Date Received: 2021-11-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I'm aware that this transaction is fraudulent [ Debit Card Purchase At XXXX XXXX XXXX, XXXX, Ny On XXXX From Card # : XXXX ] This transaction belongs to someone else and someone has obtained my personal information ( identity theft, fraud, error ). I didn't sign any lease term agreements and I didn't authorize or give permission ( consent ) to XXXX to withdraw money from my account on any or lease term agreements. After contacting XXXX and for further investigation on my behalf, XXXX is the merchant and the address that the items got delivered to was a ( XXXX XXXX XXXX, XXXX, TN XXXX ). I never lived there and I'm not responsible for any payments. I never lived there. For your review. I've attached an identity theft report.
Company Response:
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I'm aware that these transactions is fraudulent [ Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021, Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021, Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021 ] These transactions belongs to someone else and someone has obtained my personal information ( identity theft, fraud, error ). I didn't sign any lease term agreements and I didn't authorize or give permission ( consent ) to XXXX XXXX to withdraw money from my account on any or lease tern agreements. After contacting XXXX XXXX and for further investigation on my behalf, XXXX is the merchant and the address that the item got delivered to was a ( XXXX XXXX XXXX, XXXX, TN XXXX ). I never lived there and I'm not responsible for any payments.
Company Response:
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I received a phone call from XXXX on XX/XX/2021. The lady said her name was XXXX and calling from XXXX XXXX in regards to a debt they claimed I had with a bank I closed my account with over 8 years ago. She repeatedly interrupted me claimed they were going to contact the local police. They were going to have a judge hold me in contempt, serve me with some kind of papers, close my current bank accounts and restrict me from having any bank accounts in the future. After going back and forth trying to speak and get information to be sent to me she just kept interrupting me before she hung up on me. I called the local police department they asked me some questions. Asked if I could try and call them back to get the full name of the company. When I did somehow the same lady answered and said they were going to call the police for harassment to a business. Refused to give me the name of the company or any other I formation. Then today XX/XX/2021 the same lady called my girfriends phone threatening her the same way. Refusing to shut up so my girlfriend could talk. Basically the same things that happened to me the day before. I called the local police station again only to be told there is really nothing they can do..
Company Response:
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This debt was scheduled to be removed with the credit bureaus by XX/XX/XXXX. I disputed this on XX/XX/XXXX and the credit bureaus never removed it. I am asking that you help me investigate why the credit bureaus didn't remove this from my credit reports.
Company Response:
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I discovered fraud, my money market account was hacked all Statements were surpressed both paper and electronic so no way fro me to determine fraud. When asking Customer service how and when that happened they said not able to tell its a new system. I received a email from bank asking to approve transfer i called immediately and asked what was going on at that point we determined that fraud had occurred. I asked for all statements to be sent to me the amount was over XXXX with multiple web withdraws paid to XXXX XXXX, working with XXXX dispute they have dined some requests saying i should have stopped them sooner. With no statements, paper or electronic not sure how a bank can send nothing?
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I submitted complaint XXXX to resolve a dispute with Fifth Third Bank XXXX The balance on my credit card was {$18.00} on XX/XX/XXXX while I was waiting on a response to my complaint. On XX/XX/XXXX I was charged a {$25.00} late payment fee. On XX/XX/XXXX I received notice that Fifth Third was going to pay {$12.00} of the {$18.00} in fees. As soon as I got the email that they were going to pay {$12.00} of the {$18.00} in fees, I immediately called 5/3 to pay the {$6.00} remaining. This posted to my account on XX/XX/XXXX. On XX/XX/XXXX I was charged a {$1.00} minimum finance charge fee. As soon as I received the check for {$12.00} from Fifth Third, I applied that to the credit card account. It posted on XX/XX/XXXX. I have called XXXX XXXX, the woman that responded to my first complaint, at the Office of the President, multiple times and left multiple messages over the past few weeks with no response. My calls always go directly to voice mail. There is no other contact information listed for her.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Fifth Third admitted to selling my information without my permission to XXXX XXXX XXXX. Both businesses refuse to validated, and this not my account. The address, XXXX XXXX XXXX, XXXX, Ga XXXX, is I never lived and on farther investigation it is a hotel ( business ). This is really affecting my quality of life and I would like it off my credit report now. More than investigation in the matter I seen that my rights were violated based on FDCPA Laws as follows : 15 USC 1692, 1692a ( 3 ) Definition of a consumer as any natural person obligated on or allegedly obligated on a debt ; 1692 a ( 5 ) Definition of a debt as an obligation for money, goods, insurance, or services for primarily personal, family or household purposes ; and 1692 a ( 6 ) Definition of a Debt Collector as collectors, collection agencies, etc
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ive been having trouble the past two months with no having my on time mortgage payment processed for Fifth Third Bank because I owe a surprise new amount for escrow. The communication of the escrow analysis change has been poor but understandable because of USPS delays and that I havent set up an online account yet ( my mortgage was bought by them recently ). The adjustment to the escrow didnt align with when my property taxes are adjusted or with an insurance renewal so I was confused why it would change. Yesterday when I was able to talk to the escrow team on the phone, they told me that it was their process to hold twice the amount of the total of my projected property tax and insurance costs in the escrow account. So I paid the overall shortage of {$270.00} and my mortgage payment is also increasing by {$16.00} every month. It doesnt seem right that they are about to hold double what I am projected to owe in property tax and insurance.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: This week I contacted XXXX multiple times over chat and phone to ask for help. No one has been able to assist. I has disputed transactions that I reported and the company canceled the card. They issued a replacement. It takes 7 to 10 business days for the card to reach me according to Wisely. They did not offer at first to expedite the replacement. I got paid on XXXX and I can not access it in this account without the replacement. I can't move the $ through XXXX. My pay is entirely stuck. I have bills to pay and travel next week for work. When I got to speak to a manager yesterday XXXX, he offered to send a card via 2 business day shipping but said I would have to pay for it. I refused and asked for additional assistance and he hung up on me.
Company Response:
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was on a forebearance due to covid from about XXXX of XXXX to XXXX of XXXX. I made my 3 temp payments to get back onto my normal mortgage payments and agreed to an amended mortgage to pay back what I owed for a 10 year extension. It has been 7 months and I still have not received my amended mortgage and everytime I call they say either it's in the process and the last time I called they said the docs would be at my house by then of the week ( 2 weeks ago ). The morgage lender is 5/3 bank. I am trying to refinance and can not because they refuse to send the amended mortgage docs for months now, and it still shows I owe over $ XXXX in payments to them.
Company Response:
State: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A