Date Received: 2023-09-12
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX I initiated a wire transfer through a branch of 5/3 bank to an account I own XXXX where I currently work. I confirmed the transfer and it was approved by the fraud team and the money left my account. I called in on XX/XX/12 to get the details of the transaction as I didnt receive confirmation details. The first two agents, whom were located in an XXXX call center, didnt have access to provide me details and told me to visit a local branch. They also both released the call. I was told that the call center agents dont call back customers when the connection drops on their end, a frequent occurrence in the XXXX XXXX I called in and spoke to a third representative who I immediately asked to speak to a supervisor. This supervisor transferred me to the wire department, who told me they didnt handle personal accounts and would transfer me to someone who did. I asked that they confirm the person I spoke with would be able to provide me the requested information and they assured me they would. Instead they cold transferred the call back to a general inquiry rep who couldnt see the information I needed. I am now speaking to my 5th person who cant provide me the needed information. She too released the call.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I've had my identity stolen in the past and unauthorized use of my information even while spelling my name incorrectly. There are inquiries that I am not familiar with.
Company Response:
State: DE
Zip: 19963
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX at XXXX I called XXXX bank in regards to me being unable to login into the XXXX bank website to view my account. I was then transferred to the customer service line when I was asked for my debit pin number and I did not know what it was. So I called a second time to XXXX bank to reset my pin. I was then transferred to reset my PIN which I was then made a ware there was a hold on my account at XXXX. I was told I could not be told why there was a hold on my account and I was then transferred to be given an explanation on why there was a hold on my account. At XXXX I spoke with a women who told my account was on hold because I paid money to my XXXX credit card and that it set off fraud flags so my account was to be closed and that was the final decision. When I asked why I was told by the women that it was a trend in fraud therefore my account was close. I later found out from talking to her that my account was being closed because I paid multiple of my credit cards therefore my account was to be closed. Then the conversation ended. Then at around XXXX I called XXXX bank again and spoke with XXXX, where I was given the same explain that my account was being closed because I paid my credit cards and that was a trend for other people of fraud therefore my account was to be closed final decision. Then I ask XXXX if I could present evidence that my credit cards are real and not fraudulent. I was then informed that would not be an option because the final decision has been. To summarize I was denied the opportunity to prove my innocence, and I was still not given an answer to my faults but was only told that other people like me my assumption I was biased based on my age, gender, and race would pay there credit cards and commit fraud. Therefore because I am a XXXX XXXX XXXX I must be commiting fraud and was denied the oppurunity to prove my innocence.
Company Response:
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had an account at Fifth Third bank for several years. In the beginning of XXXX, I began using the account more regularly, as such I increased my minimum daily balance to {$10000.00} and the account has never had less than {$10000.00} in it. After making a deposit, the teller decided to accus e me of depositing fake money orders that were obtained from the US Postal Service. I was the purchaser and as such I was listed as both the pay to and pay from on the money order. I received a call on XX/XX/XXXX from the fraud department asking for more information, which was all very self explanatory but I answered nonetheless. The bank then requested info to verify the funds, which was completely unncessary, but I provideded nonetheless. On XX/XX/XXXX, I visited the branch in XXXX XXXX, IL where I met with the branch manager and together called the fraud dept. We were told the account was set for closure and would be closed in 35 days, and I was told that my money would not be returned to me and would be sent to a holding account forever. I visited the branch where the teller violated federal banking regulations and made false accusations and I simply asked them, if someone brought a fake {$100.00} bill, would you take it? As expected they replied " no, not if it was fake '' so I asked them why they accepted $ XXXX of money orders which are a certified financial instrument and the activity was consistent with all my past acitivity and there was never any issues with anything bouncing or overdrafts. The telller lied and inaccurately filled out suspicious activity reports ( SARs ), because the teller told me " you just got these today? '' to that I replied " yes '', again, it has the date listed on them. The teller then said because they were " obtained today '' they had to be fake. She filed the SAR and other reports resulting in the account closure. I spoke with the branch manager where the deposit was made, XXXX XXXX, XXXX and he agreed his teller, XXXX, XXXX XXXX made a mistake. He has not provided any meaningful update and I want my money as it has now been held longer than federal banking regulations allow for. Thanks, XXXX
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
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: I had taken out a loan through a phony unreachable financial company that deposited a fake check and then had me to return the funds back to them before the bank could clear the check.
