Date Received: 2017-04-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is my second complaint and while I 'm usually not one to co mplain this is getting a bit old waiting on 5th 3rd to c orrect their accounting. The last complaint I was trying to stop from the repeated calls which did slow down, but I did still get calls. I also asked them to fix the accounting errors which still has n't occurred. They have not fixed an error that they posted my payment to principle instead of applying to my payment. I did actually provide my list of payments that seems to have been ignored.
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: During the month of XXXX XXXX , I went into Fifth Third Bank to apply for a Unsecured Flexline load application ID # XXXX . I was told that I had been denied of this loan and received a letter with alot of not true facts. For one m y credit was XXXX which you only need a XXXX , I have a car loan that has been paid off in full with a long length of credit. I dont have any credit balance on my credit repo rt. Fifth Third Bank turn ed my down but the next day XXXX XXXX gave me a personal loan and a credit card, XXXX XXXX XXXX gave me a credit card as well. These banks was looking at the same credit report. Because who ever the underwriter was on my application didnt do their job.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-15
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: XXXX have a duplicate acct ln my report. Fifth third Bank checking acct XXXX.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-14
Issue: Billing disputes
Subissue:
Consumer Complaint: Fifth Third Bank allowed charges of {$17.00} to go through on a card account, ending XXXX, which I had not call to authorize use on. On XX/XX/XXXX when I called they admitted their mistake ( telling me anything under {$50.00} would go through ) and reversed the late charge and the balance ( {$17.00} ) was paid, my credit report would not show a late. On XX/XX/XXXX my credit report was hit and dropped substantially. I immediately called and spoke to customer service who apologized, saying she would forward an email to have it corrected. On XX/XX/XXXX I received a letter from XXXX. VP of Fifth Third Bank stating they tried to investigate but need more info ... To date it has not been corrected
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2017-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-13
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Tuesday XX/XX/XXXX, my car a XXXX XXXX XX/XX/XXXX was repossessed by Fifth Third Bank. I purchased the car from XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fifth Third Bank claimed there was a lien on the car from the previous owner. I have a lien release from Fifth Third Bank stating that the loan obligation was paid. My loan is with XXXX XXXX XXXX XXXX and XXXX has a lien on the car. I have a copy of the title in my name with XXXX as the lien holder. I 've made several attempts to contact Fifth Third Bank trying to resolve the situation. They refuse to speak with me due to the fact that I am not a customer of them. I 've spoken to the DMV regarding this matter, but they can not help with this issue. The bank also refused to speak to a legal attorney XXXX XXXX, who has sent several notices to them regarding this matter. I am currently paying a car note and insurance for a car that is not in my possession. I tried to cancel the insurance and registration but it can not be done without the license plates which Fifth Third Bank has refused to hand over, along with personal belongings which was left in the car.
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-13
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: The bank released 2 years of financial transaction and my account number to anparty not associated with my account. The bank then allowed a deposit from the same third party on a second incident again who is not associated with my account.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have a number of accounts with 5/3 bank. The staff always has been aggressive in selling products. In 2004 a loan officer approached us about equity lines. Long story short -- worst mistake EVER. We took out equity lines on our free & clean homes. Appraisals were flawed & the loan officer misrepresented some information. We know now of course we should not have done this!! This was during the wild west lending period. I wish we could say we took lavish vacations or bought expensive cars -- No we put the $ $ back into properties. We have been paying on these lines for 13 years -- we are now in our XXXX 's -- can not sell for what we owe!! We are having an impossible time making these payments. This situation is ruining our health & causing sleepless nights. We would like 5/3 to reduce the balance owed on these properties. Here is the last straw -- I put this all into writing to 5/3 & went to submit & their website said " technical difficulties -- could not submit '' Grrrr PLEASE HELP!!! XXXX & XXXX XXXX
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-09
