Date Received: 2017-04-01
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I opened a checking and savings accounts with Fifth Third Bank on XX/XX/2017. I have made a few cash deposits and two check deposits. Both checks were from my employer who banks with XXXX bank the checks are drawn on an account from there. The first check for XXXX cleared no problem the second for XXXX has been placed on hold. I deposited the check in question on XX/XX/2017 they want to hold the funds until XX/XX/2017. The reason they claim to be doing this is because of my account being new. I have already spoke to my employer and there is no problem what so ever on their end the check has already cleared their bank. The is no logical reason for the hold.
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-30
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: In late XX/XX/2017 a checking account was opened with Fifth Third bank and {$100.00} deposited in via ACH transaction from one of my other accounts. My Michigan Drivers License was provided along with my home address I registered for online access and provided a user ID and password. This information was auto saved on my computer for easier access. A about a week after opening the account I was unable to sign on. Therefore I called and reached the security or fraud dept. The male representative said I needed to answer questions to verify my identity. I was asked 6 questions about my past ; example, previous address, mortgage info etc.. All the questions were answered CORRECTLY. I was impatient with the representative due to his tone and I believe as a result the representative retaliated by refusing to take the restriction off although I did correctly answer all the security questions. As a result, I had to cancel large deposits to cover payments which ultimately bounced. However, with my account restricted and being unable to get to a branch ( work takes me out of state 4 days a week ) There did n't seem like much i could do. For the representative to question my identity is absolutely insane and reckless. My information matches information on all my credit reports and with my drivers license and the fact mail has been received by me at my address ( see attachments ) this representative was simply retaliating and I refuse to allow that.
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-29
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I recently sent a dispute to Fifth Third Bank in regards to an inquiry made to my XXXX report. I was sent back a letter from them denying my request for removal of this unauthorized inquiry from my XXXX report. Please view attachment.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-29
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My 5th 3rd Bank account has been hacked and I have notified them about the breach. This continues to happen after I went into the branch to state I have no online account and nothing is to be transferred out besides my mortgage payment. You see the Bank forces me to keep an account there because I took out a mortgage with them. That said, I complained to the loan officer while doing my loan paperwork that she is sending my private information through unsecured emails. I asked if they have secure email and she said yes and I said I do n't need a password or anything like with other Banks? No not at all, my bank records, social security number birth date and address all out there with no protection. Since then I have had my XXXX acct hacked and 5th 3rd twice and closing the account tomorrow. I called 5th3rd corporate office in OH only to find out they do n't have any compliance department and I mentioned the CCO 's name and she replied " I have no way to contact him or his department. I understand there are rules in place within the Gramm-Leach-Bliley Act that are not being observed by the Bank. I really need some help dealing with the Bank. p.s. The documents I provided to the Bank were emailed through a secure encrypted email system much like other Banks use. Opening it would require a password.
Company Response:
State: IN
Zip: 46845
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-27
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Fifth Third bank has taken funds, via direct deposit, from our bank account. My wife and I have a car loan with them and they took it upon themselves to take additional money out of our account by adding an insurance fee. We have had insurance the whole time and called after the first time it was done to us. They told us that the money would be returned to us after we had insurance company send over insurance information. This information was sent to fifth third bank and we were told that we would be getting our money back. They have for a second month in a row, charged us for the same fee. They now owe us two months on unauthorized charges, and are not returning the phone calls. All my wife and I want are the XXXX unathorized fees as well as the non sufficient funds charges that we have had to incur as a result of them taking this money from our credit union.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2017-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Can the mortgage company request, for the housing counselor to sign the letter of authorization?
Company Response:
State: MI
Zip: 49507
Submitted Via: Web
Date Sent: 2017-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-26
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I was charged approx XXXX overdraft fees, totaling roughly {$1500.00} I was not informed of this and was not given a chance to remedy, and want this money refunded. I was charged approx XXXX service fees, totaling roughly {$900.00} was not informed of this and was not given a chance to remedy, and want this money refunded. Customer Service refuses to work with me and has threatened additional fees if i close and give my business elsewhere. My goal is to get 100 % of my overdraft fees and 100 % service fees refunded.
Company Response:
State: FL
Zip: 32128
Submitted Via: Web
Date Sent: 2017-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-21
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: Received a call from an Unknown number stating from " Department of Verification '' saying certified documents being dispatched to my location tomorrow XX/XX/XXXX and that I should contact them immediately XXXX ext XXXX to avoid adverse decision on my behalf. " You have been notified. '' I called them and spoke with XXXX of XXXX and asked for the documents to be mailed to my mailing address. He only offered to email it to me. The document references a " debt '' with an original date of delinquency of XX/XX/XXXX. The notice says : " Dear XXXX, Our office has been retained to proceed on the aforementioned matter listed above. This letter serves as your formal notice of our intention to resolve this matter with or without your cooperation. If you fail to heed this notice, you leave our firm no choice but to take further action to secure the balance and any additional fees applicable to the contract. If this is a matter you intended to resolve voluntarily due to not having opportunities to resolve via written correspondence or telephone contact, please contact our office to update us of your request. If you have any further questions or concerns, please feel free to contact our office. '' I did not receive any notice of this debt before today. I repeatedly asked for XXXX to mail the notice to my address, because I do not regard e-mail being official, but he refused. He told me they were willing to reduce the amount but because I kept asking for a hard copy to be sent in the mail, I will just have to deal with XXXX court and pay much more since I want it to be " official '' and to have fun in court. XXXX said that his firm is not a debt collector, yet are attempting to collect a debt and do not have to mail me anything. The e-mailed document came from : XXXX XXXX XXXX, California XXXX XXXX : XXXX Direct Line Toll Free Number : XXXX XXXX
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-21
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I wrote and mailed a check for {$200.00} which was stolen from a mailbox and altered to read {$2000.00} and deposited or cashed without being endorsed by someone other than the payee and not at my bank. I discovered this within 24 hours of the check being deposited/cashed and filed a fraud claim with my bank. Thirty-five days have passed and the funds have not been restored to my account and my bank so far is not taking responsibility. In addition, the clearing of the check put my account into a significant overdrawn position of {$1500.00}. While I elected overdraft protection on the account I was surprised that my bank would honor a check which overdrew the account by that much.
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-21
Issue: Incorrect/missing disclosures or info
Subissue:
Consumer Complaint: 53 Bank and their agency XXXX, XXXX allegedly violated the EFTA and 15 U.S.C. 1693 because they have not responded to my complaint timely and did n't inform me initially of what the process was. The tech, XXXX, was laconic.
Company Response:
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No