Date Received: 2017-07-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My uncle has been a Fifth Third Bank member for many years. He has kept about {$500.00} in his checking account and over {$12000.00} in savings as of XX/XX/XXXX. The bank has a so-called courtesy transfer so that his checking account is kept current in order to pay any checks when his balance goes below zero. He has been paying his bills through the checking account. His income comes from Social Security ( {$660.00} ) and is deposited in his savings account. He has paid hundreds of dollars in these courtesy transfers. They are {$12.00} for each occurrence. By the beginning of this year he started running low in his savings. The first few months of XX/XX/XXXX he accumulated about {$110.00} in overdraft fees. From the XX/XX/XXXX. statement to the XX/XX/XXXX statement he had accumulated over {$1300.00} in return item and overdraft fees. I did not find out until XX/XX/XXXX that he was ( {$500.00} ) in arrears because of all the excessive fees. We started managing the account from then on to help pay for his bills. The bank did not help rectify this problem. My uncle was hospitalized during this time. Documents show he has XXXX XXXX XXXX and has XXXX XXXX XXXX. The bank has charged over {$2000.00} in fees over the last several years. I realize that the bank has rules, however considering the circumstances I feel that the bank had made my uncle whole through the courtesy fees and in his frame of mind felt that the savings would always cover his bills. In 2 months he was charged over {$1000.00} in overdraft fees. All I want is a fair evaluation of his situation. With the use of modern technology I feel the bank is being unfair to charge this excessive amount in fees. My uncle has no more resources other than Social Security to live on. Fifth Third is advertising about no ATM fees. The courtesy fees and overdraft fees from my uncle are allowing the bank this gimmick.
Company Response:
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently reviewed my credit report and saw FIFTH THIRD requested a copy of my credit report on XXXX XXXX and XXXX XXXX 2016. I mailed them a letter requesting a copy of a written document giving them permission to do so. They have not responded
Company Response:
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: A friend and I traveled to XXXX via XXXX XXXX in XXXX 2017. Her and I both visited a merchant on the beach selling photos and frames. Her and I both bought the same photo with frame for {$47.00}. We both swiped our cards and left the store. Upon returning home, I checked my bank statement ( my card was a checking account, not a credit account ) and was shocked to find the original and legit charge for {$47.00} but also an additional charge for {$240.00}! I immediately called my bank to dispute the charge, as there was no way I returned and bought any additional items. I also called my friend to warn her. This guy double charged her also and I have proof. Her bank reversed her charges, as did mine. But 2 months later, I receive a letter stating my request was denied as the merchant has sent in my signed receipt. I was shocked, as I know it could n't be mine. Impossible! ... When I finally saw the receipt in question, I was shocked! It is 100 % NOT MY SIGNATURE. I am floored my bank is accepting this and giving him my money. They say they want a copy of the original receipt for the correct charge of XXXX. Of course I do n't have that. I am NOT disputing the XXXX!!! The charge after the fact of {$240.00} is what I did NOT authorize. Plus, the receipt says XXXX pesos. That does n't even equal XXXX ... Please look at my signature! It 's been the same for years. And look at the forged receipt. Not even close! ... The " XXXX '' is wrong! The " XXXX '' is wrong! The 1st or 2nd " XXXX '' is missing! The " XXXX '' is a loop and never has been! The " XXXX '' looks like a 5th grader " XXXX '' ... My " XXXX '' has NEVER EVER been written like that! ... Please please help me!!! 100 % FORGERY ... I will swear my life on this! Plus, I have a witness that was stolen from on the same day and time!!! I have all proof ... Also, I XXXX the merchant in question. Company and/or address does n't even exist ...
