Date Received: 2017-10-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My wife and I obtained a vehicle loan through Fifth Third Bank in 2016 for the purchase of a XXXX XXXX XXXX. In XXXX 2016, I set up auto-pay with Fifth Third so that our monthly payments would automatically be paid. This was set up directly with Fifth Third, not through our own bank. Since that time, I have had to set up Auto Pay three more times, but they keep missing payments, or applying payments late through their own system. To rectify the situation each time, I have to call Customer Service, who has told me every time that I am enrolled in Auto-Pay and they do n't know what the problem is ; then I have to call Auto-Pay, who also says they do n't know what the problem is. At this point, I have spent at least three hours on hold with Fifth Third trying to get late fees and penalties removed from our account ( I am actually on hold with them right now ). They have stated several times that I am a month behind, so I have made manual payments over the phone.
Company Response:
State: MO
Zip: 63141
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Today,XX/XX/XXXX Fifth Third Bank repeated a process for I recently file a complaint with CFPB. Approximately XXXX XXXX today I noticed a gentleman going around to the side of my home as if he were looking for something. As I came to the door and he was coming up to my door he was asking my neighbors if anyone lived at my address. As I meet him at the door the gentleman said that he was here because he had an order to secure my home but he did n't know that my home was occupied so he would leave as happened before for which I filed the first complaint in XX/XX/XXXX case # XXXX. The gentleman although not the same person as before stated that it was a good thing that I was home because he had orders to break into my home and change the locks just as before. I asked the gentleman to hold on for just a moment and if I could take a picture of his order. The order is attachment in this complaint. The order came from Fifth Third Bank which again involved XXXX as before, this time along with the gentleman stating that he was from XXXX. Whomever is sending out these orders are well aware that they are asking these companies to break into people 's homes and it is not because they again as before have taken any real effort to know that a property is abandoned, just behind in mortgage. What Fifth Third Bank is doing is engaging these companies to perform illegal collection tactics/harassment and it is not only wrong but dangerous to break into homes not assuring that they have been abandoned but simple behind in mortgage. From what I have read Fifth Third Bank is among several Banks using the same tactics around the country, State to State. Last time I was told by the bank that they need not make any contact with me when I asked why someone could not have simply called me on the phone or come to my home other than to break in when I am at home most of the time. I have never experienced anyone around inspecting my home, yet Fifth Third Bank insist that the home is inspected when even one month mortgage payment is behind. I am then charged a {$12.00} monthly fee each month for which fees now amount to more than the {$220.00} that is all that is currently owed to Fifth Third Bank in mortgage. In fact, my grace period date is the 15th of each month and I have someone at my door today to change my locks, XX/XX/XXXX? So I was n't yet even actually late this month. I missed a payment in XXXX of this year for which I have been paying from behind the last few months. I had planned to make that last payment before the end of this month to get back on track but again have someone at my door today to change my locks before I could. It is a simple matter with Fifth Third Bank that to go behind one payment that is not caught up within 3 months of missing that payment they are allowed to break in the home and change the locks. Not that the home was inspected and found to be actually abandoned, but because three months went by without catching up a payment. Actually, that is just the legal excuse for which they rely on the clause in their contracts that they can secure the home as to their interest after three months. Which is actually illegal without due diligence of assuring that a home has been abandoned. So Fifth Third Bank aggressively exercises their right to the clause as a collection tactic to harass and scare people into paying what 's owed and not falling behind because you can come home and be locked out as well as your home processions taken from you. And it 's done under falsification that the home has been abandoned. This is one of the worst things that I have ever seen and that you can do to people that are struggling to make it. Somebody actually needs to be jailed for this. There has been no foreclosure proceedings whatsoever on my home yet I been through this twice now. Lucky that I was at home so my home was not broken into and I locked out of for {$220.00}. These actions have only become a shortcut and means of avoiding timely foreclosures for which there are proper laws for and these people of banks and companies need to start going to jail for least violating property rights. Ohio law section 1303.31 makes clear that factors must be met and true by clear and convincing evidence of the following : Utilities have been disconnected ; ( No Effort by Fifth Third ), Doors are smashed in on the property ; ( Non such at the property ), window panes broken and unpaired ; ( Non such at the property ) ; however, you will find in the order submitted for evidence first reads ; " broken glass removed from interior and exterior areas and replaced. '' ( Non such at this property ), the XXXX workers looking for them before coming to my door. So now there is falsification of evidence within this order when there is no such evidence. The inspectors are fraud as well and rarely get out of their car if they come at all. These actions are being taken against people simply trying to live, struggling to make it who have fallen behind. These banks have no shame, but regardless of the money they may have to fight these issues in order to shortcut people 's rights and keep making money, there are those that will give everything that they have to fight it. That is why I am reporting to these agencies such as CFPB who are vital in the fight and should not sit by willing to allow these injustices but continue to make these banks and companies answer the hard questions of what they are actually doing. As far as the banks are concerned they continue to win when they lose because they still get to keep the majority of what they take so ( so what they figure ).
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2017-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XXXX/XXXX/XXXX I bought 3 X 5 year CDs from Fifth / Third Bank ( Required was a savings acc. with a {$1000.00} minimum and a checking acc with a {$500.00} minimum ) XXXX/XXXX/XXXX my savings acc. charged 2 X {$5.00} / My checking acc charged 3 X {$5.00} both for 'dormant fees ' No notice or warning was given. I 've never heard of a dormant fee.
Company Response:
State: FL
Zip: 34668
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: A wire transfer of XXXX from a XXXX Bank to 5/3rd bank in XXXX Kentucky was initiated on on XXXX. A typographical error caused the transfer to be rejected. The teller at 5/3rd bank, XXXX XXXX XXXX, was placed in direct contact with the XXXX Bank. XXXX XXXX instructed the XXXX institution on the exact name of the bank and routing numbers to use in the second attempt at the XXXX wire transfer which was placed on XXXX. The information provided by XXXX XXXX resulted in the monies being routed over an intermediary bank, XXXX XXXX. The wire transfer failed and a subsequent Federal Reserve investigation ( attached ) revealed 5/3rd rejected the transfer due to 5/3rd as " XXXX - No Account / Unable to locate Account ''. On XXXX XXXX was returned to the XXXX account after the failed transfer. A third attempt at the transfer with the exact same information resulted in a successful transfer. 5/3rd was contacted via telephone to understand why a difference of XXXX was returned. The customer service agents hung-up on three consecutive phone calls. On the fourth phone call, a customer service representative named XXXX XXXX asked if I was familiar with wire transfer fees. When I responded affirmatively she tried to explain that the difference was a fee. When I pointed out that a {$750.00} fee for an unsuccessful transfer was a bit outrageous, she terminated the phone call. Multiple contacts with XXXX and her manager XXXX XXXX, XXXX at 5/3rd in XXXX, Kentucky resulted in not further information or resolution. An inquiry was started with XXXX XXXX with XXXX XXXX XXXX. After 1 month of seeking resolution, 5/3rd and XXXX XXXX became unresponsive and did not return phone calls or seek further resolution. The XXXX institution also attempted to contact XXXX XXXX XXXX, but he was unresponsive to their attempts at contact, as well.
Company Response:
State: KY
Zip: 40601
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: On XXXX/XXXX/XXXX at XXXX pm I made a deposit for {$700.00} at the ATM of the Fifth Third Bank office in XXXX Ohio XXXX XXXX XXXX XXXX, XXXX, OH XXXX where I have my account, the ATM did not make the deposit and he also did not return the money but gave me a receipt where he says that due to technical problems the deposit could not be made nor the money returned, I filed the complaint and the bank gave me the amount in credit while the dispute was resolved, after 30 days I received a letter saying that I had lost the dispute and therefore I had to pay the money they gave me in credit, I made a second claim and after another 30 days I received another letter with the same resolution, that I had to pay the money given in credit. It should be noted that I faxed a copy of the receipt provided by the ATM to me on XXXX/XXXX/XXXX at XXXX pm, I have complied with what the bank has demanded on my behalf notwithstanding they still I have proof of the error of their machines they insist that it 's my fault, they closed my bank account and they passed me to a delinquent collection department
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: TENS OF THOUSANDS OF DOLLARS MYSTERIOUSLY DISSAPEARED FROM MY ACCOUNT UNBEKNOWNST TO ME. AND AFTER NUMERIOUS ATTEMPTS TO OBTAIN ANY BANK STATEMENTS AND FRADGULENT CREDIT CARD PURCHASES FITH THIRD BANK REFUSES TO RELEASE TO ME MY BANK STATEMENTS ... ..AS IN NO BANK STATEMENTS XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I WAS UNAWARE THERE WAS AN INSTITUTION I COULD CONTACT TO PROTECT ME. BANK ACCOUNT NUMBER IN QUESTION XXXX. XXXX. AFTER NUMERIOUS ATTEMPTS TO RETREVE THESE STATEMENTS .... NOTHING. PLEASE HELP ME
Company Response:
State: IL
Zip: 60459
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XXXX XXXX, XXXX, our bank, XXXX XXXX, charged the regular monthly maintenance fee for our checking account of {$11.00} - being we could not afford to cover that fee at the time and the bank 's policy is to not charge overdraft or negative balance fees for deficits resulting from monthly or annual fees, we left the negative balance of - {$10.00} until we would be financially able to cover it. On XX/XX/XXXX, unknown to us at the time, a {$1.00} XXXX transaction ( which we thought was charged on our " XXXX '' debit card, also with XXXX XXXX ) came through our checking account, our balance became - {$12.00} and the XXXX item was returned the next day. In the process, XXXX XXXX charged a {$37.00} overdraft fee also on XX/XX/XXXX, in direct violation of their policy to not charge overdraft or negative balance fees for transactions under {$5.00}. We left a voicemail regarding this for our banker, XXXX XXXX, who is also the branch manager at the XXXX IL branch where maintain our accounts. We received no response, nor did her voicemail indicate we should contact an alternate contact ; we left 2 further voicemails without a response from XXXX XXXX or anyone at XXXX XXXX until this morning, XX/XX/XXXX. In the meantime, the {$1.00} XXXX transaction was resubmitted on XX/XX/XXXX and was subsequently returned today, along with another {$37.00} overdraft fee assessed against our checking account, again in clear violation of XXXX XXXX 's policy. The voicemail which XXXX XXXX left for us said that she had been in meetings the end of the week of XX/XX/XXXX and then out of the bank until today, the fees were charged being the account was already in negative status and she could not do anything in regards to reversing either of the {$37.00} fees. Our contention is this is a convenient way to bypass their own policy being the deficit was due to their own fee which their policy is to not charge for and take advantage of longtime account holders ; also, her lack of timely response, nor listing of an alternate contact on her voicemail while she was out an extended length of time, nor enlisting a bank associate to address this issue in a timely fashion, is also convenient way to incur fees which should not have been charged. Had the first fee been reversed, we would have covered the - {$12.00} deficit plus at least an additional {$1.00} for if the XXXX transaction was resubmitted in a cash deposit or bank account ( immediate funds ) transfer, and so the account would be no longer negative nor caused the second overdraft. To reiterate, these fees were both charged in cases in violation of their stated policy to not charge overdraft or negative balance fees for transactions under {$5.00}, nor for deficits occurring as a result of a charge of their monthly or annual fees,
Company Response:
State: IL
Zip: 60631
Submitted Via: Web
Date Sent: 2017-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was paying off my credit card with XXXX Bank. I called XXXX for my account number because I was paying it off with my online XXXX with XXXX XXXX and XXXX. I sent them XXXX to pay my card off on XXXX/XXXX/XXXX and it went to XXXX on XXXX/XXXX/XXXX. I started getting phone calls about being past due. Now they 're telling me that the account number that THEY gave me was for a paid off loan and they have no idea where my XXXX went. XXXX XXXX has given XXXX the Credit Trace number, the File Trace number and the date that they received my XXXX} and XXXX keeps telling me that they lost the XXXX} and that I have to file a dispute with XXXX XXXX. I do n't have a dispute with XXXX XXXX, I have a dispute with XXXX Bank. An employee of XXXX is now telling me that I owe hundreds of dollars in late fees and that it 's not their fault that they gave me the wrong account number when I called back in XXXX.
