Date Received: 2020-06-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020, I used Fifth Third Bank 's mobile deposit platform to deposit a check written by me from my own personal business on an account at another institution. This check was placed on hold to the tune of {$1000.00}, which to me is a substantial amount of money, and will prohibit me from using my account until the hold is released. Bank manager XXXX explained that the bank conducts this type of behavior " all the time '' when mobile deposits are made. Federal Reserve Reg CC allows for certain reasons to place holds on deposits, and requires banks to notify consumers if a hold is placed. I have received NO notice of the hold through mail, email, or telephone. NO reason was provided for the hold being placed even after I called Fifth Third and asked for an explanation. They have been holding my account hostage for 6 days now. That's plenty of time to get me a letter in the mail explaining why they placed a hold. My account is not new, the deposit was not over {$5000.00}, the account is not repeatedly overdrawn, I can PROVE collectibility on the check so there is no reasonable doubt thereof, and this is not a redeposited check. As far as I can tell, there is NO valid reason for the hold to have been placed, which means the bank is operating outside Reg CC guidelines.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: The Fifth Third mobile banking app does not always show customers an accurate amount of available funds in their accounts after purchases and this causes customers to overdraft their accounts when they make more purchases or transfer funds between their accounts. I made an online purchase using one of my checking accounts and then transferred the remaining funds in that account to my credit card account but my checking account became overdrafted because the Fifth Third mobile banking app did not show me an accurate amount of funds available after my purchase. The Fifth Third mobile banking app is absolutely terrible and every other day or two customers are unable to login because of technical issues. Fifth Third bank needs to be ordered to shut down their mobile banking app completely and give customers back the money they was unfairly charged in overdraft fees because of banking errors.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have acct with fifth third bank opened XXXX XXXX But I see additional hard inquiries prior to opening this acct and past opening this acct. There should only be 1 hard inquiry on my credit report but there are 3. I only authorized " 1 '' hard inquiry within XX/XX/XXXX any other inquiries are fraud which I did not authorize. The inquiries in question are dated for FIFTH THIRD BANK For Dates XX/XX/XXXX & XX/XX/XXXX This accounts and Date XX/XX/XXXX I did not do business with this organization and/or did not authorize my credit file to be pulled. On date XX/XX/XXXX I did not give my permission to pull my credit report. I have contacted fifth third bank by phone on 3 occasions and i have received a letter from fifth third bank XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX stating they were verified and correct. I do formally request to show proof of signature that I did give authorization and /or permission to perform a hard inquiry on my credit file. I this proof can not be given i demand that they be removed immediately.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Fifth Third Bank denied me to make my loan current. Made me reorganization and increased my mortgage over 30 more years. They also broke into my home at least 3 times. There is more attached They have escalated the interest 4=5 percent. Second I was denied to make my loan current They increased my loan has been increased to be a 62 year mortgage. I believe the XXXX. employees violated truth and lending practicing I am very upset they allow people break into my home and damage my property, I should have been allowed to keep my FHA loan. I would have matured this loan in 2022. I believe and my feelings Truth and Lending practices have been violated. I am also concerned this broke the laws like extortion, fraud, breaking and entering. etc I wonder how many payments that Fifth third has denied excessive payments and sending checks to me that have never been cashed. It is ridiculous. There is no way I should still have to pay them for 34 more years. I haven't even able to pay my loan and haven't even paid 50 % loan after 28 years. I also believe these employees and goals were to force me to change my mortgage from the FHA XXXX XXXX XXXX XXXX was paid 2 {$800.00} payments and they never applied to my mortgage and their Manger was absolutely RUDE Second I already made payments. The bank does a horrible job accounting. They should never break into my home and demand be paid a second time {$2400.00} or they will foreclosure my property. So my payments should be probably 4-5 payments in advance I am also very concerned that their craigslist employees will try and break into my home and they will find myself in a life threatening situation Please see the attached documents I the consumer Financial Protection believes Fifth Third Bank should be sued I will be more then willing to help. Please only email me : XXXX or telephone Number ( XXXX XXXX XXXX. I do not want any snail mail. I was recently in the hospital for XXXX weeks and the XXXX for four times and had XXXX XXXX XXXX. When healthy I am single and travel for business and do not want sail mail I also believe the employees names addresses city state zip and emplyee ID 's given to me
Company Response:
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XXXX or there about, I was advised by my credit monitoring service that a hard inquiry had occurred on my report from 5/3rd bank. I had not authorized any such inquiry. I am president of a corporation that is in a suit against 5/3 bank tho I am not signed personally on this loan. The bank is in negotiation to settle the claim with me. I believe there actions where intensional Im an effort to determine my personal ability to loan the company funds to pay the debt. It was a credit line with which they called due with no notice s as Nd no default. They obtained fraudulent service claiming the suit was hand delivered to an employee I havent had for years accepting the document for service now to find my financial ability they ran my personal credit without authorization, this is what they do, anything they want to!
Company Response:
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: As of XX/XX/2020 my banking express account has been frozen and a hold of $ XXXX was subsequently posted to my account. When I spoke with the first customer service rep XXXX I was told that the fraud of alert needed to escalated to someone else, her name was XXXX. XXXX verified all of my necessary credentials only to tell me that someone would be in contact with me regarding my case. No explanation or rational was rendered for the hold on my account or as to why I needed to be investigated. I promptly asked for a supervisor and was told none were available. Neither XXXX supervisor nor her supervisors supervisor was available. I left a voicemail with the number I was given to call. No one returned my call. I subsequently called the bank back again, this time speaking to a XXXX whom after again verifying my information placed me on a hold and then hung up on me. I called back again and this time I spoke with a XXXX who informed me that an investigator had been assigned to my case and I was given her number. I was transferred to the investigators line. She did not answer. I left a voicemail. No call was returned. I have since called the bank several more times including the emergency hotline number that I got from XXXX ( the investigator ) voicemail box. When I tried that line, three times I was redirected to the disputes department and which was the in correct department. Only after I called a fourth time did the operator tell me that she has been directed to tell me that my investigator will get in contact with me because as it stands it is after hours. Meanwhile my entire livelihood has been placed on hold. Keep in mind the funds in question were submitted to my account by the federal government and by a state government facility as well. None of the funds in question were submitted by personal check or a check period. Nor was this an atm deposit. Both transactions were electronic and clearly labeled appropriately for each respective entity that made said deposit. I currently hold in my possession all verifying paperwork as proof of these funds and where they come from. However, I have cause to believe that because this is atypical behavior that this treatment is discriminatory.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This involves Fifth Third Bank and XXXX XXXX in XXXX, Texas. Our Automobile was totaled and we had Gap insurance. The gap insurance paid their amount however XXXX XXXX did not pay their share of the bill. Accordingly the bill kept appearing in the mail that we owed {$1300.00}. We called XXXX XXXX and told them that they have to pay the remaining amount due to Fifth Third Bank. They acknowledged that they will in fact pay it. In the meantime the bills kept coming to our address and we kept calling XXXX XXXX and telling them that they still need to pay the bill. They kept saying that they will take care of it. However come to find out that because of this Covid-19 situation they never got around to paying it. In the meantime the bills kept coming and finally I noticed that Fifth Third Bank was turning us in the credit agencies that we have late payment on record. XXXX to be precise. This took my credit from a XXXX down to the high 600 's. Finally XXXX XXXX payed the bill but in the mean time my credit score is terrible now. My objection here is that somebody needs to fix my credit score and take those three late payment off my record. If you check my record you will see that it's clean with the exception of these 3 late payment. My social security number is : XXXX. Please check. Regards, XXXX XXXX -- Co XXXX XXXX XXXX -- Car Owner Thank you in advance. XXXX
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I tried to make a purchase online with my XXXX card but the purchase was declined and a preauthorization was take out for XXXX XX/XX/2020 so that I thought and the app declined my card. So I called XXXX XXXX XXXX and tried to explain what I thought my email stated and the person told me that he seen the the preauthorization for the XXXX and would refund that amount. I was fine with that but I still had the problem of my order getting declined so I asked to speak to a supervisor and got transferred to one. I start telling the supervisor that I was fine with the preauthorization but I had a concern with them not seeing any kind of transactions or any trace of anything on my account but they are taking money from my account without a reason. My second issue is the fact that every where I use my card the put a preauthorization hold on the account. My money is direct deposited every pay day without any type of problem. After I give up on explaining my problem to two different people and either one of them not even attempting to do anything past refunding the the XXXX. Just a little bit later the same day not even a hour later a XXXX preauthorization is emailed to me after I told them that amount and that it was declined. I went and with draw money to to pay for my dinner order. I have a receipt to prove that I paid cash for it and I have both emails with the times, dates, and everything on them. Now I dont know if it will get refunded to my card are if I will even see it again.
Company Response:
State: GA
Zip: 30143
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I logged onto my XXXX account since it had been taken over from MB Financial via a merger and I was surprised to see at total of {$39.00} deducted as a monthly fee of {$3.00} over the past 13 months. I am surprised because my original agreement with MB Financial for this XXXX included a guarantee of no monthly service fees ( that is, it was a free account ). 5/3 bank never informed me that they were going to charge this fee, nor did then even send me monthly statements showing that they were taking this fee from my account. This is suppose to be money set aside for health care or a medical emergency, and 5/3 is slowly depleting it without my consent. I would like this fee refunded. I do not believe it is acceptable practice for a bank to start charging fees on an previously free account without obtaining informed consent.
Company Response:
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX IS STILL ALLOWING FRAUDULENT INFORMATION TO SHOW ON MY CREDIT REPORT
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A