Date Received: 2021-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, FIFTH THIRD BANK add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written auth orization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Whenever I make a WIRE transfer to my Fifth Third Account they take XXXX from the incoming WIRE, however the past 4 times the bank employees got really LAZY in their handling of my WIRE fees. THEY BEGAN to not take it out of SOME and others they WOULD take the XXXX out of the incoming WIRE. I started to write down whenever they would NOT take out the XXXX WIRE fee and when they did because this is a bank where, the very second they begin making small errors, they tell themselves that the customer is not watching, and XXXX XXXX was yesterday so they assume that customers are not paying attention. I did not do a wire yesterday, so for them to steal XXXX from me is fraud and banking discrimination, they assumed that me, as a XXXX veteran, is too tired to pay attention, The took XXXX $ from my last WIRE transaction, and wired 24 hours then put a negative XXXX balance on my account trying to keep a banking error pattern that was inconsistent with their fraud. Please tell them to stop making errors, I was watching, and I want my XXXX back. I was not partying for the XXXX, instead I was watching my bank steal from me. Fifth Third Bank is a very dishonest bank.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I was in arrears due to decreased income from the pandemic, and called to try to work out a way to get current. Fifth Third Bank was entirely unwilling to take anything than the full amount up front, and clearly thought they could get stimulus money first from me when I dont have any. They opened a whole program around this and prey on folks support checks. After working two weeks to get the amount needed to fix the loan status, I called this morning to arrange payment. Ive also made regular payments even while in arrears of the due amount to try to get Fifth Third something. They told me now that the amount they asked for two weeks ago isnt good enough, and the account has been charged off and I need to pay the full balance of the car. I hear about other banks working with folks to lower payments, or add them to the end of the loan, and so on - Fifth Third wont even try to work with me to get an account current on the same impossible terms they gave me two weeks ago! The goalpost is always moving and they do nothing except demand more with each call.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have repeatedly called Fifth Third Bank ( my mortgage company ) for a Forebearance letter in order to get a reverse mortgage on my house and they refused to give me this letter. They also refused to provide my reverse mortgage company ( XXXX ) and I gave them power of attorney to obtain this info. I am XXXX years old and without this letter my house can go in foreclosure and lose my house. My account # is XXXX Phone # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Home phone XXXX
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Fraud for {$70.00} on XX/XX/20, {$100.00} on XX/XX/20 and {$100.00} for XXXX are all Fraud wrongfully denied.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I used my payroll card issued by wisely to purchase a XXXX present from XXXX and they disputed the charge without my permission, closing my card on XX/XX/XXXX. The dispute was settled with XXXX on XX/XX/XXXX with XXXX losing and XXXX removing the money from XXXX account. According to wisely there was no dispute and no refund was processed by XXXX so there is no money that is supposed to go back to my account. XXXX is not understanding that XXXX has already lost the funds by losing the dispute and will not process an additional refund because that means they would lose out on the funds twice. XXXX is not understanding or helping this situation even after a conference call between us so XXXX suggested this route to help us all get our money back
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was transferred to XXXX Bank for servicing in XX/XX/XXXX. Since then, there have been nothing but problems. The policies and procedures regarding the bank 's automated payment policy have caused me to be late on two payments XXXX in XXXX and XXXX, XXXX ), and pulled a double payment last month XXXX XX/XX/XXXX ). The bank charged late fees on top of those, and credited back one of the two fees. I had originally attempted to sign up for the automated payments, but they did not process the application, and put it into a temporary autopay status, then finally got that resolved a few months later. I worked through the paperwork again in XXXX, submitting everything appropriately, and XXXX did not process it. They sent me a follow up letter toward the end of XXXX saying that I had to resubmit the paperwork. Because I had a payment due XX/XX/XXXX, I made that payment manually. However, it appears that XXXX actually did process my application and pulled my payment in XXXX, causing me to have a double payment. I later received a statement that I wouldn't have a payment due until XX/XX/XXXX, because of the double payment. Though I was not happy with that, I accepted it without complaint. Then XXXX pulled the autopay on XX/XX/XXXX, despite there being no payment due. These sum up a host of bad practices, and XXXX needs to have some accountability in its practices. It's a clear display of incompetence in managing their autopay program.