Date Received: 2023-03-23
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 filed a dispute for a charge made on my account of {$5700.00} that I disputed because the company did not supply the service I paid for. XXXX asked me for documents which I sent in. Then they reversed the charge after receiving information from the seller. I then sent in a large packet of information to dispute the charge on XX/XX/2023 directly to their dispute office in writing because after contacting XXXX they stated to send the dispute in writing. I also sent in proof that I reported the seller to the Fair Trade Commission, I sent emails begging for the seller to give me what I paid for. I sent a receipt for paying for the service from another company to complete the service and I have not heard anything from XXXX and the charge is still on my account.
Company Response:
State: MI
Zip: 48223
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have 3 accounts at fifth third bank and scammers from XXXX took over XXXX k over the last years out of accounts and bank is closing my account and not reimbursing any monies or charges. I was told I should have seen this in my online banking but me and my husband just assumed we were buying things, so this is the excuse they are using, my banker thinks it is wrong that they owe me.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, Fifth Third bank started charging my checking account {$11.00} per month as a service fee. I have had the account for many years with no fee. I did not agree to this charge. They refunded one month of the fee but will not refund the rest.
Company Response:
State: OH
Zip: 45247
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My wife and I own XXXX XXXX XXXX XXXX which is a real estate holding company for a commercial building ( Preschool ). Our business Bank account is held with Fifth Third Bank. On XX/XX/2022, our banking representative reached out to us asking if we tried to submit a {$500000.00} wire. We informed her that we did not and she was able to stop that transaction from happening. The following day ( XX/XX//2022 ) I logged into Fifth Third 's online banking website to check my account and noticed a wire transaction was processed in the amount of {$100000.00}. We did not initiate this wire and immediatley notified our representative and she confimed a wire in the amount of {$100000.00} was indeed sent without our consent and she filed a Fraud case with their Fraud Department. They tried to reverse/recall the wire with no success and now our Small Business is out of {$100000.00}. After a Fifth Third internal investigation, the bank is claiming the money can not be retrived.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My 5/3 card information was stolen via a gas station credit card skimmer. I reported it to 5/3 on XX/XX/2023. They opened an investigation and told me that it would be up to two billing cycles before it was complete. They advised me that I did not have to make payments on the fraudulent charges. After this, I was charged late fees and interest. For the next two months, I received phone calls ( from XXXX ) almost every day asking me to make a payment. When I answered the calls, I was usually immediately disconnected. On the rare occasion that I was able to speak with someone, they demanded payment. When I explained that the charges were fraudulent and asked them to stop calling, they told me that they would " let the fraud department know so the phone calls would stop ''. I have attempted to reach out multiple times to stop the collection attempts and to have the late fees and interest charges removed. I have spoken to at least 3 different departments on at least 4 different occasions. Each time, I am told that I need to speak with a different department. At one point, I was able to get someone to reverse one of the late charges, but not the interest charge. The following month, I was charged another late fee and more interest. I was told that this time the late fee could not be reversed because they had already reversed one. Another department told me that the late fees and interest charges would be reversed when the investigation was closed. My repeated requests to reverse the charges now and stop charging them in the future were declined. When I cited Title 12 of the CFR, I was told that the statements are not an attempt to collect a debt. After reviewing my statement again, it is clearly an attempt to collect a debt. Further, the supervisor would not comment on the phone calls. Here is some of the language copied directly from the statement : " Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to {$40.00}. '' " Please send payment to : FIFTH THIRD BANK XXXX XXXX XXXX XXXX, OH XXXX '' " Payment : You may pay all or part of your account balance at any time. However, you must pay, by the payment due date, at least the minimum payment due. '' Ironically, the statement also has the following language : " While we investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. '' I believe that Fifth Third Bank has violated my rights and is continuing to do so by violating the following codes form the Code of Federal Regulation : 1006.38 ( d ) ( 2 ) - May not attempt to collect a disputed debt. 1006.6 ( c ) ( 1 ) - Must stop debt collection notices upon request. 1006.14 ( b ) ( 2 ) - Can not repeatedly call regarding debt. I was unable to find a code regarding the charging of late fees and interest on disputed charges, but if it exists, they are violating that too.
