Date Received: 2019-08-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Thank you for taking the time to read this. I have an issue with Fifth-Third Bank. I have been making on-time payments to them for the past 9 months. In XXXX, I decided to enroll in a program with XXXX XXXX XXXX for repayment plan for the debt ( I had lost my job ). In XXXX, I made a {$650.00} payment to Fifth Third over the phone. My issue is that when I tried to make the payment in XXXX, the representative said my account was closed and that I have to go into a branch to make the payment. When I went into the branch, the representative said he will see what is going on. I never heard back from him. In XXXX, I tried to make both XXXX and XXXX payment but they would not take my payment over the phone. So I went to another representative at a local branch and demand for them to find out what is going on. The representative reached out to me yesterday saying that my account is in-house collections because my account was late. I was furious because my account was late due to the run around I was getting from Fifth third but he mentioned it was late since XXXX. I know that was not true because I made the payment on the XXXX each month. The phone representative always said my payment will be posted on the same day I paid ( excluding holidays ). I received no mail notification and now I have a late payment on my credit report and I do not think I should have that reporting on my credit. This is not right and I would like this fix! Thanks, XXXX
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-22
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I refinanced my mortgage with Fifth Third bank through the XXXX XXXX XXXX XXXX on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX sent the payoff check to Fifth Third bank immediately after closing. Fifth Third Bank continued to contact me, I explained to them that I refinanced with XXXX and I was already making mortgage payments to my new bank. I know someone at Fifth Third bank received the XXXX check because I confirmed with them on XX/XX/XXXX and they stated they had just received the check. But the calls for collections continued, I repeated to them that I refinance, they asked questions as if it was the first time knowing of this. We had a conference call with Fifth Third and XXXX and we confirmed we had the correct info for the XXXX payoff check and it was exactly the same as the first time that it was sent out. The payoff check had to be re-sent for the 2nd time. During all this time they have been reporting late payments to my account and my credit score went from " excellent '' to " needs work ''. Please help
Company Response:
State: TX
Zip: 77041
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2019Regarding: Fifth Third BankTo Whom It Concerns,My husband and I have had our Checking account with Fifth Third Bank/XXXX XXXX XXXX for a number of years. My husband died this past XX/XX/2019. I have resumed the relationship with Fifth Third Bank in changing the account name into my name only (XX/XX/2019). My husband received a lump sum (XX/XX/2019) of Social Security Disability and a single payment (XX/XX/2019) in July. Knowing the XX/XX/XXXX payment, that I was not entitled to and possibly a portion of the lump sum. I went to the Social Security office in XXXX XXXX (XX/XX/2019) to bring this to their attention as well as my Spousal Disbursement. In the conversation with Social Security, it was my understanding they were to bill me for the overpayment. Fifth Third placed the hold on XX/XX/2019 and NO notification was sent to me, regarding the hold of the Reclamation in the amount of $XXXX. It came to my attention on XX/XX/2019 talking with a Fifth Third representative that Social Security placed a hold on the funds, 13 days with NO notification from Social Security or Fifth Third thus harming my reputation. Within the week, I wrote a check to my attorney and was notified by him that the check bounced. Had I known the full amount was held, I would have used my account at another institution to write the check. XXXXNote: If at the time the RDFI first receives information of death, all or part of the post-death benefit payments have already been withdrawn from the account, the government does not authorize the RDFI to try to recover the funds from the withdrawer. If the RDFI does so, it acts under its own authority in terms of its contract with its depositor or under state law.Holding Payments Under no circumstances should an RDFI hold payments indefinitely in a suspense account, or by any other means, nor should payments otherwise be held if any of the conditions apply on when to return a payment. Holding payments may constitute a breach of the RDFI’s warranty for the handling of Federal government ACH payments under 31 CFR 210 and could result in an RDFI’s inability to limit its liabilityI have another issue that has come to light on a regular deposit on XX/XX/XXXX, I made at an ATM (XXXX XXXX) for $XXXX. This ATM does not accept envelopes but takes pictures of the checks/deposit and shows the check(s) on the screen. However, looking at my On-Line Fifth Third banking, on XX/XX/XXXX I noticed a $XXXX. Debit on XX/XX/XXXX. I called the Customer Care and was told that the machine/person could not read the check and was then debited my account, the same amount of the check. In this conversation the Customer Care Representative stated the check was discarded and I should receive a notice the end of this week. I feel Fifth Third should of called/emailed (they have this personal information) regarding this and not disregard the check but look into the situation and resolve this immediately. In addition I am fairly certain there are reconciliation requirement that Fifth Third need to abide to that would allow me to see the image that they felt was not legible.Frustrated
