Date Received: 2015-04-08
Issue: Other
Subissue:
Consumer Complaint: TodayXX/XX/XXXX, I received in the XXXX mail the attached letter dated " XX/XX/XXXX '' from " Fifth Third Bank '' stating, among other false representations, " Thank you for being a valued Fifth Third Bank Customer. '' However, I am not now, and I have NEVER been, a customer of Fifth Third Bank. I have already informed them of this fact. The letter also states : " Thank you for your recent inquiry regarding the Fifth Third Bank Checking account number XXXX and savings account number XXXX. '' My initial inquiry to this bank last year did not concern anything other than a Master card credit card allegedly issued by Fifth Third Bank which appeared on XXXX of my credit reports ( XXXX of which has since deleted it ). When I complained directly to the bank about this false reporting of a Master card credit card, the bank told me they would investigate. They then responded in XX/XX/XXXX by sending me a package full of fraudulent bank statements and a letter from " XXXX XXXX '' from the " Office of the President '' telling me they do not have my signature on any credit card or other accounts, but, the credit card is mine ( it is not ) and that statements sent are mine ( none were mine ). These false statements concerned XXXX savings accounts ( a " XXXX XXXX '' account and a " XXXX XXXX '' account ), and a " Totally Free '' checking account, none of which were mine and none of which I had ever heard of before. The XX/XX/XXXX letter suggested I contact their " DIspute '' Department. I did not do so, because I felt : I already disputed the credit card, and the result of that was a fake letter and a package full of fraud. In XX/XX/XXXX I complained to CFPB about the fake credit card and these fraudulent statements and fake accounts. The result was that " XXXX XXXX '' from the " Office of the President '' of Fifth Third Bank responded to CFPB, and claimed that now there was a " case number '' for " XXXX savings account and XXXX checking account '' and another " case number '' for the " credit card. '' She did not mention in her XX/XX/XXXX to CFPB the other bogus savings account. Her letter also stated this matter was now going to their " Fraud '' department, and it takes up to " 60 days '' for a response. Because she did not mention the other bogus savings account, I disputed her response to CFPB, because her response raised more issues. Yet, this letter I received today is not from the " Fraud '' Department. Instead, it is dated prior to her XXXX XXXX response, and it is from the " Dispute Resolution Department '' from a person with only a XXXX name, " XXXX. '' What is the origin of this letter? What is the purpose of this letter? To now obstruct any investigation by CFPB into the matter I already reported to CFPB? To falsely claim that I am a customer of Fifth Third Bank when I am not? I feel like this letter has no actual legitimate purpose, and is harassment and an attempt at obstruction of justice into the fake and fraudulent statements already sent to me by " XXXX XXXX '' from the Fifth Third " Office of the President '' in XX/XX/XXXX which I already complained about to CFPB. The purpose of this current letter seems to be to misrepresent material facts and to convince CFPB to close their investigation, even though : no one has responded yet to the fake credit card situation I originally complained about, or the omitted savings account in XXXX XXXX 's XXXX XXXX response to CFPB. Attached is the letter I received today. I also do n't why such a letter would state to any consumer the following : " Be advised that we may need to ask you for additional verifying information to process your request. '' Are they saying to consumers who believe they are victims of identity theft that an affidavit and a police complaint is not enough? Why? I now believe I am not a victim of identity theft, but that Fifth Third officials -- at the request of a 3rd party -- created bogus documents.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2015-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-06
