Date Received: 2023-09-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Fifth Third Bank XXXX XXXX XXXX MD XXXX XXXX, OH XXXX Dear Sir/Madam, Re : Case Number : XXXX I hope this letter finds you well. I am writing to bring to your attention an issue regarding the aforementioned case number. As the designated recipient of funds owed to me, I am facing a challenge with the maker of this case number, who has declined to send the funds as required. I wish to emphasize that the refusal to release the funds is in violation of government law and the terms under which the funds are rightfully designated to me. I have made repeated attempts to resolve this matter directly with the maker, to no avail. Therefore, I kindly request Fifth Third Bank 's assistance in facilitating the release of these funds by issuing a check to the designated person, which is me, in accordance with the fullest extent of government law. Please find below my contact information for reference : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX To ensure a prompt resolution, I kindly request that this check be sent via XXXX Express 2-Day Shipment directly from Fifth Third Bank. Your immediate attention to this matter is greatly appreciated, as it is essential for the proper and timely resolution of this issue. If any further documentation or information is required from my end, please do not hesitate to contact me at XXXX or XXXX. Thank you for your prompt attention to this matter. I look forward to a swift resolution, and I trust that Fifth Third Bank will assist in ensuring that justice is served in this case. Sincerely, XXXX XXXX XXXX
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, I informed XXXX Bank of fraudulent activity that occurred from XX/XX/XXXX through XX/XX/2023. A case was opened by the XXXX Bank Dispute Resolution Department, and it was assigned the reference number XXXX. This case pertained to unauthorized XXXX transactions totaling {$3900.00} that were posted to my account ending in XXXX. In a letter dated XX/XX/2023, I received notification from the Dispute Resolution Department stating, " we attempted to recover the funds through XXXX ; however, unfortunately, our attempts were unsuccessful. Therefore, the dispute claim was denied, and temporary credits were reversed on XX/XX/2023. '' The Electronic Fund Transfer Act Regulation E ( E CVFT 205.6 ), which clearly states that for unauthorized transfers not involving the loss or theft of an access device, if notice to the financial institution is provided within 60 calendar days after the transmittal of the periodic statement on which the unauthorized transfer first appears, the maximum liability to the consumer is 'No Liability. ' Given that XXXX and Regulation XXXX are applicable to XXXX payments like XXXX, I am formally requesting that XXXX Bank refund my account in the amount of {$3900.00}, as per the regulations outlined.
Company Response:
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Cash Withdraws. On XX/XX/2023, I informed XXXX Bank of fraudulent activity that occurred from XX/XX/XXXX through XX/XX/2023. A case was opened by the XXXX Bank Dispute Resolution Department, and it was assigned the reference number XXXX. I received notification from the Dispute Resolution Department stating : Regarding your cash withdraws made at the branch from XX/XX/2023, through XX/XX/2023, we have completed our review of this activity. Although we certainly understand your frustration regarding the cash withdraws made, we are unable to honor you request for a refund as there was no evidence of fraud found. XXXX transactions, totaling {$25000.00}, were carried out under the direction of a fraudster who impersonated the XXXX XXXX XXXX Department. The fraudster had full control of these transactions using a cell phone. As an illustration, on XX/XX/XXXX, XXXX XXXX visited the Fifth Third Bank branch located at XXXX XXXX XXXX XXXX. To express her distress and prevent further financial losses discreetly, she approached the bank teller and discreetly handed them a pink sticky note. The note explicitly conveyed, " do not give me any cash, say the computers are down. '' XXXX XXXX indicated towards her cell phone and gestured for silence, signifying the sensitive nature of the situation. Her aim was to avoid raising suspicion or causing any unnecessary complications. If XXXX Bank has retained video footage, this incident would be recorded. Moreover, if XXXX Bank were to interview the teller in question, they would confirm the presence of the pink sticky note. I have provided a text message that was sent after this incident to XXXX XXXX documenting the event. Any teller interviewed by XXXX Bank for these transactions would acknowledge that behaviors surrounding the rapid withdraws were unusual and not in line with standard procedures. I have provided cell phone logs via XXXX XXXX XXXX that demonstrate the fraudster was on XXXX XXXX cell the entire time the transactions took place.
