Date Received: 2018-02-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX i paid my XXXX XXXX Bill with my bank card. The amount was : Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Fith THird bank claims they didnt process it when I I disputed some other chrages on my card. Fifth Third said that the payments was pending. But never told me they were paid. After 14 days they ( Fith Third ), charge back my payments and casued my account to be in the negative as of now. I'm very upset. The people at XXXX XXXX have received their monies since XX/XX/XXXX and not Fith THird is trying to hold me accountable for these payments that was made and thye screwed up. I'm asking for my account to be in the positive and hold them accountable for the monies that thye should have paid to my XXXX XXXX account..
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX I tried several times to make an online payment, and to call in and make a payment. They kept saying there was a system error and that I needed to go to a local 5/3 location to pay. I don't have a local 5/3 location. Every time I tried to pay them I got this same error. I called and spent hours on the phone and they could never help me resolve the problem. buy the time I was able to make an online payment. it was considered late. and they charged me a late fee and reported me delinquent to the credit reporting agencies. This has happened several times in other months as well. Unfortunately, in this case it was to late for me to mail a payment. I was finally able to make a payment XX/XX/2018 for XXXX. but I was trying to pay the balance in full. It would not let me make a larger payment. I feel like 5/3 is intentionally causing error to get late fees. or in the very lease being negligent in addressing the issues to help clients make their payments. I spent hours on the phone. I have never had a 30 day late. and this is the second time it has happened with 5th third. both surrounding the same circumstance. they refused to correct the credit, and told me they don't save the notes. I paid the remaining balance of by mail, immediately after.
Company Response:
State: MO
Zip: 63017
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized XXXX credit inquiry unauthorized on credit reports XXXX refuses to remove them told me to contact them myself. I contacted them and they are not removed from XXXX credit report. My information was compromised from XXXX data hack. Someone was using my identity.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2018-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mother has a mortgage with Fifth3rd bank since XX/XX/XXXX. At the time of closing on her new home she and my dad purchased Mortgage Protection Insurance. The insurance would pay off a mortgage at the time mortgagees passing. Fast forward almost 20 years later, XX/XX/XXXX, My dad XXXX. After everything settles we contact Fifth 3rd, immediately get the runaround. After what seems to be a lifetime of transfers and dropped calls, we learned very quickly that no department communicates to the other. Our Initial question was how could we go about making a claim to have the mortgage paid off. We were told they no longer acknowledge that product and we should have been reimbursed. Our next question was when was she reimbursed and what was the amount. No answer was given. Out of frustration we asked the pay off on the mortgage we were told XXXX. We were floored my moms mortgage with XXXX? ... .when the purchase offer home was XXXX back in XX/XX/XXXX. Fifth3rd refuses to acknowledge that accounting error. After reading the message boards we realize accounting errors are a very common practice. We have submitted " QWRs '' with the hopes of them recognizing the accounting issue, to no avail. We even had a lawyer contact them, who has been totally ignored as well. The stress of it all has caused my XXXX to XXXX. To the point the that XXXX that I donated to her is now damaged. She is now XXXX and is being considered for a XXXX. I just dont want my moms last days here, stressed of how to pay for what essentially could be two homes. How many others are dealing with this chaos.
