Date Received: 2021-08-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX XXXX, I called at the customer service of 53 bank to request only 3 months of paper bill for the month of XXXX, XXXX and XXXX of XXXX, she said its only $ XXXX page so I said its only about $ XXXXBut I was shocked I was charged a Photocopy/Research Fee of {$120.00} .. The representative I spoke to on XX/XX/XXXX told me that the previous rep had printed 2 years worth of paper bill but they cant waive it. I spoke to several agents after on the same date XX/XX/XXXX who told me they cant dispute it because its coming from their bank ..I spoke to supervisor named XXXX on the same day as well on XX/XX/XXXX, who wasnt able to resolve the issue..I even call the actual bank manager in downtown XXXX XXXX who told me that he will stick to the decision of the previous rep to just give me {$15.00} when I in fact was charged $ XXXX.this is really frustrating and I want to cancel this account because I dont want to pay when this is obviously a bank error on their part .Poor customer service.
Company Response:
State: IN
Zip: 46805
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third Bank has either lost or misapplied a mortgage payment we made, they are misreporting our mortgage account status, and are attempting to collect additional fees incurred by errors made on their end. We have done everything possible to get clarification and resolution to this matter directly with the company, but they are vague and evasive in their responses, and maintain that we missed a payment, despite having proven otherwise to them. During this entire ordeal, we have encountered numerous contradictions and inaccuracies in our dealings with their representatives, both verbally and in writing. This began when we received a letter from Fifth Third dated XX/XX/XXXX ( attached ) stating that we were past due and they were seeking payment, assessing late charges, and threatening the loss of our home. This was impossible since we had just been discharged from a Chapter XXXX Bankruptcy and had received a Response to Notice of Final Cure Payment executed on XX/XX/XXXX ( see attached ) by Fifth Thirds attorneys ( XXXX, XXXX XXXX XXXX, XXXX ) stating : - Creditor agrees that the debtors have paid in full the amount required to cure the prepetition default on the creditors claim. - Creditor states that the debtors are current with all postpetition payments consistent with 1322 ( b ) ( 5 ) of the Bankruptcy Code, including all fees, charges, expenses, and costs. Since their response indicated we were current and had not missed a payment during the bankruptcy, and we knew we had certainly not missed a payment between XX/XX/XXXX and XX/XX/XXXX, we thought this would be fairly easy to resolve. It was not, and continues not to be the case years later, despite our best efforts, which is why we seek the assistance of the Consumer Financial Protection Bureau. For over a year from that point, between XX/XX/XXXX and XX/XX/XXXX, we spoke with various Fifth Third representatives trying to determine why and when they were claiming we missed a payment, and were never given a concrete answer. Throughout this period, their representatives contradicted each other as to when they thought the payment was missed, if they could even give me an answer at all. Many could not see when or where a payment was missed. ( See attached call log and notes. ) They never gave me a definitive answer during this time, nor were they able or willing to firmly assert when the missed payment occurred in writing. They basically just said you missed a payment and we cant see when or where that occurred, our system shows that, so it must be true. This is despite having proof of all payments made to, and cashed by, Fifth Third Bank. ( These bank statements can and will be supplied upon request, but it is a very large attachment in and of itself, so I am not attaching them unless specifically requested by CFPB. The bank has been sent this information already. ) I am also including three consecutive monthly statements from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached ) showing gross inaccuracies from month to month as to how much we owe, despite a regular monthly payment being made each of these months : - In XX/XX/XXXX they showed a past amount due as {$3600.00}. - In XX/XX/XXXX they showed a past amount due as {$28000.00}. - And in XX/XX/XXXX they showed a past amount due as {$2800.00}. There is no rhyme or reason to these, and this is just one sampling of three months of consecutive statements to show that their accounting is not accurate or trustable, and is evidence that it is highly likely they misapplied or lost the payment they allege was missed, or