Date Received: 2015-06-08
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: The subject is about Fifth third Bank internet auto-pay bankingThis is the XXXX or maybe the XXXX time that I set up an auto-pay but some trigger defaults the account the money is to be drawn from the account I assigned to an account that has the least amount of money and thus creates overdraft fee 's XXXX trigger is if you change or modify the amount, without you being aware unless you research intentionally will re-assign the account with the least amount of money.. I have addressed this fault with Fifth Third believing it was a programming error But now just another Trojan Horse.. A year and a half ago they sold me on the Early Access product that I was lead to believe was a overdraft protection product that was charging a very high percentage rate. I complained about that and now the interest rate is 3 % or lower and it is an overdraft protection vehicleThen last month or so I find out they started charging {$15.00} checking account fee on a free account.. XXXX reason being I have direct deposit. Now the bank manager credited 3 months because thats all the further he could authorize this refund. But still this bank continue 's with inventing these Trojan Horses
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2015-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-05
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: My wife and I believe we were denied an equity loan based on our age. Here is the story. We bought a house in XXXX Michigan in XXXX of 2013 that had been foreclosed on by the XXXX. We paid the appraisal price of {$69000.00} for the house and financed {$55000.00} with XXXX. We put over {$30000.00} into the house completely remolding kitchen and bath ; replacing all cast galvanized water pipes with XXXX ; upgrading electrical ; new double steel insulted garage door ; installed covered patio ; restored outside sprinkler system ; new hot water tank ; all rooms were painted and the hard wood floors through the house were professionally refinished. Our house is now XXXX of the nicest in our subdivision and with a lot size of XXXX acre has the biggest yard. Comparable houses in our neighborhood which there are XXXX listed XXXX for {$110000.00} and the other for {$110000.00} neither have updated bath or kitchen. All to say our house would clearly appraise and sell for well over {$120000.00}. We recently decide to get a home equity loan with 5/3 Bank. After XXXX or more weeks of just XXXX more document after another we were finally approved pending an appraisal. When we first met with 5/3 loan officer the first thing i ask was if the appraisal would be a walk through not just a drive by. We were assure XXXX that it would be a walk through so 5/3 could see all of the improvements we had made to the house. After calling several time the loan officer said the appraisal came in at XXXX therefor we could n't get an equity loan. The loan officer said yes it was a full appraisal. This was not true and i informed her that i was there when a guy came by and took some out side pictures. I ask him if he was coming in and he said no he was paid {$25.00} to take picture and that was all. 5/3 has refused to preform an appraisal even though they had promised to preform XXXX. We believe it is 5/3 way of discriminating based on age.
Company Response:
State: MI
Zip: 48066
Submitted Via: Web
Date Sent: 2015-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-04
Issue: Convenience checks
Subissue:
Consumer Complaint: I wrote XXXX convenience checks at the same time with a promotional rate of 2.99 %. Both cleared within days of each other and within the offer time. I paid a small fee on both for the " privilege '' of using these checks. I have been charged the promotional rate on XXXX check and 15.99 % on the other. I have called and spoken with representatives numerous times and have been told every time that the issue will be handled but it has not.
Company Response:
State: WA
Zip: 98007
Submitted Via: Web
Date Sent: 2015-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-04
Issue: Account terms and changes
Subissue:
Consumer Complaint: On XX/XX/XXXX2015 went to the branch in XXXX Ohio to Fifth Third Bank on XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I made a withdrawal of {$990.00} {$790.00} was the cash amount that I was to get back. And {$200.00} was to be deiposited into my sons account. Later that evening I got a phone call from a cell phone number of XXXX never said who he was or anything. Just said his draw was short and asked if I had the correct amount of cash back? I said yes it was and that I always check. I think that this is harassment on his part. What gives him the right to call me after hour on his cell phone and ask questions?
