Date Received: 2021-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I already reached out to the credit bureaus and to Fifth Third Bank, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Company Response:
State: CA
Zip: 90601
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2021, I made a car payment using XXXX XXXX to pay on the loan that I have with Fifth Third Bank the payment that was made had cleared XX/XX/XXXX. On XX/XX/2021, Saturday at approximately XXXX in the morning I received a call from Fifth Third Bank demanding payment on the loan, I explained to the person on the other end of the phone that I did make my car payment they refuse to hear me out and just demanded that I tell them when I'm going to make the payment. On Monday the XXXX I contacted Fifth Third Bank and talk to customer service and all they wanted to know is am I going to make my payment for XXXX, and when I informed them that I already made the payment on XX/XX/XXXX they gave me 24 hours to prove it or pay and I was to use this reference number XXXX. I have three car payments left and planned on paying the car off after this payment and they are aware of this, I feel as if I'm being blackmailed into giving Fifth Third Bank an extra payment.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am a practicing, licensed RN and a full time faculty member at a private university in Indiana who has taken care of COVID patients throughout the entire pandemic and who has taught students how to take care of patients and become nurses. I applied for a loan from 5th 3rd bank in XX/XX/2020 and as of today, we have still been unable to close. I have submitted every single document they have requested ( verifying my income and bank statements 3 separate times, because they expire after 60 days ). The manager I have dealt with XXXX XXXX has missed scheduled meetings with me and has refused to give me the name of her direct supervisor more than once. I have emails confirming this. I have endured new onset of chest pain related to the stress of this entire process. I have done everything they have asked and have been as patient as I can be but I am now at my wits end. This is not right. Please investigate this matter.
Company Response:
State: IN
Zip: 47362
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I have contacted my bank to stop payment from being taken by some lenders. The bank charged me {$33.00} for each lender. Now these lenders still take payments on the scheduled dates. I spoke to my bank to let them know that the payments are still being taken. The bank is now saying stop payment is not guaranteed and they can't do nothing about it. The bank never said that to me that stop payment is not guaranteed by charging me for each service. I tried seeking help from my bank but they'll not helping so I need you guys to step in. Thank you. XX/XX/2021 XX/XX/2021 Those are the dates the money was taken from 3 lenders Amounts : {$140.00} {$100.00} {$100.00}
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In the end of XXXX, i was having some financial hardship due to the corona virus had been laid off from my job. I decided it was in my best interest to close my secured credit card account. I called them and canceled it. Was told the secured account would be applied to the account. At the time, my balance was {$290.00}. I had a {$300.00} security deposit in my savings that was on hold for the secured account. Usually gets applied within a week time frame. A month goes by, and noticed the security deposit is still in my savings account and has not yet been applied. I called them and was told it is in the process of getting closed out. Assured me that it will all balance out. Another month in a half goes by and heard nothing from them regarding this matter. I noticed the account dropped off my online profile. Called and was told it was now charged off and in collections!!! How can this be? The security deposit was suppose to be applied to my account by now. I would of had about {$9.00} coming back, instead, they put me in delinquency and had to pay them additional {$85.00} in fees, and reported me late twice on my credit report making me look delinquent! I am not the one in fault here, they are. They never once reached out to me and let me know what was going on with my account until months later while i was moving. This is unlawful! The security deposit would of covered the account balance! It does not take 60 days or more to close out an account and apply the security deposit to the account! I have had several XXXX XXXX XXXX accounts, and has never taken this long to apply the security deposit! I have never been late till they made me late! Had a very good record with them! Never missed one payment! They did credit me back for 1 late fee, but it is not good enough. due to this, I now have my credit damaged because they did not properly credit my secured credit card account in a timely manner! I am planning to get an attorney involve that deals with creditors that involved wrong doings. I am also planning to leave a negative feedback online so i can share my experience of how terribly i was treated! For 7 years, I have to live with those 2 late payments on my credit report when i did everything right! This is a careless act, and will not be tolerated! They last my business after this! They are responsible for fixing this, and crediting me back for all the late fees. The stall tactics are unlawful in this case!
Company Response:
State: IL
Zip: 60172
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XXXX I took out an auto loan for a new car with 5th 3rd Bank. On XXXX XX/XX/XXXX I mailed in the final payment. The check cleared my account XX/XX/XXXX. Later that day 5th 3rd had my fully paid off car repossessed! I was forced to pay {$1800.00} cash to get my car. I paid this at the branch XXXX XXXX XXXX XXXX XXXX, NC XXXX within 15 minutes of my car being stolen. I spent weeks trying to get my money refunded. I spoke with the manager XXXX who said the money would be refunded. He said they did not know where " which pot '' my money had gone into. The next week he left a voice mail saying the same thing. I have received a check for {$510.00}. No idea why this amount. My final payment was {$1200.00}. Again, cash required to get my car was {$1800.00}. This entire situation is completely nefarious! Requesting full refund of {$1800.00}. for overpayment.
