Date Received: 2018-11-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Beginning on XX/XX/XXXX, I have been in contact with several individuals working with Fifth Third Bank customer service line at XXXX. The issue involves a money order that was paid in XX/XX/XXXX. All of the individuals that I have spoken with have never resolved the issues related to the money order some of their names include XXXX XXXX, Supervisor at the call center, XXXX XXXX, Personal Banker in XXXX Ohio, XXXX XXXX, Supervisor of the call center. Specifically I went to a a XXXX, Ohio Bank on XX/XX/XXXX, and spoke directly to XXXX XXXX who provided me with false information regarding the price of my bank statements. XXXX XXXX told me that the cost of my statements is 5 a page when it only cost 5 dollars for a statement. XXXX XXXX threatened to call the police on me because I asked for a copy of my statements. Furthermore, I have been informed that XXXX XXXX wrote a note on my account stating that I mentioned filing a lawsuit against the City of XXXX. I never mentioned anything regarding a lawsuit against the City of XXXX and all of the information that XXXX has written on my account is false. She also provided me with false information regarding my account. In addition XXXX XXXX refused to provide me with the name of the individual/company who endorsed a money order on XX/XX/XXXX. I would like to have a fraud investigation because I believe there is fraud going on with my account and I would like the CFPB to oversee the fraud investigation
Company Response:
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2011, I purchased a money order in the amount of XXXX from Fifth Third Bank. I issued the money order to Attorney XXXX XXXX. Since 2011, a dispute has occurred in which the attorney is stating that he never cashed the money order. To prove payment, I requested a front and back copy of the money order from XXXX XXXX and several other Fifth Third Staff members. XXXX XXXX provided me with a copy of a money order with no endorsement. When I asked XXXX XXXX for a written letter to submit as proof of payment and endorsement she stated that she can not provide me with the name of the customer who cashed the check instead, she has only provided me with the name of XXXX XXXX XXXX as the banking institution of where the money order was presented. Based upon the money order having no endorsement and Fifth Third Banks refusal to provide me with the name of the customer and other pertinent details I am not able to prove that I made a payment to the Attorney and Im unable to receive my funds back. I am attaching a copy of the money order provided by Fifth Third Bank and copies of my bank statements as supporting documentation.
Company Response:
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: The bank is Fifth Third. I have not closed the account yet. Waiting for interest payment. I have a " relationship money market '' account with 2 % for the first 3 months ended XX/XX/18. Even if I go below the {$25000.00} the offer says I would receive a blended rate. I had a balance of {$100000.00} until XX/XX/18. {$40000.00} until XX/XX/18 {$0.00} until XX/XX/18 Per Offer attached : " Your interest payments may reflect a blended APY that is below 2.00 % '' The bank refuses to pay ANY interest on the month of XX/XX/2018. XXXX XXXX XXXX is the personal banker. XXXX XXXX is the Manager. XXXX XXXX XXXX. XXXX, fl XXXX XXXX
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
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: You already have received this information and you ignore these complaints. I have been scammed because your LACK of internal security measures that allowed a perpetrator to receive bank information from one of your account holders and paid this money onto my XXXX account for only to be identified as UNAUTHORIZED.. You have a serious security inside your office and should be ASHAMED of protecting not only your client but the associates that your supposed clients do business with.. As a result of your exposure I have had XXXX or so be paid into my account for a debt that was owed me to only be removed or clawed back days later to perpetrators that were paid prior to these events. In addition XXXX Admitted that there are flaws in the banking system and loop holes that allows perpetrators to scam innocent people like myself. IF this is not rectified and those monies put back in my account I will pursue legal issues that will show your bank and other banks these flaws that will hurt your company. I am not trying to threaten or hurt the bank, I want the monies put back in my account and you work this out with XXXX. In addition I want to have better security that people are real-time notified of changes to their accounts that would have prevented this from happening and me be out because of these perpetrators XXXX and nearly 1.5 million due to one of the ring leaders. I will expose this to the media which I really dont want to do but I may have to if this is not resolved
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed on my home -- a new property, qualifying for a 10 year tax abatement -- in XX/XX/XXXX. At the time of close, it became apparent that the closing company had forgotten to account for my tax abatement on some estimates ( causing me to pay a couple thousand additional dollars into my escrow account at close ). I was assured that this could be worked out with my mortgage company after closing. My mortgage was sold to Fifth Third Mortgage Company in early XX/XX/XXXX. I promptly submitted an inquiry re : the escrow amounts on XX/XX/XXXX. Not only did I have the excess in escrow from closing, I also had to pay an extra ~ {$300.00} a month for my mortgage, so I was eager to resolve the issue as soon as possible. In response, Fifth Third opened an issue and informed me that they would respond in 15-25 days via mail. This delay was frustrating to me, as I hoped I would be able to provide legal documentation of my tax abatement right then. I asked if I could speak to someone from Fifth Third Mortgage Company directly. They said no. In early XXXX, I received a response in the mail, indicating that they needed further evidence of my tax abatement. I immediately faxed over a copy of my stamped document affirming my property 's tax abatement aside the letter they sent me. I followed up this fax with an online message to confirm the receipt. Again, they indicated they would respond in 15-25 business days. Today is XX/XX/XXXX, and I have still not received a response. My monthly mortgage bills are hundreds of dollars higher than they should be, and I am owed thousands of dollars from closing three months ago. I sent a message explaining that my promised response was missing and that holding excess in escrow is a violation under RESPA. They responded to tell me to contact customer service over the phone -- despite the fact that they told me earlier there was no way to contact a Fifth Third Mortgage Company rep directly over the phone. I am completely frustrated with this situation and the way I've been treated by the Fifth Third Mortgage Company. I've attached screenshots of all my correspondence, as well as the evidence of my tax abatement ( as faxed over on XX/XX/XXXX ) and screenshots of my account info and activity ( taken today, XX/XX/XXXX -- showing the escrow balance vs escrow disbursements & monthly fees ).
