Date Received: 2020-11-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: United States VA Regional office deposited compensation benefits XXXX to fifth third bank acct. Fifth third bank employee told me verify the amount and refused to acknowledge deposit XXXX XXXX benefits!
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My complaint is against Fifth Third Mortgage ( 5/3 ). I readily admit and accept responsibility that it was my error in overlooking the {$10.00} increase in my monthly mortgage payment effective XX/XX/XXXX. The generic robo calls and financial hardship information I received I thought was just 5/3 advertising options in case I was having financial hardship, given the uncertainty of the pandemic. I assumed all 5/3 customers were receiving the same since these correspondence were not specifically addressed to me or identifying me or my mortgage. Looking back, I fear 5/3 may have been starting the process of foreclosure, rather than contacting me directly about the ( consistent ) discrepancy in my monthly payments. I know 5/3 is capable of notifying me of insufficient and misappropriated payments because I received at least one mailed letter when they took over my mortgage from my previous mortgage company. In this incident, 5/3 had told me they offered biweekly mortgage payments and even sent literature informing me of how seamless the transition from my previous mortgage company to theirs would be and how nothing in the servicing would change. But it did when 5/3 would not process my biweekly payments and their 'system ' ( per their representative ) didn't know what to do with any payment amount that was not the identical amount to my monthly mortgage payment. ( Please see also my complaints filed XX/XX/XXXX with the Consumer Financial Protection Agency # XXXX and on the same date, with the Federal Trade Commission, reference # XXXX referencing this incident, among others. ) I can not express the continued stress, frustration, lack of trust and confidence I have in 5/3 and their ability to effectively manage my mortgage including applying payments appropriately and notifying me of any payment shortages. I have lost productivity at work, money, and personal leisure time due to repeatedly having to speak with multiple 5/3 individuals at various levels and formulate these multiple written complaints. I have multiple escalated cases with 5/3 and again, have another open case with their Office of the President. I have requested 5/3 transfer my mortgage to another mortgage company who can effectively manage my mortgage and honors biweekly payments ( without me having to call or specifically designate how I want these payments applied to my mortgage ). 5/3 said they would not transfer my mortgage elsewhere, and to leave them, I would have to refinance with another company which would obviously cost me more money and more of my time. I am not a mortgage expert. I rely on my mortgage company to be experts in mortgage management and expect and trust they will apply my payments appropriately and notify me of any problems and concerns. 5/3 has my home address, phone number ( that has active voicemail ), and email to contact me. They failed to inform me of my error in sending monthly mortgage payments {$10.00} less than I should be until 8 months later. At that point, they sent me a letter assessing me a late fee ( which they later removed at my repeated urging ) stating they didn't receive my XX/XX/XXXX mortgage payment when they actually did. But suddenly after 8 months of accepting the shortage, they would no longer accept it. I am set to receive my escrow reconciliation any day now. I can't wait to see the extent of how overdrawn my escrow is because they were paying my monthly shortage from my escrow. I sent 5/3 a copy of the attached letter via certified mail which they received and sent me a letter dated XX/XX/XXXX stating they would investigate my complaint within 25 days. For my original complaint, they took 55 days to investigate and address it but because they failed to address it, I now have complaints about their handling of my compliant ; they just keep multiplying. I am not taking any chances this time, hence forwarding my complaint to the CFPB. Again, it was my error and oversight in not sending the {$10.00} increase in my monthly mortgage payment. But there is no acceptable excuse as to why 5/3 did not immediately personally notify me, and rather, use generic computer generated calls/voicemail and printed hardship/potential foreclosure information instead. I appreciate your time and attention to this matter.