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: I do not recognize this account was opened up because of my identity being stolen it needs to be removed asap.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2015-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX, XX/XX/2015 I sent a letter informing Fifth Third Bank not to process my payments. electronically anymore. This letter was sent certified mail and I had the receipt from where I sent the letter certified mail on XXXX XXXX, XX/XX/2015 My receipt shows that Fifth Third Bank received and signed for the mail on XXXX XXXXXX/XX/2015. In that same letter I enclosed my mortgage payment for the month of XXXX in the amount of {$1700.00}. Fifth Third Bank cashed that check on XX/XX/2015 it cleared my account. On XXXX XXXX, XX/XX/2015, which is more than 3 business days after they received my letter, Fifth Third Bank tried to make an electronic transfer in the amount {$1700.00} which is also an incorrect amount for my mortgage payment. This is clearly a violation of the Electronic Funds Transfer Act 12 CFR 1005.10 ( c ) ( 1 ) Consumer 's Right to Stop Payment. This states that " A consumer may stop payment of preauthorized EFT ( electronic funds transfer ) from the consumer 's account by notifying the financial institution orally or in writing at least 3 business days before the scheduled date of transfer ''. As a result of Fifth Third Bank trying to complete an EFT for an amount to cover my mortgage which had already been paid, I was charged {$30.00} from my bank with who I hold my checking account ( XXXX Bank ) for insufficient funds. Now Fifth Third is calling me and trying to collect additional money as well because the check did not clear. I have called and talked with several representatives who are either refusing to help ( just trying to collect more money XXXX or saying they can not help. I have explained to them that my mortgage payment for XXXX is not due yet and XXXX representative was saying the EFT that they tried to process was for the XXXX payment. I have explained to them I will continue to pay my mortgage monthly but by check and I will no longer use EFT. Fifth Third Bank should also have to reimburse me {$30.00} to make me whole as a result of my insufficient funds charge with XXXX due to them violating Federal Regulation regarding the Electronic Funds Transfer Act. I have copies of the letter mailed, as well as the certified mail receipt PS Form XXXX, Domestic Return Receipt if they need to be provided.
Company Response:
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2015-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-05
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: I started calling Fifth Third Bank at XXXX on XXXX/XXXX/15 I attempted XXXX times to logon to my account and it would not. Hence I attempted to reset my password on the third attempt and it failed. I called the toll free customer service line XXXX XXXX times and XXXX XXXX times but to no avail was I able to reach them. Their customer service center was not to close until XXXX or XXXX. I ended at XXXX because I needed to pay my credit card at least something at {$100.00} until Fifth Third Bank attempted to resolve the financial mismanagement problem. Again XXXX XXXX and his XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are involved in this scam.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2015-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I made a mortgage payment on XXXX XXXX, 2015 in the amount of XXXX. I paid on the XXXX primarily because I was in the process of closing on a refinance and the loan officer did not want me to past the XXXX days. On XXXX XXXX, 2015 I was notified that I failed to make my mortgage payment and was now XXXX days past due. I spoke with a supervisor by the name of XXXX and explained that made a payment, but was told that my payment was XXXX short due to an escrow shortage that they applied to my account effective XXXX XXXX. 2015, so even though they cashed my check they did not apply it and would report my account XXXX days late. I explained that there were issues with escrow, that I had requested statements which I had not received but that most important, I was in the final process of refinancing my loan, WITH THEM, and was told both verbal and written that the escrow issues would no longer be an issue with the new loan and I start over. I was literally scheduled to close in XXXX days, only waiting for final payoff. XXXX XXXX took my payment for XXXX and said she would forward request for credit adjustment. Btw I had received only XXXX notice re escrow, called and asked for previous years escrow accounting because mistakes had been made XXXX made XXXX payments for homeowners ) but never received it. Bottom line, there should never be a reason a person is reported XXXX days late on a mortgage payment for a XXXX escrow shortage. Money that sits in an account and in an amount so insignificant. I will rethink refinancing with this lender but in the meantime, I need my escrow account audited and my XXXX day late to be corrected. At a minimum I have not been adequately informed.
