Date Received: 2019-02-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third mandates I pay an escrow even though Fifth Third has failed to pay for my homeowner 's annual insurance premium. Fifth Third now acknowledges my homeowners is with XXXX XXXX and acknowledges the correct premium dollar amount of {$900.00}. However, Fifth Third has the payment due to XXXX XXXX in XX/XX/XXXX when the actual date the annual premium is due is XX/XX/XXXX. I have attached two items from XXXX XXXX showing the premium is due in XXXX. Fifth Third did not pay the premium in XX/XX/XXXX. I was forced to make the payment or be lapse in my homeowners insurance. I thank Fifth Third for their letter dated XX/XX/XXXX detailing my starting escrow balance of {$1000.00}. My required escrow balance is {$1000.00}. I already have {$33.00} excess in my escrow balance and Fifth Third is forcing me to pay escrow for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX or an eight additional months.
Company Response:
State: WV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Myself, along with my mother, my father and husband were called repeatedly from " unknown '' and " No Caller ID '' numbers on XX/XX/XXXX around XXXX CST. A voicemail was left with each of us from a XXXX XXXX from The XXXX XXXX in California requesting that I call back immediately as I have a balance owed through their firm for a Fifth Third bank account that has been closed out years ago. I was told that I would be served papers on XX/XX/XXXX and that they would not stop until I paid them. My husband was threatened that they would serve me papers and continue calling until I paid the balance due. The woman my husband spoke to when returning the voicemail that was left had a horrible attitude when pressed about who she is, what company she works for and her contact information. He spoke to a woman who would not state her name, but said that her boss 's name is XXXX XXXX. This exact situation occurred XX/XX/XXXX from the same XXXX XXXX, but it was a firm working out of Texas. They threatened to serve me papers over an amount owed ( more than what the bank account closed out and settled for ). I asked for an email and contact information to send proof of the bank account being closed and I was hung up on and never called again. But now myself and my family are being harassed by these scammers again.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: During the XXXX XXXX XXXX, I called the 53 bank ( www.53.com ) about my loan and said I will be unable to make payment. They agreed that it will be taking care of. But the second month into the XXXX XXXX, I got an alert from all major credit report bureaus about a 30 delinquency. I call 53 bank and they told me that they can't do anything about it and I should file a complaint to FTC ( www.ftc.gov ). As I tried to make my complaint to FTC, I was directed to CFPB.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Identity theft protection or other monitoring services
Subissue: Problem with product or service terms changing
Consumer Complaint: The first problem occur in XXXX, XXXX. I was told by a representative that there will be no fees for getting a paper statement. I receive a email that a fee for a paper statement may be charge. The second problem occur in XXXX, XXXX. I tried to dispute a transaction by phone regarding a charge that XXXX approve without my knowledge or any kind of notification. I could not dispute the charge online and that is why I made a call to XXXX. I needed a password to dispute the charge. I had forgotten my password and was told that I should go to my nearest branch to file a dispute. I am a senior citizen and can't get to one of the branches. So I had to call the merchant that submitted the charge. The third problem occur in XXXX, XXXX. XXXX change my address to a address in Florida without my knowledge again. They said the error was made by an employee. And the final one occur in XXXX, XXXX reported to the credit bureau about an over charge of {$11.00} over my credit limited. Why would XXXX report this? They are the one to approve this transaction and it should not have been approved. I have sent numerous messages without any outcome.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened a 5/3 XXXX credit card on XX/XX/XXXX which gave me 0 % interest on initial balance transfers and purchases for 12 months. I have made multiple payments during billing cycles on several occasions and the account is in good standing with no late payments or fraudulent activity. Upon logging on XX/XX/XXXX to make a payment my account was inaccessible. I contacted costumer service and after talking to the fourth representative I was told that the account was closed and the credit card was revoked on XX/XX/XXXX due to potential fraud for all users of this card type in California. I have automatic payments set up on this credit card and have made all of my payments online through the internet banking portal, these have now been deactivated and I am now required to make payments over the phone or through mail. I am also not able to make purchases for the remaining three and half months I have left at the 0 % interest rate.