Company Response:
State: MI
Zip: 48375
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Sorry to bother your day. But it has been months and still waiting to have access to my account found it was closed on my birthday is all days XX/XX/20 I use XXXX for payroll and accounting the purpose of reconciliation of my accounts for the XXXX loan. I need to be able to submit. Each loan is under XXXX is being taking now with a short form application. I can't even reconcile this because of the fraud department getting information from a employee I believe at the branch manager has issues with me and the personal banker especially XXXX XXXX. I believe her name is she went without permission into my personal and business accounts without my permission or knowledge I'm not sure why she claimed something that is untrue she dont know by business or me. Because I didn't do the loans with them. Other bankers reached out to me. And now my account are charged off I got letter today regarding this. On my birthday XX/XX/20 irony. I'm accruing fees when I was locked out. I need access to my personal account ASAP which should be separate. Conflict of int i feel violated. Im hearing about XXXX people have gotten and your picking on a XXXX XXXX owner that each account is under {$27.00} I'm not sure why that happened when personal and business are 2 separate entity. I'm in a very bad strain trying to get my forgiveness application submitted and I can't pull from fifth third to XXXX this is not OK I was assured from your assistant Custome XXXX I would get a call back. The fraud department never called me back. I'm just trying to get my paperwork in order. But I honestly need access to my personal account that in my XXXX name XXXX. I need help Because this is not OK I'm not sure XXXX issue with me other assuming Something that is not factual and get manager. But I'm really disappointed I never got a callBack I call 4 times to fraud department no response. Called XXXX XXXX No response who said he would keep in touch. Have not responded to my call and voicemail for him and the fraud department. I'm disappointed. But I need to withdraw my money from my personal account Imgoing to make a formal complaint with the I should feel my money secure and I should be Comfortable putting in a bank I no longer trust my money in banks any longer. I need someone to give me a call because non of those XXXX loans with 4 different business XXXX non of them are over XXXX so I qualify for the shorter application that there working on now. It not OK for this.i need answers before I have to file I complaint. But I do Need access to my personal account. Things aren't good and I need my money I had to let employees its hurting my business I can't do payroll. Because I get invoice deposited in the accounts. I'm blocked from handling business. While what ever your doing that seems unethical. And bias to my minority business. I need to personal funds asap. While you figure out why this happenings. I know one thing for sure XXXX act like she didn't know me when I can in the bank to add my husband to my personal account.she 's ask why I wanted a XXXX when I asked about it I thought it was weird because I work at a bank with have own my businesses but sure why she wouldn't she wouldn't want a new line of business like a XXXX. But something isn't right and smells fishy. I just want access to my money in my personal account and see why my accounts are charged off.I 'm going to the news soon I've done nothing wrong.Account Closed when was I going to find out I could have funded my loan anywhere elseAnd deposited anywhere else where I have a business account but I trusted fifth third and I wouldn't have this problem right now. I cant handle my business. You closed the accounts as of XX/XX/20 and i can't take care of business please help me. On my birthday XX/XX/20 {$290.00} charged off closed account but I had no access. I need access for my loans on XXXX XXXX XXXX XXXX and the other 3 I need personal account balance changed to available so I can get my money out that bank. I'm very disappointed. It under XXXX XXXX my XXXX XXXX name. It not ok to hold my money. XXXX XXXX XXXX XXXX XXXX Sorry to bother your day. But it has been months and still waiting to have access to my account found it was closed on my birthday is all days XX/XX/20 I use XXXX for payroll and accounting the purpose of reconciliation of my accounts for the XXXX loan. I need to be able to submit. Each loan is under XXXX is being taking now with a short form application. I can't even reconcile this because of the fraud department getting information from a employee I believe at the branch manager has issues with me and the personal banker especially XXXX XXXX. I believe her name is she went without permission into my personal and business accounts without my permission or knowledge I'm not sure why she claimed something that is untrue she dont know by business or me. Because I didn't do the loans with them. Other bankers reached out to me. And now my account are charged off I got letter today regarding this. On my birthday XX/XX/20 irony. I'm accruing fees when I was locked out. I need access to my personal account ASAP which should be separate. Conflict of int i feel violated. Im hearing about XXXX people