Date Received: 2018-10-16
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Ive banked with XXXX since XX/XX/2011 and they always charge {$12.00} for overdraft protection. Which is basically transferring money from one of my savings accounts to cover for shortages on my checking account. I made a mobile deposit on XX/XX/XXXX which got credited on XX/XX/XXXX, the same day a couple other payments got debited. And yet even though these transactions were supposed to leave with a balance of well over {$300.00}, I still got charged a fee for overdraft protection on XX/XX/XXXX!!
Company Response:
State: OH
Zip: 43004
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello I've been a customer with the Bank for 5 years and i started out with a XXXX secured credit card. I have been paying on this card for 5 years and I haven't reached my balance yet although my card has been close for 3 years ... I have paid over XXXX in late fees with this bank. I have exhausted all of my opportunities for reaching out and trying to get a settlement for this account but they refuse to help me ... I am currently paying on this card now and Im exhausted.Please Help
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have set up a payment arrangement with the credit card company. Please report accurately on the credit report that the account is getting paid as agreed. Thanks!
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Fifth third bank is showing a late payment on my report. Late payment occurred due to their payment site being down and I was out of the country for 2 months. Upon returning I was told they remove that late payment from my account since it was due to a technical error on their part, however, they are now refusing to update my credit report and remove the late payment. They are also showing a balance of {$56.00} which is incorrect as there is a {$0.00} balance on this account.
Company Response:
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2018-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-15
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: RE : UNAUTHORIZED INQUIRY I reviewed a copy of my credit report and XXXX / XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2017. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence.
Company Response:
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2018-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was trying to get my mother 's name off of the loan because she passed away on XX/XX/2018. I contacted Fifth Third Bank to get her off the loan and they said they would they would just need the death certificate. I mailed in the death certificate and they have it on record that she died, but they won't take her off the loan. I asked why and the customer service rep said he doesn't do that. I asked for documentation about this policy and he said they didn't have any policy, but it's an internal policy.
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2018-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: The lending bank charged me higher interest than agreed upon. My loan was for XXXX at 4.74 % interest rate. loan was originated in XX/XX/XXXX and paid off the loan by XX/XX/XXXX. They charged my {$1300.00} as interest. But according to the loan calculators it should be less than {$900.00}. If we look at the attached loan amortization schedule that they sent me, the interest charged keeps increasing in certain months although I have been paying down the principal.
Company Response:
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have previously submitted a complaint to XXXX about Fifth Third Bank. I originally had an escrow evaluation with a lot of incorrect information including projected city tax payments to a city that I do not live in. These incorrect items, and some legitimate increases caused my mortgage to increase by almost {$600.00}. We tried to get the bank to re-evaluate our escrow statement without including this projected payment to a town that we do not live in. Since this projected payment came during the month of XX/XX/XXXX ( the month after they did their evaluation of escrow ) it showed as a projected amount that we would be paying and therefore took the amount out of our cushion. I have repeatedly asked representatives from Fifth Thirds Bank to provide me with documents that clearly show that there is no payment or projected payment coming out of my escrow account. They have continued to provide me contradicting information and statements. They have provided an account statement that shows our account is projected to pay the town of XXXX in XX/XX/XXXX, but then they tell me that it is not debiting my account and send my a spreadsheet that shows the money has not been deducted. I asked for them to rerun the escrow analysis once the month of XX/XX/XXXX had expired so that our account would no longer be projected to lose the {$1200.00} to a city tax that I do not live in. I am not sure if they can not truly understand what I am explaining or if they are just trying to act like the do not understand. They have told me that they can not rerun the escrow analysis since it was rerun in XX/XX/XXXX. This needs to be rerun, because when they projected XX/XX/XXXX, they would have projected my account to be {$1200.00} short since it was showing as a projected payment on the escrow analysis. I have spoken with multiple representatives from Fifth Third Bank, and all but XXXX have been rude, yelled at me, and spoken down to me. I am thoroughly displeased with the service that I have received and the lack of cooperation that I have been shown. I had to file the first complaint just to get them to look at the original complaint that showed me paying 2 mortgage insurances on top of the extra city tax to a city that I do not live in. I will attach the last escrow statement that clearly shows a projected payment to the town of XXXX even though there are 4 previous quarterly payments to the XXXX XXXX XXXX. The account statement that I have been provided shows that we have paid 4 quarterly tax payments to the XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My projections for next year show that we are projected to pay the XXXX XXXX XXXX 4 quarterly payments as well, so this would clearly be a 5th payment that we are not responsible for. I am being told to just ignore what is documented in the account statement. I believe that this is a tactic that Fifth Thirds could possibly be using on large numbers of other mortgage holders at their bank in an attempt to collect money off of interest. I would believe that this practice would be at the very least looked at as unethical, and worse case could be illegal.
Company Response:
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2018 I went to the bank I have a account with checking, and savings I used the bank ATM machine to make a deposit a check a friend written to me for working for her the bank did not make the funds from the check {$350.00} available to me they put the check on hold and my account was negative {$360.00} on XX/XX/2018 I went to the bank and used the ATM and deposit 3 cash deposits for {$130.00} {$95.00} {$95.00} to cover the negative balance of {$360.00} because the bank did not make the check deposit for {$350.00} available in my checking account and the bank put a hold on my account I called the bank and tried to resolve the issue they was very rude, and nasty to me the bank have a hold on my account it is not fair because I did deposit cash in my account to pay the negative balance of {$360.00} and they have restricted my account.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. Thank you.
Company Response:
State: CA
Zip: 90230
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A