Date Received: 2017-07-27
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: A few months ago a charged off account was being reported by XXXX XXXX XXXX XXXX on my consumer credit report aswell as XXXX XXXX.I sent a correspondence to the Collection Agency and the charged off account was removed from my XXXX consumer report. Now the same account has reappeared on my XXXX consumer report this time it 's being reported by Fifth Third Bank XXXX. This is a direct violation of the FCRA and I would appreciate if the Consumer Financial Protection Bureau can look into this matter ASAP.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: My wife and I have a joint Fifth Third MasterCard. My wife 's card was stolen on X/XX/2017 and was reported to Fifth Third Bank that day. I was told that our account was deactivated and cancelled and that new credit cards with new account number would be sent to us. Yesterday, X/XX/2017 the new cards arrived in the mail. They were new cards with the same account number as the one that was stolen and supposed to be cancelled. I called 5/3 and talked to XXXX. He said someone must have made a mistake and that he would send us new cards with new account number.
Company Response:
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On X/XX/17 I submitted a request to close my checking account at Fifth Third Bank. On X/XX/17 I received an email back reminding me of the following : " A checking account is unable to remain closed if it is still being used. Recently closed accounts are reopened if a new debit is submitted against the account. Please refer to the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet : " Customer authorizes Bank to honor any items bearing Customer 's account number if Customer has disclosed that account number to the payee or any representative, affiliate, or party associated with the payee, whether or not the item is signed by the Customer. Customer further agrees that Bank may presume that the issuer of the item obtained authorization. For example, if Customer voluntarily gives information about their account ( such as the routing number and account number ) to a party who is seeking to sell Customer goods or services, and Customer does not physically deliver a check to the party, any debit to the account initiated by the party to whom you gave the information is deemed authorized. '' This means that if we receive information indicating that a debit is to occur from your account, we assume that you have authorized the transaction. You will need to contact the merchants who are debiting your account to revoke their authorization to debit from you. This will prevent any additional transactions from reopening your account. '' I 'm not a contract attorney but if I provide written notice to close an account, and they close the account, I am no longer bound by the " Rules and Regulations Applicable To All Fifth Third Accounts '', which means they should refuse any debits attempted on my account after it was closed. Fifth Third 's stance is of course for the " benefit '' of the customer and I 'm sure they would argue it 's a " courtesy '' to ensure payments are not refused, but the reality is that they are providing this " courtesy '' so they can charge overdraft fees to closed accounts. I 'm submitting this because it 's an abusive practice and needs to stop.
Company Response:
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom this may concern, I have requested that Fifth Third Bank remove a charge off account on my credit report for the past two years and they have refused to do so. I have disputed the account as well several times with no luck. I had a secure credit card with Fifth Third Bank, which they are not reporting to the Credit Bureaus, and while I had the secure credit card, XXXX XXXX XXXX of XXXX was unlawfully charging my credit card which made me have a really high balance. XXXX XXXX had a lawsuit against them, which I received a letter for, because they were charging individuals without their permission. I have explained this to Fifth Third Bank at least fifteen times over the past two year and they have done nothing about it. I feel as though I should not be responsible for XXXX XXXX charging my account without my permission and for Fifth Third allowing them to continuously charge my account without calling or sending me notification of the activity that was taking place with my credit card as a safety precaution. If they would have notified me of this activity, I may have been able to stop the charges from happening and avoiding this destroying my credit. At this point, I am requesting again that Fifth Third Bank deletes this information from my credit report as I was not the individual charging the account. Thank you!
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: bought house for XXXX fifth third bank bought loan in 2013 and with out any contact with me lowered value of home to XXXX but still had me paying higher payment for about ten months still wont change problem but keep telling me they will look into it
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I called Fifth Third to inquire about refinancing my home as my husband was unemployed and we needed to get out the adjustable rate loan we were currently in. They suggested programs that were n't right for us ( HAMP ) and did n't offer the ones that have been a solution for our situation ( HARP ). I called XXXX XXXX and was informed that we were in fact eligible for HARP! I have asked several times for a manager to call me and explain why HARP was never offered. No one has called me. I have since called into Fifth Third on numerous occasions and asked for the HARP department. I was told they did n't have a HARP department. See the trailing documentation on my journey with Fifth Third : XX/XX/XXXX Called the REFINANCE GROUP and spoke to XXXX ( XXXX ). Explained that my husband had lost his job and that I was interested in refinancing in an attempt to reduce our payments and correct the ADJUSTABLE RATE MORTGAGE that we have had since XXXX*. He looked into my accountand stated that a refinance would cause our payments to increase. He suggested calling the MODIFICATION DEPARTMENT. XX/XX/XXXX Called the MODIFICATION DEPARTMENT and spoke to XXXX. I explained my situation in detail and he said that there was a program that we may be eligible for and I needed to fill out an application. XX/XX/XXXXCompleted appliation and faxed to XXXX with a Letter of Hardship. XX/XX/XXXX thru XX/XX/XXXX Worked with XXXX XXXX : HOMEOWNERS ASSISTANCE CUSTOMER CARE SPECIALIST on all the required information needed for the loan application. XX/XX/XXXX ( Monday ) Finally, XXXX XXXX XXXX RETENTION SPECIALIST, called stating that he needs current check stubs for my husband. XX/XX/XXXX I emailed my husbands check stubs to XXXX XXXX. XX/XX/XXXXI emailed XXXX XXXX asking for status updateXX/XX/XXXX XXXX XXXX replied that a decision has been rendered and I would receive it in the mail and if I had questions or