Date Received: 2023-03-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In XX/XX/2022 I applied for a loan modification for my mortgage at Fifth Third Bank. I never heard anything back from them on it and later in XXXX I had a buyer who wanted to buy the home. I tried to get a payoff for the sale and never go it. The buyers realty attorney tried also for 2 months to get it from them. Finally after 3 months they gave us a payoff. By then the buyer backed out and in the process had started renovations on the house unknown to me. The house does not have a bathroom now due to buyer demoing it. I asked for a short sale and the bank agreed but will not entertain an existing offer of $ XXXX fothe sale. I paid on the house for 15 years and somehow owe $ XXXX more than I borrowed to buy the house. I borrowed $ XXXX, paid approximately $ XXXX in loan payments over 15 years and they say I owe $ XXXX now. Now they are for closing on it.
Company Response:
State: PA
Zip: 162XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My husband died on XXXX XXXX, XXXX. He had a lockbox with XXXX bank which he had put into his corp.s name XXXX They have asked for proof that he was the only share holder of the company. I have provided federal tax returns, state corp. license , corp. resolution ( written by my attorney ), etc. They are still saying that this is not enough. I have been fighting with them for 5 months. Each time I go to XXXX I usually have to get a room which adds to the cost. Never mind gas and time involved. I am hoping that my husbands contract for his company is in the lockbox. I am ready to sell it and move on with my life. Without the contract I can not move for ward. Please help me,
Company Response:
State: KY
Zip: 40004
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear Sir or Madam : On XX/XX/2023, I was shocked to discover that a fictitious named person had unlawfully used my Fifth Third Bank, XXXX XXXX XXXX business debit card numbers and secure security code ; in order to make a fraudulent purchase from XXXX XXXX web application in the amount of {$3.00} without my lawful authorization. See Exhibit A. Please keep in mind, I have rarely used my Fifth Third Bank, XXXX XXXX XXXX business debit card to make any personal purchases, so I was perplexed, as to how this fictitious named person had obtained my Fifth Third Bank, XXXX XXXX XXXX business debit card detail information. After, I had carefully analyzed my fraudulent activity from the fictitious named person onto my Fifth Third Bank, XXXX XXXX XXXX business debit card, and I have determined two possible scenarios, as to how the fictitious named person had made this XXXX XXXX fraudulent activity onto my Fifth Third Bank, XXXX XXXX XXXX business debit card have occurred either : 1. An employee at the United State Postal Service ( USPS ) jurisdictional facility had intentionally, unlawfully, knowingly, and willfully opened my Fifth Third Bank, XXXX XXXX XXXX business debit card envelope then wrote down my Fifth Third Bank, XXXX XXXX XXXX business debit card numbers and secure security code information, and the USPS employee had resealed it with a difference envelope before delivery it to my residential address ; in order to caused fraudulent activity onto my Fifth Third Bank, XXXX XXXX XXXX business debit card for fraudulent use at a later date such as, XX/XX/2023 ; or XXXX. An assailant had unlawfully trespassed against me while I was asleep, and gone into my XXXX XXXX XXXX, and the assailant had unlawfully accessed my personal wallet ; in order to obtain my Fifth Third Bank, XXXX XXXX XXXX business debit card numbers and secure security code for fraudulent use dated on XX/XX/2023. However, I had taken immediate action by way of contacting my Fifth Third Banks customer service representative straight away and I had cancelled my Fifth Third Bank, XXXX XXXX XXXX business debit card and I have disputed the XXXX XXXX transactional charges in the amount of {$3.00} made by the fictitious name person before any more damage could be done. When I became aware of the fraudulent charge made by the fictitious named person against my Fifth Third Bank, XXXX XXXX XXXX business debit card without my lawful authority. It is extremely unsettling and unnerving to know that the fictitious named person had my Fifth Third Bank, XXXX XXXX XXXX business debit card details information for such a long period of time and used it to commit fraud. I trust Fifth Third Bank will take the necessary action to investigate how my Fifth Third Bank, XXXX XXXX XXXX business debit card was unlawfully accessed by a fictitious named person. Respectfully Submitted, XXXX XXXX XXXX
Company Response:
State: ND
Zip: 58103
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My employer attempted to directly deposit my paycheck into my Checking account. They have successfully deposited into my account since I began my employment. The bank then declined the direct deposit from my employer. There were no alterations or changes to any information with my employer or my bank. The bank has at this time decided to reject my paycheck. After discussing with my employer, they have said that the bank is still holding the rejected paycheck funds and have not returned them. After a second discussion with the bank, they advised that there is no record of my employer sending the funds ( my employer provided me with the evidence that the funds were sent ), they advised there was no record of my call to discover why my direct deposit was never received and that they do not see anything that would indicate that they have the funds that have yet to be returned to my employer.
