Date Received: 2016-04-01
Issue: Credit card protection / Debt protection
Subissue:
Consumer Complaint: I was a customer of Fifth Third Bank Credit Card customer when I was offered Debt Protection in XX/XX/XXXX/XX/XX/XXXX when I was called by a Telemarketer to purchase their Debt Protection Program. Fifth Third Bank and It 's Successors and Assigns have violated Consent Order of the United States Consumer Financial Protection Bureau Consent Order-File XXXX. Fifth Third Bank and Assignees, XXXX , XXXX and XXXX XXXX XXXX, XXXX, have violated the CFPA Consent Order by not providing Redress for providing Debt Protection Product that I have purchase after the trial period by telemarketing that I have signed up for while my account was open with Fifth Third Bank. Fifth Third Bank did in fact represent misrepresent the cost of Debt Protection to me as described in CFPB Consent Order in File No. XXXX Points # XXXX, XXXX, XXXX, XXXX, XXXX & XXXX. Fifth Third Bank and Assignees, XXXX , XXXX and XXXX XXXX XXXX, XXXX, have not provided Redress to me that the CFPB Consent Order requires because my Credit Card was Charged off and sold to Assigns or Third Party that is XXXX , XXXX.
Company Response:
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2016-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-23
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: This company called me threating to take me to court if I did not pay this bill. I found out they are unlicensed to collect in this state and it is an illegal collection. This is a bill for my ex husband not me. I felt threatened and bullied into paying this bill that is not mine to begin with.
Company Response:
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2016-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XX/XX/XXXX, Fifth Third Bank purchased my mortgage from XXXX XXXX. XX/XX/XXXX, Fifth Third Bank sent a letter informing me of a shortage in my escrow that I needed to pay immediately or increase my monthly mortgage payment. After many calls dealing with unnamed Fifth Third customer service mortgage reps, I came to learn that Fifth Third Bank had decided to pay, or claimed to have paid, PMI payments for periods prior to their purchase of my mortgage. I informed them that the payments had been made by XXXX XXXX in a timely fashion and that any mistaken payment made were not my responsibility. My contacts at Fifth Third Bank were supervisor XXXX at XXXX and his manager, XXXX. Both failed to resolve their error and demonstrated poor listening/customer service skill. XXXX of XXXX XXXX at XXXX XXXX has been excellent in her service in her diligence and followup in an attempt to show the payments I had made were apportioned correctly and distributed to the appropriate departments completing all requirements by providing documents to me and directly to Fifth Third Bank.
Company Response:
State: FL
Zip: 34653
Submitted Via: Web
Date Sent: 2016-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-19
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: On XXXX/XXXX/2015, I closed my bank account in person at the XXXX, IL location for Fifth Third Bank. 5/3 re-opened this account and proceeded to charge me upwards of {$900.00} in NSF fees, although I had closed the account in person. Any transactions that had come through were unauthorized and/or fraud. 5/3 failed to notify me by letter, phone call, or provided me with any statements indicating the account was overdrawn. In fact, they had blocked my online banking user id, so I was never even able to look at the account again after it was closed.
