Date Received: 2017-08-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My bank has acknowledged that they know funds from my savings account were stolen from my savings account. They allege they have credited my account for a little over six thousand dollars. I have three receipts showing I deposited {$30000.00} on XX/XX/XXXX, {$14000.00} on XX/XX/XXXX and {$29000.00} on XX/XX/XXXX. Though I have repeatedly asked the bank to send me my money, they have sent me absolutely no money. I believe I should also be entitled to receive punitive damages for mental anguish and the financial hardship Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX has caused me. I do not know what the law says about that. I assume you do. My savings account number at Fifth Third Bank was XXXX. My present address is : XXXX XXXX, XXXX XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX. I do not know how to send you copies of the receipts for deposit. What should I do next??
Company Response:
State: TX
Zip: 78520
Submitted Via: Web
Date Sent: 2017-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I contacted Fifth and Third bank back in XX/XX/XXXX 2017. I spoke with a XXXX who would not give me her last name and she told me that my account was sold to collection agency and if I would pay it could be removed from my credit report. I contacted the collection agency who is XXXX XXXX and paid a settlement of XXXX out of my XXXX account. I feel this bank is using deceptive tactics to collect old debt. from my understanding phone calls are recorded therefore I am requesting for phone transcripts to be release of my phone call made in XX/XX/XXXX. Also according to 623 ( a ) ( 7 ) Section of the Fair Credit Reporting Act consumers are suppose to be notified of any negative information that is being reported to credit agencies. I did not receive any letter that this information was being put on my credit report. If a letter was send I am requesting a copy of that as well.
Company Response:
State: PA
Zip: 15227
Submitted Via: Web
Date Sent: 2017-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-07
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have an auto installment loan with Fifth Third Bank in XXXX, Ohio, which is due on the XXXX of each month. I ALWAYS pay this payment on the XXXX of each month. I have never once made a late payment on this account. Additionally, I have two separate credit cards which have bills due on the XXXX of each month also, whose mailing addresses are also in XXXX. Miraculously, the checks for these bills are always cashed on time ( before the XXXX ) and always make it to their destination within three or four days, but inexplicablythe payment for Fifth Third often does n't. Is it possible the U.S. Postal system takes extra long to get to Fifth Third in the SAME CITY as my other two payments sent at the same time? I do n't think so ... Four or five times this year alone, Fifth Third Bank has changed me late fees in the amount of {$83.00} each time. Not only is that an outrageous amount for a late fee, my payment were NOT late! Fifth Third has a habit of doing this. There are even a few Internet websites and blogs dedicated to consumer complaints about Fifth Third Bank. Their over-charging and erroneous assessment of late fees is a major complaint. Please feel free to look yourself ( see attached documents ).
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2017-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-06
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: To whom it may concern ; I have been conned by a very lawyered savvy " XXXX '' company that had me believing I could legitimately earn a living by way of working from home. Please note, their paper work has addresses and points of contact being within a few different states such as MN and IA. Their case number assigned to me from their XXXX is # XXXX XXXX XXXX. The 24 page dispute from this company has a Merchant address of XXXX. XXXX XXXX, MD XXXX, The XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NV XXXX XXXX. Please note the Dispute Documentation listed below. XX/XX/XXXX ( page 1 of 2 ) XXXX XXXX Dispute With XXXX University/XXXX XXXX XXXX The following is XXXX XXXX perspective regarding the XXXX University/XXXX XXXX XXXX disputed charges on her XXXX XXXX. Most of the so-called teaching sessions in XXXX XXXX were focused on XXXX investing more money if she wanted to secure greater access to merchandise warehouses and products to resell over the internet. The education portion of the interactions was a very small percentage of the actual overall contact. It was getting systematically more and more expensive than initially implied and felt deceptive. All the information provided was part of an unending sale pitch. Questions were asked to reveal credit card limits, and then spend those funds to increase more access. The pitch was that you have to spend money to make money. XXXX felt she was being groomed to wade deeper into the world of business independence and prove it by increasing her commitment. After seeing her initial investment of {$45.00} increase to well over {$3000.00}, with more investment coming, she felt uncomfortable and suspicious. XXXX decided to stop all communication. XXXX is suggesting that they