Date Received: 2023-07-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX my husband and I went to the Fifth Third Bank at XXXX XXXX XXXX XXXX XXXX, NC XXXX to make a withdrawal from our business account. The day before, we made a deposit per our normal routine. Each XXXX of the month, we are paid from the company we contract with. The next day, we make larger withdrawals to cover expenses and transactions made from other accounts and banks. This has been a consistent pattern of banking that we have done since opening our account in XXXX. When trying to make a withdrawal from this location, we were denied access to our funds. XXXX told us that the money was not available. She said that it hadn't been " sitting '' in the account long enough to make a transaction. We could see that the funds were cleared in the account, and I had already made a debit card transaction. XXXX was a person who could sign off on the transaction, but because we were not " familiar '' to her, she also refused. Neither representative asked for our credentials nor even asked our names, they blatantly lied to our faces by telling us the money was not available. I felt discriminated against and disrespected by their actions. It was a situation that could have been avoided, had they simply looked at the account 's transaction history. After we left that branch, we immediately went to the branch at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. The representatives at that location had no problem making the transaction with no questions asked. On Monday XX/XX/XXXX, I went back to the XXXX location to speak with the branch XXXX, XXXX who agreed that actions like the one 's the representatives displayed are unordinary to the way customers should be and normally are treated.
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: 53 Bank filed a late payment on my credit reports by mistake. In XX/XX/2023, My wife called to make a payment with the bank ( our truck loan ) as usual and was told she was good to go. In XXXX, 2023 we received a call about a late payment from the bank. We told them she made the payment and the bank reviewed the account and confirmed whoever took that payment input the wrong account information. We were told by a representative the payment was going to be pushed to the end of the loan and no other action needed to be taken and we were good. Early XXXX I started getting calls again about a late payment and I requested to speak to a XXXX for clarification. They submitted what they call a " call review '' which they pull the recorded conversation and confirm what the issue was. Today, XX/XX/2023, I was told by one of the representatives they will not fix the late payment on my credit but I can certainly apply for a hardship to get the payment pushed to the end of the loan but will affect my credit. I mentioned to the representative this was an error on their end and because the first representative didn't take the right steps to notify us about the issue initially they put the incorrect account info now we are stuck with a late payment on my credit. She mentioned the only thing I can do at this time is file at complaint with the FTC and hope for the best.
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I places an order ( # XXXX ) with XXXX XXXX on XX/XX/XXXX and original delivery was pushed back 6 months. I paid {$4500.00} and expected it to arrive by XX/XX/XXXX. This order was deliberately labeled as canceled ' on their website, without my action or acknowledgement. No refund or products were delivered. Basically, by end of XXXX, XXXX XXXX and their representative assigned to my account ( XXXX XXXX ) were sending email updates about building my sofas ( see attached ). XXXX was expected by XX/XX/XXXX. In XXXX, a letter from the XXXX arrived, apologizing for delays. By XXXX, I started emailing and calling XXXX but never getting hold of her ( see email auto replies ). She was able to reply to XXXX of my emails, letting me know that additional updates on XXXX were coming in XXXX. She never came back from the holidays. The last time a date was posted on my account was for XXXX, but that is no longer visible. They never issued a refund and I've tried refuting the charge, but 53rd Bank won't dispute the charge. they allege that a dispute can only occur within 90 days after the purchase date. XXXX XXXX was updating me with order status well past the dispute window by my bank. The 90 days period set by the bank to allow retraction of charges must be waived because that is basically fraud by the company. Thats how most of the affected clients got their money back ( according to an existing XXXX group page ). Additionally, affected clients were instructed to submit a claim with XXXX XXXX, an equity company in charge with the assessment of benefits. I submitted a claim and was told to wait for resolution by the end of XXXX of this year. I have called XXXX XXXX on both of their numbers, ( XXXX ) XXXX and ( XXXX ) XXXX, for a follow-up and was told that XXXX XXXX concluded that they will not refund. XXXX XXXX is currently an active business sending me marketing emails and promos. I called their customer service ( XXXX ) and their representative ( XXXX XXXX ) let me know that only the name was sold to the current firm ( XXXX ), not the financial responsibilities. General XXXX XXXX XXXX ( XXXX ) and XXXX XXXX are now offering me 30 % off if I place a new order. I feel utterly offended. XXXX sorry but how is this not fraud? I understand my accounts should be protected from fraud
