Date Received: 2021-10-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: FIFTH THIRD BANK PROVIDED ME A COUPON OFFER FOR MOMENTUM BANKING WITH A {$700.00} CASH BONUS. WHEN I ATTEMPTED TO OPEN THE ACCOUNT ONLINE, AFTER THEY VALIDATED MY DRIVERS LICENSE AND SSN, THEIR WEBSITE SAID I ALREADY HAD AN ACCOUNT WITH THEM. I CALLED AND WAS TOLD THAT ACCOUNT WAS OPENED IN XXXX AND CLOSED IN XXXX. THE COUPON TERMS STATE " OFFER NOT AVAILABLE TO EXISTING FIFTH THIRD CUSTOMERS OR THOSE WITH A FIFTH THIRD CHECKING ACCOUNT THAT CLOSED WITHIN THE LAST 12 MONTHS. '' BECAUSE I CLOSED AN ACCOUNT FIFTEEN YEARS AGO, I AM INELIGIBLE TO GET THE BONUS BECUASE I'M STILL AN " EXISTING FIFTH THIRD CUSTOMER. '' FIFTH THIRD IS COMMITING FRAUD IN ITS INDUCEMENT AND ADVERTISING TO " NEW '' CUSTOMERS.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On Sunday, XX/XX/2021 I went to the ATM of the fifth third branch at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. The ATM kept my card and then displayed " This ATM is temporarily out of service ''. I went to branch XXXX minutes after it opened the next day to retrieve my card. I was he only person sitting in waiting area to be serviced and now came. I noticed a technician entered the building to repair the ATM ( He announced he was the technician based on the conversation with a teller ). At that point I stood in line, since no one assisted me for the past XXXX minutes while sitting down. Waited another XXXX minutes when there were XXXX tellers and XXXX customer. Finally a teller by the name of XXXX asked how she could help. I gave her my drivers license I.D . and informed her that their ATM kept my card yesterday and I was here to retrieve it. She asked " was it a fifth third card? ' I said " no but I've used this card at fifth third ATM 's for the past 8 years with no problem. '' She said " I cut it up. '' I responded " WHY DID YOU DO THAT? '' She said " if it's not a fifth third card, we cut them up because we have no way of identifying who's it is. '' That action reminded me why I closed all my accounts at that bank 20 years ago. On the surface they look good but they are still doing things the same way as years ago. They could have looked at my identification or even called the company to verify my identity. They did not want to. You don't destroy a card ( anything for that matter ) that does not belong to you. Then she had the nerve to suggest me to contact the card maker, as if I didn't have enough since to do that. If fifth third was the last bank on planet XXXX, I would not use their so called services. Whatever type of resolution or retribution is available ... ... .I want it!
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was a victim of fraud while banking with Fifth Third Bank. When I noticed the unauthorized and unrecognized activity, I called Fifth Third immediately and was met with disdain and accusations. Desperately trying to explain and prove my inocence, the guy in the security dept at fifth third bank was extremely rude and blatantly called me a liar and thief after questioning me incessantly. They did absolutely nothing to help me and then upon their investigation which they told me nothing about, decided that I was to blame. They proceeded to lock my accounts but left them open for credits ... .meaning money could come into the account but not come out. Also, I did not have access to even look at my account. Someone was depositing fraudulent checks in my name via mobile deposit. A short time before this happened I was in a bad car accident which left me injured, confused and without my purse containing my wallet, my debit and credit cards and some very important information such as my login information. These sensitive financial items were in my possession that day due to a situation that day where I was handling some business and would need to log into my mobile app. Fifth Third has a known policy of zero liabilty in referrence to a member not being held liable for fraudulent activity within their accounts. Meaning Fifth Third would provide a credit for monies lost via fraud. After I reported the fraud to Fifth Third employees Fifth Third provided credits for the ATM withdrawals but then put them on hold causing my checking account to be severly overdrawn. When I called to inquire about my account I was passed to the security team of Fifth Third who then began to accuse and berate me and blatantly expressed that they thought I am a liar and that I scammed them by depositing the checks via mobile device. I told them several times that I did not do this but it was as if they cared so little that talking to me at all was a bother. They then told me that they were going to excercise their right to refuse business with me. At this point I was so appalled that I agreed about not wanting to do business with and asked them to close my account after giving me the money that was originally in my account. They told me I would have to wait until they had finished their investigation and until alll the transactions had cleared. The only transactions that hadn't cleared, mind you, were the holds that Fifth Third put on the " coutesy deposits for reimbursment of the fraudulent atm withdrawals.They were extremely rude and I found myself on the phone with them everyday for hours each day. I am a single mother of XXXX young boys. We have no family or and real friends and I literally raise them