Date Received: 2019-11-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is simple. 53.com deleted all my payment information from the website. So now I can't make a payment. They are trying to make me miss payment so they can charge more late fees.
Company Response:
State: IL
Zip: 60654
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: MY COUSIN GOT A VOICEMAIL FROM AN UNKNOWN NUMBER HE DIDN'T ANSWER. A GIRL LEFT A VOICEMAIL VERY THREATENING. SHE SAID ON THE VOICEMAIL, I WAS GOING TO GET SERVED SOME DOCUMENTS BETWEEN 3 AND 5 AND IF I DON'T ANSWER THE DOOR, THEY WILL GO TO MY JOB AND SERVED ME THERE. THAT THE MATTER IS LEGAL AND I NEED TO ACT NOW. I CALLED AND TALK TO A GIRL AT XXXX XXXX WHO MADE ME DO PAYMENT PLAN OR ELSE I WILL HAVE TO GO TO COURT AND SO ON. I CONTACTED FIFTH THIRD BANK TO ASK FOR DETAILS AND THEY REFUSED TO PROVIDE ME W/DETAILS AS I COULDN'T REMEMBER AN ADDRESS FROM 10 YEARS GO,. THEY REFUSED TO TALK TO ME WHEN I GAVE THEM MY SOCIAL SECURITY NUMBER. I FELT VERY THREATEN BY THE VOICEMAIL AND HOW THEY ARE HANDLING BUSINESS. I FEEL NERVOUS AND SCARED THAT IT COULD BE A SCAM OR FRAUD. SO XXXX XXXX IS SERVICING FOR FIFTH THIRD BANK. TO MY UNDERSTANDING, BUT EITHER OF THEM HAVEN'T LEGALLY SEND ME A LETTER THAT I HAVE A DEBT. THAT DEBT THEY CLAIM I OWE, IS NOT ON MY CREDIT OR ANYWHERE. I NEED HELP. THIS VOICEMAIL WAS LEFT ON A THIRD PARTY PHONE NUMBER AND THAT IS AGAINST THE FDCPA. ALL THIS IS AFFECTING ME MENTALLY. I PAID XXXX TO PREVENT ANY ISSUES. MY NAME IS : XXXX XXXX PHONE NUMBER XXXX LAST XXXX OF MY SOCIAL XXXX
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
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: Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX ( XXXX ) is allowing merchants ( with DEFECTIVE SERVICES, DEFECTIVE PRODUCTS, AND MISLEADING ADVERTISEMENT ) defraud cardholders. On XX/XX/2019 ( SATURDAY ), I made a payment to hold a quote from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$990.00}. I have since CANCELLED, ( First Cancellation of Tentative policy XXXX, effective date XX/XX/2019-tuesday, was XX/XX/2019-saturday and I received a refund of {$320.00} to different form of payment for a prior payment of {$320.00} made on XX/XX/2019-tuesday ) occurred on XX/XX/2019, I re-cancelled the tentative policy due to suspicious unauthorized activity on MY XXXX. XXXX made a partial refund in the amount of {$670.00} of {$990.00}, and they are refusing to issue the remaining {$320.00}. On XX/XX/2019 ( MONDAY ), XXXX XXXX XXXX XXXX fraudulently charged me {$180.00} ( begging for money upfront before any services ) for XXXX XXXX XXXX, denied me access to XXXX, and unnecessarily exposed me to XXXXs ( not sure my last XXXX XXXX ), and then rendered DEFECTIVE SERVICES. I have requested a REFUND FOR {$180.00}. On XX/XX/XXXX ( WEDNESDAY ), XXXX Weight loss clinic defrauded me out of {$140.00} ( {$99.00}, {$50.00} ) for an 8-week WEIGHT LOSS PROGRAM, they cajoled me to their office ( begging for money upfront ) and then denied me the appetite suppressant, refused me the 8 week XXXX INJECTIONS, tried to force A HIGH-FAT PIG DIET ON ME, and ill-advised I exercise no more than 30 minute daily for 4 days. On XX/XX/XXXX ( SATURDAY ), XXXX allowed AN UNAUTHORIZED PAYMENT IN THE AMOUNT OF {$2100.00} WITHOUT MY PERMISSION OR KNOWLEDGE. The attempted theft resulted in them trying to steal {$2100.00} from my other bank account. The payment transaction REJECTED and I was