Date Received: 2019-08-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Fifth third bank kept my funds and allowed fraudulent activity to go on into in my account. My credit card payment was negatively impacted due to fifth thirds negligence which impacted my credit score dramatically. Fifth third bank agreed to release my funds several times via telephone. Then refused at the last minute. Causing financial burden fifth third bank did not close my savings and checking accounts when I demanded due to fraudulent activity.
Company Response:
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
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: Fifth & Third Bank which whom has my mortgage isn't reporting payment history nor current payments that is applied to the account isn't inquiring to the 3 major credit bureau XXXX,.XXXX, XXXX. Need your help please to resolve this issues.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Years ago, I closed my checkings and saving account with 5/3rd Bank and thought nothing more of it. Approximately 3 years later, in XXXX, I received a call from a collections agency, XXXX XXXX XXXX XXXX XXXX, that informed me of a debt I had unknowingly incurred after a payment posted to my aforementioned checking account that was closed. After calling 5/3rd and learning that both the debt was legitimate and that it had been sold to a debt collections agency after 5/3rd lost contact with me ( my phone number had changed ). On XX/XX/XXXX I settled with XXXX XXXX XXXX, XXXX for the amount of {$380.00} and obtained documentation proving as much. In subsequent years I would occasionally receive calls from other collection agencies inquiring about my 5/3rd debt, to which I would then showcase my settlement letter and they would go away. Fast forward to last month ( XX/XX/XXXX ). I got another call from a collector, name unknown to this day, who, as usual, threatened me with a subpoena. I then went through my usual routine of providing them with my settlement letter, having been given an email address to send documents to : XXXX. This email address didnt work, having received a " return to sender '' email, so I called them back. They gave me a different but similar email address : XXXX. I tried that and got the same " return to sender '' email even after calling back AGAIN and them issuing me the same email address. After further investigation, I noticed that in the first email, I had spelled satisfaction incorrectly in the address. So, in theory, that explains that however, I called and stated that I couldn't get an email to go through to them and the person I talked to stated that if I emailed again they would take me to court for harassment. I responded by inquiring how they got my emails if I had gotten three separate " return to sender '' email for every address they had given me. He denied having the problem so I asked whether there were any attachments to said emails, to which he replied " yes '' and that the processing dept would review them and I would hear back in a week. A month elapses and I hear nothing. Having been told I would hear back in follow up but never did, I decided to call to check on the status. Calling the phone number that first called me, XXXX XXXX XXXX XXXX, I was told that the status of my account was " Refusal to Pay '' and that the company in question was in the process of drafting a subpoena for me. This was confusing as I had shown the company my settlement letter that had been accepted by at least ten other collections agencies, until this one.I stated as much over the phone. At this point I don't know what to do and I fear that a serious scammer has my information.
Company Response:
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
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 XXXX at XXXX XXXX I called 5/3rd customer service number to discuss inaccuracies on my credit report. I spoke to a wonderful agent rep named XXXX her employee number is XXXX. I informed XXXX that I was reviewing my credit report and I saw some inaccurate info on my credit profile and I was calling to hopefully get a resolution. I informed her that I originally fell behind because my statement always came late. I told her I called in the past ( XXXX ) to get the fees removed because I could not afford the minimum with the late fees and other penalties. I called 5/3 several times and MULTIPLE agents told me that they could not help because my account was not delinquent enough. She agreed that was there business rule. I confirmed my current address ( XXXX XXXX XXXX XXXX, XXXX GA XXXX ) and she said that was the address on file. I advised her to look at my statements and she confirmed that the address on the statement was my previous address of XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX said she would have to do some digging about to why my statements have the wrong address. XXXX also saw that a change of address was submitted on XX/XX/XXXX. I moved to that address on XX/XX/XXXX. I sent enrolled this account to XXXX XXXX in XX/XX/XXXX and she confirmed that 5/3rd set me up for credit consulting in their system on XX/XX/XXXX. I informed her that I simply want all they negative remarks removed from my account. Today on XXXX XXXX returned called back to provide me an update and she said that she 5/3rd would not update the remarks on my Credit File because statements are not required they are a " courtesy ''. I informed her that according to the Fair credit act you are suppose to get a statement. She said 5/3 said no, it a courtesy. She encouraged me to dispute if I feel that 5/3rd is not reporting correctly. I still have late marks from late last year after I was approved for the program. They are not reporting correctly.