Date Received: 2019-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This complain it against Fifth Third Bank. ( for the past two days ) everything starte a week ago I was receiving phone call, no name? no phone number? the phone was ringing for 2 minutes hang up. On XX/XX/XXXX I receive a phone call between XXXX afternoon a person giving me his name XXXX XXXX XXXX XXXX the first thing I thought you know this is a scam I don't know anything I bought collection he has all my personal information the person that started telling me my name he knew my name he knew my social security number!! that's against the Federal law ( the 42 sec. " " 408 Whoever ( 8 ) this disclose uses, or compels the disclosure of this social security number of any person in Violation of the law of the United State should be guilty of a felony and up conviction thereof be fined on the title 18 or imprisoned for not more than 5 years or both. '' And this individual was threatened me with legal document they I needed to sign it and there was threaten me to come to my house for my signature. according to my ucc-1 The Uniform Commercial Code I file a New York with my trademark copyright with my deceased letter they I have send to every Institution,. I'm not in the public sade, I'm a private individual protected under my ucc-1 trade name copyright.. Whoever violate my private security agreement trademark copyright can be up to XXXX action.
Company Response:
State: IN
Zip: 46628
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have several businesses that have taken me into a deep XXXX. I started working on my credit last XX/XX/XXXX and have gotten my record pretty accurate. I got my first credit card in XX/XX/XXXX and it was in good standing up till XX/XX/XXXX when XXXX XXXX decides to close the account at no real logical explanation. XX/XX/XXXX I opened a XXXX XXXX account and during our business relationship we had some major communication issues and XXXX belittled me up until XX/XX/XXXX when I was notified they no longer want to do business with me! Both accounts were somehow involved with a XXXX fraud account that had applied these two to the fraudulent accounts and was debiting tedious amounts that took some months to notice. I contacted XXXX in XX/XX/XXXX to advise them of the fraud accounts and XXXX alleged to investigate the events and take action. I made several calls up to date and the accounts still reflect in my name. I dont understand why Im being done like this. I call and made complaints with all of them and have documented proof. I was part of the XXXX data breach and possibly the XXXX XXXX yet they do not care that this is not my fault. I can not get a bank account because allegedly Im in XXXX XXXX but the report I got from said XXXX XXXX does not reflect much that renders that decision. Im so terribly confused at the turn of events and the level of treatment I have received. I just learned I was also part of the XXXX data breach from XXXX and was never notified. I have been on top of my credit and these listed accounts and they have dismissed me with no explanation that could help me fix the issue or offer up logical explanation. I have written cfpb and called FTC filed a identity theft report and offered it when necessary. Hand in hand these financial agencies have black listed me and shamed my name for what seems to me what is called a risk factor that I had nothing to do with. They all claim to have fraud prevention liability ect. Im a victim of that Fraud they speak of and they show no sympathy even if possibly at fault. I can not get a credit card for the life of me. I have been postponed starting college do to all this stress and confusion. The literature I have read in these regards is mind blowing conspiracy type incidents. Cupful explains they hold the rights to do what is listed above. What happen to our rights that clearly hold no purpose when exercised? Trust? Act? Privacy? The rights to be heard? The right to know whats being used against me on file? In the USA we call it the land of the free and our constitutional rights are implemented to help us remember! Why and to whom? This is all so pathetic and I truly believe this is rigged to keep poverty where we come from wow how rude!
Company Response:
State: KY
Zip: 41011
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-14
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: XX/XX/2019, I filed a dispute with Fifth Third Bank for {$63.00}. On today, XX/XX/2019, I stayed on the phone for over an hour calling the dispute dept. directly and no one answered. Via the customer service line, I got a dispute person but no one had started working on the dispute and the call was dropped. The {$93.00} dispute was unprocessed and not addressed at all. Dispute case no. XXXX.
Company Response:
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2019-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for roughly {$5100.00} into my checking account at Fifth Third Bank on the evening of XX/XX/19 via remote deposit. I have deposited a check into the same checking account from the same company roughly 6 times this year. The bank is telling me that they are going to freeze availability until XX/XX/19. They said they are doing this because they received information from the paying bank that they might not pay the {$5100.00}. And that is just a flat out lie. It's a 401k loan for God 's sake, 53rd continues to lie about this. I believe it's deceptive and flat out abusive. My mortgage is going to be late, resulting in a fee due to this freezing that 53rd has done. It will cause other financial hardships into next week. I will attach 53rd 's response, and you will see where they are telling me that they received information from the paying bank that the check might not be paid. I think the CFPB should demand that information from 53rd or release the funds and also reimburse my account for undue hardship, say {$250.00}.
