Date Received: 2018-05-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX my Vehicle was repossessed by 5/3 Bank, for what they are claiming was missing payments. I was not contacted in any manner regarding late payments or that my loan was in default. I have gave express consent to contact me via Cellphone and Email as you will find my attached documentation. The consent was given in XX/XX/XXXX for Paperless statements, for which I have not received a single one ( still to this day can not view on XXXX ). I gave consent for my mobile phone on XX/XX/XXXX which I have attached photo evidence from the XXXX XXXX XXXX on 53.com. I have been in contact with XXXX XXXX, constantly, since the incident took place. I have left countless voice mails over the past months, some were given response, the most recent have been ignored. I have provided to their agency documentation proving that my bank account had sufficient funds, that attempts were made to make those payments, that previous consent had been given for contact. My online payments were made but never received, hence the default result due to technical difficulties that 5/3 Bank have admitted to experiencing in and around those months.
Company Response:
State: GA
Zip: 30534
Submitted Via: Web
Date Sent: 2018-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Good afternoon. I deposited a check in the amount of {$3600.00} to my Fifth Third Small Business checking account on XX/XX/XXXX. The funds were withdrawn from the source account on XX/XX/XXXX. Fifth Third has placed a hold on my check because they say my account has overdrafted excessively in the past. It is my understanding that they may choose to hold my check for up to 10 business days, but they may not draw the money from the source account ( a XXXX XXXX business account ) until they allow the check to clear. I have attempted to contact Fifth Third business banking customer service on three separate occasions about this issue. The first time, I was hung up on directly after explaining my issue. The second time, I was transferred to dead air, where I waited for five minutes just to be sure someone was not coming on the line ( they usually have music or talking on the line if you are on hold ). The third time, the woman told me my phone was breaking up and she could not hear me - I was on a cell phone, true, but I had full signal ( 4 bars on my XXXX ) and I am doubtful about the veracity of her statement based on my previous experience using the phone in the area. I would like to know if this is truly illegal, as I was informed that it is illegal by employees at XXXX XXXX bank when I inquired as to the status of the funds being withdrawn. I would also like to know if this is a systemic issue. I think it could be, because most of the time people who are told the hold on their funds is due to overdrafts in the past would be ashamed and would not pursue the matter further. Also, there is not usually clear communication between parties as to exactly what date funds are withdrawn from the source account. Finally, if this is truly the law, I think most consumers are not aware of it, as I was not until now and I consider myself fairly well-informed about financial matters. Thank you very much for working with me to resolve this issue. Kind regards, XXXX XXXX
Company Response:
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX and XX/XX/2018, I requested that my Fifth Third Bank access 360 prepaid card and Trio credit card be closed. After several hours on the phone with the company and multiple Representatives, they have refused continually to close my credit cards. They state that they require my physical presence in the branch, which is not feasible because the nearest branch is over 500 miles away. There is no indication in any terms or conditions referring to or stating that I am required to be present in the branch to close a credit card.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I received a Notice Of Serving Transfer from my bank XXXX XXXX XXXX. My mortgage was being transferred to Fifth Third Bank. This transfer was to be in effect by XX/XX/XXXX. As of XX/XX/XXXX I have not received any correspondence from Fifth Third Bank about my mortgage. My payment is always due on the XXXX of every month, so I've sent my monthly payment to the original mortgage holder, XXXX XXXX XXXX. They will determine if the payment will be returned to me or forwarded to Firth Third Bank. Fifth Third Bank is in violation by not contacting me with any notice about the transfer before the XX/XX/XXXX Transfer date. Fifth Third is claiming today XX/XX/XXXX that they just got the Transfer Notice from XXXX XXXX XXXX XX/XX/XXXX and are in the process of sending out a Welcome Package. They also claim that they are not responsible for sending out a notice before the transfer occurs.
