Date Received: 2016-10-21
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: On XX/XX/XXXX16 at XXXX XXXX I withdrew {$300.00} from my checking account which incurred a XXXX overdraft fee as per the overdraft agreement. Since I signed the agreement willingly, I am fully aware that I would be charged a fee and had no issue with the fee for {$300.00} transaction, however I do take issue with being charged an additional {$37.00} overdraft fee for a transaction that occurred at least 6 hours prior to the withdrawal as shown by the banks own documentation and could have been paid, saving me from paying an additional fee. I feel that this is a perfect example of " stacking '', where the bank does not post transactions as they occur or as in " real-time '' as I consider it. The bank documentation clearly shows that the recurring expected transaction occurred on XXXX at XXXX, which would have meant that prior to XXXX on this same day, I had XXXX in the checking account and therefore, enough to cover the recurring expected transaction which would not have incurred an overdraft fee had the recurring item been posted as it actually occurred. I firmly believe the bank should reverse XXXX of the overdraft fees. I am perfectly willing to pay a fee for the withdrawal transaction as per the agreement I signed, but I should not have to pay a fee for something that I actually had the money in the account to cover.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2016-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-18
Issue: Balance transfer
Subissue:
Consumer Complaint: In XXXX 2016, I used a promotional check from Fifth Third CC ( Bank ) to pay for a large purchase with a 12 month 0 % Interest fee in the amount of {$2000.00} with a balance transfer fee of XXXX. We are careful about being sure to pay the amount off before the ending date. The balance of the card was paid off before we used the check. So there was a XXXX balance on the card when we used the check. Each month when the bill comes there is no date for the promotional ending period. Today XXXX My husband and I spent almost 2 hours trying to find out the end of the promotion. Fifth Third then told us the promotion ends on XXXX XXXX. All statements are due on the XXXX of the month. We were shorted an extra month. If I had n't spent the time on the phone trying to get the ending promotion date we surely would have been charged a huge interest rate. Their customer service is told us there was no way for them to figure the end of the promotional rate until we went through all our statements. I believe this is a ploy to be sure many consumers will go over their date thereby adding millions of dollars to what amounts to a semi-scam. If there is n't a law to put the ending promotional date on credit card statements - there should be. I had another promotion on a different card that also shorted the promotion date. But because it gave the ending date for the promotion I was able to get it changed to the correct date. When speaking to Fifth Third today, I asked for proof of the check and promotion dates. I was told by XXXX ID XXXX that he would provide this. However their customer services ( I spoke with 4 different people ) and three of the four had no idea what a deferred promotional interest rate was.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2016-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XX/XX/XXXX I had my property appraised. My certified appraisal revealed that due to the improvements I had made to my property that the value has increase substantially. I contacted my lender on XX/XX/XXXX to inquire about how to request the removal of my Private Mortgage Insurance premiums. I informed the lender about the recent appraisal. I was told to fax or mail a written request along with a copy of the appraisal to their escrow department. I complied and sent a formal written request for the cancellation of my PMI via fax on XX/XX/XXXX. I was told I would have a reply in 5 business days. After this time, on XX/XX/XXXX I called back to verify that my information was being processed. I was told that my information was never processed because I did n't have my mortgage number on the fax cover sheet. So on XX/XX/XXXX I resubmitted my written request via fax ( confirming the fax number ) and adding my mortgage number to the cover sheet and ensured that there was nothing else that I needed to add for the request. I also mailed a separate copy of my written request and copy of the appraisal to the address provided. On XX/XX/XXXX I called again to find out the status of my request. Once again I was told that my request had not been received or processed. The customer service representative then told me that it did n't matter anyway because I would not be allowed to cancel my PMI until XX/XX/XXXX regardless of my LTV or a subsequent appraisal if the appraisal was n't provided through my lender, despite the fact that I had a certified appraisal report. I was told XXXX separate things from XXXX different employees. My request was never acknowledged as received or reviewed. No notification was provided to me to indicate that more information needed to be obtained or that a lender requested appraisal was required.
