Date Received: 2020-09-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I received a letter from XXXX XXXX XXXX on XX/XX/2020 attempting to collect payment on a debt it identified as Fifth Third Credit. I sent a letter ( attached ) asking XXXX to provide certain documents and to validate the debt. In the letter, I ask that the materials be provided before I engage in further discussions about the debt According to the return receipt ( attached XXXX, XXXX received the letter on XX/XX/2020. I have not received any of the requested materials since sending the letter. However, on XX/XX/2020, I received a call from XXXX and the gentleman advised that he was a debt collector and this was an attempt to collect a debt. I advised him that I sent a validation letter and had not yet received the requested materials. He simply kept replying " What letter? What kind of letter? '' At which point I ended the call. The Fair Debt Collection Practices Act provides that if I dispute the debt within 30 days of receiving the initial letter, and I did, that the collector stop collection efforts unless and until they provide documents validating the debt. XXXX violated the FDCP in this instance and should be dealt with accordingly.
Company Response:
State: IL
Zip: 60631
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Over the weekend, I received an email from XXXX that my credit limit on a credit card was decreased significantly. Upon my return from my trip, I signed on and noticed that Fifth Third Bank had reduced my credit limit from {$8000.00} to {$4500.00}. I was given no notice as to why this happened nor do I understand why this happened. I reached out to customer service but they were unhelpful. They couldn't even tell me why this happened only that I should have received a letter, which I never did. I pay my cards on time. I have no delinquency on my credit report. I have not lost my job. I have a six figure income. I've never used more than 50 % of my credit limit and now with this absurd change, my utilization has gone to 98 % thus affecting my credit report and single handily sabotaging my mortgage approval process, of which I was in the middle of. I have been a good customer and never had any issues so this is not only absurd but uncalled for. No other card issuer has done this.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My wife and I applied for a refinance through Fifth Third Bank and during the time we were told an estimated close time would be between 30 and 45 days. We went through 3 different loan officers in a period of 71 days. My wife asked to speak to a manager, who talked to her like she was bothering him and annoyed by her call. We decided to take our loan to another lender, and in less than 14 days we were able to close with another lender with the rate we wanted. My wife is XXXX and due in mid XXXX, so Fifth Third ( 5/3 ) was aware and told of the urgency, but still after 71 days had done nothing. The process had not moved along and they were lost when she called. No appraisal had been done because our home was only a year old. We were told we would be refunded our {$390.00} on more than one occasion, only to have a call by a " manager '' who said it was not refundable. We posted on their social media about how we felt it was not warranted, considering they had done nothing for over 2 months. I was called by someone in their social media complaint department that " investigated '' our claim, only to say the money would not be refunded. The reason was because it was an application fee. Under TILA, it was my understanding that all monies, minus the appraisal, and possibly the credit report is refundable under the " Right to Rescind '' on a refinance. The bank did not do what they told us and underperformed their duties and obligation to us and we went to another institution that was able to get it done before losing our rate. I fail to understand the incentive for an institution to do their job if they don't care if you go somewhere else only so they can keep your money. I told them that it will not go silently and I would report it, the bank pretty much let me know they were sorry and still stood their ground. It just seem unfair that a financial institution can take as long as they want, despite their being urgency to lock in a rate and not care, keeping an applicants money.
Company Response:
State: FL
Zip: 32832
Submitted Via: Web
Date Sent: 2020-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I called XXXX XXXX XXXX to lock my card because I thought I had lost it but I found it. So I called them back to tell them that i found it and can they reactivate my card. They told me no and that I should have a replacement sent to the address on file. I said no because I would never get it because the apartments where I reside at, is bad I have been treated very very poorly. The mailboxes are open. They been vandalizing my cars, they constantly send harassing messages thru emails. But thats not the issue but you get why I dont want my card sent there. So I gave them my daughters address to send the card at her address but they told me no, they couldnt send to her address without proof that its me. But somehow they have let someone else change my account and do Lord knows what to it. If the prison man XXXX XXXX XXXX and XXXX XXXX did that cause theyre the ones whos been hacking on my phone and email account, thenIm going to sue if these people steal my hard earn money.
