Date Received: 2021-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Mortgage servicing bank for my home loan debited my checking account for my {$2200.00} XX/XX/2020 automatic ( EFT ) mortgage payment but did not apply the payment to my loan account. Without notification or explanation, the mortgage bank then returned my XXXX mortgage payment by mailed check in XXXX of 2020. The mortgage bank then reported, without notification to me, to all major credit reporting agencies that my XX/XX/2020 payment was past due by over 30-Days. This resulted in a drop in my credit score of over 100-Points that is now preventing me from getting a new loan at the lowest interest rates.
Company Response:
State: OR
Zip: 97520
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: XXXX XXXX card, issued 5th 3rd bank N.A., as an XXXX payroll card for XXXX XXXX XXXXXXXX XXXX, and various other dba 's. XXXX, my XXXX, is associated with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. The previous XXXX payroll card, for XXXXXXXX XXXX XXXX- was the XXXX XXXX XXXX, the XXXX card issued by XXXX XXXX XXXX XXXX Both are the payroll card for XXXX XXXX XXXX. On XXXX, a merchant placed a a hold on my account for $ XXXX I called the card service number when I saw the email come in- they cancelled the XXXX XXXX and mailed me the XXXX XXXX - they have continued to hold my funds, from a transaction, with there so called merchant - whom I had XXXX XXXX way call XXXX XXXX card services today. I have tracking and claim info- I do not have a XXXX account, in addition they would not hold funds longer then 30 days - this has been over 90 days. XXXX " wants to hold my funds and conduct an investigation '' I have heard the most out landish things when I call XXXX- in addition, the one thing that is predictable they / XXXX- is always changing there story. They are also bully like. In addition they are also related to global cash whatever that is- so XXXX XXXX XXXX XXXX XXXX XXXX, fifth third bank NA-? Today XXXX and I were told- that, they would mail me a letter, aftter XXXX XXXX the email alert for a transaction that a merchant was able to place holds on my funds - was on XX/XX/XXXX XXXX I called shortly after the email ; came in. This XXXX XXXX XXXX seems to be like a platform/ stack, for banking and card services - I offered in past to call merchant with XXXX, this has been on going since XXXX- they have refused. So I called XXXX and we 3 way called them - XXXX refuses to acknowledge - that I have been told, several different things, dates my funds would be replaced, and were not, even rather threatening saying they would hold my funds for the longest amount of time, 90 days, now 90 days - they want to blame the so called merchant, and, my funds have not been returned. I was also told on XX/XX/XXXX, they would block the merchant and hence the new card and account. Yet the famous dispute dept. - and you never know if its XXXXXXXX or XXXX who is gon na answer the call - now they are blaming the so called merchant- and will send me a letter? I want my funds - I am also going through the card statements - and the description of the merchants they have altered - in addition had the nerve to bill me for a subscription service that bills to a different card - obviously XXXX XXXX has a counterpart and someone is able to get access to a different account I have - from the treasury-
Company Response:
State: TX
Zip: 77551
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: To whom it may concern, I Bank at 5/3 Bank located at XXXX XXXX XXXX. XXXX NC XXXX. On XX/XX/XXXX I Rented a Car from XXXX XXXX XXXX XXXX because my own car was in the Shop for repairs. On the day of the Rental I paid XXXX with my Bank Debit Card. I Rented the Car for another 5 consecutive weeks which I also paid for with the same card. Those payments were as follows : XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XXXX - XXXX, XX/XX/XXXX - XXXX, and XX/XX/XXXX - XXXX. The total of these payments came to XXXX. These payments were to be kept on 'Hold ' at the Bank as my Deposit on the Car. I saw these payments deducted from my Account information on each date that I made the transaction because I am set up for Text Alerts every time money is withdrawn from my Account. I also knew that when I returned the Rental Car, XXXX XXXX XXXX XXXX would post the money that I owed for the Rental to my Account. However, at the same time, the Bank was supposed to release the 'Hold ' on all the Deposits I had made which would, in turn, cover the cost of the Rental and clear my Account. The issue is, the Bank posted the Bill for the Rental from XXXX but they didn't release the Hold on all of my Deposits. The Bank also cleared my Account of all the above transactions so that there is no record of any of it taking place in spite of the fact that XXXX XXXX XXXX XXXX has a record of ALL OF IT and the Bank will not return my money. They are claiming that since they don't have these transactions in my Bank Statement, XXXX XXXX XXXX XXXX must have it. I was sitting with the Bank Representative when he called XXXX XXXX XXXX XXXX and itemized every transaction I had made with my Bank Card but due to him not seeing these transactions on any of my Statements, he wasn't able to clear this issue off my Account. However, every time I talk to the CSRs at XXXX XXXX XXXX XXXX, they tell me that the Bank has it because it never left my Account. It was only withdrawn and put on 'Hold ' as a Deposit in case anything happened to the Car. In other words, both parties involved are denying they have my XXXX. This is why I'm reporting 5/3 Bank because since XXXX XXXX XXXX XXXX has come forward with all of my transactions with them and can prove that they were made with my Bank Debit Card, why then does the Bank itself have no record of these transactions? Why did the Bank erase these transactions from my Bank Statements to cover up the fact that they stole my money. Now they have written me a letter threatening to put me in the Credit Bureau and turn me over to Collections even though they are the ones that caused the problem by stealing my money. There is one more thing that bothers me greatly about this whole situation, XXXX may not be a great deal of money to a Billion Dollar Bank, but it's a XXXX of a lot of money to me. When I called the 'Disputes Department ' of the Bank to try to clear this up and ask them to find out what happened to my money, I got Transferred 3 times and then Hung up on in the end. Does that sound like a good business practice by a company that is claiming to care about their Customers to you?
