Date Received: 2023-08-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I was reached out by a guy name XXXX about bitcoins. At the time it seemed like he was honest about what he was doing. He informed me that he could make me more money if I sent him money thought XXXX XXXX It seemed 100 percent legit and proceeded. So I sent total of XXXX dollars thought XXXX XXXX XXXX bitcoins. I did not received anything from him and filled a fraud/scam to my bank fifth third. The first time, I did not tell the truth because I was jus dumb founded about what happened. Then the second time, I told them this guy did not deliver as promised. Both claims denied.
Company Response:
State: OH
Zip: 45251
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XXXX, I called them up to close my secured credit card due to hardship I was having with being out of work for so long. I was trying to protect my credit. Also because I already had way too many credit cards open. I requested that they also make sure that my security deposit gets moved over to the balance so it pays off the balance. They told me it can take up to XXXX to 60 days for the funds to get moved over which is absolutely false! Had many secured credit cards before and only takes a few minutes! I had an issue with this exact same issue with this bank before where they purposely did not move the funds over and the account with them not only was reported late, but got charged off! The exact same thing is happening again! They are not doing what the law requires them to do when you have a secured credit account! When you close the account, it is automatically supposed to be moved over to pay off the balance! That is what a secured credit account is there for. To pay off the balance once it is closed! They are purposely setting me up to fail! I did call them last week to do an investigation, but never heard anything back! I did tell them when I closed this account to make absolute sure these funds gets credited back to my account to pay off the balance. I am never doing business with this bank again! I want to file charges agains this bank for fraud! This is exactly what this is! This credit card is not even showing up on my profile anymore, and am blindsided to even know what my balance is! Think they are doing this on purpose!!! Cant pay this account even if I wanted to.Absolutely no information showing on this account to pay it! Only shows my old credit card number before it was changed with a XXXX balance. I received XXXX emails from the telling me im delinquent and must make a payment right away! They are not doing their jobs, and will only result in my credit report getting damaged again! I will sue the bank this time if this account causes any damages done to my credit report again because of carelessness!!! This is absolutely ILLEGAL!!! I know for a fact that I will have a case!!! Not ruining my credit I worked very hard for because they don't want to do their jobs and do the right thing!!! They should not be offering secured credit cards to customers, if they cant apply the funds to the customers accounts once closed! They do not have the right to just keep the money! That is fraud and theft!!! Also, there was a similar complaint filed with the CFPB a few years ago from the first issue I had with this bank for the exact same kind of issue!!! ( Case # for the banks investigation which I never head back from. case # XXXX )
Company Response:
State: IL
Zip: 60172
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Summary of Complaint : Fifth Third Bank changed the status of two of my business checking accounts from " Basic '' to " Premium '' and " Elite '' without any communication to me at any time. This occurred the month after a change in checking account fee structure and minimum funds was announced. Fees for below minimum funds have totaled {$1000.00}, and Fifth Third has refunded {$320.00} so far, but say they do not refund any more to customers. The resolution I seek is refunding of the {$720.00} balance to me. I have spoken with bank representatives four times regarding this complaint, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all in XXXX. The two business checking accounts are : " XXXX XXXX XXXX XXXX '' acct - XXXX opened XXXX " XXXX XXXX XXXX XXXX '' acct - XXXX opened XXXX In XXXX and XXXX, I opened these accounts as " Business Basics Checking '', with no service charges for minimum balances. On the XX/XX/XXXX bank statements, there was fine print at bottom with a general statement, " Some of our fees are changing ... '' with no other specific information. The following month, XX/XX/XXXX statements show account XXXX was inexplicably changed to " Business Elite Checking '', and XXXX changed to " Business Premium Checking ''. No service fees were charged that month, and no communication was provided in explanation of any new fee structure. I did not request these accounts to be elevated to " XXXX '' or " XXXX '' levels, never received notification of these changes, and have never used any of the additional services available to these levels. However, it turned out that " Elite '' and " Premium '' accounts had minimum balance service charges. " Basics '' does not. Since then, fees for below minimum balances have been charged and money removed from my accounts whenever balances fell below the minimums set by the " Elite '' and " Premium '' policies. Through XX/XX/XXXX, a total of {$550.00} was taken from XXXX, and {$500.00} taken from XXXX. No fees would have been charged if the accounts were left at " Basic '' levels. After talking with bank representatives, the bank tried to remedy the situation by reversing service charges of {$75.00} on XX/XX/XXXX, and {$250.00} on XX/XX/XXXX. This leaves {$720.00} of money remaining to be returned to me. The bank says no further service charges can be refunded because " {$250.00} is the most we've refunded to other customers in the past ''. My uploaded documents show the bank statements where my checking account status was raised without permission or communication from Fifth Third Bank, and spreadsheet of minimum balance service fees charged.
