Date Received: 2017-06-09
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: BANKS OF NORTH CAROLINA NC General statute article 22 53-282 ( b ) The licensee shall ensure that each customer cashing a check shall be provided a receipt showing the name or trade name of the licensee, the transaction date, amount of the check, and the fee charged. ( c ) A licensee shall ensure that in every location conducting business under a license issued under this Article, there is conspicuously posted and at all times displayed a notice stating the fees charged for cashing checks, drafts, and money orders. A licensee shall further ensure that notice of the fees currently charged at every location shall be filed with the Commissioner.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2017-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I entered into trial payment plan to modify my loan. I submitted payments on time as specified by 5/3 Ba nk. However my XXXX payment was returned because they stated I had not paid my trial payments. My local bank manager XXXX XXXX and I called to te ll Loss Mitigation Department that I had paid and had proofs of all payments. We were then told that Loss Mitigation could not see the payments on their computer. I pers onally called and with the local bank faxed over copies of my certified checks and 5/3rd bank receipts to Loss Mitigation XXXX XXXX ,2017. I 've had several calls to verify they received verification of payments that should already know about and to restore my modification. This has been an oversight by the servicing b ank 5/3rd. They have not fulfilled my modification and restored my loan and made any corrections to credit reports. They have acknowledged receiving verification fax but have n't ' fixed their oversight. It was acknowledge through phone call 2 weeks ago.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2017-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a notice dated XXXX / XXXX / XXXX from my lend er, Fifth Third Bank, regarding a shortage in my escrow account that I needed to pay by XXXX / XXXX / XXXX . Upon inspection of the notice, I found several errors. First, the escrow statement showed that my lender was continuing to deduct PMI monthly, though no PMI payments have been reflected on my monthly mortgage statements since XXXX XXXX . I sent Fifth Third a request to stop PMI once I reached 80 % LTV ; by XXXX XXXX my payments put me at 78 % of LTV so Fifth Third Bank is illegally containing PMI on my mortgage account, and have been doing so for months without my knowledge. Second, my escrow statement includes projected PMI payments well into XXXX , though I am already below 78 % LTV ratio. Finally, escrow statement includes a double payment on my homeowners insurance for XXXX -- which they paid in XXXX XXXX and my statement shows an additional XXXX XXXX mortgage payment, which accounts for most of the escrow underage they claim I owe.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: A company, named XXXX XXXX XXXX XXXX , opened a business bank account with Fifth Third Bank at a location in XXXX , North Carolina in XXXX and operated the account for over one year without any problems. However, though the account was opened in the name of the business, the bank listed an individual as the 'owner ' and 'secretary ' without the company 's authorization and without confirming the designations. The actual shareholders and directors of the company were not aware of the bank 's error until the bank initiated a new process for verification of wire transfers in XXXX or XXXX of XXXX . The company 's owners initiated a wire transfer for a corporate client which was blocked by the bank after the individual erroneously listed as 'owner ' told the bank he had nothing to do with the company and therefore could not and would not be able to verify the wire transaction requested. The bank acknowledged to the company 's shareholders and directors that it previously did not confirm the individual 's relationship to the company before listing him as the owner of the account, but the bank has nevertheless refused to offer any type of resolution to the company. The company shared all corporate records with the bank to establish ownership and corporate structure, but the bank 's legal department never returned messages or attempts to communicate and resolve the issue. The funds which were withheld were in excess of {$120000.00} and cost the company several corporate clients due to lack of payment, resulting in loss of revenue estimated in excess of {>= $1,000,000}.