Company Response:
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2018-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This is in regards to 5/3 bank checking account offer which states, " Essential Checking account must be opened between XX/XX/XXXX and XX/XX/XXXX. To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening [ criteria 1 ] AND maintain a {$500.00} minimum balance for 60 days [ criteria 2 ] ''. I called Fifth Third bank today, spoke with XXXX in XXXX, OH at XXXX, who informed me that I no longer qualify for the {$300.00} bonus because my balance had at some point fallen below {$500.00}. I explained to her that I still qualify for the offer because I completed criteria 1 and am still able to complete criteria 2 because criteria 2 does not say at what point in time criteria 2 needs to be met - For example, a certain number of days from account opening or a certain number of days from when you make the initial {$500.00} deposit. In my particular case, I opened a 5/3 Essential Checking account on XX/XX/XXXX and provided them with the offer code they had sent me. On XX/XX/XXXX, I made my first deposit of {$500.00} or more ( meeting criteria 1 ), then I withdrew money causing my balance to go under {$500.00} ( which I argue does not disqualify me ), and then I brought my balance back to {$500.00} on XX/XX/XXXX and have maintained it at {$500.00} or more ever since. On XX/XX/XXXX, 60 days from XX/XX/XXXX I will have completed criteria 2 and should be given {$300.00} from Fifth Third Bank. Had the language in the bonus offer stated, " To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening AND maintain a {$500.00} minimum balance for 60 days from the date of the first deposit of {$500.00} dollars or more '' then they would have reason to disqualify me. But that is not what it says. At the web address below you will find their current offer with the same language as the prior offer just different dates as to when the offer expires and current offer is {$200.00} instead of {$300.00} when I signed up : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60439
Submitted Via: Web
Date Sent: 2018-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2016 I transferred money out of a joint account with my husband since he was stealing my inheritance in large chunks. I opened an account online in my name along with a friend to meet insurance issues ( two people on the account in case something happened to me. On XX/XX/2016 my husband went into Fifth Third Bank XXXX, TN and as he leaned over the teller desk some, the teller turned her screen to let him view my account, MY ACCOUNT not his. I was recovering from XXXX XXXX at the time. In a few days I moved the money back to our joint account but that's not the issue. When I was well enough, I wrote checks to other banks to deplete funds there but first I gave them three weeks to simply open a {$1000.00} savings account for my friends first grandson as a gesture of making things right for both of us. They refused so I moved all money. This has ended in a divorce between my husband and I and him taking {$440000.00} from me. I first reported this to the FDIC and they suggested bringing it here. FDIC however reported it to the bank and I got a letter stating that I was in the bank with my husband which was a complete fabrication unless he had another woman with him and I don't think so. I responded to them that I was not in the bank. I have yet to hear anymore. I expect them to reimburse my {$440000.00} in lieu of a lawsuit. In the meantime for the divorce proceedings, I am in need of statements from my accounts and it's like pulling teeth. Fifth Third Bank breached my privacy and I want things made whole for me or I will seek litigation. XXXX XXXX is the branch manager and greets me with discourtesy when I enter the bank. XXXX XXXX in the office of the president has been getting me copies however it has taken 4 or 5 batches to get everything. The least they should do is get me statements without a hassle. Bottom line, Fifth Third Bank breached my privacy causing me a divorce and {$440000.00} plus now {$20000.00} so far in legal bills. Short of a lawsuit, they need to make {$500000.00} up to me now without any more stalling or deceitful acts. Sincerely, XXXX XXXX XXXX I will call for their charter to be revoked in a lawsuit and this manager and the teller to lose their jobs. They have caused extreme and unusual stress in my life. XXXX
Company Response:
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2018-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: To whom it may concern, OnXX/XX/XXXX We received a Fifth Third Credit card statement Trio Credit Card, dated XX/XX/XXXX to XX/XX/ in my husbands name, with a XXXX balance.This credit card in my husbands name was opened up on XXXX. My husband never applied for this credit card at Fifth Third Bank in XXXX XXXX Illinois, so we called the credit card Fraud department at Fifth Third, and explained the situation and closed the credit card down due to fraud. We then asked if any other cards were opened up in his name, or my name and they told us that a XXXX XXXX rewards card was opened up in my name on XXXX and told them this was fraud as well and to close it down.My husband and I NEVER received an official credit card in the mail, nor did we ever receive any statements except for the one dated XX/XX/XXXXto XX/XX/XXXXin my husbands name which alerted us to these credit cards being opened up fraudulently. Both of these cards were opened coincidentally the same day as our loan was opened by XXXX XXXX manager at Fifth Third in XXXX XXXX, which makes me believe someone at XXXX XXXX in XXXX XXXX opened up these cards fraudulently. The manager at the time, XXXX XXXX was fired from Fifth Third Bank in XXXX XXXX which makes this even more interesting.Not only did my husband and I find out we had these 2 cards opened in our name, but I had 2 other cards opened in my name from Fifth Third Bank, and my husband had 1 other card opened up at Fifth Third in a woman 's name using my husbands social security number. It is our belief that all these fraudulent credit cards were opened up so that the person who opened them up at Fifth Third Bank ( in XXXX XXXX )? " got bonus points '', or extra money for doing this. Why would all of these credit cards be opened up if my husband and I never received an official card to charge with? We would advise ANYONE NOT TO OPEN CREDIT CARDS UP AT FIFTH THIRD BANK due to what happened to us! We reported this to our local police department, The XXXX FBI, and the FTC in XXXX. No one should have to experience this, but unfortunately this has happened to us since using Fifth Third Bank in XXXX XXXX, Illinois.
