Date Received: 2015-09-15
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Went into branch XXXX/XXXX/15 ; made cash withdrawal of {$610.00} before XXXX ; next evening, XXXX/XXXX/15 after XXXX called auto system to check balance ; I was given an amount of over {$600.00} by the automated teller ; was assured by customer service agent that the amount of the balance quoted was correct and it was from my employment ; transactions were made ; I was charged overdraft fees all because someone in the branch did not do their job correctly and I was led to believe this money was available. If cash is withdrawn from an account, how can it still be there? I thought it was a bonus ; I do get bonuses from my employment. The amount of overdrafts reached an amount that was more than my next paycheck. The bank did take responsibility for part of the overdrafts but the fact still remains that I had to pay for someone else 's mistake. Why would it take over 24 hours for a cash transaction to post? My guess is someone was not paying attention. Just the month before I went to the same branch office and asked to withdraw the same cash amount from my saving. The same teller withdrew money from my checking account when he/she could plainly see that the amount requested was not in my checking account! I 'm standing right there. Could n't she have just checked with me to make sure it was the correct account? That time also I called to check my balance the next day and found my checking account overdrawn! This time when I spoke to a customer service agent I was able to transfer the proper amount of funds from savings to checking to cover someone else 's mistake.
Company Response:
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2015-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: To whom it may concern : The 53rd Bank is making continual harassing phone calls to me. When I answer the phone, customer service wo n't even answer the phone call. I am sick to death of these phone calls and want an end to this harassment right away. Thank you for pursuing this harassment charge against 53rd Bank. www.53.com is the website address. I really appreciate your investigating this for me. Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IN XXXXLast XXXX of SS # XXXX
Company Response:
State: IN
Zip: 46804
Submitted Via: Web
Date Sent: 2015-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-09
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I signed up for an account with 5/3 after they advertised a promotion to giveyou {$53.00} for free if you signed up when they first opened. They gave me anadditional {$53.00} for shredding my other bank 's ATM card in front of them. I wasrequired to deposit {$50.00} in the account to open it. In 2012, they closed mychecking account without my knowledge and without notification. Apparently, they have been deducting money from my savings account since 2012 forinactivity on the account. I received a notice a few weeks ago that it was the '' final notice '' even though it was the first I received, that my account wasactually in a NEGATIVE status and they were going to send me to collections. They have taken all of my {$150.00} and actually taken it to a negative balancewithout giving me any notifications along the way. I never received anythingstating that money was being deducted from my account. I called the branchmanager and was told I can only dispute transactions 60 days old or less, andthat the only thing she could do for me was refund me {$11.00} and close theaccount. I offered a resolution to the company to refund me the {$50.00} I openedthe account with and they could keep the more than XXXX of the money they havetaken from me. I was told by XXXX XXXX, office of the president, thatthey would do nothing more than the {$11.00} they refunded. She did n't care thatI told her I would pursue this, and found that it would be worth the {$39.00} Ioffered as a resolution to fight it. They maintain that because there was not a checking account, the drafts werevalid. However, THEY CLOSED THE CHECKING ACCOUNT, not me, and they did sowithout notice and without sending me any notifications ( even annual orquarterly ). As I am now having to take this beyond the better business bureau, I would likemy entire {$150.00} back that they deducted from my account. Fifth Third will respond to this with statements showing the deductions taking place. The question to ask, however, is when were these sent to me? They were not sent to me, neither annually, nor even quarterly. They maintain that it was my job to log in online and notice them taking money from my account.
Company Response:
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2015-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: Addendum to CFPB Case # XXXX : A Fraudster used an electronic fund transfer method to obtain {$3600.00} from our joint account based on FALSE representation and FALSE promise. The wire transfer fraud involved a mid-morning phone call on Wednesday XXXX/XXXX/15 by an Imposter Grandson pleading for our help since he rear ended a car, was arrested charged with a DUI and is detained at the XXXX County jail, a foreign business man whos car our Imposter Grandson hit, was a rental car and the Foreign business man paid for the damages before flying back to his country. The Imposter attorney called and stated that he was able to work it out with Judge XXXX with a Court order to release our Grandson if he repays the Foreign business man for the damages to the rental car since the business man had to pay it before he flew back to his country.. The Imposter attorney presented us with the promise that our Grandson would be released provided that a payment, which he negotiated down to {$3600.00} be paid according to a court order We can provide concise details of the communication..
