Date Received: 2020-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a car loan with 5/3 bank. On XX/XX/XXXX the car in the loan was totaled by another driver. XXXX XXXX was responsible and paid off the vehicle in early XXXX. On XX/XX/XXXX 5/3 contacted me regarding a remaining balance. I paid for the remaining balance to close the account on XX/XX/XXXX. On XX/XX/XXXX I received a late notice for my car payment for the account that was closed. I called to address the issue. 5/3 advised they would call back. They never did. 5/3 filed with the credit reporting agencies that I am deliquent on this account. The car is paid off and they now say I owe another {$700.00}. They also reduced my credit score by 100 pts.
Company Response:
State: OH
Zip: 44319
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Fifth Third Bank claims they did not receive my XXXX payment on time and charged me a late payment fee with interest. I complained to them and they just added all those charged to my XXXX statement and added the XXXX dues to my XXXX statement which was received by me yesterday with a due payable date of XXXX XXXX. I called this morning and they shut me off when I asked to speak to a manager. I called Fifth Third last week, talked to a manager who assured me he would fix the balance of my account and send me a correct amount to pay. He did not.
Company Response:
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a checking account with Fifth Third Bank on XX/XX/XXXX and deposited {$250.00}. The bank was running a promotional offer which would have give me {$250.00} if the money was held for a certain period of time ( 60 days XXXX. Last week XXXX on XX/XX/XXXX or XX/XX/XXXX ) I called the bank to check if I had received the {$250.00} that was promised as part of the promotional offer. To my utter shock and disbelief, the bank said that my account had been closed because it had a zero balance for too long. When I questioned the bank regarding my deposit, the bank said that there were some transactions that used the debit card. Here are some of my key points XXXX. I had never received or activated my debit card. This is a case of my money fraudulently withdrawn from my account. 2. The bank did not have the courtesy to inform me that they were closing my account. If you are wondering as to why I did not approach to resolve the problem with the bank then please see this below. My adult son XXXX XXXX XXXX - same address as me ) used to have an account with Fifth Third. All of his monies were ALSO fraudulently withdrawn from his Fifth Third account without his knowledge. He too never received or activated his debit card. XXXX ( my son XXXX received a treatment from Fifth Third that was less than respectful and he had to waste several days/hours for his monies. The bank kept saying that he had withdrawn - which was highly insulting & accusatory. He had to have many conversations with the bank and also had to file a police report. The bank did not want to assume any responsibility. He too filed a CFPB report XXXX # XXXX ) - which was eventually resolved. The truth is that Fifth Third has demonstrated lack of internal controls when it comes to managing new accounts. Two accounts in the household are now victim of their negligence. I DO NOT want to go through the same awful experience that my son did and I am requesting CFPB to help me here.
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is the Fifth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY FIFTH THIRD BANK NA. The dates were XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XX/XX/XXXX. I had to move do to job loss and never had a bill update.
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I deposited my payroll check in XXXX atm on XX/XX/XXXX for {$570.00} and it cleared and was deposited on XXXX XXXXXXXX.i spent the {$570.00}. Then XXXX I deposited my payroll check for XXXX and it cleared and was deposited on XXXX. Then XXXX my payroll was direct deposited into my account and was cleared.i paid bills and was lefted with {$330.00} in my account on XXXX, on XXXX my account was overdrawn by {$810.00} when I called to see what was going on, they told me they placed a 10 day hold on both of the ATM deposits.after calling 4 different departments and locations one of them let it slip that no one picked the checks up from the ATM till XXXX so my first deposit was lefted in the ATM for 14 days and now I have to wait another 10 days to access the money that is already spent because it was cleared 24 days before I will be able to access it. On top of that I have to put a stop to my direct deposit coming on XXXX for {$520.00} because they will put that towards the overdrawn amount of {$810.00} still leaving me negative {$290.00}. I wont be able to access my money till XXXX
Company Response:
State: IN
Zip: 478XX
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: A forebearance plan was entered into with Fifth-Third Bank in XX/XX/XXXX due to COVID-19 related hardships. In XX/XX/XXXX, we reapplied after the 3-month initial forebearance. Fifth-Third Bank is claiming no forebearance was filed, and reported the loan as delinquent. They reported it to the credit bureaus and it has affected my credit score adversely. We have asked multiple times to pay the forbearance amount and for the incorrect report to be addressed. Fifth-Third has refused.
Company Response:
State: VA
Zip: 22079
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/2020, my wife and I met with a loan specialist at Fifth Third bank in XXXX XXXX Ohio. The gentleman promised us a new mortgage rate of 3.89 % if we refinanced our loan with him. We submitted all information requested including paying our HOA a fee for documents requested. We were told that we had been approved, but the process was delayed by underwriting. For five months we waited. The branch manager apologized and told us that the rates had actually dropped so we'd be getting a better rate, just to be patient. At the end of XX/XX/2020, the loan specialist called to notify me that we had moved to closing. But when I asked about the lower rate we had been promised. He told me that the rate had actually increased to 4.29 %. When I questioned this with the branch manager he made multiple excuses and was rude. I believe this to be bait and switch tactics and will never consider doing business with Fifth Third in the future.
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Fifth third bank committed fraud, I have filed a FTC identity theft report, this bank did the same as XXXX XXXX by opening accounts in my name with out my permission I called fifth third bank and I got talk to very badly and treated with unprofessionally, I was transferred constantly they is didnt want of hear about my issue, Ive already had to sue XXXX XXXX several times and succeeded with winning both cases, my identity has been used in the past, Ive had problems with identity theft, this bank is just that bad this account needs to be taking off XXXX or Im filing a complaint with the attorney general here in ga
Company Response:
State: GA
Zip: 30141
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I'm not having trouble making my loan payment but was forced to pick a description. Actual problem is that 5/3 Bank is harassing me at work to make a loan payment that is not even late. I was called onXX/XX/XXXX at work ( on the business line, not my cell ) to be told that I owe over a XXXX dollars on my auto loan. After pressing her for better details I found out that I actual owe XXXX by the XXXX of XXXX. I wasn't even late, the XXXX was including next months payment. When I said I would pay on the XXXX she insisted that I tell her how much I was going to pay. I try to pay extra but there at work I had no idea how much extra I would pay. She said because I wouldn't comment to an amount that they would continue to call my work every other day until the payment was made. I am not late paying my bills, I usually pay extra before the due date. This was nothing but harassment.
Company Response:
State: KY
Zip: 400XX
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A