Date Received: 2016-09-07
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: 53 Bank charged a fraudulent charge of {$330.00} OD to an account with a positive balance and they refuse to refund their charge. The account is negative {$57.00} with that charge
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2016-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-02
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: It happened to my husband, but he does n't speak XXXX. He received a new debit card, but since he got one already he decided take it to the bank, he gave it to the guy who always helped him because of his language barrier. On XXXX XXXX he went to a XXXX XXXX store and he was paying around {$50.00}, his card was declined, checked his account and he had not a single dollar there, we went to a branch located at XXXX XXXX, the lady told us she saw a couple of transactions made at XXXX Nevada, so we did the report with the fraud department, they told us it 'll take a few weeks and they will do a federal investigation and if they think my husband was n't the one who used the money we will get the money back. We also did a police report and sended to the bank fraud department all the proofs of what we say, This is already XXXX we had sended letters explaining the case, in some moment they told us they called him and he authorized the transaction but how he could do it if he does n't speak XXXX, he says he remember that he got a call from Nevada, he answered they asked his name and of course he got that, then they say XXXX, he thought they were asking him if he ever traveled to XXXX and he said yes, we went to XXXX in 2014 for a trip and that 's why he assumed was something related with our time there, but now the bank refuse to give him a credit even when they can investigate who did it because in the statement appears place, time and date where it happened, whenever my husband goes to the bank he always had asked for an XXXX speaking person, so we do n't understand how bank call to authorize a big transaction like that in a language that the customer do n't speak. At this moment they said case is close, we do n't know what to do, that 's all what we have in savings.
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2016-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-01
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I enrolled in an HSA account with Fifth Third Bank with a previous employer and left that company with a balance on the account. The bank will not allow me to withdraw funds without paying a service fee to do so and have slowly been bleeding the account dry by applying monthly service charges on it.
Company Response:
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2016-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-31
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have been banking with Fifth Third Bank in XXXX Ohio, my branch was in XXXX, Ohio, near XXXX, Ohio. The bank was using unfair methods to tack on overdraft and additional overdraft charges of {$37.00} each. They were not taking credits and debits, online or in person at the bank, in the order in which they were presented. Many times I had online deposits coming in at XXXX or XXXX. of the banking day, but these deposits were counted last a the end of the day at XXXX. There would be debits taken out at XXXX that business day taken out before the deposits, it did n't matter what was pending or non-pending. A pending online deposit at XXXX was still posted after a pending debit from XXXX. Then at the end of each banking day, Fifth Third took out the debits first ... smallest to largest and then Fifth Third added the deposits last..smallest to largest. This would result in overdraft charges, sometimes multiple charges. I called the bank to explain to the manager and they always had an excuse and one time said I could come in and talk to them, but then the top XXXX managers were busy the next day. I felt like I was being ridiculed and often went to another branch on XXXX to avoid the XXXX branch. ***The problem was not that my funds were low, the Problem, as stated below this paragraph, was that Fifth Third Bank re-arranged their deposit and debit order to have more overdraft charges****
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2016-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-30
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened a checking account at 53rd bank and deposited a cashiers check I received for selling some car audio. The check was for {$1900.00}, since I had no idea it was bogus I withdrew {$100.00} and later deposited {$1300.00} in cash. When I asked about the fund availability, it started getting bizarre, talking about almost 2-weeks. This was a new account but I did n't expect such a crazy hold. Well the next thing I know my entire account is on hold and the bank wont even give me the cash back that I deposited! Not only am I out the audio, but I am also going to be late paying my bills, thanks to these heartless XXXX! Like being screwed over by some scam artists were n't enough, now I have no access to my own cash?! I mean seriously ... what the heck kind of people kick other human beings when they 're down!
Company Response:
State: OH
Zip: 44039
Submitted Via: Web
Date Sent: 2016-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-27
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Consumer Complaint: XXXX XXXX XXXX, threatened if full payment is not received by FIFTH THIRD BANK by XXXX/XXXX/16, further action will be taken to secure payment of the amount owed including reviewing this matter with the Prosecutor 's office for possible criminal charges.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2016-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-25
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: I tried to get a bank account with my current spouse and was denied due to a fraudulent account!!!! I have never banked with 5/3rd Bank in my life!!!!!