Company Response:
State: MI
Zip: 49508
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I purchased a new on car on XXXX XXXX, XXXX the finance manager applied an extended warranty on my vehicle with out my permission. I told the financial Manager on XXXX XXXX, XXXX. I didn't want the extended warranty applied to my loan extra charges were applied .I didn't notice it during the transactions, I took my paper work to my father and sibling and they looked at my contract and my father noticed their were extra charges was applied to my loan, I went back to the dealership. and I informed him that I didn't want and extended warranty on my contract, I asked the finance manager for my receipt and he said he didn't have to give it to me. I ask him to remove it after one week, He said verbally he would take it off and a week later, I went back to the dealership and he finally gave me my receipt after my third visit weeks have gone by the extended warranty is still on my contract, I notified the bank until this very day it's still haven't been removed. My receipt was given to me on XXXX XXXX, XXXX it said in XXXX XXXX XXXX the extended warranty was going to be removed in that time frame it's going on XXXX the XXXX XXXX. I called the manager and he said he notified the Finance Manager while he was at home that was on XXXX XXXX,XXXX. He said it would take six weeks from the twenty one day mark. I haven't bought a new car in over twenty years and I felt like the Finance Manager and the store manager took the advantage of me as a female. I went to another bank to refinance my loan.I can't get my car refinanced until the extended warranty is removed from my account.
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-20
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: On XX/XX/2018 these companys did I hard inquiry on y Credit Report and i did not ask them or give them my permission to do this I have talked with all credit bureaus and they say they will not help or investiagte inquirys I am looking for the companys to provide proof that I gave them permission to run my credit reports
Company Response:
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2019-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The loan was purchased from MB Financial by Fifth Third Bank in mid-2019. I have made no less than 6 contacts with Fifth Third Bank via mail, the web portal and customer service to have the loan automatically debited from my account after it was purchased by Fifth Third Bank. Each time, they do not complete the transaction and are now saying that I am past due on the loan. Each time, they asked for my routing and checking account number and I have provided it. They have yet to resolve the payment issue for past payments. They claim that future payments will be debited from my account but the jury is out. I am now concerned that the bank does not have the financial controls in place to protect my personally identifiable information, especially if they cannot process a payment correctly, multiple times.
Company Response:
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I wrote a check for XXXX for my car loan. The monthly payment is $XXXX. I wrote on the check to apply $XXXX to principal. (I have sent in checks before to add extra to principal and have not had any problems). On XX/XX/XXXX The check was cashed for $XXXX.On XX/XX/XXXX I was at the bank checking about other transactions and realized there was more in my account than I thought should be there. Later that night something woke me and I started thinking about my statement. I was looking it over and discovered the above mentioned error. I called the automated loan number to verify the transaction and if it had been corrected. It had not. I also contacted my bank that night and let them know about the error.On XX/XX/XXXX I called the bank that I have the loan with regarding the mistake. The person I talked with told me to fax a copy of the check to that bank. I called the personal banker that I usually do business with at my bank and told her what was going on. She faxed the copy of the check over to the other bank.Since then I have been checking my loan balance everyday. The only change is interest accruing (More than half shouldn't be).On XX/XX/XXXX I called the bank again to see what the status was on fixing their error. They told me it would take 5-7 business days. I was still concerned about this so I made the first available appointment for XX/XX/XXXX. On the night of XX/XX/XXXX, I checked my balance at my bank and $XXXX was taken out of my account on XX/XX/XXXX. I checked my loan balance and it had not been applied to the loan.XX/XX/XXXX With the assistance of the personal banker that I usually helps me, I contacted the bank with the loan again and spoke with a customer representative. I was told that it was being processed. My banker and I were not comfortable with the situation; why was the money withdrawn from my account on XX/XX/XXXX and still not applied to loan as of today XX/XX/XXXX. My banker then called another department within my bank and found out that the $XXXX was transferred to the other bank for the loan based on my phone call on XX/XX/XXXX as I said it before it still hasn't been applied yet.I was also wondering how they could cash a check that I mailed out on XX/XX/XXXX by XX/XX/XXXX and it's taking them so long to correct this error.
