Date Received: 2023-07-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: As of XX/XX/XXXX my accounts have been locked unable to close access any payment method for fifth third credit card or any withdrawals from savings account which holds {$1500.00}. I owe XXXX or nothing have paid off any loans always in good standing. Fifth third made a check available in my savings account before it cleared and then dispersed monies to me thinking that there were funds available. I then notified them that there were not that the check didn't clear. Brought the account in good standing that day. They still refuse to release my funds from my checking account it's been over 30 days now they're breaking federal laws and they're also refusing to let me close my savings account and credit card account. I have no access to anything with fifth third and they're holding {$1500.00} of funds for no reason.
Company Response:
State: OH
Zip: 43402
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was contacted regarding a remote job. Asked to download XXXX app for interview. I was interviewed and offered the job. I looked up the company and it was a legitimate big company. I was sent a check to deposit. I called my bank Fifth third the next day to ask if the check was cleared. I was assured it cleared and the funds were put in my account. I was asked to XXXX money {$1000.00}. Which I did and there was no questions about it. I also bought XXXX XXXX for the software to be uploaded to the XXXX XXXX XXXX they were shipping me. The check was for XXXX. The next day they deposited a check for {$4700.00}. At this point I was getting suspicious and started questioning them. I immediately called the bank again twice and was reassured I had nothing to worry about that the funds were cleared. I did not do anything with the {$4700.00} just left it in the account. I called the fraud line and gave all the information and uploaded all documents. I was told that she didnt know why the other bank employees would have guaranteed me that the funds were in the account. I even had them on speaker and my fianc heard the conversations that the funds were cleared. Well now I am out {$2100.00} which I dont have the money to cover. I have not heard back from the bank.
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Im currently on a FEMA natural disaster mortgage forbearance plan. It Started on XX/XX/2023. According to XXXX XXXX guidelines I have up to 12 months to be on forbearance. As of today Im still actively participating in the plan. However during my call to fifth third bank last month to extend my forbearance the telephone representative might or might assumed Im on a regular forbearance and is not protected by credit reporting. as of now there is a negative remark reported for month on XX/XX/2023.
Company Response:
State: CA
Zip: 95618
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Fifth Third Bank will be the next bank that is illegally triple-charging overdraft fees when they can not explain why the fees were assessed with to begin with. I have had an account for Fifth Third Bank since 2016 and I never had an issue with them until the last year -- when I noticed they have been charging customers for overdraft fees. I experienced this over the weekend, monitored my account everyday -- and woke up this morning to {$110.00} as one charge -- of overdraft fees and no one could explain it to me that would make it make sense -- when I was depositing money every single day and it never showed me my account balance was in a negative. Not only that -- they held the charge for 4 days -- and posted the charge on the day my account was low. Even then, with their policy -- that states that as long as the funds are deposited by XXXX the next day, I will NOT receive an overdraft fee -- and yet, I will still charged. This has happened to many customers, and enough is enough already. Legally, this is unacceptable and I'm sure there were many other customers that experienced the same exact thing as I did today. Think about, if you can scam at least XXXX for {$110.00} in overdraft charges -- that's a total of {$330000.00} total they just recovered and will do nothing -- absolutely nothing -- to waive those fees for their customers. Please investigate -- these banks are getting out of control with these overdraft fees and we feel as if we have no other choice but to deal with it because these banks refuse to work with us giving us the answers we need.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX my account was logged into by an unknown person. I received numerous messages that someone was attempting to log into my account and eventually that they had successfully logged in. They transferred money four different times using XXXX for the amounts of {$300.00}, {$300.00}, {$300.00}, and {$100.00}. Later on XX/XX/XXXX my account was used again in an unauthorized purchase of about {$1100.00}. Fortunately the {$1100.00} was returned to me on XX/XX/XXXX as it had never fully processed. However, the money that was transferred via XXXX has not been refunded to me in over five months. I have disputed the charge over and over and have been shut down each time. Whenever I go in person to a Fifth Third location I am told that it was obvious I was hacked and my money should come back to me within thirty days. This has not happened yet as Fifth Third claims I was sent codes that I used to authorize the transfer on money via XXXX but I never was. I have tried explaining this many times but it seems like they dont care to listen, especially the disputes office.
