Date Received: 2023-07-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, my checking account at Fifth Third bank was assessed for two charges I did not authorize- one was for {$6.00} and the other was for {$130.00}. They were for XXXX and XXXX in XXXX, respectively. I do not know who this company is, I never ordered anything from them, and I never received anything from them. The phone numbers for them listed on my bank statement do not appear to be valid as no one answers my calls. Within a few days, I notified Fifth Third bank by visiting their branch on XXXX XXXX in XXXX XXXX and notified them these were not valid transactions. The bank employee took my information and a few days later I received letters indicating I received provisional credit for both transactions. I subsequently received one letter stating that the {$6.00} would not be charged, but that through information they received from the merchant, they determined the {$130.00} was valid and my account would be debited. I then returned to the bank, and asked them to please send me a copy of the transaction and proof that I ordered it and it was delivered. They failed to do so. After several months of letters back and forth, and repeated visits to the same Fifth Third Bank, I finally received a copy of a print out in XX/XX/XXXX showing that the company charged {$130.00} for a Fitness Bench. I did not order a fitness bench, have never done an internet search for a fitness bench and communicated this to the bank. In addition, no one visited me during this time who would have had access to my debit card. In XX/XX/XXXX, I also asked XXXX at Fifth Third why I had not yet received a copy of either the shipper 's information or proof of delivery, as I was promised, and he advised that they were not required to obtain this from the merchant. I told him that I am baffled they can charge me for something, and not provide supporting documentation. On XX/XX/XXXX, I spoke to XXXX at Fifth Third again, and then his supervisor. He stated that they determined the charged was valid, based on information from the merchant. He affirmed that they did not have to provide me shipping data, and said they would reopen the case if additional information was provided to them. I told him I had no data, as I never ordered this, do not know who the vendor is, and never received a shipment from them for either of the charges. I asked if Fifth Third was willing to originally ( in XXXX ) refund the small amount because it was a low amount, and he agreed with my statement. I then asked if contacting the FTC or CFPB was the next step, and he said I could do that. I am XXXX XXXX XXXX and do not use a fitness bench. I have limited mobility and vision. I assure you that I have no need for a fitness bench. I have no children who would have ordered this equipment. On XX/XX/XXXX I received the most recent communication from Fifth Third again stating that the merchant confirmed the transaction was valid. It is not valid, I can not contact the company and I can not provide a non-existing order or any shipping data to them because they do not exist. I am asking your good help in resolving this matter.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/2023, being ignorant of these non-approved charges for {$2.00}, I did not pay this XXXX charge and Fifth Third Bank recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least XXXX consecutive months from XX/XX/2023 through XX/XX/2023. This month ( XX/XX/2023 ) after proving to Fifth Third bank the charges were fraudulent and not approved by me, Fifth Third Bank removed all charges and reversed the XX/XX/2023 late fee. However, the $ XXXX {$3.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXX, XXXX XXXX XXXX AND XXXX XXXX Please have these $ XXXX {$3.00} charges removed from all XXXX credit reports ( XXXX, XXXX XXXX XXXX AND XXXX XXXX, asap as it has negatively affected my credit! PLEASE SEE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!
Company Response:
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I opened my 5/3 bank account and saw a pending charge for {$390.00} from XXXX on my checking account. I immediately called the bank to let them know there was fraud on my account. Customer service said I needed to wait until the charge went thru and they took my money before they could dispute the charges. The next day the charges went thru and I went to the banking center to dispute the charge on my account. After 8 days they gave me a provisional credit and I thought it was taken care if. I had a new debit card and my money was returned, When they did the initial dispute there were a few other charges I never saw on my account from earlier in the year - starting n XXXX for a total of {$18.00} that they also disputed at that time. The bank has now taken my {$390.00} back out of my account on XX/XX/XXXX and to add insult to injury they are stating that due to regulation E they will NOT return that {$390.00} because I didn't report fraud earlier.. I had no clue it was there.. but it gets better,, on XX/XX/XXXX I was woken up to a text message from 5/3 bank at XXXXXXXX XXXX asking me if a {$390.00} charge from XXXX was my charge- I declined it and they shut my card down againbut did NOT BLOCK the charge and XXXX got another {$390.00} and the bank forced me to wait again until the charge went thru my account and they took my money AGAIN on my NEW card that the bank issued me incorrectly and I am now disputing that charge. Apparently the bank MANAGER did not properly shut down my debit card and allowed Mastercard to send my new card information to XXXX to hit my account yet again for another {$390.00}. At XXXX XXXX I responded that it was not my charge and the bank still allowed XXXX to take my money and forced me to dispute another charge that was caused by the bank manager for not properly shutting my debit card down in the first place. I have now filed three disputes. The bank gave me {$18.00} of the total {$810.00} that has been fraudulently charged on my account and told me too bad on the {$390.00} that was charged in XXXX and that I should have reported fraud sooner.. If I had I know there was fraud earlier on my account I would have reported it immediately. The bank refuses to refund {$390.00} that was disputed from XX/XX/2023 and I am still waiting on a provisional credit and final credit for the second {$390.00} that was stolen from my account dur to the incompetency of the manager.
