Date Received: 2023-07-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: XXXX XXXX Two gift card purchases were made from XXXX fir a XXXX gift card needed in order to pre pay for XXXX account they told me I need to prepay because XXXX has teamed with them for this promotion. The XXXX scammers had there lines customer service exactly like XXXX, I would literally call and get XXXX customer service that was set up so well. I applied for dispute and was denied. Im so upset that I was manipulated and my bank did nothing to help me. I have kids and single working mom. I really cant afford to loose this amount. Please help me resolve this issue.
Company Response:
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I called the bank to report fraud under the claim number XXXX on my card ending in XXXX, all transactions starting on XX/XX/XXXX until the card was locked on XX/XX/2023. The bank provided provitional credit and approve all transactions except all were made on XX/XX/XXXX ( all in XXXX, XXXX ) a city that I never been. I was In XXXX and the card was lost but in XXXX. I reopened the case but until today I dont have any update, there are {$340.00} that must be reversed by the bank for fraud.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XXXX XXXX 5/3 bank transferred XXXX XXXX dollars to a person i did not approve of through a XXXX account. i never used a XXXX account, was not aware of it. i've tried for a month to retrieve my funds, & was told four times it would be redeposited back to my account. i've contacted the attorney general office, fifth third bank fraud department the comptroller of currency. repeated trips & calls to the bank spoke to twenty seven people at the bank but, my money has not been returned. they simply refuse to return my money. can you help retrieve my money please!! thx
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Bank account opened in person at branch in XXXX, FL in XXXX. I ( along with my attorney ) requested that no overdraft service is received because if funds are unavailable, I prefer insufficient funds notifications. From XXXX XX/XX/XXXX, I never received overdraft charges because transactions would be rejected as " insufficient funds '' and I would receive a notification. That is correct because that is my way of transaction verification and validation against fraud XX/XX/XXXX, XXXX XX/XX/XXXX ; I was travelling for medical reasons and my card is used for XXXX and other miscellaneous items while travelling. When I returned home, I realized my account was overdrawn by over {$700.00} to include charges and fees, and I never received any insufficient funds notifications. Over half of the overdrawn amount was due to the {$37.00} fees charged for each transaction. I contacted the bank, they stated it was " my fault '' for not keeping a ledger. I explained that I do not have overdraft protection, however they still stated the overdrafts were my fault and refuse to acknowledgement they arbitrarily assigned this product to my accunt without my consent because this services requires a customer signature and I never signed anything for this. I requested again to remove and disallow overdraft service. A week later, on XX/XX/XXXX, someone used my card and charged {$39.00} to this account and it was overdrawn a second time for the same period. I again called the bank, and I ordered a new card, but then was told I had to pay {$30.00} service fee for deliver. Mon. XX/XX/XXXX- Set phone appointments at the bank, they refused to contact me ; I then contacted the branch where the account was created, unable to get anyone to speak to me. Then spoke to a XXXX at XXXX XXXX who told me again, my failt and the bank does not keep ledgers for customers.
Company Response:
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/XXXX my husband and I signed a contract with some XXXX XXXX to have XXXX solar panels installed for our single family home. The home is occupied by myself and my husband. We have no children and no other persons living in the household. We were told initially that our electricity bill would take one to two months to adjust as our solar panels consume and store energy. However, in XXXX when we realize that it had not happened we reached out to XXXX XXXX XXXX. At this time, it is XXXX of XXXX and we were told that XXXX XXXX was no longer in business and that XXXX XXXX has since taken over. We had never agreed to switch companies or signed any paperwork with XXXX XXXX. As time went along, from the time span of XX/XX/XXXX until currently at this very moment we have had problem after problem in different aspects of this service. We were first told that some of our solar panels were not properly connected, then we were told that they were not reporting. After several months, a modem was added in XX/XX/XXXX so that the solar company could better diagnose issues regarding our solar panels and also monitor the amount of energy that the solar panels are consuming and the amount of solar energy that we are using. However, month after month we grew concerned because we are currently paying {$190.00} per month for the solar panels but we are also being stuck with an electric bill of an average of XXXX to XXXX and {$50.00} per month. The solar company initially expressed that they wanted to help, and sent us three reimbursement checks for the months that our solar panels were non-operational. What led me to reach out to you is the fact that, it has been almost a year and we do not feel that we are reaping any benefits from the solar panels. Despite several attempts to discontinue services with the solar company, no one has reached out to us in relation to canceling our contract. At one point I even offered that if they could reduce our bill, we would be willing to keep the solar panels if they can resolve the issues, still we had not heard anything back. This had been turned into them telling us that there were more reimbursement checks that were approved, but never signed by a supervisor and therefore never sent to us. They told us that these reimbursement checks were signed in XXXX and XXXX, but no one had approved them. I asked my electricity company to conduct an audit and they have suggested that under our specific circumstances, we really should not be having a electricity bill. I also asked XXXX XXXX to investigate, they told me that they would but that has not happened even though the request was put in 6 months ago. With efforts to reconcile, XXXX XXXX at one point " approved '' a reimbursement check for the months that my solar system was not working, however these checks were supposedly approved back in XXXX and I still have not received one. When questioned, they tell me that an inquiry placed to an escalations manager, XXXX. It is now XXXX, and this is still not resolved. Additionally, I had the company perform endless tests and troubleshooting options, to no avail. Additionally, XXXX has completed stopped communication with me. To make a bad situation WORSE, the representative told me that we would be eligible for a " solar credit '' when we filed our income taxes and we were to give the solar company that check of {$8000.00}. We NEVER received a solar credit. I spoke with the tax preparer who stated that we were not eligible according to the guidelines. At this time, my payments are {$190.00} per month for the next 25 years. On top of this Dividend finance is expecting me to now pay them an ADDITIONAL {$8000.00} by XX/XX/XXXX. Most importantly, XXXX XXXX told me that our system would cost {$40000.00} which I have proof of attached. When I received the paperwork from dividend finance I was notified at that time that the system was {$55000.00}. When I brought this up to XXXX, my sales representative, he let me know that it would be {$55000.00} and then I would receive a rebate check for the {$15000.00}, which I never did. The biggest problem that I am facing is the conflict between what XXXX XXXX told me and what XXXX XXXX told dividend finance. After investigating this, dividend finance also aware.
