Date Received: 2017-10-27
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: I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX AUTO FINANCE
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2017-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I fell behind with my mortgage with XXXX XXXX due to my hours being cut. I contacted XXXX XXXXXXXX XXXX who is a non-profit agency in XXXX XXXX, MI that offers free housing counseling. I met with XXXX XXXX who is one their housing counselor. He helped me complete a lost mitigation application & hardest hit fund application. I signed all of the paperwork including XXXX XXXX XXXX third party authorization and XXXX 's third party authorization. XXXX emailed the missing documents and third party authorization to XXXXXXXXXXXX & XXXXXXXXXXXX who was point of contact on XXXX/XXXX/XXXX. He also included me on the email. He got a call from XXXX on XXXX/XXXX/XXXX asking him for proof that I had a reduction in hours. She wanted paystubs from XXXX & XXXX. The hardship affidavit stated that no proof was required if underemployment was my hardship. I was n't sure if I could get the paystubs they needed on time because XXXX needed those documents by the end of that day. XXXX told XXXX that he could send her my XXXX & XXXX tax returns. There was a reduction from XXXX to XXXX. The paystubs I included showed that I was working less than 40 hours each week. I was moved to a different plant and I am expected to work at least 50 hours each week. XXXX submitted a letter from my employer explaining my new hours along with my tax returns. XXXX called XXXX to see if we were able to get the paystubs and he told that we were n't able to. She asked to email her the tax returns & letter to XXXXXXXXXXXX & XXXXXXXXXXXX on XXXX/XXXX/XXXX. We were able to get paystubs from XXXX to XXXX the next day XXXX/XXXX/XXXX. XXXX emailed those to XXXXXXXXXXXX & XXXXXXXXXXXX. I have attached copies of all the emails sent by XXXX to XXXX. XXXX explained to me that I needed to give them a few days to review my application. I sent XXXX an email on XXXX/XXXX/XXXX to see if he had any updates. He told me that XXXX XXXX XXXX ( Hardest Hit Fund ) was still reviewing my application. However, he could not get any updates from XXXX. XXXX told XXXX that he was n't authorized to get any information on my account on XXXX/XXXX/XXXX. They stated that they could not find a third party authorization on my account. He told the representatives that he had sent the third party authorization by email and that he had gotten 2 calls from XXXX regarding my account on XXXX/XXXX/XXXX. He asked to be transferred to XXXX and the representative told XXXX that her department was already closed. He contacted XXXX again on XXXX/XXXX/XXXX and both representatives told him that there was no third party authorization. He asked to be transferred to XXXX and they told him that there were some issues when dialing her extension. They provided him with her phone XXXX ext. XXXX and told him that they would send an email to her asking to call him back. XXXX did not get a call so he called her at XXXX. She told XXXX that she did not know who he was and that she never talked to him. XXXX gave her exact dates and times of his conversation and emails from XXXX/XXXX/XXXX. She had no notes of the contact she made with him. XXXX explained to her over and over again that he had already talked to her and that he was the one that submitted my documents. She was able to find the third party authorization and told XXXX that it was n't valid because his name was not written by hand but instead if was typed. XXXX & I both signed our names by hand. He typed all the information needed to make sure everything was legible. It looks like XXXX is giving us the run around. Why would 4 different representatives state that no third party authorization is on file and why would XXXX deny the fact she has already made contact with XXXX twice by phone. The first time she called XXXX she stated that he was calling him because he was the authorized third party on my account. I am 5 days away from losing my house. We have turned in everything they have asked for in a timely manner.
Company Response:
State: MI
Zip: 49509
Submitted Via: Web
Date Sent: 2017-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-26
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: This is about an INSTALLMENT LOAN, Maturity loan for the amount of {$48000.00} approx. My loan was dated from the year XX/XX/XXXX. I have been paying {$410.00} totaling 12 years X 12 months = 144 months, 144 X $ XXXX= {$59000.00} up until XX/XX/XXXX. However, my balance for INSTALLMENT LOAN still shows {$38000.00} approx. I received a call from 5/3 bank XXXX XXXX XX/XX/XXXX, stating if you will not pay your outstanding amount your house will go for FORECLOSURE, we will take legal action against you. When I asked them I have already paid {$59000.00}, how come the balance of loan amount is reduce by {$10000.00} and interest on that loan amount is 9.46 % please let me know what is going on? On XX/XX/XXXX I went to the branch office near XXXX and XXXX in XXXX, ILLINOIS XXXX at XXXX XXXX. I asked the banker XXXX XXXX for contract and calculation for my loan amount, she refused to give me the copy of loan contract she said is not printable, XXXX XXXX showed me on computer screen that {$48000.00} LOAN AMOUNT+ {$76000.00} INTEREST in 25 years, They did not answer me and have harassed me to see foreclosure. I am taxi driver in XXXX, Illinois. I humbly request you to look into my matter. I have never been behind in any payment.
