Date Received: 2021-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account at Fifth Bank was opened in XXXX of XXXX. I stopped using this account in XXXX of last year. The primary reason I stopped using the account was a direct deposit would be made on Friday at XXXX XXXX each week. My deposit would not be credited to my account until Tuesday or Wednesday of next week. I received a check from a very reputable law firm. The check was about an average paycheck amount. I went into the branch at fifth third bank to deposit it. Before depositing it I said to the bank teller how long will this check take to process. She told me it would post at midnight and the funds will be available the next day. The next day I checked my online account and there was no record of a deposit being made yesterday for the amount credited to my account. I called the XXXX number to inquire about the status of the check. After going through the gauntlet of prompts and extended times on hold the phone representative told me she could not answer any questions about my account that I would have to go to the branch and talk to them directly. On my way into work I called the local branch. After going through the gauntlet of prompts and extended hold time a branch representative asked the call. I explain the situation to the branch representative and ask what the issue was with the check. She told me there was a hold on the check for at least 8 days. I ask to speak to a manager while changing direction to go to the bank. After waiting on hold again the bank manager answered the call. She started asking me security questions to verify my identity. I told the manger hold that thought until I get there. I on my way I arrived at the branch within 5 minutes of the call. When I arrived at the bank there was a local sheriff standing next to her car in the bank parking lot. I when into the bank with the sheriff shadowing me. Walked up the the teller and ask to see the manager. The teller offered me a seat while I waited. From across the lobby sitting behind her desk the manger invited me into her office. With the sheriff stand out side the manger office I explained that I deposited the check because the teller told me it would post that evening and funds available next day. The manger told me that the teller did not say that to me. I asked the manager if she witnessed my conversation with the teller? Knowing she did not I told the bank manager dont question my integrity! The manger repeated the 8 day hold on an instate check. I told the manger have a nice day and walked out. An hour later I contacted the local sheriffs department non-emergency phone number and ask for the responding officers name and how to get a copy of the report. The sheriff office representative researched the call. She told me that the call was closed with no report. In other words, the responding office found no evidence to support why they where call. A hour or so after incident at the bank I received a call from a corporate security office of the bank. He wanted to ask me about what happened. Being shocked by what happened at the bank and very concerned about it. I reluctantly explained my experience at the bank. I did raise the question with him : what was the mangers motivation : ( 1 ) is the manager professional in over her head and her professional and/or personal frustrations coming outside at me? ( 2 ) was the mangers action a deflection? The conversation ended with the security officer at the bank suggesting I speak with the bank manager at the branch I opened the account. I spoke with the bank manger at the branch I opened the account. He told me the check cleared their system but was flagged by another system. He said it happens when check drawn on problem accounts like too many overdraft or fraud. Circle back to the check is from a law office. Lawyers dont write bad checks they tell you wait for the money. I reach out to the bank again this morning XXXX XX/XX/XXXX. They now have changed the availability date. Its been extended by two days. Since my direct deposit were not credited to my account for XXXX or 6 days after being deposit the extended holds on my check are very suspicious. My interactions with the bank managers who made a false police report also add to my suspicion that something is seriously wrong.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: OnXX/XX/XXXX I initiated a bank to bank transfer from my Fifth Third Checking to my checking account with another bank. I initiated this transfer for the full amount in my 5/3 checking, as I needed the funds to cover a bill in the other account. It allowed me to initiated the transfer, and at no part in the process did a detect a disclosure of any fee associated with the transfer. Additionally, I did not even suspect there would be a fee, as there is not a fee for this same service at my other bank. None the less, I reviewed my account on the morning of XX/XX/XXXX and detected that they had withdrawn {$3.00} more than my requested transfer amount, causing my account to become overdrawn. I contacted customer service, explained that nowhere did I detect a clear fee disclosure, that I could have simply made the transfer from the other bank if I had known there was a fee, and/or I could have made my transfer for {$3.00} less in order to cover the fee. I requested Fifth Third to reverse the fee. They said they can not. I requested proof of the fee disclosure during the transfer initiation process. They could not. They provided a PDF copy of the main account disclosures, but could not, or would not provide proof that the fee is disclosed during transfer initiation. This seems deceptive to me, by not clearly and boldly displaying the fee at the time of transfer, in addition to even allowing the overdraft to occur by allowing a transfer which exceeds the total sum of the balance plus the fee. This is not even to mention the poor customer service not to just take care of a {$3.00} misunderstanding.
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2020 XXXX Bank collected a mortgage refinance fee of {$390.00}. Roughly 3 months later there had been no activity on this request. I called in and said that I wanted to withdrawal my application as the process is taking to long and we are thinking of buying new instead of refinancing. They agreed and apologized for the inconvenience. The loan officer, XXXX XXXX told me he would have to get the approval to get the fee reimbursed. He called me soon after and said that he got the approval from his manager. After waiting a couple of weeks, I called back to see what the status was on the refund. At that time I was told that I need to apply that reimbursement to the new loan application. I pushed back as that was not what I was told. XXXX apologized and said he would go back to his management to get clarification on this. He went silent at that point. I followed up several times via email to get a status update on this. I had canceled my application with them based on the fact they said they would reimburse the application fee. I then spoke with XXXX XXXX in the Office of the President, who also confirmed that if we told you something we will make it right. I am now being told that they didn't find a recorded phone call with this information. I have the name of the individual ( XXXX XXXX XXXX, who told me via phone that they would reimburse me this fee via check. The complaint office says they do not do reimbursements on application fees. I was lied to, made decisions based on those lies, and now am in the hole {$390.00} and several hours of disputing this with XXXX.
