Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Fifth third bank has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from 2012. The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at fifth third bank also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with fifth third bank which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from fifth third bank, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.
Company Response:
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Monday, XX/XX/2021, I attempted to withdraw {$1000.00} from my savings account at an ATM on XXXX XXXX in XXXX, OH. XXXX through the transaction, during a loading screen, the machine hung on the loading screen for multiple minutes before crashing to a black screen, resetting, and not dispensing the funds. I contacted the bank and got a dispute opened immediately. The temporarily refunded the funds, but on Thursday XX/XX/XXXX I received a letter telling me that my claim had been denied and the funds were removed from my account. I called the number on the letter and the customer service representative could not tell me anything other than the " ATM was balanced, but it's possible they counted the wrong ATM. '' She was not able to provide documents used as evidence, nor footage from any of the multiple cameras in the area of the ATM. The only thing she did was collect more information and re-open the case, saying that it may be another month or two before I hear from them again.
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My Fifth Third Bank HELOC had an advance block placed on it XX/XX/XXXX with no explanation given, only {$14000.00} of an available $ XXXX owed, never a late payment and I have verified by 5/3rd XX/XX/XXXX score of XXXX as of XX/XX/XXXX. I was told by my local branch there was nothing they could do to review that block even if it was an error but because my credit was good I could refinance my mortgage to ensure continued access to my home equity if wanted and lock in a low rate as I currently had an ARM. I knew rates were low and likely to start moving up so if I did do that I wanted to get locked in ASAP. I was referred to XXXX loan officer XXXX XXXX NMLS ID : XXXX. I spoke with her on the phone on XX/XX/XXXX and after explaining the situation she told me I would qualify for a cash out refi with my income and credit score. I asked her specifically what rate would I be locking in if I got my app in that same Friday and she told me 2.99 % and even said if I got it in before Monday I'd get the Friday rate. On Mon. XXXX I get my 1st loan estimate and it's for a rate of 3.25 % and it's not locked. I immediately email her to ask why the rate is different from what she quoted me and why it says it's not locked when she specifically said I'd be locking in the Friday rate. After 10 days of trying to get an answer about the difference in rate & lock she finally replies to say the rate is different because it is cash-out even though that was the only type we discussed and the only type I could get as I had a now frozen HELOC to pay off, she says nothing about the lock status. After another 5 days asking if it is at least locked in she lies and says it is locked even though my original loan estimate clearly says it isn't, " Your rate is locked. I am running the numbers to see what makes the most sense with the rate you currently have. '' then she drops the loan amount by $ XXXX from the original $ XXXX I applied for & adds a {$2800.00} ( full point ) fee to lock it in at 3.25 % in a new loan estimate effectively trying to make me pay thousands more to buy down the rate because of the fact that she didn't lock it in to begin with as I specifically requested. I called her out on this on XX/XX/XXXX and she has yet to reply to me.
Company Response:
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I had a loan through a Jeep Dealer with 5th 3rd Bank. A check was sent to them XX/XX/XXXX per there payoff instructions. First they wouldn't even verify they received the check from the party buying my Jeep! Cant verify they have it or it is even good. Even after I sent proof they already had pulled the funds! Now it has been 2 weeks and my loan is showing paid off and the account closed. They have still not even bothered to send me the {$4000.00} balance they owe me! Said they will send a check in a few days! XXXX! I am so sick of the central bank and your useless services. XXXX, XXXX and XXXX. We will not need you soon XXXX willing!
Company Response:
State: AZ
Zip: 85259
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: RE : Fifth Third Mortgage # XXXX My home mortgage is with Fifth Third Bank and my Checking account is with XXXX XXXX XXXX. My XX/XX/XXXX mortgage payment was processed and posted to my checking account on XX/XX/XXXX. Fifth Third bank applied the credit to my mortgage account but reversed it on XX/XX/XXXX because they said it was returned by XXXXXXXX XXXX. Fifth Third bank told me to send them my bank statement showing the transaction was posted to my checking account. I did and Fifth Third bank sent a letter stating that my request couldnt be processed until I submit further information.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened up a checking account with fifth third bank and was being promised {$600.00} account opening promotion bonus. The promotion bonus was divided into 2 parts : - {$250.00} for funding the account with direct deposit {$350.00} - Increase the balance in the account by {$14000.00} " within 45 days '' and maintain {$14000.00} for 90 days The complaint is that I met the condition of adding funds within 45 days but still 53 is not honoring the 2nd part of the bonus which is {$350.00}. The reason that they have told that the promo code fell off the account in between when I lowered my balance less than {$14000.00} for couple of days. But, having said that, I still have 45 days to recouped to the bonus requirement within 45 days which I eventually did. The 53rd bank has violated terms and conditions wherein they gave me time period of 45 days to meet the criteria. When I have met the criteria within 45 days, it shouldn't matter as how many times the balance fell below {$14000.00} or not. The bank is performing malpractices to avoid giving promotion bonus. Here are the account details - Account name - XXXX XXXX Account # XXXX XXXX branch location where account was opened - XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone # of the branch - ( XXXX ) XXXX Best Regards, XXXX XXXX Cell : XXXX
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I was called from an unknown number stating the man was a process server attempting to serve me but he wanted to set up a time to schedule it. I asked what it was for and he didnt know but gave me a phone number to the law office. I called and a very rude man informed me I had a 10 year old debt to a bank and I owed $ XXXX and I stole from the bank, it was a fraudulent theft charge and I was going to jail/county lockup for 180 days. I asked what the debt was for and he would only tell me the name Fifth Third bank. Man knew my full SSN. Anytime I asked for any other information he became belligerent and said I was refusing to pay and he was going to use the recording in court to prove I knew about the debt and that it was accurate and I confirmed it was mine, though I did not. Man said I had a court date for the following Monday at a XXXX court but he refused to give me any sort of case or account number, he said he didnt need to because he had my voice recorded saying I knew it was mine and I was refusing to pay. He hung up on me twice. I called both Fifth Third bank, who declared I didnt owe them anything, and the XXXX XXXX county court, who said I had nothing pending under my name. I worked in a debt collection law office and know there are multiple MULTIPLE FDCPA violations he made.
Company Response:
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Hello, I was never properly notified about any missing payments for my auto loan with Fifth Third Bank. I set up automatic payments in XX/XX/XXXX in which I was just told XX/XX/XXXX that it was only set up for two months and stopped XX/XX/XXXX. I was told the bank sent me automatic operative phone calls to notify me but those numbers come up as SPAM on my XXXX so I do not answer them. I was never given a voicemail, letter, inbox/documents tab on their online banking, etc. about missing payments. I did not know about this matter until I walked out of my home Friday afternoon XX/XX/XXXX to find my car was missing. I immediately called 911 thinking it was grand theft auto but come to find it was repossessed due to the missing payments. I am a very responsible person and make sure to pay my bills on time so I was in utter shock to find this information to be true. I spoke with the company numerous times in which they would not allow me to speak with a representative due to them being busy. I was told there are only 2 supervisors working compared to the 300. I would love to resolve this issue and miscommunication because it was drastically affected my credit history/score. Thank you for your time and looking forward to hearing from you. For reference my payments are around $ XXXX/month and I had to pay a total of {$1400.00} to receive the car back. I have paid the past due bill in full as soon as I heard of the event and scheduled payments through XXXX in which that is how far the representative would allow me to go. I am in the process of trying to speak with a supervisor with Fifth Third Bank to help resolve this matter but I was directed to this website. Thank you again for your time. Best, XXXX
Company Response:
State: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The bank is reporting to the credit bureau that my account has been affected by a natural disaster. I have not applied for nor received any assistance on my account and when I reached out to the bank they said that status would not affect my credit score. I feel the bank has received federal funds fraudulently and I have not divvied out any of those funds to its customers.
Company Response:
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I got a notice from XXXX XXXX today about an adverse report added to XXXX When I checked it, it is from XXXX XXXX XXXX XXXX for a debt of {$620.00} owed to 5/3 Bank. I have never had a credit card through then, and closed my checking/savings with them about 10 years ago. Neither 5/3 or XXXX XXXX XXXX XXXX has ever contacted me by phone or letter. Under contact for the company only has their name and no phone number or address to reach out to. I googled them and several different XXXX XXXX XXXX XXXX companies come up, but I have no idea which one to contact
Company Response:
State: OH
Zip: 45356
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A