Company Response:
State: IL
Zip: 60560
Submitted Via: Web
Date Sent: 2016-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-19
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: In XXXX 2015, I received a Promotion paper from FIFTH THIRD BANK : basically the promotion was to receive {$200.00} if I open a checking account and set up a direct deposit for more than {$100.00}. I visited one of their offices in XXXX XXXX, FL and I did exactly what they told me to do in order to receive the {$200.00} bonus. I 've been waiting for 90 days ( time they told I have to wait ). I just received yesterday an email from XXXX XXXX ( the office manager ) saying : " After completing my research it shows that the type of account that you opened does not qualify for the bonus ... '' I feel disappointed because I trust them but my feeling are that this is just another false advertising to get people work with the bank without paying any bonuses.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2016-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-18
Issue: Balance transfer
Subissue:
Consumer Complaint: I received a credit card offer in the mail and I went online to apply. The application also had a space to enter balance transfers. I put in XXXX cards info. After completing all I got was I will be a response in the mail. When I received my card there was NOTHING saying anything about the transfers I entered.Searching the letter with my credit card attached, I ca n't find what credit limit they gave me. When I see that it 's XXXX which would not cover both transfers after realizing the transfer fees would put me over my limit. They had enough information to know what limit I needed. I had no clue that the info on my card was being processed as I thought it was part of the application to determine eligibility and limit. I called after receiving the card and asked that only XXXX of the cards be transferred. I gave all the info to process my highest interest card.A couple of days later I emailed asking why the transfer was not showing up. It took 3 days to finally get a human on the phone. I was asking about the transfer I called in. I was told it was request the transfer was being sent to my house.?? I asked her what a balance transfer was and she told me then I asked then why and what part of the transfer was being sent to my home. She was not making any sense. After that I talked with a VERY rude guy named XXXX. He said the transfer I called in was no good and would not be processed. He kept going through their legal jumble about it takes 2-4 weeks to process.I have done transfers before and they only take a1-2 days.I gave him the info and sure enough it was done in less that 48 hours my cc was paid. BUT XXXX giving me wrong info told me to keep making payments, so I made the payment the same daY to make sure it was paid. This caused 2 payments to go thru and I now overpaid the bank. In the mean time the 2nd transfer I put on the app gets processed with out my knowledge and forces me to be over my credit limit. They intentionally give false and misleading info and failed to give me enough credit to cover the transfers I put on the app. I do not find this out untill after it 's done and too late.I tried to get them to cancel the 2nd transfer but they refused. In my opinion they have committed fraud. The charges have put me over my credit limit and subject to penalties which include loosing the zero % offer that I signed up for.
Company Response:
State: GA
Zip: 30141
Submitted Via: Web
Date Sent: 2016-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was sold from XXXX XXXX to Fifth Third Bank. I received a notice from XXXX XXXX but have not receive any communication from Fifth Third Bank. Even though I received no new notifications, I contacted the bank because my home insurance and tax payments were in Escrow. After contacting the bank 5+ times I still have received no notifications or bill for payments. They also have not paid my home insurance and presumably my taxes from my Escrow account. They instead told me that the Escrow was still with XXXX XXXX, which of course was untrue. I 've taken three trips into the new bank to get the information set up, each time being assured that it was fixed. However according to my insurance agency they still have n't received the information from the new mortgage owners.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2016-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-13
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I had an account with Fifth Third Bank. I had an alert sent to me on when a payment was due. I closed the account yet they continue to send me the alerts on the payment due. I have talked to multiple people at Fifth Third, spending hours on the phone, and asked them to stop these emails, and they have not stopped. The emails do NOT contain an unsubscribe option ( is n't that a violation of the CAN SPAMM act?? )
Company Response:
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2016-03-13
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2016-03-10
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: On XXXX XXXX, 2015, I went to the Fifth Third Bank in XXXX, IL and closed out my account in person. I was assured that the account was closed. XXXX XXXX re-opened this account after unauthorized and/or fraudulent charges attempted to come through. They did not pay anything, but proceeded to charge upwards of XXXX NSF charges. They never contacted me by phone or mail to let me know the account was re-opened. They simply sent me to a collection agency. In addition, no statements were provided or overdraft letters. Finally, my contractual obligation with the bank ceased when I ended my relationship with them. Finally, how can a bank charge over XXXX NSF fees when they were not out any money??
Company Response:
State: IL
Zip: 60560
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-09
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: There is a class action lawsuit involving 5th/3rd Bank. It was found that 5th/3rd bank was charging certain customers higher interest rates on auto loans. I qualify to be a part of the class and I am eligible to benefit from the settlement. As advised by a CFPB representative I contacted 5th/3rd bank to get more information however after several calls and tremendous hold time each representative I spoke with did not have and/or refused to give me any information on how to participate in the class.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2016-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No