their accounting and records are inaccurate. Due to the fact that between XXXX of XXXX and XXXX of XXXX, nobody could pinpoint when or where a payment went missing, nor would they put it in writing, we insisted on Fifth Thirds Office of the President reviewing the matter. It took from XX/XX/XXXX to XX/XX/XXXX for the Office of the President to review and finally determine when the payment was missed and put it definitively in writing. ( See attached correspondence ) To summarize their findings, they claim that we sent in a payment that was {$12.00} short each month for an entire year from XX/XX/XXXX to XX/XX/XXXX. This caused them to put the initial short payment of {$2700.00} into a suspense account and draw {$12.00} from it each month to satisfy the next months payment. It took over a year for anyone in their organization to figure this out, and was attributed to a monthly payment shortage of {$12.00} from an increase in escrow which we were never notified of at that time. ( They claim they sent it, but have not provided proof of it being sent or received. Furthermore, their representative XXXX XXXX asserted that the change in escrow amount was sent to us at our home address. This was false because all correspondence during our Chapter XXXX was sent to our attorneys, not to our home address. Our attorney representing us during the Chapter XXXX reviewed the file and did not find record of it either. ) Regardless, despite the fact that their Response to Notice to Final Cure Payment precludes them from being able to go after it, we offered to pay the grand total of {$150.00} deficit so that they could apply it to the money presumably remaining in the suspense account and bring the account current, to simply resolve the issue. ( See attached correspondence dated XX/XX/XXXX ). They responded saying that would not suffice, because we had missed an entire payment. ( See attached correspondence dated XX/XX/XXXX. ) This is untrue and backed by bank statements we sent to Fifth Third. We made a payment every month. They may have been short {$12.00} during that time period, but an entire payment was never missed. And the payment they put in a suspense account can not be accounted for by them. It was never returned to us, and there should have been {$2600.00} sitting in a suspense account ... ( {$2700.00} was our monthly payment at the time, minus the total shortage of {$150.00} ). To this day, they cant account for that {$2600.00}. All they do is send an entirely indecipherable history of payments that took them over a year to assess, and tell us to find where that money went or was applied, all while maintaining we missed an entire payment, tacking on late fees, and harming our credit standing. Furthermore, and simply put, considering they claim the missing payment occurred between XXXX and XXXX, when we were in the middle of the XXXX XXXX Bankruptcy, they have no right to claim or go after the alleged missing payment. It is in violation of the bankruptcy code, and they signed off on the attached Response to Notice of Final Cure Payment as stated above. At this time we want our account brought current, and to dismiss all fees and penalties they are trying to apply, as we have not missed a payment since the Chapter XXXX Bankruptcy was approved by the court in XXXX. Furthermore, we want all applicable credit agencies to be notified that we have made payments to them without a missed payment since the beginning of the Chapter XXXX Bankruptcy was approved in XX/XX/XXXX. Thank you for your time and consideration, and we look forward to your response. Please let me know if you need any other information or supporting documentation.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Step 1 : What is this complaint about? The Fifth Third Bank at the XXXX Fl, branch closed my checking account without prior notice and without legal reason. Step 2 : What type of problem are you having? A wire transfer made to the corporate account was rejected, so the fees paid were lost. Step 3 : What happened? On XX/XX/2021, I opened a corporate checking account at Fifth Third Bank at the XXXX Fl. Branch with an initial deposit of {$19000.00}. In this corporate account I indicated that 90 % of the company belongs to me and 10 % belongs to my sister, XXXX XXXX. I also opened a personal account and deposited {$50.00}. On XX/XX/XXXX, my sister received a call from an alleged private investigator and asks for various account details and arrogantly questions if we had paid the company 's taxes, an aspect that bothered my sister because the company is new and we don't have any Tax obligations yet and, above all, because of the tone in which this lady expressed herself ; obviously you can not inform anyone