Date Received: 2021-01-13
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I have an account unknown to me with XXXX which seems to be a prepaid money card. First I received a email from them telling me congrats on opening an account with them. I meant to contact them at that time. Also there was another email of the same, except for it had some other person 's name in it sent to me. So I do not know what is going on with that! Then I just received in the mail a XXXX pay card - which the card is missing from the envelop. So I tried calling their listed number XXXX But without that card I don't have the card number it asks for, in order to go any further in their automated system. I do not want to enter my social security number it requests to do so - I do not know this company. And everything seems so fraudulent already. So I need two things please : Any and all accounts with XXXX closed. Explanation of how these accounts are being opened. Thank you
Company Response:
State: IA
Zip: 51501
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: This isn't from a store. It's from a bank called fifth Third Bank. During the Pandemic, I am on unemployment and collect a partial retirement check. Now this amount has not changed for approximately a year. The unemployment is XXXX every two weeks and my partial retirement is XXXX. Unfortunately, my bill also has not changed. Therefore, on a regular basis I was borrowing money to meet my financial needs. Therefore, I applied and was approved to receive XXXX dollars in advance of which I have to pay back. This is unfortunate and since the pandemic an on going situation. Therefore, when I receive my XXXX it automatically goes my " XXXX XXXX XXXX XXXX ''. Therefore, they deduct XXXX from the XXXX that I owe. which leaves me with a balance of XXXX. Now, what I normally do is borrow the XXXX back to add to my checking account. Then can use my unemployment to pay bills. Unfortunately and periodically, they would change the amount that I can borrow. They would bring it down to XXXX. Therefore, when I get my usual unemployment money they still have the outstanding amount XXXX. Which would then be deducted from the XXXX unemployment amount. Which will leave me the usual amount XXXX. But, they will add XXXX plus XXXX to equal XXXX which my new balance. Then would calculate that I would not be able to receive back my usual amount of XXXX. Instead, I can only borrow XXXX. Therefore, I am out of XXXX. This money is badly needed to pay my bills. So what's the problem? 1. I regularly receive the same amount each month. So, why is this bank periodically changing the amount I can borrow? If my income was fluctuating then I can see the fluctuating approval amount. But, I still receive XXXX every two weeks and XXXX once a month. 2. They automatically take my money and hold it for two days before it's credited to my account. If the money comes on a Friday I usually have to wait until next week Wednesday or Thursday before I see my money in XXXX XXXX Account to borrow XXXX 3. When they lower the amount that I can borrow, what happens to the rest of the money? I get no statement showing where that money went. It just disappears. I have lost a lot of money and no accountability to what happened to this money. 4. I have no control of my money once it hits this bank. I would like to have a payment plan to periodically pay off this loan. Instead, all my income is pulled and some of it I can borrow. Fifth Third Bank Address : XXXX XXXX XXXX, XXXX Fl XXXX Head Loan coordinator XXXX XXXX email XXXX 53.com
Company Response:
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The bank claims there are charges to my account on XX/XX/2021, yet these charges ( unauthorized ) do not show on my statement, or transaction history. After calling the bank on XX/XX/2021 to lift the hold placed after disputing the charges that are not shown, I was unable to make purchases with the card. If they were not unable to lift the hold, it should have been said, instead of having my attempt purchases declined.
Company Response:
State: IN
Zip: 46219
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: The mortgage on my home was paid off in XXXX of 2018. 5th 3rd bank has left the mortgage open and has illegally left a lein on my property. I am unable to obtain a loan against my property with another bank until this lein is removed. I have contacted 5th 3rd bank XX/XX/XXXX. XX/XX/XXXX XXXX and XXXX and nothing has changed. I have had the XXXX county recorders office send over proof of lein on XXXX and XXXX. According to ohio law the mortgage co. Has 90 days after loan is paid off to remove lein on property. My loan was paid off 31 months ago. I want lein removed from house.
Company Response:
State: OH
Zip: 43017
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had a loan with Fifth Third bank beginning XX/XX/XXXX and I bought the home for {$89000.00}. The home was worth more than that so I had instant equity in the home but I still had to pay PMI. I was told that after I pay it down that I could get my PMI taken off and could just call in, but then I was told that I had to write a letter and I did while in the office with a loan officer at the XXXX XXXX location in XXXX, NC. I later got a letter that is need to pay it down to 70 % LTV or I could get it appraised but I stated that it was appraised by XXXX County and when I first moved in. I also faxed another letter when I paid down more but still got the same response. I no longer live there and have and sold the townhome in XXXX.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Fifth/Third Bank 360 Prepaid Card. They run a scam on customers whenever they check into a hotel. The Prepaid Card held itself held XXXX pre-authorization fee whenever I checked into a hotel. They try to steal this fee if you are not paying attention and do not know when it returns. I want my XXXX back. This was not in the card contract. Misleading behaviors
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: This bank purposely arrange what they pay first, Bank fees are extremely excessive.They charge you a fee if you transfer money from your savings to your checking account. I refuse to clear up both of my checking account that will close soon because of excessive bank fees. In my business checking I have {$37.00} fee per day and they havent paid not one of my charges. I spoke with the XXXX XXXX ( XXXX XXXX, GA location ) and was informed that this bank paid the transactions thats why I had the overdraft fee which wasnt true. This has happened twice so you end up paying both the company that you wrote the check to and all of the excessive bank fees
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I purchased a check ( drawn on 5/3rd ) from my neighbors girlfriend who XXXX XXXX for a living. She is aXX/XX/XXXX XXXX to the United States and regularly uses a check cashing service. However, her I.D . is expired and she did not want to go to the DMV during COVID-19 so I purchased her paycheck ( written on a personal check w/XXXX pay in the memo line ) from her. However, when I presented it to 5/3rd on two separate occasions it was met with wrongful dishonor. Dishonor was wrongful because they refused to even check whether the drawer had sufficient funds or had entered a stop payment order. Accordingly, 5/3rd committed a tort against its client/the drawer of the check. Furthermore, they gave me bad legal advice that the person I bought the check from was liable but the indorser of an instrument is only secondarily liable so any action against the indorser for primary liability would be dismissed in court and cost me further money. This standard practice of 5/3rd is in direct conflict with well settled principles of law, causes financial detriment to persons such as myself, and poses a great danger to those in our society who are the least well situated to shoulder that burden. If I can not present an instrument for payment to the drawee bank, then where would I present it?
