Date Received: 2021-04-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX EST, I call the 5/3 's credit card dept. to make a payment. My payment is due on the 8th day of each month. I spoke to an XXXX in CC who refused to accept my payment because I would not agree to a payment on the XX/XX/XXXX, so 5/3 bank can charge me a late charge. The claim that their payment have to be made by XXXX on the due date or it is considered late. I refused to agree to a XXXX payment, and She nor the supervisor XXXX would accept my payment. This is a predatory practice in my opinion. I want my XX/XX/XXXX payment processed without paying a late charge. In XX/XX/XXXX when I opened this account they offered {$250.00} to open a checking account with this bank and maintain a specific balance for 60 days. The banking rep was XXXX at XXXX branch in XXXX, NC. After 60 days passed I did not receive the money, when I contacted her and the branch manager about the checking account promotion XXXX. XXXX said the money had to be maintained in a check account for 60 days, not a savings account ( I opened both accounts ). XXXX knew the reason I opened those accounts was because of the {$250.00} promotion and I brought here the mail flyer I received. I told I wanted to take advantage of the promotion and she NEVER reiterated the fact that the money had to be in a checking account. I have complained to the branch Manager later and she Never responded to my complaints. I went to close my accounts with 5/3 and XXXX and pull my money out of this bank and the branch manager claim she could not give me my money, and she would follow up but I never heard from her. 5/3 is the most useless consumer unfriendly bank I have ever dealt with. I will be making my XX/XX/XXXX payment online. I do NOT expect to be charged a late charge for XX/XX/XXXX. I also want to be credited the {$250.00} that was due me when I opened the accounts last XX/XX/XXXX.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I started the refinance process with 5/3rd ( they previously held my note ) back in XXXX of 2020. We finally closed on this mortgage a couple months ago. I was told by the sales rep XXXX XXXX that the amount was XXXX a month and maintain my existing years left which was 27. I later discovered that he switched my time frame back to a 30 year and showed me different paperwork. During the underwriting process I still paid my mortgage every single month up until closing day. During this time 5/3rd was escrowing my biannual property taxes however failed to pay them to my township. My taxes are now 60 days late along with a 3 % fee being added. I have called 5/3rd about 15 times with 0 help at all. They said our tax department handles this but they have no phone number only an email and fax. I have emailed them multiple times with no response. I had one woman tell me to reach out to my closing team which included the sales rep and his assistant. I did hear back from the assistant who said she was helping but has since been fired/quit? XXXX has never attempted to call me and the mortgage services line said they have the money but wont release it because the tax department has to do this. Every person I have communicated with is completely incompetent and not willing to help, " its not my department I cant help you '' is all I hear.
Company Response:
State: MI
Zip: 48182
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have always paid my account on time every month thru the website and portal that the company provides and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Company Response:
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I received a XXXX payroll card from my already questionable TEMP hire agency XXXX XXXX aka XXXX XXXX. They claimed this was the only way of getting my paycheck. I had this card for less than a week when I noticed my balance after just getting paid was only {$150.00}. I looked at the history XXXX XXXX XXXX was the only transaction I made personally. I now had 6 transactions from 3 different XXXX gas stations in the area ( yet different cities ). XXXX pending -XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$99.00} XXXX XXXX XXXX XXXX Direct Deposit + {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX customer service said it would be up to the MERCHANT on reversals and that it could take 45 to 90 days for an investigation. They also said they can not stop pending charges ( there were 3 pending when I called them ) and they would have to post before they could do anything. I'm out {$600.00} and no accountability from XXXX or XXXX XXXX.