have gotten and your picking on a XXXX XXXX owner that each account is under {$27.00} I'm not sure why that happened when personal and business are 2 separate entity. I'm in a very bad strain trying to get my forgiveness application submitted and I can't pull from fifth third to XXXX this is not OK I was assured from your assistant Custome XX/XX/XXXX I would get a call back. The fraud department never called me back. I'm just trying to get my paperwork in order. But I honestly need access to my personal account that in my Maiden name XXXX. I need help Because this is not OK I'm not sure XXXX issue with me other assuming Something that is not factual and get manager. But I'm really disappointed I never got a callBack I call 4 times to fraud department no response. Called XXXX XXXX No response who said he would keep in touch. Have not responded to my call and voicemail for him and the fraud department. I'm disappointed. But I need to withdraw my money from my personal account Imgoing to make a formal complaint with the I should feel my money secure and I should be Comfortable putting in a bank I no longer trust my money in banks any longer. I need someone to give me a call because non of those 4 loans with 4 different business EIN non of them are over XXXX so I qualify for the shorter application that there working on now. It not OK for this.i need answers before I have to file I complaint. But I do Need access to my personal account. Things aren't good and I need my money I had to let employees its hurting my business I can't do payroll. Because I get invoice deposited in the accounts. I'm blocked from handling business. While what ever your doing that seems unethical. And bias to my minority business. I need to personal funds asap. While you figure out why this happenings. I know one thing for sure XXXX act like she didn't know me when I can in the bank to add my husband to my personal account.she 's ask why I wanted a XXXX when I asked about it I thought it was weird because I work at a bank with have own my businesses but sure why she wouldn't she wouldn't want a new line of business like a XXXX. But something isn't right and smells fishy. I just want access to my money in my personal account and see why my accounts are charged off.I 'm going to the news soon I've done nothing wrong.Account Closed when was I going to find out I could have funded my loan anywhere elseAnd deposited anywhere else where I have a business account but I trusted fifth third and I wouldn't have this problem right now. I cant handle my business. You closed the accounts as of XX/XX/20 and i can't take care of business please help me. On my birthday XX/XX/20 {$290.00} charged off closed account but I had no access. I need access for my loans on XXXX XXXX XXXX XXXX and the other 3 I need personal account balance changed to available so I can get my money out that bank. I'm very disappointed. It under XXXX XXXX my 1st married name. It not ok to hold my money. I want my money from personal account and they just closed my accounts that can help me get my ppp loans forgiveness they won't help I reached out to ceo he had someone call me and he don't respond I beg my funds in my funds in my personal account it conflict with business and it under a diffrent last name my Maiden name I got back after my divorce. I need money from person asap. And I want to close the account, also I need business I reconcile fur my 4 loans. Please help. XXXX XXXX XXXX -XXXX XXXX
Company Response:
State: MI
Zip: 48309
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Im filing a complaint against fifth third bank. Ive Had a personal account with them and they decided to close my account out of the blue as XX/XX/XXXX which is false because I had a Positive balance of XXXX in it on that date. XX/XX/XXXX I got the alert that my balance was negative. My account was in good standard. They decided to force an outrageous amount of XXXX in my Personal checking account causing It to close. Which thats false information reflecting and will effect my credit/ and I wont be being able to bank anywhere. I received a XXXX SBA loan XX/XX/XXXX for my XXXX XXXX that I just decided to get EIN # for on XX/XX/XXXX to further my business that Ive had since XX/XX/XXXX. I plan on opening my business account with Fifth third But decided to change my mind after one of their employees decided XXXX discriminate me red flagging my account because of the loan I had in my personal account that the bank accepted it. I came to get a XXXX XXXX XXXX that Corporate told me to do, due to me losing my debt card which she questioned me about the funds inside my account. I explained to her that I do have an business and would be opening account once my paper work came back from the state. She refused and lied and said they dont give XXXX XXXX out and offered me a atm withdrawal card that I never used because I didnt need it. I called the Corporate number back to let them know the situation. The branch manager decided not to speak to them about the issue and let them know my account was being investigated and they have a right to refuse services to protect the bank. So corporate office let me know that none of that is true and for me to go to the location where I open my account and they would be able to