Company Response:
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: fifth third Bank has failed to resolve any of the previous complaints in particular recently I've had to just closed out every account with them less to checking account due to the company not responding to the various complaints that have been filed fifth third Bank has refused outright to even file and accept disputing a transaction I had a transaction that was unauthorized because my card was stolen and I believe the total charge was {$22.00} and some change of gas from XXXX gas station when I called into the deceased department in the fraud department I was told that they were disputing the transaction but that is not actually what happened they did not dispute the transaction and I was prompt it to go again and follow a whole nother series an extra steps to dispute the transaction that I had already called in for this is a separate complaint in regard solely to the issue of a {$22.00} charge on my secured card that was not authorized nor did fifth third Bank accept and honor the disputed transaction so after being forced to close the account due to the continued customer service the funds were never released back to me and never honored back as a disputed transaction
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I have previously filed with CFPB. The file was closed based on the company 's response which I feel is inadequate. When I spoke to the lady that called from the Office of the President of the bank she asked for my mother 's social security number. She put the number in her computer and said that they have no record of her. She said that they only keep records for so long and then they are escheated. I have already checked with the Ohio unclaimed funds and there are no funds listed for my mother. This is the information as I provided it in my original complaint along with my feedback upon receiving the company 's response. >>>My mother had a IRA Certificate of Deposit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio. ( XXXX XXXX XXXX XXXX XXXX ) ( Account XXXX XXXX ) She passed away some time ago and I am having trouble locating the whereabouts of her now matured CD. Can you help me? I filed a complaint through the FDIC and they sent it on to you. Your file number is XXXX which is now closed based on the company 's response which I feel is insufficient.The company that held the account after they acquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio is Fifth Third Bank in XXXX, Ohio. The bank Presidents ' secretary contacted me and entered my mother 's Social Security number into her computer. She said that they have no record of my mother 's accounts. This IRA CD that I am looking for was opened in XXXX and did not mature until XXXX. When my mother passed away in XXXX that IRA CD was still listed in her assets so I know that she did not cash it in. My sister and I have searched our records and we do not have any information to support that we cashed it in. Including tax records fro XXXX until now. I want a further search of their records to find that account. Surely they have micro fiche from that time period! That is too much money, {$17000.00} + to let just slip away!!! <<< Further, I still have the letter that we sent to XXXX XXXX XXXX on XXXX XX/XX/XXXX that referenced my mother 's passing and our intent to deplete the account by XX/XX/XXXX. That letter had our full names and addresses and was signature certified. We were never contacted regarding anything about the account. Again - I want a further search of their records to find that account. Surely they have micro fiche from that time period! That is too much money, {$17000.00} + to let just slip away!!!
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Two Issues with Fifth Third Bank. 1st. No one could answer me with getting an updated interest rate due to being charged a higher rate due to my nationality and skin color. ( I received a settlement in XXXX for this with FIFTH THIRD BANK.. ) 2nd. Car was repossessed over the interest rate issue and non payment on my part. I paid {$1800.00} in XX/XX/XXXX, to get the car back and paid ahead two months I was told. So I was told the {$1800.00} would cover the {$480.00} repo fee and the rest of XXXX payment as well as XXXX and XXXX of XXXX. I spoke to 2 different people in the last two weeks and Fifth Third bank is stating that I owe for XX/XX/XXXX now and trying to charge me the REPO FEE OF {$480.00} AGAIN. XX/XX/XXXX I tried to get a manger on the line and they noted I had to be sent to the collections department as they are different, I could only leave a message when I was transfered. And now my car payment is late and I was told in XXXX I would be all set with payments till XX/XX/XXXX. The customer service has been poor and it seems no one is willing to help re adjust the payment of {$1800.00} that was taken in XX/XX/XXXX.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A