Date Received: 2023-09-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/23, I checked my account to see the balance. At that time, I had a positive account balance. On XX/XX/23, I received an email notification of an overdraft. When I logged in to my account, a fee has already been charged. I contacted Fifth Third to ask that the fee be waived as I would have brought the account positive prior to a fee if I had been aware. They maintained that a notification was present in their system on XX/XX/23. I explained I had not received this and my first notification occured after the fee had been charged. They declined to waive the fee based on this internal notification that I was not sent.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a loan With Fifth Third Bank I never made a late payment in my life not by them not by any of my credit cards or car loans. In 2022 I signed up for a COVID forbearance program that I was not supposed to make payments and I was told that it would not affect my credit score in any way when I started making payments again fifth Third Bank reported four late payments all of them 120 days late to the credit bureaus this is wrong I would never sign up for any program that will wound my credit I reached out to them several times but they didn't do anything about it and my credit is still ruined because of this. Please help me to figure this out with them they should fix it on my credit report and remove the four late payments XXXX XXXX XXXX XXXX of 2022 Thanks
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I have a mortgage with 53 Bank. I made my regular mortgage payment in the amount of {$790.00} for the month of XXXX ( it is due on the 1st, and I am allowed to select the date that I make my payment which is the XXXX ). I made a curtailment payment on XX/XX/XXXX in the amount of {$2000.00}, where I requested the total be applied to the principal. 53 Bank deducted a mortgage payment from that amount even though I did not request it. My XXXX payment was not due yet, so am not sure why my payment was not applied as I requested. I also have inquired about bi-weekly payments and this is an option they do not allow. They seem to do everything to work against the consumer being able to pay their loan off. These companies realize that its not easy to just go to another lender because the rates would not be in the consumers favor and they try to monopolize off of us in any way that they can. Nonetheless, I made a curtailment payment prior to my due date and it should be applied accordingly.
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I signed up using a special code and online, by invitation only, and get 5.30 % interest rate on my XXXX XXXX account I opened. I followed all the instructions on funding it, timely, etc. Got my first payment. It is less than 5 % interest. It is supposed to be 5.3 % interest monthly interest payments, not under 5 %. I can not get a hold of anyone at all. I set up a phone appointment, they never called. I called them now, and upon holding, I opted for them to call me back and they have not called back within the time frame they said they would. I can not resolve this. I would like to file a complaint. I tried to message them online, but they say I must call the bank. Then you can not get through to them.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I want to clarify that these inquiries were related to my efforts to secure credit for specific financial purposes, such as [ briefly explain the purpose, e.g., securing a mortgage, auto loan, or credit card ]. I assure you that these inquiries were necessary steps in my pursuit of responsible financial management and were not the result of excessive or frivolous credit applications.
Company Response:
State: TX
Zip: 75063
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Got approved for a loan. Did all the paperwork. But I never received the funds nor did any of my debts get paid off by the bank.
Company Response:
State: IN
Zip: 47240
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX this was closed out but out of all the documents that were posted not one of them pertained to the fact that I was approved to receive my payment for {$2000.00} for fraud on my account, but they have not sent me a check for the claim that I was approved for and I was told by one of the customer service representatives that changed my address to the correct address last week that fifth third bank sent my check to the wrong household and someone cashed my check because they were saying someone went inside the bank with a no hair on their face no covid mask that surely was not me because i wear a covid mask daily and I also have a beard they did not have anyone like me inside that branch cashing a XXXX check yet when they saw that I had a beard they refused to allow me to see the footage when i was sent into the branch to so-called see the footage the ladies refused to let me see it because they knew it was not me... next thing on my account they had notes of some real discrimentation leaving comments like my skin XXXX and beard was fake beard and fake hair they have never seen me a day of their life and surely don't have a fake beard this was an attempt to not satisfy a claim after I was approved for ... I have a letter that I received with no check and I have been calling about this issue for the past 2 months yet I have not received a check to clear this account, cause it's getting to the point that I need to be compensated for all of this they have sent me through so they would not pay me the amount for the claim that I was approved for and I am owed I hope this gets resolved quickly because if it doesn't the bank will need to compensate me, especially with my house close to going into foreclosure because of this issue that the bank has sent my check to the wrong person and have not corrected this issue since I first told them i havent received my money over a month ago.
