Date Received: 2023-02-19
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 purchased a rental car on XXXX for a rental car with XXXXXXXX XXXX XXXX in XXXX, FL. When i returned the rental car i was overcharged for the rental car due to a mistake they made on their end. I talked to a manager she corrected the issue signed the receipt as proof. The extra charges were credited back to me and then months later they recharged my card. The first time my bank ( Fifth Third ) blocked the charge but when they tried a second time the charge went through. I put a dispute in with Fifth Third Bank but found out later that the person who set up the dispute set it up wrong and noted that the charge was a duplicate charge. Because they put the information in wrong about the charge being a duplicate charge they refused to dispute the charges. I contacted them again about it and found out they had two different claims open about the same incident. They opened up a new appeal on the claim but now they are saying that the charge can not be disputed because they received notice of the dispute more than 60 days after the the transaction. This is not true. Also i had a previous complaint with another claim where they seem to not find out the billing error even with all the proof available.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been forced to file a complaint with the Federal Trade Commission and the Office of the Comptroller of the currency due to XXXX 's misuse of their dispute practices. Previously, I disputed accounts from XXXX XXXX XXXX XXXX XXXX and Fifth Third Bank. I disputed these directly with the companies as well as with all XXXX credit reporting agencies. XXXX responded to the Fifth Third dispute by reporting the account " Paid in Full ''. XXXX responded that the account was " verified ''. This is incorrect. They did not properly dispute any of these accounts and they are preventing me from re-initiating a dispute again with the updated information.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I got caught up in a fake at home job scam and mobile deposited a check sent to me by the " company '' and now my bank account is overdrawn {$490.00}, XXXX. I called the bank and all they want to do is close my account, they are treating me and talking to me like I am the one who is scamming them.
Company Response:
State: KY
Zip: 412XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Pursuant to 15USC 16802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with se It is the bureau 's responsibility to report accurate information ONLY, this account is listed twice with different account information, if it is for the same account how is that possible. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates. REMOVE IMMEDIATELYction 6803 of this title.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Went into Fifth Third Bank at XXXX XXXX XXXX XXXX, IL XXXX. This afternoon I went into my local fifth third branch to do a withdrawal of {$2000.00}. Ive banked with fifth third for over 10 years plus and I withdraw money regularly, today I went in to do a regular withdrawal. I provided my Drivers License as well and my debit card to XXXX and she was initial rude, she proceeded to ask me a series of questions pertaining to my account as if there was something wrong with the account or as if i wasnt the owner of the account. I answered all questions as needed and she told me they were wrong. I opened my account 10 plus years ago, I do not remember all of the questions that i mightve set up but instead of her sending me over to a banker to potentially rest my security question or for further authentication. her attitude grew stronger and she told me that she can no longer assist me, although I was authenticated by pin AND with my drivers license. At this time I became agitated and frustrated. I asked for a manager ( XXXX XXXX XXXX ), and unfortunately the manager was the same exact way! instead of him trying to find a way to help resolve the situation, he made it even worse! He was not helpful at all, and spoke to me in a rude way! After having me in the branch for 1 hour he finally let me withdrawal the amount. For me to have a relationship with fifth third for over 10 years they should be ashamed of themselves! This was a very distasteful visit! Im very disappointed, I loved fifth third and being a client. I even wanted to apply for a mortgage loan with the bank since ive been with them for so long but this is unacceptable.