Company Response:
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: There are XXXX unauthorized transactions on my debit card. I was told to call back on Monday because the dispute department is not open on Sunday. Doesn't the dispute department need to be available XXXX hours?
Company Response:
State: MI
Zip: 49505
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, I received Fifth Third Bank {$600.00} reward coupon through the mail to open momentum checking account. I needed to deposit {$15000.00} and fulfill some other requirements. In the beginning of XX/XX/, I deposited a check of {$15000.00} from my other bank account. The money were transferred without any issues. Today XX/XX/, I received a statement from Fifth Third Bank that my account was closed on XX/XX/XXXX and funds were transferred. I never withdrew any money from that account, received a check or money being transferred to my other bank account from were they come from. I went to the Bank branch were I live and the banker attempted to help me with my issue but after he chat with someone I believe within the bank, he couldn't answer my question were my money are.
Company Response:
State: IL
Zip: 60050
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had an account with 5th/3rd bank for a number of years ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX ) and recently have had issues with them holding deposits for an excessive time. First time that happened was a check from retirement over {$10000.00} which I understood a hold even though that caused a sever hardship. This time they are holding a {$3700.00} deposited to account number XXXX that was processed on XX/XX/XXXX. I placed a call to their consumer services number ( XXXX on XX/XX/23 ) and they have stated that the Federal Reserve has put a hold on my check and that there was nothing they could do about that. That I have learned is not true at all from the Federal Reserve. I currently work for a company in XXXX and actually worked for them before the pandemic and used this same institution but eventually was laid off due to XXXX XXXX. I am now back for working for the same company and I deposited my first XXXX ( live ) check thru a XXXX deposit without issue ( XX/XX/XXXX for {$3800.00} and XX/XX/XXXX for {$1800.00} ). This last check processed on XX/XX/XXXX is being held until XX/XX/XXXX and has put me in a hardship position for paying my bills on time. How can I count on the fact that as soon as my direct deposit starts ( probably next week ) will not have a hold placed on it?
Company Response:
State: TN
Zip: 37174
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
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: They keep issuing me new accounts without closing previous accounts that were the problematic one and resulting in still having charges to both accounts!!! FRAUD!!!
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My account is with fifth third bank. A number was called my the mortgage company which was not working. Also no one tried to contact me via any other mode. The account was short of money was not known, I deposited another {$10000.00} the bank and the mortgage company did not pull the funds. They just impacted my credit report. Asked to change the reporting as I was not delinquent. Fifth Third bank systems are messed up- Please do not give them the right to ruin the credit report in a whim. I am not delinquent and have a good history. Assist me please. XXXX XXXX On XX/XX/2023, XXXX XXXX drafted a payment in the amount of {$3800.00} out of your checking account ending in XXXX. This was to satisfy the XX/XX/2023, payment. At the time of the draft, your checking account only had a balance of {$2500.00}. As a result, your checking account became overdrawn ( {$1300.00} ). The decision was made to not pay the withdrawal, and the {$3800.00} was returned and credited back to the balance on XX/XX/2023. If a payment is returned, XXXX XXXX will automatically re-process the withdrawal. On XX/XX/2023, XXXX XXXX did attempt to draft the mortgage payment in the amount of {$3800.00}. We do show there was a deposit in the amount of {$10000.00} as well on that date. None of the funds from the deposit were made available for processing that day. As a result, the mortgage payment was returned on XX/XX/2023. A Late Payment Notice was mailed on XX/XX/2023, as we had not received the XX/XX/2023, payment. Our records show that we started to call you at the phone number ending in XXXX daily on XX/XX/2023, through XX/XX/2023, to make you aware of the past due payment. On XX/XX/2023, XXXX XXXX drafted a payment in the amount of {$3800.00} out of your checking account, which applied to satisfy the XX/XX/2023, payment. On XX/XX/2023, we received a payment in the amount of {$20000.00}. The payment applied to satisfy the XX/XX/2023, and XX/XX/2023, payments in the amount of {$3800.00} each, satisfied the late fee assessed for the XX/XX/2023, and XX/XX/2023, payments in the amount of {$68.00} each, and the remaining {$12000.00} was applied towards the principal.
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A