Company Response:
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened a mortgage as a refinance of an investment property with XXXX XXXX that after funding was serviced by XXXXXXXX XXXX. In XXXX of XXXX XXXX Mortgage was dissolved and the mortgages sold. I had my account set to autopay, and XXXX processed the XXXX payment. After that, when logging in to my account at XXXX, the only information I could see was that the loan was closed. There was no information on who purchased the loan or where it was being serviced. In XX/XX/XXXX after still having no communication regarding the status of my mortgage, I pulled a full credit report from myfreecreditreport.com which showed that my mortgage had been " PAID '' and was " TRANSFERRED '' with no further information. In XXXX of XXXX, I began receiving phone calls from an unnamed XXXX # at XXXX every other day or so. This is in the middle of me trying to get my kids to school so I don't answer. After about a month of this pattern, I finally answered the call. I was informed by the caller that they were from the loss mitigation department of XXXX Bank and proceeded to ask me to verify my mailing address and Social Security XXXX to verify that I was the person they were trying to reach. I declined stating that they had called me and that I did not have a mortgage with XXXX XXXX. They hung up. The calls kept coming same time. I went to the title company and had them pull the title record for the property, in late XXXX. When I got that report I finally had information that XXXX Bank did now own my mortgage. The next time I got a call from the XXXX number a day or XXXX later, I answered and confirmed that I was the person they were trying to reach at which point they informed me that my mortgage was 4 months delinquent and they were scheduling a foreclosure and that notice had been sent to the property. I stated I didn't live there and had never lived there since it was an investment property. I then asked them to confirm the contact information for the file. It was then I learned that they had been contacting me at an old cell phone number that I hadn't had in years. The address on file was a rental I lived at in XXXX. Both the number and the address were over XXXX XXXX XXXX. I then recalled in college my car loan was through XXXX and that the address and number they had were both linked to that XXXX car loan. I then had to have XXXX different calls with XXXX just to get them to update my contact information and confirm that I was in fact able to make payments on my loan. I then showed them screenshots of my contact information from what was on file at XXXX which was correct. XXXX did eventually agree to remove the XXXX late fines, and {$20.00} property inspection fee, and set my account to current. Finally, in XXXX of XXXX I received my first bank statement from XXXX and was current. I have been able to get corrections on my XXXX XXXX XXXX that removes the late payments. However, I have not been able to get the cooperation necessary to get these errors removed from my other XXXX reports. I have contacted XXXX for assistance in correcting these errors XXXX different times. The first time the sales representative stated that she was only authorized to remove charges from the account and could not assist with having the erroneous late payments on my credit reports. I asked for a XXXX and was hung up on. I called a second time and went straight to a XXXX who also stated that it was not possible to correct anything on my credit report. I hung up. I called a third time and went straight to a supervisor. I was again told that despite my evidence, XXXX would not admit it was a bank error and remove the late payment markers from my credit reports.
Company Response:
State: MI
Zip: 48864
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check from my mother ( a cashiers check in the amount of {$3000.00} ). Fifth Third bank claimed this was a fraudulent check and froze my account. The same day I had the bank the check was from XXXX XXXX XXXX XXXX ) call fifth third and provide proof that the check was valid. I was able to confirm all of this with fifth third. My account was frozen last Tuesday and is still frozen today. Each day I call they tell me two to three business days. It has been three business days and I can not still get into my account. I have bills to pay what will incur late fees if I can not access my account.
