Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have contacted XXXX and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. No one has provided any proof, not the creditors, not the credit reporting agency. XXXX, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX, I received a suspicious activity email from XXXX Third Bank. Someone tried charging XXXX XXXX tickets to my account in the sum of {$1000.00}. Fifth Third denied the transaction. Within minutes of that transaction, another charge was made through XXXX XXXX for {$270.00}. This transaction was not flagged and was allowed to go through. I reached out to Fifth Third and told them I did not authorize this transaction and wanted a dispute opened. When I did that, they canceled the credit card and sent me another one. When I looked at my statement, the new card number was already documented on my account and had a pending charge to it. I had not even received the card yet. I yet again called Fifth Third Bank and they told me when the first card was canceled it was not done correctly so when the new card was added into the system, subsequent places such as XXXX XXXX was sent the new card number. So they canceled the second card, including the ability to send updates to other systems and sent me a third card. Now they are denying the my dispute and asking that I pay theXXXX. The documentation they sent that was provided by XXXX XXXX clearly says NO CVV, address or zip code was provided. This is not a charge I made and my identity was not confirmed.
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: PLEASE SEE MY LAST COMPLAINT WHICH HAS NOT REACHED A FINAL RESOLUTION : XXXX 5/3rd Fiasco : Hardship application website - been to this and submitted the requested documents. Was told someone would get back to me. One person did in XXXX. I called him back but never head back again. - XXXX on XX/XX/XXXX Ive called during normal business hours and after business hours - no one has replied or responded besides XXXX. XXXX - left message XXXX - left message XX/XX/XXXX - left message XX/XX/XXXX - spoke to XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - New trial program started ( starts in XXXX ) {$1200.00} for 4 months - XXXX is last payment - Loan will become a 40 year loan, should stay at {$1200.00} XX/XX/XXXX - left VM about payment XX/XX/XXXX - XXXX said Im good about missed payment and that they would debit the account again XXXX - XXXX. Got ta do everything all over again XX/XX/XXXX - Submitted new hardship application XXXX - Spoke to XXXX. She said they have my application and that someone would be in touch with me. She said to call every so often because they XXXX at their jobs. XX/XX/XXXX - Escalated with complaint - XXXX helped <3 Sending in more paystubs & room mate agreement. XXXX is single point of contact ( apparently ). XXXX was the first person to offer the complaint department today. XX/XX/XXXX - Sent everything above XX/XX/XXXX - XXXX explained whats still needed and that the foreclosure date has been moved out. They acknowledged the mistake of giving me incorrect information back on XX/XX/XXXX. Need to send two things to them listed in XXXX email to me. I sent documents immediately after call. XXXX - left voicemail, asking if they needed anything from me XX/XX/XXXX - called to return some calls I had missed from them. Left VM asking for call back. More phone tag. XX/XX/XXXX - spoke to XXXX about nothing. More of the same dysfunctional XXXX. Told me to call sooner in the day. She notated my account with the same information as last time I imagine. Also left a voicemail for XXXX in the complaints department. Phone call got dropped. XX/XX/XXXX - Filled XXXX ear with all of my complaints. Spoke to XXXX on a second call and got clear on the P & L document issue XX/XX/XXXX - spoke to a guy. He talked to XXXX and XXXX said my file was complete as of now and to sit tight. XXXX - left voicemail asking for call back XXXX - XXXX to XXXX again XXXX. No new information. Theyre still reviewing things. Filing complaint with CFPB today and contact XXXX XXXX about proceeding with her help. Current foreclosure date set for XX/XX/XXXX XXXX - got package XXXX - called and got XXXX but asked for XXXX. XXXX on call back from XXXX. XX/XX/XXXX - Call center person called me and said that I wanted to talk to XXXX or XXXX. Called XXXX back immediately after. Good progress on getting my stuff sorted out. XX/XX/XXXX - XXXX called and left a VM. Called her back and left a VM. XX/XX/XXXX - sent loan modification documents in XX/XX/XXXX - more phone tag with the single point of contact department as well as left XXXX a voicemail XX/XX/XXXX - called with no answer or VM option XX/XX/XXXX - called with no answer or VM option XX/XX/XXXX - received call from Customer Solutions Department. Was asked if I wanted to arrange a payment with the agent. This is the first Ive heard from 5/3rd since I sent the loan modification docs in. Still absolutely dysfunctional. The amount I was asked to pay also was about {$200.00} over the amount that the loan modification documents said it would be. The person I was speaking to clearly had no idea about what has been going on with my loan.