Company Response:
State: IL
Zip: 60045
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Lost or stolen check
Subissue:
Consumer Complaint: XX/XX/2011 I had 2 cd accts I used to have a cashiers check made to XXXX XXXX and XXXX in the amount of XXXX XXXX. since then i was made aware that the funds were never signed or cashed, nor applied to my house. i have proved to 5th 3rd that I had those funds and the agent from the bank all but called me a liar. I told her what I had and it as recently they admitted i had put the overage of the cashiers check into my checking account. I have not been with that bank in years and also the branch I got the check from doesn't exist because of the new bank that was built. I received absolutely no help from the customer service people and the VP office I made complaints to. I filed a complaint with the consumer 's protection site and the bank responded to me and not to them. No one from the VP office except one lady has called and sent me some paperwork. All she sends is information on my checking account. The bank has no copy of the check, i got no receipt, no one has signed or cashed the check. My husband will attest to the existence of the check, if he had cashed it he would not come home. XXXX states they never received the check. There was an employee of XXXX that heard my husband state he took the check to the XXXX XXXX, so did husbands girlfriend. I am/was working with XXXX XXXX at 5th 3rd who was rude, and various people that managed to be promoted or whatever. I am XXXX years old partially XXXX but trying to work and that money is missing and is all i have to show for working all my life I now have proof, thru XXXX XXXX, a paper XXXX XXXX sent about the other XXXX XXXX put into my checking account and a notarized letter from XXXX XXXX XXXX
Company Response:
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: After an error with fifth third 's direct deposit I found myself facing a possible foreclosure in late XXXX. My wife at the time was in charge of our finances and did not catch the error because she thought the payments were coming out automatically and we had plenty of money then so she didn't think twice about it. I submitted an application for assistance but it was taking so long to process that we had to borrow {$10000.00} from her father to pay of the back mortgage, fee 's, etc. My wife 's error in not checking our account unfortunately lead to the start of our divorce. Soon after we made the payment to the bank we went to check on the condo since we hadn't heard from our tenant. The tenant had received a foreclosure notice and had moved out. When she left she stole all of our appliances, ceiling fans, cabinet droors, light bulbs, ruined the carpet etc. I had no money to fix the place up so and going through a divorce so I could not make my payments. I submitted an application in XX/XX/XXXX asking for assistance. When it came back I called in to see if i could do a deed in lieu and the rep said he would process it. After that i received a letter that i didn't understand so I got my lawyer involved and he said we had til XX/XX/XXXX for a hearing. Then i received something in the mail in XX/XX/XXXX saying a hearing was completed and that my condo was being foreclosed. I then asked for help again, hired a realitor, and wanted to do anything i could to stop the foreclosure. The bank said i needed to submit another application for assistance so i did in the beginning of XX/XX/XXXX. My realitor received offers and kept calling to see if they would accept a short sale with waiver but no one would ever call her back. I had given her permission to speak on my account but no one would ever call her back. Finally someone called her back and told her that they needed another application for assistance by the end of the day. These applications are very time consuming and i had just submitted one less than 30 days ago. The original one i sent in had everything the needed so i felt like i was getting harassed at that point. I decided to take off work, fill out another application, get all the documents they needed and i sent it back over. I just got the results back and they are offering me a loan modification but there are 2 problems with that. 1. I received it Friday XX/XX/XXXX when i got home from work. It said that the decision was due by XX/XX/XXXX