Date Received: 2017-01-13
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Hello- I had an account at 5/3 bank that was closed on XX/XX/XXXX. Fifth Third is now attempting to collect a debt of XXXX for an " UNRESOLVED CHECKING ACCOUNT '' acct # XXXX. I was part the class action lawsuit against 5/3 for the following. According to the Fifth Third class action lawsuit, Fifth Third Bank posted debit card transactions and/or ATM withdrawals in non-chronological order so that the bank could maximize the number of overdraft fees it charged to customers who had insufficient funds. Fifth Third Bank denies any wrongdoing, but has agreed to establish a XXXX settlement fund to settle the case, entitled XXXX v. Fifth Third Bank. If you had a Fifth Third bank account at any time between XX/XX/XXXX and XX/XX/XXXX, and incurred at least one overdraft fee as a result of the " re-sequencing '' of at least one Fifth Third debit card transaction in non-chronological order, you 're considered a member of the settlement class and eligible to receive a cash payment from the Fifth Third overdraft fee settlement. This is not a valid debt because of this reason. They have enlisted the help of a debt collection agency XXXX XXXX that is now harassing me to pay.
Company Response:
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2017-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I sent a letter to FIFTH THIRD BANK letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and FIFTH THIRD BANK refuses to delete the fraudulent accounts from my credit report stating in a letter its verified FIFTH THIRD BANK provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2017-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-12
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Well my bank still has not resolved my current complaint with your organization and now I have ANOTHER different issue with them. My dad made a XXXX deposit CASH into what was my savings account but it got switched to a secondary checking account because of too many transfers. This cash deposit was made on XX/XX/XXXX before XXXX. I transferred over XXXX of the funds to my actual regular checking account on XX/XX/XXXX, to cover a small debit purchase and a check for XXXX that my new landlord was holding for our security deposit. No checks were pending or presented on XX/XX/XXXX. Mid morning XX/XX/XXXX, XXXX the transfer from our one checking account to our other checking account of CASH was shown pending and tbe check was pending. Later that afternoon the check was returned even though the cash was in there and available because. I was even able to make my debit card purchase with the transferred funds on the XXXX. There was NO REASON TO RETURN THE CHECK and charge us XXXX fee. Also, dad told the bank teller he wanted the funds to go directly into our regular checking account but she placed it in wrong account. Further more we had to waste time and gas getting funds out by ATM to give a money order to new landlord. we now owe him a fee that his bank charged him. Additionally, we had to pay another XXXX stop payment fee, so we did not have more mess if his bank tried to redeposit it. The customer service lady claims that the stop pay is not guaranteed but took the money. It better be gauranteed and the check should have never been returned in the first place. Our bank notorious for this kind of stuff. Thank you.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2017-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I fell behind on my mortgage payment, I received a letter from Fifth Third bank stating I had until XXXX XXXX, XXXX to pay {$4300.00}. I was approved to take the funds from my XXXX and the paperwork was finalized on XXXX/XXXX/XXXX. Due to the holiday the funds were released to my account on XXXX/XXXX/XXXX. I called the bank to pay the balance owed and found out my loan was sent to the attorney for foreclosure on XXXX/XXXX/XXXX. The day before my loan was to be paid. I called the bank when I was approved from my XXXX company to report the money would be released to me XXXXXXXX business days- they then sent my loan for foreclosure.
Company Response:
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2017-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-04
Issue: Other
Subissue:
Consumer Complaint: XX/XX/XXXX has sent out an announcement that they are changing out consumer 's current credit card with a new TRIO Rewards card ( same credit card number ). This credit card will come with a XXXX % to XXXX % interest rate. My current card that I have had since XX/XX/2004 is at XXXX %. Does this sound like something I would be interested in. Absolutely not. This is how I can keep the card that I have at the XXXX % interest rate. Close it! Pay on the past charges at XXXX % and open a new card XXXX same credit card number ) at the XXXX % to XXXX % interest rate. Does this sound acceptable? Not to me. If I can not keep my card with the XXXX % interest rate XX/XX/XXXX will be loosing my business. Evidently it is legal for them to do whatever they want when they want but to, after XXXX years with the same interest rate, adjust my rate because I did not do anything wrong is unacceptable. I am expediting my complaint thru XXXX at XXXX different complaint points and wanted to go thru cfpb to also insure that my voice is being heard. My attorney suggested that I go to this site and file a complaint.
Company Response:
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2017-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-04
Issue: Delinquent account
Subissue:
Consumer Complaint: I was disputing the information on my credit report without success. So as a compromise, I contacted Fifth Third Bank to settle the debt as paid and full if they deleted it from my credit report completely. The representative I spoke with agreed to settle and delete the account for {$280.00}. I wrote a check for the agreed amount along with a letter detailing our conversation. They received and cashed the check but did not report it correctly to the credit bureaus.
