Date Received: 2023-10-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I applied for a job on XXXX. I was told i got the job the company added funds to my account and now XXXX bank is telling me this was a spam. And that they was closing my account and i couldn't open a new account. This isnt fair i was a victim of a spam and now i have to suffer. This account is where i received my unemployment at. Now i get double trouble i cant get my check and my bank account id being closed.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: My mortgage loan got transferred to a new servicer, Fifth Third Bank. I tried multiple times to create an online account so that I could pay my mortgage. Each time, the portal said " unable to create online account. '' I tried calling the bank to resolve the issue, but they keep mentioning that I need to wait longer. It has been over a month since the transfer and I am still unable to create the account so that I can pay them properly.
Company Response:
State: CA
Zip: 91306
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX, XXXX fraudulent transactions showed on my credit card account with Fifth Third Bank, transactions I did not make, those transactions sum a total of {$4300.00} dollars, now more because they have been charging interest and fees since then, At that time I informed the bank about them and they initiated an investigation, the result of this investigation resulted in a denial of the claim stating that the card had been used phisically through the XXXX chip on the card and that the technology can't be duplicated by criminals, at the moment and as I did not make those transactions, I filed a complaint with the cfpb, so this is my second complaint, I filed another complaint with the Florida XXXX attorney, and I went to the police where they filled a report about the case, I wrote XXXX letters explaining the bank that they were wrong, I have been in this country for 17 years, never being in a kind of debt I was not able to pay, so my XXXX XXXX was very good since then, affected XXXX points now for this matter, It is totally unfair for a family or any individual with the honesty I was grown up to be quite and not stressful with this situation, Police departments hadn't been any helpful in trying to investigate the matter as It should be, I went to place where transactions were made and the guy who is the only person and owner of the place doesnt want to give any invoice or camera records from that day to know who made those transactions with my identity, someone called the bank using that information to give a false td bank account which I dont have, It is really dissapointing how the finantial system is taking these fraud cases and passing those charges without any further investigation, and affect the finantial system trust of consumers, I am proceding to close the rest of my credit card accounts, because if you can't trust in the system is really risky, this has affected my normal daily life, the quality time I should spend with my daugther and family, nights of bad sleeping just with the worry that I should pay for something I didnt buy, I get up early in the morning every day to take a better life to my family, and with a lot of effort we try to give a better life to our daughter and being scammed in that way is not fair, I ask to Fifth Third Bank to take my XXXX XXXX as it was and inmediatly to take all those fraudulent charges out my account with them and my finiantial history.
Company Response:
State: FL
Zip: 33016
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: The bank did not follow banking regulations. They haven't sent a mortgage bill in over four years to someone who has passed away and I made a mistake and purchased a property with a mortgage. My mistake is the bigger mistake so I'll end up losing the property in foreclosure but the person who passed away had owned the property for over 50 years and there was no bill, so being careless and not getting a proper title search is understandable. I'm fine with losing the property, it was only {$7000.00} so it is not a huge loss but it would be great if a regulator could look at the bank 's business processes.
Company Response:
State: IN
Zip: 475XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: I had a mortgage with XXXXXXXX XXXX XXXX. It was on AutoPay and I never missed a payment from the beginning in XX/XX/2022 through XX/XX/2022. During this time I received regular emails from the company. In XX/XX/2022 the mortgage was sold to Fifth Third Bank. I did not receive any notice of the loan transfer, from either mortgage company, via email or mail. Fifth Third Bank claims my mailing address must have been incorrect with XXXX, but Fifth Third never tried to email me either. Fifth Third also claims they tried to contact me by telephone, but all I received were voicemails that sounded like phishing scams. I did not find out my mortgage had sold until several month later, when I contacted XXXX to ask why they hadn't been drafting my autopay. By that time I was several months behind on my my mortgage, my credit score and my co-signor 's credit score had suffered terribly, and the lump sum required to bring my mortgage current was burdensome. Additionally, Fifth Third Bank never attempted to contact my co-signor. Fifth Third Bank did not meet its obligations in notifying me of the loan transfer.