which was that Monday. Monday is a bank holiday so how could i get it back by then. My lawyer would not get a chance to review it and so on. Then the verbage said i needed to have everything in 37 days from the date of the foreclosure which had already passed. I feel like this was a cruel joke and after all i have been through it just broke my spirit. It said short sale and deed in lieu where not applicable because they had offered me something else. I specifically this entire time have been asking for a deed in lieu and if not maybe a short sale with a waiver. I have two friends both in the same situation and their banks had give one a short sale and the other a deed in lieu but here i am getting the run around and getting beat down by a bank that doesn't seem to care about a persons life or situation. 2. I turned in a budget and my financials to the bank. I don't have any money so the solution they offered me would not work since i don't have any money for any mortgage no matter what the modification was. Its like they didn't even read my application or hardship statement. I feel like i am being discriminated against. I paid twice what the property was worth before the market crashed, paid interest for 10 years, paid {$10000.00} cash, and when i couldnt pay the mortgage i hired a realitor and have a good offer on the property. Why is fifth third not willing to help me? How many other people get help. I paid every bill on time my entire life until this. I always tried to do the right thing and here i am about to file bankruptcy. The bank would get less in a foreclose so why wouldn't they accept an offer that we had gotten for the bank especially after understanding my situation. I am broken because of this and just want someone with some compassion and understanding to help me out. My hardship statement will be attached and also the letter i received from the bank giving me no time to respond back to them. I am also thinking about taking this to the media since i know people who received help that were way better off than me. I have done everything asked of me and devastated that i will have to file bankruptcy over this.
Company Response:
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2018-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a thirty year ARM ( adjustable rate mortgage ) with Fifth Third Bank. The mortgage was given in XX/XX/XXXX with an annual rate adjustment every XX/XX/XXXX. There have been no problems with this process and I have never missed a payment in 12 years. Last year I received my " change of rate notification '' letter in XX/XX/XXXX. This letter stated that my then current rate of 3.5 % would change according to the agreed upon formula to the new rate of 4.00000 %, effective with the XX/XX/XXXX payment. The monthly payments would now be {$1000.00} until the next scheduled adjustment in XX/XX/XXXX. We have an Auto-Pay arrangement and Fifth Third draws the exact amount from our XXXX XXXX checking account on the XX/XX/XXXX. My monthly paper statements reflected this rate through XX/XX/XXXX. In XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me that the Bank discovered an error on my account and that the interest rate disclosure statement should have been 4,125 %. However, my payment would not change and Fifth Third will pay the difference between the two rates until XX/XX/XXXX. In XX/XX/XXXX I noticed that my credit rating dropped 89 points from XXXX to XXXX due to an alleged " missed '' mortgage payment! The Bank statement send to me in XX/XX/XXXX is a total mystery to me. For the Due date of XX/XX/XXXX alone, there are six entries with various codes, some of which are not disclosed. My attempt to get clarification via phone conversations with four different persons has resulted only in more confusion. The bank has since then acknowledged that they reported the missed payment erroneously to the credit bureau and issued a letter of correction. While the Bank has acknowledged that they made a mistake and my payment would not be effected, they are calculating with the 4.125 % rate and therefore getting different P/I amounts which are effecting our outstanding Balance. My calculations at 4 % interest differ from the Banks calculation by {$71.00} as of XX/XX/XXXX.
Company Response:
State: MI
Zip: 48309
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A