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I read last month the Federal Reserve suspended Regulation D ( only allowed 6 transfers per month from savings account via online or telephone ) indefinitely. However it stated each individual bank could decide if it wanted to keep or discontinue Regulation D. I called my bank ( 5th 3rd Bank ) to verify what their position was on this matter on XX/XX/XXXX at their branch at XXXX XXXX XXXX XXXX Oh at XXXX and a male bank employee there told me 5th 3rd Bank had suspended Regulation D and I was free to make as many transfers from my savings account using any means that I wanted toI called 2 more 5th 3rd telephone numbers to verify this info/-I call their call center at XXXX and spoke to a XXXX who told me the same info as the XXXX XXXX XXXX then called the 5th 3rd branch on XXXX XXXX XXXX Oh XXXX XXXX -an employee there named XXXX told me that Reg D was still in effect at 5th 3rd Bank and the 6 monthly transfer limit was still in effect/I really need to know 5th 3rds exact position on this matter because I dont want to violate some regulation and be penalized with losing my current account
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I personally met with IRS yesterday ( on XX/XX/2023 ) and IRS is asking the Fifthird Bank to provide proof that IRS was requesting the fund {$7000.00} to return to IRS, Which is stated in the third Paragrap of Fifthird bank letter dated on XX/XX/XXXX XXXX, stated ( Please be aware, we received notice from the Internal Revenue Service ( IRS ) that several checks that were deposited into your account ending in XXXX, were invalid and the IRS was requesting the funds be returned. The hold was placed on your account, by our Bank Protection Department, and funds returned to the IRS for {$7000.00} ) I attached the original letter. Please be advised as soon as possible. Thanks XXXX XXXX
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/, I attempted to withdraw {$500.00} from the Fifth Third Bank ATM at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX around XXXXXXXX XXXX. Unfortunately, the machine asked me to " Please take your cash '' but there was no cash available. I filmed this incident occurring for about 20 seconds before stopping the video. The transaction was cancelled 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 30 days, the dispute was denied. I called Fifth Third to ask for more information and was told the audit of the machine didn't indicate any transaction errors, but they offered to review the video, which I sent to them, and make sure they reviewed the correct machine. To date, I've heard no response - not even an acknowledgement that my case has been reopened. Additionally, they have not offered the {$500.00} as a provisional credit while their re-investigation is ongoing. The dispute number is # XXXX
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
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: Engaged merchant to remove squirrels from inside my chimney and entire yard. Merchant placed trap and camera and promised to catch and remove squirrels until all were gone. After several days no squirrels were caught. Tried to contact many times over several weeks to resolve the situation to no avail. Discovered over this time merchant was rated F on XXXX and had many complaints of the same nature. Also discovered merchant was being investigated by the State Fish & Wildlife for not following wildlife laws and regulations, and there had been several negative news stories regarding the illegal/unethical business practices of this merchant. Ultimately, had to hire another merchant to remove all the squirrels which they did effectively in less than a week. Filed dispute in early XXXX with bank to receive credit back on my credit card for fees paid in advance to the first merchant who never provided the services promised. After first providing my dispute with the bank 's Credit Card Dispute Department via phone in early XXXX, subsequently had to file again in writing along with other supporting documentation as requested later by the bank. Bank sent letter on XX/XX/XXXX stating they were denying my dispute because they had received documentation from the merchant " that shows disputed services were provided '' and stating they enclosed a copy of this information for my review ( which they did not ). It took many attempts ( many hours and calls ) over several weeks to subsequently receive the information the merchant had provided to the bank, but which wasn't received until the end of XX/XX/XXXX. After reviewing the merchant 's information it was clear that there was no proof provided that services were ever provided. I provided my responses to the merchant 's documentation on XX/XX/XXXX which again summarized my dispute, the evidence that I provided and the proof I provided that services were never provided, and pointing out to the bank that the merchant 's information did not speak to whether or not services were provided as they had stated, and based their denial of my dispute upon. The bank 's whole dispute process is flawed, with difficulty in filing a dispute, determining the status of the dispute, and the overall ability to effectively communicate with the people reviewing and making decisions on the disputes. Their response times and follow up are awful, transparency is nonexistent, attention to detail is inadequate, and their personnel have been very unprofessional. Overall, their dispute process is not at all customer friendly or customer oriented in any way. Finally, I would note that at the time I originally filed my dispute over the phone, the bank employee indicated that yes they have had a lot of other customer disputes with this particular merchant. If true, than even more frustrating considering the amount of evidence that I had provided proving this merchant had not provided the paid for services as promised, as well as evidence of the merchant history of fraudulent business practices.
Company Response:
State: KY
Zip: 40223
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I attempted to make my mortgage payment on fifth thirds app on XXXX and was given an error message. I attempted again on XX/XX/XXXX and was again given an error message. Ok XXXX I saw that a payment came out. Again on XX/XX/XXXX I saw a second payment came out. I did not authorize 2 payments to come out of my account. The bank can not refund me the money for the second payment for 14 business days. At which point the payment will almost be due again. I have called multiple times and chatted over the app but no one is willing to help me for the error that the bank made.
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A