Date Received: 2021-11-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: automatic payment was set up with 5/3rd Bank , however, payments were not withdrawn. i also requested payment book, and have not received. Bank reported that payments have not been received, and reported to credit bureaus. i do not have a history of non-payment on this vehicle or any other account, but now i do due to 5/3rd not processing my automatic pay correctly.
Company Response:
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX, I discovered ten fraudulent charges that had posted to my checking account. I called the phone number listed in the transaction ( XXXX ) the representative stated that these were international charges for the purchase of online gaming. There were nine charges of {$82.00} and one charge of {$66.00} for a total of {$810.00}. I informed the XXXX rep that I did not make these purchases and that they were fraudulent. Through my credit card number, she was able to discover that someone had created a bogus account using my credit card. The card was blocked and she advised me to contact my bank ASAP to shut down the card and advise them of the fraudulent charges. I called 5/3 Bank Dispute Department and spoke to XXXX. I told her that these charges were fraudulent and that I need to dispute them. She stated that she could not start a dispute until all the charges posted to my account. This would not only put me in a serious overdraft situation, but I would also incur hundreds of dollars in overdraft fees. She stated that it would take at least 8 days to resolve this dispute. I told her it does not make sense for XXXX to let fraudulent charges post to a customer 's account and cause the customer to be out that amount of money PLUS overdraft fees just because some criminal stole my money! In the past when I have filed a dispute for fraudulent charges, XXXX would immediately credit the amount back into my account, THEN start an investigation into the charges. They would send a letter to me stating that they are investigating the disputed amount but that if it is found that the charges were not fraudulent, 5/3 would take the money back that they had previously credited to me. I don't know when or why they changed this policy. I have bills to pay NOW and 5/3 is holding my money hostage and is not giving me a choice but to be at their mercy They are not protecting me as a customer or my money. $ XXXX may not be a lot of money to some, but it is MY money that I worked hard for and I need it to pay bills. I am a XXXX XXXX but I am off work due to Covid so I am already struggling financially. If I don't pay my bills, I will have late fees on top of everything else. If I DO pay my bills, my checking account will overdraft and I will get charged fees. 5/3 has put me in a lose-lose situation and is essentially saying " too bad-you have to play by OUR rules ''. I even spoke to a supervisor named XXXX who told me the same thing that XXXX did. She said I could file a complaint but it would not change their way of doing things. Regarding any overdraft fees, she said I would just have to call 5/3 AFTER the dispute is resolved and have those reversed. What??? I should not even be put in a position to overdraft and wouldn't be if someone hadn't stolen my money and if 5/3 would not let the fraudulent charges post to my account!! I am being penalized for someone stealing my money. This way of business is unacceptable. I know if they are doing this to me, they are doing to a million other people too. Someone needs to put a stop to this.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Husband and I had our mortgage sold to 5/3 for servicing and every interaction since has been abysmal. From setting up an account, auto pay, and now monthly harassment for payments. A lady from 5/3rd called around the XXXX of XXXX and wasted 10+ minutes of my time asking detailed questions about my personal information and when to expect payments etc. I made it clear multiple times I was not happy with her call or questions and that auto pay had been set up to pay on the XXXX, well before the due date grace period of the XXXX. I was told she would make a note of this and shouldnt expect any future calls. XXXX, that wasnt the case as I was called again today ( XXXX ) with the same questions. I again made it clear I was not happy with the pervious call, did not appreciate the follow up call, and would not be answering her questions, that it should be noted our payment is to be auto paid on the XXXX and I was an unwilling customer of 5/3rd, I was forced to be a customer.