Company Response:
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was in a COVID relief forbearance program and was contacted in XXXX to apply for an extension. The extension was denied due to unknown reasons, and the letter sent did not clarify anything. I was rejected for no reason. I have tried calling the bank at XXXX multiple times, but I keep getting the voicemail because of high call volume. I have done my part trying to contact the bank, and no one has bothered to callback or tell me what needs to be done to work out or extend the COVID relief. The XXXX XXXX XXXX website says that I can not do anything online, and must call. I believe that the bank wants me to go into foreclosure instead of offering assistance that is mandated by FHA.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Ive tried to close my checking account after being assessed multiple fees. The bank is unable to waive the fees so I attempted to close the account and was told Id be charged {$10.00} for a cashiers check because they didnt have enough cash to close the account. After asking to keep the account open if the fees were waived, they refused and are still unable to close the account.
Company Response:
State: IN
Zip: 46037
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Getting the loan
Subissue:
Consumer Complaint: I procured a loan with Dividend Finance for a solar system with XXXX XXXX on XXXX XXXX. The loan is for {$32000.00}. The payments started on XX/XX/2023 and XXXX XXXX has yet to complete the solar system. I have contacted Dividend Finance and XXXX XXXX several times with no set date for finishing the solar project. In j that jest, I am paying for a job that has not been completed. It would be nice to have my solar panels working as it is XXXX degrees here in XXXX today
Company Response:
State: TX
Zip: 78750
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I changed my XXXX XXXX XXXX XXXX on XX/XX/2023 to save money as I am a XXXX, XXXX XXXX XXXX on a fixed income. On XX/XX/XXXX I received a refund check from XXXX, my previous insurance company for XXXX. My new policy is an annual premium for XXXX. My insurance provider suggested I contact my Mortgage company, Fifth/Third to see what I had to repay to escrow if anything. Upon contacting Fifth Third mortgage they started making statements I did not agree with. Specifically they said I had to give them the full amount of the XXXX! They put me in contact with an associate in the Escrow Department, XXXX on XX/XX/2023 to explain and continued with the full amount of the check is what they needed and paying them if I could from my resources would be best. At great duress I gave in and paid them from my personal account which left me quite low in my personal checking but I did deposit the refund check. The issue is if all I had to do was replace the insurance portion of the Escrow it should have been XXXX for a full year only. Taxes and insurance are collected monthly and should be in the Escrow account! But after review online of my account it appears they took all of the XXXX refund and utilized it my account with NO agreement from me or valid or any explanation that made sense. This is wrong and very shady. I still have no idea what they are doing or why. Again as you know taxes and insurance are paid monthly why would they devour the whole check? Why did they push, hard for the full check? Even the amount of XXXX would seem high to me as they have collected 6 months of insurance premium I should be paying them XXXX for the rest of the year which is crazy as well because again they collect taxes and insurance monthly. Per my account as of today XXXX it looks as though they've applied part of the check to an additional monthly payment on XX/XX/2023 I did not agree to. I paid my XX/XX/2023 payment on XX/XX/2023 and they've put the rest in curtailment? Help!! Something is very wrong. The Mortgage Company Fifth Third is giving me health issues my stress level is high they are making my XXXX XXXX shoot to way above normal. Also this Company calls, emails in an unreasonable amount before my payment is due monthly to the point of harassment!
Company Response:
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They said they said they sent legal documents from like 7 years ago to my residences then gave me locations that I didn't even live at. Then said well there is also another person on the account and of you settle for half the amount full amount was almsoylt XXXX that they would write me a letter and go after the other person instead then said if I pay by Tuesday I can pay only XXXX instead of XXXX, would not provide actual proof of the debt from the bank listed anything I questioned they would just get rude and hang up then said well since you know everything we will just sue you I asked for actual proof even contacted the old bank and the collections department they said it is a scam, he said if we are suing you we don't have to give you proof of the debt!! Person name was XXXX XXXX with XXXX out of ca then next time I called he said he was with XXXX XXXX XXXX
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A