give me the card with out a problem. This happen XX/XX/XXXX .They gave me the XXXX XXXX XXXX with out a issue On XX/XX/XXXX. I also brought a copy of my identification number but they needed the official documents And explain to me how the business account works. Also I didnt continue to open the business account due to the fact you had to have a high balance of XXXX in the account. Due to my business being slow /COVID being a big impact and having XXXX XXXX XXXX and currently being XXXX XXXX XXXX it slowed me down from being able to run the business successfully. So I decided it wouldnt be smart to open the account and risk getting slapped fees at the moment. The President from the Branch branch Personally call me after hours on XXXX XXXXto apologize about the way his employee handled me rudely, he went in my account without my permission and was able to let me know that I was able to get my XXXX XXXX XXXX from another bank and started talking About the loan I told him the loan had nothing to do with anything I lost my bank card and needed a XXXX XXXX until I was able to receive my new bank card. He apologize once again and email me his contact information and let me know if I need anything from that location that I could personally contact him and work strictly through him. I told him I dont know about that Ive never been mistreated like that ever and I feel uncomfortable returning. When closed I requested for management to call me back to explain to me what was going on. They let me know they decided to close my account because the loan was for a business loan which I have and it cant be in my personal account after they accepted the loan back in XXXX never ask me for my business certificate or anything and decided to close my account without any letters, contacting me Nor asking me any question or proof about my business Loan, nor does fifth third bank state that I had to have a business account with Them in order to receive the loan. Theres a lot of small businesses that work out of their personal accounts until revenue is consistent then they open a business accounts. So they put that ridiculous - balance on my account to force it to close. Unacceptable, unfair and unprofessional that is. Ive been having problems every since the employee mistreated me and red flagged my account for no reason. I have the proper paperwork to provide upon requested.
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I moved from XXXX to XXXX, and need to get a XXXX title. I called my lender, Fifth Third Bank, for a faxed copy of my title, and they stated that all title matters were handled through XXXX. On XX/XX/XXXX, I tried to initiate a state change from the XXXX website. It said the fee would be {$36.00} to mail the title to my new state 's vehicle license office. I decided to call them instead at XXXX to see if they could fax the title, as it should be cheaper and faster to fax the title. When I talked to the agent, I asked them if they could simply fax the title over, they said no, they can only mail titles because " it is a legal document ''. They said it's a {$43.00} fee over the phone or {$36.00} online. I said that frankly that fee seemed a bit outrageous and asked if they could waive the fee, they said they can't, but they could refer me back to Fifth Third if I wanted to take it up with them. I talked with my local vehicle licensing office, and they had never heard of such a title fee. The person on the phone sounded surprised, and frankly, this seems like a ripoff to me. I didn't realize the fees would be so high, and if this was disclosed, I would have chosen another lender. So I decided to contact Fifth Third again on XX/XX/XXXX. The agent XXXX was very friendly, but informed me that yes, all title matters have to go through XXXX. I told her that the fee seemed really high, and she said that was the only option. Which brings me here. Fees of this nature should have to be disclosed upfront, like they do with credit cards. I find this fee outrageous and excessive. The fee itself is not the problem, I am upper middle class, but I do not feel it is morally right to pay this fee without bringing attention to this new practice. It turns out that a lot of auto loan vendors have taken to using XXXX, I'm sure that it greatly reduces their costs, and perhaps they even receive a kickback, leaving the customer to foot the surprise bill. Not to mention the fact that mailing the title is slower and less secure than fax. What if the title gets lost or stolen? I read multiple horror stories online of this happening with XXXX.
Company Response:
State: WA
Zip: 98683
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX of XXXX, Fifth third falsely accused me of committing fraud with no proof. No funds was overdrawn and I do not owe the bank any money. Plaintiff XXXX XXXX filed her XXXX XXXX class action lawsuit in XX/XX/XXXX, claiming the company violated the FCRA by failing to provide accurate disclosures to consumers when they have fraud alerts on their account. I was apart of this class ( A ) lawsuit and I was settled out. My attorney have asked me to reach out to Fifth third once again to have them remove this inaccurate information from early warning. If the company refuses, we'll take legal action against Fifth third bank.