provided XXXX with training opportunities that she failed to follow through with. XXXX stopped communicating with them because of what was becoming an obvious trap to take her money. This was not what the original advertising had implied. It appeared to be a scam. There was far more emphasis on investing additional money than actual useful information about the business. It is interesting to note that XXXX XXXX XXXX appears to be originating from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX which is a small island off the east coast of XXXX. What is particularly disconcerting we contacted the XXXX XXXX XXXX XXXX XXXX XXXX and were advised to dispute the charges through Fifth Third Bank Master Card. Ruths credit card was canceled. We initiated the dispute XX/XX/XXXX and XXXX XXXX chargers were found to be invalid. We were reimbursed {$3100.00} on XX/XX/XXXX. The bank wanted to automatically reissue a new card even though XXXX declined. The bank rep decided to reassign a new number without mailing a new card as XXXX told her she didnt want to use it. XXXX did not authorize the release of her credit card information to anyone for any purchases at any time. This was a new credit card number issued after the initial dispute. We never received any documentation regarding the banks decision to consider a rebuttal by XXXX XXXX. Their lawyers had crafted a legal response that covered them but was not in reality accurate. On XX/XX/XXXX, XXXX noticed a new charge of {$3100.00}. Contacting the bank, XXXX discovered that the XXXX XXXX XXXX had released the new card number to the XXXX University. Without XXXX consent, XXXX XXXX allowed the very company that had lost the dispute the first time to charge her all over again. This is contradictory and outrageous. We feel we have been robbed twice and XXXX XXXX was compliant in this second crime. We would prefer not to seek legal counsel at this time to resolve this issue. We also believe that Master Card needs to reevaluate their business ties to XXXX University and the XXXX XXXX XXXX. The sales practices XXXX experienced through her brief interactions with them were certainly unethical and misleading. Details and Timeline 1. ( XX/XX/XXXX ) XXXX XXXX was attracted to an ad on her computer that advertised an opportunity to provide financial independence through utilizing drop ship internet sales. Initially, a {$45.00} membership fee was required. Once into the site, XXXX was encouraged to pay an additional {$97.00} if she was to get to the next level of resources. XXXX chose to pay both fees totaling {$140.00} thinking that was all that would be required. ( In hindsight, XXXX was being groomed for future spending. ) There was never any mention of additional financial commitments at this point. 2. ( XX/XX/XXXX ) XXXX was then contacted on her cell phone by a representative from XXXX University regarding their program outline. They said that, once in the program, a coach would be contacting XXXX each week for 7 weeks, followed by four monthly calls. The XXXX main programming areas focused on were XX/XX/XXXX, drop shipping and posting links for companies. The hook was the easy accessibility of the coaching and information provided. XXXX was then informed that another representative would be calling her that evening to explain the business in more detail. This first call lasted one hour. ( page 2 ) 3. ( XX/XX/XXXX ) XXXX was contacted again, later that evening, by a representative to see if she would be a good fit for the business. During the conversation the concept of using other peoples money to work for you was discussed. She was then asked if she understood the need to spend money to make money? The rep then asked if she had a credit card and how much borrowing ceiling was available. XXXX divulged that she had {$3100.00} available. XXXX was told that if she committed that money, she would have access to companies that needed drop shippers. This call lasted two hours. ( In hindsight, we should have realized how strange that it just happened to be the exact amount XXXX said she had available in her credit card. ) 4. ( XX/XX/XXXX ) XXXX received her first coaching session with XXXX regarding using XX/XX/XXXX as a tool and was given access to training videos. XXXX. ( XXXX ) XXXX was contacted and told that she needed to set up an appointment with a financial counselor from the XXXX XXXX. XXXX. ( XXXX ) The next appointment was encouraged to be made quickly. Supposedly, there was time sensitive information for XXXX to learn regarding her investment. At this session, XXXX husband XXXX joined the conversation over speaker phone with XXXX XXXX. Having been in sales, XXXX noted that XXXX was leading XXXX through his presentation in a systematic way to corner her into making a decision of some kind. It eventually surfaced that XXXX would want to legitimize her business by setting up an XXXX license. In the end, this was going to cost an additional {$590.00}. ( We were shocked that, after all the money spent to this point, we were asked to spend more. We also learned, with a little research, that we could have secured this license for a fraction of the cost on our own. ) At this point, we told XXXX that we needed time to consider the additional cost. He seemed surprised and