Date Received: 2023-04-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Fifth Third Bank - XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I did not request or authorize a debit card. Someone hacked into 5/3rd 's computers and created a debit card and started using it. I found out, reported it, they canceled the card. At that point, I told the bank that withdrew my authorization ( something they automatically link ) for a debit card to be linked my checking, staff assured me that would be done. About a year later the same thing happened - another unissued, unauthorized, unasked for debit card had been " issued '' to a hacker and things were being charged to me. I informed the bank about this and they canceled the card. However, some of the charges were beyond the time frame for cancelling. I contacted management and was told it was my responsibility to monitor the account ( including the card I had not authorized ). They said they would look into weeks ago, and nothing has been done. Fifth Third 's system allowed this to happen - I never asked for a debit card from them at any time. The bank has all these records for your review. Thank you
Company Response:
State: IN
Zip: 478XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I foolishly deposited a check that I had received from an unknown person. Of course, this check came back as fraudulent. Fifth Third then froze my account for any future transactions. At the time of closing, Fifth Third returned approximately {$1100.00} to me that was remaining in the account. I then tried unsuccessfully to open a checking account at several other banks but was not able to do so. I received the Consumer Report stating that I had " uncollected funds '' at Fifth Third. After checking with the local Fifth Third branch, the banker told me that he saw NO uncollected funds against my account. He advised that they would forward the information to their corporate headquarters for review. I have been again advised by corporate that there is NO uncollected funds against my account. I have been advised that I need to file this dispute in order to clear this situation up so I can once again open a checking account and live a normal live. Please advise what needs to be done. Thank you for your assistance.
Company Response:
State: IL
Zip: 60515
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my Fifth Third bank loan with XXXX XXXX. A pay off check was sent from XXXX XXXX XXXX XXXX ( via XXXX ) to Fifth Third bank on XX/XX/2023. That check was received at Fifth Third bank on XX/XX/2023 and signed for by XXXX XXXX ( an employee of Fifth Third ). XXXX records indicate that XXXX XXXX signed for the check at XXXX XXXX. After several days passed and the check was not processed ; XXXX XXXX contacted Fifth Third and was told that they were not able to locate the check. The XXXX XXXX agent was instructed to stop payment on that check and to resubmit a new payment. XXXX XXXX sent a second check to Fifth Third ( via XXXX ) on XX/XX/2023 and it was received at Fifth Third on XX/XX/2023 at XXXX XXXX.. Again the second check was received and signed for by XXXX XXXX XXXX I contacted XXXX XXXX on XX/XX/2023 to get an update on the closing of the Fifth Third account. The XXXX XXXX agent told me that he was told that the second check was received in the proper Fifth Third office on XX/XX/2023. After receiving this information I contacted Fifth Third. I was told by Fifth Third that I was being charged additional interest on the loan because their records did not show that a payoff check was received until XX/XX/2023. I filed a complaint with Fifth Third because I am being charged additional interest because the account was not closed on XX/XX/2023. Fifth Third received a check for {$250000.00}. The payoff amount on XX/XX/2023 was {$250000.00}. Fifth Third refuses to take responsibility for misplacing the initial check that was sent and received by them in XXXX. The difference between the amount of interest I'm being charged and what Fifth Third says I owed ( because they misplaced my check ) is {$1900.00} I was told on XX/XX/XXXX, by Fifth Third, that my complaint was being denied because there was no way for them to verify receipt of the first check " matter closed '' .The reason XXXX XXXX XXXX the payoff check to Fifth Third by mail is because they were not given an option to wire the payment to Fifth Third. I was told by Fifth Third, before any payment was sent, that all excess funds would be returned to me.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I can't get through to fifth third bank, I call there number and hit option 3 and it will put me on hold for 2min 19 seconds and put me on a voicemail saying someone will call me back. I've called them daily for the last month and a half. Not one call back I tried to record the call my phone won't let me. So I haven't been able to apply for forgiveness or anything cause I can get through. I've talked to customer service and I talked to someone in refinancing and they all send me down the same road voicemail.
