Date Received: 2020-07-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I called my loan company on XX/XX/XXXX about the debit from my account due the following day. They informed me they had already contacted my bank and there was nothing they could do to stop it. They then advised me to contact my bank and order a stop payment order. I called my bank, Fifth Third, and ordered my stop order and paid the {$33.00} fee for it. I was guaranteed by two separate banking associates that this would work. I was also advised that the amount will still be debited from my account but that the day after the debit occurred that I would be refunded the debited amount. This has not happened. My account is now negative due to them not crediting my account like they told me would happen. Now they are saying that stop payments arent guaranteed and there isnt anything they can do. If they arent guaranteed then why did I have to pay them for a service that might not work? I wont get paid until another six days so my account will accrue late fees each day due to this error, even though I went through all of the necessary steps to stop a single payment with the authorization from the creditor.
Company Response:
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a mortgage loan with Fifth Third in XXXX of XXXX. The Mortgage Originator I worked with was XXXX XXXX. My complaint is on how Mr. XXXX unethically and unprofessionally handled my application. I provided all the information required to underwrite my loan only to be turned down at the end. The dream house that I wanted to purchase is now at risk of being sold.. I provided him all that was needed for a pre-qualification so that I can pursue the purchase of my home. He requested that I increase my down payment to ensure approval. After listening to everything, he said I received a pre-qualification letter dated XX/XX/2020. This letter made me believe that I was able to move forward with contacting my real estate agent to finalize my purchase of the home. I understand banks have varying degrees of requirements. However, XXXX unprofessionally handled my file, which led to the denial of my mortgage application. During the loan process, XXXX, for some odd reason, reviewed my sister 's account and commented to I should use her funds to purchase the house instead of trying to obtain a loan through Fifth Third. He was not given permission to review my sisters account. Also, his comment made me think that he was aware of my denial before getting the final decision by underwriting. Why was I given the pre-qualification letter and why during the process did you make me feel that approval of my loan was assured. His delver of my denial was very unprofessional and predatory. I have additional concerns of the handling of my private information that I would like to discuss with someone. I can be contacted at XXXX
Company Response:
State: OH
Zip: 44070
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: I got the XXXX paycard from my employer on XX/XX/20 and activated my card. It was my understanding the card was completely set up and ready to use. I called to see about the early direct deposit the card advertises on XX/XX/20. I was told I had to send in my ID and SSN card. I did. The following pay period, still no early direct deposit. I called again. Was told they didn't receive my documents. So I resent them. This was XX/XX/20. The following pay period, still no early direct deposit. I call again. This was XX/XX/20. They said they didn't receive them again. So I was frustrated. Wondering what was going on. I sent my documents a third time. I waited. I was too angry when I still didn't get my early direct deposit XX/XX/20 to try to speak with them calmly. I called XX/XX/20. I was told the reason they had to have me send the documents was compliance. That my account was not in compliance without those documents. What? I have been using this account since my first check ( XX/XX/20 ) was deposited on it. How have I been using an account that they KNOW is not in compliance for almost two months?!? The agent tried to tell me compliance doesn't apply to the limited account ( the only difference I was told at that time for the upgraded account was early direct deposit ). I asked how it was different. It just is was the answer I was given. I explained I knew that wasn't how compliance worked in the financial world. They had to have my name, address, date of birth, and social to even set up and activate the account. He then told me they operate outside compliance. Informed me that their compliance department notated my account that they had reached out to me XX/XX/20 in regards to only receiving my ID and not my social. Both were sent in the same document. No one from XXXX called or emailed me. I have no emails, save the one I received on XX/XX/20 from compliance. I have no missed calls or voicemails from compliance at all. So they falsely notated my account. Finally, after several attempts to be transferred to one, was transferred to a supervisor. She assured me that if I sent my social in she would have my account escalated and compliance dept. would take care of it Monday ( XX/XX/20 ). I sent my social for the fourth time. Now, I have no clue why so many hard copies of my ID and social were needed. That supervisor assured me my early direct deposit would be effective this week for my check. I got the text today at XXXX XXXX EST that my check would be deposited tomorrow on the normal day. I called to find out what was going on. The first agent I spoke with tried to tell me I had send my ID in again because it was expired. I requested a supervisor. Told her I was not doing this again. I had already sent everything. She kept insisting I send my ID again. Finally I told her I was looking at my ID and knew it wasn't expired. Then she tried to tell me I had not opted in to early direct deposit. I told her I knew that I had. She tried to insist I hadn't. I repeatedly asked for a supervisor and was ignored. Then she tried to tell me my employer sent everyone else 's checks, but held mine back is why I didn't get my early direct deposit. Finally told her I knew that was a lie and that I also knew when a supervisor is requested it is not supposed to be denied. I wanted a supervisor. She said she would transfer me and disconnected the call. Called back. Had the agent transfer me directly to a supervisor. That supervisor tried to tell me that my employer didn't send my pay in time. Kept insisting that was the reason. When I asked why that company lied so much and went over some of the lies and brought up the false documentation on my account, she hung up on me. Called back. The next representative was actually the only one to tell the truth. So this company lies consistently and apparently operates outside if required federal compliance. I think that someone should be aware of this.