Company Response:
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: 5/3 bank is potential discriminating against people based on their country of origin or service member status, by locking out online accounts based on physical location of those who are temporarily outside the United States. For example I am currently physically in the XXXX temporarily and am unable to log into my account due to the error message account login invalid. The only way to fix this is to call into customer service and wait 30+ minutes then be transferred to their online security team who will clear the error. After 24 hours the message will reappear and access will be blocked, even though I told 5/3 that I will remain in the XXXX until XXXX. Their new security process blocks online account management for service members who may be assigned to the XXXX ( note that I am *NOT* a service member ), and those of XXXX origin who are more likely to be in the XXXX and have their access blocked. While I am not of XXXX origin my future spouse is, and will be impacted by 5/3 practices when they are added to my accounts.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 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 METRO 2 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 The Better Business Bureau, 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. 5/3 BANK NA bal. {$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: OH
Zip: 45251
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The Credit Bureau is reporting inaccurate information on FIFTH THIRD BANK NA XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello, I would like to file a complaint and bring to your attention my experience with Fifth Third Bank in obtaining a HELOC on a rental property. Below is my attempt to summarize as much as I can to highlight the situation.On XX/XX/XXXX, I reached out to XXXX at XXXX, NC location to check if the bank offers Heloc on rental properties. I told him the rental property is fully paid for so the potential lender will have a first lien on the property. He told me yes but he wanted to double check with his manager and he told me I would also require to open a checking account. Next day on XX/XX/XXXX, I received a voicemail from XXXX confirming that Fifth Third will offer Heloc on rental property. We set an appointment to meet to apply for HELOC. On XX/XX/XXXX, during the meeting, XXXX was more interested in opening the checking account than discussing the HELOC. I told him I like to have more info on HELOC first before I apply for checking account. I asked him what rate can they offer me. I was told around 4 %. I told him that seems high and if there is a way to reduce it. He told me the rates could go to Prime if I got a preferred status with the bank and that can be obtained by having deposits of $ XXXX. These deposits can be in savings, checking, brokerage, or retirement accounts. That sounded like a good offer to me, so I decided to go ahead with the process. I thought he will take Heloc application first and then the checking account. He said that he will open the checking account first and then he will have to setup another appointment for Heloc application. I found that to be strange but I went with it. While filing the checking account application he asked me if I had cash to fund the account. I said I dont carry cash. He then asked me if I had a check and I said no. I asked him can we not do this electronically. He said no. He asked me if I wanted to do cash advance on my credit card. I was shocked and upset as cash advance incur high fees. Any banker suggesting such is very irresponsible in my view and I was not going to work with such a banker. I told him I am not comfortable with all this and I walked out of the branch. I was really interested in getting prime rate ( 3.25 % ) on a Heloc on my rental property. So I called another Fifth Third banker. I called XXXX XXXX but we were not able connect. I then called XXXX XXXX and she advised me that Heloc is done by a personal banker and not a Mortgage Banker and she was a mortgage banker. I shared with her how my experience with XXXX went. She suggested that she can help. She said will first validate all the info based on my requirements and then have a personal banker reach out to me to set up an appointment if all checks out. XXXX called me next day and shared the following info - One can get HELOC on rental property if following conditions are met - 65 % Loan to Value, $ XXXX max credit line, 35 % Debt to income ration, first lien on the property.On rates XXXX shared that one can get an introductory offer for 1.99 % for there the first year. Also if I get preferred status then the rates will be P+0.25 %. This was different than what XXXX told me. XXXX also added that preferred status can be obtained by having a deposit of $ XXXX which can be in the savings, checking, CD, brokerage account or retirement account. I asked if XXXX account is eligible and she confirmed it is. Based on this information we agreed to have a personal banker give me a call to setup the appointment. XXXX XXXX called me and we setup an appointment to meet on XX/XX/XXXX to meet at the XXXX location. On XX/XX/XXXX, I met XXXX and before we start with any application or do any paper work I shared my requirements and what XXXX had shared. XXXX confirmed and we decided to do a HELOC application first. We also agreed that we will setup another appointment with another banker who will help me through the process to get preferred status, i.e. setup an IRA account where I will move $ XXXX to get a preferred status. Application