Date Received: 2020-01-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: After many years of banking with Fifth Third Bank I am completely disheartened to have to file this complaint and to be going through this situation while I am XXXX in XXXX. I am currently dealing with stress from their unethical business practices ; while have the inability to empathize with a XXXX XXXX member fighting for everyones freedom. About a year ago ; I went into branch in XXXX, Ohio to set up my bank accounts and ensure I would have no problems when I was XXXX in XX/XX/2019. I worked with XXXX at that branch. I told him I have a XXXX- year old child in XXXX that I must ensure money gets to every month while I am XXXX for child support. I told him I need an account that I or my wife can transfer money to electronically but set up like a gift card. If I put {$300.00} in the account every month then you can only get {$300.00} out of it. Once you take the {$300.00} there can be NO overdraft fees, PERIOD! I did not know what type of access I would have to the internet, if any, and would not be able to monitor activity on my accounts. XXXX knew my intent for the account and even mentioned international fees that would apply. He told me the account he set up could not incur overdraft fees. I was not given any paperwork either. Additionally, even though I authorized my wife to access my accounts so she could move the money over each month ; after being XXXX we realized they did not even give her access to the account xXXXX. My cell phone does not work in XXXX and I have minimal if any access to a land-line. Fast forward to XX/XX/2019, my child got on her mothers phone in XXXX and accidently used that account to order a handful of {$3.00} games. Which, she should not have been able to do, because I did not put any money in the account. Guess what, overdraft fees and now charges up to {$450.00}. They have been sending letters to a home I am not living in, because I am XXXX and they are calling a phone number that does not work, because I am XXXX! They deceived me from the very beginning and gave me an account that I specified would not work for me! If they would have told me upfront that an account, such as that does not exist then I would have sought other avenues. I have been contacting them since XX/XX/2019, whenever I can get access to a land-line. They give me the run-around, promise to follow-up in emails, and they have NOT done so one time. I now have no way to get money to my child and my XX/XX/XXXX is not completed until the end of XX/XX/XXXX. They refuse to talk to my wife ( even though I set her up on the accounts ) because she doesnt have a POA. I asked them to waive the overdraft fees and they refused. The account just keeps sitting there accumulating fees every three days. I asked them to place a legal hold on the account until we could sort it out. They refused and told me it wasnt possible. One of their unprofessional responses was Sorry, when you allow a XXXX- year old child to use your card then you will have to deal with the ramifications. I did not allow or give my child access to the account. If they would not have lied to from the beginning about the account, then we wouldnt be in this situation. I would have found another route to get child support to XXXX! They also threatened me by telling me if I didnt pay then the account will be sold and go against my credit. They told me this the day after the XXXX XXXX I am at in XXXX was hit by missiles from XXXX. I am under so much stress and should not have to deal with this while I am fighting for everyones freedom. I have never been treated and talked to so poorly by any business in my life. XXXX was promoted and no longer in that position at the bank, so I spoke with XXXX and XXXX XXXX. They told me I should have read my papers regardless of what XXXX told me. The papers that were not given to me. They were very rude and condescending. They also told my wife they could not talk to her or assist ; while dropping the line Sorry you have to go through this and it isnt even your child, and you are JUST the step-mom. XXXX mislead me in XX/XX/XXXX and now the bank wants to XXXX me over and allow the account to continue to accumulate fees when I can not do anything from XXXX. I feel so helpless and they do not care. Now have no way of getting money to XXXX for child support. Every promise of a return email has NOT happened. To date there have been four calls to the XXXX, Ohio branch and not one return communication. I have limited access to any type of internet connection as well and there is almost always a poor connection. There was never any I am sorry you are dealing with this and/or I am sorry if that is what you were told, or if there was some type of miscommunication I demand contact to the email address : XXXX. I do not have access to my cell phone number or any type of communication sent to the home address. I insist you complete the following actions to remedy your practices that caused the incident. 1. Admit when your employees mess up and fix the problem. 2. Convey compassion and empathy for your customers especially XXXX military 3. Waive all over-draft fees and fees that have been accumulating every three days for the account xXXXX. If this account continues to accumulate fees and thus is closed and sold off to a collection agency. This can prevent me from obtaining or retaining security clearance! I will initiate litigation and will publish the results in as many media outlets as possible to include : online, video and print. I will also report Fifth Third to the Department of Defense Office of the Inspector General for inclusion on the Restricted vendor list that prohibits XXXX XXXX military and Civilian personnel from engaging in business with businesses that have questionable business practices, or who do not provide adequate problem resolution in a timely manner. I will report this unethical and unprofessional business practice to the CFPB as well as the Attorney General. The refusal to place a legal hold on the account to cause fees to only continue is a federal violation of the SCRA. My next stop is to the Federal Trade Commission for unfair and deceptive business practices against customers, but also against XXXX military members who have limited access to any means of real communication. I feel helpless and should not have to go through this, and furthermore, I should not have been treated in such a poor manner by the bank employees. It is causing me undue stress as well as undue stress on my wife when she receives the harassing letters in the mail, but they will not speak to her on that matter. I will be reporting this matter to Washington as my immediate Commander and Chief is the President of the United States as well as contacting the local military counsel. I demand immediate action and demand an immediate response from XXXX XXXX XXXX, Senior Vice President, as well as : Mr. XXXX XXXX, Chairperson/CEO Ms. XXXX XXXX, Retail Risk Manager Mr. XXXX XXXX, Regional President Mr. XXXX XXXX, COO/Executive VP Mr. XXXX XXXX, Regional President Thank you!