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Lienholder is Fifth Third Bank I requested that all payments over the monthly payment be applied to the principal only. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments have been placed in a BP curtailment account. The monthly payment is being reduced and the additional payments do not appear to be applied to the principal. I have called to confirm this multiple times and requested documentation stating that my request are being honored to no avail. I am being told they can not put in writing my request and confirm the exact allocation of funds.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: Not sure of date however i believe it was in 2019 that my vehicle was repossessed however i went the same day and paid all neccessary fees in which my vehicle was returned. I went to check my credit and was told there's a repossession fha is hurting my credit profile. I have paid all my debts and doing my absolute best to repair and this is the only thing in the way. I'm in search of help to remove this negative cloud off my credit report profile. Please any help in the right direction please. My car loan is from Fifth thrid bank i called them to assist and they forwarded me to this website
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Fifth Third Bank will be closing my account within the next 35 days due to undisclosed " risk factors ''. I've been a Fifth Third Bank customer for the past 6 years with an impeccable record. I've only used my account to receive deposits from my employer and make payments to my credit cards, car, and rent payments. The average balance has always been about {$14000.00}. There's nothing crazy going on. Fifth Third Bank came out of the blue and closed my account without a reasonable explanation. This is unfair and I consider this a really bad practice. Furthermore, they're arbitrarily prohibiting me from doing business with them after multiple years of a good relationship. Please help dispute this arbitrary decision to make Fifth Third Bank revoke it. There's no real reason to close my account.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2021, I went to the Fifth Third Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX to open a checking account. I had an invitation code that gives me a {$250.00} welcome bonus. XXXX XXXX, the banker who opened the account for me, didn't use my invitation code and stated that she already has this offer in the system and will apply it to my account. When I went back home, I realized that she signed me up for the {$150.00} welcome bonus instead of the {$250.00} so I went back to the bank and this time I met with XXXX XXXX, the branch manager, he asked me to email him the invitation code, which I did. He reassured me that he will manually add the additional {$100.00} after I meet the requirements. On XX/XX/2021, I received an email from XXXX XXXX saying ; I am reaching out to inform you that we have submitted the adjustment for your {$250.00} bonus offer and it will be credited to your account after processing. On XX/XX/2021, only a {$150.00} bonus was posted to my account. On XX/XX/2021, I emailed XXXX XXXX to inquire about the additional {$100.00}. On XX/XX/2021 She replied ; I have been working on getting the other half of your bonus. I was told to submit another form for the correction and then you should see your {$100.00} in your account. It has been 6 weeks since the {$150.00} bonus posted to my account and I still didnt receive the additional {$100.00}.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 a check # XXXX written by myself to XXXXXXXX XXXX for {$240.00} for a Doctor bill was deposited into an account at Fifth Third Bank in Ohio. I have contacted Fifth Third Bank on XX/XX/2021 and explained that this check was never received by the intended payee and that they do not have an account with Fifth Third Bank which was confirmed by Fifth Third Bank. I requested my {$240.00} be returned to my checking account and the Bank manager refused to help me and stated I needed to have my Bank XXXX XXXXXXXX XXXX Contact Fifth Third Bank which I did. On XX/XX/2021 XXXX XXXX XXXX over night express mailed a copy of the deposited check front and back, as well as information from the Federal Reserve, my account number and the routing number and requested that the {$240.00} be returned to my checking account asap. They also informed Fifth Third Bank that they believe this check # XXXX for {$240.00} was intercepted in the mail and deposited fraudulently since the intended payee does not hold any accounts with Fifth Third Bank. It is XX/XX/2021 and Fifth Third Bank has not responded to any documentation from my bank or returned my fraudulently deposited check that they had no right to negotiate since the payee holds no accounts with their Bank.
Company Response:
State: NY
Zip: 148XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Last year in XXXX, my home insurance went up, which changed my payment. I called my insurance company and they did a discount. However, due to Covid, I was not able to get through to the bank. When I did ( in XX/XX/2020 ) I spoke to a lady named XXXX, who was the very very very rude. I paid my principle and interest every month until we could get the insurance problem resolved. I emailed and faxed letters and letters. FINALLY, we fixed the problem, however, my credit score still shows late payment. I kindly asked Fith-Third Bank to remove my escrow. They said after 5 months of on time payments they would. They never did and screwed up again on my escrow and now they are saying I am late again. This is ruining my credit. I am paying them my principle and interest. Now, they want to say I am late on PREPAID INSURANCE, that I requested to be taken off my account ... ... ... I have had a home for over 20 years and this is the first time I have ever been late or had a problem.
Company Response:
State: OK
Zip: 739XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had a checking account with a bank. For 2 months they charged me {$11.00} a month for not having direct deposit enrolled with this account. For those two months I had a positive account balance and over {$300.00} in the account. The cashier was pleasant but only tried to sell me on another product and would not reverse the charges. I closed my account and do business elsewhere. During this time of mass unemployment, lets say I was XXXX and my direct deposit was terminated. I would be hit with unemployment and their fee.
Company Response:
State: MI
Zip: 48603
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A