Company Response:
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2017-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-02
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On XX/XX/2016, I went to the 5/3 Bank on XXXX in XXXX to exchange currency for an upcoming trip to XXXX. I requested {$500.00} XXXX and was charged {$410.00}. I chatted with the tellers throughout the lengthy process and was never told that the currency could n't be exchanged the same day. When the teller ( I did n't catch her name, but teller # XXXX is on the paperwork ) finished and handed me a slip over the counter, I expressed surprise that I was not receiving cash. The teller then informed me that currency exchange was a two-day process, but that it usually arrived in one day. I reminded her that I was leaving the country in the very early morning on XX/XX/XXXX, but she assured me that the money would very likely be there the next day. I did n't want to drive back to cancel ( the bank was an hour from my work ), but she stated that if it was n't there XXXX she would call me personally and we could cancel the transaction over the phone and put the money back so I could get the currency elsewhere. I was reluctant to accept due to the hour drive to the bank from my work in XXXX, MI, but did so in the face of no other option and assurances from the teller that it would work out. The next day, I did n't hear from the teller by the afternoon. I called and spoke with another teller who was present but did n't complete the transaction, who did n't understand why I was told it could be cancelled over the phone. She took my information and told me she would call me back after investigating the issue. At XXXX, I called back after I had n't received a call and there was no answer. I was forced to exchange another {$500.00} XXXX at another bank who could do it same-day. I left the country on schedule on XX/XX/2016. When I returned, I called on XX/XX/2016 and spoke with XXXX, who tried to help by reversing fees I had n't been informed of and tried to refund {$350.00}. I denied the refund because it was {$55.00} less than I had exchanged, but was informed that because the exchange rate had changed since I 'd requested the money they could no longer refund the full amount of my money. When I pressed, I was told that the exchange could not be cancelled and could only be exchanged back to XXXX at the lower exchange rate. I refused the lesser refund and asked to speak with a manager. The issue was escalated to the branch manager on XX/XX/2016, XXXX ( sp? ) XXXX. XXXX scoffed at my statement that I did n't know I would n't be given the exchange in the same visit, instead claiming that I should have known they had n't exchanged currency in-branch in years. When I responded that I could n't know that unless I was informed, he promised to investigate the issue. I informed XXXX that I was in the military and was about to be XXXX to another base for 3+ months on XX/XX/2016. He promised to contact me the following day. When I was n't contacted, I called back at the end of the day on XX/XX/2016 and put through to XXXX voicemail. XXXX quickly called me back and informed me that they were still working the issue and XXXX would get back to me. I reminded her that I was leaving on orders over the weekend. I did not receive a call back before I left. XXXX called on XX/XX/2016 and informed me on my voicemail that he was n't going to do anything differently, and that I should contact him to get my {$350.00} back. I returned the call when I got the message on XX/XX/2016 and spoke with XXXX. I requested that my issue be elevated to the regional manager so that I could recoup all of my money, and she promised that my information would be passed to that level. This was the last contact that I had regarding the issue. Now that I am back in Michigan, I would like the issue to be resolved.
Company Response:
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2017-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a mortgage with fifth third. I have never missed a timely payment. They are listing me as late for a month and reported it a negative on my credit report. They failed to apply a payment so it was not my fault. I have tried to work through the issue with them without any success. I recall receiving a letter from them that they had mis-reported the payment but I can not find that letter. It is wrong for them to report me as negative and I am requesting that they report it correctly. Attached find the payment history. Apparently the bank decided to increase the escrow. I did not recall receiving any notice of the increase. I paid the XXXX amount ( see attached bank statement check XXXX ). The payment history shows that as unapplied even though I paid the mortgage and interest. It is wrong for them to report me late when I paid on time.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2016-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-26
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I purchased tickets to an event through XXXX XXXX in XXXX 2016. On the day of the event in XXXX I was not given the full access to the event I had paid for. I disputed the sale with my credit card provider, Fifth Third Bank. My goal was to receive a small percentage back from XXXX XXXX. The last correspondence I have ever received from Fifth Third Bank pertaining to this issue was dated in XXXX. This letter stated that the dispute was settled in my favor and {$330.00} was to be credited back to my account. This amount, nor any amount, was ever credited back to my account. I called Fifth Third Bank numerous times only to be told on each and every occasion that I would be contacted " within the next 48 hours '' to address the situation. NEVER HAPPENED! After a few months of this " run around '' I finally filed a lawsuit with the judicial system in XXXX County, Illinois. Even though Fifth Third was served with the paperwork for this case filing they made the decision to ignore the court summons and DID NOT show up in court. Subsequently I was awarded a default judgment in the amount of {$1000.00} plus court costs in XXXX of 2016. Although Fifth Third made it extremely difficult to find the correct department to forward the judgment paperwork to, I was finally able to fax the documents to the correct department. Within a week of receiving my faxed paperwork I was contacted by a Fifth Third Bank Attorney who initially told me that they would not pay me the full amount and if I did not settle for the considerably lesser amount, Fifth Third Bank would go back to court and file paperwork to have the judgment vacated. I told the Attorney this was not acceptable and my expectation was to receive the entire amount of the judgment plus court costs. This phone call took place on XXXX XXXX, 2016. On XXXX XXXX, Fifth Third Bank, through their Attorney, made the decision to finally bring to a conclusion this issue which they had dragged out for more than 7 months. The decision was made to pay me the total agreed upon amount of {$1200.00}. As of the writing of this statement on XXXX XXXX, 2016, I have still not received any of these monies. FYI : Because I have very little trust for Fifth Third Bank and their agents, each and every phone call since this issue has arisen has been recorded. These audio files are available upon request.
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2016-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-26
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: My name is XXXX XXXX live in XXXX Va. Sold XXXX handbags to XXXX XXXX whom gave me a cashiers check dated XXXX/XXXX/2016 {$1300.00}, check # XXXX, routing # XXXX, and bank acct # XXXX, drawn on Fifth Third Bank in XXXX KY which was returned and I called my bank Suntrust who stated looked suspicious so my acct was overdrawn due to this. Called Fifth bank spoke W/XXXX who stated the acct # on check is good but there was no monies on this cashier check and does not know what happened, so I believe XXXX knew this at the time she presented the check and so I feel I got now where with Fifth Third bank. There customer committed fraud. I been sending emails to here about this and she has not responded so I believe she intended to stiff me out of this monies and I would liked this looked into. her email address is XXXX and with offers up email listed as Deals discuss-XXXX
Company Response:
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2016-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes