Date Received: 2023-03-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022, I attempted to withdraw {$500.00} from the Fifth Third Bank ATM at XXXX XXXX XXXX XXXX, XXXX, OH XXXX around XXXX PM. Unfortunately, the machine asked me to " Please take your cash '' but there was no cash dispensed. I filmed this incident occurring for about 20 seconds before stopping the video. The transaction was canceled and I assumed the issue would sort itself out. A few days later, I checked my statement and noticed the {$500.00} had been deducted. I immediately filed a dispute with Fifth Third. After a few weeks, the dispute was denied. I called Fifth Third and asked to re-open the dispute and I sent the video to the dispute team. I also filed a CFPB complaint. The CFPB complaint was closed shortly after receiving a letter stating they were still reviewing the incident. This week, I received another letter from Fifth Third Bank indicating they conducted an audit on the machine and found no discrepancy, however despite my repeated requests to view the security footage, they've given no indication they have done so. I assume this, too, will be closed, but I want to ensure I fully document my attempts to address this issue through every proper channel. The video of the ATM malfunction can be viewed on XXXX here XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Previously sent email addressing the problem. No response : Dear XXXX XXXX, I am writing you at the recommendation of a banking friend, since I am at wits end dealing with 5/3 Bank and my account with them. I held a 5/3 credit card until XXXX, at which point I left the XXXX for XXXX. I continue to carry a balance on that ( closed ) credit card account, and have been making monthly payments ever since via my XXXX checking account. All was well until XX/XX/XXXX, when 5/3 seemed to have made an online system update. My XXXX payment info was deleted in this update, and I kept receiving error messages when attempting to re-add it to make my monthly payment. I have had to call 5/3 every month since XXXX to make a payment, which in and of itself is a dreadful experience : 1 ) the average hold time is an hour or more ; 2 ) you frequently are assisted by a representative who is difficult to understand. 3 ) Since I no longer have an active card, I get the runaround from customer service : transferred from one department to the next with my call dropped in the process more often than not and thus having to start the whole process over again. My own working hours are the same as those of 5/3s customer service line, and I am unable to spend hours monthly to make a simple payment. This was difficult enough to deal with on a monthly basis, but it got worse : since XXXX, I have attempted to call customer service to make my payments, but am told ( again, after a hold time of at least 40min to an hour ) that this account is now being handled by the fraud department. I am mystified by this : the account has been closedhow is fraudulent activity possible? The customer service representatives are never able to tell me, but insist that only the Fraud Detection department can help me. I am then transferred to this Fraud Detection Departmentand 100 % of the time, my call is dropped in the transfer. I then start from scratch : call in, wait on hold for an hour, then told I can not be helped by anyone but the Fraud Detection department and then, call dropped in transfer. I have tried to communicate the fact that my calls continuously get dropped in transfer, but to no avail. I have had only a single day in XXXX where I was available during the customer service business hours to attempt to deal with thisafter 6 hours I got simply nowhere. I couldnt even at the very least make the needed payment, not to even mention understanding what the source of the issue is. Today, XXXX XXXX, I spent 5 1/2 hours on thisand with zero result. I work a full-time job as a XXXX and XXXX at the XXXX XXXX XXXX XXXX XXXX my time is valuable and I simply dont have a day to spend on this every month. It would be marginally bearable if at least I got a payment made at the end of these immensely frustrating phone calls, but my account is now two months overdue. I will suffer credit damage, and none due to an error of my own. At this point I would prefer to transfer the remaining balance over to a XXXX credit card to pay off, but without my account number I am unable to do so. The account has been closed for so long I no longer have access to an account number. I would settle for being able to set up monthly automated payments, but also that is currently impossible. I received the email below today, and called the number on this communication. I was again put on hold, but gave up after 1 hour and 20 minutes. This is an impossible situation and I hope you can assist me in sorting this out. Otherwise I am left with no other options but to file a consumer report again 5/3. Your time and attention is much appreciated. Kind regards, XXXX XXXX
Company Response:
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I went to a gray XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.