Company Response:
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: 5/3 bank mobile banking app my log in info has been changed so many times they block my access to log in and block my card ( debit ). Until I call and @ nset security questions
Company Response:
State: MI
Zip: 49504
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I went into the branch of 5/3 and tried to make a payment and they would not take it and the manager was rude and not helpful -- -- -I am a veteran as well.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX I called Fifth Third Bank at XXXX. I attempted to close my bank accounts. I had XXXX accounts, a personal, a business and a savings. The agent told me I had to empty the accounts to zero before they could close them. They also told me I had to go to the Bank XXXX XXXX XXXX to explain why I wanted to close because this number does not handle business accounts or complaints. On XXXX, I went to the bank and found there was construction. I parked a block away and as an XXXX XXXX XXXX handicapped person, I walked to the door to find a note stating the lobby was closed. On XX/XX/XXXX, a payment was completed by XXXX XXXX to XXXX XXXX. I never autorized the payment and the credit card number was charged from a 6 month old form I had filled out to XXXX. I was Never notified about this payment, I never got a text as I was supposed to and I never was given the opportunity to deny it. On XX/XX/XXXX, I discovered the charge on my own, as well as the fee of {$37.00} charged against me. I called Fifth Third and was told there was nothing they could do since I had an overdraft authorization on file. I immediatly told the agent to cancel that and they said they could NOT. On XX/XX/XXXX I saw the situation had Not been fixed and I deposited {$850.00} to cover negative balances. Again I called the banking center and was transferred to the business account center. I was told they had also had a withdrawal against my business account. I said there were sufficient funds to cover all of that and to close my accounts. I was told the accounts would NOT be closed until the check had cleared and all accounts had a XXXX balance.. It was then I discovered they had charged an additional {$49.00}, {$37.00}, and {$25.00} on this account as well as {$72.00} and {$8.00} and {$37.00}, and {$16.00} and {$7.00} and {$11.00} and {$11.00}, and {$11.00} and {$8.00} on XX/XX/XXXX and {$8.00} on XX/XX/XXXX. By calling XXXX more times between XX/XX/XXXX and XXXX, I was able to get XXXX of these charges reversed. My deposit of XX/XX/XXXX is being HELD since then, even though it cleared my external checking account on XX/XX/XXXX. They are still adding daily fees and refuse to answer me or fix the problem. This entire p [ roblem arrises from Fifth Third Banks problems as ; XXXX XXXX paid a charge as an overdraft without notifying me. XXXX XXXX refused to close, freeze, or act on the problems when I asked. XXXX The system is automated and every employee says they are not empowered to fix the problem I need clarification on why my check is being " Investigated '' so long, and clear instructions on how to close these accounts and a stop to XXXX written letters from Fifth Third threatening me with " Further Action including reporting me to the credit XXXX and taking action as appropriate to collect these debts. The latest letters were recieved on Monday, XX/XX/XXXX at XXXX, XXXX letters.
Company Response:
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Fifth Third Bank will not stop emailing me bill reminders - multiple monthly. I closed my parents accounts ( deceased ) and the estate account around 2 years ago. I have called multiple times. I have written multiple times. I have contacted them on XXXX multiple times. They claim it will stop but never does. It causes me mental distress every time I receive the emails. I just want them to stop. The bill reminders come in my mothers name, she has been gone since 2016. Thank you for your assistance.
Company Response:
State: IL
Zip: 60441
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My wife works as a XXXX XXXX with Fifth Third Bank and is very fearful of reporting this issue, for fear of retribution to her and her position. Fifth Third owns a title co called XXXX XXXX XXXX and for many years, loan officers were forced to use XXXX for all refinances and if they did not they were written up for not following procedures. This does not follow the federal guidance that allows the borrower to choose a title co. Most borrowers do not know who to use or how to shop it and so they usually ask the loan officer who to use and the loan officer at Fifth Third is only allowed to use XXXX. They are required to disclose XXXX fees and have no other option to show the borrowers. XXXX fees are higher than many other title companies. They tell their loan officers in the training that most borrowers on refinances will not shop and will just go with whoever the bank discloses on, so this is very very deceptive to the consumer. This practice had been halted for about 3 years and the loan officers were not forced to use XXXX, but just recently, they put the rules back in place and the loan officers are forced to disclose XXXX again and not allowed to suggest any other co, when fifth third and the loan officers know that XXXX is fully owned by fifth third and they know the borrower will just go along and not shop it. THIS IS DECEPTIVE INFORMATION TO THE BORROWER and Fifth Third is banking on the consumer having little knowledge of the industry and to just " go with it '' and fifth third will make the fee income off the title insurance since the market is down and they are not making as much money from loans as they have in the past couple of years.
Company Response:
State: KY
Zip: 41017
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A