Date Received: 2016-11-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Over past few weeks have been receiving phone calls that caller ID identifies as Fifth / Third bank. the # is XXXX. When I pick up and answer there is silence on the other end of the line ( I can not tell if its a human or a robot. After a few moments the phone will disconnect. Yesterday I call 5/3 @ XXXX to verify if the phone # calling me was a 5/3 # ... after being put on hold the representative came back on the line & stated that YES ... THIS # IS FROM THEIR COLLECTIONS DEPARTMENT, ( SHE ADMITTED THAT 5/3 WAS MAKING THESE CALLS ) plus I have had other similar calls from other # 's .... 15 USC 1692F ss 806 ( 5 ) Seems clear regarding this type of call. THESE ARE HARRASSING PHONE CALLS. IT 'S INCONCEIVABLE TO ME THAT A BANK WOULD ACT IN SUCH A DISPICABLE MANNER, I do n't even believe it is me that they 'd be trying to contact ... PLEASE HELP WITH THIS ISSUE Thank You.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2016-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-29
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have an auto loan through fifth third bank. they stated that they sent me 3 to 4 letters requesting my insurance information which I received none .. although they have my phone number listed on file I received no phone calls from them. They took an extra {$410.00} out of my bank unauthorized on top of my normal {$450.00} car payment as a punishment of not giving them my insurance information in XXXX. I immediately notified my insurance company to provide them with my current insurance and to show that NO lapse in coverage has ever been with regards to my vehicle. I was told by fifth third bank that it would take 3 to 4 weeks to refund my money to this day I still have not received a refund of the {$410.00} after providing The requested documentation .... fifth third bank then took out an extra {$410.00} on top of my normal {$450.00} payment in XXXX even though they received my insurance information this transaction overdrew my account charging me overdraft fees through my bank. fifth third bank now owes me {$820.00} and I have not received any of it back and I 'm being told I have to wait for their process when I live paycheck to paycheck for like 80 % of the population. and they really do n't care and they are in no rush to give me my money back when they had no right to take it out to begin with.
Company Response:
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2016-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am complaining in the strongest possible terms about the circumstances regarding my house insurance premium not being paid to date. 5/3 Bank has absolved me of the responsibility of paying the premium myself through the use of your escrow system. My premium was due on XX/XX/XXXX last. I received a letter from XXXX informing me that our policy was about to be cancelled on XX/XX/XXXX at XXXX. Letter dated XX/XX/2016. I received the letter on XX/XX/2016. I was on the phone at approximately XXXX, only to be disconnected at XXXX by your customer service rep XXXX. I then drove to the branch in downtown XXXX at XXXX. I sat with XXXX while she went through phone queue hell. While on hold, she explained to me that there was a glitch due to the bank having changed escrow providers, she also pulled up an internal email explaining to the staff of this problem. Your customers, me, were not informed of any problems with this at all, I had to find this out on XXXX when I visited the branch. XXXX was then told that the check to XXXX was in process and would be mailed the next day ( XX/XX/XXXX ) I was also told by XXXX, after she got in touch with XXXX, that if a check number could be supplied, it would give me a 10-day extension. Of course, there was no check number available. I left the branch at XXXX I got a voicemail from customer service on XX/XX/XXXX at XXXX explaining that the check had already processed and that a next day delivery was not an option. I checked my insurance online today and still no payment to the insurance company. I then went to the branch in downtown XXXX at XXXX and spoke to XXXX , ( or XXXX ) We spent over an hour in the phone queue to the Escrow department. We found out that the check was not mailed out till XX/XX/XXXX. We got the check number so that I could forward it on to XXXX insurance, if they do n't receive the check on the XXXX. I left the branch at XXXX. What I would like is the following : An explanation as to why none of your customers were informed of this issue. An assurance from 5/3 Bank that it will assume any responsibility for any claims that may arise until the insurance is back in force and in good standing An explanation as to why I was lied to at the branch about payment being made. Compensation for time spent trying to rectify this issue, in my case, 3 hours at my overtime rate of {$36.00} an hour. This is time that I used in excess of my normal working day.
Company Response:
State: OH
Zip: 45042
Submitted Via: Web
Date Sent: 2016-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-24
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: All Payments have been made to fifth third bank they reported me for fraud which is a lie I was giving a bad check I never withdrew the money from the bank so how is that fraud I even paid the bounce check fee I have disputed the issue and they reported me to checking account agencies which want allow me to open accounts after I paid them XXXX yes chump change and they acting like I stole XXXX dollars Filed a false claim under my name for their own personal Agendas.
