Date Received: 2023-08-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For the last 3 months, I have been getting double withdrawals on my mortgage. It was reversed the first two times in 3 days after my calling and straightening out the auto-pay process with the bank. I called within three days this time as I did not get the reversal, and I don't understand why it is still happening. The bank is saying they can not start the process until 4 days after it is posted which would be XXXX. This is the 3rd time this bank has double-debited my account, and this feels like fraud to me. My bank account empties for days after the double debt, then it takes time to refund me. It is important to note that this bank does its paperwork by USPS Mail and not electronically. I did not receive their welcome letter when I started my mortgage a year ago and called at that time to work with their advisors - she did not mention auto pay or the welcome letter. In XXXX I opened a case, and they claimed in XXXX. I don't think anyone would be happy about having an additional {$3200.00} taken out on the 1st of every month unexpectedly. The bank is taking my money for 1 week every month- so they earn the interest, and I do not have the money in my account to pay my bills.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I noticed several charges that were showing in my banking app with fifth third bank. I immediately disabled my debit card and called them. The bank was closed so I had to wait until the next day to report these charges that I did not make or in any way authorize to be made. I spoke to a bank representative who was nice and polite, and I explained that I did not make these charges. He told me not to worry and I would receive a temporary credit in the next few days while an investigation took place. The following day I went into my app to check my balance as I still had over a XXXXXXXX XXXX in my account and needed to pick up a few things for my children. I was not able to access my account, so I called the bank and was connected to the fraud department. The representative was very hostile and informed me my account was closed and I was deemed a fraud risk and I could not access my money and I would receive a check in the mail within 30 days. She also told me my claim was denied and I would not be getting my funds back. The bank made this decision within 24 hours without any investigation. The following day I went to the bank to speak to someone who could help I spoke to a manger who was doing everything he could to help me. He attempted to open a new account and move my funds but was not able too, so he called the fraud department and was told I was blocked from ever having an account with them ever again. After he hung up with the fraud department, he explained that this is common with claims that involve XXXX app. He said that all claims were denied involving XXXX app and I would have to fight for my funds to be returned. That same day I filed a police report and contacted a lawyer for fair shake to get advice. The electronic fund transfer act requires a financial institution to give the victim a temporary credit no longer then 10 business days from the date the theft was reported. I did not receive this credit in the time frame stated by federal law. My credit card payments i had made were returned, leaving me with fees and potentially damaging my credit, which I feel was on purpose and vindictive. Due to the bank and its fraudulent practices me and my children will face a struggle and potential eviction as my rent money is gone and were left with nothing.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Dividend Finance has submitted to the CFPB, multiple times, a document they have been informed is fraudulent. To defend the fraudulent document they use the fraudulent document. I was not the person who filled out the DocuSign document that Dividend Finance is using to enforce the loan. I do not have the item the loan is for. It never passed inspection because the contractor the Dividend Finance paid ( against my will ) abandoned the project and allowed the permit to expire after becoming unreachable to myself. They damaged my home and did not provide the service Dividend Finance paid them for, which again was paid against my will and consent. They never confirmed with me that installation occurred. They broke the law in my state initially just dispersing the loan without my consent. I then explained in writing through their website and through emails that I never accepted the loan or the terms and conditions of the loan. Instead of actually investigating this, they used falsified documents to pursue the loan further. Submitting a fraudulent document in response to me informing your company multiple times that it is fraudulent is not a valid response. In fact, it is illegal for people to submit falsified documents. Even though you work for the institution you can and should be held criminally liable. There is a thing, called a digital footprint and it allows things to be seen, like who's computer and device accesses things. Not only could you have properly researched the info I told you ( multiple times ) to see that this fraudulent document was not filled out on my device but inevitably when the FTC, SEC and other regulatory agencies review Dividend Finance they will see each one of you individually who decided, made the choice, to participate in this fraud. Lack of training is no defense. You are criminals and will be held liable. Use the internet and search about all of the individuals who participated in banking scams and were held liable if you don't believe me.
