Date Received: 2018-06-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was selling furniture on XXXX. And I got a check and deposited it. But they send a amount more than the furniture because they wanted me to send the rest to the movers. So I did by using XXXX on my bank account all and the check bounced 3 days later. But the check funds were in my account before the check bounced. So they money I sent was my money. I called the bank and they said they cant do anything because I did everything. The bank is fifth third. No one told me that a check can bounce after it was already funded in my account.
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2018-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third Bank does not have an effective compliance management system. In it's Supervision and Examination Manual, the CFPB expressly defines an institutions consumer complaint resolution process as a principal component necessary in establishing an effective compliance management system. Fifth Third Bank specifically does not have a clear and transparent publication of its consumer complaint management program to the public through its public website : 53.com. A search for " complaint '' in it's search box on the website does not yield any form of online ability to submit a complaint or how complaints work at 53.com. A search of the site map for the website also yields no clear and transparent publication of a consumer complaint program. Financial institutions should all have publicly available online forms to submit complaints which 53.com does not even address.
Company Response:
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2018-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Established a business checking with 5/3 Bank XX/XX/XXXX-recommended by 5/3 to sign up for credit card processing. Was told by 5/3 account was declined. For 2.5 years 5/3 branch staff never admitted they knew what the abbreviation on my statement was for charges of {$140.00} monthly for XXXX ACH billing were. In XX/XX/XXXX returned to branch again regarding fees. Was advised to open a merchants acct thru them. Their rep advised me when she came out & I ask her about the abbreviations, she called & learned I had already a merchants account. That had been in place since XX/XX/16 which cost me! XXXX monthly. Never received a credit card terminal, never received 1 billing statement. Was advised I had a open acct with XXXX now XXXX. I must contact them directly to resolve receiving my refund request for mothly fees. As we have our Merchant processing thru another company along with a terminal, we had in place already when starting new relationship with 5/3. Again never received any equipment, no contract, no monthly statements. After 15 days allowable processing time required, still havent received any refund we calculate 30@XXXX= XXXX. Today was the agreed date for restitution and or explaination on there plans for resolution. Cust service rep stated the notes indicate their intent to refund {$250.00} but the back office hadnt signed off on it yet. This is major fraud. Please assist in anyway possible. Ive contatced 5/3 on sevral levels along with their processing company XXXX now dba XXXX.
Company Response:
State: FL
Zip: 34698
Submitted Via: Web
Date Sent: 2018-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My original loan was for {$7800.00} and I've paid all but {$4300.00} of it. I have made large payments up to the amount of {$800.00} at a time. I asked for a loan deferment for the months of XX/XX/XXXX and XX/XX/XXXX because I was having a XXXX and was never sent the paperwork for it despite calling numerous times and asking for it, but I was charged the fees for XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX for the deferment. They also automatically withdrew amounts from my bank account without my consent for 3 months. And now they're beginning their harassing phone calls again. They call me five or more times every day.
Company Response:
State: NY
Zip: 14420
Submitted Via: Web
Date Sent: 2018-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: When set-up, my checking account had an associated address with a family member in XXXX, XXXX and was later changed to my address in XXXX, XXXX. I completed a change of address form when moving to XXXX, XXXX. The family member address in XXXX, XXXX continued to receive my account statements with my account information. I closed my account with Fifth Third in XX/XX/XXXX while at the XXXX, Ohio address on file. I continued to receive account statements even though my account had been closed for over 2 years. I went to a branch and had the branch manager confirm all accounts were closed in XX/XX/XXXX. In XX/XX/XXXX, another family member received a debit card in the mail for an account in my name in XXXX XXXX, XXXX. Even though my account has been closed since XX/XX/XXXX, my personal account information has now been sent to two addresses that were not associated with my account. I am concerned as to where else my information may be sent and also that Fifth Third has set-up fraudulent accounts in my name.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX XXXX based in Ohio is a debt collector that garnished my wages on XX/XX/XXXX from my employer. I contacted them and they informed me they had a judgement from XX/XX/XXXX. I told them I was not aware of any court dates and have never signed for any certified letters from them. They said they were collecting for 5/3 bank from a account I had back in XX/XX/XXXX that was closed XX/XX/XXXX. The account was closed due to 5/3 overcharging customers for overdrafts and there was a class action settlement in XX/XX/XXXX that I was part of regarding 5/3 unlawful banking frivolous overcharges. I submitted the correct paperwork to be in the lawsuit that was finalized in XX/XX/XXXX. I called 5/3 on XX/XX/XXXX and told them about the debt collection agency putting a wage garnishment on my check and they said they never sold the debt to XXXX XXXX XXXX they said XXXX XXXX XXXX bought the debt and XXXX XXXX went out of business and XXXX XXXX XXXX probably bought it from them. XXXX XXXX XXXX said they don't buy debt and they are collecting for 5/3. 5/3 said my checking account was part of the settlement and XXXX XXXX XXXX should not be collecting for 5/3 since it was paid out in the settlement the balance should be XXXX for overdraft charges. I was part of the XXXX XXXX dollar lawsuit in XX/XX/XXXX. I submitted my info to the XXXX web site in XX/XX/XXXX.