Company Response:
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2016-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-21
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On XXXX XXXX an employee of ours forged my name on a company check and cashed it for {$2000.00}. After an audit of the account in XXXX this fraudulent check was found. I went to the police and they obtained pictures of her cashing the check, the cancelled checked. I pressed charges against her, she admitted to signing and cashing it and she was arrested and charged accordingly. We filled out a Domestic Collections Fraud Packet Information with 5th/3rd Bank on XXXX XXXX. 2016, and submitted it to the Bank. After countless phone calls and transfers to different departments to check on the status of the Forgery/Fraud Instrument Affidavit we were advised it could take up to 45 days before review and refund of our money. Today we received a letter from the Dispute Resolutions Manager at 5th/3rd Bank, that our claim for Check Fraud had been declined due to " past time frame to dispute ''. It was less than 4 months before we found the forged check. I do feel this is adequate time in which to gather information and proof of this crime. The is a business account and is very active. The 5th/3rd Account is a secondary account and was not immediately looked into for forgeries. We feel that only giving 30 days to file the Forgery/Fraud Claim is not sufficient time for a crime taking place at a business, After all, it takes 5th/3rd Bank 45 days to come to a decision on this claim.
Company Response:
State: KY
Zip: 41011
Submitted Via: Web
Date Sent: 2016-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-18
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: FIFTH THIRD BANK ( 53 ) Unfair banking practices- Overdraft fees XX/XX/2016 : I was forced to write a check at the grocery store because I had left my debit card/cash at home. Later that evening, I took cash money to the local ATM to make a deposit just to be safe ( prevent any NSF fees ) I had direct deposit scheduled for XX/XX/2016 ( they were closed on Monday XX/XX/XXXX for XXXX ) but, was unable to deposit the money due to " out of service '' notice on ATM screen. The Direct Deposit deposited on XX/XX/XXXX and all the checks that had been written over the past week and weekend were also debited that day however, all debits were removed BEFORE the deposit was credited to the account and I was charged {$74.00} in NSF fees. There has also been an instance of fraudulent charges being placed on the account, my balance depleted below the amount to cover pending checks. I was issued credits for the fraudulent charges however, the bank refused to remove the NSF fees that incurred due to those charges. The bank also did not cancel the card as requested during those disputes and the charges reappeared on my account 2-3 weeks later along with more NSF fees caused by those charges. Again, the fraudulent charges were removed but, they refused to remove the NSF fees- they did however, state they cancelled the card. They also informed me I would not have access to online banking or mobile banking for 7-10 days while the account was " undergoing updates '' so I am unable to verify anything on the account. Thirdly, the bank ALWAYS orders transactions so deposits are credited last and online payments are debited before the deposit is credited. AGAIN, fees have been incurred because of the way the bank CHOOSES to order these transactions- I have lost several hundred dollars due to these issues and the bank refuses to assist me with rectifying these issues.
Company Response:
State: MI
Zip: 48162
Submitted Via: Web
Date Sent: 2016-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our home owner insurance policy was cancelled due to no payment from our mortgage escrow account. We 've tried repeatedly to get answers from our lender with no success. We decided to pay our insurance premium directly to maintain coverage. Frustrating because this is money we already paid the mortgage company.
Company Response:
State: MI
Zip: 49428
Submitted Via: Web
Date Sent: 2016-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-16
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have a car loan through Fifth Third Bank and can honestly say I regret going with them for my loan. I have NEVER had this much trouble with a bank than what I have with them. I recently got married and had a last name change, therefore I also switched insurance companies. They sent me a letter stating they needed an updated insurance policy, my initial thought was no big deal I will fax them a copy. I called them to make sure I had the correct fax number and to let them know that it would reflect my new last name not the one they had in the system, but everything else was the same and my car was insured. They then looked up my policy number to try and link my insurance instead of me faxing it. Again, I thought that would be easier so I went with it. However, they then tell me my insurance policy is not active and that I have no insurance. ( Which I know is not true since I have everything in front of me proving that I do, and make the monthly payments. ) They said I should call my insurance company. I called and I do in fact have insurance. Then I call Fifth Third back and ask does it matter what my last name is as long as it shows that the VIN on my car and the VIN they have has insurance. I was told yes and that I need to come in with my ID, insurance card, and a letter from my insurance company. Keeping in mind they know I am not local and in fact live about an hour away. They would not fax or do anything over the phone with me. I also work at a job with set hours so I get off at the same time that they are closing. Making it a real inconvenience considering I already live far away from the nearest branch. Now I have to leave MY JOB early to give them information that could have easily been faxed in the first place, oh and not to mention this all has to be done by the XXXX of THIS MONTH. I will NEVER recommend this bank to anyone nor will I EVER open another account with them. Their lack of consideration and care for the customers really showed today and I have NEVER been so displeased with a bank before.
Company Response:
State: KY
Zip: 420XX
Submitted Via: Web
Date Sent: 2016-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received my escrow analysis along with a notice that there is an escrow shortage of XXXX and I can either pay it now or it will be added to my monthly mortgage payment next year ( XXXX/month ) if I take no action. I looked at it and immediately saw the problem. My homeowners insurance was paid in XXXX XXXX in the amount of XXXX. They then show an estimated payment for the same insurance of XXXX scheduled for XXXX. Both insurance charges appear in the actual column ( even though the XXXX states it is an estimate ). My actual column on the analysis ends in XXXX of XXXX with negative XXXX. They project it out further to XXXX of XXXX to determine the shortage of XXXX. The issue is that they are counting my insurance coming out twice ... once in XXXX ( which was already paid ) and once in XXXX ( a higher amount of XXXX - the total from last year ). They show my current escrow account balance as XXXX, when in reality I have XXXX in my escrow account as of XXXX XXXX, XXXX. I contacted them several times and spoke with several different customer service reps, all of whom were very rude and condescending. They requested a new analysis for me. In meantime, I received a letter ( after they paid the insurance in XXXX, that they do not have proof that my insurance was renewed nad gave me a number to fax the declaration page. I faxed it on XXXX XXXX ( I saved the proof that the fax was successful ). I spoke to another agent on XXXX XXXX, who told me they do n't have my insurance info. I faxed it again on XXXX XXXX ( saved the proof again ). I faxed it on XXXX XXXX and XXXX XXXX. I received another call on XXXX XXXX telling me that the analysis is correct. I asked her how that could be when my insurance was paid in XXXX. She first said that they have another insurance payment scheduled to come out in XXXX ( the analysis said XXXX, but of course XXXX came and went and no additional payments were made ). Then she stated they did n't know what the XXXX was for even though they paid it. I explained that I 've faxed the info several times, and I wanted to know where else I could send it right then. She said they do not need any additional information. I could n't believe what I was hearing. I do not have a shortage. They paid my insurance and I sent them proof several times that it was the insurance that was paid and it was for the correct period. They state that the escrow department does not have a direct number and will not allow me to speak with anyone else. I asked for a manager only to be told that " they will tell you the same thing. There is no one else to speak with. '' I asked her for her last name and she refused to provide it. There is XXXX accountability within that company. I created my own analysis projecting the correct numbers beginning with my actual escrow balance of XXXX as of XXXX XXXX, and by XXXX XXXX, XXXX ( after all XXXX insurance and taxes are paid ) they will have XXXX of my money, well over the allowable two month cushion of XXXX. Instead of a deficit, they actually currently owe me money as they based my XXXX payment on the XXXX insurance payment when it was only XXXX. I feel like they are trying to get an interest free loan of my money, and I am not okay with this. There is no shortage - there never was a shortage, and there will never be a shortage and they can see that, but no one will listen to me. Now they are trying to force me to pay an additional XXXX/month for absolutely no reason. I have proof. I have retained all of my paperwork and would be happy to provide it. Time is of the essence as my next payment is due XXXX XXXX.
Company Response:
State: MI
Zip: 49505
Submitted Via: Web
Date Sent: 2016-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-16
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I made a {$700.00} deposit to 5/3 Bank in XXXX NC on XX/XX/2016 at XXXX using the night deposit. When I checked my account at XXXX that evening they had not credited my deposit. Yet, they had charged me an overdraft fee at XXXX. My car payment will be drafted out tonight so it will bounce and I will be charged yet another fee. When I called customer service, the lady suggested I go to the branch. I am sorry, but I am not taking off work when they should be checking the night deposit daily. They need to refund these charges and write a bank error letter to my car payment company.
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2016-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No