Company Response:
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Fifth Third Bank is who this complaint is for. I went to deposit my money to that ATM on Friday XX/XX/XXXX at around XXXX pm. Their ATM stole my money and did not deposit it into my account. A reciept was printed instructing me to go inside and speak with a bank teller. When i spoke with the bank teller they did a dispute and said the money should be into my account within 24 hours. I called the next day because I woke up and the money is still not in my account. It was {$450.00} deposited that I needed for my bills that I known longer have access to. The bank claims they should have had the ATM company come there on Tuesday XX/XX/XXXX. But nothing was done. Ive called multiple times and no one can give me an answer as to where my money is! I just need them to deposit my money so that I never have to use this bank account again.
Company Response:
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I had applied for Solar Panels with Dividend Solar Finance which was approved on XX/XX/XXXX. However, there is a second hard inquiry from Dividend Solar Finance on XX/XX/XXXX which results in an increase of the hard inquiries on my account. Same for XXXX there was one inquiry on XX/XX/XXXX and another one on XX/XX/XXXX. I only authorized 1 inquiry same for XXXX. Inquiry date XX/XX/XXXX and another one on XX/XX/XXXX all the above are duplicated and have a negative impact on my inquiry count.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had {$3900.00} stolen from my account on XX/XX/2023 held by 5/3 bank. I was told the money would be returned to my account in a recorded phone conversation by 5/3 bank twice. Today after many attempts reaching out to my local branch and XXXX number was told because I didn't report the fraud in 24 hrs. that my money would not be returned and it's my loss. What business reconciles accounts every day?! I put my money in the bank because I expected it to be safe.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX my checking account was debited for 9 transactions all to XXXX for the following amounts : {$3100.00}, {$3600.00}, {$1900.00}, {$1700.00}, {$1700.00}, {$1700.00}, {$1700.00}, {$1600.00}, and {$1200.00}. I immediately called fifth third and reported this as fraud and that I did not approve these. I was told that they are all pending and will fall off due to me closing the debit card due to fraud. That night at midnight the entire {$18000.00} was removed from my account, it had drained my checking and due to overdraft protection, it started to pull from my savings. I went into my bank asking questions, they instructed me to open dispute cases on these transactions. They would in turn place a hold on the account and place a negative {$500000.00} dollar amount in the account to alert any teller it was under fraud investigation if a debit was to hit. The following case files were opened XXXX, XXXX, XXXX, and XXXX. I was then informed I would be granted a provisional credit of {$18000.00} in 8 days in order to pay my bills and accomplish daily activities. These 4 files were only open for a few days, with no phone call or communication I called fifth third fraud department to ask the status, I then find out that these files were all denied due to the fact that I had prior interaction and dealings with the vendor that was tied to the transactions ( XXXX ). Think about that for a minute, I then explained how ignorant that reasoning was and demanded a supervisor. At this time, I was advised by a bank officer of Fifth Third by the name of XXXX XXXX that I should call the police and obtain a police report. I obtained that report immediately ( Case # XXXX ). My 4 cases were reopened on the XXXX of XXXX, I was told that the provisional credit no longer applied to my case because it was originally denied, fifth third now explained that they have 30 days as of the XXXX of XXXX to give me an answer as to if my {$18000.00} will ever be recovered. I was then asked to submit any emails or proof from XXXX that this was fraud. My XXXX account was hacked, and 2 step verification had been turned off, all contact info had been changed, when I call XXXX, they then ask me to verify my account, I am unable to verify it's my account because all credentials have been changed. At this point I am getting junk mail from XXXX stating that the product purchased is unable to be shipped due to no payment form on file because I cancelled the card back on XX/XX/XXXX. I can see the items and the online store they are being purchased from. I printed these emails out along with the police report and sent these to Fifth Third. Now it seems we wait, without any phone calls or communication I go back into my local branch only to find out that nothing has been done, it is now XX/XX/XXXX. I am working with a local representative in the bank by the name of XXXX XXXX, he has called the fraud department on speaker with me in the room the fraud department informs him that no paperwork or emails have been received from me. As stated earlier in the report here back on XX/XX/XXXX numerous items were sent to Fifth Third Fraud department, in fact they were sent to XXXX with case # XXXX in the subject line. This Fraud department rep that XXXX and I are talking to on speaker goes on to explain they do not have this info. I have read reports in my email to prove they were accepted on the XXXX. XXXX then asks me for all the copies, he then scans them in and re-emails them to XXXX including the police report. I am then told again that I have 30 days as of the re-opening of the files on XX/XX/XXXX to sit and wait, in the meantime the provisional credit that regulation E states I am entitled to put forth by the Federal reserve board is still being denied to me based on the fact that I have had prior interactions with the vendor in question, ( XXXX ). It is now XX/XX/2024, XXXX calendar days from the fraudulent transactions that hit my account at Fifth Third and no communication from Fifth Third to me informing me of any efforts to recover my money. I am issuing this complaint due to the fact that Fifth Third did not follow policies set forth in Regulation E from the Federal Reserve Board to protect consumers and banking customers as myself that use EFTs to transfer money.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX I received an alert from XXXX that an attempt to open an account with Fifth Third Bank was made. I waived this as not an account I attempted to open. On XX/XX/XXXX, I learned from a Fifth-Third Bank representative that a business account was opened on XX/XX/XXXX using my name and social security number. The representative would not provide any further information citing that I was not the person who opened the account, despite that it was opened using my personal information. Several attempts have been made by XXXX to intervene on my behalf and Fifth Third Bank has refused to acknowledge my notarized POA to XXXX, or provide any information. On XX/XX/XXXX, I was on yet another call with Fifth Third Bank and XXXX and they still refused to provide any information regarding the fraudulent account. The amount of damage to my credit is unknown as Fifth Third Bank continues to protect the criminal and due to several notices provided, is complicit in this ongoing fraud.
Company Response:
State: PA
Zip: 15241
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: - vehicle total loss XX/XX/2023, which constitutes a material change in the consumer finance contract. - lump sum insurance payment to lender XX/XX/2023 left deficiency on loan. - NC contract law requires notification of deficiency following such material change - NO notification of deficiency was provided by lender, therefore the deficiency was unknown to borrower ( me ) - as soon as deficiency was made known to borrower ( 60 days after the fact via adverse reporting to credit bureau ) payment was immediately rendered to lender
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I called 4 different times to open a merchant dispute but the system didnt allow to access without SSN, and when I tried to bypass that requirement after more than 20 minutes waiting nobody answer. I need to dispute these 4 transactions as merchandize not received. XXXX ) XX/XX/2023 {$91000.00} XXXX ) XX/XX/2023 {$91000.00} XXXX ) XX/XX/2023 {$90000.00} XXXX ) XX/XX/2023 {$90000.00} I went to the store in person to buy 4 smartphones XXXX XXXX XXXX, at the moment of the purchase the store didnt have on stock those smartphones so they add for free the delivery service by XXXX XXXX The expected delivery date given was, no later than XX/XX/2023 I never received the package, and I tried to reach the merchant to request the tracking number or shipment information, the status or even the refund or replacement. But was impossible, nobody answers. Please proceed with the merchant dispute as merchandize not received. Thanks
Company Response:
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A