Company Response:
State: OH
Zip: 43402
Submitted Via: Web
Date Sent: 2015-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: Wed XXXX/XXXX/15 my husband and I ( seniors XXXX were defrauded/scammed out of {$3600.00} + {$73.00} fee. We now understand that we are victims of what has been defined as " grandparents fraud/ scam '' /family emergency fraud '' I will attach the exact occurrence in detail to this complaint. Below, I will focus on the transaction details and the Immediate Actions we took as soon as we discovered what was done to us! Unfortunately the fraud included an Imposter Grandson, who was in the XXXX XXXX XXXX Jail, an Attorney, Judge, & XXXX business man. We were led to believe that we were following a court order in order that our Grandson be released and processed for release from jail. Only to later discover that we were tricked into this transaction through this horrible fraud/scam. Police report was filed & fraud report XXXX : I arrived at Fifth Third Bank, XXXX Ohio : Neither my husband nor I ever transferred any money through XXXX, absolutely did not know at all what exactly this involved? I asked a person entitled " Personal Banker '' to " please help me " I have to send/transfer {$3600.00} through XXXX, but I do n't know how to do it? He said that " he had n't done it either, but would be more than happy to help '' He grabbed a pen and together filled it out. I did n't have any idea what the options meant that were on the form and XXXX he did n't know and did not explain. E.g. " money in minutes '' " Test question '' " transfer to a bank account '' IF ONLY we were made aware of each step with clear and conspicuous disclosures provided, the potential tragic consequence of this kind of transaction would not have taken place. Later we discovered that this is an electronic money transfer. He handed the form to a tellerXXXX After a while XXXX called over XXXX behind the counter to look at the computer screen and they looked at each other and then stated to me that " it came up as a hold '' I asked " what does that mean? '' Both XXXX stated that " they did not know! they have never seen that before! '' I again asked '' Can you explain, can you find out? '' XXXX stated " well it may be that the hold is because of the dollar amount? ", I asked " What do you mean? '' XXXX said, you know I do n't know, I have n't seen this ''. After a while, XXXX said that I should call XXXX and talk with them. I did, finally a person came on the phone to " verify me '' .I could not understand them well because the English was not articulate and I did n't know what was going on with all this and when I again asked XXXX, he stated that he did not have any idea? '' XXXX said that the transaction was finished and XXXX handed me a receipt without any meaningful disclosure about the receipt. He did give me a receipt # but No explanation of the transfer and process before, during or after. No explanation of what a " hold '' meant and in retrospect, when I sincerely reached out, that would have been an opportunity for the Bank to provide us with a concise elucidation of this kind of transaction and its consequences. We reached out to our Bank personnel, whom I believe had a duty to be knowledgeable. IF ONLY we were provided with ETF disclosures by the Bank at any point before, during and after the transaction that would have protected our asset! Actions we took ASAP after our discovery : Called 5/3Bank ( could not get a hold of the XXXX branch XXXX XXXX so called the XXXX # to put a Stop Payment on the check, was told that had to be done at the branch and that the " fund transfer '' was " pending '' it had n't been processed and wo n't be until during the night but that I could go to the branch and they could stop this electronic fund transfer. '' But by then it was after XXXX. Was told to call XXXX, found out that the money was " picked '' up. The bank said that it was still pending and put a stop payment.
