Date Received: 2021-01-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: A deposit for my husband was allowed on my account for the amount of XXXX on XX/XX/2020. My husband has recently had another deposit sent to my XXXX account in an amount of nearly XXXX. They have been holding these funds. I have called many times to resolve this issue, I have asked what I need to do to have the payment added to the account since I am the primary holder and his name is not on the account. I have asked the to return the funds to the Veterans Government so they can deposit it into his account. I have explained that his money of XXXX had no issue being deposited into my account, but yet they can't allow this because it is in his name not mine, it is over the limit of XXXX allowed for daily deposit, but yet they can't explain how the first amount went thru no issues. I was told they will send the payment back to the payer but yet that has not been done, on the end of the 5 business days I have been waiting. Then I was told again they will send it back to the government but it will take 3-5 business days. I keep getting hung up on, ask to speak to someone that can properly help me and get the same run around. I will be placed on hold and then they hang up. They are playing with over 25,000.00 dollars of my husbands XXXX XXXX money and I can not seem to get anyone to help me get the issue resolved in any manor. They have been rude and non helpful. I had one agent that was actually helping and heard what I was saying and was attempting to help and we was disconnected. I called back waited the XXXX min asked to speak to that representative and was told they could not transfer calls like that. I offered to email the company in question documentation of my ID SS # Marriage License and Husbands ID to no avail. I even asked to add my husband they said I was unable to do so.
Company Response:
State: NY
Zip: 13069
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have a boyfriend overseas, who I met online. Hes told me he trying to come back to Ohio and he needs to get things done before he arrives back. He told me that he would deposit money into my account from a company that he has people working for him in and wanted me to help him send this money to certain places and people to help him get a place to stay, car, furniture etc for when he arrives back. The deposit came through on XX/XX/XXXX from a company named XXXX XXXX. He asked me to go to the bank on XX/XX/XXXX, XXXX, XXXX to withdraw large amounts of money and send it to certain people. I didnt think anything of it because he sold me on a dream that he was preparing to come home to me and my children, hes spoken about marriage and has even sent me gifts to my home for XXXX XXXX and my past birthday in XXXX and he said he was trying to get things together for us before he arrives. He then asks me to go to the bank again on XX/XX/XXXX. The day of XX/XX/XXXX I attempt to go to the bank and withdraw the amount he asked me to withdraw and it was not approved and thats when I was told they are now looking into the account for fraud. I had no idea all this was going on. I truly believed what the guy I called my boyfriend was saying to me, seeing as I have been talking to him since the beginning of 2020 in XXXX. He was telling me because of covid pandemic he can not leave right now and he has to send his funds over now to get things ready for us before his return and I was just oblivious enough to believe it. On XX/XX/XXXX after I called the fraud department to see what was going on and they told me it was being investigated, I became scared and upset because I did not know what was going on and I immediately called the attorney generals office and told them I suspected I had unknowingly been involved in a scam and fraud. The lady I spoke with took my information and advised me to file a police report and get copies of it and file a complaint with consumer finance bureau because she suspects I was apart of a Relationship Scam. I then called the police and had them come out to my home so that I can provide a police report of what was going on. I honestly had no idea that this was going on and I was unknowingly involved in something I would never in my life do! Im a full time XXXX with 3 jobs and XXXX kids. I would never put my children in jeopardy like that! Ive called today to request a copy of the police report to add it to this but they said since it was given last night ( XX/XX/XXXX ) it will not be finished until XX/XX/XXXX and thats when I will be able to forward it to everyone.
Company Response:
State: OH
Zip: 45039
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was transferred from XXXX XXXX to Fifth Third Bank in XX/XX/XXXX. I received a bill from Fifth Third Bank dated XXXX XXXX stating a payment was due on XXXX XX/XX/XXXX. I mad the XXXX XXXX payment with XXXX on XXXX XXXX unaware that my loan was being transferred. Fifth Third bank got an earlier computer transfer of data from XXXX that did not reflect the XXXX XX/XX/XXXX payment posted on XXXX XXXX. When I received my 1st bill from Fifth Third Bank reflecting the payment due on XXXX XX/XX/XXXX I called them ( XXXX XXXX ) and was assured that this would be corrected. On XXXX XX/XX/XXXX I again called Fifth Third Bank and no correction had been posted. The payment date, escrow, insurance, interest were all still incorrect. They said I had a problem and would be charged a late fee and a ding on my credit and it was not their problem to solve. I again called XXXX XX/XX/XXXX on XXXX XX/XX/XXXX and they indicated they had the correct data and that they would resend. Problem still pending as this was generally what I heard on XXXX XXXX.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I accepted a credit card with a promotional 18 month zero percent interest with a XXXX XXXX credit line, I also had another card with a XXXX credit line both with Fifth Third Bank. On XX/XX/2020 both cards were reduced to XXXX XXXX and the second one to XXXX XXXX. Fifth third didnt keep the promotional agreement and leaving me with a high usage of on one card and a credit score that would suffer because of the reduced amount. I called fifth third and they stated they would restore the credit lines if I accepted a hard pull to my credit but couldnt receive the zero percent interest. Im very annoyed by fifth third because they send me loan offers every week and took the credit lines in the middle of a pandemic when I never missed a payment, why reduce my credit and then offer loans?