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Deed of Trust ( Page 5, Funds for Escrow Items ) nowhere mentions that Original LTV ( not LTV ) must me < 80 % for closing escrow account ( attaching FYI ). My property LTV < 80 % : -as per XXXX county appraisal ( for 2019 Property tax ) - Mortgage appraisal done by you for which I paid out of pocket The purpose of paying {$600.00} for mortgage company 's appraisal recently was to get away from escrow account, so I can pay single payment for my property taxes every year. You are contradicting your own letter where you were telling that escrow account can be closed if LTV < 80 % ( not original LTV, attached 53LTVLetter document FYI ). If your argument of original LTV ( not LTV ) < 80 % for closing escrow account is correct, please provide me document evidence i.e copy of escrow account disclosure. I requested for a copy of my escrow account disclosure that I signed or initialed at time of closing however even after 3 months I haven't received it neither my escrow account closed. As a customer I tried to reach them multiple times ( even tried to reach XXXX XXXX who's working on this case since 3 months ) and requested for escrow account disclosure but they never sent me a copy. Thanks, XXXX.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Fifth third bank has been charging me fees with my checking account. They were charging me {$15.00} dollars a month. When I opened the account I was not informed that their was a monthly balance.I also read the terms for the offer and it does not have a minimum balance requirement ( see below ) I also went to the branch today with my paperwork demonstrating I was a student. The account was changed to a free checking account. The employee kept telling me that I should have been able to open a student account. Fifth Third has been given me a problem with honoring the {$250.00} credit that I was suppose to be given. Today I was informed that a manager would listen to the call to see if im eligible for the credit. I have reported 53rd to the XXXX but have not heard from them. I have attached my enrollment agreement. My school was XXXX but it then became XXXX XXXX XXXX XXXX. So I should have never been charged fees because if your a student then you dont have to pay fees. That would also keep my balance at {$500.00} for the 60 days. I also think that if 53rd is going to be giving its customers a problem to issue the credit that they should stop offering it. What their doing is misrepresentation and misleading to customers To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, or Free ( where available ) checking account by XX/XX/XXXX, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. 3 Your {$250.00} bonus will be deposited to this account within 10 business days of completing qualifying activity requirements. Download the App XXXX XXXX XXXX XXXX XXXX {$250.00} Cash Bonus Offer To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/XXXX, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements. In order to receive the cash bonus, your checking account must be open and in good standing. Offer is not available to existing Fifth Third checking customers or to those with a Fifth Third Checking account that has been closed within the last 12 months. Bank reserves the right to limit each customer to one new account-related gift incentive per calendar year. Account must be funded within 45 days of opening. No minimum deposit required to open a checking account. Checking accounts may have fees that may reduce earnings and impact ability to meet minimum daily balance requirements. Bonus may be taxable as interest income and reported on IRS Form 1099-INT. Consult your tax adviser. See your banker for details. Not valid with any other offer. Enhanced Checking is an interest-bearing checking account and all balances earn 0.01 % Annual Percentage Yield ( APY ). Preferred Checking is an interest-bearing checking account and all balances earn 0.10 % APY. APYs are accurate as of XX/XX/XXXX and are subject to change at any time. Fifth Third Bank, Member FDIC. Email Security Information Email Privacy | Customer Service This email was intended for : XXXX Security and confidentiality of your personal information is one of our highest priorities. We will never request that you provide, update or verify via email your personal or account information, including passwords, Social Security Number and PIN ( s ). If you receive such an email request, please email us at XXXX immediately.