Company Response:
State: IL
Zip: 60565
Submitted Via: Web
Date Sent: 2017-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have recieved multiple calls from a collection agency stating I owe {$340.00} to Fifth Third Bank. Upon asking for verification of the debt Im told it will be emailed to me. It never was. After calling back I was told they do not provide proof of debt, only payment arrangement letters. I wasnt able to catch the name of the company however the contact phone number is XXXX
Company Response:
State: KY
Zip: 41011
Submitted Via: Web
Date Sent: 2017-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have several inquiries that do not belong on my credit report such as fifth third bank, XXXX XXXX and several more.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2017-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was refused access to my online account because I refused to give their automated system a telephone number. They wish to contact me by telephone when they detect " unusual or fraudulent activity ''. I do not want them calling me or to monitor my account. I check my account everyday. If there is anything unusual or fraudulent, I will see it and report it. The problem is that when you see a problem ( usually in the pending section ), they will not act on the problem or allow a complaint until the transaction actually posts to the account. There has been more than XXXX occasion where foreign transactions that I initiated were stopped ; preventing me from making purchases for items I wanted. So, I do not want them to be making arbitrary decisions about banking transactions that they are not qualified to be making. Even the security questions they asked for me to answer did not apply to me or I simply could not answer. The XXXX question I could have answered ( What is your mother 's middle name? ), the system would not accept it. My mother did not have a middle name but an initial ; A. Their system would not accept it. Because of this, I am not able to access my account to be sure I am not going to be overdrawn ; which they will want to charge me for.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2017-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had nothing but problems when trying to make a payment with Fifth Third Bank. I 've had to request that my online account be reset multiple times due to problems with their website. I 've tried calling but the system wo n't allow me to make automatic payments over the phone so I have to wait on hold for a ridiculous amount of time, and often times I 've been disconnected and have to start the process all over again. All of these technical issues have resulted in some late payments, numerous late fees, and now my credit report has been negatively impacted. The last customer service person that I spoke with was also informed about my troubles when accessing the account. I tried making my payment on the due date and could n't access the account, she then ADMITTED to me that the website has been having problems. I asked her to remove the late fee that I was charged but she refused, even after admitting that the website has been malfunctioning. Because of the late payment the company has reported to the credit bureaus that my account as being paid late, and the result has been a drop in my XXXX XXXX. I 've tried working with the company but they did n't seem to really care about me as a customer or the issues that I was having. I will never do business with this company again. I plan to pay the card off and close the account. They have HORRIBLE service. I tried finding contact info for a department to file a complaint but had no luck.
Company Response:
State: IL
Zip: 60123
Submitted Via: Web
Date Sent: 2017-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a new credit card in XX/XX/XXXXand the criteria of the card is spend {$1500.00} in the 1st 3 months and we will give you {$350.00} within 6-8 weeks. I met the criteria XX/XX/XXXXand today marks the 8 week mark. When i reached out today through a phone call i was transferred 3 times then put on hold to be hung up on. i called at XXXX XXXX and they sent me an email at XXXX to tell me i met the criteria on XX/XX/XXXX 's billing statement. The email i received from them with instructions for the bonus says nothing about meeting the criteria at the end of a billing statement. They are telling me i have to wait another 6-8 weeks and this information was not relayed to me in the beginning or i would n't be making such a big deal of it. The customer service i 've experienced since i reached out to them XX/XX/XXXX has been horrible. I 've banked with them for years and i think i have found the reason why i should n't have opened my credit card with them. I will be closing this card once i am out of the clear with payments.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2017-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was instructed to submit my credit card for a {$30.00} deposit charge for my rental car. The car accident happened XXXX/XXXX/XXXX. I was not notified until after XXXX that they were unable to Locate her insurance XXXX and I was subsequently charged {$3300.00} for the rental car while they conducted their investigation. XXXX XXXX refuses to refund my funds due to XXXX error during the investigation. I received a letter from XXXX XXXX advising me if I had documentation that XXXX was going to pay for the rental car, I will be refunded my money that was unauthorized and taken out of my account. I submitted this evidence to XXXX XXXX by fax.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: This is a resubmittal of additional information related to Complaint # XXXX. Here is the original text of that complaint : I have a credit card issued by XXXX. This card was hacked in XX/XX/XXXX/XX/XX/XXXX. When I looked at my XX/XX/XXXX statement I saw a charge for {$110.00} that I didnt recognize. I called XXXX in early XXXX and said it looked like another fraudulent charge, similar to the several charges from the hack. XXXX issued a credit and filed a chargeback to the other company involved, Fifth Third Bank. However, a few days later I realized that the charge was in fact legitimate and contacted XXXX. They did the required paperwork to release the funds to Fifth Third Bank. This was in XX/XX/XXXX. I thought the matter was completely settled until I was contacted by the merchant ( XXXX XXXX ), as well as the merchants credit card servicing company ( XXXX ) in early XX/XX/XXXX. Both entities told me that the funds were never released by Fifth Third, and that I needed to pay XXXX XXXX in cash. I apologized for the delay, but explained that XXXX had released the funds in XX/XX/XXXX. Since then Ive been in frequent contact with XXXX, XXXX, and XXXX XXXX. XXXX and XXXX both told me I need to contact Fifth Third Bank to get my money back. I tried both emailing and calling Fifth Third Bank - horrible experience with zero results. XXXX told me today that I may have to take legal action to get my money. Based on the many negative reviews on multiple websites, this is a company that should no longer be in business, and perhaps a large class action lawsuit would be just the ticket. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subsequent to filing the original claim, and seeing that Fifth Third Bank has denied TWICE that this is their problem, I am providing additional information and documentation. 1. Screenshot of a secure email from XXXX indicating the funds were released to Fifth Third Bank on XX/XX/XXXX. 2. Screenshots of emails from XXXX also indicating that they had completed the paperwork to have the funds released back to me -- and to contact Fifth Third Bank.
Company Response:
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2017-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A