Company Response:
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Request for VERIFICATION OF IDENTITY AND ACCOUNT OWNERSHIP. I request Fifth Third Bank to confirm the ownership of the Bank Accounts where my money were deposited by unknown to me parties. I request the names of the Company who collected my checks and who deposited them ; and the names of the individual officer [ s ] who made or who authorized endorsements of the checks ( attached ) I believe that my payments were diverted and not received by the party whom I intended to pay.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Paid my rent {$2300.00} on XXXX/2023 ( sunday ). On XX/XX//2023 my ending balance was {$2400.00}. 2 transactions were made on XXXXXXXX2023 ( XXXX - {$6.00} at gas station & 2 - {$40.00} to XXXX ). Per my online and banking statement my rent payment of {$2300.00} was removed on XXXX/2023 leaving me a balance on XX/XX/2023 of {$260.00}. With that balance I repaid a debt via XXXXXXXX XXXX of {$200.00} on on XX/XX//2023 and made a purchase of {$24.00} on XX/XX/2023. So to my surprise this morning ( XX/XX/2023 ) I get a return payment notification from Firth Third bank saying that they returned my rent payment of {$2300.00}. I contacted customer service and a manager told me that " technically '' the payment did clear on XX/XX/2023, but the purchases of {$24.00} ( made on XXXX/XXXX/2023 ) and {$40.00} ( made on XXXX/XXXX/2023 ) came out first making my account negative so they returned the payment. How is a family suppose to manage their finances like this. I get email and text notifications and check my online account multiple times daily and there seems to be no way to avoid these issues and then fees. So now I have to pay a return payment fee, a late payment fee, and drive across town to pay my rent with a money order all because of this mess. I am not confident in banks in America now.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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 was attempting, on XX/XX/XXXX, to buy XXXX tickets to a XX/XX/XXXX production of XXXX at the XXXX XXXX XXXX XXXX in XXXX Ohio. I was online with XXXX and they had ground floor tickets for {$550.00}, which was too much, so I looked at the balcony and it was {$140.00}. I gave my charge card info expecting an itemized bill and all of a sudden it told me I had spent {$770.00}. I had thought the {$140.00} was the total for the XXXX tickets! You can imagine my shock! I attempted to contact the company and cancel the transaction, and was told that it was impossible. ( I might add, I called XXXX, and the balcony tickets range from XXXX XXXXXXXX {$75.00} each, so my thought of {$140.00} was not unreasonable! I then contacted my credit card company 5/3rd and started a dispute. This was back on XX/XX/XXXX. They told me it would take a while, until the bill hit my statement. I told them I was taking cruises and would be unavailable from XXXX. They sent me a letter that I needed to contact them by XX/XX/XXXX that my son got from the mail, but I was out of the country. I contacted them, the day I returned XX/XX/XXXX, and told them the situation and they said I needed to fax them information, which I did, so they could reopen the case. I faxed them more information XX/XX/XXXX after another phone call. Mind you, we flew to the XXXX XXXX XXXX. I followed up XXXX, by phone, and was told that the process would take about a month. I called back yesterday, and was told the case was rejected a second time because of time issues. I was told to fax another letter asking them to reopen the case! This is ridiculous. I have written another letter, but am traveling today and have to figure out how to print a letter and fax it from the next island we are traveling to. In the meanwhile I have not been able to repurchase tickets for the show, now in 2 months.
Company Response:
State: OH
Zip: 45431
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hi; I opened a dispute with my bank trough CFPB under this claim number : XXXX They respond that will open the dispute and give a temporary credit, until now I dont have that temporary credit and also I dont have any letter from the bank of the status of the claim. Attached goes the letter from the bank of the original claim.
Company Response:
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was taken over by Fifth Third Bank. The notification process was incomplete. They did not provide clear verification that they were indeed the new mortgage processor so it looked like a scam. Once I verified they had bought my loan, the only way to pay the mortgage was to enroll in other services with their bank. They do not have adequate or informed customer service representatives. It is all automated which makes it appear like a scam. They claim that I missed payments, and send mailed statements saying I owe more money but their online system does not show the same balance as the mailed statements again making the process appear like a scam and very confusing. The inability to pay without using more services, the inconsistency in the paper and online statements has caused late fees to be assessed which need to be removed.