Company Response:
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I purchase an auto loan on a used car, XXXX XXXX XXXX, through XXXX XXXX XXXX in XXXX XXXX, NJ. Bank is named 53rd bank, contact number XXXX. In XXXXXXXX XXXX XXXX I became unemployed and contacted them with this information. Their response was that I was not eligible for their hardship program and that I should pay what I could. There is a note by my account that says " User memo 8 add '' around the time I called. I did just that and when I became a Full time employee in XXXX the account had been charged off in XXXX. I contacted them about that to dispute it Their response was that I could not dispute the charged off account and that I should have received a letter in the mail. I did not receive the letter in the mail because I moved in XXXX and had issues with forwarding mail to my current and updated residence. There wasn't even an email. I have reach out to many different financial institutes to cover the loan, but non are willing to work with a charged off account.
Company Response:
State: NJ
Zip: 07016
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I closed my safe deposit box on XX/XX/2023. Went into the branch, signed paperwork and gave them the two keys I had. They gave me a {$25.00} credit on my account for the keys. Annual renewal was XX/XX/2023. They gave me no paperwork and no receipt. I had to take off work to do this. On XX/XX/2023, Fifth Third charged my account for the safe deposit box for another year in the amount of {$86.00}. I called Fifth Third customer service, they could not help me, told me to call the branch. I called the Fifth Third branch, no answer and no voice mail to leave a message. This was XXXX XXXX today. I can not take off work again to go to the branch to ask about something that should have already been handled a month ago. Please ask them to refund the {$86.00} immediately. I am trying to close out all my accounts at Fifth Third, but they are making it impossible for me to do so.
Company Response:
State: OH
Zip: 45840
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: In the month of XX/XX/XXXX I was debited {$50.00} bc supposedly in XXXX they changed my account to an XXXX Account without my permission. The rule with this type of account is you can not go below an average of {$50000.00} a month. Weve been banking with them since XXXX. I have never been charged an account fee. So they should not have changed my account type without my permission. I never received a phone call or an email asking me permission. They switched me over without my permission. Thats wrong. I asked them to switch it back but they need me to go to a branch location. So they need my permission to switch the account back to the original account but they dont need my permission to change the account.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I had a secured master card with 5th 3rd bank. Every time I call requesting that all my accounts be closed I get a different excuse as to why it cant happen. I have been asking since XX/XX/23, yet they keep taking on fees. This bank is flat out stealing from the customers
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: date of XXXX total amount XXXX I have extended my credit using my open end consumer credit plan under 15 U.S code 1602J to this fifth third bank and I have not received no benefits. furthermore I have rescission the contract for the failure to notify me of my right to rescind a transaction subject to rescission by not delivering two copies of the notice 12 CFR 1026.23. violation under TILA 15 U.S Code section 1605. after sending the notice by mail to the CFO I have countless calls from the bank harassment me to make payments after time and time again to let them know to stop calling me now i have no choice to star making complaints to federal agencies and state attorney general. they fail to repossess the automobile after 60 days of they receiving the notice of rescission.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I had autofinance fraud attempted at XXXX XXXX XXXX and also XXXX XXXX XXXX and the same day Fifth Third Bank shows also a credit inquiry to my credit reporting service and I have absolutely neve had anything to do with this bank and it is identify theft I tried to call this bank and they wanted all sort of details and would not transfer me to fraud and I gave my name only and she wasnt interested and seemed incompetent and keep asking me for my bank account no which does not exist so I am forced tofile this complain. I do not have any details as fifth third bank was useless when I called. and its listed on my credit report the bank with someone unknown faking my identify tried or did something.
Company Response:
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am a victim of identity theft. I discovered that an account had been fraudulently opened with Fifth Third Bank on XX/XX/ when XXXX had notified me that my personal information had been used. I confirmed with the bank that my SSN was being used and immediately disputed the account as fraudulent. I was advised by the bank that an investigation would take place that could take up to 90 days to complete. XXXX The bank required supporting documentation be sent which XXXX sent to the bank via fax on XX/XX/. The documentation included an FTC affidavit, a police report, proof of my identity and proof of my address. This documentation was confirmed to have been received by the bank. Both myself and XXXX have attempted numerous times to receive an update on the banks investigation but have yet to receive any such update. I would like the bank to close the fraudulent account ( credit card ), remove any liability associated to my name, correct my credit report and provide me a release letter with the results of their investigation.
Company Response:
State: OH
Zip: 43551
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A