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A new bank purchased my mortgage but didn't inform me or send me a payment coupon. My payments to the previous mortgage company were deducted automatically from my checking account and I didn't notice that the payments had stopped. I first became aware that new bank had purchased my home loan when they sent delinquency notice dated XX/XX/2020 stating that I owed {$12000.00} and that the account was XXXX days delinquent and could result in foreclosure. The amount we owe on this mortgage is less than half of the value of our home. I immediately contacted the new bank to find out what happened. None of the employees would confirm that their company had purchased the loan and when I described my situation, they just stated " Well, didn't you notice? '' After a number of calls, they agreed to remove the late fees and interest and I made a payment of {$10.00}. XXXX over the phone on XX/XX/2020 to bring the account up to date. Recently I became aware that they have reported delinquent payments on our credit reports. I called to ask them to remove that information since there was no way I could have sent them a payment before they made contact with me. They stated that we would need to file a written request and wait for them to investigate. We have always had excellent credit scores and wanted to refinance this mortgage to get a better rate and a more responsible mortgage company. Now we have a poor credit rating which would interfere with refinancing. I would like them to expedite the correction of my credit rating. I'm also concerned that this could be happening to other customers.
Company Response:
State: TX
Zip: 78757
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XXXX I was shopping for a new vehicle and had reached to two local dealerships. On Saturday I contacted XXXX of XXXX and XXXX XXXX of XXXX. I contacted XXXX of XXXX that morning when I saw XXXX XXXX showing there was a hard credit inquiry from Fifth Third Bank. At this point I had not authorized any dealer to run my credit at any bank. I called Fifth Third that same day, XX/XX/XXXX and waited to speak to customer service. Once I finally got through the Fifth Third representative advised me that if there was an inquiry showing in error, because XXXX XXXX did not tell me anymore than that, I should call my bank for assistance. So Fifth Third although they were showing as the hard inquiry this rep told me to call my bank which is XXXX. So now I have a hard inquiry on my XXXX report from Fifth Third Bank that will be there for two years impacting my fico score. I would ike this hard inquiry removed as i did not authorize this credit inquiry.
Company Response:
State: OH
Zip: 44144
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/2020 - at my request, XXXX sent me written instructions pertaining to how and the amounts I can transfer, FROM my XXXX accounts to another bank. XX/XX/2020 - based on the rules XXXX provided ( I was allowed to transfer a max of {$10000.00} per transaction ) I attempted to to transfer {$5700.00}. This was within their online banking. It had worked in XXXX, XXXX. However, at this time I was not permitted to make this transaction. I spoke with XXXX, XXXX and XXXX who did not offer any explanation ; but I was given a ticket number of XXXX Since XX/XX/2020 I have called their customer service ; I have written to their officers ALL with no success. A XXXX did call me back and although apologetic, did not have a solution or any explanation for why this is happening. She also has no workarounds to offer. When I suggested they wire my funds immediately, she could not comply. XXXX is not permitting me to transfer MY MONEY. They can not provide an explanation. They do not return my emails. Each time I call for customer service, I sit in a queue for at least 18 mins, then they conveniently disconnect me. This has been an open case/ticket since XX/XX/2020
Company Response:
State: IN
Zip: 46845
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 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. XXXX XXXX
Company Response:
State: PA
Zip: 19087
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: i made a XXXX payment and they cashed check but never credit my account
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had an unauthorized charge on my card. I reported to the bank and company. I filed a complaint with CFPB. Bank credit my account then two months later without noticed reversed the charges over drafting me account. Bank is charging overdraft charges and deducting the unauthorized amount from my account. Spoke with company that charge my card XXXX, they said they refunded the money to my card in early XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A