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2021 approximately XXXXXX/XX/XXXX EST. I transferred money from my 5/3 express checking account to my 5/3 mortgage account. A week or two later my XXXX payment was reported to my credit as 30 days past due. I called 5/3rd bank who verified my payment was transferred on XX/XX/XXXX from my 5/3rd express checking to my 5/3rd mortgage via the 5/3rd online banking. However they stated since it was after XXXXXX/XX/XXXX EST it would not be reported as being transferred on the XXXX because the banks were closed it would be reported the next business day which was XX/XX/XXXX. 5/3rd will not reverse the 30 day late with the credit reporting agency even though they confirmed the electronic payment from my 5/3rd express to my 5/3rd mortgage was made and received on XX/XX/XXXX. The fact that 5/3rd clearly received funds prior to the 30 days and has record of it, but is unwilling to do the right thing and reverse the 30 day late is preventing us from getting refinanced. In addition to this, it shows on 5/3rd rules and regulations that internet banking cutoff time is XXXX : XX/XX/XXXX I made the payment via electronic transfer from my 5/3rd account to my 5/3 mortgage prior to 30 days. All I'm asking is for 5/3rd to do the right thing by supporting their customer and reverse the 30 days late for XX/XX/2021, so we can get refinancing. What happened to making my day a 5/3rd better? Please help me by doing the right thing. its clear the payment was made prior to 30 days. Sincerely XXXX
Company Response:
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, our mortgage payment due XX/XX/XXXX, was canceled. We were made aware of the situation in XX/XX/XXXX. We quickly responded and were reassured by Fifth Third bank customer service over the phone multiple times that we were within our 30 days, that we would have no adverse outcome from this incident. We promptly made the mortgage payment within 30 days of the due XXXX supporting document from our XXXX Checking account ending XXXX, shows the amount processed on XX/XX/XXXX notated in yellow ). We received documents from Fifth Third Bank the late payment had been removed, and the mortgage payment was processed before the 30-day mark. We had been searching for a new home to purchase. On XX/XX/XXXX, while attempting to obtain a preapproval letter from a financial lender, we were aware that a 30 day late on our mortgage had been reported to the credit bureaus by Fifth Third Bank. This has essentially devastated our credit score and halting our entire financial future. Upon contacting Fifth Third Bank customer service, they informed us that there was nothing they could do to resolve the oversight. We escalated the call to a supervisor while reviewing the situation with the supervisor and noting that the payment was canceled in error and reconciled within 30 days. He stated : " that's just something we tell people. ''
Company Response:
State: CA
Zip: 95340
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I received an email that a charge was posted to my Fifth Third Bank Master Card credit card on XXXX XXXX. The same day I called Fifth Third Bank Customer Service Department and told them I did not make the charge, and asked them to cancel my card and issue me a new one. The card was still in my possession. The Merchant Name is XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois. The Amount is {$750.00}. I opened a Dispute the same day. I was told they paid the charge as they received documentation validating the charge. The documents sent to me are not legible and when I called and asked them to read the information to me since I couldn't decipher them. I was told they couldn't do that and would send another copy, which was illegible also. I could read the Invoice # XXXX, which is odd. I asked for the dispute to be reopened. Since I could not reach anyone at XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, I contacted XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois, which is 345 miles from my home, and spoke to XXXX, XXXX. She told me they had no record in the database of a charge of {$750.00} on XXXX, and could not find my name in the database so they never did business me, nor do they do any business with XXXX, which from my research looks like an ecard reader business. I spoke with her several times and she had never even received a call from Fifth Third Bank 's Dispute Department. They have now denied my claim for the third time.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: 53rd mailed me a solicitation for a {$550.00} bonus promotion ( see attached promotion ). I met with a local bank representative, XXXX XXXX, who encouraged me to bring in an extra {$15000.00} to meet the full bonus, which I did. She stated it would not be a problem having it applied. After waiting 90 days, I noticed only one of the bonuses for {$250.00} was applied. I then tried to call and email them for months. They didn't answer their phones, return emails, or even respond to requests from their Customer Service to call me back ( see attached correspondence ). After many months, I was finally able to reach the branch manager, XXXX XXXX, when they directly connected me to her. She incorrectly stated the balance fell below $ XXXX for " several days '', so the promotion would not be honored, but would research it and I would not have to follow-up. Again I didn't hear back for months. The balance was only below $ XXXX by {$55.00} for a few hours on XX/XX/2020 because a third-party, XXXX, did an authorized debit that was instantly returned the same day on XX/XX/2020 ( see attached screenshot ), but 53rd applied it the next day. They've used that as an excuse not to honor their promotion, even though I've kept $ XXXX in the account for 16 months without any interest paid.
Company Response:
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We started the process 10 months ago I XXXX of 2020. I have gone through at least three lenders at fifth third and given them the same documents at least three times. So now they want to start all over again because they dropped the ball. Im a CPA and this is my busiest time and its really a hardship on me to resend all the documents again and I may have to pay for another appraisal. I dont think this is fair. Also they have pulled my credit three times and caused it to decrease along with my husbands and have already put their name on my homeowners insurance policy. When I inquired about it they said it was normal, I dont think so. These are a few of the issues.
Company Response:
State: FL
Zip: 32909
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021 I submitted a dispute in regards to Fraudulent items that have appeared on my XXXX and XXXX credit report. XXXX and XXXX has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my XXXX XXXX Credentials and my Law Enforcement validation of my claim. After doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : Fifth Third Bank NA Account # XXXX
Company Response:
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A