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Believe that money is being stolen from bank account and has been for many years. Repeatedly contacting bank about this. Reps are always acting like the info they have is correct. ATM shows one amount and with no withdrawls and numerous deposits, amounts are not adding up. Bank continues to say what info is available to them on the screen, and wont sincerely address the issue. Even receipts that I have from the ATM machine dont match the statements the bank sends to me. Will be contacting attorneys to research this as well. This has been going on for well over 10 years and I feel that the bank knows I am correct, but will not admit it. -
Company Response:
State: IN
Zip: 46201
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: 53 bank closed my account while {$100.00} Fraud and {$10.00}. OVERDRAFT fees was pending.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 5th/3rd bank took over the mortgage to my house from XXXX XXXX 2 years ago. At this time I set up an automated bill payment schedule from my personal account at XXXX XXXX to deliver my mortgage payments monthly to 5th/3rd mortgage payment processing center as instructed by 5th/3rd bank. This has been working as scheduled for years, until XX/XX/XXXX. For this month only, 5th/3rd bank received my payment from XXXX, which they admit ( evidence provided from both XXXX and 5th/3rd ), but instead of processing my mortgage payment, they decided to return it to XXXX and charge me a late fees. 5th/3rd bank did process all subsequent payments from the automated bill payment, but kept charging fees on the returned payment in XXXX. Once the issue was noticed on my side, I immediately went over to 5th/3rd bank to address any amount on the loan in arrears. I asked 5th/3rd to reverse the fees associated with their error, but they conveniently stated that It was my issue and to pay the fees. I supplied evidence from XXXX that they did receive the payment, and then they finally agreed to open an investigation. The automated bill schedule has not been changed since it was created in XXXX and 5th/ 3rd bank has been processing my mortgage payments successfully every month before and after XX/XX/XXXX. Even faced with the evidence that the payment was made on XX/XX/XXXX and erroneously refunded by 5th /3rd on XX/XX/XXXX, they claim that all faults are with me and I am responsible for the fees and the negative feedback on my Credit Rating. I have decided to escalate this issue to the Consumer Financial Protection Bureau. XXXXth /3rd ability to return a payment just to charge a fee is outrageous. Please see the correspondence and evidence attached.
Company Response:
State: IL
Zip: 60646
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX my mortgage with Fifth Third Bank was paid off. They have {$1500.00} in my escrow monies account which should have been paid/refunded to me by now. To date, they have not sent me a check.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2020 I faxed XXXX XXXX from Fifth Third Bank a copy of the Promotional Inquiries and Account Review Inquiries of my XXXX XXXX Credit Report. My XXXX XXXX Credit Report does not show an inquiry from Fifth Third Bank on XX/XX/2020. I received a letter from XXXX XXXX stating that " Our research found that when we review a customer 's credit report for a possible credit limit decrease or increase, the credit inquiry is a soft inquiry, which does not impact a customer 's credit score, and does not appear on a customer 's credit report. I feel this information is not true. My XXXX XXXX Credit Report shows Promotional and Account Review Inquiries which all are soft inquiries. I would like XXXX XXXX to provide me a copy of the soft inquiry credit report she received from XXXX XXXX on XX/XX/2020. If she is unable to show me a copy of this soft credit report from XXXX XXXX she received on XX/XX/2020, I would like her to explain why my credit card credit limit was decreased.
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had a computer company fix my computer and later realized that it was a hack. I reported ( 4 ) {$1000.00} fraud XXXX payments from my savings account. After 3 tries from my bank ( Fifth Third ), they will not refund my money. They say that it was an authorized transaction. They claim that I gave them authorization to send the XXXX Payments. I never knew what XXXX was and now realize that the hackers on my computer probably authorized the payments, I sincerely hope that you can help me on this situation. {$4000.00} is a lot of money when you are a retiree.
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A