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had 2 credit cards through the same bank. Both cards were charged many time for various amounts of money from some international company that I never authorized. The charges were over {$20000.00} and I am currently in the process of trying to get copies of the statements. The bank that issued the cards erased the statements from my online account. I was going through a health crisis at the time and was not able to dispute the charges. That bank consequently sold the accounts to a collection agency and they directed me to this site to help. I am working on gathering information but seem to be unable to do so now that a year has passed.
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: 18 U.S. Code 914 - Creditors of the United States Whoever falsely personates any true and lawful holder of any share or sum in the public stocks or debt of the United States, or any person entitled to any annuity, dividend, pension, wages, or other debt due from the United States, and, under color of such false personation, transfers or endeavors to transfer such public stock or any part thereof, or receives or endeavors to receive the money of such true and lawful holder thereof, or the money of any person really entitled to receive such annuity, dividend, pension, wages, or other debt, shall be fined under this title or imprisoned not more than five years, or both. IM AWARE THAT YOU ARE REGISTERED WITH THE SECURITY AND EXCHANGE COMMISSION SECURED PARTY- XXXX XXXX XXXX fifth third bank SECURITY- protection : assurance ; indemnification ( d ) [ Request regarding list of collateral ; no interest claimed. ] A person that receives a request regarding a list of collateral, claims no interest in the collateral when it receives the request, and claimed an interest in the collateral at an earlier time shall comply with the request within 14 days after receipt by sending to the debtor an authenticated record : ( 1 ) disclaiming any interest in the collateral; and ( 2 ) if known to the recipient, providing the name and mailing address of any assignee of or successor to the recipient 's interest in the collateral. DISCLAIMING-RENOUNCE A LEGAL CLAIM TO A PROPERTY OR TITLE. Terms Used In Texas Business and Commerce Code 9.210 Obligation : An order placed, contract awarded, service received, or similar transaction during a given period that will require payments during the same or a future period. Person : includes corporation, organization, government or governmental subdivision or agency, business trust, estate, trust, partnership, association, and any other legal entity. See Texas Government Code 311.005 The following definitions apply unless the statute or context in which the word or phrase is used requires a different definition : ( 1 ) Oath includes affirmation. ( 2 ) Person includes corporation, organization, government or governmental subdivision or agency, business trust, estate, trust, partnership, association, and any other legal entity. ( 3 ) Population means the population shown by the most recent federal decennial census. ( 4 ) Property means real and personal property. ( 5 ) Rule includes regulation. ( 6 ) Signed includes any symbol executed or adopted by a person with present intention to authenticate a writing. ( 7 ) State, when referring to a part of the United States, includes any state, district, commonwealth, territory, and insular possession of the United States and any area subject to the legislative authority of the United States of America. ( 8 ) Swear includes affirm. ( 9 ) United States includes a department, bureau, or other agency of the United States of America. ( 10 ) Week means seven consecutive days. ( 11 ) Written includes any representation of words, letters, symbols, or figures. ( 12 ) Year means 12 consecutive months. ( 13 ) Includes and including are terms of enlargement and not of limitation or exclusive enumeration, and use of the terms does not create a presumption that components not expressed are excluded. 8-501. SECURITIES ACCOUNT ; ACQUISITION OF SECURITY ENTITLEMENT FROM SECURITIES INTERMEDIARY. ( a ) " Securities account '' means an account to which a financial asset is or may be credited in accordance with an agreement under which the person maintaining the account undertakes to treat the person for whom the account is maintained as entitled to exercise the rights that comprise the financial asset. ( b ) Except as otherwise provided in subsections ( d ) and ( e ), a person acquires a security entitlement if a securities intermediary : ( 1 ) indicates by book entry that a financial asset has been credited to the person 's securities account ; ( 2 ) receives a financial asset from the person or acquires a financial asset for the person and, in either case, accepts it for credit to the person 's securities account ; or ( 3 ) becomes obligated under other law, regulation, or rule to credit a financial asset to the person 's securities account. Under Texas law, an accord and satisfaction defense exists when parties agree to discharge an existing obligation in a manner other than based on the terms of their original contract. The defense involves a new contract, either express or implied, through which the original obligation is released by agreement of the parties. _____________________________________________________________________ WITHOUT RECOURSE, PAY TO THE ORDER OF FIFTH THIRD ACQUISITION HOLDINGS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Authorized Representative. {$20000.00} usd
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A