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Private flood insurance policy renewed with escrow payment from 5/3 bank to XXXX XXXX, XXXX XXXX XXXX for the XX/XX/XXXX to XX/XX/XXXX term. Insurance policy was in effect for all of XXXX - no lapse in coverage since 5/3 paid the insurance in full for the year of XXXX. XX/XX/XXXX : Notice of Flood Insurance Requirement from 5/3 Bank sent to homeowner stating that our current flood insurance policy with XXXX XXXX, XXXX XXXX XXXX, does not meet the FHA guidelines for our home loan and we have 45 days to find new policy before it renews on XX/XX/XXXX. No other communication was sent prior to XX/XX/XXXX about non-compliant insurance policy. XX/XX/XXXX : Private flood insurance policy with XXXX XXXX, XXXX XXXX XXXXXXXX, was paid from 5/3 escrow account even though we received a letter in the mail on XX/XX/XXXX stating this policy was non-compliant under FHA Guidelines. XX/XX/XXXX : New NFIP policy with XXXX XXXX paperwork sent to 5/3 lender and paid in-full ( new NFIP policy was NOT paid with escrow ). Confirmation on 5/3 account that new policy meeting NFIP guidelines was received. XX/XX/XXXX : New NFIP policy with XXXX XXXX active. XX/XX/XXXX : Evidence of Insurance letter from 5/3 sent to us stating that a lender-forced flood insurance policy with XXXX XXXX XXXX XXXX XXXX XXXX was taken out for our home even though we had confirmation that our NFIP policy with XXXX XXXX was received on XX/XX/XXXX and effective on XX/XX/XXXX. The letter was back-dated showing that the policy with XXXX XXXX XXXX XXXX XXXX XXXX was active from XX/XX/XXXX - XX/XX/XXXX without out knowledge ( no prior notices received that there would be a lender-forced policy on our account for the year of XXXX ). XX/XX/XXXX : Mortgage Annual Escrow Analysis from 5/3 sent to us stating our escrow was negative by - {$150.00}. Paid in full on the phone and received confirmation number. Account reflects that this was applied. XX/XX/XXXX : {$1700.00} taken from escrow to pay for lender-forced flood insurance policy from XXXX XXXX XXXX XXXX XXXX XXXX, even though we had sent notification of new NFIP Policy with XXXX XXXX on XX/XX/XXXX that was paid in-full and not from escrow. XX/XX/XXXX : Private insurance policy with XXXX XXXX, XXXX at XXXX cancelled for the XXXX term. Have yet to receive refund for this policy from insurance company. Week of XX/XX/XXXX : Insurance representative with XXXX XXXX insurance, XXXX XXXX, called 5/3 and put me on the line. Spoke to a woman in Escrow Department at 5/3 who told me to ignore any future communications about the force-placed lender insurance policy from 5/3, that it was cancelled and wasn't even showing on her end as an active policy, and that the money would be returned to our escrow account. XX/XX/XXXX : Mortgage Annual Escrow Analysis sent to us stating our escrow was negative by - {$1700.00}. XX/XX/XXXX : Went into 5/3 branch and spoke with Personal Banker II who called mortgage department and escrow department. Spoke with 2 different women in insurance center, XXXX and XXXX, on the phone. XXXX stated that on my account, she could see where on XX/XX/XXXX a cancellation was started for the force-placed lender insurance policy and that there was no active policy on my account for XXXX XXXX XXXX & XXXX XXXX XXXX. She also saw that on XX/XX/XXXX that a request for an escrow reanalysis was in process, and the escrow re-analysis was completed on XX/XX/XXXX. XXXX said a letter should be coming via mail soon stating that the force-placed lender insurance is cancelled and if the escrow payment for this policy, {$1700.00}, was not refunded before our mortgage payments increase to cover the negative escrow balance, that 5/3 escrow department will also refund the extra escrow payment received to cover the negative - {$1700.00} balance. XX/XX/XXXX : Called Insurance Department at XXXX and spoke with an agent named XXXX. Then asked to speak to the supervisor, and was transferred to a man named XXXX. He said that the letter of evidence of insurance from 5/3 was back-dated to the first day of non-compliance for our flood insurance policy with XXXX XXXX, XXXX XXXX XXXX, which was XX/XX/XXXX to XX/XX/XXXX. I told him that before XX/XX/XXXX, we were NEVER made aware that our private flood insurance policy with XXXX XXXX, XXXX XXXX XXXX was non-compliant for basically the entire year. As soon as we received the non-compliance notice in XXXX, we immediately got a new NFIP policy on our home that was sent to 5/3 on XX/XX/XXXX and active XX/XX/XXXX. He said he would " send it to his higher ups to see if an exception can be made '' regarding the return of the payment for force-placed lender insurance, but there was no guarantee. He also couldn't tell me which department he was sending my information to, but that he would look into it but wouldn't know when I would receive communication about all of this again since it was getting sent off to his higher ups in a different department. I had told him what multiple 5/3 employees told me beforehand that the force-placed lender policy was cancelled and my money should be returned to escrow, and he apologized and told me " I am sorry they told you wrong. '' The call ended leaving me more frustrated, confused, and in disbelief that especially during a pandemic, 5/3 was gouging our escrow account for even more money for a policy they placed for our property we didn't even know existed and had failed to notify us of in the first place. I am very confused why there is such a breakdown in communication and notifications on 5/3 Bank 's part to us, the borrower, about our insurance policies, and why multiple agents are telling me to disregard future notifications from 5/3 and that the {$1700.00} would be refunded to our escrow account. That being said, If the original private insurance policy with XXXX XXXX, XXXX XXXX XXXX, was non-compliant