who calls on the phone trying to obtain financial information. My sister immediately notified me of the call and I wrote an email to the bank asking if the call was official, my sister also called the bank to find out what the reason for the call was. The person in charge of my accounts in the Bank responded by giving me a list of documents that I had to present, including a Business Plan. On XX/XX/XXXX, I responded by clarifying that all the documents that she requested were presented at the time of opening the accounts and the only thing missing was the Business Plan, that was not presented since I was not requiring any financing from the Bank, anyway I sent her again the submitted documents. On XX/XX/XXXX, and as I didt receive any communication from the Bank, I called the Branch Manager, XXXX XXXX, who asked me for a phone number to make a tripartite communication with the investigator. However, that call was never made. That same afternoon, as a result of my phone call to XXXX XXXX, I suppose, the manager of my account, Mrs. XXXX XXXX, wrote me another email in which she asked me to present the Business Plan without indicating if there is a deadline to present that document. On XX/XX/XXXX, I sent the requested Business Plan to the Branch Manager ; On XX/XX/XXXX, he answered me indicating that bank protection closed my accounts. On XX/XX/XXXX, my partner in the project being invested in XXXX visited the Branch Manager and they called me on my cell phone. At that time, the Manager XXXX XXXX informed me that on XX/XX/XXXX the Bank closed my accounts. In other words, the Bank closed my accounts without giving me prior notice, an aspect that harmed my business since my company was to receive an international wire transfer for $ US XXXX, which was rejected due to this arbitrary closure and without prior notice. From everything explained I have emails and documents, even about the rejected wire transfer.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: A check from a water company in Illinois payable to a leasing company in Minnesota for {$2300.00} cleared the checking account I hold jointly with my husband. Fifth Third took this money from our account instead of the water companys account. The bank stole our money from our joint checking. The check that cleared has nothing to do with us or our account. The companies involved have nothing to do with us. The account number of the check and our account arent even close. This happened on XX/XX/XXXX, I called the bank on the XXXX. Took almost 2 hours back and forth between the dispute department and customer service to finally get a claim number. I was told it would take a couple of days to fix. Not fixed this morning on day 2 so I called again. Apparently the case was denied and closed!! Meanwhile this whole time my account is overdrawn and getting overdraft fees. They took the overdraft fee off today and submitted a new claim. Said it would take at least 3 business days to hear anything. That is 5 more days because it is now Thursday. So I may hear back, and it may be fixed, next Monday - 11 days after they first fraudulently took money from our account - I am not holding my breath. I would like the money to be returned to our account immediately.
Company Response:
State: OH
Zip: 43616
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I reported my identity compromised and debit cards stolen on XX/XX/2021 to my bank Fifth Third National Bank. The cards were not canceled and an identity thief was able to conduct transactions on 4 different accounts using ALL 3 debit cards, making fraudulent and stolen check deposits and withdrawals at a banking center, transfers at a teller level, gained access to online banking and PIN number up until XX/XX/2021 even after NUMEROUS calls to disputes, bank protection, branch locations, and various supervisors. Several investigations have been done, without my oversight ( as bank protection has decided to close my accounts ), leaving me with no online access and XXXX frozen accounts. Due to the bank, and Vice President XXXX XXXX of the XXXX XXXX Fifth Third Branchs breaches of duties to protect my accounts, XXXX whom I asked personally to lock my accounts and he chose not to on XXXX XXXX resulting in MORE fraudulent transactions occurring at his branch, I am unable to withdraw any funds from wither checking account due to a negative balance in my savings. The investigation has stated my transactions were fraudulent and this imposters were legitimate, and was told there is NOTHING i can do. I have been served eviction paperwork in the 30+ days I have NOT had access to my funds. I SHOULD NOT BE LIABLE FOR THE BANKS FAILURES TO LOCK DOWN MY ACCOUNTS AFTER REPORTING TO THEM THE ISSUES!