Company Response:
State: OH
Zip: 43402
Submitted Via: Web
Date Sent: 2015-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-02
Issue: Delinquent account
Subissue:
Consumer Complaint: On XXXX XXXX, I called Fifth and Third Bank to pay my credit card bill of {$1400.00} due that day.. The person on other line told me he 'd have to check with supervisor since its for the total amount due and not the smaller amounts I normally paid. I explained I was paying it all off, etc., and he was still very hesitant and sketchy about it. I finally got the payment made after taking about an hour, much longer than normal. He gave me confirmation number and we went about our days. I received statement from Fifth & Third a few days later on like XX/XX/XXXX or so, showing the payment being made, and account balance being {$0.00} due on XX/XX/XXXX Therefore I assumed there was no issue with payment, and planned to not pay any attention to account anymore since it was paid off ... This week on XX/XX/XXXX, I received XXXX letters from 5th and 3rd, XXXX I opened first showing that my credit card with them is now cancelled due to delinquent payments, the other letter being a new statement showing a new balance of {$1400.00}!!! I looked closer at statement and it has Payment Reversal happening on XX/XX/XXXX! I checked my bank account and sure enough payment is no longer there. I 've called them and asked why it was reversed, they informed me it 's because the account number was n't taken right that day!!! I never received any letter, call, or email telling me that the payment was reversed, and was under the impression that the {$1400.00} was out of my bank account and that the bill was paid off due to the statement they mailed me showing it was paid!!! ( I was n't concerned with checking my bank account at the time, as I had {$25000.00} in it to pay off bills and purchase a tractor, was no reason for me to look for that charge, it should 've gone through.. ) When that employee didnt correctly complete my payment, they still sent out a XXXX balance statement, and when the error was caught, never informed me so technically, I did n't pay XX/XX/XXXX or XX/XX/XXXX 's bill because I had no clue I even had a balance with them!! I received XX/XX/XXXX the statement showing me all this so they left me in the dark, and have now screwed up my credit report! They 've reported this as XXXX month delinquent account now, even though it was their fault for not informing me of THEIR mistake!! I understand whats happened and realize I 'll be paying the {$1400.00} now asap ( I bought my tractor just last week so all that money is gone, and I thought this was already paid off so now put me in the hole!! ). However, I need them to rectify my credit report and take off these false claims of a delinquent account the past XXXX month!! I 've received XXXX letters from XXXX other credit cards I had this week, XXXX XXXX and XXXX XXXX, both of which are fully paid off, and they just lowered my credit line by a total off {$12000.00}!!! I just lost that much credit cause of 5th and 3rds stupid mistake with my payment and failure to notify me! They falsely informed me that the account was paid and good, and failed to inform me of their mistake all while XXXX up my credit I 've worked hard to build and need in the future!! I 've gotten no where on the phone to remedy this and need help to talk to someone who will actually help!! Please help, every day they ruin my credit even more!
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2015-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I contacted 5/3 Bank when I became very passed due with my house payments. I sent them a packet of information they requested and was contacted online by XXXX of their processor an XXXX XXXX who became my contact person at 5/3. I became quite concerned with the time it was taking the bank to process paperwork, and I told XXXX that the bank needed to hurry because I was to appear in court over this issue. She told me that since my home was in the process of a possible modification / workup .... that there was no court dates I needed to attend. I repeatedly asked this again and was told no court. My problem was that the lawyer from 5/3 did go to the court date and it appeared that I did n't based on this employee from the bank 's information. At this time the bank then began making decision about my home legally and even sold it in a sheriff sale on XXXX XXXX, even after I was able to get a XXXX settlement conference scheduled from the Judge based on the email issue. While the XXXX settlement conference was continued for my husband 's " Hardest Hit Funds '' to arrive from the federal government, 5/3 when ahead and held and unlawful sale of my home and is now planning an eviction.