on XX/XX/XXXX, why were we only made aware of this 11 months later in XX/XX/XXXX instead of right away so we could correct it, like we did, ahead of time to avoid force-placed lender insurance? We also never received any notice that 5/3 was going to force-place insurance on our property until a bill came in the mail with evidence of insurance on XX/XX/XXXX and the payment was taken out of escrow on XX/XX/XXXX for XX/XX/XXXX to XX/XX/XXXX. I am going to go back to the same 5/3 branch today to read them this complaint and have a personal banker try to call again to see what is going on if they can receive more answers. I emailed my insurance agent, XXXX XXXX, who said that they received no notice on their end that our flood insurance policy was non-compliant last year for the XX/XX/XXXX to XX/XX/XXXX term. I am also waiting for XXXX to call me back to see if he has heard anything from his " higher ups. '' At this point, I am also going to write a formal notice of error to 5/3 Escrow and Insurance Departments and refinance my home with a new lender when this is settled. As a 10+ year customer of 5/3 bank, I am disappointed in the lack of communication to us - the borrower,, the breakdown of communication between departments, and the unethical practices that we were subjected to. The last I read it was unlawful to impose force-place lender insurance on a property without at least 2 formal, written notices to the borrow which we DID NOT receive before it was wrongfully effective for our property. We just want our money back and for this situation to be corrected : give us our money back in our escrow in the amount of {$1700.00} and cancel the force-placed lender insurance policy with XXXX XXXX XXXX XXXX XXXX XXXX and send us confirmation that this has been done.
Company Response:
State: KY
Zip: 42301
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: On the XXXX of XXXX, XXXX I contacted Brokerage staff at Fifth Third Bank ( XXXX XXXX and XXXX XXXX ) indicating that I needed to use an investment account to fund a wire transfer to my XXXX bank. I have resided in XXXX for many years, without condition as to time, with permission from the XXXX for XXXX. I am currently in a long term stable relationship with XXXX XXXX, who is an XXXX citizen. That relationship is important as we have both recently become pensioners and we are contemplating a joint investment in property. Notwithstanding the fact that I issued instructions to them over the phone regarding my investments, they told me that I needed to appear in person to order the wire transfer. I made arrangements to travel to XXXX in XX/XX/XXXX give the instructions to them in person. In late XXXX the global pandemic began. When travel was prevented by health restrictions I contacted my XXXX XXXX branch to discuss a means of transaction that reflected the extraordinary circumstances that had arisen. The staff was not quick to respond. During XXXX they passed my request to a different office and my emails were ignored. In my emails I suggested various ways to satisfy their concerns regarding issues of Identification and Verification. Some confusion arose as for some reason emails they sent to me went straight to my XXXX XXXX. It is important to note that Fifth Third Bank prohibits overseas phone calls by staff, even with respect to Brokers. The staff I contacted around this time included XXXX XXXX, XXXX XXXX and XXXX XXXX. I also spoke with XXXX XXXX regarding my decision to close all my accounts as I had lost faith in the bank I conducted online transactions and then identified these to the bank in the hope that this would help to establish my identity for the purpose of setting aside the in person rule. On the XXXX of XXXX, out of desperation, I swore an affidavit in XXXX and sent it by Registered Post to the President of the Bank, I included instructions regarding the closing of all my accounts and a demand to have a Bank Draft sent to a personal representative living in XXXX XXXX Michigan. My letter was ignored. Around the middle of XXXX I was able to make contact with a Regional Supervisor who has an office in XXXX XXXX. As a result I then made contact with XXXX XXXX. At this point she stated that the bank agreed to set up a procedure whereby I could order the closing of my accounts, with the final amount wired to XXXX XXXX XXXX in XXXX XXXX XXXX. Emails were quickly exchanged which clarified the many steps that the Bank was insisting upon. Remarkably, when the procedure was scheduled to start, the bank was incapable of meeting the steps of procedure they had insisted upon as a substitute for their in person rule. Even more remarkably, they then wired the money to XXXX having forgone all the Identification and Verification, which they has set as conditions. I assert that this process in XXXX was something that I asked for in XXXX. The bank obstructed that transaction without a legitimate reason. Given that what occurred in XXXX was identical to what they obstructed three months earlier, they are guilty of bad faith and failure to protect my consumer rights.