Company Response:
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX Fifth Third Bank is who I have done banking with for 3 years and while I am sitting at work one day with my debit card in my hand, I logged into my account online and my money had gone from {$410.00} dollars ( which was part of my rent money ) to XXXX dollars and the charge said XXXX I have no bills I pay to XXXX for any reason whatsoever. I reported this immediately to my bank and they shut that debit card down. It states in the cardholder agreement that with-in 10 business days they will credit my account while they complete their investigation. It has been 30 days and I still have not received my money back I even called XXXX and they looked into it and told me I was a victim of gift card fraud. The criminal who created this crime got away with getting my money out of my account to purchase a gift card and then cashed it. If I can not receive that money back by the XXXX of XXXX My daughter and I will become homeless with no place to live because the bank did not honor their agreement they sent me a paper to sign told me I could email it back I did the same day and still nothing no money. If I become homeless where is my protection I am scared to death and someone needs to be arrested for this crime. I was a loyal member for years and this is how I am treated.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Received a call from XXXX XXXX regarding a debt from Fifth Third Bank . I tried asking the gentleman to send proof of the debt to my current address and not the address they have on file but he refused. He then resorted to reciting my full Social Security number as a method of intimidation and threatened to sue me. I was informed the conversation was being recorded, please seek a copy of this recording as proof.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I looked up XXXX customer service on my search engine to dispute a transaction I made for some mud flaps for my car. The companies XXXX handle I bought the mudflaps from is called XXXX XXXX When I searched XXXX customer service the first number that popped up was XXXX ( XXXX ) XXXX. I called this number and the " rep '' asked what I was calling about. He had a thick XXXX accent. I explained the situation with the mud flaps and he told me that " looking at my account, he sees someone from XXXX has tried to access my account multiple times with multiple transactions. '' He then says let me get my supervisor " XXXX '' who spoke better English. He says XXXX " will work with me and the head of security to find out who is trying to access my account. '' XXXX comes onto the phone after I was on hold and says " to find these guys we need to re-create the transactions that we have blocked to your XXXX account as dummy transactions, so that we are able to find who is accessing your information. I have the security personnel with me listening to our conversation. '' He then tells me to download XXXX and screen share with him to see if my phone is being hacked. The XXXX app then says pay.palserver wants to share screen. I accepted. He also asks if I have a laptop and which type, as long as its not a XXXX. He tells me to type in a specific IP address but my security browser on the laptop blocks it. As I am screen sharing on my phone he says " go to settings -- -- privacy & security -- -- -analytics and improvement -- -- -- analytics data. Click that address. You see that code there? That is the code of the hackers. '' He then tells me to download XXXX and create a profile. To create a profile I had to take a picture of my ID and of my face for verification. I used my email and a password he gave me " XXXX. '' He then instructs me to search for the nearest ATM on my phone and we find a XXXX at XXXX XXXX XXXX XXXX NC XXXX. This whole time I am screensharing so he sees my where I am going because I am using GPS as I just recently moved to XXXX. Once I get there he tells me to click " make a transaction -- -- -click XXXX ( a XXXX company ) -- -- -put this code in -- -- -- type {$940.00}. '' The transaction is made at XXXX. I received a text at XXXX asking if I made the transaction at XXXX for XXXX? He says type YES. He then tells me to try {$1200.00} with the same process and he will generate another code. The whole time this has been going on he says not to talk to anyone or open my bank account mobile app because the hackers could see my information. The second transaction does not go through. He says " call the bank but merge me in the call. Do not tell them about the investigation because they would interfere with our process of catching the hackers. '' I call the bank and tell them it was me and to authorize the transactions. The bank says okay. I then tried other transactions for {$490.00} and $ XXXX between XXXX and XXXX. They did not work. When calling the bank I have to verify my identity with sensitive information. So I call again and the bank says okay and this time it works. The second transaction goes through at XXXX for {$1200.00}. Then the third transaction at XXXX for {$1900.00} and the fourth at XXXX for {$810.00}. The total amount was for {$4900.00}. At the time I had about {$5500.00} in my checking account. The entire time he kept reassuring me that these were not going through and to not open my account because they would see my information. He then said " I will work on things on my side and call you back in an hour. There was no call back after an hour so I call him and he says they are still working on it " on their side and will call me back in 30 mins. '' He even says you can call me privately at XXXX ( XXXX ) XXXX. I call once again and no answer. At this point after it is too late I realize I was scammed. The next day after the charges were posted I called Fifth Third Bank and told them what happened. I told them the truth and they said that because I made the transactions they could not refund me the money. I reported my issue to Identitytheft.gov, got a new driver 's license, put a credit alert through XXXX, and got identity theft insurance through XXXX so everything is being monitored. I also spoke to XXXX explaining what happened and took security measures through them to make sure my phone was not hacked.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A