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021 there was a fraudulent charge on my XXXX credit card for the amount of {$4900.00}. The following day XX/XX/2021 there was a second fraudulent charge on my 5/3 Bank credit card in the amount of {$4800.00} from the same company XXXX XXXX XXXX Indiana. This is how I discovered the fraud. I received an email from 5/3 Bank stating that my credit card has been activated when I did not activate a credit card or order a replacement. I checked both credit card accounts after receiving the email and noticed the fraudulent charges. I stated to the customer service representative at 5/3 Bank that I did not activate a card or order a replacement and that I had a fraudulent charge on my account. I informed XXXX as well stating that there was a fraudulent charge on my account. XXXX and 5/3 Bank removed the unauthorized/fraudulent charges from my account. One month later 5/3 Bank informed me that I am responsible for the fraudulent charges because it was a chip card and it was used to make the purchase and proceeded to put the full balance of {$4800.00} back into my account. XXXX resolved the issue and called me to inform me of a similar situation, the customer service representative stated that it was in fact a chip card that was used to make the purchase, I informed them that 5/3 Bank stated the same thing to me and then the XXXX customer service representative stated that a phone number from Virginia called in to activate my card and I informed them I had no knowledge of that number. I am still battling with 5/3 Bank to have this resolved, I have submitted a police report to them, my XXXX bank statement showing that the fraudulent charges were reversed, I also submitted the e-mail I received stating my card was activated. I was working in the state of Illinois at the time of the fraudulent charge and I provided a pay stub and detailed payroll information of my whereabouts on the XXXX of XXXX. After speaking with a 5/3 Bank fraudulent department manager I was informed that there were in fact ( 3 ) cards with the same number in circulation, in which I only had one on me. The past six or seven months before the fraudulent charge was made on my account the only thing that credit card was used for was a reoccurring charge for XXXX. The Fraud manager at 5/3 bank informed me that the card was activated and then used for the purchase 4 minutes after activation, in which it maxed out my credit card. I researched the company name of the fraudulent charges and I can not find any legitimate information, I believe the company doesnt exist and now 5/3 is still telling me I am responsible for this payment of {$4800.00}. This needs to be rectified immediately. The case number for the above matter with fifth Third Bank is : XXXX
Company Response:
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Back in XX/XX/2020, 5/3rd Bank told me that they would refinance my home at 2.5 % for 15 years. They had me pay a {$390.00} loan application fee and said that we would close by XX/XX/2020. They had me give them tax returns, w-2 's bank statements, and every other document that they could think of which I complied. In XXXX, I started calling to see what was going on with my refinance and the loan person kept saying that they are still busy, but they need more docs. Once again I gave them what they requested and have been doing so for the past 4 months. We are now approaching XXXX, I still do not have a closing date. Today, a different person started asking for more nonsense documents. They also had me deposit a large sum with their bank to qualify for this loan, that money has been sitting idle earning almost nothing for the past 7 months. No one should ever be led down this time wasting path, let alone be forced to give so much sensitive data without any accountability from this large bank. Fifth third has a horrible loan system and people that just do not care about their customers!!!
Company Response:
State: IL
Zip: 60439
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Fifth third charged me fraudulent overdraft fees for an account that was never overdrawn. I was up until 3 am this morning on XX/XX/22 and my account still had a balance over {$900.00}. My direct deposit of {$1300.00} also deposited into my account around XXXX XXXX XXXXXXXX called me at XXXX XXXX to confirm it was okay to cash a {$900.00} check on XX/XX/22 and I confirmed it was okay since I knew more than enough money. I checked my account after the young lady XXXX told me over the phone shes going to cash the check to see fifths third charge me a {$74.00} overdraft fee for an account that was never overdrawn! I called and spoke with a supervisor named XXXX who tried to feed me lies about when XXXX cashed the check, I informed her I was up until after XXXX XXXX this morning and checked my bank account while scheduling to pay my bills then her story turns to If an account is overdrawn it doesnt show until after XXXX XXXX. Ive never heard such nonsense in my life and there was nothing to overdraft my account I scheduled all of my payments for AFTER I know the funds are in my account. Her XXXX XXXX excuse is concerning as well as a member of this bank what deceptive predatory bank lies about the funds in a customers account so they can charge fees. This is beyond outrageous.
Company Response:
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In the month of XXXX I made the deposit of two checks, one check was from XX/XX/XXXX for the amount of XXXX dollars and the other check was from XX/XX/XXXX also for XXXX dollars, as the two checks are in my name and are for the same amount of money, that caused the system to reject them, since the system assumed them as duplicates, so I made several phone calls to Fifth Third Bank, then I had an appointment with a very nice and competent representative, who explained to me all the procedure to follow after speaking with the corresponding department, and she told me that the money would be in my account within a maximum of 3 days, but that was on XX/XX/XXXX, that representative has called me to see if it is already resolved and so far these funds have not been deposited in my account.
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A