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: 53 bank has placed 4 {$500000.00} dollar holds on 4 of my accounts that's XXXX XXXX dollars they say that is because the accounts are pending closure but how does that mean I owe them XXXX XXXX dollars so I have 4 account showing negative {$500000.00} dollars how is it that banks can just put a levee on an account like that I don't owe them XXXX XXXX dollars
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: THESE ARE erroneous inquiries reporting to my file
Company Response:
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2021, I filed two debit card disputes with 5/3 bank. On XXXX the merchants refunded all charges, but 5/3 refused to waive any fees. I have been on the phone with multiple reps and " supervisors '' who alternately tell me yes and no anbout the refunds, but nothing happens.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had deposited a check at 5/3 bank for {$9500.00} XX/XX/XXXX. The check was written out to me with my married last name. Two of my bank accounts still have my maiden name on them. 5/3 reversed the check off by the following day. Initially, the check was available so I had spent a small amount of money. I can't access my account anymore otherwise I would be more specific. I called to find out why the deposit had been reversed and they explained that my maiden name was on that account and the check reflected my married last name. They said the check would mailed back to me within the next couple of weeks without being cashed. I advised the 5/3 rep that I was going to issue another check with the matching last name for the same amount and deposit again ( check number XXXX ). I also deposited enough cash to cover charges on the account from when the check was in my available balance. I looked at the receipt and they did not make the funds available. I needed access to the funds so I called 5/3 again to find out what the problem was. They told me a hold was placed on the check and wouldn't be released for about 10 business days. I explained that I needed the funds and they said there wasn't anything they could do to speed up the process. I asked the 5/3 representative if I could stop pay the check and have it re-issued to deposit at another bank? Since I couldn't access the funds, that wasn't a problem. It would just be reversed off again as a check that was stop-paid. I told her that is what I was going to do because I couldn't wait for the funds. A few days later ( XX/XX/XXXX ), I get an email notification from 5/3 that my balance was - {$490000.00} so I called thinking that my account had been compromised. They transferred me and asked me to explain the activity with the checks. I told them exactly what is described here, and they said they would follow up with me if they had any more questions. A couple weeks later, I got a letter in the mail that they had closed my account and they would mail me a check or bill if anything was owed at a later date ( I think 30 days ). I was annoyed by the whole situation so I didn't care at the time. I had an early access account as well as a checking so I could possibly have owed them when was closed completely. In XXXX of XXXX, I received a collection notice from XXXX XXXX , XXXX for {$110.00} saying that was still owed to 5/3 bank. I immediately sent a check on XX/XX/XXXX. I did not receive any notification prior to the collections demand. I was furious and happy to be finished with 5/3 bank. In early XX/XX/XXXX, I opened up a business savings account where we have our business checking. The bank ran a couple different financial background checks at the time. About a week later, I tried to make a deposit, and they froze our business account as well as our savings. They also froze my personal account. No one at the bank could tell me why-only that I needed to get the report from XXXX XXXX XXXX. I requested the report and it took about 2 weeks to get back. The report was prepared on XX/XX/XXXX. It shows that 5/3 bank reported that my account was closed due to checking account fraud. I did not commit fraud. I spoke to the people who represent 5/3 bank and they knew what I was doing before I did it. I can not explain how horrible this situation has been. Our business was not able to make any type of deposits for about two weeks. The checks we had out already were returned to the companies because it was frozen. We had to contact these companies and pay many fees as well as resubmit payments to all. I had to be removed from all business accounts in order for them to be reopened which has been humiliating. My personal account is still frozen due to this error. I need the negative remarks removed from my reports.
Company Response:
State: MI
Zip: 49426
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: -- As a customer paying off an auto loan account in full, incurred interest charges that were applied as the payment was processed. Could ruin the mortgage process for a 30 day late payment. I attempted to pay off my auto loan, using the payoff amount as listed in the more details tab on XX/XX/XXXX. After submitting the payment of $ XXXX. My installment account balance stated {$0.00} for several days after i paid off the account. However 30 days later i receive a notification to personal capital about a fee from Fifth third bank about a late fee. I reached out to the bank about the {$35.00} late fee and was just told it would be removed with no real explanation about why it occurred. Again I checked my app and it states a balance of {$0.00}. The Next week I received a notice that my account is now in default for the amount of {$3.00}. I try to pay this amount off on the app and get a system failure because the balance states {$0.00}. I receive a call to get this amount paid off and finally pay the small amount of interest. I had the ability and willingness to pay this interest amount but was uninformed that any amount was due. Now as a consumer in the middle of trying to secure a mortgage loan I receive a credit bureau report of a late 30 day payment. 5/3rd bank has an intentionally deceptive UI screen that will hide the incurred interest in a smaller drop down window, unhelpful customer service reps, and a system that is unable to take a {$3.00} charge. As a consumer who has unblemished credit, i may miss out on historically low rates due to these practices.
Company Response:
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A