Company Response:
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had a covid forbearance on my mortgage through Fifth Third Bank through the end of XX/XX/XXXX. I filed for an extension during the month of XXXX. I contacted them for an update in XXXX, they said they didn't get anything and if I still was having the hardship I would have to apply for a new forbearance. I did so. The assessment of it was delayed until XXXX, and so XXXX and XXXX were marked as late payments. My situation changed in XXXX of XXXX and I was able to bring everything current and come off of forbearance. Unfortunately those payments were still marked as late and so they were marked as paid 180 days late. I appealed and filed disputes through the credit bureaus, but they were denied too quickly for me to believe they were really looked into. This has proven problematic with attempts to refinance and be approved for new lines of credit since.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I underwent XXXX in XX/XX/2023. Received bill from my physician and paid full amount. Discovered that physicians office submitted to wrong insurance provider so no insurance paid. We provided corrected information, they submitted for and received insurance payment. We were due a refund of {$1000.00}. We received a PrePaid Debit Card in that amount issued by Fifth Third Bank. We did not authorize creation of that prepaid card and expected our refund in the form of a check. Since the funds are held in an account that I did not authorize, nor can I fully control use of the funds in that account. This is a blatant abuse of power and misuse of my funds. The bank and the physicians office appear to be the ones benefiting from this arrangement. They are earning interest on my funds while I can not access and put those funds to use to earn interest for myself. The physicians office is XXXX XXXX XXXX ; the physician is XXXX XXXX. I've contacted them directly and asked for a refund in the form of a check and was told NO. I will be contacting the State of Washington Attorney Generals ' office as well If you need additional information please contact me and I will be happy to provide anything you might need.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have an auto loan with fifth third bank. I've consistently paid my bill, and set up autopay so that I didn't have to remember to manually pay the bill each month. For my bill that was due on XX/XX/2023, the autopay did not process. This led to be missing a payment, hurting my previously excellent credit score, and causing additional fees. I called and requested additional information as was told that they didn't know why the autopay didn't process and that nobody in the company would be able to tell me that information. I asked that the credit issue be removed as it was due to an error which they said they could not do. When I mentioned that I would be filing a complaint they offered to waive the fees, but maintained that they would not remove the credit issue. I asked to speak to someone at a higher level and was told I would receive a call in the future. The call never came. I eventually paid off the balance due because I didn't want to be 60 days in default, and at that point also had to pay the late fees. I can only wonder if the company is intentionally cutting off their autopay in order to create additional fees for customers. I simply would like this black mark removed from my credit.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: XX/XX/XXXX Fifth Third Bank Loss Draft Dept received an insurance claim check for {$42000.00}. I submitted the required documents multiple times and they deleted them and changed them from completed and accepted to need additional documentation a few times. I have emailed, called and spoken with them in person, multiple times. I received a message saying the funds were available in an escrow account on XX/XX/XXXX. The partial check # XXXX in the amount of {$31000.00} was issued on XX/XX/XXXX per the My Claim Funds portal. I called the LD Department and they said no, the check has to be mailed. I received a message on XX/XX/XXXX saying it was processed. On XX/XX/XXXX I again called to ask why I had not received the check. I was told it was mailed on XX/XX/XXXX and it was not their problem, that I had to take it up with the post office. The post office has no info because the tracking says the label was created ( I purchased this mailer ) but not given to the USPS. My contractor has now stopped work until a payment is made. He has been working, in good faith, since the middle of XXXX because the insurance company approved and issued the check on XXXX. My house is torn up and in the middle of the repair phase still. I have spoken to the local Branch and they have also attempted to get help for me from this Loss Draft Department and have also become frustrated. I requested to have this escalated through the local branch on XX/XX/XXXX and am waiting to speak with someone from that department. It is my understanding that Loss Draft is part of 5/3 bank, however, it appears to have no governance by the company 5/3. I am being disconnected after sitting on hold for long periods of time to speak with someone at LD, and when I do speak with them often times they sound half asleep with noise in the background that sounds as if they are at home. I need help to get my home repaired ASAP. I have to go this entire process again for any future checks that are received. I have had to beg, literally, and still I am living in a mess solely because of Fifth Third 's Loss Draft. My claim is " monitored '' because they feel the average homeowner is not responsible enough to handle an insurance check and yet they have now lost a {$32000.00} check. They refuse to do anything other than cancel the original check, resubmit, and mail it. If I want it faster than regular mail, I have to send ANOTHER prepaid envelope to them. I am looking at weeks again. This is not acceptable and is quite frankly, cruel, abusive and irresponsible as well as unprofessional. In addition to the documents below, I also have recorded phone calls.
Company Response:
State: OH
Zip: 45503
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A