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2015-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-01
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I received a letter from Fifth Third Bank " The curious bank '' that said through an envelope window " ACTION NEEDED : Respond By XXXX XXXX, 2015. '' On the back side of the envelope, it said " Time-Sensitive Materials Enclosed. OPEN IMMEDIATELY. '' This piece of mail was seen by my family members who assumed that this was very important that needed to be dealt with immediately. My family overnighted this mail to me so that I could handle whatever needed to be dealt with " immediately. '' Inside was a " Notification of Pre-approval '' for a platinum card. This type of deceptive advertisement has now cost my family money. To me, this is a clear UDAAP violation in the following ways : ( i ) it has caused a clear financial injury to me as a consumer, ( ii ) the injury was not reasonably avoidable due to the language from Fifth Third Bank and ( iii ) the financial injury I incurred definitely does not outweigh the benefits of having yet another credit card that I do not need.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2015-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-30
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I had an account with fifth third bank that I had not used in over a year. There was a single deduction still being made from the account that I was unaware of. I was notified by an automated phone call that there was a problem with my account which prompted me to call the bank. Upon making this call I learned that there was an over draft ; informing me that the account -- that I thought was inactive -- was actually still being debited. I asked the individual how I could bring the account current ; the option of just paying the debt via a credit card ( which I later found out would have been an option ) was not offered. He offered no solution other than for the company to whom the payment was made to refund the money to the bank. I have never received any mailings regarding the account being delinquent or overdrawn from XXXX bank. I did, however, receive a mailing from XXXX XXXX collections agency to my correct and current address which they stated was obtained from fifth third bank. I am curious as to why the bank did not send me any notification of the accounts status or its pending transfer to a collections agency. I have subsequently paid off this debt in full to the collections agency but am unhappy that a customer of any bank could be sent to collections without proper notification ; particularly after I had reached out to them to correct the problem. It is also interesting that the collections agency actually obtained my address from XXXX bank per their employee ( name and employee number in my possession ). And, to boot, the account could have simply been brought current and closed over the phone avoiding all of the hassles and headaches thus far.
Company Response: Company chooses not to provide a public response
State: PA
Zip: 17543
Submitted Via: Web
Date Sent: 2015-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Since XX/XX/XXXX, despite making my mortgage payment, in the same manner and for the same amount ( {$2300.00} ) as I had for the previous 10 months, our mortgage provider Fifth Third Bank has incorrectly processed payments. This problem has now occurred in XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX and XXXX ( XX/XX/XXXX ). Each month the payment processing error is different and the problem has persisted, despite my filing XXXX complaints with the XXXX, monthly calls to Fifth Third bank Customer Service and several interactions with Fifth Third Bank 's Office of the President. I CAN NOT understand or fathom, how the bank processed these payments correctly 10 consecutive months in a row ( {$900.00} mortgage payment and {$1400.00} additional on the principal of the loan ) and suddenly not only ca n't process the payment correctly, but worse can not explain all of the errors. I have also filed a formal complaint with the Fifth Third Ethics and Compliance line on Monday XXXX XXXX, 2015 and have not even had the courtesy of a follow-up call. I find this practice unethical and likely to be occurring to other consumers who may not even be aware. I was provided this channel to file the complaint after reaching out to " XXXX On Your Side '' television investigative reporting, here in the XXXX, XXXX, FL area. I am hoping you can help, as the stress of dealing with these ongoing payment processing errors is now taking a toll on my emotional health and well being. I find this bank despicable. I have prepared and will be sending formal written complaints to the CEO of this bank and the Senior VP, whose name was on a form letter I received in XXXX, following a call from the Fifth Third Bank 's collection department on XX/XX/XXXX, informing me I had not made my XXXX XXXX payment, when in fact Fifth Third Bank had processed my check on XX/XX/XXXX, informing each of the persistent, frustrating and insulting treatment I have been receiving month after month.
Company Response:
State: FL
Zip: 33707
Submitted Via: Web
Date Sent: 2015-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I submitted a request for loss mitigation options on XXXX/XXXX/XX/XX/2015 My authorized 3rd party left several messages for follow up to confirm documents received and the authorized agent XXXX XXXX would not return calls. Finally when he was reached on XXXX/XXXX/XX/XX/2015 on a recorded line he stated that they refused to review the documents because it was received XXXX days prior to a sale date. He refused to send anything in writing stating this. Please help. I was never notified of the last day for loss mitigation options in writing nor verbal. PLEASE HELP!
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2015-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-24
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I contacted Fifth Third Bank XXXX/XXXX/2015 via XXXX regarding the status of my checking account due to Decline of a payment for XXXX on XXXX/XXXX/15 by the bank. As of XXXX/XXXX/15 I had over {$4400.00} in my checking account and it has disappeard. I am alleging it is a scam because the personnel at the bank through an outside party back in XXXX XXXX stole $ 8K from my checking account and never replaced it even though I have XXXX times a month called, sent letters and personally gone to the bank XXXX TN the have yet cooperated with me and when asked for the fraud dept to discuss this issue they gave me the wrong phone no which had been disconnected.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2015-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No