Company Response:
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My wife and I refinanced our home in XX/XX/XXXX with XXXX XXXXXXXX XXXX ; MB Bank bought the mortgage and 5th/3rd Bank merged with MB Bank. We were monitoring when we would have the mortgage insurance removed for years. MB Bank told us it would be removed in XX/XX/XXXX. A few months before this date 5th/3rd Bank sent us information telling us they were the new mortgage holder. We contacted 5th/3rd to have the PMI ( mortgage Insurance ) removed by XX/XX/XXXX and continued paying the same premium, as we were told by 5th/3rd Bank, to not cause a default. We were told the excess money of approximately {$63.00} would be returned. We spoke again and were told they would get this information right in and we would hear something in writing in 10 days. After paying XX/XX/XXXX 's premium we contacted 5th/3rd Bank again and were told it was denied because we had to have a loan equity ratio of 78 % and our ratio was 78.5 %. We spoke with a supervisor that told us this was based on an appraisal of {$170000.00} made in XX/XX/XXXX, and that no new appraisals are being accepted. I had an appraisal today XX/XX/XXXX of {$190000.00}. This appraisal was done without them knowing about the new roof in XX/XX/XXXX, total remodeled bathroom and granite countertops in the kitchen. If I put my house up for sale I would ask {$190000.00}. The numbers are ambiguous, its not right and the PMI should be removed. I have inclosed the original closing document showing the mortgage insurance of {$74.00}
Company Response:
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX XXXX, my brother 's telephone received the following text. The lady identified herself as XXXX XXXX and left a voice message sounding as if I was in big trouble and committed a crime, so I called the number XXXX XXXX XXXX and a man answered with Hi this is XXXX. I asked who he was, he said XXXX XXXX with XXXX or something, then he said Civil Arbitration something, I was nervous. He went thru a spill about me, that I had a Fifth 3rd bank account go overdrawn, it was back in XXXX. And how I could be charged with fraud and gave me several options. Again I was nervous so I ended up giving my credit card number and agreed to pay {$100.00} a month until paid in full. After the call I spoke with Fifth Third Bank, the lady said this did not sound right to her, a lawyer and he suggested canceling the card as did a few other people. I canceled the card, Then they sent me the XXXX Payment Email, So I did. Today I contacted CFPB. Thanks for being there! Text we received minus our names, New Voicemail Message from Unknown Number " Hello this message is solely intended for. My name is XXXX XXXX I'm contacting you in regards to a service of your legal documentation that I have received from you in my office. I'm contacting you in regards to the service of your legal documentation that I have received for you in my office. I have been schedule to make an appearance to either your residence or place of employment tomorrow XX/XX/XXXX between XXXX and XXXX XXXX. If I'm unable to get a signature on your documentation it will be recorded as a direct refusal to comply on your behalf in the process will continue without you being that this-is (? ) a time sensitive matter that is .... '' - XXXX Mailbox has a new voice message from Unknown Caller ( Unknown Number ). Length : 66 seconds Received on : XX/XX/XXXX XXXX ( EDT )
Company Response:
State: NC
Zip: 28379
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I used my debit card fine to purchase lunch today went back to work, finished my shift. Went to get a hair cut and my card was declined after I had received the hair cut. Called Fifth Third Bank and they were very secretive and asked me a ton of verifying questions. Not normal. I explained my car was declined and asked why cause I know I had at least {$900.00} in my checking account. They could not tell me anything. The team that suspended my account had gone home for the day and it was only XXXX EST. They couldn't do anything to help me or help me understand what was going on. I'm left here with no money and no reasoning to even give this business why I can't pay for the service they just gave me which is beyond embarrassing. You'd think a bank that you give your money to and trust would at least give you some sort of notice like a text, email or phone call before making a change like this. Also to maybe call me before making this change and work out whatever the issue is rather than turn it off and then go home for the day. This is beyond stressful as I can only hope this doesn't last more than a day otherwise how am I supposed to pay my bills. I have all my money in that checking account and my direct deposit goes there. My rent comes out next week. Lost all trust here.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have contacted 5/3 bank every month for the last 3 months about 2 charges that are being automatically paid out of my account that is not set up to be a recurring automatic payment. One is for {$300.00} the other is {$550.00}. The first month I contacted 53, I was told they dont see the automatic payments set up on there end nor do they see it on my end. We chalked it up as a glitch. The next month I contacted 53, I was told they would send my account to a special department to look into why this is happening. No one ever contacted me. The final time which is as of yesterday, I have a XXXX balance in my account. I contacted 53 today and was on the line for an hour and half speaking to representatives and finally a Supervisor by the name of XXXX. XXXX stated the only thing they can do is Credit the fees they charged back to me but I would have to try to get my money back from who the bank paid without my authorization. I asked, So youre telling me my bank sent my money to places I didnt authorize and now Im have to try to get my money back from where XX/XX/XXXXbank sent my money without my permission? Her response was yes. She said she tried to see if there was something they could do but the bank cant pull the money bank after its been paid. I stated but I didnt tell you to use my money. she stated she knows it was there error but there is nothing she can do. I would have to contact who they sent the money to and TRY to get the money back. I am confused as to how the bank can use my funds without my authority and then tell me I have to TRY to get MY money back, although the BANK made the error?
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A