alone. I am also XXXX suffering from XXXX and XXXX XXXX. I collect social security XXXX for this XXXX XXXX and the only other income I have is child support for my boys which without it we we will not make it. I expressed this and the fact that my monthly check would be sent to my account concerning this matter. They informed me that I would need to change my direct deposit because my account would reject the payment. So, I opened a new bank account after fighting with every employee at Fifth Third. I realized immediately that it was a bit late in the month to change my direct deposit. I was terrified of my payments being deposited into that accout because I wouldn't have any access to my funds. This is very scary for me because it's all the money my children and I have to survive in this world. Fifth Third didn't care. Fifth Third has expressed to me that they did that grimy stuff to recieve payback for the fraudulent activity. I think it's pretty sad when a bank... ..a bank with unlimited funds nees to take what is essentially pennies from a single mother. They had no reason to do that. They also stopped talking to me and giving me the information I would need to do some. They puposely tried to make me feel very low and worthless. They had still yet to offer effective resolutions or advice. They did all of this without my knowlege or approval. Also, I have attached the back the folloing uploaded document containing a comparison of my signature and the one used to commit fraud.
Company Response:
State: IL
Zip: 60540
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have five unauthorized hard inquiries on my credit report. I tried calling the companies directly who told me to call XXXX which directed me here. The dates are all from XX/XX/2020. Please help me proceed.
Company Response:
State: FL
Zip: 32526
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Persons at 5th 3rd bank have threatened me with bodily harm is I continue to try and back with them. This was recorded by XXXX XXXX.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: The company had did 3 inquiries on my name when I only authorized for 2 times. Then after they ran my name they new what was on my credit report before they gave the 2 credit cards. One was a cash back reward card for 12 month with a balance transfer with no interest. I havent even had it 12 months and they decrease it already. I only had it for 10 months. After that I pay them off they decrease it to {$500.00} when they gave me {$5000.00}. The other card was a truly simple card for 15 months with no interest. It was for XXXX and now they decrease it to XXXX and I have been paying on it. I havent even had it but 9 months. I have nothing on my credit report negativity. My score is over 700 and I Strongly Disagree with there decision after the fact they already new All the credit line I had out there. I never had anybody decrease my credit line if a they would increase and Surly not in less than a years. I was TOTALLY disappointed, disagree, and distraught how I was treated by the credit card President of this company when I had bank account and saving account. Oh by the way they change bot of my credit cards numbers so on the on question you for the credit cards number I only have the new account number so that what Im giving you.Please appreciate if you can help me Rectify this issue. Thank You.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I am XXXX XXXX the consumer defined in Truth in Lending Act as a natural person, not a dead corporation. FIFTH THIRD BANK has violated numerous consumer right violations. I XXXX XXXX recently sent a cease and desist certified mail and I will attached the receipt and return receipt. They still contacted me through mediums like USPS which is a violation of the FDCPA of my cease and desist and mail fraud. I entered in a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2021. The attached documents will show you that I was charged a finance charge of {$8900.00} which is the sum of all charges. So I shouldn't be responsible for paying on anything other than a finance charge. Truth and lending never define what a loan is so why is XXXX XXXX XXXX sending me bill of costs with positive balances saying I should pay them for a loan which is also misleading information. A loan is the obligation of the United States of America. I do not pay on positive balances. A debt collector defined in FDCPA means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. FDCPA states that debt collectors can not acquire consumers location without the consumer consent. I never gave XXXX XXXX my information. I gave it to XXXX XXXX TX, XXXX and not XXXX XXXX XXXX. XXXX XXXX XXXX also violated my consumer rights under FDCPA by trying to threat me to make payment or they will take my property. XXXX XXXX XXXX said they are not governed by the FDCPA which is false and misleading information which can result in FIFTH THIRD BANK Being Liable for damages. FIFTH THIRD BANK sending documents saying they will seizure, garnishment, attachment, or sale of any property is a FDCPA Violation that results in my remedy. FIFTH THIRD BANK sent me coupon book. Defined in Truth in Lending Act 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My debt should be paid by my coupon books. FIFTH THIRD BANK also reported negative and misleading information on my consumer report after I send a cease and desist order.
Company Response:
State: TX
Zip: 76134
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third Bank in Ohio purchased my existing home mortgage from XXXX XXXX, XXXX XXXX, FL, in XX/XX/2021. The home and mortgage belong to my partner and I. XXXX had all information correct and online mortgage payments were easily made. Multiple attempts to setup the new Fifth Third mortgage account online, and with their customer service department were futile. I was told due to their error in transposing my Social Security number being associated with my partner 's cell phone number upon the mortgage assumption from XXXX ; it could not be accomplished online or by phone. It must be accomplished at a local Fifth Third Bank. There is only one location in XXXX XXXX, and due to danger of COVID exposure with my health status, it is not an option. My partner lives in Oklahoma, and there are no Fifth Third Bank locations. It seems irresponsible to risk my health to visit their one branch office, to try to potentially, and with no assurance, resolve an error of their responsibility. I was also told I would need to setup an ATM card with Fifth Third, in order to be able to receive the benefits of online mortgage servicing. I am very much concerned for their customers with XXXX ; and requiring additional accounts for mortgage servicing. Thank you for any assistance. It is much appreciated.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: First I would like to set some context for the overall mis-representation of XXXX XXXX that led me to originally transfer from my other bank. Thru the ADP portal that I use to manage my payroll I received details about the ability to receive a XXXX card / account ( XXXX Card is issued by the Fifth Third Bank , National Association ). As part of the value-proposition XXXX ( Fifth Third Bank ) promoted the ability to receive my payroll 'up to 2 days ' early. This turned out to be entirely incorrect, and I constantly received the run around 'blaming the employer '. However I did consistently receive it the day of the pay-roll. Today however ( XX/XX/XXXX ) I woke up to NO PAYROLL in my account. Having contacted first the online agent support and then the call center, i received the run around followed my a strange reasoning that was no where to be found in any of the bank documentation. Namely something ambiguous that I can not find any any bank documentation about exceeding XXXX $ USD in monthly deposits. Now it is true that on XX/XX/XXXX and then on XX/XX/XXXX and then again today XX/XX/XXXX I received a payroll each totaling XXXX. However ( a ) I can not seem to find this any bank documents available online, have requested it and yet to received anything. ( none of the documents on the XXXX XXXX XXXX site under policy documents show anything in this regard ) ( a1 ) I have a XXXX agent online ( screenshot available ) informing me that " it is not showing anywhere online, online internally ''. that this policy exists. ( b ) I had to proactively discover this after the bank to my money hostage, was never informed ( c ) Once I was informed of what i needed to do, which is was to send proof of payroll stub to this site ( XXXX XXXX XXXXXXXX ). The site itself is not asking for anything to do with payroll but demanding XXXX instead. Seemingly to make it very difficult to actually process this. ( d ) It is highly strange to ask for these details in the first place, when it is the same employeer paying the exact same amount and has done so many times into my account. Seems like a tactic to withhold my funds without reason then a legitimate ask given the historical data the points the bank has directly in front of them to validate the legitimacy of the transactions. Currently I have rent due today, with no funds available to me, without exact clarity when i will receive my funds, but seeming it could be Monday. Who then is responsible for my late fees? Do I have a right to sue under these circumstances? Finally this experience is compounded by the ongoing issues I've had with the chat system dropping on me in the middle of prolonged discussions, even currently I've been on hold for 90 mins waiting for an agent. Last time I was on hold a month ago the call just dropped after about 2 hrs. There is absolutely no accountability at this institution for anything. I believe there to be at best misleading marketing practices, very strange control of funds, horrible support infrastructure. Incidentally I have screenshots and recordings of everything above and can provide both here-in an upon investigation and request. I can only hope that there are people and institutions that can finally hold someone accountable for the unethical practices of this organization XXXX ( Fifth Third Bank ).
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My wife and I paid-off a residential loan with Fifth Third Bank and I have requested a copy of the reconveyance but they said they won't provide one. They refused and said they will only provide an unrecorded letter. If they don't record a reconveyance the loan will remain on my credit report. I will attach their letter and my notes with bank employees.
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A