Company Response:
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX Please see the letter I sent the bank CEO below for a description of the problem. The bank has been extremely reckless in giving my money away. It is obvious that the check has been altered. The hand writing is different on parts of the check. It the bank would have used a check scanner they would have discovered the check had been altered. They have lied to me over the months regarding the process to get my money returned to me. I feel they have abused me greatly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX President & CEO Fifth Third Bancorp XXXX, OH XXXX Ohio Sec. of State, Entity # XXXX XX/XX/XXXX Agent Registrant : Corporation Service Co. XXXX Incorporator : XXXX XXXX XXXX Cell : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : {$5500.00} Loss from my Fifth Third Checking Account Dear XXXX XXXX XXXX XXXX, I am writing to you in hopes that you will restore my {$5500.00} into my checking account. The history of this case is as follows : I have been a Fifth Third Customer for a very long time. I have a good friend XXXX XXXX XXXX who is a XXXX XXXX in XXXX. Her XXXX work had been presented by XXXX XXXX years ago on XXXX. I am also happy to report that I had nominated her for the XXXX XXXX XXXX XXXX. The XXXX had informed me that they rarely award this XXXX because no one can qualify for it. But I am happy to say she did receive it. Her birthday Is the day before XXXX. I always send her a check for her birthday and one for XXXX. On XX/XX/XXXX I wrote a check for {$100.00}, check # XXXX. And on XX/XX/XXXX I wrote a check for {$100.00}, check # XXXX. See enclose copy of those from my check book record. I mailed the Birthday and XXXX Cards with the checks in a larger envelope onXX/XX/XXXX, see my enclosed post office receipt. Unfortunately, I had been ill over the holidays and had been in the hospital several times. When I had improved, I began going through all my mail. When I went over my Fifth Third Bank Account Summary for XX/XX/XXXX-XX/XX/XXXX, I was extremely shocked to see that check # XXXX had been paid by the bank on XX/XX/XXXX, for {$5500.00}. See attached Account Summary. I knew I had not made out such amount on a check. When I looked at the small check image the bank sends me, I noticed that the check had been altered. See large copy the XXXX XXXX Branch gave me on XX/XX/XXXX enclosed. On the check, they inserted a XXXX in front of the XXXX to make it XXXX They removed XXXX XXXX and inserted XXXX XXXX XXXX. They removed the {$100.00} amount and inserted {$5500.00}. Where I had written out XXXX XXXX XXXX and no cents they removed that and inserted XXXX XXXX XXXX XXXX -- -. In the for section, they inserted Shipping charges. They left my signature as is. XXXX XXXX XXXX never received the cards or checks I had sent her. I am a XXXX XXXX XXXX XXXX. Looking at this check would certainly raise a red flag in my mind esp. the {$5500.00} for Shipping charges. If I was an employee of the bank, I would not have approved this check. I would have notified my supervisor and requested that the XXXX be called to verify if he did indeed write such check. I have had XXXX with XXXX XXXX XXXX forever. They are always calling me about what they believe is suspicious activity. I am currently on 2 weeks of XXXX Vacation in XXXX, PA visiting family and friends, and they called me to see if I was in XXXX using my credit card. Now here is a company that does not want its clients being ripped off. I met with XXXX XXXX XXXX XXXX, Fifth Third Personal Banker at XXXX XXXX XXXX, MD XXXX, XXXX, OH XXXX on XX/XX/XXXX and informed him of what had taken place, and he informed me it would be investigated, and I could expect to get my money back. Sometime later, I received a call from XXXX XXXX who informed me she was from the XXXX XXXX XXXX. in XXXX and had a very difficult time tracking me down. She informed me that the check looked suspicious and did not want to cash it until she spoke with me. I immediately told her the check was a fraud and not to cash it. She gave me her e-mail address and her phone number, and informed me to notify my bank so that the funds could be transferred from her bank to my bank, and ultimately back to me. I called XXXX XXXX XXXX XXXX and informed him of what had taken place. On Mon. XX/XX/XXXX, I sent XXXX an e-mail inquiry and received an Automatic Reply, see attached. See the attached e-mail that had been sent to me on Tue. XX/XX/XXXX from JXXXX XXXX. See the attached e-mail datedXX/XX/XXXX That XXXX XXXX sent XXXX XXXX, which also includes and e-mail at the bottom from XXXX to me. I was in contact with XXXX again this week, and he encouraged me to wait another 10 days and everything should be cleared up by then. I was with my cousin last night and his wife, and I informed him of all of this. They were quite shocked. My cousin is in a multistate business and he informed me that he works with several banks and knows a great deal about banking procedure. He informed me that due to the magnitude of this problem I should not be working on this situation with a branch office, and that I should not wait any longer and should contact the corporate office of this situation immediately. Since I was concerned about his concern, regarding the time length with nothing accomplished, I called XXXX my XXXX XXXX XXXX XXXX buddy, and XXXX also encouraged me to contact your office which I am now doing in hopes of getting this problem resolved. I hope I have not put XXXX in an awkward position ; he may have already contacted corporate about this situation. I would like to see my money replaced in my checking account with hopefully interest added. If for investigative purposes, it is better for me to wait, then I will do that because I would like to see the criminals brought to justice. XXXX XXXX XXXX your investigation and help in this matter is very deeply appreciated. Very sincerely yours, __________________________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCompany Response:
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Trying to u se s se rvice the bank has not responded to the request it 's been almost a week
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2017-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My only issue is that my bank ( 53 Bank ) takes way to long to send current info to my linked accounts. " XXXX '' for example is an instant pay Service that essentially loans money out based on hours worked, and weekly direct deposit information. However my bank was flagged by XXXX XXXX for taking unusually slow compared to most banks to send updated bank info. Sometimes it 's takes until Monday after payday ( Friday ) for Fifth Third Bank to finally show my linked accounts that I have been payed from work.
