Date Received: 2021-09-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I contacted 5/3 Bank two times by their Internet contact form instructing them to close my account. They refused to do so, stating I had to go to the branch. After the first time I was given this information, I responded back instructing them to close the account because I live in an area where people are non-compliant with masking, vaccination, or any other Covid mitigation. Talking to someone from my area in person or going into a small bank branch would be far riskier than being bitten by a rabid possum. I then called the telephone number for customer service, and the person there repeated the same information by rote, even after I repeated my concerns that this was a death sentence for me and my family. The individual refused to respond about what would happen if I died ( presumably, unable to come into the branch ).
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Fifth Third Bank will be civilly liable under Title 15 U.S. Code 1692k if XXXX XXXX XXXX failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by Fifth Third Bank. My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR 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. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY.
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive XXXX calls A day from XXXX. I shut my card off and have canceled my accounts because I am currently not working and can not pay. I let them know this and told them as soon as I receive financial stability I would pay the bill. They continue to call. I asked them not to call me anymore that I would contact them as soon as I could make a payment. They continue to call. Aggressively at that. I just received a call and I let them know again please stop calling. They then refused and continued to ask me for info and payment. I asked several times for her to not call. She refused. I hung up on her and she proceeded to send me a text message. This is crazy! They were the ones who put me in debt in the first place by over drafting m account by {$7.00} dollars for identity protection then charged me {$30.00} for the over draft. Then proceeded to charge me after I was told several times it would be taken off. I now have. {$400.00} bill with them just in over draft charges that they initiated.
Company Response:
State: OH
Zip: 45356
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I did a consumer credit transaction with Fifth Third Bank Title 15 U.S. Code 1679a ( 2 ) The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes. I filled out a Credit Application with Fifth Third Bank Fifth Third Bank is A National Bank Part Of The National Banking Associate National Bank Act does not authorize Fifth Third Bankto lend credit Title 12 U.S.Code 24 sets forth powers of national banks. XXXX XXXX XXXX XXXX vs. XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX, ( 1927 ), it was stated, It has been settled beyond controversy that a national bank, under Federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. Farmers and Miners Bank v. Bluefield Natl Bank, 11 F 2d 83, 271 U.S.669. I use my federal credit card information on the credit application Title 15 USC 1602L 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 Once I gave Fifth Third Bank I applied my credit card information to the credit application I gave Fifth Third Bank CREDIT. Denying the credit application would be considered Unauthorized use of my credit card & unauthorized access device Title 15 U.S. Code 1602pThe term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Title 18 U.S. Code 1029e1 the term access device means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds ( other than a transfer originated solely by paper instrument ) ; Title 18 U.S. Code 1029e ( 3 ) any access device that is lost, stolen, expired, revoked, canceled, or obtained with intent to defraud Title 18 U.S. Code 1029e ( 5 ) the term traffic means transfer, or otherwise dispose of, to another, or obtain control of with intent to transfer or dispose of ; Title 18 U.S. Code 1029a ( 6 ) Fraud and related activity in connection with access devices Whoeverwithout the authorization of the issuer of the access device, knowingly and with intent to defraud solicits a person for the purpose of ( A ) offering an access device ; or ( B ) selling information regarding or an application to obtain an access device ; Im the ORIGINAL CREDITOR in this consumer credit transaction Title 15 U.S. Code 1602g The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. I am a Natural Person & Consumer Title 15 U.S. Code 1602i The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Me XXXX XXXX Is A Natural Person An The ORIGINAL CREDITOR granting Fifth Third Bank the right to credit Title 15 u.s.c 1602f the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment Credit is my RIGHT AS A NATURAL PERSON NOT A PRIVILEGE Title 15 USC 1602L Title 15 USC 1605 Determination of Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable cash transaction. Title 15 U.S.Code 1611 Criminal Liability For Willful And Knowing Violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. Title 15 USC 1692, Congress has concluded that several companies, including yours, use abusive, deceptive and unfair debt collection practices. I am a Consumer. Title 15 USC 1692a ( 3 ) A consumer is defined as any natural person obligated or ALLEGEDLY