Date Received: 2019-07-23
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Creditor did not provide in accordance with the regulations of the Bureau, TILA disclosures in obligor 's rights of rescission and appropriate forms H8 for the Obligor to exercise right to rescind. The Creditor was contacted by me stated they are not familiar with T.I.L.A. Please assist in having Creditor uphold the T.I.L.A requirements.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a secured credit card with Fifth Third Bank up until XX/XX/XXXX of last year for whatever reason after making my payment they did not posted to my account XXXX Dad closed my account and kept my {$300.00} security deposit they claimed it covered the fees and close the account and I thought all was good. Then in XX/XX/XXXX I noticed it was reporting late on my credit report and there were fees associated I went through all three credit bureaus and disputed this I later received a letter from Fifth Third and the credit bureau saying that the account was corrected which at the time it was now here we are six months later and they claim over {$300.00} in fees keep in mind this is an account that was secured with my own money not borrowing Theres they made up all these fees and they refuse to do anything about it while they continue to report negatively to my credit on a secured card that was my own money. I have tried multiple times to talk to them with no help what so ever this needs to be removed and closed as these are false charges that fifth third made up as they seem to do often!
Company Response:
State: OH
Zip: 45356
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX This company hung up on me when I returned the call they left on my elderly family members answering machine. When I asked for information on the debt to be emailed to me, their representative " XXXX '' asked if I realized that requesting that information was an admission of guilt!! Preposterous!!! I have requested this and they have my address and email address and have not received it.
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2019, I opened a checking account on Fifth Third Bank using a promotion code I received from the bank on my email. This account was opened in the branch located at XXXX XXXX XXXX, XXXX IL XXXX. The personal banker that assisted my was XXXX XXXX. The promo code I used has the following description : " {$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/19, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. '' I provided this code to the personal banker that opened my account. On XX/XX/2019, I reached a balance of more than {$500.00}, which is one of the requirements for the promo code. Also, I maintained a balance of more than {$500.00} for the 60 following days. According to the mail I received from the bank, I should have received the bonus by now. I have called the consumer support team of my bank, but they havent been able to solve my complaint. I have also tried calling directly to the branch where I opened my account as well as the personal banker that assisted me to open the account, but haven't got any answer.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: RE : Fifth Third Bank XXXX XXXX XXXX XXXX, OH XXXX RE : To remove inaccurate information on my credit report To Whom It May Concern I obtain a copy of my credit report and found the following to be and error. Please provide me with proof that I consent to this inquires baring my signature. The following inquires needs to be removed immediately : Creditor Name : Fifth Third bank Creditor Date of inquires : Date : XX/XX/2018 Date : XX/XX/2018 XXXX
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2019-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom this may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless U have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. I would appreciate your immediate attention to this matter.Kindly forward me documentation that you have had the inquiry removed. Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report`. I thank you in advance for your cooperation and hope to hear from you soon.
Company Response:
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2019-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I tried to open a savings account with a credit union but was blocked due to a XXXX XXXX charge-off from Fifth Third Bank saying I owe {$140.00}. I have never had an account with Fifth Third Bank. In the past few years up till XXXX, I have had multiple credit checks without this issue being flagged. I have had first-time homeowner counseling with a HUD-approved non-profit in early XXXX and this issue was never flagged. In the past month, Fifth Third bought out MB Financial, which my parents had an account with in the past but their account was closed in 2014 and they paid any balance owed. I have never had an MB Financial account. Fifth Third Bank is claiming a balance on an account that never existed and is not giving me documentation saying that I do not owe them the amount.