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2020-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Fifth Third Bank indicated late payments in spring 2019 which are not accurate, the bank changed the loan payment date without notifying me. This is showing as a delinquent account open on my credit report. I resolved this once I became aware. All payments have been made and in the correct amounts ( almost all payments are more than the minimum monthly payment ). I called the bank and spoke to several people who all agreed that the account was not delinquent. However, all told me they could not assist with removing the open collection indication from my credit report because they did not know how to do that ; they told me they could only assist if my account was actually delinquent. The bank also claimed to not have a legal department. The bank then advised me to contact the CFPB for resolution.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2020-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/XXXX, I contacted Fifth Third to request prior banking reports.On XX/XX/XXXX, I tried to reconcile with Fifth Third Bank, and their customer service representative refused, to resolve matter.I was told to contact you credit company about new account pending to be open with Fifth Third Bank.In XX/XX/XXXX Fifth Third Bank representative asked me if I needed payee amount paid from my account.I didn't request this information.I reported information to another service representative.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was sold to Fifth Third Bank XX/XX/XXXX. I set up autopayment to take effect with the XX/XX/XXXX payment. I paid the XXXX mortgage payment manually. XX/XX/XXXX I noticed something called a " Curtailment '' on my XXXX and XXXX statements. I contacted customer service and was told that a curtailment is an additional payment made to principal. I said I did not request this ( or approve it ) and I wanted reimbursement for the XXXX and XXXX curtailments. The rep ( XXXX ) said she'd put in the request. I also asked to be taken off autopay. She said I'd have to contact the Auto Pay dept about that. XX/XX/XXXX I contacted the Auto Pay Dept ( XXXX ) and asked to be taken off auto pay. I was also told that the reimbursement for the INCORRECTLY withdrawn funds could not be put back into my checking account and that they'd send a check out in 5-7 days. XX/XX/XXXX I mailed in a check for my XXXX mortgage payment. Note, my mortgage payment decreased for XXXX. The 2019 monthly payments were {$810.00} and as of XX/XX/XXXX the monthly payment dropped to {$710.00}. XX/XX/XXXX I received a call from Fifth Third Bank 's Collection Dept because my XXXX payment was overdue. They actually thought the check I sent for XXXX was my XXXX payment and was short by ~ {$100.00}. I explained the story and that the account should have been corrected for the curtailments and I had in fact made my payments on time. It turns out that Fifth Third bank had made an ERROR when they were trying to correct the account and instead of reversing the XXXX and XXXX curtailments, they reversed the XXXX curtailment and the XXXX payment, so it looked like my payment was overdue. Not only that, but they reported it to the credit bureau. The collections rep escalated the call to a supervisor and said I'd get a call from them in the next 24-48 hours. She also suggested I contact the Auto Pay group to verify they have the right information for me ( I'm not clear why ). XX/XX/XXXX I received a call from a DIFFERENT rep in the Fifth Third Bank 's Collection Dept because he noticed my payment was 33 days overdue. I explained the entire situation again. He told me that the information of a missed payment had been sent to the credit bureau already. I asked to speak to a supervisor. After he researched my account, he said he put in a request to correct my account and notify the credit bureau of the correction. I told him I wanted a call from a supervisor and he said he'd request that. I got off the phone with him and called the Auto Pay Dept. Explained the situation again and asked to speak to a supervisor. This time I did get a supervisor ( XXXX ). She put in a request to correct my account and to notify the credit bureau of the error. She said I would get a call from a Resolution Supervisor in the next 2-3 business days. Issue # XXXX XXXX XXXX. XX/XX/XXXX After three business days, I still had not heard back from the Resolution Supervisor. So I contacted Fifth Third Bank. Had to explain the entire story AGAIN. The rep did put me on the line with XXXX. As of XXXX, my account had been corrected BUT they hadn't reported the error to the credit bureau yet. They would request that letter today and it should go out in the next 7 days. She said I would get a copy of that letter. She also said it could take 30 days for the credit bureau to correct my credit report. I am beyond frustrated. I have very high credit scores, or I did until Fifth Third Bank made multiple mistakes. I have spent hours on the phone trying to get this resolved. It has been almost a month since this process to correct my account first started and it still has not been resolved completely. I am in the process of refinancing my mortgage with a different company ( that process actually started before I noticed the error in the payments ).
