well. I finally got through after hours and talked with A guy who let me know that because my account was past due thats why they locked me out of my online account to make me call in My account was past due because I could not get in. So youll see my issue with that. Anyways he said after I make this payment to be up to date, which I gave him my information and it is posted, that my account would be unlocked and I would be able to make payments online again. That has not been the case and now I am past due this month again and I have been trying to get a hold of fifth third again at various numbers. Ive ive tried attempted contact at the XXXX main numbers of the social media and the number that is given on the online help when you cant login. Honestly Ive called these numbers back to back A ridiculous amount these last few days especially just show that I am trying so hard to just get in contact with these people. When I talked to the gentleman that I did get a hold of earlier mentioned he said that they had a total over XXXX contacts attempts for me. That is so false and I dont understand how theyre getting away with it. They have all my information correct as we went over. So I just want to be able to make my payments. They always claim on their canned responses on XXXX about security and stuff like that. I can understand that if I was taking money out or anything else but Im literally just trying to make payments it honestly feels like they just do this so they can get more late fees and more money. My track record is not been perfect and Im not trying to hide that but to be ignored and gaslit to this degree is astounding. Please help me. I just want them to unlock my online account. It was not perfect and I had my issues with it as well but at least I could see where I stood and monitor it without having to rely on someone answering the phone which never happens now.
Company Response:
State: ND
Zip: 58104
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FIFTH THIRD BANK NA & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A