Company Response:
State: FL
Zip: 32606
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have made a payment before the 30 day late payment deadline every month since XXXX All of the sudden they are reporting my account 30 days late. The website mysteriously is saying I missed a payment in XXXX which is not the case!
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Without explanation or warning I received a letter from 53 Securities and Insurance ( XXXX XXXX ) stating they were closing all my accounts. No reason was provided. That's issue # 1. The most important issue however for this complaint is that they are going to liquidate all my funds in annuities, IRAs etc and send me a check. They have ignored and not addressed penalties or tax repercussions that may result from their actions. That's issue # 2. They did not ask me how I want my accounts distributed ; They did not take into consideration that I am already taking payouts from an annuity - and what this liquidation will do to those annuities ; They did not attempt to get my permission or ask for any other recommendations They refuse to provide a name and number so I can ask someone these questions, directly AND possibly request an extension. They simply made a decision, refused to discuss it, showing no concern for the severe harm this is, and can cause me financially. Although their actions are shocking and inconvenient, I am in the process of researching where I can move my funds. This is not an easy task and I don't expect it to be completed quickly. My main concern is still what other impacts are in store for me because of their actions. Additionally I have no way of knowing that I can complete all the transfers I need to do by the XX/XX/XXXX date they've given me. I attempted to reach out to the author of the letter that was sent to me, but 53 will not provide phones # s or emails. When I finally heard back from the author of the letter ( through a cc of an email to another 53 employee ) XXXX XXXX response regarding an extension was " at this time we have no appetite to extend the 30 days ''. This is not a professional response, it is simply vengeful. Evidence that 53 treats customers with contempt. Although I do not know how/why they made this decision, I suspect it has something to do with my many calls and emails, due to them not responding to my initial request of XX/XX/XXXX to assign a different Advisor/Consultant to my accounts. I made the request on XX/XX/XXXX and never received any response until a " tess '' called me on XX/XX/XXXX to tell me my 'issue ' was assigned to " XXXX '' and she will contact me within 15-25 days. This would bring the grand total of WAITING for a new advisor/consultant to nearly TWO MONTHS. I was given no information regarding the closing of my accounts- I can't explain why 53 avoided my calls and emails over the course of a month. I am confident 53 will have a shrink wrapped response that they will send you- it won't address the obstacles or problems I've encountered over the past month. Not to mention the malicious, spiteful, vindictive way I've been treated. I hope this gets the attention of the OCC. 53 BankXXXX XXXX XXXX it's customers ; ignores customers that demand answers ; has executives that hide in their offices and refuse to address issues. For the record I have sent emails to : ( all the following have known about the problems and obstacles I've encountered - perhaps some of these people do not even address operational issues, but NOT ONE OF THEM ever responded to me to address POOR customer support issues AND providing an advisor ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this was the original person that promised he would find me a new advisor/consultant- I spoke with XXXX in XXXX - he supposedly manages the advisors- so this is where the problems started ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've had issues with 53 in the past. They never see the flaws in their processes, communications or behaviors. They never even come close to an apology, and never implement improvements. They certainly have their share of complaints at OCC ; Federal Reserve and CFPB. I noticed an excessive amount of complaints about 53 are related to customer service/treatment of customers. Don't get me wrong, people have complained about products, services, business practices and ethics- but today customer service has my attention. I am baffled by the behavior of a bank that does NOT provide the service that they promise to provide. I am hoping that your involvement in this nightmare will encourage 53 to consider the impact their decision has on me - AND other customers. As stated above, their actions can cause FInancial HARM TO ME.
