Date Received: 2023-06-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my Fifth Third Bank Credit card. XXXX XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my Fifth Third Bank Cred Card account XXXX Fifth Third Bank re-aging the account by reporting the incorrect date of first delinquency. Now two years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and Fifth Third Bank refused to investigate properly and correct the erroneous information.
Company Response:
State: IL
Zip: 60030
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have been trying to close my 53 bank account for arround 2 months now. I have been unable to transfer my funds out, as I need to get the balance to XXXX prior to submitting the account closing request. Initially, I was living in XXXX and didn't have access to the phone number on file. I was finally able to get the phone number changed. I transfered out {$2000.00}, but that placed a security flag on my account. I called and they removed the security flag. I have been trying to transfer out {$2000.00} a day, but each time I try doing the transaction it gets flagged and they tell me to call customer service. I call customer service and they tell my to try again in XXXX hours. I just want to cancel my account and get my money back. It shouldn't be this hard!
Company Response:
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Money was not available when promised
Subissue:
Consumer Complaint: on XX/XX/2023 I went to my local 5th 3rd bank on XXXX XXXX, XXXX, IL and requested {$1200.00} to be wired to my cousin 's bank account in XXXX so he could pay my property taxes for the home I have there. The wire transfer was returned due to the local bank had input the wrong bank account number and XXXX number even though they had the printed document from my cousin 's bank with all the proper information. I found this out because my cousin said he never received the money, so I looked at the receipt the bank gave me. I called the bank and they looked into this and told me the wire was returned. I told them to cancel the wire as I had to give my other cousin who was out here visiting a check for {$1200.00} to give to my cousin so he could pay the taxes on time. Then at the end of XXXX the local bank called and wanted me to verify the bank account numbers, at this point I told them to cancel the wire, again, which they said they would do, then in XXXX I receive notice that they wired the money again, and it went through, I was upset as I told them to cancel the wire, which again was never done, I let my cousin know to watch for the money and to date, he has not received the {$1200.00}. I have tried multiple times to resolve this with the bank through their wire dept and dispute department, but no resolution, pretty much, I am out the money and they can not provide any documentation or information on their research that lead to them denied my dispute as to where the 2nd wire went, who did it, etc., no swift report, etc., and said I can not have copies of these documents. I asked to be transferred to their claim department to file a claim under their Errors & Omissions coverage as this was their mistake originally providing the wrong bank information as well as I did not authorize for them to put the wire through again and was never given any receipt for the 2nd wire transfer and I was told they don't have a claim department. So here I am out {$1200.00}, this is a major loss for me as I am XXXX XXXX XXXX with a very limited income. I am beginning to think that the local bank may have taken the money as they would not do what I told them to do and they keep trying to cover up their mistake. Time to look for a new bank!
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
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: I went to a concert event in XXXX on XX/XX/XXXX. When I paid for parking, the following Tuesday I noticed 2 payments posted to my account for the same amount. I called to dispute one transaction. 2 weeks later, I received a call saying that they need a receipt. The original parking place never gave me a receipt. I called my bank to advise them and they told me that they will not move forward without a receipt. After asking for a manager, the bank representative hung the phone up in my face. I called back and after a 30 mins hold I finally got a manager. The manager was not helpful at all. He basically wanted me to call the company again, even though I had no success the first time, and try to obtain a receipt. He refused to stay on the line, or even 3-way the merchant. Also, I don't understand if I was charged twice why a receipt would change anything. They advised me that they will not review my case until a receipt is provided. Even the manager at this point was trying to get me off the phone as he pushed me back to the merchant. Finally I opened a 2nd case as one transaction was done in XXXX florida and the other transaction was done in XXXX Florida. I have no idea what the XXXX transaction is as I was in XXXX during the timeframe and live in XXXX florida. Fifth Third needs to do a better job with assisting consumers with fraudulent transactions and not rush them off the phone.
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: We utilize a checking account with Fifth Third Bank solely to process our mortgage payment. We use an outside credit union for our day-to-day banking. We deposit funds into our 5/3 checking from our other account on a monthly basis. Because our mortgage amount changed due to changes in our escrow fund, our account with Fifth Third became negative {$6.00}. Once I realized this, I submitted a transfer from our credit union to Fifth Third that took 1-2 days to process. They charged us an overdraft fee of {$37.00} the night before our deposit posted to bring our account current. Because I do not regularly check our Fifth Third account, I did not know about the additional weekly overdraft fees nor did I ever receive an email notification regarding the fees being posted to our account. When I called to explain the situation and told the customer service representative that I made my account current as soon as I noticed it and if the initial overdraft fee hadn't been charged, then I never would've received any additional fees. They told me they could remove the {$37.00} fee as a courtesy and one of the {$25.00} weekly fees but could not refund the 3 other fees. My point was that, had they not charged the initial overdraft fee, the other weekly fees never would've happened. I even had alerts set up to receive via email. I am upset about the 3-additional fees they charged and refuse to refund because " it's their policy '' to only refund 1 per 12-month period even though I've been a customer in good standing w/ our mortgage for 13 years! The bank also returned my most recent mortgage payment because my account did not have sufficient funds even though I sent them my monthly payment due. But because of the weekly fees they posted, my account was below my mortgage payment amount so I had to go to a branch during work hours to make a payment to bring my account current and the branch customer service attendant couldn't do anything about the fees either.
