Date Received: 2021-04-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: someone stole my information and made and withdraw money from the account company thats reporting information is XXXX FIFTH THIRD BANK FOR AN OVERDRAFT OF OF {$7400.00} CLOSURE DATE - XX/XX/2021
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021 a transaction was sent to my sister through XXXX XXXX XXXX XXXX app ( XXXX ). This transaction was never received by my Sister. I have disputed this with the bank twice. The only information they provide is that the transaction was completed. They have not provided any information about the transaction between XXXX XXXX, XXXX, and XXXX ( my sisters bank ). My sister has worked with her bank on the transaction and according to their records there is no transaction associated with number provided above to them. I have been to my local branch on 2 occasions : The first occasion I met with an Assistant Center Manager at the XXXX Indiana Branch XXXX XXXX. At the time, this transaction had been sitting in pending for upwards of a week. Neither myself or my sister were users of XXXX so she first had to sign up. I was not aware that I needed to do anything with the XXXX app since it is integrated into Fifth Thirds website and gives no instruction about downloading the app or anything else except to click here. After a week, I went to the bank met with Assistant Manager and Asked her if she could cancel the transaction. At this point she could see that the transaction had been pending for several days. She commented that she did not know why it had set out there so long and that it should have returned to my account if the funds were not sent after specified period days ( which had already transpired ) She ended up resetting my account in XXXX. When she did that two things happened. My transaction changed to sent and a transaction for XXXX $ that my sister sent to me through XXXX came through. I was told to wait a few days and it would show up in my sisters account. On XX/XX/XXXX I returned to my local branch and met with the XXXX XXXX the Assistant Vice President of the local branch. He investigated and was puzzled why the transaction had not gone through. He also indicated that the money should have been returned when it stayed in the pending status longer than the allotted time. We filed a dispute on XX/XX/XXXX concerning the transaction ( XXXX ). This dispute was denied approximately 10 days later with the only explanation that the transaction had been sent. I filed an appeal only to have it denied 60 days later with no information provided other than the notice from XXXX indicating the payment was sent. I would at least like to know the dates and account numbers that were involved in the transfer. I have not been able to talk to anybody other than low level customer service representatives who transfer me to different departments each which is staffed by another low level representative who has no power to do anything except take messages.
Company Response:
State: IN
Zip: 476XX
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My mother had fraud on her Fifth Third savings account on XX/XX/XXXX ( I am POA on her accounts XXXX. She found the fraud when looking at her checking account and went into the branch right away on XX/XX/XXXX to dispute the transaction. Fifth XXXX denied the claim. She went to the branch on XX/XX/XXXX to find out why. She was first told the other bank had proof it was valid. This was not the case. They later said it was that she didn't sign an affidavit. She was never sent an affidavit. She signed the affidavit on XX/XX/XXXX. It is now XX/XX/XXXX and we are being told they are still reviewing the case. I've reached out to the branch multiple times. They said they have escalated to the Office of the President. They took the funds back out of her account when the case was denied. My mother is elderly and I feel as though fifth third is discriminating against her. I had to be added as POA to help try to resolve this issue. I feel Fifth Third is exceeding it's time frame of resolving this issue. My mother didn't even know you could ACH from a saving account. If she needs money it is moved from a saving to her checking. I'm hoping you can help move this case along. My mother 's information including case number. XXXX XXXX XXXX Case # XXXX Acct ending XXXX
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 5/3 bank is putting unjust holds on my account claiming that by using the ATM I could be committing fraud. They are putting unjust amounts of time on holds for local banks causing the account to overdraft and not allowing access to funds in a business account that is used to by product for customers.
Company Response:
State: KY
Zip: 41015
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: What time do you make electronic payment before the end of the grace period for approximately {$3200.00} for XX/XX/XXXX the payment was held by fifth third bank and was not excepted despite there being sufficient funds. I called after making a payment and they confirmed over the phone that the payment was made on time and for the sufficient amount and I was not to worry however the bank still held my payment I have a late charge and a negative report reflected on my credit for this payment of XX/XX/XXXX.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Last year maybe the beginning of the year I opened an account with Fifth Third. Never have any transactions on it I believe u payed the fee only once and never used the account again. It is now XX/XX/2021 and I called Fifth third to check and see if there was a fee to pay for reopening it because Im with me not using it at all and not paying the monthly fee again that the account isnt still active. I was told that there was some kind of fraudulent check that was attempted to be deposited into my account that I had no idea of and now this is become a problem because Im not allowed to get an account anywhere!! Please get back to me when you can
Company Response:
State: MI
Zip: 49417
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Ive communicated with 3 individuals both in person and online. I have been charged three overdraft fees without them being able to say why. They claim its for a XXXX transaction but XXXX does not allow any transactions to be made without a positive account. The {$79.00} withheld is a weeks worth of groceries XXXX third is consistently charging fees the hours prior direct deposits being made, making it seem as if they are right in taking these charges when in fact it is theft of consumers.