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: I am writing this correspondence in regards to the recent activity and service surrounding my Fifth Third bank accounts ending in XXXX and XXXX and their unfounded closures by your corporation. In XXXX I refinanced my home via Fifth Third Bank and received a Flex line account ending in XXXX in the amount of {$140000.00} Upon receiving the account with Fifth Third bank they made me aware that I would be able to access the funds without restriction. In XX/XX/XXXX I completed two wire transfers through my account to XXXX XXXX to my family and those transactions were completed successfully and without incident. In XX/XX/XXXX I attempted to complete a similar transaction from one of my account in the amount of {$25000.00} I received an email from bank personnel XXXX, XXXX stating that I tried to reach you by phone to inform you that at this time the foreign wire we initiated has been rejected. Upon receiving the email I called him back and he further explained that the reason for the rejection was due to the money is going to High Risk Country. The money was then released back to my account endingXXXX on the following day. On XX/XX/XXXX I visited the branch on XXXX XXXX XXXX XXXX XXXX IL XXXX. I Spoke with bank personal XXXX XXXX explaining to her that my recent wire transfer had been rejected, I then asked her to call the wire transfer department to insure that my next attempt would be successful giving the exact amount number along with the Flex line account she was able to speak with the department and they confirmed that the transfer would be processed if attempted a second time. On the same day at XXXX XXXX XXXXXXXX XXXX called me back stating that they would need evidence of what I would be using the money to do in XXXX. I explained to her that it was for my mothers medical expenses and for a house project. I was then asked for documentation as proof of my reasons. I stated that I had never been asked this in prior transfer and I did not feel it was necessary to provide documentation of my familys private information surrounding the transfer, as I had completed similar transactions successfully prior to the current. XXXX then said she would speak with the wire transfer department and she would follow up with me. The next day XX/XX/XXXX I returned to the bank and spoke with XXXX, she then made me aware that a hold had been placed on my checking account XXXX ; however the money that was being wired was transferred from my Flex Line account to my checking account. I then asked XXXX why this was happening as we had already confirmed the transfer would process the day prior with the department and she then stated that the account was under review and had been assigned to bank personnel XXXX XXXX ( XXXX ) XXXX. I waited to hear from XXXX and did not receive a call until XX/XX/XXXX. When speaking with XXXX she asked me Where are you from ... I barely can hear you and what is your current address and previous address?, what is your social security number? XXXX then began interrogating me, asking me about what I would be using the money for. I then again explained as I had with XXXX, that I would be using the money for my mothers medical expenses, and home projects. At which point XXXX then began to berate me with questions regarding the previous months of my accounts transactions. She then began to make statements why did I just not use a cashier 's check instead of money order in previous transaction the questioning preceded further about my previous months of transactions. I then asked her why she was interrogating me regarding previous transitions that were not relevant to the current transfer. I told XXXX that she could look at my accounts and see what and how I had been using my funds. She then stated that she would speak with higher management and get back to me before the end of the day. I did not receive a call back. Next day I called XXXX back, leaving a voicemail asking for follow up regarding the matter. I then went to the bank headquarter XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I spoke with a bank representative and they called XXXX, explaining that I had come to requesting follow up surrounding our previous conversation. Immediately after their conversation XXXX called me and stated I am still working on it. I then asked her on what grounds was the bank placing a hold on my account? She replied that, She did not have to repeat herself and she already told me yesterday. I then responded what do you mean? I demand to know why you put a hold on my account she then said Sir stop yelling to which I responded I am not yelling that this is how I speak she then said I asked you questions yesterday and you did not answer and then I said Yes, I did answer all your questions then replied You did not because you are doing something you are not supposed to be doing after which she hung up on me.. At which point I received a letter from the Fifth Third bank stating that they would be closing both of my accounts and reporting me to the credit bureau because of the last transaction. The actions taken by Fifth Third bank were not only unprofessional but in large part discriminatory against me as an XXXX XXXX, as the issue was not lack of finances or fraudulent practices but simply the country it was going to and the assumptions of one bank personnel who had no evidence to support her accusations. As an XXXX XXXX man my immediate family lives in XXXX. It is also my belief that these discriminatory practices prohibited me in sending financial assistance to my sick mother who was depending on me to send her money for her life saving XXXX. As a direct result of my accounts being placed on hold, and then cancelled without sufficient grounds and based purely on speculation I was unable to send the last payment to my mother for XXXX and as a result of not receiving payment she was unable to receive the XXXX and therefore, she passed away a few days later. I have reported this to the Consumer Financial Protection Bureau. And I will further be taking legal action to resolve this matter. I am appalled and disheartened at the lack of fair practice and blatant discriminatory practices that were displayed by fifth Third bank.
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A