obligated to pay any debt.. Fifth Third Bankis a debt collector. Title 15 USC 1692a ( 5 ) The term debt collector 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. The credit is created by the signature of the natural person/original creditor. I I DON'T want Fifth Third Bank Trafficking my access devices ( credit card info, mobile identification number, personal identification number & account number ) without my authorization to XXXX, XXXX, & XXXX. Title 18 U.S. Code 1029e1 the term access device means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds ( other than a transfer originated solely by paper instrument ) ; Title 18 U.S. Code 1029e5 the term traffic means transfer, or otherwise dispose of, to another, or obtain control of with intent to transfer or dispose of ; Title 18 U.S. Code 1029a6 Fraud and related activity in connection with access devices Whoeverwithout the authorization of the issuer of the access device, knowingly and with intent to defraud solicits a person for the purpose of ( A ) offering an access device ; or ( B ) selling information regarding or an application to obtain an access device ; I am exercising my RIGHTS UNDER TITLE 15 CHAPTER 41 CONSUMER CREDIT PROTECTION Denied me my rights & CREDIT under chapter 41 is DISCRIMINATION Title 15 U.S. Code 1691a ( 3 ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter. 15 U.S. Code 1691e - Civil liability Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection Fifth Third Bankobtained my credit under false pretenses! 5 U.S. Code 1681q Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. you have 10 days of receipt of these affidavits of truth to respond under penalty of perjury to this matter. If you do not comply I will be taking further actions You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. If you fail to respond or settle I will pursue a default judgement against you pursuant to Rule 55a of Federal rules of civil procedures.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
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: This relates to my original CFPB complaint number XXXX about my Mastercard with Fifth Third Bank. This was about a fraudulent charge to my card in XXXX, 2021 to The XXXX XXXX XXXX. The company replied to me about the complaint saying this charge was legit as it was made by another authorized user of my card. This is a lie, and is impossible since I'm single, live alone, and am the ONLY user of this credit card. XXXX XXXX, an employee of the Office of the President of Fifth Third Bank is the contact person the company assigned to my original CFPB complaint. We talked briefly a few weeks ago when he first got my complaint. Since receiving their decision letter, I have tried numerous times to reach out to him to discuss and have him explain just who this alleged " other authorized user '' supposedly is. All I get is voicemail when I call. I have left messages and no reply yet from him. Since there are NO other authorized users on my card, the whole reply to the original complaint is fraudulent. I want the original complaint re-opened and an explanation about who this " other user '' is supposed to be.
Company Response:
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been trying to close the escrow account that was opened by Fifth third bank as I am not required to have escrow. I am currently paying ( in advance ) my own taxes and insurance Fifth third bank is requiring me to maintain a cushion which is not a requirement of my mortgage agreement, they're also falsely reporting my payments as late and not applying my mortgage payments to the account my loan agreement allows me to pay my own taxes and insurance which I am currently doing, they're in violation of the loan terms and agreement
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I noticed two {$3.00} fees attached to interbank transfers I made. I have transferred funds between these two accounts many times in the past and have never been assessed a fee. When I brought this to the attention of an online rep, I was put on hold for over 10 minutes and then told that she could not help me. I asked for a supervisor to contact me. She asked for my phone number, which I gave her. No one ever called. So, to summarize, I was charged {$6.00} in bogus fees and no one at customer service could reverse them even though the rep admitted that were not appropriate charges. I got stuck on hold for a long time, told I couldn't be helped. It was suggested to me that I go to a branch. I suggested that a supervisor call me which I was promised. No one called. Looking at the amount of complaints from consumers against 5th 3rd, someone ought to step in and give these crooks some negative consequences. It's shameful.
Company Response:
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: Received a text message from XXXX ( XXXX ) XXXX with the message 1ALERTS : Dear Fifth Third Member, we have received a XXXX Transfer request of XXXX $ to ( XXXX XXXX ). Not done by you? Review https : XXXX. I do not have a fifth third account so this is obviously falsified and fraudulent.
Company Response:
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have sent FIFTH THIRD BANK a letter of validation on XXXX, they failed to verify the debt in 30 days, i demand to comply. by law this account must be removed if they cant provide proof.
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A