Company Response:
State: IN
Zip: 46140
Submitted Via: Web
Date Sent: 2015-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a mortgage loan with Fifth Third Bank. I have had this loan for several years. Initially inhad XXXX properties and XXXX loans with Fifth Third Bank but due to their sloppy recordkeeping, I had a four year battle with them over escrow payments for each of the XXXX accounts which they misappled or put into the wrong account. They never once took the time to straighten out the accounting of these accounts. The statements they sent were difficult to read and understand. After additional negotiation and what was an attempt to resolve the issue, they sent me XXXX " revised '' loan agreements. XXXX they left on original terms ( XXXX XXXX property ) and the other ( XXXX XXXX property ) they attached an additional {$15000.00} to the debt without any accounting verification or an appraisal of the property. They then renigged on their agreement of the XXXX property and said I would have to reapply for a new loan. When I objected they took the property through foreclosure. They stated that I owed over {$8000.00} on the loan when the actual amount was substantially less than that. The XXXX XXXX property agreement payments, due to the increase in debt of {$15000.00}, went forward. In the XX/XX/2014 they threatened foreclosure again stating that exaggerated payments were due on the account. It took weeks to try to work it out with the final result being that their original claim of unpaid funds was NOT correct. They never gave a comlete accounting of why there were differences in the payments shown and due. They also charged me attorney fees for the foreclosure even though therecwas issues with their accounting. Now once again they have not correctly accounted for payments. However, they threaten to foreclose on the property even though there isca dispute as to what is owed. This bank does not provide very good records andvit takes time to descipher what they have or have not posted. I have to go back to the various banks and see if all the checks were cashed, etc. They give me two weeks to try to verify all psyments and in this case I know they have not correctly posted all payments. However they are determined to take this property just as they did previously with the XXXX property without correct or complete accounting of the payments. I could not attach all documents but will be sending them by separate mail. Sorry but there are too mant documents to send forward. My current account number XXXX XXXX. Unfortunately I dont have a specific bank contact at Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH. XXXX. The attorney handling the account for the bank on each of these occasions is XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, WV. XXXX, ( XXXX ) XXXX. All I am trying to do is correct their accounting. I do not thinkmitvis fair that they can constantly threaten to forclose when their accounting is INCORRECT!!!!! Your assistance would be greatly appreciated.
Company Response:
State: WV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-31
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: XXXX XXXX we used bank card to pay for car repair {$280.00}. My husband was going to transfer from savings to checking but forgot. At the time we had {$1400.00} in savings and the accounts are joined together and we have overdraft protection. Well we were not notified and we kept using the card and for every transaction they charged us {$37.00}. We now have overdraft fees in the amount of {$1100.00}. This while time no one transfered the money from savings and the card was able to be used. We went in Sat XXXX XXXX to make a complaint to the manager and he said it was above what he could do and he would email his regional manager and call us on Tues. Well he never called and we found out that someone had authorized all of our savings {$1400.00} to be taken out and they too his paycheck of XXXX and some change to make our account a XXXX balance. Well I called Friday to find out why no one had gotten back with us and still no answer. We feel that we should pay the fees from our mistake but they should not have take all of our money to which we now can not pay car payments rent to our house and all other bills that are due tomorrow. My husband went back this morning and still nothing is being done. Please if you can help us that would be great. My husband researched and found that in XXXX other states 5/3 bank has lost cases due to insufficient fund issues.
Company Response:
State: FL
Zip: 34677
Submitted Via: Web
Date Sent: 2015-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-31
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened an account at fifth third bank. I was online messing around with the bill pay feature. I have a small business so this feature would be great for my out of state employees. I set up a check under my business name for XXXX $ and hit send. I tried to cancel and the online said I could n't because it was already in processing. Well I did n't contact anyone because the check was coming to me so I was going to throw it out I knew it would n't get cashed. Next thing I know my account is locked so I called the fraud department explained what happened and they said all I needed to do was go to a bank and the branch manager could unlock it. So the next day the branch I went to made a call and said I needed to contact the branch manager where I opened the account so I did that immediately. She said she would call the fraud department and call me back. After half a day went by I called back and she said there was nothing learned yet. I waited a couple days called and she said sorry there was still no answers for me. I only have {$50.00} in this account so it 's not causing financial issues only a long drawn out headache. How hard is it either close the account and give me back my money or unlock it and do business.
Company Response:
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2015-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No