Company Response:
State: FL
Zip: 33510
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/XXXX, I received a letter from Fifth Third Bank, dated XX/XX/XXXX. The letter was titled " We 're Improving and Streamlining Overdraft Coverage Beginning XX/XX/XXXX'' and referenced an account ending in XXXX. I do not have an account with this bank. I contacted Fifth Third Bank the next day and spoke to XXXX. I told XXXX that this was a fraudulent account and that I had been the victim of identity theft in XX/XX/XXXX in which an unknown person had attempted to open three credit cards and did successfully open a credit card, using my name and other personal identifying information.XXXX told me that the account had been opened on XX/XX/XXXX. She began to compare the information used to open the account with my personal information and everything matched - name, address, home phone, social security number - except for the driver 's license number. As I was telling XXXX my driver 's license number, she told me I did n't need to finish as the driver 's license number on the checking account was different. XXXX told me that the account would be closed and I would be receiving a letter from Fifth Third Bank that I needed to sign and return. I then received two more letters from Fifth Third. The first was dated XX/XX/XXXX and was an Overdraft Notice for the checking account - the account was overdrawn by $ XXXX.I contacted the bank again on XX/XX/XXXX and was told the account was indeed closed. I received a Final Overdraft Notice, dated XX/XX/XXXX. In a letter dated XX/XX/XXXX from Fifth Third Bank, I was notified that the bank had " investigated the case and have determined that the accounts were opened fraudulently '' and that I was not responsible or held liable in any way with regard to the checking account. The letter also stated that under the Fair Credit Reporting Act, I was entitled to ( but not limited to ) the application and records used to open the account. Details were given as to how to request this information and on XX/XX/XXXX, I mailed a request for all information used in the opening of the account : ( how the account was opened, information given to open the account ( including the driver 's license information ), email address used, IP address if account opened online, correspondence between Fifth Third and the fraudulent email address, transactions made with the account, etc. ). I included a notarized Affidavit of Fraud, summary of all information requested, summary of the identity theft ( credit cards and checking account ), and a police report detailing the credit card identity theft. I also included the name, address, email, and phone number of the sheriff 's deputy assigned to investigate the identity theft. I have yet to receive this information. When I called Fifth Third in XX/XX/XXXX, I was told that there was no information to provide as the information used to open the account was mine. But I know a different driver 's license was used and it does not matter if the information is mine or not, under the FCRA, I am entitled to it as a victim of identity theft.
Company Response:
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-01
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Since the loan inception ( 16 months ) I 've been paying an additional principle only payment every month, only to find out now that they have been applying about 50 % of that to interest. I have demanded that they retroactively reapply 100 % of those payments to principle only, and they have refused. I 'm going to hire a lawyer but thought I 'd give this route a try first.
Company Response:
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2017-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX we bought a home through 5/3 bank. The next year my escrow was XXXX negative with no explanation why. My payment went from XXXX to XXXX. They would not except my payment at the time because it was not enough.I had to refinance through them because they had brought my credit score so far down. At the full amount not taking out any and all payments we have made through the years this was in XX/XX/XXXX. Every year since my escrow is negative my insurance has not changed and my taxes were down till this year and then went up XXXX. My escrow this year was XXXX negative. Please help I can not get rid of this terrible bank. They will not let me pay my escrow my self. I do not now what else to do.Also at random time my credit monitoring company show me they add XXXX more that I owe with no explanation I have asked.
Company Response:
State: MI
Zip: 49445
Submitted Via: Web
Date Sent: 2017-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On Wednesday, XX/XX/XXXX, I received a morning call saying the person " XXXX '' was from 5/3 Bank and requesting my birthdate. I have a policy that I do not provide such private information to an unsolicited call and I stated this to the person. They indicated that I could call 5/3 and gave me an XXXX # to call. I then pulled out my credit card and called that XXXX #. I had a conversation with their call center ( " XXXX '' ) in which I learned that my account was in rears by {$45.00} from a charge I did recognize. I pointed out I had never received a bill for this charge. I checked my checking book ledger and my collection of paid bills ( I keep all receipts of bills I 've paid including amount paid, check number and date of payment ). I have no record of ever receiving this bill. I have a very good credit rating and always pay my bills. This bill never appeared.
