Date Received: 2023-09-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I deposited a personal check on XX/XX/23 via my cell phone and online banking app for XXXX dollars ; the money was then removed from the XXXX account and placed in savings at my bank. My bank put a fraud alert on it. I supplied all the documentation they required and they still will not lift the fraud hold so I have no access to my money.
Company Response:
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I unfortunately last XXXX contracted XXXX. The medicine provided to help my recovery time ended up working negatively with the XXXX, i subsequently got sicker and fell behind on both my mortgage and my Heloc. I was somewhat relieved to find out that there was a program in place for homeowners with these circumstances called MI HAF. I went through the application process and was contacted by a case worker who patiently walked me through what was needed as far as documents. One of the documents necessary to pay the Heloc and make it current was a letter from the servicer 5th 3rd bank ( Fifth Third ). I went into the branch on XX/XX/ and requested this document. I also didn't mind closing the Heloc withdrawal function because I was no longer with the person who I opened it with. Now i did specify I wanted it closed to ALL parties, and that I would work on just paying it down or off, but that i did qualify for this program that at least would bring the Heloc current. That's when I was informed that you can not cancel the withdrawal function on the Heloc. The only way to stop the withdrawal ability was to pay it off or to wait 10 years. I reminded all 9 representatives I spoke with over the course of 4 days that again MY property, and I am the only one on my deed, my property is tied to this Heloc and I wanted to close the ability to withdrawal on this product again for all parties myself included and again to no avail. And it wasn't until the 4th day I found a " Hardship Assistance '' online for 5/3rd, on my own not one of the 9 reps i spoke with pointed me in this direction mind you. And their idea of hardship assistance is simply an email. No instructions, no one to contact, simply an email.
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I received a car loan from Fifth Third Bank back in XXXX. I paid off the loan completely by XXXX. The bank never released the title. I called them and asked them to release the title, they told me they would, but never did. XXXX hit and I forgot about this issue. Forward to now, I'm trying to either get different insurance or sell my car ( depending on the insurance ), but I realize I need the title. I put in a request in the California XXXX for my title, only to be informed that the bank never removed the lean like they were supposed to. I was told that I needed to pay money fill out some forms and get a letter from the bank that the lean has to be removed. I called the bank on XX/XX/XXXX and requested the document. They told me they could fax it to me in XXXX business days. I waited until the XXXX with no fax and called them again. This time, they told me they don't know what happened, and that I would need to request it again. I argued that it had already taken more than a week and I couldn't keep waiting, but they gave me no option. They opened up a case number and told me they would call back in 3 days. Today, XX/XX/XXXX was the XXXX day with no call so I called them. They informed me that they are not allowed to fax this letter, that I've should have been told, but now they have to mail it. They will not expedite it and I will need to wait XXXX business day so they can ( hopefully ) mail it out. At this point, I don't believe the bank has any of the paperwork. They will not release the lean or provide me with the documents even though the loan was paid off. I need help with actually getting them to release my car and my title.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I received a phone call from 5/3 bank that activity had occurred on my account that was flagged as fraudulent. They told me that somebody used my license ( a license that was stolen when my car was broken into earlier in the year and a police report was filed ) at a 5/3 bank branch which resulted in my entire account balance being withdrawn. I asked why somebody who is not me was able to use my license at the branch and they informed me that the bank teller made a mistake because she was, at the time, in training! They apologized and assured me that it would be resolved. Over the following months, I spent hours on the phone with the bank with no resolution. I told them that ALL activity after XX/XX/XXXX was fraudulent - fraud that was only allowed to occur due to THEIR mistake. The resolution would have been to restore my account balance to it's previous status on XX/XX/XXXX. There were multiple fraudulent activities performed at the bank by the scammer, 3 to be exact, and after many months, I learned that 5/3 bank had only resolved 2 of the 3 fraudulent charges. The result was that my bank account, now deemed " resolved '' by 5/3, was overdrawn and I was being charged overdraft fees. Eventually, they sent the overdraft fees to collections and I started getting collections calls. I finally escalated the case to the " Office of the President '' at 5/3 who was able to stop the collection and negative XXXXredit score effects. However, now I am two months into working with the " Office of the President '' at 5/3, and I still have not received my money back. They are still " investigating ''. To me, it is as black and white as any case can be. One day, I had around XXXX $ in my account. The next day, a scammer used my license stolen ( reported officially in a police report ) months prior at a 5/3 bank branch to drain my account, allowed by a trainee bank teller. I can not begin to express the burden this issue has had on me, emotionally, financially, and time-wise. This fraud was fully at the fault of the company who for some reason, has been unable to resolve and refund my bank account the XXXX $ that is mine. At this point, 5 months later, this money has been stolen from me by the bank, and I have been robbed the opportunity to invest that money.
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have several bank accounts with Fifth Third Bank. The account that I use to pay my bills from went into overdraft when a client failed to pay for my services. There is overdraft protection for this account ending in XXXX linked to my XXXX checking account. That is the only overdraft protection account that I authorized. I am currently unemployed. The stress of that is more than enough. I do not qualify for unemployment as it was a contracted consulting job. As I have been getting money, I have been paying down the overdraft on the XXXX account. I had {$100.00} in my savings account. I went into my account to transfer money to one of my checking accounts and found that my money had been taken out of my account by the bank. That is all of the money that I have left. When I contacted the bank, they essentially told me that they could move money from my accounts without my authorization. I know that is incorrect. Taking without permission is theft - plain and simple. First they tried to say that I had set up overdraft protection using my Savings Account. In the entire 8 years that I have been banking with them have I linked overdraft protection to my Savings account. When I pushed for them to provide documentation showing that I authorized overdraft protection to be linked to my bank account, I was told that they do not have access to such documents. Then the representative came back and said that I was correct. Overdraft protection was only linked to my Checking Account ending in XXXX. How can he tell me this when moments before he claimed that he had no access to such documentation? I requested for my money to be returned to my Savings account. He told me that they would not return the money to my account because they moved it into the account that has a negative balance. How can anybody besides me authorize activity on my bank account? If that is the case, anybody can just go in and manipulate my account at will. I have enough sense to know that this is not legal. Another practice with Fifth Third is charging overdraft fees if an assessed maintenance fee overdrafts an account. How can they do this? This is an option offered by their bank. How can they charge overdraft charges on maintenance fees?
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX I was charged $ {$74.00} in overdraft fees for " pending '' transactions without my account ever being truly overdrawn on the statement. When I asked to provide more information, they told me it is due to overnight processing and that they " predicted '' my account being in the negative. I called and asked to provide me details as to why and if they can reverse the fees since my account was never overdrawn. The call was escalated to a manager so I can make sure they understood my issue. XXXX ( manager ) was extremely rude, kept telling me that i was interrupting him when I was asking him to explain what happened. XXXX asked me to pull up an overdraft notice which had a different balance on it that what I would see online or through the mobile app. when I asked him how this is different, he said I was interrupting him, when I asked to speak to his manager he said no and hung up on me. I called again and they reversed one of the overdraft fees but not the other because they have a 1 fee max reversal policy. I feel like this is abusive practices when the account holder is not able avoid this fee. My ending balance on XX/XX/XXXX was {$51.00}, XX/XX/XXXX was {$11.00} and on XX/XX/XXXX {$1200.00} so I am a little confused to why I would be charged overdraft fees when my account was never really overdrawn.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: To whom it may concern I bought a used car in XX/XX/XXXX and started to make payments in XX/XX/XXXX. In XX/XX/XXXX I became unemployed, informed the bank and requested a Covid19 repayment plan under the CARES ACT. I spoke to a specialist in the Customer solutions department and made my payments. The agreement was that all of the late fees would be removed for XXXX, XXXX and beginning of XXXX in order for me to make payments and get back on my fee. I requested fifth bank for my Installment payment history and I saw that all of the late fees were still there and nothing was removed. Aside from the above several late fees are being posted before my due date, which is on the the XXXX of every month. I have spoken to 8 representatives who confirmed that there is an agreement in the account, they see my calls, their access is limited since they are customer service representative and that the only people that can remove late fees are the customer solutions or the vehicle borrow assistance hardship department. I also spoke to another representative in XX/XX/XXXX and informed me that several times representatives promise and mismanage clients expectations or information to get payments. I require all of these late fees to be removed, require that my account be investigated and interest be assessed correctly.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Issue has be on going for almost 6 months with no real resolution insight. Fifth Third Bank closed my account and is keeping my money for their investments use but will not return my money nor give me access. XXXXSigned up online for checking account and funded the account {$500.00} via online from my bank account. XX/XX/23. Received email stating my debit card had been activated, though I never received the card. Called customer service about unauthorized debit card activation, was told to come into a branch to verify my identity. Informed them that is was not possible because I live in KS and the branch they suggested was in Indiana. XX/XX/23 Received letter in mail stating the account would be closed. XX/XX/23 Called customer service about deposit being returned due to the account being closed. During the call I was transferred to local branch in Indiana, and was giving the same irrational answer of flying into Indiana just to show someone my ID even though I have no account with them at this time. XX/XX/23 Called customer service to speak to upper management about situation only to be transferred back to fraud department. Representative informed me of the option to email ID and SS to get verified by Indiana branch. Rep said she would note my account of the matter so Indiana branch manager could better understand the situation. Called Indiana branch never spoke to branch manager because called was screened by a rep who rememberer my call from months ago of same issue. Indiana branch refused to accept their own suggested solution of emailed copies of verification. Bank still wants me to fly out of town to go into branch to show a teller my id. Upon showing my ID, I still wont get my funds on demand because they will be mailed by check in 7-10 to my home in XXXX XXXX XXXX
Company Response:
State: KS
Zip: 66104
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquires have been added to my credit report without my authorization. XXXX XXXX XX/XX/ I disputed them all and they remained on my credit report
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 I disputed fraudulent activity on my account for an odd and unusual amount of XXXX XX/XX/2023 Case # XXXX As I requested they resolved dispute and removed credit from account. They forced a closure without me understanding why.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A