Company Response:
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2016-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-17
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Opened a checking and savings account with 53rd bank, branch location Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. During XX/XX/XXXX bank received a Fraudulent garnishment claim from a XXXX XXXX, 53rd bank then placed a hold on both my accounts for a total of XXXX. The funds in my account at the time was exempt from all garnishments, pension payments are exempt. 53rd then informed me that they can not close out my accounts until the garnishment is paid in full {$14000.00}. Despite knowing the accounts were exempt from this garnishment 53rd removed {$10000.00}, then XX/XX/XXXX, 53rd removed more of my except pension payments a total of {$15000.00} was removed from both my checking and saving accounts paying off and exceeding the amount of this garnishment. During XX/XX/XXXX I noticed that my credit report has the total amount owning I then contacted the bank and was informed that they do not know what happened to the monies removed from my account. After contacting the 53rd corporate offices, I was informed that a check for XXXX was removed from my accounts but they are unaware of what happened to {$5000.00} or where it was sent. Corporate office was also unsure of why the funds was removed at all when monies were exempt from garnishments.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-17
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I was traveling for work last week and had unknowing overdrafted my account with Fifth Third Bank. I was n't informed about this and instead was charged {$37.00} per charge on my card, most of which were necessary work expenses, as I do not carry a credit card. At the end of the week they had charged me around {$700.00} in overdraft fees and completely took my most recent pay check, preventing me from paying medical bills, student loans and a credit card bill. I asked if they would be willing to negotiate and informed them of the devestating effects this will have but they declined. I feel wronged as I was not informed that 1 ) I had overdrafted, 2 ) They were charging me a fee per charge and 3 ) That my overdraft protection was, for reasons they were not able to explain, not working.
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2016-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-14
Issue: Balance transfer
Subissue:
Consumer Complaint: I applied for a credit card with Fifth Third Bank which included a balance transfer of {$8500.00}. I was approved with a {$700.00} credit limit. I was not ok with the credit limit I was approved for as it was too small and completely out of line with my credit score of XXXX. I called and cancelled the card on XXXX/XXXX/16. On XXXX/XXXX/16 they pushed the credit limit up and processed a partial balance transfer of {$7600.00}. They did this after I had already cancelled the transfer.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2016-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-14
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I had charges on my account that were from fraudulent companies and I was trying to stop them from occurring. I called Fifth Third bank to freeze my account, and they would n't so I had to pay for XXXX stopped payments. The payments did not get prevented and it was a waste of {$130.00}. I wanted to close my account, but they told me it would take 48 hours and within that time, if a transaction came through, they would open it again to let it go through. I then had to open XXXX investigation cases on the payments that I tried to get them to stop- because of this I had to open up a new account to move my money. They linked my current bank card to the new account and were mailing new checks that took over two weeks, and because I had no access to the full account number online and no checks, I could n't switch all of my payments over to the new account. I had to continue to use the old account in order to get my personal business done. One night after work, I made an ATM deposit using the only card I had, which was tied to the new account and because the deposit did n't go into the old account per say- and I could n't transfer funds until the next day, they charged me almost {$300.00} in overdraft fees on my old account. I tried to go in a bank branch and reason with them, the manager of the branch told me he had no power to reverse anything. They also had in the past, charged me fees for their own fees!! Such as the stopped payment fees- they charged me overdraft fees on my old account for the stopped payment fees they charged me. Everything is charged to me by this bank over and over again- they find any reason to take money from the customer- they are serious crooks. I ended up closing my accounts with them and I still have one account that was the original account I tried to close and now it 's negative {$1500.00} from all the overdraft fees they charged me, since I was not paying them for almost {$300.00} in overdrafts a couple of weeks ago- they would n't reason with me at all. I hate this bank and I do n't want to pay them a dime more. Please help.
Company Response:
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2016-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We were notified by letter XXXX XXXX, XXXX that we were owed {$940.00}, a XXXX Escrow Ck - and that a check had been issued to us but not cashed. It stated we needed to respond no later than XXXX XXXX. My husband called XXXX, they said we would have in 20 days. Never received, called again XXXX/XXXX/XXXX. Never received. We received a certified letter dated XXXX/XXXX/XXXX. I called XXXX, was told we would have check in 7-10 business days. Never received, called again XXXX, was told the check should have been returned and that he sees no notation on acct. since XXXX. I am told to call back after XXXX so they can investigate and then get the check expedited. On XXXX I called and was told they would look into it. ( by supervisor XXXX XXXX. ) Never heard back..