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: XXXX is threatening me to file a lawsuit to collect a debt that was not mine and has been taken off of my credit report. The only Fifth Third Bank account I had was one that shows up on my credit report as closed and paid off and this other debt was after I closed this account.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2017-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: My overdraft settings were changed in XXXX without my knowledge, and after a slew of automatic payment went through over the weekend, my account was overdrafted. I was not alerted via the mobile app, or by the online banking system. I was told that a 'courtesy paper alert ' was mailed out to me. Which does n't help because A ) I ca n't get mail on Sundays and B ) by the time I would have received it these fees probably would have totaled several thousand dollars. I was told that it is n't their fault the notification did n't go off properly, and that the 'paper alert ' is a courtesy to which they extend their customer. Seems pretty predatory to me. All in all, I incurred XXXX overdraft fees over the weekend past 3 business days : {$73.00}, {$370.00}, and {$140.00} ( which is still pending even though I brought the account to a positive balance by the time it was posted ). I called customer service and was told that it was my fault that the setting had been changed and that I had n't noticed it until the account was overdrafted. ( I mean, duh, of course I would n't have noticed a change on my account until I get charged several hundred dollars in fees ). Anyways, this first person told me there was nothing they could do. So I asked to speak to supervisor who also said the same thing. Until she said that she could reverse {$37.00}. Then we got disconnected ( I mean, of course we did! ), and I waited 5 minutes for a courtesy call-back, but of course, nothing. So I call back customer service, jump through all the automated system hoops, and explain that I got disconnected. The agent says that she will have the supervisor call me back in 3-5 minutes. Okay. 30 minutes go by, and ( of course ) no call back. So I call back a third time, and get a different sup. on the phone. She tells me that she is able to reverse up to {$74.00} ( {$37.00} XXXX ) of the fees on my account. Yeah ... that 's still over {$500.00} in overdraft fees that they 've swindled from me. So, I point out that I 'm not satisfied, I 've been a customer in good standing with this bank for almost 5 years and ask if they will extend a courtesy to me of reversing these fees. No, of course the ca n't. She ca n't help or do anything else about it. She ca n't even explain what went wrong with the alerts and settings in the first place. So I ask to speak to her manager. Who eventually offers to reverse an additional {$74.00} ( thats {$37.00} XXXX ) in fees ( seeing a pattern hear yet? ) I tell her that I am extremely disappointed with their handling of this situation and that I 've never gotten such a run around from a bank before. She ca n't explain why the alerts did n't work, how the settings got switched, or even what their official policy on administering refunds is. She only tells me that j $ XXXX is as much as she is allowed to refund ( which seems arbitrary when you ca n't even explain the policy behind it ). So, I 'm out almost {$450.00} for what amounted to less than {$70.00} in money actually overdrafted. And 53 does n't give a XXXX. They do n't care that a committed customer is on the verge of closing the account in it 's entirety because they ca n't seem to make things works correctly. Alerts do n't work, settings that change mysteriously, and a lack of explanation and empathy/making things right again make this whole institution seem like one big, scammy predator. And why not? That 's the treatment we 've almost come to expect here in America. I do n't know why I expected more from 5/3.
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-04-04
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I received an email in XX/XX/XXXX alerting me to potentially fraudulent charges on my card, and was prompted to select " Take Action. '' 5/3 shut off my card, but never contacted me or sent a replacement. A month later, after not receiving a letter, email or call, I called customer service to get a status, and learned they were waiting for me to resolve the matter, and lied about trying to get in touch with me. A very rude customer service agent was not helpful or pleasant and refused to give dates for times they attempted to reach me. I received a replacement card in the mail two weeks later that i never activated. I decided to close out my accounts with 5/3 bank, and was met with rude and uncaring workers at my local branch. I requested assurance that my accounts were completely closed and there was no step left, or action needed on my end to finalize the process. I was condescendingly told that " they had done their jobs '' and that I was completely closed out, but that I should check on line if I did n't believe them. Once I got home from closing my accounts in the branch on XX/XX/XXXX, I saw that the replacement credit card and my checking account had been closed, but that the fraudulent card was still open, even though it should have been closed in XX/XX/XXXX. I called my local branch, which condescendingly told me that the account would n't officially close until Tuesday, XX/XX/XXXX, and when I questioned why XXXX was closed and XXXX was n't he did n't have an answer, but told me to check back on XX/XX/XXXX. When I looked today, it was the same story, with the fraudulent card still being open with a XXXX balance, but the other accounts being closed. through back and forth via email, customer service told me that all of my accounts were closed, and when I asked about the fraudulent account, I was told that a supervisor would be reaching out by end of day, and still have not heard from anyone, by phone or email, and my account is still open.
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2017-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No