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had a home equity loan ( $ XXXX ) with MbFinancial. Approx. 3-4 months ago I received a letter informing me that MbFinancial had been taken over by FifthThirdBank ( 53.com ) and was given information on where to now send my payments to FifthThird Bank . I have made payments to FifthThird Bank since XX/XX/2019. I own a commercial building as well. I am in the process of remodeling the building and was seeking a loan from another lender ( $ XXXX ) to finance the improvements. I was notified today ( XX/XX/2019 ) that the lender would be unable to approve the loan because my credit report indicated that I have two ( 2 ) home mortgages for XXXX, not 1 mortgage as I reported on my credit application to them. I was shocked to hear this and immediately logged onto my credit monitoring service, and sure enough, it shows that I have a XXXX loan with MbFinancial AND now ANOTHER XXXX loan with FifthThird Bank, not 1 mortgage that FifthThird Bank took over. I immediately called FifthThird Bank to complain about the credit reporting error and asked for immediate correction due to the time-sensitive nature of securing the new loan. I was told I would be mailed a letter sometime in XX/XX/XXXX. I complained that this was unacceptable due to the time-sensitive nature of securing the new loan, scheduling contractors, etc. I asked that they email me a letter immediately explaining the situation and to correct THEIR error, so I could provide that information to my new lender. I was told that FifthThird Bank was unable to email such a letter and that I would be receiving the letter by regular mail sometime in August. I again complained that this was unacceptable and was offered to speak to a supervisor. The supervisor reiterated their inability to send a letter or correct my credit report any sooner. I asked what other recourse I had with FifthThird Bank and what governmental oversight agency I could complain too. I was offered the FifthThird Bank president 's regular mailing address to send him a complaint letter ( They would not provide his email or telephone number ) or I could telephone their Customer Service Dept. I AGAIN explained that the situation was time-sensitive, and sending a complaint letter to their president via snail mail wasn't sufficient, and further, why/what good would me calling their customer service department to complain do? I was already communicating my issue/complaint to a supervisor. When I asked what governmental agency oversaw their mortgage department, I was told the FDIC. I suggested that the FDIC oversaw banking issues, not mortgages or credit reporting and was told, " oh, you're probably right '', call the FHA. I replied, I don't have an FHA loan, and asked if they actually knew which agency oversaw/regulated them or was the supervisor I was speaking with simply googling ( I could hear her typing ) to find out. She admitted she didn't know and was trying to XXXX the answer. I was given this case number to reference # XXXX. What is the requirement for mortgage lenders to update their credit reporting when they take over an existing loan? Why would they report the loan under their name to the credit bureau without first, or at least simultaneously removing the prior lender? What is my recourse for damages if my request for an additional loan/credit is denied because of the duplicate reporting of my home mortgage? Should mortgage lenders know what governmental agency oversees/regulates their activities, and should they be able to provide that information to their customers? What is the expected time allowance/frame for a lender to correct such egregious credit reporting errors, especially such as this, which can have detrimental financial consequences on the consumer? Thank you.
Company Response:
State: CA
Zip: 92008
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had an auto loan with Fifth Third bank. A repo occurred in XXXX or XXXX of XXXX. XXXX and XXXX are still reporting " Redeemed Repossession '' under the comment columns. At the end of XXXX, I've disputed with XXXX and XXXX to remove the comment, but they are unable to see/understand what section I'm referring to. I have also contacted Fifth Third in XX/XX/XXXX. I received a response that the credit reporting is accurate. Once again, because they are not referencing the Comment section.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In error, I submitted a payment to XXXX XXXX through my bank, Fifth Third. I contacted XXXX XXXX less than 30 mins after the payment was made. XXXX XXXX was unable to stop the payment as it had not posted, they suggested I contact my bank. I reached out to Fifth Third who said they were unable to stop the payment. This has an internal case number of XXXX. After escalating this to a supervisor, they finally offered to put a stop payment in place for a fee of {$33.00} with no guarantee that the payment would be stopped. This was only less than an hour after I had input the payment. It is inconceivable that a bank as large as this is unable to assist with what is a simple request given the very short time from notification of my error. If my account becomes overdrawn, I am responsible for any overdrafts that might occur even with my request to stop only 1 hour after the payment request was input.
Company Response:
State: FL
Zip: 34683
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A