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Working with fifth third bank I submitted to them an application for a physician loan 0 % down. I was approved for 10 % down due to credit score being one point lower than their requirement in the context of having on a big trip and having a large credit card bill due to an international trip. Spoke with a lender at that time who advised that they could re-run my credit score and would be able to then upgrade to 0 % down. Re-run credit score, but read it prematurely so the number was still the same. At that point sent to underwriting with 10 % down. I clarified with the lender that rerunning the score would still be a possibility and that a 0 % down loan would still be a possibility even after signing paperwork and submitting payment. The loaner guaranteed over email on XX/XX/XXXX that 0 % down would be guaranteed if I were to present a higher credit score. At this time I paid for my own credit report, which was at that time XXXX points over the requirement for 0 % down and resubmitted this credit score. Lender did not answer emails for myself and my real estate agent regarding adjusting loan terms or regarding other issues such as appraisal. Eventually, due to persistent lack of response from lender reached out and got in contact with his boss. At this time now 2 1/2 weeks after their agreement to still honor, the 0 % down, assuming the credit score had increased, and after having paid them. Supervisor at this point says it was against Bank policy to have ever run a second credit score and a third one would not be run. Recommended that I submit an appeal to get 0 % down loan not understanding that already it had been approved by prior lender and this is an over {$25000.00} expense. Set it at XXXXXXXX XXXX the Friday before closing, which is on Thursday in a state that requires XXXX hour turnaround before signing contract that it had been approved only at 5 % down. The 100 % was not able to be granted as an exemption after being explicitly, provided to me in writing that increasing my credit score was the only requirement to do this. Secondary to this set an a requirement for additional money gift loans in order to be able to get this money and documentation of all of the above again 15 minutes before the bank closed on Friday when all paperwork must be submitted on Monday. Despite multiple phone calls to both loaner and supervisor, nobody has been willing to address my concerns or attempt to problem. Self persistently insist that they will not violate bank policy while they have persistently been violating policy and have already run her credit score twice even though it's supposedly been their policy for over a decade to never run it more than once. Unwilling to refund money, provided with initial loan terms for their services based on genuinely held belief that they were offering me a 0 % down loan and unwilling to work with me to provide any sort of financial or material compensation, given the fact that my closing is likely to be delayed, and I am likely to have to pay funds for a hotel in the time while I'm waiting for the closing, and hopefully do not lose the home. The supervisor I speak to repeatedly says he understands my position or that their behavior was not acceptable that he apologizes that this occurred, but has made XXXX genuine effort to resolve the problem. Despite the fact that he says, he's working on, it is unable to offer a suitable solution. After appeal fails, then says oh maybe I will go to the senior manager on Monday when the senior manager should have initially been the one to be involved in the situation when responses were not occurring. Overall lack of concern, and regard for the position that they have placed me in, and for the fact that they granted me permission to have one sort of loan in writing, and then pulled back. Effectively misrepresented their company, their policies and the risk they were asking me to take in order to collect money and make a sale. If you were not able to get a resolution, legal action is next.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have filled out Modification paperwork two times first on XXXX. And again on XXXX. And as of today XXXX I have not received any response from the bank. I was defrauded by Fifth Third Bank. Contacted The OIG they opened a case File # XXXX on XXXX XXXX days later XXXX at XXXX the bank went to XXXX XXXX and Removed the lean from my property, However now they are 20 months later still NO solution delaying an answer for my modification making it more probable for the bank more fees charged and interest increasing the amount to the Bank. This is a Predatory Practice and Im asking for Help!
Company Response:
State: IL
Zip: 60423
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is in reference to Account XXXX. XXXX at Fifth Third Bank. Day before yesterday, it was brought to our attention that our account balance of {$41000.00} has been wiped clean, account closed and turned in to collections some months back. Please note that no transaction was authorized by us from the account, neither did we know about this situation or we would've bought this to your attention earlier. We have been preferred banking customers at fifth third and have maintained high balances for a very long time. For something like this to happen is not just mind boggling but also extremely stressful. As I report this, I can not describe the amount of worry and mental agony this misfortune has brought to us. we called in to customer service trying to get into online banking as we have been unable to access the account online for quite some time. At the call, we were transferred to collections and then back and forth between fifth third customer service reps and collections with no explanation as to how something like this can happen. We also reached out to our branch manager at XXXX XXXX, MI via email to find out what happened, hoping to get some help and doing so again. How can transactions occur from the account without our authorization and how can an account be closed so quickly without our knowledge? At the moment, we have been informed by fifth third bank that company named XXXX XXXX XXXX had pulled money from my account using ACH. These transactions were not authorised by us nor did we have any information about these transactions until yesterday when we got to know about these transactions. YEAR XXXX : - XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX over draft fees YEAR XXXX : - XX/XX/XXXX. XXXX over draft fees XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX overdraft fees XX/XX/XXXX. XXXX overdraft fee XX/XX/XXXX. XXXX overdraft fee We really need someone to look into this matter and help us out. Truly believing that humanity still prevails and hoping we can get some answers as well our funds. Account owners : XXXX XXXX & XXXX XXXX
Company Response:
State: MI
Zip: 49315
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Dividend finance is the company who financed my solar panels. We applied for solar back in XX/XX/XXXX, but from getting them installed took months, so we actually dealt with the company installing the solar panels which took months, because of county permits, etc. So by the time panels got installed it took months after we signed paperwork back in XXXX. Panels finally got installed and we wouldn't start paying until 60 days after installation before payments would begin. Dividend company didn't even send a prior notice n it notification, payments began but when they began I didn't even remember who the finance company was at this point was anymore. By this point in XXXX I just noticed " dividend 102 '' with money missing in XXXX, at this point and XXXX from my bank account and I flagged it as unrecognized, in which XXXX XXXXXXXX XXXX put in an investigation, because they didn't know who Dividend 102 was either and usually they have more information regarding names such as " dividend 102 '' that were automatically taken out as payments, or they can give me a phone number, but nothing was showing on their end either, so no phone number, address, nothing. After a week of investigation which by this point is, late XXXX they determined in my favor and returned the money to my checking account ... Days pass that's that's when XXXX XXXX notifies me of my credit score going down XXXX points and who finally gives me the information I needed to finally reach Dividend, and put together who Dividend,102 was and finally I was able to reach out to them, catch up on my account immediately in the beginning of XXXX, I even payed XXXX early. I tried speaking to supervisors, different representatives and see if I could be forgiven for all the misunderstanding, and up until now they do not want to help me resolve this. The main reason I am so skeptical with weird transactions, I was a victim of identity theft 7 years ago, and I have proof of that, I even have my credit frozen in all 3 credit bureaus and have to unfreeze my credit when I have to for sure situations, I really take care of my credit. My XXXX credit went down the drain because of this company, XXXX points! While XXXX and XXXX are in excellent standing in the mid 700 's. Dividend didn't even bother to send me a statement before my first charge in XXXX, XXXX, or even XXXX... I barely received my first statement in XX/XX/XXXX, and I received them both thru email and text. I explained the situation to dividend finance and even sent paperwork explaining how and why the confusion happened, even a letter from XXXX XXXXXXXX XXXX, it wasn't that I was deliberately late, I'm never late to any of my credit cards, mortgage, etc.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi, I have multiple credit cards with Fifth third bank. I have alerts set up to email me when I have a statement or bill payment due. One particular card I have with fifth third that is set up with alerts was reported as a late payment. I never received a statement from Fifth third or an alert that there was a balance. Either by regular mail or email. I have offered to show Fifth third the search history for that card in my email and they seam to be uninterested in resolving. I currently still have this account set up with alerts and have confirmed with Fifth third but yet to this day i don't receive any statements in any form from them. This is a rarely used credit card and it was used by accident or this issue would not have been found. I have 2 cards with similar names on them. One is used often the other in question rarely. I can them to send me a statement in any form automatically. I have 4 cards currently with Fifth third and I receive the statements 3 monthly. Not the XXXX. These cards statements do show up with the last 4 digits of the card in the subject line. I have called and spoke to many different people at Fifth third and get a different answer each time. They do acknowledge I have alerts set up correctly bt cant explain why I dont recieve statements. Each person claims they will call me cback and it never happens. I have never had a late on any credit report andthey are reporting me as late. This balance was paid off when i found out. I want this late remoeved from my credit report. that is all I am asking for.
Company Response:
State: IL
Zip: 60126
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have received an alert from XXXX about a hard credit inquiry by Fifth Third Bank. The alert indicates that a potential lender or creditor ( Fifth Third Bank ) pulled a copy of my credit file. I did not apply for any credit with any creditor. Therefore, this credit pull is fraudulent.
Company Response:
State: OK
Zip: 74074
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I went to the atm on XXXX, at XXXX XXXX. I was supposed to get a withdrawal of XXXX but they only gave me XXXX. They took the whole XXXX from my account and I didnt receive the money from the atm.
Company Response:
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A