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I was a current owner of a XXXX XXXX, purchased at Al XXXX XXXX. My current loan was active and up to date, it was an automatic payment set up. I went in for maintenance on XX/XX/XXXX at Al XXXX and was approached by a salesman to up grade to a XXXX XXXX. I agreed to the trade and was told I would not have any payments for 3 months due to the pandemic and they would contact me once they are able to get my loan approved. On my contract there is no loan company and I never heard from the dealership or anyone regarding me being approved for a loan. On XX/XX/XXXX in the early morning I hear someone in my yard, I took a look out my window and see 3 repossession trucks in front of my home. My granddaughter 's white XXXX XXXX was parked right behind my XXXX and one driver pulled her car out the driveway to remove my XXXX from my driveway. I came out and asked the guy what was going on and he informed me that he was here to repossess the XXXX. I asked him how when I never received a payment notice or book or a late notice. I have lived at the same address for 44 years and have never had an issue with getting my mail. This was not the first vehicle I have purchased and I am not one to be late on paying my bills. I have never had a repossession nor did I retire to be taken advantage of. I have a set income and will not live above my means, I would've returned the vehicle if I could not afford it. I have been embarrassed and feel totally violated by Al XXXX XXXX and Fifth Third Bank.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was given a XXXX Card by my employer that contained the rest of my paycheck. On XXXX of 2020 I attempted to withdraw the funds from an ATM belonging to XXXX XXXX XXXX in XXXX California. An error occurred where the money I attempted to withdraw ( {$540.00} ) was not physically withdrawn but was deducted from my XXXX Card via the ATM. I proceeded to withdraw the remainder of funds but could not withdraw the {$540.00} because, as previously stated, the ATM had deducted the funds from my account without actually dispensing the physical funds. I proceeded to contact my Financial Institution ( XXXX XXXX XXXX ) who directed me to contact XXXX XXXX to rectify the issue. I called XXXX XXXX XXXX customer support number in XXXX of 2020 regarding the scenario ; and, in or around XXXX of 2020, I received a letter from XXXX XXXX stating that they have concluded their investigation regarding the withdrawal of funds and that the cash amounts in the ATM are balanced and that I am not owed any funds. I then proceeded to rebuttal their decision and mailed back forms to reopen the investigation on or around XXXX - XXXX of 2020. In XXXX, My Financial Institution ( XXXX XXXX XXXX ) informed me that on they had contacted their ATM processing department on my behalf and that an adjustment was received on XX/XX/2020 from Co-Op and a charge-back was granted. The dispute was settled on XX/XX/2020. They suggested that I contact XXXX XXXX to find out why I had not yet received my funds as both their ATM processing department and the Bank itself had agreed that the ATM had an overage of funds ( due to my money not being dispensed ). To quote XXXX XXXX XXXX " We have done our part by honoring the adjustment ... His FI sent the incoming adjustment to debit us. So they should have some record of this. '' This was the correspondence from XXXX XXXX XXXX to their ATM Adjustment Specialist. I have continuously contacted the Customer Support Line of XXXX XXXX every month since XXXX of 2020 ( the beginning of the incident ). Each and every time I contact them they begin to tell me that I need to submit a written request. They instruct me to do so via their email ( XXXX ). They then tell me to wait 3-5 business days and to call them back for an update. When I call back to get an update, they tell me that I need to submit a written request ; to which I reply that I have. They then proceed to tell me that I need to submit another one. If I stay on the line for too long, they proceed to hang up on me. This has been an endless cycle for many months. They tell me they'll escalate it and to call back, only to find out nothing has happened and that I need to send another written request. It has reached the point where every time they ask me to submit a written request, I do so and I ensure to Fax them ( Which is money out of my pocket ) all the documentation as well. They proceed to tell me to call back in a few business days only for them to tell me they can not find my Fax documents. I have Faxed them the documents multiple times. I am given promises and assurances that my issue is being taken seriously, but it is extremely clear that it is not. We are in a Global Pandemic, the money they refuse to return to me are funds I am in desperate need of. XXXX XXXX XXXX and their ATM Department are already in agreement with me ; it is XXXX XXXX who refuses to do their part and return my money. As of the time of sending this complaint, I have just gotten off the phone with XXXX XXXX. After speaking with their supervisor, their recommendation is to email them the written request again and that my issue is being escalated. I will continue to follow up with them ; however, I can already confirm my issue will not be resolved by them as they do not seem to care about my case at all. Attached below are several correspondences as well as receipts of Faxes and dates. My only hope is they do the right thing and return my hard earned money.