Company Response:
State: OH
Zip: 45102
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Hello, today I spoke an agent via 5th 3rd bank 's chat service inquiring about getting all previous fees charged at {$37.00} each removed dating from XX/XX/2020 till now totaling {$300.00}. I was advised that they were only refunding two fees which was done and no more per the banking policy. I explained that as a long term customer I am aware the fee removal is normally 2, however with the pandemic and the aftermath these are not at all normal circumstances. Basically I was disregarded and told there was nothing further to be done, so I asked for upper management 's assistance and my contact information was taken. I feel it's horrendous the way this financial institution has accessed fee on top of fees taking advantage of this situation as if this is normal times for people. I've not left my account in an overdrawn status for longer than 4 days you all could have at least extended the time to give people a fair opportunity to bring it current that way you all were at least doing something more than your " normal practices '' while people gather themselves during this time. Just for reference, below is the explanation and response I sent to the agent as well : " I really hate to bother you all but as you know this pandemic has been putting a strain on a lot of people. Gratefully I just finally got a better paying job so I don't have to be concerned with these fees. However it's putting a heavier strain on me with me catching up on everything. Could you all please waive all fees accessed? '' after being told nothing they could do my response was : " Listen I can understand that under normal circumstances, however you all are fully aware that the nation is not running operating under normal circumstances with the aftermath to the pandemic. So if you can't help, I'd like to be escalated '' I find it very unfortunate that 5th 3rd Bank isn't doing much of anything to help their clients during this time, however hopefully they will implement something efficient to help those that have helped them.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We placed our mortgage with Fifth Third Bank on forbearance XX/XX/XXXX through XX/XX/XXXX, we started to pay our mortgage again in XXXX of XXXX with additional funds to make up for the months that we missed. In XXXX of XXXX we completely caught up the amount that we owed. We in XXXX of XXXX received a collection call from Fifth Third Bank and they stated that we were past due, at that point all monies were paid in full. In the end of XX/XX/XXXX Fifth Third Bank reported us 120+ days past due reporting us late on payments from XX/XX/XXXX through XX/XX/XXXX and that dropped my credit score over 100 points. I found out about the credit reporting while trying to secure an auto loan. We pay everything online with Fifth Third Bank, we received no information from Fifth Third Bank on our forbearance period timeline online or by mail. They will confirm this, one of the many Fifth Third Bank representatives that we have talked to about this issue told us that the information about our forbearance would be on page 3 of our online statement. While on the phone with her she walked us through how to find the information and confirmed that it was not on any of our statements. The reason we received no written information about our forbearance is because they had the incorrect contact address. They ( Fifth Third Bank ) say that when my wife changed the contact information on this loan that we share that they only changed her information and not mine and that they only send information and only contact the primary co-loan holder and not the other co-loan holder. They never sent the forbearance information to the address of the property on the loan either. We have asked for a copy of this letter and have been told twice that the letter would be sent to us, it has been 2 1XXXX months since we were first told that we would receive a copy of the letter and we have yet to. We were recently told by another Fifth Third Bank customer service person that we needed to make a decision on repayment options for this forbearance on XX/XX/XXXX, that this information was in the communication that we never received and they verified that we never received. We on our own repaid the entire forbearance on XX/XX/XXXX. All monies owed were paid 12 days after this repayment decision date that they say we had. We thought we were paying our forbearance early by starting the payments early, we paid off the entire amount with in 30 days of when it was due on our own with no guidance, they were paid in full 12 days after the forbearance repayment option date and yet to them we are 120+ days late because we apparently missed a date that they only knew of. We have no late payments on any of our credit until this reporting, we always pay on time and now we are considered seriously delinquent and reported as such. We have been told by the latest Fifth Third Bank representative that they will not remove the 120+ days late from our credit report, he will not let us talk with or be given his supervisors contact information and that we can no longer escalate this with Fifth Third Bank.
Company Response:
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted Fifth third bank requesting an early removal from my credit report since its due to drop off next year. This account has be closed since XX/XX/2015 and this company has reported to the credit bureau that i am currently 60 days late to drop my score intentionally. I requesting because of the inaccuracy that creditor be removed from my credit report immediately for falsifying information. Thank you XXXX XXXX
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A