Process - This was done by XXXX asking me bunch of questions. She printed the application for me to review before she submits it. I pointed out 3 things on the application - Property Year Acquired = XXXX ( correction-this should be XXXX ) Property Type = Secondary Residence ( correction-this should be Investment ) Present Address = no tick mark ( correction-this should be marked as OWN ) Ceci mentioned that she noted all XXXX changes and has put those in the comments section so we are good to go. After this XXXX asked me if I also want to open a checking account. I told her fine as long as I get a HELOC. She opened the checking account with {$0.00} balance. This was interesting as with XXXX I was asked for cash and then check and then cash advance on credit card. XXXX called me next day to let me know that she has some bad news. She informed me that they will not approve my application as the underwriter thinks that this is a rental property and not a secondary residence. I told her that we did apply for rental property so not sure whats going on. I asked her if I can talk to the underwriter to better understand their rationale on the decision and if I may clarify or provide more information for them to reconsider. I was told no. XXXX then started talking something about reserves. I asked her what does the underwriter need. If they need reserves please let me know and I will be happy to satisfy that requirement. I told XXXX if they need to see 6 mos of XXXX as reserves which comes to around $ XXXX then the funds in my checking account should do that. I typically keep around $ XXXX in my checking account so that should actually satisfy their 12 months of XXXX if need be. The fact of the matter is the banker knew I was applying for a rental property. This was confirmed by XXXX, XXXX and XXXX herself. So the bankers are in sync. They were accepting application on XXXX on rental property. It seems like their underwriter did not get the memo. The underwriter declined me because this was a rental property. OR the personal bankers knew this and they used this to just open the checking accounts. Perhaps they have a quota to meet and for them it didnt matter how they got customers to open the account. I then called XXXX again to share my experience with her. She was shocked and said she will look into it. She came back with I got so many different answers this afternoon about the Heloc with Investment properties, I dont know what the correct answer is to be honest with you! If Fifth Thirds own employee is not able to navigate their own organization and figure out their own rules there is no way on earth any customer can understand whats going on. Few days later I got a letter in the mail about my application. It was declined. Decision reason provided wasLack of qualifying deposit relationship. This was shocking as this is not what XXXX communicated to me. During the application the banker knew I was not an existing customer nor did I have any relationship. This is just cheating. Was this a stunt to get me open a checking account? This was a hard inquiry on my credit as well. Just to show/prove how messed up this is I called another branch of Fifth Third on XX/XX/XXXX at XXXX and spoke to XXXX. I provided her with same information, i.e. Property Value = $ XXXX ; Property paid off-no mortgage on it ; credit score XXXX Here is what I was told - Yes I can get HELOC on rental property. I can borrow up to 80 % of value. Max limit to borrow is $ XXXX. Rate = 4.39 % Since I was denied due to deposit relationship I then asked this. Do I need to be an existing customer? She said NODo I need to have any deposit relationship to qualify for HELOC? She said NO Can someone please explain this? Fifth Third bank did wrong by me. I am asking them to do the right thing here.
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i was in forbearance for about a year, now fifth third is reporting my loan as late instead of being in Forbearance i need this to be corrected.
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Company said to call XXXX XXXX about my funds for rebuilding my home. This was in their letter dated XX/XX/2021, attached. When I called they refused to transfer my call to XXXX even though I had selected option 3 as directed in the letter. When I tried to find out who I was speaking to I got hung up on. A company called XXXX XXXX said they did an inspection on XX/XX/2021 and came on to my property without my permission and took photos of my container home and or my storage container. They did not inspect the home, the foundation, the septic or the well for the new home. They refuse to provide me copies of the photos they took without permission. I am unable to access my funds for rebuilding my home. I am unable to contact the person they said to contact in the letter. Each time I try I get hung up on and abused as a XXXX person. Since the bank has refused to work with me regarding the rebuilding of my home and since construction costs continue to rise the bank has compromised my ability to rebuild. They refuse to accommodate my XXXX and refuse to adjust my escrow since I am paying my own taxes. According to their letter I need to pay and have transportation in order to communicate with them. This is an unfair action and makes my XXXX worse.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: 5/3 bank made a XXXX payment transaction of {$430.00} while I am not even a XXXX customer. I notified the bank many times and no action has been taken to resolve the issue.
Company Response:
State: IN
Zip: 46208
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A