Company Response:
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have online bill payment with XXXX XXXX for several years. When I setup the accounts I entered all the payee information, company, account numbers etc. From time to time, some of my accounts have changed their mailing addresses for payments and I have edited them as needed. As of a couple of months ago I could see these addresses and edit them to assure proper payment. XXXX has now blocked my ability to see the addresses they are using for my accounts. I believe this is a tactic to make it more difficult to move to other financial institutions. Please see attached notes : Date : XX/XX/XXXX To : Fifth Third Bank From : XXXX XXXX Subject : Re : Re : Bill Payment Regardless of your relationships with MY payees, I still need the mailing addresses of the companies I do business with. I established these accounts and need to obtain the preferred addresses. -- -- -Original Message -- -- - XX/XX/XXXX Dear XXXX XXXX , Thank you for contacting Fifth Third Bank in regards to obtaining a list of your online bill payment Payees. I would be happy to assist you with this matter. We are unable to provide you with a list of your online bill payment Payee addresses and I apologize for any inconvenience which this may cause. We have established a relationship with several payees. The payees have provided us with their preferred payment address. If you would like to verify that the address provide is correct, please provide us with the payee in question. We will provide you with the address on file. If you need further assistance, please email us 24 hours a day or call a Fifth Third Bank Customer Service Professional at XXXX M-F XXXX XXXX - XXXX XXXX and Saturday XXXX XXXX - XXXX XXXX EST. Sincerely, XXXX XXXX. Fifth Third Bank On XX/XX/XXXX XXXX XXXX, XXXX XXXX wrote : > I asked in the original email for a list of all the addresses in my bill pay. I just spent 45 minutes on the phone with customer service only to be told I would have to reenter all the accounts to see the addresses. The information is available to you and I need a list of the accounts and addresses for my files. > > -- -- -Original Message -- -- - > > XX/XX/XXXX > > Dear XXXX XXXX , > > Thank you for contacting Fifth Third Bank. I am happy to assist you. > > We have established a relationship with several payees. The payees have provided us with their preferred payment address. If you would like to verify that the address provide is correct, please provide us with the payee in question. We will provide you with the address on file. If you would like to enter the address yourself, you would need to create a new payee and do not select any of the options that appear. This will allow you to enter your own address for a particular payee. > > If you need further assistance, please email us 24 hours a day or call a Fifth Third Bank Customer Service Professional at XXXX M-F XXXX XXXX - XXXX XXXX and Saturday XXXX XXXX - XXXX XXXX EST. > > Member FDIC, Equal Housing Lender > > Sincerely, > > Customer Service > Fifth Third Bank > > > On XX/XX/XXXX XXXX XXXX XXXX XXXX wrote XXXX > > Name : XXXX XXXX > > > > Phone : XXXX > > > > Email : mailto : > > > > Comment : I want to see the addresses of my bill pay accounts. I used to be able to change/edit them and now you have blocked that feature. Please attach a the list in your return email. > > >
Company Response:
State: OH
Zip: 43085
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-06
Issue: Can't stop withdrawals from your bank account
Subissue:
Consumer Complaint: My vehicle was paid in full on XX/XX/XXXX . On XX/XX/XXXX the bank pulled a additional payment. Upon calling the bank they acknowledged the overpayment and stated that since it was ach from my account that the check would be mauled back to me. I still as of today have not received the check. After speaking to the bank they now state they do not have a association with the Bill p ay sevice. However upon searching the billpayment service it shows owned by fifth third. The bill payment swrviceis also now staying they have no record.I have provided bank statements and have spent countless hours working to get back the overpayment.
Company Response:
State: IN
Zip: 47711
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX XXXX - I overdrafted on my checking account, so I called Fifth Third and signed up for overdraft protection on my account that was connected to my Fifth Third credit card.
XXXX XXXX - I overdrafted on my checking once more and was charged an overdraft fee, so I called and they said I never signed up for overdraft protection, so they signed me up for it once more. XXXX XXXX - The same thing happened. I was charged with an overdraft fee once more, so they set me up with overdraft protection again. I then filed a complaint with the CFPB. They reply letter from Fifth Third lied and said that I denied overdraft protection from the bank. XXXX XXXX - Again, I was charged an overdraft fee. I called, they said there was an error with signing me up so they had to set me up with overdraft protection again. XXXX XXXX XXXX - I once more was charged for overdraft fees and I called and they again said there was an error setting up my overdraft protection and they said there is nothing they can do for me because they do n't have anything on file of me signing up for overdraft protection. This has gone on for well before last XXXX . Fifth Third has constantly charged me with erroneous fees that they ca n't explain and I 'm stuck paying for them. I will be switching banks in the next few months once I close my business, but I want these errors and constant fees to be reimbursed. Whether its ignorance on their part or straight up trying to get away with charging fees when they should n't, I should n't have to pay for their issues.Company Response:
State: MI
Zip: 48430
Submitted Via: Web
Date Sent: 2017-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A