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Lost or stolen check
Subissue:
Consumer Complaint: XX/XX/XXXX I discovered that I was heir to a {$10000.00} bequeathment from the XXXX XXXX XXXX, XXXX XXXX, Michigan. XXXX XXXX, my cousin, passed in late XXXX. The bequeathment occurred in XX/XX/XXXX. The trustee of the estate is 5/3 Bank, XXXX XXXX, MI. I contacted my cousins lawyer, XXXX XXXX and he put me in contact with XXXX XXXX, the lawyer who worked on the bequeathment in XXXX for XXXX XXXX XXXX. XXXX XXXX is the current Managing XXXX of 5/3 Bank XXXX XXXX, MI. In the documents XXXX XXXX, Vice President & Regional Director-Estate Settlement at Fifth Third Bank, Michigan Area, shared, attached, as proof my inheritance check was sent ( No postmark, no cancelled check, I didnt get it. ). I questioned this evidence and asked to file an identity theft report, client complaint and was referred to 5/3 Head Legal Counsel, XXXX XXXX. She then told me to only contact her or XXXX XXXX. For sharing someone stole my money -- - {$10000.00} and simply asking for the cancelled check. To this date there is no evidence of anyone from 5/3 Bank asking me what happened except a XXXX XXXX letter dated XX/XX/XXXX ( how I wish I had one in XXXX ) from XXXX XXXX, Office of the President. No offer of a CTR or discovery of bank fraud. I am still waiting for the fraud team within Financial Crimes Compliance 5/3 Bank -- -- per XXXX XXXX, Senior Vice President, Associate General Legal Counsel of Fifth Third Bank -- XXXX, email attached. Im told, 5/3 Bank cant find the cancelled {$10000.00} check -- -too old. I say the statute of limitations began at first discovery of harm XX/XX/XXXX. We are in a digital age -- -How didnt this get digitally documented? XXXX XXXX XXXX shared their evidence from the transactions as well, in fact that is when I was referred to XXXX XXXX ( First Legal Counsel ( see credentials elsewhere -- -Im an XXXX XXXX XXXX. ) and told to stop contacting ANYONE else but her and XXXX XXXX at 5/3 Bank XXXX. I had asked XXXX boss, XXXX XXXX, if I could file a customer complaint against XXXX XXXX because of the two memos shared by XXXX XXXX and XXXX XXXX. This was the response. I guess I need to stop doing that. The XXXX memo XXXX shared is riddled with factual errors -- -my name is spelled wrong, my sisters name is spelled wrong and the date is wrong -- -twice. It was to XXXX XXXX. The memo XXXX XXXX shared in XXXX is cleaned up -- -- it is no longer my sister calling -- - but ME. I DID NOT make that call. All the names are correctly spelled and the date and time show a revision. This is what proves 5/3 Bank did their due diligence to obtain my address in XXXX. In XXXX, I am now dealing with legal counsel for sharing a fraud of {$10000.00} in XXXX. 5/3 Bank XXXX is my primary bank. I am a 5/3 Bank XXXX client with a savings and checking account -- -- the same account since XXXX. Ive been trying to file a customer complaint with 5/3 Bank XXXX, MI and now Headquarters, Ohio. I finally researched the President and VP of 5/3 Bank on my own to share my customer complaint. I emailed my request for identity theft/fraud help and customer complaint to both of them. Mr. XXXX responded. I am now at the Office of the President telling me they met their obligation as trustee. How? No proof. No CTR. NO HEIR confirming receipt. I dont know who cashed their checkOr how WE know it was sent Im complaining as a customer, banking client, and victim of identity theft and fraud -- -- XXXX XXXX, and 5/3 Bank, needs to explain why the XXXX memo became the 5/3 Bank GR memo in the fall of XXXX Who cashed the check? There was a bigger fraud in XXXX I am trying to uncover. Sadly, instead, all I have received is pain and suffering from my own bank. Now, a threat of legal action. Thank you for hearing my banking customer complaint. Please see attached documents. ALL email correspondence is available upon request. With Kindness, XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Since you could not find my account in Fifth Third Bank to check possible payment error. For further study of this issue, I provide the following information to the Bank : Fifth Third Bank account number and screenshot from annual report.
Company Response:
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A