Company Response:
State: CO
Zip: 80128
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: This is my final notice that I will do police report - as it is coming in to Civil issues, legal issues after talking and meeting with IRS which you said you sent check to.. The IRS couldn't find any soures of incoming fund of {$7000.00} after providing all the Docs you sent to me. With the advices from IRS and Some Legal Services, we will end in the court Decisions. Thanks XXXX XXXX
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Today, XX/XX/2023 a distant family member contacted me to inform me that fifth third bank called to speak to me. This family member was at work and I do not have communications with often. We were both shocked because this distant family member is not listened on any of my information. This company also did not even call me. How are they reaching out to distant family member but never reached out to me? I feel so violated because they shared my personal information with a random person that I do not even have a relationship with.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I found out that 5/3 Bank improperly managed my escrow account on my home mortgage again. I paid my mortgage payment/insurance but they failed to pay XXXX bureau insurance 2 separate occasions, then their 3rd payment failure left me unknowingly without homeowners insurance from XX/XX/XXXX until XX/XX/XXXX. They also failed to track down money they paid out of my escrow for the homeowners insurance for XX/XX/XXXX to XX/XX/XXXX but say i was not covered, my {$1200.00} is still missing months later & no one has contacted me. Due to negligence by 5th/3rd Bank , my house was unprotected for over 365 days! Once I found out, I got a new policy with XXXX effective XX/XX/XXXX. However 5/3 bank just sent Me a letter ( XX/XX/XXXX ) stating that they purchased a policy on XX/XX/XXXX for {$2700.00} that I have to pay but doesn't cover me, it only covers the 13 days that it took for me fix their mess & get a new homeowners policy XXXX XXXX XX/XX/XXXX. THEY JUST DID THIS AFTER I FILED THE 1ST COMPLAINT, THIS IS CLEARLY RETALIATION AGAINST ME, THE SOLE PROVIDER TO A FAMILY OF XXXX! EVEN THOUGH I PAY MY MORTGAGE PLUS {$300.00} EXTRA EVERY SINGLE MONTH WITHOUT FAIL. THEY HAVE THE NERVE TO FAIL TO PAY MY ESCROWED INSURANCE POLICY ONTIME SEVERAL TIMES NOW, LAPSED MY HOMEOWNERS FOR 365 DAYS PLUS THEN TRY TO CHARGE ME THOUSANDS FOR THE COUPLE WEEKS IT TAKES ME TO SORT OUT THEIR MESS! 5TH/3RD BANK IS TRYING TO STEAL OUR HOME!
Company Response:
State: MI
Zip: 49120
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On my statement dated XX/XX/23 : Due date and amount due is : XX/XX/23 in the amount of {$270.00} ( {$270.00} principle and {$.00} interest ). The amount due is the last amount due on my mortgage, aside from {$1400.00} that I deferred during Covid-19. I made my mortgage payment online ( which is the payment process I submit all my payments ) on XX/XX/23. I tried to submit a payment in the amount of {$270.00}, however, when I tried to make a payment, I received a prompt that stated " Amount must be between {$270.00} and {$270.00} ''. So, I went to " other payment option '' and made a payment in the amount of {$270.00} ( which was the only amount I could submit ). After a couple days after submitting the payment, I noticed the payment was deducted from my checking account and the payment went to " unapplied credit '' on my mortgage account. On, XX/XX/23, I chatted with an online representative and they stated they would send in a ticket to have my payment sent from " unapplied credit '' to my mortgage payment. They said to wait for 4 days for the payment to apply. I waited XXXX days and the payment was still under " unapplied credit ''. I then called the mortgage telephone number several times and talked to a representative on ( I believe the dates were ; XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 ). ALL OF THESE representatives gave me the same runaround as the representative I chatted with .... '' my payment would be applied to my mortgage payment ''. I also called my local fifth third branch on XX/XX/23 and they stated I needed to go to the branch to make my payment and have it applied. I went to the local branch and they said they could not help me make the payment. They chatted with someone online and that person told me to call the mortgage telephone number. Which I did call and the date is shown above. Also, on XX/XX/23, the representative told me to give them my checking account number so I could make a {$1.00} payment since the amount I paid was almost {$1.00} short. That payment was taken out of my checking account and sent to " unapplied credit '' on my fifth third mortgage account. On XX/XX/23, Fifth Third charged me a late payment fee in the amount of {$13.00}. On XX/XX/23, I requested to speak with a supervisor but the representative told me this was not possible at that moment and I will have to wait for a supervisor to contact me within 72 hours. I believe I have been patient enough and I need this situation handled ASAP. I have wasted hours of my time and have received several mail correspondences as well as emails regarding my late payment. I made the payment on XX/XX/23. XXXX payment is not late!! Please help!
Company Response:
State: OH
Zip: 45662
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Id like to cash out my IRA that was issued on XX/XX/XXXX, by XXXX XXXX at the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Attempting to contact them by phone for the last 3 years has been unsuccessful. Ive called dozens of times and only got a live person 3 times. The first one said Id have to come in in person, which is impossible because Im living in Nebraska now. The other 2 times I was told someone would call me back but nobody ever did. The redemption value was {$2100.00} as of XXXX XXXX, XXXX. FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX phone ( XXXX ) XXXX
Company Response:
State: NE
Zip: 683XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am trying to request to have my pmi removed. I have filled out all of the information that they required and waited for hours on the phone with them. Constantly calling and getting no resolution. I am being told that I am denied a bpo request due to payment history when I have never missed a payment or been late on a payment.
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A