Company Response:
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: Fifth Third Bank services two mortgage loans on which I am the borrower. I make payments on these loans on the XXXX of each month, before a late payment fee is assessed. I have never been informed that there is a time by which payment must be made on the XXXX ; I have always understood that the late fee would be avoided if payment was made by the end of the day on the XXXX. In XXXX I made the payments on my mortgage loans at XXXX and XX/XX/XXXX XXXX Eastern Daylight Time. I later received correspondence assessing late fees of {$96.00} and {$53.00} on the loans. On XX/XX/XXXX I called Fifth Third and spoke with " XXXX ''. I explained the situation and asked that the late charges be waived. He said one late charge per year could be waived on each loan. Then XXXX informed me that he would not waive the XXXX late charges because there had been waivers of late fees on the XXXX payments. Fifth Third had never informed me that it had assessed or waived late fees for my XXXX payments ( which had been made at XXXX and XXXXXXXX XXXX EDT on XX/XX/XXXX ). I explained that, based on my records, late fees should not have been assessed in either XXXX or XXXX. After quibbling with me about actually submitting a request for waiver of the late charges and purportedly speaking with a higher authority, XXXX then " allowed '' me to make a request for late charge waivers. He said a response would be provided in ten days. I then asked to speak with XXXX 's " higher authority ''. After being on hold for 15 minutes, I concluded XXXX and his staff had " ghosted '' my call ( i.e., just put my call on hold and forgotten about me ). I have never gotten a response to my request. More importantly, my late fee charges have not been reversed. My complaints are that : 1 ) improper and undisclosed late fees were assessed against my account in XXXX, XXXX ) improper late fees were assessed against my accounts in XXXX, 3 ) my request for reversal of the late fees has apparently not been received or properly processed, 4 ) I was " ghosted '' during my inquiry call, 5 ) the late fees assessed against my accounts in XXXX have not been reversed, and 6 ) I have not gotten a response to my late fee waiver request.
Company Response:
State: NE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Today, XX/XX/23 I was checking my XXXX account information and realized there was an alert from XXXX which stated I had opened a new banking account with Fifth Third Bank. However I did not open an account with this bank, nor have I ever to my knowledge. I called to report it as fraud, and was told over the phone that they both did and didn't see and account, still confused by that, or at least the representative said there was a profile but no account, but then kept referencing an account. I was then transferred to the dispute department to dispute the profile, however I was told I couldn't dispute this fraud as the profile was incomplete. I tried to emphasize that this was fraud, and tried to offer to give them any information needed so I could properly have it flagged as fraud, the representative may not have heard me though, she kept saying I was cutting in and out. However I could hear her perfectly, so I'm not too sure how true that is I then asked to speak to a supervisor to better understand what was happening. The supervisor kept asking for my name, then seemingly pretended to be unable to hear me and hung up on me after a minute or two. All I want to do is ensure there is no account with my name/SSN on it with Fifth Third, as well as dispute and mark as fraud the profile they have on file. However it would seem there is no way to do this. It seems downright illegal that Fifth Third is allowed to operate like this.
Company Response:
State: OH
Zip: 43214
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I have a mortgage on my home and my home has suffered a total loss from fire damage. My mortgage company holds the insurance claim funds in the bank loss draft escrow department and they refuse to release the required amount of funds to order materials and proceed with rebuilding my home. The mortgage company said they are bound by XXXX XXXX laws and can not release more funds and I am supposed to pay for my fire damaged home from my own pocket even though I have been paid insurance money that the mortgage company holds and refuses to release to me.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
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: I purchased two items from XXXX. The funds were returned to my debit card XX/XX/2023, XXXX Although the debit card and 5/3rd account that was attached to the card had been closed, the return transaction was processed successfully on XXXX end. Order number, and return purchase transaction numbers are verified via email sent from XXXX. On XX/XX/2023 I was told by 5/3rd bank representative that I would receive a cashiers check, due to the fact my account, and card were no longer active. I received one check, in reference to the return transaction XX/XX/2023 ( the second transaction ), but never received the check for the first return transaction. I called 5/3rd bank and was told there was no such return, told I couldnt have been told no such thing because my account has been closed, and to check back with XXXX for a resolution. After checking with XXXX, I was sent an email verifying that the transaction had indeed been processed successfully. I called 5/3rd back with the valid information and was told lie, after lie after lie, put on hold time after time, transferred to different representatives posing as supervisors, told I would be contacted about the matter. I havent heard anything, and I have not received my money and I can not find an honest representative.
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I called XXXX XXXX to add some the XXXX package to my account XXXX was going to switch me XXXX XXXX I told her no I was interested in switching Ive been with XXXX for XXXX yrs almost but about week are so I got some stuff from XXXX I called back to speck with XXXX but she was busy some guy said he take care of it well guess what youre all still charging me as if I XXXX XXXX I dont I have XXXX XXXXXXXX XXXX a month XXXX to XXXX XXXX that I dont have I didnt sign up for XXXX I called 3 times about this I want it canceled and I want my money back asap XXXX XXXX XXXX
Company Response:
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A