wanted us to make the decision that night. ( Another red flag. ) 5. ( XXXX ) The next session, the rep told XXXX that once identifying her niche in product sales, XXXX XXXX would guide her to the wholesale company that could provide multiple brands and styles to choose from for posting on her website. This company would manage the orders, create and market her website for additional yearly cost of {$3000.00}. At this point, XXXX told the rep that she couldnt invest any more money. The rep then backed-peddled and changed the fee to be just a one-time only fee. ( It was obvious that something wasnt consistent in the way fees were charged. They seemed more interested in getting whatever money they could moving forward. ) At this point, XXXX discontinued all contact with XXXX XXXX because we felt this was not a legitimate business. The relentless pressure applied to continually invest more money was unpleasant and frightening. The coaching was initially very minimal and the teaching materials covered information that anyone could access on the internet. XXXX was a victim, drawn into an ever deepening financial trap. This is a sleazy company that is designed to ensnare and take advantage of people who only want to improve their lives financially.
Company Response:
State: OH
Zip: 434XX
Submitted Via: Web
Date Sent: 2017-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I started with this bank roughly two months ago. I used it for a couple of days, then a few weeks later, I was unable to access my account. I called the company, informed them about the problem. I was then transferred to the fraud department, and verified my information. The representative was rude, and told me that I had to go in with my Identification card to a local branch to resolve the issue. As told, I went to the branch, sat down with a manager, and he spoke with the fraud department and I as well, account was cleared. I was able to access my account for about twenty minutes, until I received the same error as before, " invalid login ''. I contacted the fraud department again, plead to them that I already went through the process of verification with the fraud department. I told them I run a business, I was told I could n't use the account for commercial use. In order for me to reactivate my account, I will have to be investigated by the fraud department. I transferred money from an external account as well as used, XXXX, for my clients. They indicated it as FRAUD. There is no fraud on my account. The claim was submitted on X/XX/17, and I was told that an investigator will contact me regarding the freeze/hold on my account within 48 hours. NO ONE HAS CALLED YET! I called them twice, spoke to customer service department, transferred to the Fraud department and get hung up on. Holds up to thirty minutes. Just not fair. It has been almost two weeks with no contact, and a lot of my funds are in there.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2017-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Card # XXXX XXXX XXXX XXXX According to the offer the credit card holder was supposed to receive a XXXX ( {$150.00} ) in 5/3 Bank reward points if the following conditions was to be met : {$500.00} or more purchase within 90 days of account opening. The bonus was to be awarded 6-8 weeks of meeting the obligation. The obligation ( {$510.00} ) was met onXX/XX/XXXX when the amount of the invoice was paid in full. As of today I received no bonus despite contacting the 5/3 bank twice ( XX/XX/XXXX and XX/XX/XXXX ) was being informed that the points will post in XX/XX/XXXX statement period. When I called today the CSR informed me that wanted to open another case for the issue despite the case with required follow up ( it did n't happen ) was opened already ( # XXXX ). It is apparent that the 5/3 Bank is not interested in awarding the points and it keeps stalling which in itself is a breach of contract. It is also very reprehensible that the bank employees so blatantly lie to card members which also reflects poorly on the culture within the bank.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2017-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Fifth Third Bank in XXXX, FL were contacted to re-finance my home in XXXX XXXX 2017. After 5 months of attempting and re-attempting to submit all my financial documents they, without my knowledge, changed my loan from a refinance with cash-out to a refinance. After 5 months they told me to change it back we would have to re-submit all our documents again. The following people were involved in the deceit : XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX. They all contributed to in way or another extending the process by asking for documents 2-3-4 times. They also after an inspector of the Banks choosing measured our house at less than 400sq ft than the previous 4 measurements done in the past 10 years. They colluded to try to get CD and other types of loans against the house and forced us to open an account in their bank to proceed with the loan origination. My credit has been decreased because over the course of the 5 months the checked my credit score over 8 times. We are current mortgage holders of this bank, so we were perplexed at how the process moved since it was so smooth 8 years ago.