The call center person " XXXX '' gave me a credit for the late fee and indicated I could pay this on the next credit card bill that was just cut on XX/XX/XXXX. I have not yet seen this bill though I have paid previous 5/3 bills in the past so they seem to be able to get their bills to me at my address. At this point I also spoke to the first-line person 's supervisor ( " XXXX '' ). I said that I thought I had been well treated on this call. However, I was very upset with the earlier call claiming to being a " 5/3 bank '' person and requesting my birthdate. I told the sup I do not provide such private information to an unsolicited phone call. The Supindicated that information would be logged and discussed in a future policy discussion. I did not log these calls received or made on XX/XX/XXXX in detail. I thought the issue had been resolved. I was wrong. Calls on XX/XX/XXXX andXX/XX/XXXX were/continue to be logged. I will continue to log any calls after XX/XX/XXXX at XXXX should they occur. XX/XX/XXXXin XXXX EDT - Got a call from a female claiming to be with 5/3 bank and asking for my Birthdate. I refused and expressed my policy about such matters. She hung up on me. XX/XX/XXXX at XXXX EDT - Received a call from " XXXX '' saying he was from 5/3 Bank and would I provide my birthdate. I repeated I do not provide such private information on such a call. Then I asked to speak with his supervisor. XXXX transferred me to XXXX ( TID : XXXX ) to whom I repeated my policy about my birthdate and then discussed how I had spoken to a line person and supervisor the day before where, assuming they are calling about this past-due bill, I have resolved the issue, will pay the bill when it arrives and received a credit for the late fee. Then I indicated that I consider this call as harassment and that if these calls persisted I would be filing a complaint with the CFPB. XXXX could not guarantee that the calls would stop, apparently looked over my account ( though I never gave my Birthdate and did not respond to the change in my status from my conversation of yesterday. I asked to speak to XXXX 's boss, he said there was no one above him present. I asked for his Boss ' name which he would not provide. XXXX suggested I call their XXXX # which I replied I already had and to my understanding had resolved any outstanding late charges. XX/XX/XXXX at XXXX EDT - Got a call from " XXXX '' with " 5/3 Bank '' requesting my birthdate. I quoted my policy about offering such sensitive information. She also requested my social security number and name. I had already provided my name but also will not offer an SS # to an unsolicited calls. I asked to be transferred to her supervisor. She would not transfer me and then hung-up on me. XX/XX/XXXX at XXXX EDT - Got a call from " XXXX '' with " 5/3 Bank '' asking for my birthdate. I refused and quoted my policy. She then hung-up. I am now filing my promised complaint with the CFPB. The basic complaint is that while I resolved the issue in my own call-in to the credit card XXXX # on Wednesday, XX/XX/XXXX, I continue to receive calls from many claiming to be 5/3 bank employees/representatives. Even though in one case I was able to speak to a supervisor of that call 's front-line person, they continue to call me. I consider this harassment now going on two days since the mater was resolved with a 5/3 call center person.Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX my account was shut down for trying to transfer my money out of my account that does not have a debit and 53 was prohibiting me from getting a card. So i called in explained I was trying to transfer so everything was fixed. They said the problem was my name was n't on the transferring account. I explained to them I was transferring the money to my girlfriend with MY MONEY. However I made the fix and again try to transfer the money out. Then my account was shut down. This time i called answer question. They tell me I have to go a branch to verify my identity. So I did that and next thing you know they tell me I can not get my money. They block my out of my account. I had ~ $ XXXX in that account I needed to pay for bills for my business and house. Now I cant pay either of them and is XXXX out of luck.
Company Response:
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2017-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello, This is my third time faxing in a third party authorization. One was sent XXXX , another XXXX and now XXXX I am attaching it on here too. I have done short sales with firth third bank in the past and they do not stop foreclosure until there is an approval. I can not be having these deals especially when the foreclosure is in XXXX . Please help.
Company Response:
State: IL
Zip: 60048
Submitted Via: Web
Date Sent: 2017-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am currently being XXXX XXXX from the XXXX XXXX XXXX after 11 years of service. I have been paying on my mortgage with Fifth-Third Bank for over 4 years, but because they never contacted me that my payments were XXXX dollars short, they claim that I never made payments for XX/XX/XXXX or XX/XX/XXXX. The company had my phone number and my email address ; however, these modes of communication were never used. Somehow they had an incorrect address for me. The payment of XXXX was made on the XX/XX/XXXX and the XX/XX/XXXX. They took these payments and sent them to the incorrect address. They could have sent them to the property address, emailed, or called me, but they chose to report it to the credit bureaus. I am asking that this negative mark on my credit be removed because of the miscommunication, the fact that I immediately resolved the matter once I realized what had happened, the nature of my XXXX, which contributed to the situation, and my consistent record of making on-time payments in the past.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2017-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A