Company Response:
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just received an alert showing a hard inquiry from Fifth Third that I do not recognize or have authorise. Please correct. Creditor Name : Fifth Third Bank Inquiry Date : XX/XX/2018 and XX/XX/2018. 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. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2018-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Fifth Third clearly violated the Equal Credit Opportunity Act ( ECOA ) while processing my Home Equity Line of Credit on XX/XX/XXXX. One important reason that Fifth Third violated the Equal Credit Opportunity Act is that I experienced disparate treatment. According to US labor law, disparate treatment is when an individual of a protected group is shown to have been singled out and treated less favorably than other creditworthy borrowers. A simple analysis of Fifth Thirds lending practices would obviously show that similarly-situated borrowers not in the protected class do not wait an average of 12 weeks to close on a Home Equity Line of Credit ( HELOC ). A basic analysis of race data in HELOC applications would be more than enough evidence to prove that Fifth Third discriminated against me. Now, Fifth Thirds Office of the President has argued that they needed additional required documentation for underwriting and this was one of the reasons for the delayed closing. But the complaint that Fifth Third has clearly violated the Equal Credit Opportunity Act is still true. Fifth Thirds additional documentation argument is flawed because every requested documentation was done electronically via email. I have email evidence that shows the conversations along with the ( date and time ) various additional documentation requests were made by Fifth Third and the ( date and time ) I submitted them. My quick turnaround submission of these documents will undoubtedly shows that their reason for a 12 week closing is dead wrong. Another key reason that Fifth Third violated the ( ECOA ) while processing my HELOC application is the underwriting department created barriers making it more difficult for me to close within the standard timeframe. Fifth Thirds initial operating procedure in applying for a HELOC is to run a credit check, verify employment and home insurance for all applicants. A basic review of Fifth Thirds HELOC application procedures will serve to prove that Fifth Third exhibited discriminatory requests from me that was out of line with their standard practice. Of course, Fifth third claims that the 12 week closing on the HELOC was due to clearing up a delinquency on my credit report, verifying income and the mailing address on my insurance policy. However, the weight of the evidence is on my side. What must be remembered is that these are initial steps in the application process and should have been verified months before I received a second request to provide this information again. I also have email proof that shows the ( date and time ) I submitted the required documentation and the long time period in between Fifth Thirds second request for the same information months later. A major reason that Fifth Third violated the ( ECOA ) with regard to my HELOC application is they have a pattern of discriminatory lending. In XXXX, Fifth Third agreed to pay the federal government {$18.00} millions dollars after claims it charged XXXX and XXXX customers higher rates for auto loans. This proves my situation is not unique but apart of Fifth Thirds standard practice of discrimination. Fifth Third has admitted to providing me with misinformation about the type of appraisal I should receive but there are many more examples of how I was misled throughout the entire HELOC application process. I have proof of multiple email conversations Ive had with the loan officer, general and regional managers at the bank, and the underwriting team at the XXXX Michigan location that clearly point out specific examples of disparate treatment. All parties noted did nothing to rectify the situation after months of discontent. Therefore, I was forced to log a complaint with the XXXX XXXX XXXX. Even after the complaint was logged, Fifth Third made little effort to close on the HELOC. Finally after 11 weeks, I sent all noted parties an email stating I was drafting a personal letter to XXXX XXXX XXXX ( Chairman of the Board, President & CEO ) at Fifth Third and XXXX XXXX Consumer Complaint a detailed account of my experience with the HELOC process. Ironically, I got a call the next day asking me to come into the bank for the closing. This not circumstantial, it clearly demonstrates guilt and an attempt to cover-up the disparate treatment I experienced. Consider all of the evidence and reasons I provided, there is no doubt that Fifth Third violated the Equal Credit Opportunity Act ( ECOA ). Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2018-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had bills coming out on XX/XX/XXXX of about {$500.00} that I wasn't going to be able to cover without depositing more money first. On XX/XX/XXXX, I deposited {$1200.00} knowing that only {$100.00} would be available immediately and that the rest would be posted to my account on XX/XX/XXXX. I based all this information from banking history with Fifth Third, as well as relying on the banking app and website that I have used for years and years. I knew exactly what I needed to do so that my account would not go negative. The account never went negative. Yet Fifth Third Bank charged me an overdraft fee of {$74.00}. What is even more deceptive ... when you print account detail history, the balances at the end of each day disappear, perhaps it's for privacy reasons. I have a screen shot showing that my account was never negative and that I am being charged {$74.00} for overdrawing. I contacted this bank but they will never respond. They just show you a creative overdraft letter that you need a very open mind to even attempt to follow. No logic is involved. This is deceptive ( banking apps and online accounts being misleading as well as overdraft letters that make no sense ), and completely unfair ( {$74.00} overdraft fee without having an negative balance ). Please see the attached screen shot that shows my account never being negative, as well as a printout of the same information with hidden account balances ... I wonder why they do it like that?
Company Response:
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Opened an Checking account with the terms of making a deposit of {$500.00} or more in the first 45 days and them maintain a balance of {$500.00} for 60 days from the date the balance requirement is reached. Will get a {$250.00} bonus if the following requirements are met. I opened the account in XX/XX/2018 and have had met all the requirements but still have not got my {$250.00} bonus.
Company Response:
State: MI
Zip: 48085
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
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: In XX/XX/XXXX we bought into what was believed to be an online marketing business called XXXX. XXXX educators presented very convincible scenarios where one could make money on-line simply by marketing XXXX products. The largest and most beneficial of those training sessions was called XXXX Masterminds, in most cases, this was a series of four ( 4 ) four ( 4 ) day training sessions in XXXX XXXX, at another XXXX facility. From XX/XX/XXXX through XX/XX/XXXX, we consumed as much knowledge of online marketing as we could through XXXX online training webinars and our coaches. Our first XXXX Mastermind was scheduled for XX/XX/XXXX through XX/XX/XXXX. XXXX was served a civil lawsuit by the Federal Trade Commission ( FTC ) on XX/XX/XXXX. Consequently, our Mastermind event was cancelled and products/services that were paid for were not received. On XX/XX/XXXX, a Preliminary Injunction was instituted by Judge XXXX in XXXX, FL which is the same as a Temporary Restraining Order ( TRO ), except that it continues indefinitely. All FTC filings and updates can be found here ; http : XXXX To buy into the business of XXXX at a {$60000.00} level, XXXX provided a process for credit card financing this cost. The process had you charge {$60000.00} on your personal cards and then open new cards to transfer the balances. The personal cards we used for this charge were XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and Fifth Third Bank. Upon the news of XXXX shortly after XX/XX/XXXX, we filed disputes with all of these cards. Each credit card company reimbursed our full amount except Fifth Third Bank. Fifth Third denied our dispute ( Case # XXXX ) for {$18000.00} after their investigation. This investigation began XX/XX/XXXX with a dispute case number and was closed XX/XX/XXXX. When I called to get status updates, Fifth Third kept referring to a term I was unfamiliar with called charge back. It wasnt until my XX/XX/XXXX phone that this term, charge back was explained to me. I have come to find out that charge back was their term for charging back this amount to XXXX. This was not possible since the civil lawsuit, TRO, and Preliminary Injunction prevented XXXX from conducting any business or communicating with anyone. I feel that Fifth Third Investigator ( s ) did not do their jobs adequately because if they had looked at the web site ( http : XXXX ), they would have realized or understood that a charge back was not possible. In my last conversation with the Dispute Department Supervisor at Fifth Third while I was asking many questions to better understand, she said the case was closed and hung up on me. We were awarded all other disputes with each of these credit cards, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX, except Fifth Third Bank. Fifth Third practices and processes are not up to par with their competitors and they do not protect their consumers against fraudulent charges or scams. It is for the above reasons I am filing this complaint.
Company Response:
State: OH
Zip: 45140
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A