Company Response:
State: MI
Zip: 49036
Submitted Via: Web
Date Sent: 2017-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: MY ISSUE IS WITH FIFTH THIRD BANK. AND HAVE TWO ISSUES. THE FIRST IS, THAT MY ACCOUNT IS OVERDRAWN FROM A PURCHASE OF {$150.00}. I WAS IN A BAD CAR ACCIDENT AND CANT PAY THIS BILL NOW TO THE BANK, AND I TOLD THEM TO CLOSE THE ACCOUNT OUT AND THAT I WILL MAKE MONTHLY PAYMENTS TO THEM. THEY SAID THEY WILL NEVER CLOSE THE ACCOUNT OUT AND WILL KEEP ACCRUING CHARGES AND I WILL HAVE TO CONTINUE TO PAY A MONTHLY CHECKING ACCT FEE OF {$11.00} PER MONTH. THIS HAPENED IN XXXX AND THEY CHARGED ME WITH A {$34.00}. XXXX OVER DRAFT FEE, AND {$11.00} MONTHLY BANKING FEE, SINCE I WONT HAVE MY XXXX XXXX CHECK IN THEIR ACCOUNT ANYMORE, AND I REFUSE TO EVER BANK WITH THEM, REGARDING ISSUES A FEW MONTHS A GO, WHERE THEY PAID A PAYMENT FOR ME, WITHOUT MY PERMISSION. SO, I WAS CHARGED A TOTAL OF {$190.00}. I THEN GOT A LETTER, XXXX XXXX FOR A BILL OF {$190.00}, AND THEN, XXXX XXXX FOR {$190.00}. AND THEN XXXX XXXX THE BILL IS NOW {$200.00}, AND THEY KEEP ADDING FEES AND CHARGES. I WANT THEM TO STOP ADDING CHARGES AND TO CLOSE MY ACCOUNT IMMEDIATELY AS I HAD ASKED THEM IN XXXX WHEN THIS ORIGINALLY ALL HAPPENED. I HAD A SIMILAR ISSUE WITH A DIFFERENT BANK AT XXXX, DUE TO OVERDRAFT FEES A FEW YEARS A GO, DUE TO MY VET NOT HOLDING A CHECK I WROTE TO THEM UNTIL I GOT MY XXXX CHECK, AND IT BOUNCED MANY CHECKS, ACCRUING TO {$300.00}, YET, XXXX BANK, CLOSED THE ACCOUNT IMMEDIATELY, AND TURNED IT OVER TO THE, CREDIT BUREAU. I FEEL LIKE THIS IS THE BEST SOLUTION FOR THIS MATTER, AND INSTEAD OF MAKING AN, {$11.00} MONTHLY FEE FOR A CHECKING ACCOUNT WITH NO MONEY IN IT, IS TO CLOSE IT, AND I CAN PAY THEM THAT {$11.00} A MONTH TOWARDS THE BILL, AS THATS THE MOST I CAN AFFORD, IF THEY DONT, THEN THEIR BILL WILL NEVER BE PAID TO THEM RE, THE {$150.00} AND OVER DRAFT FEE, SINCE I GET {$690.00} PER MONTH TO LIVE ON FROM, XXXX XXXX WHICH IS HARD, AND NOW I GOT WRECKED INTO, MY CAR WAS TOTALED, AND MY CAR IS ONLY WORTH, {$1200.00}, SO I WILL BE USING A TAXI, WHICH IS EXPENSIVE, AND I CANT BUY A CAR NOW FOR {$1200.00}, SO I HAVE MAJOR MONEY PROBLEMS AND HEALTH ISSUES AND INJURIES FROM THIS CAR ACCIDENT. PLEASE HELP ME WITH THIS MATTER, AND HAVE THEM CLOSE OUT MY ACCOUNT, SO I CAN START PAYING THEM {$11.00} PER MONTH TO PAY THIS OFF, INSTEAD OF THEM CHARGING ME EVERY MONTH FOR AN EMPTY ACCOUNT, WHICH I HAVE HAD TOO MANY UNETHICAL THINGS DONE TO ME VIA FIFTH THIRD BANK, AND IT HAS BEEN FRUSTRATING. THANKS
Company Response:
State: NC
Zip: 27704
Submitted Via: Web
Date Sent: 2017-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: 5/3 recently updated their site to a different format. They removed the section that shows the minimum payment due, most recent payment amount/date, and whether or not this amount has been satisfied with any recent payments. This is making it very difficult for me to determine whether or not my recent payment ( s ) have satisfied the minimum payment due and whether or not I might be late on a payment. This has led me to call 5/3 for the past 2 cycles ( once on XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX ) and voice this concern. Nothing has been done. On XX/XX/XXXX @ approx. XXXX XXXX EDT, 5/3 stated that they will not record my complaint, only forward an email to their Innovation Team. I requested that they escalate the matter, research and resolve it, then re-contact me. This request was denied. The agent on XX/XX/XXXX also told me to add my checking account information onto the 5/3 site in the " Make a Payment '' section, stating that this would let me see what I was requesting. In my opinion, it should not be this difficult or obscure to get payment information. Secondly, I prefer to pay this credit card the same way I pay my others : through my personal checking accounts ' online banking. I do n't want to input my account information onto another website. 5/3 telling me that they need non-5/3 payment information just to tell me if I have a payment due, seems ridiculous.
Company Response:
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2017-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A