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
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: To whom it may concern at the CFPB, I am representing my senior citizen father XXXX XXXX XXXX by writing this letter on his behalf. We truly hope that you can intervene on our behalf against FIFTH THIRD BANK the Bank that Financed all the charges for my father 's broken air conditioning system that he purchased with a XX/XX/XXXX Credit Card. This case is about my father being charged {$21000.00} for an air conditioning system that is not working properly. We have complained to get our money back through XXXX XXXX, the store that sold us the broken unit. To this day, they have still not responded to our many complaints. So now, we are trying to get the BANK that financed the XXXX XXXX Credit Card purchase of the AC system to give him his money back. On XX/XX/XXXX, my father went to the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX to make a purchase. They charged my father on his XXXX XXXX consumer credit card almost {$21000.00} dollars. We have all the documentation and receipts if you ever need to request them from me. The purchase he made on his consumer credit card was for a brand-new central air and heat system, which would be installed at his home XXXX XXXX XXXX XXXX XXXX, CA XXXX. Again, the bank that financed the XXXX XXXX Credit Card purchase in question was FIFTH THIRD BANK. Please see the attached copy of the financing document that contains their name. Unfortunately, my father was unaware at the time of purchase that THE XXXX XXXX would not be installing the system. The salesman for XXXX XXXX by the name of XXXX XXXX XXXX never explained that a 3rd party vendor by the name of XX/XX/XXXXwould be doing the install. For the first few months, he did not many problems with the install, yet after only 6 months we did notice that the house would either get too hot or too cold. This was the first of many issues we would have. We then started seeing that there were more problems. We tried getting hold of the XXXX XXXX XX/XX/XXXX after 7 months of purchase to come to do what they called an AC Tune-Up that was part of our service plan. They never came. We tried on many occasions and months went by and they refused to show up, even when they said that they would. The problems with our system continued to mount. We have a warranty form from XXXX where it states, If for any reason, within one year you are not 100 % satisfied, we will make it right or refund your money. We assumed they simply wanted the one year to pass by before contacting us back. We were so upset with XX/XX/XXXX XX/XX/XXXX who insisted we contact XXXX, that we hired a separate AC company in XXXX County to come to a service on our AC heating system. It was at this moment that we realized the trouble we were in. The nice repairman spent only about 10 minutes on the roof when he came down and told my father, I dont know who installed this system, but there is nothing I can do for you. They did a terrible job of installing that system. The way they installed it makes it impossible to do this service. The man refused to charge us, so we stepped up the calls to the XX/XX/XXXX and XX/XX/XXXX After months of trying to help, yes, the XXXX XXXX finally came to our house after the one-year guarantee of course. They sent two of their managers to inspect the home and they confirmed that yes the installation was not done correctly. Unfortunately for us, they said that the year has passed by so the best they could do was fix the system. They refused to give our money back, and they refused to replace the system as we asked. We attempted many times to walk into XX/XX/XXXXXXXX XXXX store in Anaheim to ask the Managers to intervene on our behalf with no luck. They kept telling us that we will look into it and call you back, we have yet to receive a call. Ultimately, yes, we hired a lawyer to take the case against XXXX XXXX XXXX XXXX, and XX/XX/XXXX. The lawyer we hired supposedly filed the case in XX/XX/XXXX, yet we have not heard anything yet. We hired a lawyer to represent us back in XX/XX/XXXX. We are now in Late XX/XX/XXXX, yet we have no resolution. We believe now that the installer probably thought that the XXXX old man will not complain much so the installation was poor at best. Our lawyer agrees with that sentiment which is the main part of our case against XX/XX/XXXX XX/XX/XXXXI am a U.S. XXXX Veteran, so I have been getting involved since this whole thing started. A family friend informed me about the CFPB, Consumer Financial Protective Bureau, which is why we are filing this complaint. We pray that you will assist us in getting our money back.