Company Response:
State: IL
Zip: 61554
Submitted Via: Web
Date Sent: 2016-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-25
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Fifth Third Bank wrongfully charged me {$110.00} in overdraft fees during the week of XXXX XXXX, 2016. Specifically, on XXXX, I deposited via mobile deposit XXXX checks, XXXX for {$790.00} and the other for {$500.00}. Although XXXX checks were made payable to my son XXXX, he had properly endorsed them, and had written under his endorsement " Pay to the Order of XXXX XXXX ''. I then endorsed them. The next day we were traveling to return him to college. Since the checks were properly endorsed, I was surprised the next day to see that they were removed from my checking account. We stopped at a Fifth Third Bank along the way, and physically deposited the checks ( shown as XXXX deposit of {$1300.00} ). I spoke with the teller, who told me that the checks were taken from my account because of Fifth Third 's concern of fraud. I wish to note that I have deposited checks made payable to my company to my personal account without ever an issue. The teller checked, and said that our son XXXX information was stored on the Fifth Third database. Further, I was not given any notification that these checks were removed from my account. I only knew because I had checked my account. Since the checks were properly endorsed, and Fifth Third had information about XXXX, and I have previously deposited checks made payable to XXXX XXXX XXXX XXXX without incident, I believe that Fifth Third wrongfully removed these deposits from my account. Had the deposits remained, I would not have incurred the overdraft fee of {$37.00} on XXXX. I also incurred overdraft fees of {$74.00} on XXXX because the checks were " uncollected ''. Given that the checks had been properly deposited via the mobile app on XXXX, when they were actually physically deposited on XXXX, I believe I should have been given full access to all the funds immediately. I have tried to speak to Fifth Third about this, but the managers say they are unable to reverse the fees because I have had so many fees reversed in the last year. Yet, ALL of those fees were reversed because funds had been removed from my account by XXXX XXXX XXXX XXXX XXXX after I had revoked its authorization for electronic payments. Anthem did not oppose my dispute of the funds it had taken from my account. I also wish to note another {$74.00} in overdraft fees which occurred on XXXX/XXXX/16. Those fees should also be reversed. Please note that on XXXX, I had a balance of {$1100.00} in my account. On XXXX, I made a deposit of {$350.00}. The only checks which cleared on XXXX were for a total of {$1200.00}. Fifth Third adds {$100.00} from the deposit so the amount that Fifth Third considered to be in my account was {$1200.00}. So, I was charged {$74.00} in overdraft fees because I was short {$1.00}. The funds from that deposit were fully collected. I also complained about this overdraft, but was dismissed. I believe it is unconscionable for a customer who has been with a bank as long as I have to be charged {$74.00} because I was short {$1.00} from a deposit which is fully credited the following day. I am not rich, and these overdraft charges seriously affect me. I am asking that all the complained about overdrafts in the amount of {$180.00} be reversed, and the funds re deposited into my account. I am attaching copies of the account statements.
Company Response:
State: OH
Zip: 45429
Submitted Via: Web
Date Sent: 2016-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-25
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have an account with Fifth Third Bank. I checked my account and discovered that my student loan payment had gone through despite requesting a recalculation which typically results in the payment not being processed. This resulted in an overdraft and my account being - {$600.00}. I contacted the bank that financed my student and was advised of the process for requesting a refund. I was told that this could take up to 20 days. I immediately contacted Fifth Third customer service to ask questions about the overdraft and fees. I specifically asked if the fees were incurred per item per day the account is overdrawn. I was told that the fees were not assessed per day. I was told that of the {$110.00} in overdraft fees they would refund {$74.00}. I specifically asked that as long as no additional transactions would go through would I not be assessed any additional overdraft fees. I was assured that I would not. I checked my account today and I was charged another {$180.00} in overdraft fees. This time when I called the rep, I was told there were a total of XXXX items that cleared. I tried to explain to the rep that those transaction were conducted before the overdraft and most were pending when I spoke with the rep on the day prior. This rep stated that I had been misinformation the day before. Fifth third is no stranger to the CFPB for it 's misleading practices and deceptive fees. I do n't understand how XXXX reps working for the same entity can provide such different information. I explained that the overdraft was not my fault and I was not in a position to clear the overdraft before XXXX XXXX, XXXX. I have been a customer of the bank since XXXX and have been back and forth about their fees and policies for years. The one reason that I have yet to close my account is because of the fifth identity alert feature which provides some great credit monitoring benefits. But this is costing me more than it 's worth.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am upset that my mortgage company ( fifth third bank ) did not pay my property taxes from my escrow account when they came due in XXXX. Their reason was that because I refinanced my mortgage, it froze all transactions on my account. I was charged a {$130.00} late fee from the county because the payment was not received by XXXX/XXXX/2016. It should not matter that I was refinancing because they had an obligation to pay the taxes from my escrow. There was almost {$2700.00} in there and my taxes were XXXX.. We had not closed on our refi at the time the taxes were due, so if we had decided not to refi and stay with fifth third, they would have to pay them anyway. Fifth third stated that they could disperse my taxes but it would change my payoff and my new lender would have to request another payoff which would have prolonged the process. To resolve this, my new lender included the taxes in my new mortgage and dispersed them to the county when the loan funded on XXXX/XXXX/2016. The county received my tax payment today XXXX/XXXX/2016 and they are now current. Its frustrating because even though {$1300.00} is a small amount, I am now paying interest on this amount over the next 30 years because my taxes were not paid on time.
Company Response:
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2016-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes