Date Received: 2021-02-01
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: XX/XX/2021. A purchase of {$49.00} by merchant vod info was made on my card. I did not make that purchase ... I called the merchant phone number in the description and the phone number has been disconnected. I called XXXX XXXX payroll card customer service and they tell me it will take 45-90 days to process a dispute. It should not take 45-90 days to resolve a dispute!!
Company Response:
State: ID
Zip: 832XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX ; I made complaint with the CFPB : After over 20 calls to Lender, I can not seem to get any attention from Fifth Third Bank. I have a XXXX owned loan on my home service by Fifth Third. I entered the Forbearance program at the beginning of the pandemic when it was offered. I was able to miss 6 payments but I made 3 of the 6. The Bank and I elected to add the missed interest ( it's an interest-only loan ) payments to the end of the loan ... .and normal payments were to re-start on XX/XX/XXXX. Fifth Third charged my for an payment in XXXX incorrectly as it was still part of the forbearance period. Their own correspondence agrees with this date. I've made all of my regular payments since XXXX. Not only does the Bank list an erroneous payment ( that was part of the forbearance period ) ... they have now reported it to the credit monitoring agencies and are harrassing my by mail and phone. I believe this to be FRAUD. If they would only spend a little time on this ; they would find out their mistake as it is clear in their correspondence. They are trying to collect 13 payments on this loan in XXXX. The Loan officer assigned this loan never returned my have dozen calls in the last weeks. Yet, the Bank officers I was able to speak with agreed the Bank was in error. Fifth Third responded to the CFPB complaint but not to me : the customer. After making all of my payments on time since the end of my deferral period ; the Bank has returned two of those payments ( as their servicing system can not catch up with the solution to this issue ). I have only received one of those refunds and NEVER CASHED THE CHECK ... so the payment is still at Fifth Third. I will NOT cashed the second returned payment if/when I receive it. This mortgage is current and on-time. The Bank, WITHOUT my request or authorization, has processed a further Deferral on my Mortgage. I neither asked for that nor will I accept it. I believe Fifth Third remains in a Mortgage Fraud situation and they could resolved same but just communicating with the customer on any of the calls I make almost every day!!
Company Response:
State: PA
Zip: 19087
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: FRIDAY AFTER XXXX I WAS SENT A TEXT THAT CLAIMED TO BE XXXX EMPLOYEE BUT WAS A SCAM.AT THAT TIME I DID NOT GIVE HIM ANY WRITES TO MY BANK ACCOUNT HE MUST HAVE GOT IT THROW MALWARE TO GET IN TO MY ONLINE BANKING AND MANIPULTED MY BANK ACCOUNT MY THOUGHT AT NOW IS WHY RED FLAGS WEREN'T THROWN UP.MANIPULATING MY ACCOUNTS.AT THAT TIME HE SAD GO TO COMPUTER AND HE WOULD REFUND XXXX CHARGE BACK TO MY ACCOUNT HE HAD MY ACCOUNT PULLED UP IT SHOWED I HE HAD PUT XXXX DOLLARS IN SIDE OF XXXX REFUND.THE PROBLEM IS WHEN I CLICK ON THE TEXTMESSAGE HE HAD MY STOLE MY COMPUTER THRU MALWARE.THEN AFTER HE HAD MADE A XXXX MISTAKE HE DEMANDED HIS MONEY BACK HE CLAIM I HAD STOLEN HIS MONEY FROM FRAUDULANT MADE UP HACKER ACCOUNT.I FILL LIKE THE BANK SHOULD BARE SOME RESPONSIBLITY WHEN MY ACCOUNT IS BEING CHANGED FROM ACCOUNT TO ANOTHER.
Company Response:
State: KY
Zip: 40324
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of 2018 I relocated to a new state and decided to close my local account and credit card with 5/3 bank. I went into a branch in XXXX KY and closed my account and instructed banker to close my card and paid my credit card in full. I was handed the remaining balance after full payment on my card in cash and was told to shred my card. I never received any mail or further contact from 5/3 indicating my card was open and had a balance. I was not aware until this year when I requested a credit report that my card I was told was closed and paid in full actually was open and had a {$2.00} balance that is now listed as a serious delinquency for being unpaid. I contacted 5/3 and they confirmed that this was their mistake and they would remove this and notify credit bureaus but that did not happen as it still shows up on my report. I also placed a consumer statement on my report at the time explaining as well. I need this resolved as this is inaccurate and unfair and I am being penalized for something that was not my fault. I have always used all credit responsibly.
Company Response:
State: HI
Zip: 96793
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We are in the process of selling our home and our title company has been trying to get a payoff quote from Fifth Third since XX/XX/XXXX. We were supposed to close on XX/XX/XXXX, however, without a payoff quote, the underwriter for the buyer can not proceed without risk since they would need to pay the disbursements. Title company called Fifth Third on XX/XX/XXXX to request the payoff, quoted 2 business days and would be faxed. Not received. Title company called Fifth Third on XX/XX/XXXX to check in status, confirmed it was not received and had to request another payoff, quoted 2 business days and would be faxed. Not received. I called in on XX/XX/XXXX and spoke to an agent saying the fax was not received and they said they need to request another payoff, quoted 2 business days and would be faxed. Not received I called on XX/XX/XXXX and confirmed a payoff had been requested and it went out on the XXXX. When I told them the fax was not received, agent said I would have to request a new payoff. At that time, I told the agent this is now our fourth request and I had to escalate to a supervisor and spoke to XXXX. They said they see the payoff, was able to download and was planning to fax it to me that day. I received a call back from XXXX asking me to call back in to speak to a supervisor because there was a reason why it could not be faxed. I received an apology from XXXX on the fact this was not caught earlier and should have been escalated as it clearly shows we have called in for multiple requests in just 2-3 weeks. I called back and spoke to an agent and asked her to let me speak with a supervisor. The agent did not listen and continued to try to explain to me why it took 2 business days. I told her, I already spoke to a supervisor and another agent earlier that had explained that to me. I again asked for a supervisor which she then connected me with XXXX. XXXX reviewed and confirmed that since it is a manual payoff quote, it has to be mailed. I asked if why does it need to be re-done when the payoff quote requested was through XXXX and should be the same as the previously requested quotes that the previous supervisor was able to pull up. XXXX proceeded to tell me this was their process. She also shared that they are not notified if a request was denied or not. I asked her to make an exception because at this point we were in danger of not being able to close on XX/XX/XXXX. When I asked her if this could be expedited, she proceeded to tell me there is no phone number or contact with the processing department that generates the payoff quotes. She apologized and said she would follow this since this now sits with their supervisor team and this would take 3 business days. We learned that if we can't get the payoff and close by XXXX, we will need a new payoff. I called back afternoon of XX/XX/XXXX, asked to speak to a supervisor, XXXX this time. She was able to review the notes and confirmed for me if I requested a payoff quote through XXXX, that would not affect the existing request for payoff in the chance we would receive it in time. She was able to now tell me I could have it mailed directly to my title company if I chose to. She submitted the request for me. It is now XX/XX/XXXX with no payoff quotes received to date. We learned that the buyer 's lock expires today and if they can't close, they will incur re-lock fees. This is something we now may have to pay for due to Fifth third 's incompetency of being able to send a payoff quote. To date, we have requested 5 payoff quotes to be faxed and mailed. There are multiple issues here in process that I want to call out : - How many requests and not received calls do they need to receive to understand when to escalate an issue? - They did not understand their own processes when it came to creating a manual payoff - Comment about not being able to connect with the processing center is unacceptable. Saying they don't even have a phone number to call seems counterproductive if there is an issue - Not being able to notify a customer if a request was denied. If we had known it would need to be mailed earlier, we could have requested this back on our first request to avoid the waiting and the re-requesting we have had to do - Sense of urgency is non-existent. There was no empathy with regular agents when it came to understanding how this could cause an issue if we could not close on the original close date of XX/XX/XXXX. This has now caused hardship on not just us but the buyers, who should not have to deal with this incompetency. - I have concerns the delay will allow them to add more fees which would incur more revenue for them which is unfair and unnecessary. If we had been able to close in time, disbursement to Fifth Third is $ XXXX from the sale.
Company Response:
State: MN
Zip: 55304
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I tried to make a transfer into an account at Fifth Third Bank in order to cover a check I was writing. I initiated the transfer before writing the check, but the transfer, for some reason, did not go through. As a result, the bank charged me an Overdraft Fee when the check was paid. If the transfer had gone through, as I was led to believe it had, I would not have been charged the fee. The bank refused to reverse the fee, citing previous reversals within the last year. In fact, one of the two reversals had been miscategorized as a courtesy reversal, when it was in fact a reversal due to bank error, similar to the one that just happened. I believe Fifth Third bank is intentionally mislabeling fee reversals in order to extort more money out of me.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Fifth Third Bank is still reporting a charge off to XXXX from XX/XX/2016. The reporting is listed in a negative context as a charge off status within the report. The negative balance of {$320.00} was resolved with the third-party collections firm utilized for collection by Fifth Third Bank. Per the discussion and agreement with the collection company, this would not be listed or reported in any way to my credit report including XXXX. Neither Fifth Third Bank nor the collection company has upheld their commitment to not report negative information and/or remove negative information.
Company Response:
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a call from someone stating that they were from a law firm trying to collect a debt from an old closed bank account that I have not used in over eight years. She told me I had until XXXX today to settle this debt or they would continue the lawsuit and report me to the big 3 credit agencies. She said they would also send me to XXXX XXXX and I would not be able to have a bank account for 5 years. She emailed me a letter and I called the law firm for more information but I keep getting sent to voicemail.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: The account went into overdraft moments before closing of the business day. I rectified it before opening of the following. They slapped me with charges. This is very predatory practice as who sees the overdraft minutes before the close of the business day. I wasnt even given a full day to rectify before charging fees. This should be illegal. I have also found on their website grace period checking promotions to which I was told I had no idea what I was looking at by the agent. This bank is terrible to their members just check any social media post.
Company Response:
State: OH
Zip: 45212
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had made a few purchases at XXXX with my 5th/3rd debit card that showed cancelled but the transaction was still pending. They assured me that the money would go back on my card once the transaction was no longer pending. But the money is still not returned to my account. I filed a claim to get my money back but they say it may take 100 days! Claim # XXXX
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A