concerns that I could contact my single point of contact, XXXX. XX/XX/XXXX I emailed XXXX XXXX asking for more information regarding the decision and to email me a copy of the letter. He did not respond. XX/XX/XXXX XXXX stated that I should apply again. I called XXXX and requested that I do NOT want to work with XXXX XXXX again. She stated that unfortunately it is whomevers turn it is when my application comes in. She emailed me the application again which included the FHA HAMP RET HARDSHIP Affidavit. XX/XX/XXXX Emailed my paperwork in to the XXXX -- - AGAIN. XX/XX/XXXX I emailed XXXX as I did not receive confirmation that my application was received. XX/XX/XXXX XXXX responded asking me to call her so she can provide an update. XX/XX/XXXX I emailed my application, hardship letter and other documents that I had sent in XXXX. XX/XX/XXXX I emailed XXXX as a Fifth Third representative came to my house and asked my husband to verify his name and our address and I was terrified that because we were 2 payments behind, we were going into foreclosure. XX/XX/XXXX XXXX XXXX emailed me tp say he received my application. XX/XX/XXXX XXXX XXXX called and stated that we " could '' be approved for a modification loan with a 4.25 % interest rate which would increase our monthly payments at least by {$500.00}. The interest rate we have now is better 3.29 %. I told XXXX I thought the point of a modification loan was to help homeowners who were struggling due to hardship. We want to keep our home but fix the ARM to a fixed and pay on the principle. He got frustrated with me and told me that if I wanted, I could call XXXX XXXX as they were the originators of my loan. XX/XX/XXXX I got online and researched XXXX XXXX and the loan programs that were available. HARP is the one that would have been perfect for us and our situation. XX/XX/XXXX I called XXXX XXXX and spoke with XXXX. He stayed on the phone with me for well over an hour answering all of my questions. XX/XX/XXXX I called XXXX explaining my frustration at this whole situation. I was elgibile for HARP in XXXX until I missed 2 mortgage payments and yet it was NEVER offered or even mentioned to me. I have been trying to get assisance for 5 months and I have explained my situation over and over about needing lower payments and to get out of the ARM. HARP would have been perfect for us. I explained to XXXX that I felt XXXX XXXX did n't have my best interest in mind. I asked to speak to XXXX 'XXXX manager and XXXX said that she would contact them and ask them to call me. XX/XX/XXXX XXXX XXXX as I have not received a call from XXXX 's manager. XX/XX/XXXX XXXX XXXX as I STILL have not received a call fromXXXX XXXX manager. I asked for a name and number to the director /manager of the modification loan department and that information was not given to me. XX/XX/XXXX Filed complaints with the Ohio Attorney Generals Office, The Better Business Bureau and 2 local newscasters. XX/XX/XXXX to PRESENT - Continuing to work with XXXX XXXX : Director of Consumer Advocacy Consumer Protection Section Ohio Attorney General XXXX XXXX.
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I received a call from XXXX XXXX XXXX threatening to sue and ruin my credit report over a {$250.00} debt I had with 5/3 Bank. Worried about my future, I paid the debt using my debit card and transaction is attached. On XX/XX/XXXX, I received a letter from XXXX XXXX about a debt balance I had of {$330.00} from 5/3 Bank from over 6 years ago. They said I had 30 days to respond or else this would go on my credit report. I called XXXX XXXX XX/XX/XXXX and they said their sister company XXXX ( law firm ) bought the balance from 5/3 bank and have been trying to reach out to me for the last 6 years. They said they would reduce the balance owed to {$250.00}, then to {$220.00}. I asked for further evidence about this debt but did not provide any more documentation. Concerned that my credit report would be impacted negatively, I paid XXXX XXXX {$220.00}. Realizing that I might have been scammed, I remembered that I had a debt collector, XXXX XXXX XXXX reached out about a debt from 5/3 Bank and paid {$250.00} on XX/XX/XXXX, the exact amount XXXX XXXX was looking for. This is when I knew I was scammed.
Company Response:
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Fifth Third Bank offered me a balance transfer offer that included a 3 % balance transfer fee and 12 months of 0 % APR. I was given a check to use to take advantage of the balance transfer offer. The check expired XXXX XXXX , 2017. I issued the check to another creditor to resolve a balance before the check expiration date. Fifth Third Bank claims the check was processed by the other creditor after XXXX XXXX , 2017. They did not offer me the balance transfer offer and ultimately charged me a 4 % balance transfer fee and standard 19 % interest charges on the balance transferred to my account, resulting in {$250.00} in interest. I have a credit score of over XXXX and earn enough to pay off the entire balance. I would n't have taken their offer if the marketing was clear and I knew they would make every attempt to postpone the processing of their balance transfer offer check.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2017-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-19
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: I made a purchase that required me to use a licensed dealer in my home state. The dealer charged a {$25.00} fee to facilitate the transaction and I used my 5/3 credit card to pay the fee. When I received my credit card statement they showed a cash advance, which never occurred. I contacted the dealer and they assured me that their credit machine was not set up to do cash advances and taht it was run as a credit transaction. I called the credit card company and was told that it was run as a cash advance and that the extra fees and higher interest rate would not be waved. I explained that I had never done a cash advance and that the dealer stated it was run as a regular credit transaction. They insisted that I owed the fee. I spoke to a customer service representative, their manager, the disputes department, and received the same line from each that it was run this way and I had to pay even though I was never a part of a cash advance.
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2017-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: One echeck transaction that did not show on my 5/3rd bank checking account XXXX XXXX by XXXX EST suddenly appeared at XXXX the same morning as two echeck transactions that were posted on Friday XXXX XXXX. The two transactions were paid inmediately by funds that were deposited by my employer direct deposit and during non business hours. 5/3rd bank charged my checking account with two NSF fees of {$37.00} dollars each days after, they claim they could not refund the fees.
Company Response:
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2017-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A