Company Response:
State: OH
Zip: 43609
Submitted Via: Web
Date Sent: 2015-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was sold to Fifth Third Bank in XX/XX/XXXX. In XX/XX/XXXX I received a statement in the mail stating that my monthly mortgage payment was increasing {$660.00} per month with no explanation. In looking in the details of my statement, I saw there was a difference in the escrow fees that were being withdrawn. I contacted Fifth Third Bank and they explained that the bank had not withheld enough funds to cover the property taxes on my account for XX/XX/XXXX. I asked for the evidence in which the bank was making this decision and they said they would mail the information to me in the form of an escrow analysis. I requested that Fifth Third Bank stop charging me for escrow stating that I would pay my property taxes and insurance directly to the county and insurance company respectively. Fifth Third Bank stated they could not stop charging me escrow while there was an outstanding balance on my account. During this time, I was still paying the same mortgage amount I was paying previously while we worked out the escrow discrepancy. In early XXXX I began receiving collection calls from Fifth Third Bank stating my account was delinquent. I stated that my mortgage payments were being made in a timely manner automatically from my banking account. Fifth Third Bank agreed that they were receiving funds, but could not apply them to the principal and interest since there was a debit outstanding on my account for the escrow funds that were in dispute. I still had not received the information detailing why there was a deficit. I put in another request for the escrow assessment. Fifth Third Bank repeated they could not apply the funds I was submitting because their " system '' was not equipped to process " partial '' payments. I then took it on my own to contact my county tax department and insurance company to verify what was paid. Once verified, I went ahead and paid the deficit escrow balance to XXXX to Fifth Third Bank. I also repeated the request, both verbally and in writing, that Fifth Third Bank stop charging me for escrow and that I would pay the property taxes and insurance directly to the county and the insurance company. My XXXX statement was reflecting an escrow line item. I thought the issue had been resolved in XXXX when I paid the balance due and re-requested that escrow stop being charged. Further, Fifth Third Bank credited my account for late fees that were charged and sent me a letter to the same effect. Then, I received my XXXX statement in the mail reflecting an escrow charge. On XXXX XXXX, I finally received the escrow analysis the bank conducted that verified what I found out on my own. Now I am now furious because I then received a Mortgage Delinquent [ XXXX ] Notice on XXXX XXXX stating that Fifth Third Bank received my mortgage payment, but do not know how to apply the funds due to the outstanding escrow balance. This notice prompted me to write a letter detailing the same history of the account I am referencing here. I just hung up with the Fifth Third Bank Collections department and escrow department that are stating that my mortgage payment is now 33 days late and they will begin reporting me to the credit bureaus. I am not certain where else to turn besides legal or arbitration at this point. My mortgage payment has never been late. The payment arrives at Fifth Third Bank by the XXXX or the XXXX of every month and I have an audit trail of bank statements to prove so. What can I do to get Fifth Third Bank to stop charging me escrow, apply my mortgage payments to the principal and interest on my mortgage, and get them to correct that I have never paid late to the credit reporting bureaus ( I have not seen a late payment on my credit reports yet, the bank is saying they will report me ), and refund any additional late fees they may be assessing? Please help.
Company Response:
State: VA
Zip: 20169
Submitted Via: Web
Date Sent: 2015-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-03
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Consumer Complaint: My son and I were on an auto loan together and he could n't afford it anymore so we voluntarily surrendered the vehicle to the bank.we were told they would send a final bill after car is sold in an auction and have n't heard anything yet from them since we gave car back in XXXX 2015. Yesterday XXXX 2015 they somehow got my tenants number illegally and called her wanting her to disclose our personal information to them, like where we work and our phone numbers etc. And they also told her that we both may get a warrant for our arrest ... they have the car back so how can they threaten to arrest us for something we no longer poses? This bank has major issues and needs to be stopped..they had no right contacting my tenant and involving them and we do n't know how they got her number except googling it which should be illegal to do in this scenario. They also falsely reported on our credit reports that the car was a repossession not a voluntary surrender like it was.