assessed a {$37.00} return XXXX FEE. On XX/XX/XXXX XXXX XXXX stole {$15.00} from my VISA PREPAID DEBIT CARD FOR A TRANSACTIONS I DID NOT GRANT THEM PERMISSION TO CHARGE TO THAT FORM OFPAYMENT. XXXX XXXX refuses to refund a purchase made inadvertently resulting from an IPHONE technical difficulty issue, refund amounts to {$1.00}. XXXX STORE OWES ME {$3200.00} for a defective XXXX product DROP OFF, they have refused to issue the REFUND DESPITE BEING WITHIN POLICY AND TERMS OF XXXX REFUND/REPLACEMENT POLICY THROUG XXXX. All transactions eligible for CHARGEBACK have been requested, and XXXX XXXX refuses to adhere to Regulation Z, Truth in lending, and the Fair Credit Billing Act of 1975. XXXX XXXX is acting as if THE FEDERAL GOVERNMENT CAN'T TOUCH OR REGULATE THEIR FRAUDULENT ACTIVITY, AND I REQUIRE ASSISTANCE FROM THE FEDERAL GOVERNMENT BECAUSE THE PROVISIONAL CREDITS ISSUED ONTO MY XXXX ARE NOT BEING MADE AVAILABLE FUNDS FOR MY USAGE WHILE THEY CONDUCT THEIR REDUNDANT XXXX INVESTIGATIONS. MOST IMPORTANT THEY HAVE TO START THE CHARGEBACKS. XXXX OWES ME A TOTAL OF $ {$3900.00}. Sincerely and Respectfully, XXXX XXXX MD, Phone : XXXX, Email : XXXX.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2019, I opened a new checking account with Fifth Third Bank. On XX/XX/2019, I tried to add an external account ( in my wife 's name ) online so that I can fund the newly opened checking account. On XX/XX/2019, the external account was sucessfully verified ( Fifth Third Bank made two small deposit and asked me to verify the amount, to make sure I have access to that external account ). Then I initiated a transfer of {$1400.00} from that external account ( XXXX XXXX XXXX ) to the Fifth Third checking account. On XX/XX/2019, I was notified by email that the transfer did not complete, and my checking account was suspended for money transfer temporarily. It asked me to contact Customer Service at XXXX to resolve the issue. I immediately realized that I should not have tried to transfer money from an external account that was under my wife 's name to the Fifth Third checking account under my own name. I truly understand that some bank has such policy for security purpose. Then I called the number, but the associate insisted he did not see anything wrong with my account. After escalating the issue, he confirmed my guess that it was because the external account I tried to transfer money from was in a different name than mine. But he ensured me that the issue was resolved and I should be able to use it after a few minutes, log out and then log in again. It never worked. After a few days I still could not use the money transfer service. So I called the customer service again. This time was even worse, because the associate had no idea what was going on. I explained that because of my mistake, my transfer was suspended and asked her to help reinstate it. Again she insisted that there was nothing wrong with my account, and she kept asking me to change web browser, and clear cache and cookies. I did what she told me to, and of course it did not help. Then she escalated again, and when she was back, she told me that a new account less than 30 days old does not have the online money transfer function. And if I wanted to fund that account, I would have to go to a branch to deposit a check or cash! I was totally unsatisifed with the answer, because that was not right! She did not know what was wrong and she did not know how to solve it.
Company Response:
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: As I see from the XXXX, Inquiry from XX/XX/2019 by XXXX XXXX XXXX XXXX - made 6 hard enquies on the same day without my notice. I request to take action/ investigate and remove the Hard inquires from my account. Below are the INQUIRIES made : 1. XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 2. Fifth Third Bank - XXXX XXXX ( Inquiry from XX/XX/2019 ) 3. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 4. XXXX XXXX XXXX XXXX - XXXX XXXX, New ( Inquiry from XX/XX/2019 ) 5. XXXX XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 6. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 )
Company Response:
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-28
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Fifth Third Bank dropped my credit score by 80 points ( from " very good '' to " good '' ) over {$3.00} in trailing interest they added to my credit card after I paid it off. At no point did I receive an email, phone call or text message letting me know the amount was due - despite my account information being current and my having signed up for text messages. It doesn't seem fair that my credit score has been impacted over such an insignificant amount in the manner that usually happens to people who fail to pay mortgages or default on car loans totaling thousands of dollars. I'll note that Fifth Third didn't report the amount of the default to at least one agency, so the mark on my credit is the same as someone who had missed, say, a {$2000.00} mortgage payment. I reached out to customer service on several occasions and was told " there's nothing they can do. '' An 80 point credit score drop seems out of proportion over my failing to pay {$3.00} I was unaware I owed ( and which, for the record, I paid immediately upon learning it was due. )
Company Response:
State: TN
Zip: 37215
Submitted Via: Web
Date Sent: 2019-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This is additional information on my complaint, basically I need fifth third to send me over all signed contracts for this alleged loan/lease, and all documentation associated with the alleged repossession of the property, I did not receive any of this documentation they are sending me statements and print outs that I dont know what I can do with that, it shows me nothing, I will show a copy of what they are sending me as proof of ownership
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third Bank increased our monthly mortgage payment by {$600.00} without cause after buying our mortgage from another bank. In addition they never paid our home insurance account which forced a loss of our 25 year plan and increased our premium by {$1500.00} annually. They fluctuated our mortgage payment several times in one year and then penalized us by hitting my credit so that I could not move banks. No one at this institution will explain the artificial escrow increase even after speaking with the office of the president. We pay our own home insurance and the only escrow is for taxes which have not increased to to justify this surplus. They have ruined our credit, crippled our ability to afford anything for my family over the last two years and people need to be aware they should not bank with them.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We ( Spouse and myself ) was made aware of the error while applying for a loan on XX/XX/XXXX at a different bank. During the loan application process, it was discovered that Fifth-Third Bank was reporting each of my two credit cards to the three main credit reporting agencies under two different names. This effectively doubled our debt for each card, doubled the credit outstanding and lowered my FICO score. They reported the credit cards to XXXX and XXXX as " Fifth Third Bank '' and reported to XXXX as " 5/3 Bank CC ''. It was discussed with the local branch in XXXX, XXXX, which pushed it to Fifth-Thirds 's Credit Card division. The CC division said there was no error on their part, and it was the credit reporting agencies issue. I then went back to the local manager, and he gave me the number for the Fifth Third Office of the Chairman. They investigated and said there was no error on their part. The original loan officer that discovered the problem said that it is Fifth-Thirds problem and is a software glitch on Fifth Third 's end. I filed a complaint with XXXX on XX/XX/XXXX and six months later it still shows open requiring " manual '' review. I believe that this is likely a large problem with Fifth Third Bank Credit Card Customers across the country.
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2019-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX Narrative on XX/XX/2019 On or about XX/XX/2019, I opened an account with 5/3 Bank and declined to opt into overdraft protection per the Opt Rule. My checking account balance at the end of the business on XX/XX/2019 was {$740.00}. There were no transactions made on my account by me or anyone else from that time until approximately noon on XX/XX/2019 when I attempted to make a debit card purchase and my transaction was declined. I found that to be highly irregular and logged into my mobile banking application with 5/3 Bank and noticed that my checking balance is - {$1900.00}. It showed a list of strange " pending transactions '' that took my account from where legally and ethically it was at in the amount of {$740.00} to a high negative balance. The Opt Rule, 12 CFR Part 1005 ( Regulation E ) at1005.17 ( b ) ( 2 ), provides official interpretation of conditioning payment of other overdrafts on consumer 's consent. This section requires banks to condition and decline the payment of any overdraft checks, ACH transactions, and other types of transactions on the consumer because the consumer has not affirmatively consented to the institution 's overdraft service for ATM and one-time debit card transactions. On XX/XX/2019, 5/3 Bank willfully and deliberately violated this section of the law and changed my account from {$740.00} to XXXX. This violation came stemmed from an act of negligence on their part to maintain effective and efficient electronic banking systems and became libelous with intentional tortuous liability as a result of them willfully and deliberately using creative and artful means to cause me injury, knowingly violate 12 CFR Part 1005 and erode more trust from not only the banking industry as a whole but specifically 5/3 Bank. 12 CFR Part 1005 does not provide justification for violating the law by banks for any reason whatsoever and banks are actually the more egregious offender like that of contracts of adhesion but the intentional injury inflicted on my was likely from something that should have been commended for. Apparently, I randomly discovered via penetration testing a flaw within two banking systems that through my efforts and the methods that I used in particular, 5/3 Bank and I were actually able to stop and remedy this glitch that 5/3 Bank has an actually has an official and legal duty and obligation to correct, not me. 5/3 Bank apparently was either extremely cheap in acquiring their business assets like their software & information systems and/or seriously lacking in the acquisition and retention of skilled, competent, knowledgeable, ethical and professional personnel.
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A