Date Received: 2023-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third Bank purchased and took over my mortgage on XX/XX/XXXX. They did not have proof of flood insurance, so they placed flood insurance on our property. We however did have flood insurance through our XXXX. We provided proof in XX/XX/XXXX, but the insurance agent only sent over proof for a few months. We we had the insurance agent send over proof for the remaining months. Fifth Third Bank has indicated they will not send the money back, but instead apply it to Escrow, for which they claim we owe more money. However, after walking through the situation with help representatives, they come to realizes they actually do owe us the money back. I've ordered two escrow analyses ( one in XXXX and one in XXXX ). However, the bank is still refusing to pay us the amount we over paid. When I speak with someone from Fifth Third 's insurance department, they tell me we have been credited back the {$4800.00} ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). But to their surprise ( Fifth Third 's own insurance department employees ), the two payment amounts reimbursements are showing up on our statements. So, the bank says here is this product ( insurance ) that is XXXX. We say " no thank you '' we have insurance. Please give us the money back. The bank says no. Escrow tells us it's an insurance department problem. Insurance department tells us it's an escrow department problem. I am filing this complaint on XX/XX/XXXX. Fifth Third Bank has kept our {$4800.00} for three+ months. I am on the phone with Fifth Third and they still refuse to send the money back to us. PLEASE HELP. {$4800.00} is a lot of money my family could have used to avoid financial hardships. How do we get our money back? How do we get reimbursed for financial damages caused from Fifth Third retaining money they should have not retained?
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Financial Institution : Fifth Third Bank, XXXX, XXXX In XX/XX/2022, I called the XXXX # provided to me in my bank statement to dispute an unauthorized charge on my credit card statement from XXXX XXXX for {$160.00}. 53 Customer Service, cancelled the card, issued a new card. But " FORGOT '' to complete their procedural steps to mark the charge as disputed. They applied numerous late fees and the worst part is reported it on my credit history. Due to this, I am having numerous hardships- denied access for mortgage pre-approval, higher auto insurance costs and so on. It has been SIX months and they filed another dispute but that was denied stating it was beyond the time allowed to dispute. They new tell me it has been escalated. It is difficult to good customer service. Their customer service agents DO NOT follow their procedure and cause undue hardship. I am now forced to take time off from work, loss of pay, and physically go to a XXXX bank location to talk to someone.
Company Response:
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I accepted a balance transfer offer from this Fifth Third Bank credit card on XXXX XXXX XXXX Terms of the balance transfer were for a 5 % balance transfer fee, which amounted to {$950.00} on a {$19000.00} balance transfer. The offer was for 0 % interest on the balance transfer through XXXX XXXX XXXX My second bill showed a {$15.00} interest charge on the fee portion of the balance transfer, which was deemed a " purchase. '' But this was not a purchase, it was a fee charged by the bank for the balance transfer. When I complained, the fee was waived. My third bill came back with a {$14.00} interest charge, at which point, a representative said the interest charge could not be waived. After escalating, that fee too was waived, but it's clear that Fifth Third intends to keep charging interest on the remaining fee portion for as long as it takes to pay off the balance transfer. The balance transfer fee is not a purchase, and should not be subject to the card 's purchase interest rate. No other credit card provider that offers balance transfers attempts this fraudulent practice. As it appears Fifth Third is steadfast in trying to charge interest on the balance transfer fee, I am filing this complaint.
Company Response:
State: OH
Zip: 45103
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I requested 5/3 Bank to wire my savings to XXXX 3 weeks ago. The transaction was not successful since the money never showed up on my other account. But 5/3 doesnt know where the money is. Theyre trying to track it but still nothing after 3 weeks!! I have provided them with all the documentation but not even a partial credit has been given to my savings account.
