Date Received: 2017-11-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In late XX/XX/XXXX we received a letter from Fifth Third Bank advertising a {$250.00} bonus for opening a new Money Market account with the bank and depositing at least {$25000.00} in new money into the account. I initially attempted to set up an account on-line however I received an error message that the code on the bottom of the letter was invalid. After several attempts to open the account using different variations of the code ( upper case, lower case, is that an O or a XXXX ) I called the customer service number listed the Fifth Third website. The customer service representative had not heard about this promotion, however he made a number of attempts to input the offer code but got the same result that I had previously. He suggested we visit a local branch to resolve the issue. On XX/XX/XXXX we went to the XXXX, IL branch of Fifth Third and opened a new money market account and deposited over {$50000.00} in new money into the account. The bank representative attempted to use the offer code on the letter, but that did not work. She then tried using a generic offer code from an internal document in her possession, that did not work. We left the branch with confirmation of our deposit but no resolution as to the fate of our {$250.00} bonus. The bank representative said she would resolve our issue and inform us when it had taken place. To date there has been no communication from the bank and my calls have gone unanswered.
Company Response:
State: IL
Zip: 60188
Submitted Via: Web
Date Sent: 2017-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My case was in 2011 where I had a checking account at 5th Third Bank, XXXX XXXX XXXX branch. I had the account connected to my XXXX account. I was making an international call on XXXX, which had enough money for that call. At that time I was not aware that XXXX automatically charges the debit card when the calling money runs out. XXXX did try to bill my card but it did not go through because I had insufficient funds in my account. The bank went ahead to charge me for overdraft and daily overdraft accumulation. I was n't working at that time since I had just moved to XXXX from XXXX. However, I tried everything in my power to resolve the issue with the bank to the point of selling XXXX XXXX but it never helped to stop the daily charges. I went to the bank to try and resolve the issue with the manager but he said " it was company policy ''. I am writing today because a XXXX XXXX XXXX, I suspect he works for a collections company at phone number XXXX contacted me about this issue and threatened to take me to court. They opened a case for me at their company case number XXXX and told me to settle for {$800.00}. I understand the overdraft just as I did then. I tried to resolve the issue then but the bank was only concerned with making money on a poor soul. I thought this was over the time the bank closed my account but here it is. I do n't think this is justice and fair. I need help on what to do or even legal representation if worse comes to worse. The bank did not pay for my XXXX credit. XXXX dropped the call because of insufficient funds. So, why do I have to pay $ 800+ on a product I did not consume? Please help, XXXX XXXX
Company Response:
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2017-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a credit report attributed to me ( my credit report ) from XXXX and XXXX. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2017-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX XXXX a Teller with malice and malicious intent berated and belittled me and accused me of fraud. She refused to allow me access to my checking ACCOUNT. The first teller I spoke to was preparing a cashier check for me with no issue. But this next teller XXXX XXXX had person intent on preventing me from access to my funds for personal reasons. This bank has issues with minorities and was sued in XX/XX/XXXX and lost for illegal activities related to XXXX and XXXX XXXX bank clients. This teller had several other options, she could have done a partial disbursement, but instead she decided to use condescending tone against me. No one called me or advised from the bank that there was any issue with my account. On XX/XX/XXXX I spoke to the bank manager regarding my account and he had no issue with me or my accounts. Then when I encountered this teller, XXXX XXXX, she looked at me and was determined to harm my by calling the corporate fraud department and filing a report without my consent or permission. From the time I arrived at XXXX XXXX to XXXX the teller XXXX XXXX left me in an office an took 3 or more personal phone calls on her personal cell phone. She came back into the office and said You are not going to get any money from me tonight. I do not feel comfortable give you any money XXXX requested onerous documentation from me that was not necessary and refused to allow me to speak to a manager. XXXX was determined to embarrass me and deny me access to my checking account, she was rude and unprofessional towards me. She spoke in a tone that was denigrating and she besmeared my reputation with the bank. She asserted that I was a liar, and lying about my identity although I have used this branch multiple times without incident. She determined that I was not going to have access to my funds and she repeatedly refused to explain why she refused to give me my funds in my personal checking account. XXXX for malicious reasons then proceeded to close or cancel out my accounts that had been open since XX/XX/XXXX without my permission or consent. I have paid off my loans, my accounts have never been overdrawn and I paid off my credit cards. Still this teller felt that I had to prove to HER prove to her where I make my living. At XXXX XXXX XXXX made contact with the Consume Fraud office minutes before they closed and added fraud hold to my credit card without my consent. This Representative of Fifth Third acted with malice intent towards me ( a minority ) purposefully placed a fraud hold knowing the Fraud department would be closed and I would have no way to know why my account was frozen. This teller placed this hold without my express written consent. I was basically reported to the bank fraud department as a criminal that had criminal activity. This teller could have chose other options, but she made a personal decision to report me and close all my account access. Now just before a holiday this bank has taken my funds and I will not be able to have a holiday with no funds with my family. This teller added a fraud hold to my checking account based on her own malicious intent without my consent and for no reason as there was no fraudulent activity This teller as a representative of Fifth Third Bank, used her job to purposefully and with malice restrict me from my own person funds.
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2017-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my credit one time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX we remortgaged our home with Fifth Third Bank. At the closing we were presented with a mortgage insurance. We were told that this was necessary. Our credit was not bad by any means. But we do own our own business and the debt ratio was a little high. ( we were told ). We were told that the mortgage insurance would drop off at 80 % automatically. Or five years which ever came first. I have called every year wanting to know when that would be and was told not to worry it is automatically. In XX/XX/XXXX, after numerous called and was given several different answers, was told that I needed to but this in writing. I immediately did so on XX/XX/XXXX. I called two weeks and was told that they did not get it so I re-sent it again on XX/XX/XXXX. I was told that they would go back and reimburse me. I called XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. The last call I was told I would not be reimbursed and am still getting charged the mortgage insurance to date.
Company Response:
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Charges for overdraft on transactions that were dated previous to a larger transaction and that happened XXXX to 5 Days preciously. Credit card payment posted on the XXXX/XXXX/XXXX by the credit card company and being charged on overdraft fee 4 Days later. No ryme or reason to how charges are posted other than they process large transactions first regardless of the date the transactions are received.
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Allegedly XXXX bought my mortgage in XXXX. I have yet to receive any statements in the mail. XXXX keeps calling my phone and hanging up. I filled out autopay fax form and sent it in with no response. XXXX fails all security setting. Site does not allow me to use a username name to login. They require me to fax stuff, it not 1980 anymore. And I get zero responses.
Company Response:
State: IL
Zip: 60654
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I received a late pay in XXXX ... I made a payment but due to the incorrect classification of the account the payment was returned. I was never notified by the bank. The following month I go online to make a payment and there are two payments due. I immediately made ( 2 ) payments to corrrect the mistake. It was reported to credit bureau a few days later so i called 5th Third back in the hopes of getting this removed with no success. I disputed the late pay with the bureaus as I did make a payment & the money was there. 5th Third then came back and instead of the one late pay added for more that were related to a payment deferment that was processed late. The action case off as very unreasonable and spiteful. I have contacted the company and disputed all the late pays with no success as of today.
Company Response:
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2017-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A