Company Response:
State: IN
Zip: 46845
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: To whom it may concern, I'd like to make a complaint against Fifth Third Bank. Specifically about their " Fifth Third XXXX Checking Account. '' I recently learned that they've been charging me a " Dormant Account Fee '' since XX/XX/XXXX of XXXX to present the month ( XX/XX/XXXX ). This dormant fee was never mentioned by the fifth third bank associate that offered it to me. The info was not in any of the account information pamphlets or paperwork that they provided which could be easily seen, identified or found. This momentum checking account was advertised at the time of signing and is still being advertised today ( verified on their website today XX/XX/XXXX ) as " free, no minimum balance checking account, no minimum deposit, no monthly maintenance fees, no hidden fees ''. While speaking to a Fifth Third Bank customer service representative today ( XX/XX/XXXX ) by the name of XXXX XXXX customer service phone number XXXX ) he mentioned that the fee would not occur if I had a balance in the low {$2000.00} 's ). I was then told by his supervisor ( title : customer service call center supervisor ) XXXX that the information he provided was incorrect. However, the dormant fee is charged when there's no account activity for more than 12 months. She then mentioned that the " dormant fee '' information can be found in the rules and regulation tab somewhere on their website under some inconspicuous rule section that has a number and letter. This fee is deceptive, manipulative and wrong. Any fees should be explicitly made and displayed by the banking institution and their representatives. The supervisor claims that the bank sent me emails warning me that my account was on the verge of going into a " dormant '' state but I could not find any emails from the bank mentioning this or any " dormant fee ''. They've charged my account {$35.00} and refuse to waive the total fees. They've chosen to only waive {$15.00} and that's unacceptable. I'm sure I'm not the only customer they've done this to. I've included screenshots of Fifth third Bank 's website info for their momentum checking account as proof of their deceptive tactics. Please help me get this matter resolved. Thank you
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: FIFTH THIRD BANK ILLEGALLY FORCE-PLACED HOME OWNERS INSURANCE 2 MONTHS BEFORE THE RENEWAL DATE OF MY OLD SLIDE POLICY, DISREGARDING THE FACTS THAT I TOLD THEM I HAD A XXXX XXXX XXXX XXXX CITIZENS XXXX AND IT WAS BETTER AND LESS MONEY AND THAT I WOULD SUBMIT TO FIFTH THIRD WELL BEFORE THE EXPIRATION OF MY OLD SLIDE POLICY. WHICH I DID PERFECTLY ON XX/XX/2023. AGAIN, MY SLIDE POLICY WAS UP ON XX/XX/2023. I HAVE HAD THIS XXXX. WITH FIFTH THIRD BANK FOR 30 YEARS AND HAVE ALWAYS PAID THEM ON TIME IN SPITE OF TAX AND INS. INCREASES. I SUBMITTED BOTH XXXX AND XX/XX/2023 PAYMENTS WITH THE CORRECT AMOUNT THAT I HAD PAID EACH MONTH ALL YEAR. THEY SENT BOTH PAYMENTS BACK SHORTFALL. FIFTH THIRD TOLD ME I DID NOT HAVE TO XX/XX/XXXX AND THAT I NEEDED TO PAY THE RENEWAL OF SLIDE THEY FORCE-PLACED INS. THAT INCREASED MY XXXX AND XXXX PAYMENT {$1000.00}. MORE A MONTH. THIS IS WRONG, I KEPT THEM UPDATED AS I WAS GOING THRU THE DOCUMENTATION OF THE THE NEW HOME OWNER, CITIZENS AND PROFORMED PERFECTLY AND ON TIME WITH THE NEW POLICY. NEVER DID I AUTHORIZE FIFTH THIRD TO DO WHAT THEY DID AND IN FACT NOTIFIED IN ADDITION TO FIFTH THIRD BANK, SLIDE AND THE INS. AGENCY CONNECT TO ME AND SLIDE MULTIPLE TIMES!..
Company Response:
State: FL
Zip: 33928
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Getting the loan
Subissue:
Consumer Complaint: Dividend Finance is attempting to collect on a loan I never signed for nor agreed to. They disregard any and all information from me. Not only did I never sign for nor agree to the loan, but I never received the item/service the loan is for. You can read more about this in my previous complaints to Dividend Finance.
Company Response:
State: FL
Zip: 32606
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I submitted a hardship application in XXXX. No one reached out and I called back in early XXXX and found out that the app wasnt completed to their standards. I resubmitted the app but received another letter on XX/XX/XXXX requesting that I send in an application, as if they never received the one that was sent on XX/XX/XXXX. This company is giving me the runaround and I intend to sue at this point.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Showing loan under my name for fifth third bank which i never had vehicle with as we look up the vehicle the company don't ever own the vehicle
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A