Company Response:
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Fifth Third Bank in particular its corporate person handling the several complaints I've already filed XXXX XXXX has failed to properly manage my account when I last one into the bank branch to speak with XXXX loving she informed me that she had got the approval to close my account from her supervisor and that they were going to be using the {$300.00} that was in the savings as the security deposit for the car to close the account which would have left it at a XXXX balance the last letter I just received from XXXX who has not returned phone calls as she had said and promised that she would previously stated that they not only left the checking account open to accumulate further interest charges but they also refuse to close the credit card which I was told was closed by the branch manager XXXX loving by them choosing not to close the card as promised they continue to charge interest and are now reporting the credit card at a higher utilization than it actually is the card was supposed to be closed and the company has refused to just so they can rack up more interest charges at this point I will be contacting the FBI as well as the Attorney General 's office to file fraud charges against this branch and I've already contacted a lawyer which should be very costly to file a lawsuit but I will be filing that lawsuit within the next sixty days I will be asking for a subpoena of all records and if need be filing separate civil suits against each representative that has lied to me including XXXX XXXX and XXXX loving who was supposed to close the account and lied and did not this branch has operated and very fraudulent and deceptive banking practices and this is not something I will stand by and let happen in regards to a dispute that I attempted to file regarding {$21.00} charge from XXXX gas station the representative has the letters XXXX XXXX sent to me lie to me and said that I would have to contact the dispute department and file yet another dispute since the last representative did not file dispute I will also be asking for a subpoena of those voice calls as well because to my last understanding the dispute was not filed which is why I have to file a separate complaint to file the charge again this is completely unacceptable and I am more than prepared to handle this in civil court and I'll have reached out and we'll be reaching out to all levels of government to do more than just filing this complaint with the cfpb since obviously XXXX XXXX is representing the whole Fifth Third Bank I'll be holding her personally liable as well and the matter will be heard in court. Furthermore Fifth Third has continued to harass me by adding me on some type of all about service in which their representatives have called me just about every hour on the hour of the six times or more per day on my phone without leaving any type of the messages as to who they are other than me calling the number back and it's telling me is Fifth Third Bank so I will be filing a report for harassment as well with the FCC and other government organizations for the company continuing to harass me bombarding you with Daley phone calls up to six times or more in the same day even after business hours
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have paid on the line of credit for many years and very little has come off the principle. I personally think these second mortgages should be outlawed since you cant take the interest paid off you taxes anymore. I once paid a {$14000.00} dollar lum sum to Fifth Third Bank of XXXX, Ohio! I think i am being taken advantage of BIGTIME!!! Please investigate.
Company Response:
State: KY
Zip: 425XX
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
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: I had a mortgage with MB Financial from XX/XX/XXXX-XX/XX/XXXX. During that time, they erroneously reported my mortgage as late twice. The first occasion was 60 days late in XXXX and XXXX of XXXX. I have always had auto bill pay, and have record of all on time payments. During the time period in question, I was notified halfway through XXXX that my payment amount had changed by {$12.00}. After numerous calls to the company, they were unable to confirm why that was. A week later I received a notice that I had a late fee due to non-payment. They told me that because the payment was short that {$12.00}, the deducted the entirety of my mortgage from my escrow account, and did not apply any of it to my principal. While I found this ridiculous, on XX/XX/XXXX ( within 30 days ) I paid the entirety plus fees. I was, thus, never late. I have all statements to prove as such. I have reported numerous times and it remains on my credit. Additionally, in XXXX of XXXX I was amidst a refinance which I thought would be done by the XXXX, leaving me with no payment. When it took longer, I paid it mid month ( the XXXX ). Nonetheless, they reported me 30 days late. I called them immediately when I saw this on my credit, and they assured me it was an error and would remove. I have two letters stating as such. They assured me they reported this to every agency, but that they did not receive a response. In XXXX, they were purchased by another bank. This bank has also notified all credit reporting agencies that I was not late in EITHER instance, however as of XX/XX/XXXX only XXXX had responded. I am requesting that this be investigated. I have proof that all payments were on time, and have letters from my original bank stating that this was in error and that they had notified reporting agencies. I have submitted this documentation every time I dispute. XXXX never even opened my claim.
Company Response:
State: CA
Zip: 91384
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My daughter and I went to 5th 3rd bank to open a saving and checking account and while opening the account she told both of us that we were approve for a no interest credit card, she gave us papers to sign and said the card would be to us in a few days, we told hard that we did not want a hard inquire on our record and she told us that the bank only pull soft inquire. We wrote the bank with a complain and they said we have your signature on the forms so that is our problems. We were trying to fix our credit and they just hurt us by there person that lie to us. We just would like them to remove the hard inquire
Company Response:
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX-19 I made a claim against my home owner insurance and come to find out fifth third had not made my insurance payment so they would not take the claim called fifth third and they said they had a grace period of 60 days and my insurance said that is not true and told me that they had sent them a notice after talking to several people from the bank they said the would pay it so a week went by and I called insurance to refile the claim and they said they still had not got paid so I called the bank back and they sent it out around XX/XX/XXXX
Company Response:
State: KY
Zip: 424XX
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I made a purchase on XXXX at for {$9.00} at XXXX XXXX CDT on XX/XX/XXXX. That is the last legitimate purchase I made on the card. I had a balance of {$270.00}. While I was sleeping the following transactions were made : {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX ending in a balance of {$4.00}. Then I have had notices of declined charges of {$21.00} at XXXX. This continued with charges declined for {$6.00} at XXXX. When I found the text messages with charges and balances, I called to report the card as compromised/hacked. I was told that the transactions were pending and would have to be complete before a dispute claim can be placed. My account was then put on hold -- not that there was anything left to steal. However charges have still been attempted. XX/XX/XXXX at XXXX XXXX a charge of {$6.00} was attempted on a card ending in a card I don't have in my possession. This matched neither card I have in my possession. XXXX a charge of {$18.00} was attempted on card ending in the mystery card. Meanwhile I still have attempts against my account, which is frozen but has had a deposit made from my employer -- that I can't access because my account is frozen. I am told I have to wait 7-10 days for a replacement card. Normal cards with multiples of the same transaction would have been rejected, a flag put immediately on the account and a new card sent out within 3 days. The only reason this must take so long is that I have been dealing with an offshore phone center. Because they told me the charges initiated in the XXXX -- would you want to deal with an offshore phone center accessing your info?
Company Response:
State: IA
Zip: 516XX
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A