Date Received: 2021-07-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After receiving the response from 5th 3rd bank stating that they needed more information to accommodate my XXXX. I contacted the bank the best way I could for equal access. I first spoke to XXXX, who indicated that since I had made a CFPB complaint she could not help me and that only persons who were not at work could help. She refused to serve me. She did transfer the call to XXXX, I asked XXXX what info they needed. She said they needed to know the type accommodation I was seeking. I told her " effective communication '' she said that I needed to be more specific, I tried to explain the difficulty I have with access but she refused to accommodate my XXXX and refused any process to figure it out. Instead she shifted the burden to me and told me I had to be more specific. I told her we could start at CFR 35.160. She refused to look it up. And refused to further the process to accommodate my XXXX. 5th 3rd bank also lied to the CFPB regarding the insurance requirements. They are now charging me {$2300.00} per year for insurance. They said they they are taking the insurance payments out of my escrow acct. In the end they hung up on me after telling me they would hang up on me. They refused to serve me at the time I needed and are still charging me for insurace on a home that burned down. I also no longer have access to my escrow for the home rebuilding. They have removed my access saying I can only speak to " XXXX '' yet my acct is at 5th 3rd. When I call the president office they do not verify who they are speaking to and make assumptions based on caller ID. Since caller ID can be spoofed, this compromises my security as it could be anyone
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hello, This is my third attempt due to the bank responding with incorrectly. They responded with documents provided that does not showcase that they attempted to contact me about not receiving payments until AFTER the repossession of my car. I was under the assumption that I was on automatic payment. Never received a phone call, voicemail, online message, etc. from Fifth Third. They continue to provided documents showing the missed payments NOT the attempts to contact me. You are not allowed to do what they did as a company without contacting the buyer. Also, beginning XX/XX/XXXX they proceeded to take out DOUBLE PAYMENTS in my autopay. I had to call multiple times to resolve this issue and try to receive the the incorrect additional payment back. I still have yet to receive the physical check they said they had to send instead of refunding it directly to my account. I now am OFF autopay because I do not trust this company and will continue to make my payments on time as I do with all my other financial responsibilities. Please check my credit history for proof if needed. PLEASE ADVISE! Below is the full description of the incident. Remember every time this company responds to this manner they show documents of my MISSED PAYMENTS NOT THE ATTEMPTS TO CONTACT ME ABOUT THE MISSED PAYMENTS. THEY DID NOT CONTACT ME EVER UNTIL I DISCOVERED MY CAR WAS REPOSSESSED. I was never properly notified about any missing payments for my auto loan with Fifth Third Bank. I set up automatic payments in XX/XX/XXXX in which I was just told XX/XX/XXXX that it was only set up for two months and stopped XX/XX/XXXX. I was told the bank sent me automatic operative phone calls to notify me but those numbers come up as SPAM on my XXXX so I do not answer them. I was never given a voicemail, letter, inbox/documents tab on their online banking, etc. about missing payments. I did not know about this matter until I walked out of my home Friday afternoon XX/XX/XXXX to find my car was missing. I immediately called XXXX thinking it was grand theft auto but come to find it was repossessed due to the missing payments. I am a very responsible person and make sure to pay my bills on time so I was in utter shock to find this information to be true. I spoke with the company numerous times in which they would not allow me to speak with a representative due to them being busy. I was told there are only 2 supervisors working compared to the 300. I would love to resolve this issue and miscommunication because it was drastically affected my credit history/score. Thank you for your time and looking forward to hearing from you. For reference my payments are around $ 311/month and I had to pay a total of {$1400.00} to receive the car back. I have paid the past due bill in full as soon as I heard of the event and scheduled payments through XXXX in which that is how far the representative would allow me to go. I am in the process of trying to retrieve DOCUMENTS SHOWING THE PHONE CALLS THEY CLAIM TO MAKE THREE TIMES A DAY TO CONTACT ME! NO RESPONSE FROM THE BANK. The bank is claiming that they notified me which I did not receive XXXX notification ( phone call, letter, online, etc. ) They have sent me MULTIPLE letters a day AFTER I repeat AFTER XX/XX/XXXX when I discovered this issue!! I find this very interesting because I did not receive NOT ONE letter in the mail notifying me of any missing payments but now ever since XX/XX/XXXX ordeal I receive MULTIPLE letters a day from the bank. They are claiming that I did not login since XXXX into my online banking in which is true because I was under the under the assumption I set up automatic payment and since I was never notified I didnt think I was missing any payments. The bank proceeded to deny this and claim that what I am claiming is false which is NOT true! I have attached all records indicating this! Fifth Third Bank please provide all records showcasing the phone calls they claim to make or letters they claim to send or any notification they claim to make please send them my way for my legal records. I REPEAT ... Fifth Third Bank please provide all records showcasing the phone calls they claim to make or letters they claim to send or any notification they claim to make please send them my way for my legal records. The records they mailed me and included on this claim does NOT show me and prove that they attempted to reach out to me the record just showcased the other long contract and the loan history. I am very concerned confused and disheartened by this. Thank you again for your time. Best, XXXX
Company Response:
State: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: FIFTH THIRD BANK violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), and 15 U.S. Code 1681 ( A ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave FIFTH THIRD BANK any written consent to report anything on my consumer report. No consent is Identity Theft. Pursuant to 15 U.S. Code 1681 ( A ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.. This law is stating that our consumer reports are our reputation. Under 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave FIFTH THIRD BANK any written consent to report anything on my consumer report. No consent is Identity Theft. You reporting something on my report without my consent is negatively impacting my reputation. This is a violation to my rights. Also, the debt listed below is a bad debt, so it is definitely hurting my reputation.