Company Response:
State: NY
Zip: 12866
Submitted Via: Web
Date Sent: 2015-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-02
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I had an automatic payment scheduled for my car insurance to come out on XXXX XXXX, 2015. Since the direct deposit for my payroll was XXXX XXXX, I normally would have asked the insurance company to delay a few days to ensure funds availability, however on this occasion I forgot. Realizing my mistake, I checked my account several times during the day and evening on the XXXX to see if the payment had been posted but the transaction was not listed on the website. In the event that the payment was posted on the XXXX, my plan was to borrow funds and deposit it into the account via ATM before XXXX. ( Previously a bank representative had advised me that an ATM deposit making the account positive before XXXX would help me avoid the fee. ) The following day when my direct deposit was applied, the previous day 's balance showed as negative then the fee was applied.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-02
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On Thursday XXXX XXXX I went to Fifth Third bank to deposit a check in the amount of {$15000.00}. I went to the drive thru window and was XXXX greeted by the teller. After the teller saw the amount of the check she left the screen without informing me of what was going on and a man named XXXX appeared on the screen at the teller window that is equipped with cameras. He indicated he was a personal banker and asked with assertion for details about the check. Specifically he asked from where did I get this check and he asked did I know anything about the bank the check was issued. I knew about the check the funds were issued and asked if all the questions were necessary. At the end of the conversation and exchange I was threatened. XXXX stated to me that if I did not tell him where I got this check from he would not be able to deposit the check into my account. I asked him to return the check to me and I drove away from the drive thru window. On Tuesday XXXX XXXX my XXXX XXXX XXXX and I entered 53rd bank. We specifically asked for XXXX since I had met with her on Thursday XXXX XXXX after the incident with XXXX. We both entered XXXX 's office and XXXX acknowledged that we looked related in the initial pleasantries of the meeting. After I sat down I told XXXX that I am here with my sister who has a check in the amount of {$15000.00}. I shared with XXXX that I would like to deposit the check into my savings account. XXXX informed me that 53rd has a policy that they do not accept checks from third parties. She indicated that the only way that the check would be deposited at XXXX would be to set up an account in my sister 's name or to add my sister to my account. Since XXXX again refused me the opportunity to deposit a check into my saving account my sister and I left her office. XXXX made sure to say sorry as my sister and I were walking out of her office. Summary : I feel I was treated unfairly as a 53rd customer because I was not allowed to deposit money into my 53rd account. Such actions by the personal bankers were discriminatory in nature. I have the right to deposit money into my savings account as a 53rd account holder yet on XXXX occasions I was denied that right. I feel such actions by the personal bankers were racially motivated in that they did not see me as a customer who had all the rights and privileges as other customers. Nor did they view me as someone who they could do further business or invest such funds. Rather they saw me as a XXXX women and perceived that depositing a large sum of money like {$30000.00} was suspicious as in the case of the XXXX personal banker who grilled me on where I obtain the check. And in the case of the XXXX personal banker I was treated unfairly because other customers are allowed to have someone endorse a check over to a 53rd customer so that the 53rd account holder could deposit such funds into their account. However, my actions were always viewed with suspicion. Even though my request to deposit my sister 's check into my account was consistent with all bank policy including 53rd as a special endorsement I was not allowed to engage in this basic activity. I was denied that right by the XXXX personal bankers I worked with. Moreover, 53rd 's business code of ethics suggests that the bank values respect and inclusion. I did not feel like I was treated like a respected or valued customer. I hold a XXXX and am an XXXX.
Company Response:
State: MI
Zip: 49009
Submitted Via: Web
Date Sent: 2015-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-02
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: On XXXX XXXX, 2015 Fifth Third closed my checking account without notifying me. On XXXX XXXX, I went on line to check my balance and seen the account closed. I Called the XXXX office in XXXX Florida immediately, spoke to XXXX, asked him why the account was closed and he said they did not want my business. I told him I would pick up the check, he said I could not pick up check, it was mailed to me on XXXX XXXX. On XXXX XXXX I called and spoke to XXXX, told him I still did not receive the check and he said it would take 5-7 business days for me to get the check in the mail. On XXXX XXXX I called him again to tell him I did not receive the check and he said to give it a couple more days. I told him to just cancel the check and write me a new check and I would pick it up. He said he could not do that and I have to wait to receive the check. I told him it does not take 10 days for a check to be delivered by the post office. They are refusing to give me my money and I think the check is still sitting at the XXXX office. When I asked him who closed the account he refused to give me an answer. When I called customer service for fifth third they said the XXXX office closed the account and they could tell me exactly who closed it and where the check is. Customer service said I have to deal with the branch that closed the account, no one else can help me. I emailed customer service XXXX times and no one ever responded, though their email to me said they would get in touch with me within 24 hours of receiving my email. I left message for the manager to call me and never heard back. As the attachment shows it is alot of money they are holding of mine. XXXX 's last remarks to me were if he has to cancel the check it is a very hard and long process and it could take months to do that, so I better just wait for this check unless I want to wait at least 2 months more before I get a replacement check. They are being unreasonable and I know it does not take this long to get my check. I have talked to several other banks in town and they do not believe the way fifth third is handling this. Other banks I have talked to say, when they close an account they notify the customer and let them come in and get their money. When I mentioned this to XXXX, he said they always close accounts this way. I never received a certified letter from fifth third as XXXX states was sent to me. When I asked him to prove who signed for it, they would have it on file, he said he could not locate this information.
Company Response:
State: FL
Zip: 33613
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-02
Issue: Other
Subissue:
Consumer Complaint: Fifth Third bank is reporting this on my credit report even though the date of XXXX delinquency is on XXXX, 2007. This is past the Statue of Limitations in my state and I have tried to dispute through the credit reporting agency and they come back verified. Fifth Third has sent me a letter stating that this account fell into delinquency on XXXX 2007 and still will not change the reporting.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2015-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes