Date Received: 2023-05-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have a had a personal and business account with Fifth Third for a few years. There were periods here and there that vendors would do automatic renewals that I did not request so I contacted the bank to get them reversed. The non-profit ( Business Acct. ) had a check from XXXXXXXX XXXX XXXX and I physically deposited the check. Several months later I received a check from XXXXXXXX XXXX XXXX in the mail. The feature for electronic deposit was available so I deposited the check. Fifth Third contacted me that the check was fraudulent, closed all my accounts, and contacted Early Warning Services. They have not given me any additional information on this, how to clear the matter up, or the like. My non-profit is suffering because I don't have an account for donations. If anything I am a fraud victim and whoever sent the check was setting me up for this. When I contacted XXXX XXXX XXXXXXXX, they stated that this has happened before. All I have is proof that I am in good standing with them ( XXXXXXXX XXXX XXXXXXXX ), and we have had no issues prior to this situation. I am also making payments to XXXX XXXX ( mentioned in the consumer report ), through XXXX XXXX. XXXX XXXX XXXXXXXX also instructed me to contact mail fraud division of USPS which I did.
Company Response:
State: NC
Zip: 28092
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2023 The judge allowed a Litigation Hold for XXXX XXXX XXXX XXXX to answer the questions to the foreclosure complaint filed last year. The XXXX XXXX XXXX has more than enough time to do so. Illinois Department of Housing Authority has been waiting for Fifth Third Bank , National Association to get back to them to bring my mortgage current and to bring the home association fees current but Fifth Third Bank , National Association continues to push litigation and will not respond to ILHAF. The people are running up the litigation cost and the judge is allowing it. I have no choice but to fight them. I am in court with a judge that knows what is going on and she is taking sides with Fifth Third Bank , National Association no matter what I present to her. Now the problem I am facing is that after ILHAF brings my mortgage current the litigation cost will be so much because of me continuing to fight the foreclosure in court. I should not have to continue to fight when Fifth Third Bank , National Association will not respond to ILHAF. I make more than enough money to pay my mortgage. I had options to prevent the foreclosure before Fifth Third Bank , National Association filed the Foreclosure. I am seeing nothing but XXXX people and the courts not following the law. There are no XXXX people in the courtroom. I am close to XXXX XXXX dollars in legal fees and counting. Fifth Third Bank, National I have contacted ILHAF and was told they would take notes but only could provide a letter to me. This is not fair to me. Illinois foreclosure laws are straightforward and not being followed. XXXX XXXX XXXX placed a lien on my property. Fifth Third Bank , National Association has already ruined my business by dinging my credit and taking time to fix my credit. Now they are not willing to settle my mortgage and continue to charge me litigation fees. I need help ASAP
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Fifth third called me without leaving a message. When I called back to verify my account the rep told me I had to make a payment before they could waive any fees for late etc. I called just a few days ago and spoke to a rep who waived the XXXX dollar fee and the previous rep I spoke with regarding my credit card told me that if I made the XXXX payment on XX/XX/XXXX no further late fees would be assessed to the account now they are telling me some different BS saying I need to make a payment before then. They should review the last three phone calls and coach their representatives accordingly because it seems like misrepresentation of marketing or fees which to me appears to be bank fraud to coerce me into making payments that I was told I could wait on.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was victom to fraud/scam on XX/XX/23. I thought I was purchasing items off of XXXX from a friend, however the friends account had been hacked so it was not them selling but a scammer. When I learned it was a scam ( within an hour of the transaction ) which was initiated through XXXX ( which is connected to my fifth third checking account i tried to cancel via XXXX but that showed a completed status and XXXX stated I needed to contact my bank. I contacted my bank as the transaction had not shown up. I informed them of what had happened and I wanted to get ahead of the situation before anything could be processed. They stated they could not do anything and I needed to wait until it showed up on the account and to call back the next day. I called the next day ( XX/XX/23 ) as it showed a pending status. I asked if I could do a stop payment and I was told stop payments didn't always go through and the best thing I should do would be to call back after the payment processed and file a dispute. I again informed them of every detail that had happened and wanted to know the best option/route to take for a fraudulent claim. They again told me to call back after the payment had processed and I could file then. I called again on XX/XX/23 after the payment had processed as i was instructed to do and tried to file a a fraud claim and was told I could not file a dispute because I initated the transaction and I needed to contact the merchant ( scammer ) to get my funds back. Fifth Third said there was nothing they could do, to which I don't understand why I was told to call back and file after payment had processed or to even try to contact the person who had hacked an account and, made a fraudulent claim to try to get my money back? I thought the banks were supposed to help in cases of fraud. I had even went and reported the case on the ReportFraud.ftc.gov website and gave the Report Number to the individual at Fifth Third. Hopefully with the paypal account that was provided they may be able to track down the individual and put a stop from this happening to someone else.
Company Response:
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I went to purchase a specific XXXX Travel trailer model XXXX. I used the suggested dealers bank to apply for a loan that was approved for the financed amount. On this day, I signed the purchase and loan agreement and took the travel trailer home. Come to find out, the travel trailer is a XXXX. I specifically wanted a XXXX or older due to the manufacturing and quality issued that were resulted form XXXX. The Bank funded the dealer for a travel trailer that I didn't sign for. I signed for a XXXX model and receive a XXXX. I tried to return the travel trailer and the dealer will not accept it and as a result, I will also file a complaint with the Federal Trade Commission. In the mean time, I have a loan under my name that I did not sign a loan for. I contacted the bank to advise them that they funded a loan without having a legal documented agreement and they said there's nothing we can do. I have tried to resolve an issue that the bank has created by not verifying the asset 's manufacture date and I have exhausted my avenues. I need the governments help with this case. I will attached the purchase and loan agreement as well as my communication with the dealer and bank that also mentions that this travel trailer is not functional.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card number was compromised back in XXXX XXXX and subsequently cancelled and a new card was sent. The company has continued to allow charges from merchants who had the compromised card number to post the charges onto the new card. I have cancelled the card 4-5 times now and received new numbers, and the company is still allowing these charges to post from the old number. It is still happening, even though I do not even physically have a card anymore. I have disputed all the charges and explained to them what they are allowing to happen, but they have taken no action other than to file disputes, to which I do not have resolution. I have been paying the interest and filing disputes for 8 months at this point.
Company Response:
State: CA
Zip: 92084
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I'm writing to you because I had received a letter from 53rd Bank dated XX/XX/2023, regarding the misapplied funds. The letter states " we wish to confirm that we have posted your payments according to your instructions '' wish it don't tell me nothing. I don't see anything posted as discussed with 53rd bank. The letter did not resolve my complaint because it is not detailing any amounts or a breakdown of what did they do with my {$2600.00}, I paid on XX/XX/2023, on escrow shortage. The escrow shortage was not {$2600.00} like I was told by 53rd by escrow agent XXXX, on XX/XX/2023, which I had paid so my monthly mortgage won't be so high. On XXXX XXXX, I called to follow up and I was told by XXXX that the {$2600.00}, was not applied because it was not the correct amount. Representative ( XXXX XXXX told me on XX/XX/XXXX, that the correct amount was {$1200.00} and once applied my monthly mortgage will go down to {$1300.00}. Nothing has been done as discussed and this keeps happening year after year with escrow issues. This issue needs to still be resolve and a letter with a breakdown of what they did with my {$2600.00} and my monthly mortgage should have been adjusted to a lower amount. If the {$2600.00}, was applied to the escrow I'm fine with that but my mortgage payment should have been lower. Also, my monthly mortgage payment its still showing at {$1400.00} instead of {$1300.00}. On another note : XXXX XXXX XXXX had adjusted my insurance to {$5100.00} a year which should also drop my escrow total. XXXX XXXX XXXX told me they sent you a new declaration with the new total during XXXX. I also wish to talk to someone that will give me accurate information on how to apply more money to my principal to lower my monthly and pay the mortgage sooner. I appreciate your assistance in this matter. Best regards ; XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Fifth Third Bank has decreased my credit with out any reason i was not behind any of my other credit or any outstanding loans. This is a clear violation and highly illegal act to damage consumers fair credit reporting act. It is also a violation of the U.S.C 15 sec 1666b.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone fraudulently opened a business checking account using my social security number at Fifth Third Bank on XX/XX/2023. I received a notification from XXXX the next day, and attempted to contact Fifth Third Bank, but did not have time after being on hold for a long time. I tried calling Fifth Third Bank again on XX/XX/2023, and over the course of XXXX calls and several hours of being on hold, explaining the situation to various reps, and being transferred between departments, they hung up each time I reached the dispute center and did not call me back. I don't have any other way of reaching them as the online communication requires an account, which I do not have since I am not a Fifth Third Bank customer.
Company Response:
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Fifth Third Bank is falsely reporting a 60 day delinquency to the Credit Bureaus. In XX/XX/XXXX I obtained an auto loan for the purchase of a XXXX XXXX XXXX. In XX/XX/XXXX the vehicle was rendered a total loss due to an auto accident through no fault of my own. XXXX XXXX paid 53 Bank over XXXX as the payoff in XX/XX/XXXX, and there was a remaining balance owed of approximately {$2000.00}. I spoke to someone in your Total Loss Department of 53 Bank about the remaining balance, and she advised me to request the refund of the vehicle warranty which would pay off the remaining balance. I promptly made that request to the car dealership, and subsequently, they sent 53 Bank the full warranty refund which exceeded the XXXX remaining balance because I receltly was sent a check from 53 bank for {$600.00} for the excess. How can the payment be 60 days delinquent when XXXX XXXX promptly paid you XXXX on my behalf in XX/XX/XXXX? An XXXX payment puts me years ahead in payments does it not? It appears that once 53 Bank received the remaining balance from the warranty, they reported this account 60 days delinquent to the credit bureaus. This false report has caused my credit score to drop XXXX points,. Consequently, I am not able to secure financing for a replacement vehicle. Therefore, I am asking that this inaccurate report be removed from my account immediately.
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A