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The money in the estate account that I controlled was removed with XXXX fraudulent checks between XXXX and XXXXXXXX XXXX because the XXXX fraud protection had collapsed. There were many indicators that the checks were fraud but due to XXXX 's carelessness they made unauthorized payments to XXXX XXXX. The XXXX resolution after the initial dispute process was that one check would be given credit and the other checks were denied because of bank policy. The care management team is for the care of XXXX and not the customer. That is why I am reaching out to the Consumer Financial Protection Bureau for help because they are not operation fairly. The important issue is that all the money in my account was stolen while it was in their care. I was trusting them to keep it safe. There was a crime and the law was broken.
Company Response:
State: OH
Zip: 44136
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I tried to call Fifthird Bank at XXXX at XXXX XXXX XXXX and XXXX XXXX - which I never got respond from them. I have been calling IRS who said Fifth Third should provide tracking numbers or instructions of {$7000.00} why it was sent to IRS. IRS doesn't have the check and also there is no clues. Can they give the tracking number and proof that it was sent to IRS or transactions was clear from fifth Third Bank. Can somebody kindly help me. Thanks XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a dispute then ending up in another dispute with with the bank. Ive Been with 5/3 for 5+ years during that period I have been late on payment once maybe twice, after opening a dispute I was given incorrect information ( on a recorded line that was reviewed and confirmed ) by their representative who advised me not to make any payments on the amount in dispute which was my entire balance at the time yet still I was charged late fees which they refused to waive even after it was confirmed the rep gave me wrong info. So my claim was denied and I was charged 2 late fees on top of my dispute amount.
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: About 8 letters in response to my dispute and each letter has a different summary that doesnt reflect the status
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2021 I got direct deposit routing number from chat online from the bank. It was the wrong routing number. Corrected it XX/XX/2021 with the bank and payroll of my job by phone. I have been in contact with my payroll and the bank almost 2 and half weeks. Now receiving a new deposit. Yesterday {$500.00} hit my account I am due another deposit of {$500.00} as we have entered into a new pay period. This is a problem because this is must use system and it does not correct it self effectively. I am being told inconsistent things and the bank gain the interest on the funds delayed. I dont I am late paying my rent and bills. I have enough to figure out on my own. This system is a hinderance if I had gotten paid on Friday by paper check then I could distribute my own funds without a third party or routing number. Please help me get my funds so I can pay rent the full amount.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Fifth Third Bank - In Fall of 2020 I gave {$50000.00} from an IRA to bank and instructed bank to put it in a callable CD ( I already had similar investments ). Instead, it was invested into something called XXXX XXXX XXXX XXXX against my wishes and direction. It was very clear as I had even had an argument with the lady when she suggested investing into anything other than CDs. I have since withdrawn the funds. I understand that XXXX XXXX XXXX XXXX are not secured by FDIC.
Company Response:
State: IN
Zip: 46131
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Fifth Third Bank employee pulled my credit report thru XXXX on XX/XX/XXXX and opened a credit card in my name without authorization or a request from me. I discovered this while refinancing a mortgage thru my credit union at that time. I contacted 5/3 immediately and had the card cancelled. The 5/3 employee I spoke with stated this was done in error and would not forward my complaint to management that this was done intentionally. I used to work at 5/3 and fully understand the sales goals placed upon the staff and have a good understanding of what occurred. The CFPB is currently suing 5/3 for these actions. 5/3 has scrubbed the unauthorized card history from my profile as of XX/XX/XXXX. I have a copy of my XX/XX/XXXX credit report showing the enquiry.
Company Response:
State: IN
Zip: 46804
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A