Date Received: 2023-10-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Fifth Third Bank blocked me from accessing my checking account and fund in the account since XXXX XXXX XXXX The account had a balance of {$15000.00} at that time. Fifth Third Bank claimed to have closed this checking account on XX/XX/XXXX. However, Fifth Third Bank did not send the account balance of {$15000.00} to me and has not provided all information detailed this account closing claim and its related balance.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Fifth Third bank has a loan advance service similar to payday loans. Loan advances are made and paid back through paycheck direct deposit dates. I have done this a couple of times using my checking account. I initiated an advance on XX/XX/16 in the amount of {$650.00}, agreeing to pay the fee that serves as interest. On the XXXX I transferred money from an external account into my XXXX checking out. Fifth third decided to take back the loan with interest before I could use the money. I called when I saw this transaction pending and asked why. XXXX, the CS rep said per the terms and conditions it was because money was coming into my checking account and apologized. I told him that money that was coming into my account was a transfer and not a direct deposit, he offered another apology. After reading the terms and conditions on my phone which clearly states that payment is collected from a direct deposit, I called XXXX back and asked for a supervisor. After explaining the reason for requesting a supervisor again, XXXX the account supervisor clearly misstated the terms by adding " it's any ACH '' which was not part of the language in the statement I read. I proceeded to end the call since she was giving me pushback and not supporting what was clearly in black and white. The information clearly states I have 45 days to repay the advance.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/23 I received an overdraft notice alerting me that I had overdraft charges on my account I have included this notice in this complaint In this notice it shows a balance of {$200.00} The notice alleges that the XXXX charges that came in that, brought the account down to {$96.00} ; and then allegedly the XXXX XXXX PAYMENT FOR {$200.00} OVERDRAFTED THE ACCOUNT However in my account statement in online banking, that is also attached it shows this XXXX XXXX payment having been paid and an ENDING DAY BALANCE of {$1.00} These two different balances and accounting are in direct conflict of each other and both fifth thirds own numbers. The account statement shows a very different balance than what fifth third alleges was the ending day balance that day. It does not show the bank paid these 2 incoming charges from the XXXX and thus when the XXXX XXXXXXXX payment came through, there was only {$96.00} and not enough funds, over drafting the account for that XXXX XXXX payment. This statement shows the XXXX XXXX payment was paid and posted, thus the overdraft charge and overdraft statement is incorrect and indirect conflict of the banks own account summary statement. IF THE BANKS OVERDRAFT NOTICE IS CORRECT, AND THEY PAID THOSE 2 CHARGES AND THERE WAS NOT ENOUGH FUNDS FOR THE XXXX XXXX PAYMENT ...... WHY WAS THE ACCOUNT OVER DRAFTED THE FOLLOWING DAY FOR CHARGES THAT WERE SUPPOSEDLY PAID ALREADY?? THE BANK DEDUCTED PENDING FUNDS WITHOUT APPLYING THEM IN ORDER TO REORDER POSTING ORDER AND MAXIMIZE OVERDRAFT FEES AGAINST CUSTOMERS THESE FRAUDULENT PRACTICES OF THE BANK HAVE SET THE ACCOUNT NEGATIVE AND CREATES A DOMINO EFFECT OF NEW DELINQUENT FEES. EMPLOYEES OF THE BANK AGREE THE ACCOUNT SHOULD NEVER HAVE BEEN CHARGED THE ORIGINAL OVERDRAFT FEE FROM XXXX XXXX. HOWEVER THE BANK 'S FAILURE TO REVERSE AND CORRECT THESE ORIGINAL ERRONEOUS FEES IS CREATING NEW COMPOUNDING FEES.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
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 I signed a contract for Solar Panels on my XXXX Florida home through Dividend Solar. Part of the contract was a performance guarantee, which stated that the solar panels were guaranteed to produce a specific amount of energy, which could be monitored via a mobile application. Within days after the install, I noticed that the solar panels did not produce nearly the amount promised by the company. I contacted the company, who sent a technician out to check the panels. I have hundreds of emails saved documenting all of the hours I invested attempting to get this issue resolved. I have the original signed contract, which states " If, for any continuous twenty-four ( 24 ) month period during the Guaranty Period, the Actual System Output is more than fifteen percent ( 15 % ) below the projected total in kWh of the Estimated System Output for the same twenty-four ( 24 ) month period, as set forth in the Work Order related to the PV System, Contractor shall be obligated to cure any shortfall such that Actual System Output is within ten percent ( 10 % ) of Estimated System Output going forward. '' In XX/XX/XXXX, Dividend finally sent out XXXX XXXX, an independent third party to assess the situation. The findings of the third party were that the solar system that was installed was inadequate, and would never produce the amount of electricity guarantied in the contract. I discussed the findings with Dividend, and they indicated that they had no intention of replacing the solar panels with the correct ones. At this point Dividend charged off my loan and it destroyed my credit. I have contacted XXXX, and filed a dispute, since this was clearly a breach of contract case. XXXX closed the dispute, and the negative entry still remains on my credit report.