Company Response:
State: NH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have had my 5th/3rd bank account for 1 year and 3 months as of this writing. Never been late with a payment. I transferred almost XXXX worth of balances to said card to open the account. Paid off the balance and use it every month for my cell phone. Minimal usage with perfect payment history. Now as of last week, the end of 2019, they have taken my XXXX limit and reduced it to XXXX. Hurting my credit score in the process. Lowering my available credit and increasing my credit usage. I called for a reason and they said it wasn't a mistake and that " some '' people had been labeled risky. I asked why i was risky due to my history with them. They said my personal history had nothing to do with the decision. That my credit score did. Mind you, i had been trying to buy a house and my mortgage company had pulled my credit a couple times. They said this is likely the reason but could not be sure due to privacy. TL/DR : Have a perfect payment record and use the card every month at 5th/3rd and they will reward you with a lower limit. My recommendation is to stay away from them as they treat their customers like garbage.
Company Response:
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Company engages in predatory lending and intentionally deceptive billing practices. Company encourages enrolling in paperless accounts however does not provide any statements online regarding the status of the account. The website only shows a " next payment amount '' however ( according to their customer service ) it does not include any fees the account may accrue and there is no way of knowing until you get a bill for a lump some of fees they want you to pay. Even if you overpay your monthly cost to cover what the account states are late fees the lender applies those fees to interest instead of paying off said fees ( according to the customer service rep ). I had a hardship and had my car repossessed last year ( XX/XX/XXXX ), paid my balance which included owed and current monthly payments plus the repo fee, yet XX/XX/XXXX they bill me for what is claimed by customer service to be an unpaid repo fee from over a year ago without any documentation to support it meanwhile I've been paying what the company has told me is my payment every month. This is either a fabrication to make more money, or it is predatory lending where they paid themselves more in interest and are now billing me again for something I sent a payment for. My " next payment amount '' never reflected anything other than the regular monthly payment plus any late fees. However, again, when I pay what the company is telling me I owe, they apply the over payment to interest and then lump the late fees that become due at a later date, all of which is not reflected on the website ( or the statements because they do not exist online ).
Company Response:
State: NJ
Zip: 08723
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have a motorcycle loan with Fifth Third Bank and recieved a call on XX/XX/XXXX about a late payment even though I have never recieved ANY mail, loan docs, or payment request from them. On XX/XX/XXXX I paid two months ( XXXX and XXXX ) and put my account on autopay. On XX/XX/XXXX I get a notice my credit score has changed - I look via my Platnium XXXX XXXX view and it shows a deliquency from Fifth Third Bank yet I have recieved NO letters from them alerting me of this and only ONE missed call from them on the XXXX. They made almost zero effort to alert me of this situation which was a measly {$100.00} payment. Today XX/XX/XXXX I called them and they show my autopay is setup but the payments did not go through and they can not do anything about the deliquency. I paid 5 months at once today to bring my account two months ahead and rescheduled autopay. Fifth Third made no apoligies and no effort to rectify this situation. My credit history is impeccible with zero late payments in the 15 years I have had it established and now I have a deliquency on my account due to Fifth Thirds lack of communicaiton. Again, I have not recieved a single piece of mail from them and do not even have copies of my loan documents. I would like to have any negative marks removed from my credit history. Please let me know how this can be accomplished.
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have had a XXXX Fico score prior to the payment issue on my account. Throughout the entirety of my loan with 5/3rd bank I paid ahead online using their website. I have been a good paying customer and continue to do so with this company. During the month of XXXX I was notified by XXXX XXXX through their XXXX product that I was going to have a late reported on my credit to my surprise. I looked up the item on the XXXX product and found that it was the 5/3rd auto loan I had on my truck. During this time I received no calls, no statements, no letters, no communication at all from 5/3rd bank causing this to go by with no notice. From working at a banking institution this lack of communication is against federal regulations and resulting in damaging customer financial well being. As soon as I found out I immediately paid 3 months of payments and paid my account ahead again. Due to the lack of communication from this bank this has now damaged my credit causing it to go down to XXXX!!!! I then called the bank and they were also shocked that no communication was turned on from my account. I have had this loan since XX/XX/2016. I am asking that this late be removed from my credit and get my FICO back to good standing.
Company Response:
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I submitted a mortgage payment on XX/XX/XXXX for my payment due on XX/XX/XXXX, on XX/XX/XXXX the bank initiated an additional withdrawal for the payment due on XX/XX/XXXX despite the mortgage payment already being made for that month. The checking account was charged a {$20.00} non-sufficient fund fee. I contacted the bank and they refused to reverse the fee, despite the mortgage being paid on time and them failing to realize that the payment had already been posted. I contacted the bank twice via telephone with the last call on XX/XX/XXXX lasting over 30 minutes and they would not reverse the fee.
Company Response:
State: IN
Zip: 46205
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Friday XX/XX/XXXX, I went into A 5/3 Branch inXXXX XXXX, XXXX, OH and attempted to get a chashiers check to refund a vehicle purchase that didnt go through to a customer. While waiting for this transaction to happen for 30-40 mins I was approched by security, 2 different staff members and then the manager. The manager gave me the 5th degree and then issued the cashiers check to me. After the cashiers check was given the Assistant Vice President XXXX XXXX XXXX called the fraud department and froze my account. I have called and left messages and no one had responded to me messages. It has been 12 days, no one sigle communication. They have frozen my business account and I am having a difficult time making payroll. I need this resolved immediately.
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A