Company Response:
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I was due a {$370.00} bonus for opening my checking account. The bank gave me the {$370.00} credit twice on that day. On XXXX they debited me {$370.00}, thus reversing their error. In XX/XX/XXXX, I received a 1099 form, from the bank. It showed that I had received a bonus of {$750.00}. This is wrong, since they reversed the second {$370.00} credit. I went to my local branch, in XXXX XXXX XXXX. A banker there said it would be corrected. No such thing happened. A week ago, I visited again, speaking to the branch manager. I followed up with the Regional manager. Still no correction Due to their error, I have been unable to file my tax return, and thus my refund has been delayed. .
Company Response:
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Around XX/XX/XXXX my checking account was hit with fraud and fifth third bank took my s.s. Check to cover the amount that was fraud I went to them and reported and my account was overdrawn because of this they said they couldnt close the account for 3 months so this continues to hope they were using my money and paying a credit card off and I told them and the credit card place and they closed my credit card account but fifth third bank didnt so XXXX fifth third took my money again they would not give me another account so this wouldnt happen again so I went to one of the branches and talked to one of the girls and she opened another account and moved my s.s. Check it was working until I saw that someone deposited XXXX into my old account because it was still open and someone withdrew XXXX so it shows I owe XXXX I asked her who put that much money in my account she said fifth third but she didnt know why so XXXX came and it hit again so XXXX they took my S.S. Check so I talk to another person and see called the main branch and she told me they are closing the account both of them and gave me my s.s. Check back to me week later my account was closed and i cant get any bank to give me a checking account because fifth third bank put a notice to all the banks that I owed them money and thats why they closed my account I went back and talk to the girl and she said because of the account was overdrawn for too long they sent it to other banks this is not turn they overdrawn my account and now I cant get anyone to give me a checking account
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
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 had an order from XXXX XXXX that was received in XXXX of XXXX and the seafood portion of the order was bad. XXXX XXXXXXXX agreed to refund me a partial credit for the food that I was not able to use. The credit was in the amount of {$61.00} on XX/XX/XXXX. I received an email confirmation from XXXX XXXX regarding this credit and as of today it has still not shown up on my Fifth Third Credit card. I was told by XXXX XXXX that the issue is on Fifth thirds end since they have processed the credit on their side. I opened a claim with Fifth third and as of today XX/XX/XXXX I still have not received credit for this. I have sent them the confirmation email as well. There is no reason 5/3rd cant credit me back the {$61.00} and chargeback XXXX XXXX due to the confirmation email I have sent to them from XXXX XXXX. This has been going on since XXXX and its now XXXX. They have been taking way too long to resolve this issue. Please help to get my credit back. Thanks
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XXXX of XXXX there was this company called XXXX XXXX soliciting the remodeling of home bathroom located inside the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, TN XXXX. Therefore, I filled out an application for free home estimate. The XXXX XXXX representative came to my home late XXXX of XXXX. The XXXX XXXX representative presented an estimate of cost for two restrooms inside my home. The XXXX XXXX representative advised financing was available ; therefore, the financing for the funds to complete the project where financed through a bank called XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. XXXX offered no payments nor interest for 18 months if paid off before the 18 month period there will be no interest applied. XXXX approved the loan and the XXXX XXXX representatives contracted the work. XXXX paid XXXX XXXX. In XXXX of XXXX came into a large amount of wealth. However, I had never started my first payment with XXXX. I called XXXX Customer Service to get an early payoff. The XXXX representative quoted the early payoff. I asked the representative several times before retrieving a cashier check was the payoff amount correct. The XXXX representative assured that the payoff amount quoted was correct according to the system. Therefore, XXXX received a check from me in the quoted payoff amount. In XXXX of XXXX just being curious about my credit score I pulled my credit report only to see XXXX showed a balance. Nevertheless, I contacted The XXXX Bank in question of the account. After, being placed on hold several times finally a representative advised that a complaint would be file for me. I received a call from XXXX in XXXX of XXXX stating the investigation was complete. Upon XXXX investigation, they stated the check was short ; therefore, the interest was applied as well. I asked the XXXX representative why wasnt any contact sent by mail, email or phone to advised that my contract was at fault. I never heard or received anything information from XXXX informing me until XXXX of XXXX. I asked XXXX to forgive this debt because they received a large amount in XXXX. The XXXX refused and now theres a third-party company calling now trying to collect on a charged off account.
Company Response:
State: TN
Zip: 38002
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A