Company Response:
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Upon calling today to verify a fee reversal that could not take place until a merchant refunded funds ; I spoke with an agent who alleged i could not get any fee reversals for courtesy and that a supervisor would be calling to check the call i made when i spoke with a representative and then calling me back in an hour. The supervisor never called back and finally I went into a branch to address the issue and at the time i was able to call in and have the customer service people fix the issue. I got a call appx XXXX XXXX. from some XXXX rude lady who claimed to me a supervisor from XXXX who pretty much accused me of lying and begin to rant at me. When I asked her what her name was she refused to give me her name and told me since I didnt want her to help me she just flat out was going to give her name to me as she claimed to be a supervisor, I informed her that I would be closing the account as so I would not have to deal with this type of issue again. She made up some rule that i could not have any fee credits for the rest of the year. she was the XXXX most incompetent horrible person I've ever had to deal with from fifth third bank. I will be closing this account as soon as the last two transactions on this account post hopefully by tomorrow. Ridiculous XXXX customer service from a representative at number XXXX.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On the morning of XX/XX/2019, I logged into my online checking account with Fifth Third Bank to realize that I had a negative {$100.00} balance due to an overdraft charge in the amount of {$140.00}. In an effort to resolve this situation I called Fifth Third customer service, in which I was told that the {$140.00} in overdraft charge was made up of five ( 5 ) separate {$30.00} overdraft fees on my account. Further, the representative informed me that I was only able to receive two ( 2 ) credits back totaling {$60.00}, which was their company policy. Very upset by this, knowing Fifth Third was going to keep {$90.00} of my money due to the proposed resolution, I asked to speak to the representatives supervisor in which I received the same correspondence. Still not satisfied with my resolution, I asked to speak to the supervisors manager, in which I was then informed by the manager that he had the ability to give me back my credits in full but said he would not past the two totaling {$60.00}, meaning Fifth Third was keeping approximately {$88.00} of my hard earned money! I asked the manager to make a good will exception to this and refund the total {$140.00} but he impolitely refused. So, as of this complaint, I have not received any credits, was promised I would receive two credits totaling {$60.00} tomorrow, and the remaining {$88.00} will never be returned. After being on hold for over 25 minutes throughout this entire situation, I re-explained multiple times that this situation was due to a deposit/withdrawal timing issue with my account ( I recently closed my old checking account and opened up a new account approximately 3 to 4 weeks ago, in which a lot of my auto withdrawals and autopay bills needed to be re-setup ). Additionally, this issue was also due to the fact that no one ever informed me nor asked me if I wanted to be enrolled in over-draft protection. I was under the impression that I always was enrolled, but the manager told me I was not and that it was not their responsibility to do so. If I was enrolled, I would have had my savings funds available to cover the overdraft ( which I had plenty to cover at the time of this error ). To make sure no more fees take place, I have had to transfer money from my savings account to cover the balance ( making my new balance + {$97.00} ), considering the rude manager did nothing to help me and actually told me he had the ability to do so! I am extremely upset because if you look at my checking account, as of this morning ( only being a manner of a couple of hours ), the ONLY reason my account balance is negative is due to these egregious fees. A grace period or good will adjustment would have fixed this problem. I have been banking with Fifth Third for approximately 15 years and have never been treated this poorly. Further, since Fifth Third Bank has not ever asked me / enrolled me in auto-draft protection, I believe I have been treated in an unfair, deceptive, and abusive manner. This situation is honestly another situation where a Bank is taking advantage of the everyday consumer, which is NOT okay.
Company Response:
State: OH
Zip: 43206
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sold my corporate owned business on XX/XX/XXXX. My credit card processing company threatened me with {$490.00} cancellation fee, my actual processing fee of {$59.00}, {$20.00} fee, and an additional {$200.00} fine/fee. When we discussed this issue on the phone the lady I spoke with threatened me, that she would put this corporate bill on my personal credit report, basically extorting me out of my money. I paid the {$490.00} dollars even though it was not my personal debt for fear of her ruining my personal credit, which is exactly what she threatened to do. She said if you do not pay this today by XXXX I will ruin your credit score and it will drop into the 400 range and no one will ever loan you anything again. This happened on XX/XX/XXXX. I have the email of the company and of the individual that extorted a corporate bill, to use against me personally. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX
Company Response:
State: IL
Zip: 624XX
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third mandates I pay an escrow even though Fifth Third does not pay for my homeowner 's annual insurance premium. Fifth Third has performed two new escrow analysis, first time issued a check for {$1500.00} and the second time issued a check for {$480.00}. I suggest Fifth Third use the XXXX computer program and using the XXXX program will insure correct addition, subtraction, and multiplication while performing a third new escrow analysis. See attachments, one, two, three, and four. Fifth Third states they collect a two month cushion ( {$75.00} X 2 or {$150.00} ) then add the {$900.00} annual premium, apply the past payment breakdown, and then divide by months remaining until XX/XX/2019. By using the XXXX program, and adding, subtracting, and multiplying, Fifth Third has a surplus of {$450.00} in my escrow account and needs to issue a third check.
Company Response:
State: WV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Fifth Third Bank report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. Firth Third bank received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account. In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX. In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, Fifth Third Bank received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.
Company Response:
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A