Company Response:
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/23 XXXX am I received an email that a XXXX transaction from XXXX had occurred. Immediately on the morning on XX/XX/23 I took the time to call XXXX and inform them that it was not my transaction and start the process of shutting that card down and filing a dispute. The individual shut down my card however, told me he could not assist with my dispute, I had to wait for the item to post and then call XXXX. XX/XX/23 XXXXXXXX pm I finally took time out of my busy day ( XXXX ) to call the number provided to file my dispute. However, the process was not as easy it sounds, after trying to verify myself in their phone system and then speaking to XXXX individuals, who it was not their job and they needed to transfer me, it took XXXX plus minutes and I gave up. It sounds silly to file a dispute for XXXX cents and to file a complaint with the CFPB over XXXX center, but I have to wonder if they treat all of their XXXX XXXX claims this way, do they make it difficult so you just give up. Well I am giving up and the XXXX cent experience is costing XXXX a customer. You see my money sits there earning very little interest ( in todays rate environment ), so my next move with XXXX will be a visit to a local branch to close my accounts and move them to a bank with an attractive offer. Had my XXXX cent experience been a pleasant experience then my accounts would have remained there costing them very little interest. I know I am not their " BIG '' depositor but I do talk banking in my circles and I will share my story.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had {$2000.00} of money stolen from me from Fifth Third Bank by XXXX XXXX. In XXXX, my XXXX checking account was hacked and I STILL DO NOT have my money back. The hacker used XXXX to steal from my account and XXXX refuses to return what was taken from me. Other Transactions were attempted and declined because they took time to contact me to verify. My online ID and password were changed several times back to back and then there were TWO separate {$1000.00} XXXX transactions allowed by their secured systems even though they were never approved by me. I contacted the bank immediately and the claimed the account would be locked. I filed a police report, printed out my verification text messages/phone calls as evidence that I DID NOT authorize the XXXX transactions coupled with filing a chargeback with Fifth Third. They declined the initial claim and it was reopened on XX/XX/XXXX. I was told a decision was required within 30 days which has passed and they do not have answers. I have been a loyal customer of XXXX Bank for over 25 years. I still dont have my money back and it is XXXX. This has caused so many issues for me and my family! Returned payments, etc. I went into my branch multiple times as well. 2 {$1000.00} transactions were sent to a XXXX XXXX who I do not know, with a phone number that isnt active. -
Company Response:
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied in person with 5/3rd Bank for a XXXX XXXX XXXX advertised as low documentation. It requires a Stated Loan Application. My business is located in GA. 5/3rd wanted me to have a GA drives license even though I'm a XXXX licensed in GA, with a home in GA and a business duly registered in GA. XXXX also underwrites the bank and must be cited in this process. I applied in person with a bank manager on XX/XX/XXXX at a branch in XXXX, GA. I for the decision XX/XX/XXXX I was told the application goes through firms within 5/3rd and other entities. 5/3rd did not ask for my bank statements or tax returns. I was also told that the loan could be considered if I have a dual driver 's license in GA and XXXX, where I also have a home. This is illegal to have two drives licenses. This is a deceptive and misleading loan process.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/2023 an unauthorized transaction was made on my account in the amount of {$1600.00}. I was unaware of this transaction until XXXX XXXX. Once I became aware I contacted the card issuer ( My Wisely ) to start a fraud claim. The card issuer stated they would send out a replacement card and fraud paperwork to complete my claim. I received a new card in approximately XXXX days. I contacted the card issuer again on XX/XX/2023 because I had yet to receive any paperwork. The phone representative stated that the paperwork is sent from a different department and usually takes XXXX business days to arrive. I inquired about receiving the paperwork by email and was told that was not an option and I should get it in the mail soon. I was told the dispute process was already underway and could take up to 90 days to complete. On XX/XX/2023 I received a letter stating that " The investigation has been finalized and we've determined that there was no error. No credit will be issued ''.
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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 36 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 50 to 100 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. If they are not willing to Accept the new terms, I would like to cancel my contract and have the system removed. If you have any recommendations on how we should continue to pay or communicate with the finance company, which is dividend finance, on behalf of the solar panels please let me know.
Company Response:
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I did not authorize Fifth Third Bank to withdraw any funds. I submit a one time payment each and every month on the first of {$530.00}. Fifth Third, without my authorization, withdrew {$900.00} on XX/XX/2022, XX/XX/2022, and on XX/XX/2022. When I returned to the country and discovered the withdrawals, I notified Fifth Third and they admitted the error and on XX/XX/2022, they credited {$900.00} from the erroneous XX/XX/2022 charge. Fifth Third did not have any authority to withdrawal any funds from my account and did so without my consent or authorization. There are still two payments of {$900.00} that has not been returned. I did not authorize these withdrawals which has resulted in a financial distress situation.
Company Response:
State: MI
Zip: 48042
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A