Company Response:
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Beginning on XX/XX/2023, two different individuals without my permission or knowledge opened joint savings accounts with my name on them. They did this over the phone and then proceeded to transfer money from my 2 savings accounts and checking account. These fraudulent transfers totaled approximately {$36000.00}. The identity theft and fraudulent transactions left me with next to nothing in my accounts. These actions came to my attention when a received a Welcome to XXXX checking account promotional packet. On XXXX XXXX, 2023, I immediately made an appointment with my local banker and froze my accounts. Fifth Third initially said it would be resolved in 8-10 business days and then extended that to 30-45 days. The 5-3 fraud department has not been helpful in communication with me, their urgency to complete the investigation of my situation along with any financial alternatives.
Company Response:
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem with customer service
Subissue:
Consumer Complaint: I tried to deposit two checks from the US Treasurer for TSP withdrawals and at first my bank 5/3rd made the funds available. Then a few days later we noticed I did not have online access and our accounts were showing overdrawn by almost a millions dollars combined. Upon calling we were told the were returned for fraud and my account is being reviewed for closure. I verified checks by calling the TSP disbursement FBO. I provided a letter for payment confirmation from the TSP on the checks and my account is still under review.
Company Response:
State: MI
Zip: 48315
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I currently bank with 5/3rd bank. A collection agency sent a letter to my bank to verify if the account was verified as mine. Instead of the bank contacting the collection agency or mailing the collection agency, the bank froze all of my accounts. My checking and saving account was frozen for 2 months. This has caused a financial hardship in my house. I contacted the local branch but no one answered the call. I called the XXXX number to get understanding of why the account was frozen instead of just verified. The call center consistently told me to contact a judge or collection agency instead. I signed a {$300.00} agreement with the collection agency for them to send a release to my bank 5/3rd and open my account. Instead of giving the collection agency {$300.00}, the bank gave {$380.00}. I asked the bank why and they can not explain why the amount that was given is more then what was agreed upon. Also I contacted the collection agency and they only received {$300.00}. I have called numerous times asking where did the other {$80.00} go? No one from the bank can tell me. I have just had a recent transaction of {$300.00} from my account and again no one from 5/3rd can tell me why it has been taken. The collection agency has been paid off and now the 5/3rd bank has given away more money to the collection agency which they are paid off. I called the collection agency asking about the {$300.00} charge again and they have not received any money from my bank. I called the 5/3rd legal department and they tell me to call back in the morning because they close at XXXX but I called at XXXX so how are they closed? this has been a complete nightmare having 5/3rd as a bank and this is seriously ridiculous how no one can tell me where my money is going and why they can't help me. I need help asap because now my account is in the negative with no money to pay for bills. I also have every call recorded and will provide if needed for proof of lack of help and disrespect from certain customer service reps.
Company Response:
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was with XXXX XXXX XXXX XXXX. It was transferred without my approval to Fifth Third Bank. I received a letter in the mail on XX/XX/XXXX telling me the mortgage was transferred and to go online and create an account. I went online to do that and it said that I was unable to register and to call in. I called 5/3 on XX/XX/XXXX and they said the mortgage was not set up yet in the system and to call back on XX/XX/XXXX. To be safe I waited until XX/XX/XXXX to call back. They informed me that my cell and e-mail were not correct on the record. They updated my cell and said to wait 24 hours to call back to do a text verification. To be safe I waited 48 hours and called back XXXX XX/XX/XXXX where they told me it would take 14 days to activate text verification. I asked to speak to a supervisor who said she could not help me. After I asked for my mortgage to be transferred back she hung up on me. So three calls in and I can't register my account and pay my mortgage. I know I have a 60 day grace period but the process and customer service is terrible.
Company Response:
State: MI
Zip: 48236
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/23 I have followed up with this complaint that has been ongoing for the last XXXX months. Everyone in the bank divisions in the USA and abroad has been passing the buck. Some one used my information and opened an account with FifthThird Bank. I contacted the bank and explained that I was not aware of the problem until I received a statement saying that I owed money. I called and told the bank that someone must have committed fraud using my name and information. I asked them to close whatever accounts they have in my name and to not send me a replacement card or anything. I told them that I did not have a desire to do any business with their company at all.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A