Company Response:
State: OH
Zip: 45215
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have received a cashiers check from fifth third bank. My bank. XXXX XXXX says the check is not good and i need to call fith third bank to get this resolved. fifth third bank will not help or call me back because they say they paid the money to XXXX XXXX. Again XXXX XXXX says they did not receive the funds. I am out XXXX $
Company Response:
State: NC
Zip: 27263
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My wife and I opened a Fifth Third XXXX XXXX account on XXXX for {$200000.00}. We were told the process would take 3 - 4 business days. By XXXX XXXX we still had no access to our funds and 2 letters arrived from Fifth Third informed us that our account was on temporary hold. Reason for hold on deposit : Confidential information that check XXXX not be paid. Date funds available for withdrawal : XX/XX/XXXX. XXXX XX/XX/XXXX we visited the XXXX XXXX branch. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX said she would see about getting the temporary hold pulled by Monday ( XXXX XX/XX/XXXX ). We did candidly express our concerns over The Consumer Financial Protection Bureau filing a lawsuit in federal district court in the XXXX XXXX XXXX XXXX against Fifth Third Bank , National Association ( Fifth Third ) ( RE : XX/XX/XXXX ). Also we learned that the U.S. Attorney 's Office, Southern District of Ohio announced XX/XX/XXXX : XXXX charged in conspiracy to steal account information, money from bank customers. Also we learned that the U.S. Attorney 's Office, Southern District of Ohio announced XX/XX/XXXX Defendants sentenced for roles in conspiracy to steal account information, money from bank customers. With this unusual temporary hold that was never disclosed upon opening the account on XXXX XX/XX/XXXX we felt that the CFPB should be advised. Fifth Thirds XXXX XXXX did assure us that we would still be accruing interest from the account opening date XXXX XX/XX/XXXX. However, in the meantime Fifth Third, XXXX, Ohio has put a hold on {$200000.00} of our funds until XXXX XX/XX/XXXX ( 11 days ).
Company Response:
State: OH
Zip: 44133
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I made 2 transfers that involved my other bank accounts without any issue, and 1 on XXXX XX/XX/2023, shortly afterwards I received an email saying that they put my account on hold and that I'm supposed to call them and so i did. I explain to 4 different people in Fifth Third of what is going on, they said that they use a 3rd party application for these transfers and it was not able to provide that I am the owner of those bank accounts, i told them i am the owner and i can provide them with the account statements. However, they do not accept account statements being emailed or send electronically, they want me to come to a branch and show it to them. I asked them where is the nearest branch to where i live and they told me it is 9 hours and 56 minutes away, i ask them is it reasonable to ask me to drive or fly all the way there just to show account statements, i also asked if they will reimburse my travel expenses if i do and they said no. They blamed me because i moved away from their branch, I guess that they dont realize people do not always live in the states where they opened their account or that moving out of state is a foreign concept to them. Eventually, they gave me 2 choices which are close the account or drive 9 hours and 56 minutes just to show them account statements that can be send electronically. I told them you can close the account but the funds that i have in the account can either be send in a check after 30 days or i can withdraw it through their partner ATM which there is a fee to that. I dont understand why they need to keep XXXX of my money for 30 days if they choose to close the account today. In 2023 where any other bank accounts including IRS accepts electronic documents, apparently Fifth Third does not. In addition, i also would like to add that i have shown every good faith that i have, yet Fifth Third treats their 3 year long customer like a criminal and at the same time they dont want to provide a reasonable way for me to provide the account statements and they keep my money XXXX for additional 30 days, just to let you know, Fifth Third also withdrew my money from my other account then put the hold on my account, which if you think about it is highly unethical. Moreover, the total amount of money after the transfer is a little over {$4000.00}. For the customers, I hope you read my case with Fifth Third and think twice before opening an account with them, and as for CFPB I hope you view how unethical they operate and make an example of banks who hold their customers money XXXX.
Company Response:
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Extension was requested and granted on XX/XX/2023 for payment months XXXX, with next payment due month XXXX. I have received a cure notice since that time threatening further action. Fifth Thirds is also reporting these months as delinquent to the credit bureaus. This has since caused other companies to reduce my credit limit further impacting the damage fifth thirds is causing by inaccurately reporting. I have contacted fifth thirds when I received the cure notice and was informed there were extension files from XXXX that were not processed but they would make sure this gets handled.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This started XX/XX/2023, some mobile deposits were made not by me, and they were fraudulent checks. Then withdrawals were made using XXXX XXXX which I don't have I don't even know what that is, and XXXX. I tried and tried, I spoke to the fraud department was told, I needed disputes so I talked to them. I was told that I did this, and took the money. I didn't do this. I wouldn't do this when XXXX weeks later our social Security was going to be deposited. I just want what is rightfully mine.
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2023 ] Customer Service Department Fifth Third Bank [ XXXX XXXX XXXX, XXXX, OH XXXX ] Subject : Request for Assistance with Check Fraud and Reimbursement of {$2500.00} Dear Customer Service Team, I hope this letter finds you well. I am writing to inform you about a concerning situation involving my Fifth Third Bank account. I have recently become a victim of check fraud, and I am seeking your assistance in resolving this issue and requesting reimbursement for the fraudulent transactions. On XX/XX/2023 I discovered unauthorized activity on my account involving a fraudulent check that were written in an error of employer and deposited with XXXX XXXX XXXX consent but was no funds in secondary account so XXXX XXXX XXXX accounts at fifth third has a lock and block on card. These transactions also have resulted in a loss of {$2500.00} from my account. I take this matter very seriously and promptly reported the fraudulent activity to the local authorities and obtained an official police report. I understand that Fifth Third Bank is committed to safeguarding its customers and providing support in cases of fraudulent activity. I kindly request that you initiate an investigation into the unauthorized transactions on my account and take appropriate measures to secure my account from further breaches. Additionally, I am requesting reimbursement for the full amount of {$2500.00}, which was unlawfully withdrawn from my account due to this fraudulent activity. Please find attached copies of the relevant documents, including the police report and any other supporting evidence. I am fully cooperating with the authorities and am prepared to provide any additional information required to expedite the investigation. I trust in Fifth Third Bank 's dedication to maintaining the security of its customers ' accounts and resolving issues promptly. I kindly ask for your assistance and support in this matter. I believe that with your expertise, we can swiftly address this situation and ensure that I am rightfully reimbursed for the unauthorized transactions. Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. Sincerely, XXXX XXXX XXXX
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, while on vacation in XXXX XXXX via the XXXX XXXX, XXXX was charged to my debit card by XXXX XXXX & XXXX ( which after investigating the location of this restaurant was determined to be located in XXXX XXXX ( 16-20 hours away from XXXX XXXX XXXX XXXX XXXX XXXX ) where the ship docked as our 2nd port of call. ) I notified Fifth Third Bank within 45 minutes of seeing the transaction post to my account since I receive email alerts of all account transactions. When I tried using my debit card at the port in a small shop called XXXX XXXX XXXX, I was told that my transaction was declined. I called Fifth Third Bank at XXXX to ask if there was a block on my card since I am from XXXX, but was travelling internationally. They said that I should be able to use my card but I did not swipe my card at any other location while at the port. This restaurant does not even have a location at the port nor was it possible to travel there during the 8 hours that our ship was docked. I have presented Fifth Third Bank with my travel XXXX, XXXX stamped photos of me in XXXX XXXX with the fact that they have recorded calls from me in XXXX XXXX to resolve this and reporting this issue while it was a pending transaction. I was given the phone number of XXXX from a Fifth Third Bank disputes team manager and the number is not even valid. This should have been an open and shut case of fraud, but the Bank will not give me my money back. I have no way of reaching out to XXXX. My issue is with my bank and its failed investigation and tge resulting hardship this has caused me financially.
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A