Company Response:
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2016-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-14
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: in XXXX XXXX I contacted 5th third to request information on my vehicle title which I never received. They informed me it was shipped in XXXX and returned, they advised they would resend it and I would receive it 3-10 business days. On XXXX/XXXX/XXXX I called again due to the fact no title has been received and they could not give me information. An hour later and transferred numerous times until we were told they do not have notes or show where we did the request as that is not something they take when a customer calls ... .are you kidding me? This is a banking institution, they should notate everything. We asked to be sent to a supervisor. After another 20 minute hold we were transferred to a supervisor by the name of XXXX. XXXX, is now stating they do not have any record of calls as they do not take notes in the Customer service department. they state they can not expedite the request unless it is the banks error ... THIS IS THE BANKS Error. I am now on hold again and it has been longer than an hour and I am furious. Per XXXX the supervisor they can not transfer us to the collateral department as they only get emails. I am in shock that this is how you all treat your customers and that a banking institution does not take notes. XXXX is suppose to call us in 24-48 hours with an update as to where our title is. Employee ID # XXXX, Phone # XXXX. I need my title, the car has been totaled almost killing my son and I am unable to get resolution on accident and recovery due to 5th thirds lack of customer service. Can you please contact us immediately on this, we need resolution. XXXX and XXXX XXXX
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2016-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-12
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: I have an auto loan with XXXX XXXX Bank, not by my choice, this was the bank the dealership dealt with when I purchased my car. I have been paying on this loan, on time with exact payment needed each month, for over a year. Since the recent issue with XXXX XXXX, I decided I would like to refinance my loan through another bank. I found, what I thought was a " reputable bank '' to assist in this matter. I decided to attempt to refinance my loan through Fifth Third Bank, as they had a special of three months deferred monthly payments, which would have helped me immensely, since I am on a limited income of social security XXXX. The banker I dealt with is at the location of XXXX XXXX, XXXX, XXXX. named XXXX. I do not have his last name, but would be able to get it if needed. When we reviewed the load refinance, the day I was there with him, he informed me I may be able to get a lower interest rate also. That was last week. Again, at the time, he ran my credit and stated that I have a credit score of XXXX, which not only allows me to be approved, but also will lower my interest rate. I received a message from XXXX last Friday, XXXX, to return a call. He did not state on the message that it was urgent, so I did not have a chance to return the call until Monday. When I returned the call, I had to leave a message for XXXX, another back employee, as I was then told that XXXX was on vacation this week. I was playing telephone tag with XXXX, who left me a message on Tuesday that my loan HAD NOT been approved. I was shocked, as I actually saw paperwork that showed I WAS APPROVED while in XXXX office. I could not reach XXXX to speak with her directly until I tried to reach her several times on Wednesday, XXXX. At the last time I tried to reach her on this date, I again spoke with another bank teller, XXXX, who told me she left to go home early today. So I told him I needed to speak with SOMEONE TODAY. He then directed me to XXXX, who informed me that my loan has been denied, for various reason, NEVER EXPLAINED TO ME PREVIOUSLY. XXXX was quite rude, stating she was, " only trying to help me. '' I told her maybe I was being rude but I did not appreciate being told one thing and then something else entirely different the next time. She apologized, and said " the loan is not done until all the paperwork is signed. '' I told her I DID SIGN PAPERWORK WHICH WAS SUPPOSED TO BE THE FINALIZATION OF THE LOAN. I guess no bank is worth trusting any longer. I had a home loan with XXXX, who was supposed to help those of us who had financial problems in 2008, attempting the HARP loan 3 times without success!! That was just a big farce. Now I have an auto loan with XXXX XXXX and we all know the corruption of that bank! I have my banking with XXXX, never had a problem with them, if they do something I will be XXXX for XXXX with all the big banks, NOT TO MENTION THIS ISSUE WITH A BANK I never heard of. I hope you will do all you can to assist me in this matter. Sincerely, XXXX XXXX XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No