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Between XXXX thru XXXX I had an excess of XXXX declined transactions that were captured after the soft declines took place. I having fund 's, wasn't able to make purchases from an online casino. Assured the declined transactions would fall, they were captured instead. And the snowball came rolling, as I opted OUT of overdraft protection and yet 5/3 Bank added fees to the declined transactions that were taken. And that piled up and piled up. I contacted the merchant and learned that they for 24 hours locked up my card. Which had they not stolen my declined transactions that probably would be fine. But my statement read on the XXXX, XXXX XXXX XXXX of all have excessive charges and added overdrafts Bec the process of the whole swipe. I from opening my account and insisted that I a first account holder didn't want overdraft protection. That I was new to banking and could not handle or want the Open door that could lead too ( XXXX ) so I've seen and heard overdraft protection woes. I needed the account so I opted out. Somehow they charged me fees in excessive amounts. So a {$2.00} dollar declined transaction was added XXXX XXXX in excessive amounts. Reoccurring day after day after day. The bank has treated me like a criminal and doesn't give me but ridiculous run around insist on me idk, I just know that when I leave my bank I feel stupid and they discriminate against me to a temporary card offered to " XXXX XXXX and I was told they didn't have any. I've tried to contact the merchant and that's how I learned the 24 hours locked from purchasing coin 's. So I don't understand why my bank saw the soft declines and kept my money that should have fallen to be infact recapture ina revenue recovery process. The bank just added XXXX 's of dollars on weekends yet I never let my count draw negative as it would decline if I opted for no overdraft. Because of my daily use ( never again ) the bank added fees I didn't ask for or opt for upon opening my account. So why did they add the fees? And the common courtesy of deposit my cash deposit before they added illegal fees to my account. The fact that they treated me like a criminal and discrimination towards my lack of knowledge of the master card policy and the legality of the overseas casino, and the bank allowing the declined transactions to be forced and captured anyway. Is fraud and I had no idea whom made the purchases as to my purchase was declined for detail information entered wrong try again or contact customer service. XXXX declined transactions were stolen from my account, the Bank added fees I didn't opt in for and I'm sick to my stomach over this. I need to be made whole again. XXXX and I don't know what to do. I learned a lesson or two but one should not be in the like of XX/XX/XXXX and would rather bury my money then you ever let a bank do what this 5/3 branch located in XXXX KY, at the XXXX branch on XXXX XXXX XXXX, XXXX, KY XXXX I filed 1100 disputes but they were declined because idk why? They should have protected me money from recapture, they
Company Response:
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XX/XX/23 @ XXXX, I received a call from the company 's bill collection department. The representative told me my account was due for XXXX payment in the amount of {$320.00}. I told the representative that there should only be a late fee for the current payment. The representative told me he was only acquired to remove the additional late fees. All fees should have been removed as discussed with a previous representative in XXXX which the payment made through ACH would have made my account current. The representative was rude during our conversation after hearing my frustration regarding the additional fees. The representative told me " I should not allow my feelings get the best of me ''. I told the representative he should not have the right to tell me how I should feel of being told to pay additional fees that I assumed were taken care of in XXXX. In addition to having to deal with insensitive representatives, I was not notified by this company transferring my loan with Fifth Third Bank.
Company Response:
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Mortgage ( Fifth Third bank ) company reported a 30 day late on my credit report for month of XX/XX/ in XX/XX/XXXX XXXX before the 30 days. I was dealing with a medical emergency out of country and told them Id make the payment. It was on auto pay but apparently it didnt get set up through their system. I was also in process of buying a home and this issue on my credit came up and prevented me from being able to close on purchase which led to me losing money as well.
Company Response:
State: CA
Zip: 90638
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My fifth third bank checking account continues to be charged overdraft fees because they hold temporary authorizations for over a week. So while these temporary authorizations are being held unfairly, they charge me numerous overdraft fees. Then the transactions inevitably drop off and my account would be positive expect theyve already charged me overdraft fees unfairly. Ive tried with countless supervisors to refund the fees and they wont. They dont care. And when I do the math for them and show how unfair it is they still dont understand or care to give me my money back for the fees. This is unacceptable and robbery. Please do something.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am still continuing to have issues with Fifth Third bank. I am beyond sick of issues and fees with this bank I called in because I was assessed two {$37.00} fees, and the guy couldnt even give me a clear answer at first as to why the fees were even assessed to my account because the one transaction he claimed that made my account negative was not the actual one so then he said it was two other transactions and it short my account was charged a {$37.00} fee for being overdrawn {$1.00} approximately and then a separate transaction for 10 or {$11.00} from XXXX I have been having continuous issues with the my advanced feature on the app not working and at the time I had more than enough funds to initiate the my advance feature which shouldve covered the -11 or {$12.00} on top of that I wouldve had up funds of the 11 or {$12.00} in my account if I did not have unauthorized transactions on my account that I had to file dispute for for companies charging me illegally without my permission Furthermore, I want to add that I did try to even use the 24 seven chat feature at Fifth Third offers, and I spoke with an agent who said that he was looking into the matter of the fees and the transactions, but never actually came back to respond to give me any account information for almost 30 minutes he kept reading my messages I said OK and read but the agent actually never responded. Ive been having nothing but customer service issues and overdraft fee issues with this bank repeatedly I always bring my account to the positive by the end of the day if my account is negative at all and if theres other ways that Im supposed to do that because once again, Fifth Third mobile app is not working and sending me messages saying that its not able to do transfers and so forth then what am I supposed to do? How am I supposed to know to go through other platforms on Fifth Third to fix their technical issues that keep happening, especially when the 24 seven customer support doesnt provide any help
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: My Father and grand mother inheritance too me was never received and I also need help getting his house mortgage transfered in to my name.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A