Company Response:
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check on XX/XX/XXXX with XXXX on my mobile device and when I did so it said my funds would be available on XX/XX/XXXX. On XX/XX/XXXX they put a 10 day hold on my check from XXXX XXXX because they said prior history of them not honoring checks. I spoke to XXXX XXXX in XXXX XXXX and they said thats absurd and that XXXX had already collected the money. I then spoke to XXXX and they refuse to release my money and said it wont be in my account until XX/XX/XXXX, even though online it says its posted. They said they are just going to hold my money.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I attempted to withdraw money from my 5/3 Bank account at a XXXX ATM on XXXX XX/XX/XXXX. The ATM whirred, etc. like normal but the door did not open, I did not get my money and it did not provide a transaction receipt. ( This was not the only time this has happened to me. ) I called my local 5/3 branch and was told to contact the dispute resolution dept. I did this, repeatedly, and it has been denied each time. During my XX/XX/XXXX call, " XXXX, '' a dispute center supervisor, told me I can NOT have any of the information used in this decision, including the ATM 's video of my transaction ( obviously showing my angry face after I did not receive my money ). I told her the letter they sent states I can request copies of the documents used in this decision. She told me it is a " form letter '' and may not be correct. The correspondence and notes related to this are in the attached pdf file. Thank you. XXXX XXXX
Company Response:
State: OH
Zip: 45242
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: 2023-03-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Contacted bank on XX/XX/XXXX Your customer service only goes to XXXX XXXX Eastern. Im sitting on hold forever to get an agent. I need to place an ACH stop payment for {$1900.00} from the Internal Revenue Service ( IRS ). I setup through XXXX on XX/XX/XXXX with anticipating withdrawal of XX/XX/XXXX. Per my bankruptcy attorney Im not supposed to directly pay it as my bankruptcy is. The IRS said they couldnt help when I called today to cancel the payment. Please assist. They called XX/XX/XXXX from office of president and said stop was placed. Over the weekend XX/XX/XXXX I went to use debit card and it declined and its as a result of the payment hitting my account and putting me negative. I dont recall giving them permission to allow my account to go negative. I contacted the bank XX/XX/XXXX and XX/XX/XXXX via email and this is still not fixed.
Company Response:
State: NY
Zip: 12533
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third offered a 0.25 % discount if mortgage customers signed up for autopay with a Fifth Third checking account. But the autopay feature is not smart enough -- it transfers funds from Fifth Third checking to pay the Fifth Third mortgage even on months when there is no mortgage payment due ( and therefore I put no funds in the checking account ). As a result, the checking account is overdrawn and Fifth Third charges {$25.00} fees on the mortgage account every time to reverse the payment attempt. When I contacted customer service, they said these fees are not able to be refunded. There is no way for a customer to see on Fifth Third 's website whether autopay is active, or to turn autopay on, turn it off or pause it. Each of those actions requires contacting the company. This seems unacceptable. Customers should reasonably expect that Fifth Third 's autopayer is synced up with other parts of its system -- enough to not try autopaying a bill that is not due. In the very least, customers should be able to view whether autopay is turned on and they should be able to turn it on, turn it off or pause it from the website or app. Thank you for looking into this matter. It seems like these improvements will only happen as a result of visibility with the CFPB.
Company Response:
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: The issue began when I tried to open a new account at Fifth Third Bank under a new customer promotion. The bank denied me the promotion, saying I was an existing customer. However, I had no accounts with Fifth Third Bank at the time. I never consented to be a joint owner of the account they said I was. I asked for the signature card or any other evidence that I agreed to be on the account. They said they had nothing. I asked to be removed from the account. They refused. They are holding me accountable to a checking account I never consented to ( or even knew about ). The banks official response ( paragraph 4, attached ) from last week is that I came into the bank on XX/XX/2019 attempting to open an account under a promotion, but was denied that promotion because I was already on another account. However, paragraph 3 states that I was added to that account on XX/XX/XXXX, XXXX days later! In other words, they denied me the promotion because I was going to become a customer 46 days in the future. Im not sure if they are claiming clairvoyance or time travel! Other attempts to resolve the issue have resulted in similar nonsense. I talked to banker XXXX XXXX at the XXXX XXXX branch yesterday. He said he would not touch the account because there was no record of my signature on file. He said that creating an account without signatures would be grounds for terminationand he didnt want to become associated with it in any way that might risk his job. That seems to be the theme here. The bankers I have talked to all appear to be covering for each other because they know somebody will pay a price if they fix the problem. I believe that is why I have been unable to get my name off of the account.
Company Response:
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I went on FifthThird Bank 's website to make a {$36.00} payment on my credit card account. I tried several times to make my credit care payment on-line and I kept receiving the message that the system couldn't accept my payment and that the system gave me a toll-free number to call. On XX/XX/XXXX, I called the toll-free number and spoke with a Fifth Third Bank representative and asked if she was able to see if a {$36.00} payment was made on my account. She responded, no. So I made a {$36.00} with the representative payment and she gave me a confirmation number : XXXX. About three days later when I checked my checking account, I noticed that I was charged four payments of {$36.00} each for the one credit payment that I made on XX/XX/XXXX. A few days later, I received notification that those 3 payments will be reversed. So, I'm thinking great. Today, XX/XX/XXXX, I received a call from Fifth and Third Bank stating that my credit card account needed immediate attention. I wasn't really concerned about my account because I knew that I had made my payments and my account was current. In speaking with the Fifth and Third representative today, XXXX stated that my account was behind and that I would have to make a payment and late fees would be added to my account in XX/XX/2023. I had to make another payment of {$36.00}. I asked if I could speak with a supervisor as I have never been late on my account and these issues are relative to Fifth and Third 's website and of no fault of mine. I held on the line for about twenty minutes and was disconnected.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A