Date Received: 2018-02-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/18 I tried to make a weekly payment using XXXX with my Fifth Third Checking Account. I received an error saying for security reason, we can not make the payment. I called Fifth Third, and they were deceptive saying it's because I changed a phone number on the account. ( I just removed my work number from my account profile ) And because of that, I can not use this account for 30 days. I then requested to speak to a supervisor, and she said the same thing ( more deception ). As my frustrations mounted, she admitted that it's because I'm a payment behind on a credit card that I have with Fifth Third, which is beyond abusive. I can't believe they can do this legally. Especially not being transparent and telling me truth of matter.
Company Response:
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third Bank bought my mortgage from XXXX XXXX last year. The payment is past due after the XXXX of the month. I pay it through BoA by the XXXX every month, as I have with every mortgage in the past. Every month, Fifth Third calls and wants to put me through an extensive interview process to understand why my mortgage is late. The callers are all from another country, do not understand English well and when I try to explain that it is not late and has NEVER been late, they just keep following their process. This is outright harassment. I looked them up on Consumer Affairs site and they get ONE STAR. I have never seen any company get one star, let alone a bank. My question : " what is your office doing to hold this bank accountable in the State of California? ''
Company Response:
State: CA
Zip: 94941
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have a few fraudulent transactions on my 5/3 debit card. The real issue here is that I cant get through to them on the telephone. Im deaf, so I have to go through a relay service to contact them. Ive also tried their TTY number directly. It keeps disconnecting on me so I can never file a proper dispute. That being said, I received a fraud alert from the about a {$110.00} charge. I never made any such charge and checked my account online. There were 2 fraudulent ATM charges as well. I checked my wallet and I didnt have my debit card. Here are the fraudulent transactions ... XX/XX/2018 XXXX Withdrawal for {$800.00} XX/XX/2018. XXXX Withdrawal for {$350.00} XX/XX/2018. Two ATM fees of {$2.00} each Also, pending charge of {$0.00} from XXXX XXXX XXXX XXXX. This is was the merchant on the fraud alert. I did not make any of these charges.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: there refusing to let me speak to the underwriter i asked for an increase since this is my longest account opened they only raised me to XXXX when they gave my wife XXXX who has no credit and i always pay in full on time and i want my limit to be at lease XXXX
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I purchased a property which has a mortgage that was sold to Fifth Third Bank. Since that date I have received numerous letters from Fifth Third Bank regarding an issue with securing flood insurance on the property listed above. In XX/XX/XXXX I purchased a flood policy on the home with the maximum coverages allowed by FEMA. After waiting the 30 day waiting period required by the insurance provider the policy went into effect XX/XX/XXXX. I have since added Fifth Third as a mortgagee on the policy ( not pictured on provided declarations page ) even though I believe this flood policy to be elective on my part. The flood policy is written for a property in flood zone X. However, Fifth Third apparently believes the home is located in flood zone AE and is demanding I provide proof of flood insurance for a property in this flood zone. This is the crux of my issue. The home is not located in flood zone AE, but is correctly located in flood zone X. Since XX/XX/XXXX I have been contacting Fifth Third Bank about this issue using the email contact information provided on my statements. I have also called the numbers listed for the insurance service center department as well as direct numbers to Fifth Third Bank. Each time I have contacted I have provided a Letter Of Map Amendment ( LOMA ) that was provided to me at closing stating from FEMA the home is located in flood zone X. After providing the LOMA, I have been told by both the insurance service center and Fifth Third directly, but verbally, that the issue has been resolved, yet I continue to receive written correspondence from Fifth Third stating otherwise.
Company Response:
State: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our Mortgage loan was transferred or sold to Fifth Third Bank XX/XX/XXXX. We have letters from both banks stating that nothing would change except were to make payment. On XX/XX/XXXX we received a request from Fifth Third Bank for proof of flood insurance. We had never been required to have such insurance and we told at our closing on XX/XX/XXXX that we were not in a flood zone. I went in person to a Fifth Third bank with this information.The bank continued to demand we had to have flood insurance. They actually purchased forced flood insurance for us. All the time I kept calling and talking with multiple bank employees. Our realtor also contacted the bank about this matter via E-mail but got no response. I finally reached a bank supervisor who took my information and worked on it for about1 month. We proceeded to purchase our own flood insurance because we could get it cheaper and after faxing, calling, E-mailing and finally sending a registered letter. I received a letter from Fifth Third bank on XX/XX/XXXX stating we no longer needed flood insurance. I am currently in negotiations with the secretary of Fifth Third Bank. I have had months of Frustration They have cost us extra money by raising our house payment by over 100 dollars and charging us for insurance we did not need. I am concerned that this bank doesn, t know what they are doing. If we had not the funds for these demands I don, t know what would have happened! This is our home and If this could happen to us it could happen to anyone!
Company Response:
State: IL
Zip: 60445
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: Tried to buy 2 tickets to an XXXX game through XXXX. Found a guy, gave me a name, email address and i sent the money via XXXX. He then stopped all communication
Company Response:
State: MI
Zip: 48073
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: We have a XXXX XXXX XXXX financed with Fifth Third Bank. We received a letter from Fifth Third Bank on XX/XX/XXXX stating they were notified our auto policy was no longer in force and either we or our agent needed to send evidence of our current insurance. Since we have never had our policy cancelled, we contacted our agent on XX/XX/XXXX and asked them to contact Fifth Third Bank to find out why we received this letter. Our agent contacted Fifth Third Bank on XX/XX/XXXX and spoke with XXXX who requested a copy of our policy be faxed-no email and was advised by Fifth Third Bank that once the policy was received, it would take 2 days to process. On XX/XX/XXXX, we received another letter from Fifth Third Bank, again advising either we or our agent needed to send evidence of our current insurance. This time, we faxed a copy of the policy ourselves to Fifth Third Bank on XX/XX/XXXX. On XX/XX/XXXX when we were online to make our payment, we noticed an item on our loan dated XX/XX/XXXX that simply stated " Finance amount '' for {$2900.00}. We also noticed that our normal payment due was listed as {$820.00} rather than the normal amount due of {$490.00}. We contacted our agent again on XX/XX/XXXX and informed them what we discovered on our account and asked them to contact Fifth Third Bank again to find out what was going on. Our agent contacted Fifth Third Bank that day and was told that Fifth Third Bank was not listed as the " Loss Payee '' on our policy. Our agent advised them they were but agreed to fax another copy of the policy to Fifth Third Bank showing they were indeed listed as the Loss Payee. Our agent was advised that it would take 5-7 business days to credit our account. Our agent followed up with Fifth Third Bank on XX/XX/XXXX and spoke with XXXX who stated they received all the information needed and that it was processed on XX/XX/XXXX and that it would take 5-7 business days before we would see a credit. We have checked our account on a daily basis since then but we have not been credited the {$2900.00} and our account still shows a current payment due of {$820.00}. We have contacted Fifth Third Bank ourselves on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to inquire why our account has yet to be credited and each time we are originally told they don't have any record of receiving a copy of our policy and when we tell them Fifth Third Bank has already admitted in past calls that they have received it, they suddenly see where it has been received and then will give the same answer of " it's being processed ''. During our XX/XX/XXXX conversation with the insurance services department with Fifth Third Bank, they stated they had sent the request to the Fifth Third Bank 's customer service department to credit our account. We requested a conference call with the customer service department. During this conference call, both departments were arguing with each other, the insurance services department saying they sent it to the customer service department and the customer service department saying they never received it and nothing was resolved during this call. As of the date of this complaint, XX/XX/XXXX, our account as yet to be credited. In the meantime, our account is being charged extra interest on the {$2900.00} and now late charges as we continue to only pay the normal payment amount of {$490.00} rather than the requested amount of {$820.00} which will eventually affect our credit. This practice of " Lender Placed Insurance '' should be an illegal practice for these banks or at the very least there should be stricter guidelines placed on the process. XXXX XXXX has been fined for their illegal practices regarding the " Lender Placed Insurance '' and hopefully, Fifth Third Bank will be fined as well.
Company Response:
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.
Company Response:
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am currently in foreclosure mediation. Please take the time to read my attached PDF file. THANK YOU!
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A