Company Response:
State: TN
Zip: 37604
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have 5/3 bank credit card for years. All of a sudden they closed my account and also adversely impacted my credit score. I had always paid the card in time. My score went down by 1 due to this. 5/2 bank never gave me any warning or intimation before closing my account.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
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: I would like to file a complaint and add Documentation of promises, guarantees, commitments, contracts and more I feel pertinent to my resolve against Fifth Third Bank. The Bank showed to my credit card account XXXX on XX/XX/XXXX the amount {$12000.00}. The charge was paid to XXXX XXXX XXXX XXXX for XXXX XXXX Dollars and XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Dollars. I would like evidence of their efforts in coming to a resolve to my concern. I would like evidence of how the bank applied Consumer Protection in my behalf. I have other banks which have been successful to satisfy my resolve by back charging the merchant to One Hundred Percent Satisfaction. A question I would like answered is Why Can't Fifth Third Bank Resolve My Concern? The bank can back charge the merchant five hundred forty days which Sundays and Holidays could be additional time if left out. Question : Did the bank try to respond to my concern in back charging the merchant within the allotted time? I made my complaint on XX/XX/XXXX which was in the time allowable to back charge the merchant. The bank may say they only go by bank policy which may be sixty or ninety days. Banks many times don't like to admit there is a merchant back charge opportunity to five hundred forty days but when confronted to fact they often times admit it does exist and they could back charge the merchant. The Bank also advertises They as Fifth Third Bank is sixty six point six times better than any other bank. How is that true? Question is, did they back charge the merchant? How much effort was applied to back charge the merchant? What evidence can the Bank provide me as proof?
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have gotten an absorb amount of credit hard inquiries within the past month I didn't authorize.
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hi I just want to file a complaint on XXXX XXXX that works for 53rd bank the problem was he calls me after speaking with my godmother about account transfer she was trying to transfer money from one account to the other because she was cosigning for house with me so he calls me and just rant he curses at me say all kinds of things saying I was a fraud Im scamming her this is my godmother Im talking about some I take care of that was moving in the house with me so he went on an asking me my job information and the phone number and I gave it to him because I had nothing to hide and I just dont appreciate Someone calling me and cursing at me that is not professional like I said his name is XXXX XXXX he works with 53rd bank I think its XXXX XXXX Illinois off of XXXX XXXX
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Fifth Third Bank states that on XX/XX/2020 my credit score from XXXX XXXX was XXXX. My information shows my credit score from XXXX XXXX was XXXX. I would like a copy of the report Fifth Third Bank received from XXXX XXXX that showed my score being XXXX.
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My fifth third credit card account was not reporting correct information to the credit bureau I made multiple attempts to call into the credit card department I spoke to multiple supervisors no results then I get a message from the vice president on XX/XX/2020 name XXXX XXXX she left a voice message on my phone indicating to call her I made multiple attempts to reach out to her right after receiving the message with them two days I noticed my credit score has dropped I looked at the problem and it shows that the account is closed I tried to reach out to XXXX XXXX multiple times and receive no call back and no answers I have also called the credit card department explaining to customer service the situation no solution and no help so my credit score was not reporting correctly then she turns around and close the account can't reach her not getting any car back and now my credit score has been affected because of this ever since I open the account with Fifth Third business not been reporting correct information to the bureaus they are not reporting every month I have tried in multiple ways to get this problem fixed and I am the one that is getting affected by the situation even worse during the covid-19 improper handling and abuse of my account information being reported to all three credit Bureau missing information and different information dates amounts are different
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Doing a refinance expressed our need to have appraisal done to drop PMI and signed off on a full appraisal at {$530.00}. We were not notified until after appraisal was done that they ordered a drive by and appraiser did not even get out of car. Expressed our concerns with the bank and were told to wait and see what came back. The report that came back did not properly represent our home. The bank told us to contact the appraiser. The appraiser told us that he was told not to even pull in our drive way, also said it was ver hard to pull comps on country homes and he would be happy to come out and do full appraisal as he does these all the time. We requested that from the bank they denied and said they would not budge. We now have to go with another company so we can get a full appraisal to accurately value our home. If we are paying for the appraisal why weren't we informed it wasnt going to be a full appraisal. we have to pay for another appraisal with the new lender since a drive by is not recommended by them. I would like a refund for the application fee as we would not have went with them if we knew that was how they were going to handle the appraisal. I was promised a call from management only to never receive one. I found out to that they waited to auto deduct XXXX XXXX mortgage payment and it is now showing as a late payment on my credit history. I called to Express my concern and was told they would look into it. this is unacceptable against my perfect payment record on my credit score.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A