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Account opened XXXX Previous deposit went through fine. Deposit of XXXX on XXXX all funds were held due to " back office hold '' for new account. Again- previous deposit went through with no holds. Contacted bank to release hold and they said no. No access to money until XX/XX/XXXX ( 10+days. ) Mobile deposit info says that if a hold will be placed- you will be given option to cancel deposit. This was not offered. This is absurd. Bank is holding my money that I need for no apparent reason since previous deposit went through without " new account '' hold.
Company Response:
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check using credit funds from a different bank ( i.e., XXXX ). These cash advance checks were sent to me by XXXX. I had approximately {$15000.00} of credit remaining on my XXXX Account, so I wrote a check for {$5500.00}, not knowing that my " cash advance '' allowed amount was only around {$1700.00} ( there was NO information enclosed with the checks that they sent me stating this ). Consequently, the check did not clear. I phoned XXXX and spoke with a customer service agent who informed me ( erroneously ) that my cash advance amount was only {$5200.00}. So I wrote another check for {$4900.00} and deposited it again to my Fifth Third Bank checking account. Once again, the check was returned by XXXX. Today upon phoning XXXX I spoke with a supervisor ( name : XXXX ) and she disabused me of the previous erroneous information that I was provided. She informed me of the {$1700.00} limit, apologized, and refunded all charges associated with the return of the two checks. Almost immediately after the first check was not honored, Fifth Third LOCKED my account!!! Now hear me : this is an account that my Social Security checks are directly deposited to!!! I have phoned Fifth Third several times. Spoke with a customer service person named XXXX, even met with her once in person. She was very personable and has tried hard but has been unable to resolve this. I believe that the manager of the branch ( located at XXXX XXXX XXXX XXXX, XXXX, IN, XXXX ( must be quite intractible and wholly unappreciative and irrational. I have been banking at this branch for YEARS and have paid them hundreds of dollars annually in fees, etc. To treat me like this is far below what I have experienced at any other bank OR AT THIS BANK previous to her tenure as bank manager. Pretty hard to fathom how they can lock an account after two mishaps as described above. I am preparing a complaint with the Federal Reserve after I submit this one as well as any other appropriate entity that interfaces with banks.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I originated the auto loan in XXXX and have never been late on any payments. In good faith, I prepaid my loan in XXXX of XXXX. My lender if Fifth Third and they do not provide statements, but a voucher book at time of origination. Upon loan payoff, because I don't receive statements and there is no option to receive statements, I waited to receive my title. On XX/XX/XXXX, I followed up on my loan payoff to realize that there was a pre-payment penalty due. Upon that understanding, I paid the penalty on the phone to clear the debt. Between XXXX and XXXX, I never received any type of communication either by phone or email or postal service that I was due this penalty or frankly the fact that it was owed or late. That following week, I pulled my credit report and it showed a deficiency of 116 points. Fifth Third reported that I was 120 days past due. This clearly inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) which states that if an institution reports a status that that status must be accurate. I called Fifth Third to discuss this issue and they stated that their credit reporting was accurate. I have never been late in any payment to Fifth Third and in all respects was trying to do the right thing to pay off the loan early. The fact that Fifth Third never reached out to me verbally in 120 days to tell me that I had an overdue fee seems like a poor business practice that adversely impacted a consumer. My hope in this dispute is to re-establish my credit score and ensure that Fifth Third doesn't treat any other customer in this same type of treatment.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I made 4 transfers to my account and went to a hotel for a two day stay. While sleeping my bank noticed the hotel used my card information to process 4 extra transactions totaling XXXX without my knowledge and failed to notify me via text message. Instead they waited til I tried to use my card again to notify me what was done causing me pain and suffering In trying to get the funds back. They did not allow me to file a immediate dispute and told me to wait until it posted to my account.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A