Company Response:
State: KY
Zip: 40220
Submitted Via: Web
Date Sent: 2018-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I only have one account open with 53rd Bank and my credit report is showing that I have 2 open accounts. I've called 53rd Bank several times to have this fixed and they keep transferring me to different from customer service, to loans to collections and back to customer service.
Company Response:
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2018-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Approx XX/XX/XXXX, fraudulent charges against my bank account began to apply. The amounts varied from {$40.00} to {$200.00}. They hit several times a day, and have hit every day. I called the bank Friday Morning to address and stop. The bank just keeps paying them. they all start with the name 'XXXX B ', and then 20 random digits, followed by my full name, and the date. Even though the account went overdrawn several days ago, the funds are still being transferred out, simply driving the account further under. I have called 3 times, Bank ( Fifth Third ) refuses to prevent the charges, says the only action they are willing to take is close my account. My Mortgage is linked to that account, all my utilities, my credit cards. This almost identical situation happened a little over a year ago, and it took MONTHS to finally get things running smoothly. I had to spend 8 months chasing my Tax refund because it was somehow miss-routed and paid to the closed account, and then just 'disappeared '.
Company Response:
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On or about XX/XX/XXXX, I received notice from Fifth Third Bank ( 5/3 ) that my mortgage was in foreclosure. I was shocked and confused as my mortgage is paid automatically every month via my XXXX checking account. When I checked my bank statements, every check had been cashed. As I later learned, 5/3 had cashed my mortgage payment, but refused to apply it to my loan because there was a shortfall in the escrow account of approximately {$80.00}. As of about XX/XX/XXXX, 5/3 said that I had missed 2 payments ( both due to same process ). However, I still had not received a reimbursement of my 'non-applied funds ' so had no idea that my two payments of {$1500.00} had not been applied, NOR did I have the use of that money, since the payments were cashed by 5/3! I received the first of these reimbursement checks literally one or two days after this happened. It was dated XX/XX/XXXX - and this was about XX/XX/XXXX! I had not received a call or an email on this IMPORTANT matter so I immediately called Fifth Third, and was told by a VERY rude and condescending representative that they sent me a letter. Unfortunately, I missed this 'letter ' because I receive SO MANY SOLICITATIONS from them asking me to refinance my loan, that I have essentially been trained to ignore them. Mind you, this notice was sent in the exact envelope that their junk mail was in - it was not marked any differently than a solicitation. After numerous calls and long hold times, I was told that they don't email regarding a foreclosure ( although they emailed me about other topics so they had my email address ), and they tried to call me, but that the phone was disconnected. It wasn't - they had my phone number incorrectly documented in their files. In late XX/XX/XXXXor early XX/XX/XXXX, someone came to my door and asked my name and confirmed that I was living in my home. I asked what it was about, and he said it was no problem, just that 5/3 was confirming that I lived there. I asked again if everything was ok, or if I needed to do anything and he said no that it was just routine. In hindsight, I should have called 5/3 to verify, but he reassured me that all was fine. I double checked my bank and confirmed that my checks had been sent on time and had been cashed ( and I work two jobs and am a single mom ), so I went about my day. So apparently 5/3 was willing to PAY someone to come here to see if I was living in my home, reassure me that nothing was wrong, but couldn't be bothered to send an email, or send a letter that presented as something other than their standard bi-weekly solicitation, or do a quick google search or phone book check to get my correct phone number. I'm listed. I have had my mortgage with 5/3 since XX/XX/XXXXand have never missed a payment, nor have I ever been late for a payment. 5/3 reported to the credit bureaus that i had two payments that were past 30 days late, so my credit rating plummeted about 200 points!! I requested from the supervisor to have those reports rescinded once I paid all their penalties and immediately transferred them both of my payments. At this point, I am still out of pocket FOUR mortgage payments. I have called and attempted to escalate and was repeatedly denied. I am appalled at the treatment that I received and will NEVER do business with this company again. After more than a year of working two jobs, I finally have restored my credit ( but still have 2 mortgage payments past 30 days showing up ) to the point that I can refinance my mortgage. Even if it costs me a little more to refi - I don't care - it will be worth it to get away from this disreputable and ANTI-customer service company.
Company Response:
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card from XXXX XXXX. I have requested them to 'auto pay ' my entire statement balance every month so that I do not have to pay interest charges. I first made this request in XX/XX/XXXX. I soon realized that their auto pay department is paying only {$35.00} from my XXXX XXXX XXXX checking account to my credit card. I had another round of discussion with them ( first over email and then over the phone ) on XX/XX/XXXX. I once again asked the 'auto pay ' team to pay my entire statement balance automatically every month. Today ( XX/XX/XXXX ) I again realized that they are paying only {$35.00} every month and charging me interest for the rest.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A