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Step 1 : What is this complaint about? Unauthorized or unwanted checking account. Unable to access funds. Unable to get funds placed in correct account Step XXXX : What type of problem are you having? XXXX, pay card issues, transfer between accounts. Step XXXX : What happened? When I was hired by XXXX XXXX Solutions I was informed that direct deposit was a requirement. No problem, on day one I had my bank information including a voided check ready to go. I was informed by VXI that I could not provide my banking information because they require a paycard ( Wisely card and Fifth Thirds Bank ) for our first paycheck distribution. I attempted to transfer funds from the paycard 's checking account, which I never authorized to be opened in my name, to my personal bank of choice XXXX. XXXX verified the account with XXXX/Fifth Thirds Bank by making two small deposits. There was no problem with these two transactions. Then using the XXXX app I transferred {$200.00} to my XXXX account from Wisely. There was no problem with this transaction. When I made my second transfer from Wisely into my XXXX account for the remainder of my paycheck 's balance, XXXX/Fifth Thirds Bank informed XXXX that my account with them was closed. This caused problems with my XXXX account. XXXX XXXX Solutions informed me that they will not place my full pay with XXXX as a direct deposit as they will only pay bonuses to the XXXX/Fifth Third Bank account which was opened in my name without my approval or fore knowledge. Step 4 : What company is this complaint about? XXXX XXXX Solutions, XXXX/Fifth Thirds Bank. Step 5 : Who are the people involved? XXXX XXXX XXXX XXXX, Myself
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My account was set up for auto payments and the autopayments stopped causing late fees to occur and now a derogatory report on my credit file which has seriously lowered my credit score. 5th 3rd bank did not call, text or email me to notify that I was behind or attempt to collect the late payments, I found out that payments were not made when our credit monitoring service notified us of a derogatory report for late payments. This happened XX/XX/XXXX and I was assessed a late fee and happened again XXXX and XX/XX/XXXX. XX/XX/XXXX {$570.00} with a {$28.00} late fee XX/XX/XXXX {$570.00} with a {$28.00} late fee Upon seeing the derogatory report, I immediately logged in and made the payment, then called the company. The customer service representative transferred me to installments so I could set up the autopayments and try to figure out why they were abruptly stopped. The representative in installment loans/auto bill pay could not explain why the autopayments stopped and showed no record of myself or my husband making this request ( because we would not have done this as we rely on this for consistency ). I requested to be transferred to the credit department so inquire about having the derogatory message removed from my credit report and was told that this would not be happening, even though I was not the cause of remark being there. I was told that I was not enrolled in autopay even though I had just transferred from enrolling in the program, was told that was not possible. This was the same call, on the same day after 5-6 transfers from representative to representative, setting up a monthly autopay amount of over and above the monthly requirement, and then told by the credit department this was NOT possible. After another representative clearly read to me that I WAS in the autopay and program correctly identified the bank the money is taken from. The last representative transferred me to his supervisor and of course, we got " disconnected '' ... .the line goes dead.
Company Response:
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/XXXX, I called the bank told the teller that someone was taking money out of my account and I did not want it, please dont allow it, she said I c it, its still pining, I said ok stop it dont give it to them, she said as long as its pining I cant do anything, it has to complete, I said but I dont want them to have my money, once it completes they will have my money, she said once its completed u can put in a dispute, I did, 9 days later they put my money back, after 3 months, i go in my account and they had took all my money and said I was overdraft, {$4900.00} was the amount that had been taken at first, they denied my dispute, {$2100.00} was taken by the bank cause thats all I had and they called it a overdraft for the balance, they r saying I overdraft the money, thats not what happened, now saying I have XXXX more in overdraft, thats not what happened
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: In XX/XX/2020 I financed a new vehicle with Fifth Third Bank. Fifth third bank has yet to send the title to the Louisiana XXXX so I can get my car registered in the state of Louisiana. I am not able to drive my car because the temporary license plate expired.I have contacted fifth third multiple times and they keep telling me that someone named XXXX is working on my case and he gave me a call however XXXX has never give me a call.I have also reported this company to the XXXX XXXX XXXX.I purchased a vehicle in the state of Arizona Arizona is a electronica title transfer state however fifth third cant seem to get the title through electronic transfer for some reason.
Company Response:
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A