Company Response:
State: NC
Zip: 28086
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On Sunday XX/XX/XXXX my vehicle was wrongly repossessed for a failure to make payments by Fifth Third Bank. The two most recent payments had been made on or around XX/XX/XXXX, cashed on XX/XX/XXXX, and XX/XX/XXXX, cashed on XX/XX/XXXX. However, they failed to credit my account properly and it fell into delinquency. Compounding the problem, the bank failed to notify me in writing that the account was becoming delinquent. They simply called and left several messages on my voicemail demanding payment without any details. Upon receiving the messages I investigated the problem in my online account where I found no notification of outstanding balance due. There were no messages or notifications internal to their documents section indicating a past due problem, no past due notification on the account dashboard, no messages sent to the account 's email address on file, and no hard copy letters sent to the accounts delivery address. Most frustratingly, and to be frank unbelievably, there are no customer available hard copy and/or e-statements for the account indicating past due payments. When I contacted customer service on XX/XX/XXXX, I spoke with XXXX who indicated I would have to make a hard cash payment at a Fifth Third Branch for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXback payments, and one month in advance, XX/XX/XXXX, as well as pay the XXXX repossession fee before they would release the vehicle. I requested to know why I received no written notification the account was becoming delinquent to which he responded they were not required to notify me and that they only make telephone calls as a courtesy. I asked him how I could retrieve a copy of the account 's monthly statements to reconcile payments made, which he responded they didn't keep monthly statements for the account. At this point, I indicated this was unacceptable and requested to speak to his supervisor to obtain a copy of the statements. His supervisor, XXXX, provided no additional help. He would not provide copies of the statements further indicating the bank didn't keep those records, and stated it was my responsibility to ensure payments made were properly credited to my account. This is in spite of the online account information being incorrect and me informing him I had copies of the cancelled checks where they had been cashed by Fifth Third. Still seeking satisfaction, I requested to speak to his supervisor, which he refused, and simply passed me off to XXXX in the internet department to see if XXXX could determine why delinquency notifications were not being properly reflected in my online account. At this point, I visited my local 5/3 Bank to resolve the issue. The bank manager XXXX XXXX XXXX was able to determine the cancelled checks were indeed received and not properly credited to my account. After he failed to determine where the funds were credited he called the back office who indicated they they also couldn't locate them but would look into it. To get my vehicle released, I was required to make three equal payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. He was further able to get them to waive the {$390.00} repossession fee. Combined with the final check which I informed him was written on or around XX/XX/XXXXbut yet to be properly credited, I am now fully paid up nearly three months in advance through XX/XX/XXXX on a vehicle which currently resides in impound. I understand with many thousands of transactions processed on a daily basis, sometimes items get misplaced and/or missed. However, this isn't an issue of a simple misplaced payment. From top to bottom, Fifth Third has no document tracking in place for my auto loan. They keep no statements, reflect no past due payments in my online account, provide no email communications around failure to receive payment, and have no internal payment tracking controls as they still haven't located my lost payments. They simply indicate it's my responsibility as the customer to ensure checks which clear my account are accurately reflected in my online banking in spite of this online banking system having no way for me to know there is a problem and no access to monthly statements for reconcile. This wasn't a mistake, it was gross negligence boarding on predatory/abusive lending practices. Further this entire repossession could have been avoided with a simple email to a customer using an email account they had on file. An email sent to a customer upon an account going delinquent isn't an unreasonable request. Especially prior to repossessing a customer 's sole method of transportation and personal asset.
Company Response:
State: OH
Zip: 44116
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I scheduled {$3500.00} transfer from XXXX checking to XXXX XXXX checking acct. A week later XXXX sent e-mail saying there was insufficient funds in acct and suspended future transfers. I have acct balance over {$8000.00} in checking and {$3000.00} in savings.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: can not qualify for loan because information on my credit report is not accurate. The delinquencies have all been cleared up but my reports do not reflect any of this information.
Company Response:
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: on XX/XX/2018, my checking account was in credit by {$880.00}. On the same day 3 debit transactions were posted to my account in the value of {$90.00}, {$0.00} and {$1700.00}. The bank charged me 3 overdraft fees of {$37.00} for each transaction even though there was sufficient funds to pay for the first 2 transactions amounting to {$90.00}. I was therefore charged a total of {$110.00} for overdraft fees in one day. I spoke to the Branch Manager and complained about these charges but the Bank refuses to reverse 2 of the 3 overdraft fees. I also sent emails complaining that these overdraft fees were unreasonable charges and that I would accept an overdraft fee of {$37.00}.
Company Response:
State: FL
Zip: 34112
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Back in XX/XX/XXXX and XX/XX/XXXX I have attempted to communicate with Fifth Third Bank in regards to an inquiry made towards my XXXX credit report that was not authorized by me. I have advised Fifth Third several of times to send documentation that I authorized with my signature. This is a violation per FCRA regulations and if Fifth Third refuses to cooperate in this matter, I will have no other option but to file civil suit against this institution.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX at around XXXX I visited a Fifth Third bank ATM and I attempted to deposit {$1500.00} in cash into the ATM. Their ATM took my cash but the machine then stated that it didnt recognize any money being put into the machine so I cancelled the deposit and went into the branch to get the contact information of the dispute department. I filed my claim on XX/XX/XXXX and again on XX/XX/XXXX when I submitted my reinsertion letter for the case to be further investigated. The branch submitted documentation showing that their ATM was out of balance. However, my case has been denied constantly even with the proof of the ATM being over balanced. I have yet to receive the credit to my account that I deserve and I am going to continue to be persistent in my efforts to resolve my case. I am asking that the investigator takes the documentation from the bank into consideration as well as video footage if the ATM is equipped with a camera.
Company Response:
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A