Company Response:
State: FL
Zip: 33606
Submitted Via: Web
Date Sent: 2017-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We were notified we were in Breach of contract with being two months behind on our mortgage and were given until XXXX XXXX 2017. I called to set up a payment plan to bring it up to date by the XXXX XXXX XXXX but were told they could not take single payments only the total due. Then we brought the mortgage up to date by XX/XX/XXXX and received a letter on the XX/XX/XXXX stating that we were still in Breach. Today, XX/XX/XXXX 2017 a woman was dispatched to my house to take pictures, clearly trespassing on my property and confronted by my wife, asking her what she was doing. The women showed my wife where the bank, 5/3 Bank, had instructed her to knock on the door and if nobody answered then she was to take pictures of the house. A week earlier a man from 5/3 Bank had come to the door and my son answered and showed that we were occupying the house and the utilities were on. There is undo harassment coming from this bank. 5/3 Bank is run by incompetent individuals, when you ask to speak to a supervisor you are told that one will call you back and there is never a call back.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2017-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I attempted to close my account and have the money in my accounts returned to me and 5th 3rd continued to allow me to be charged by accounts they reversed the charges for. I have stated that I do not want the Identity Alert service since XX/XX/XXXX and I have continuously have been charged. I explained that their credit reporting is not close to being accurate and stated that they have violated the Fair Credit Reporting Act. I received a letter stating to call XXXX XXXX and she told me she will look into my claims on XX/XX/XXXX. I followed up the next week she told me that I never had a discussion with her. She later called and admitted she made a mistake. I asked what progress was made in resolving this matter. She indicated that she or 5th 3rd has n't done anything to research my account as promised in a timespan of a entire week. I asked why am I still being charged for the Identity Alert service and she advised me to call the toll free number. I told her that I 've tried that already and I got the run around. I included that in the complaint that generated the letter for me to contact her. I asked which manager I can speak with since she has n't been helpful and she did not answer the question. I asked how long I have to get this matter resolved without further actions taken against me and she told me XX/XX/XXXX. XXXX XXXX has told me only some of our conversations are being recorded and monitored ; which is a FDCPA violation. The conversations that were recorded will be useful to back up my claim.
Company Response:
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a secured card from Fifth 3rd Bank in the amount of {$750.00}. And I paid my bill with my bank debit card with available funds for the full amount. I go about my normal routine and use my card cause, I paid my bill in full. Two weeks later I look at my statement and they said I owed around {$1200.00}. I call the bank and spoke with a supervisor and they said they would fix them. The bank claimed that that the payment got declined and I owed the full amount plus interest. I told them that I paid with a debit card and they received the money. The bank supervisor stated that it was a bank error and not to worry. I called them today XX/XX/XXXX and spoke with a Supervisor name XXXX ID # XXXX, she was not the person I originally spoke with. I asked her about their procedures when a customer calls in for complaints. And what information does she have on me.I let her know that I 'm upset because she stated she only had one call on file for me on XX/XX/XXXX. And I made multiple calls about this case. I now have a charged off account in the amount of XXXX. Plus they kept my deposit of {$750.00}. That they said only has {$650.00} in an account. I told her who do I need to talk with to get this error off my report. She said their is no one that I can speak with, but she would investigate. I told her I was going to file a complaint with the CFPB and she stated she can no longer help me and they will get in contact with me. I left her with my name, number, and email address.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A