Date Received: 2023-02-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Recently, I did an investigation on my credit report which has caused severe XXXX and XXXX upon me, and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. On XX/XX/XXXX The credit bureaus stated Fifth Third Bank account # XXXX was properly investigated and came back as verified. However, how is that true when there are several inaccuracies showing on my report. With that being said, the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure. Below is a list of inaccuracies on Fifth Third Bank account # XXXX Inaccurately opened account dates : XX/XX/XXXX and XX/XX/XXXX Inaccurately date opened balance : {$240.00} and {$200.00} Inaccurately last reported on the account date : XX/XX/XXXX and XX/XX/XXXX Inaccurate date of last payment : XX/XX/XXXX and XX/XX/XXXX Inaccurate date last active : XX/XX/XXXX and XX/XX/XXXX Inaccurate monthly payments : {$35.00} and XXXX
Company Response:
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I order a XXXX cake for XXXX $ and food for XXXX $ for a birthday party. I don't have a screenshot of their original date of purchase but I do have receipts from both merchants. They took both amounts from my account the day I bought them ( XX/XX/XXXX and XX/XX/XXXX ). That left my account at XXXX XXXX I got paid and they withdrew a XXXX time. Lowering my balance. I can't afford grocceries now and I tried contacting them. They were in denial about the whole thing even tho my partner also saw the charges were charged the day after. I bought on XXXX after and that got double charged too. They're stealing my money and want compensation since it's been going on for awhile but I haven't noticed it until I looked hard and see my purchase date and withdrawal dates kept changing on the app. I don't have exact ss 's but I have screenshots below showing the pending yet they took money out of my account. They're going to charge me again.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
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 a XXXX at Fifth Third Bank ending in # XXXX. I identified a fraudulent transaction posted to my account on XX/XX/22 from XXXX XXXX for {$49.00}. I called Fifth Third Bank and had the card blocked, closed, and disputed the transaction. They moved my balance to the new card including the fraudulent transaction! On XX/XX/22 they posted a XXXX XXXX to # XXXX and credited my new XXXX ending in # XXXX. They left the {$49.00} transaction on the old account # XXXX and showed the {$49.00} past due on the old account. I can not get them to zero out account # XXXX and they continue to report it to the credit bureaus! I have spoken with two Branch Management teams and requested they correct this, but neither one has corrected it. I have never been late making a payment! Please request they correct my old account to be closed due to fraud and show the balance to be XXXX! Thank you!
Company Response:
State: FL
Zip: 34104
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a credit card with XXXX Bank. I am usually very punctual with my payments. However, during the pandemic lockdown, we were forced to make some very difficult decisions for our finances, resulting in four late payments. This organization placed four negative marks on my credit because of these late payments. I recently contacted them to ask if they had any pandemic forgiveness programs to have these removed. They claimed that they sent me a notice during the pandemic that would have helped my situation, but there is nothing they can do now. According to them, I am stuck with these negative marks on my credit.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been with Fifth Third bank for many years and never had this problem. On XX/XX/2023 I put a deposit into my account of {$7500.00} of XXXX XXXX. The deposit cleared XXXX also on the XXXX. On XX/XX/2023 I put another deposit in the bank of {$6300.00} XXXX days later when checking into my account the deposits were there but the funds were not available. I went to the bank and they told me that the funds were marked as inefficient and would take a week to be good. I asked why and they said that it was because I put them in their ATM attached to the bank. I told them that I have been doing this for years and they said they could do nothing.I asked why no sign on the ATM about this with no answer. They said if I wanted this not to happen again to come in to the inside teller window. The cost of interest I had to pay on my bills because of the delay was not wright The bank should at least put a sign on there ATM informing customers of this!
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX Re: Loan # To whom it may concern: My name is XXXX XXXX and I became a customer of 5th 3rd bank on XXXX XXXX XXXX, when my mortgage loan was purchased from XXXX XXXX XXXX XXXX. During this process, I was under the impression that the deal had been made between my old servicer (XXXX XXXX XXXX) and my new servicer (5th 3rd bank) and the only thing I needed to do was start making payments to 5th 3rd bank. To date, I have made all of my mortgage payments in full and timely. On XXXX XXXX XXXX, I received a message from my homeowner's insurance company XXXX) that my insurance policy will expire on XXXX if the payment of XXXX was not received. I contacted XXXX XXXX XXXX on XXXX and made changes to my policy and at that time the payment amount changed from XXXX to XXXX. I sent the updated EOI (Evidence of Insurance) to 5th 3rd bank on XXXX reflecting the amount of XXXX was the new amount that needed to be paid to Hippo Insurance. I called back 5th 3rd bank on XXXX XXXX XXXX, to inquire if the payment was sent out to Hippo Insurance. I was advised that payment for XXXX was sent via regular mail on XXXX XXXX XXXX, and to allow 7-10 days for the payment to be received and processed. On XXXX XXXX XXXX, I received a call from XXXX XXXX XXXX who claimed to be my case manager. During the call I was advised that once XXXX XXXX received the payment that was mailed out on the XXXX XXXX XXXX XXXX there would be nothing, they would be able to do with that check due to there being a "stop payment" placed on that check and another payment will be overnighted on XXXX XXXX XXXX At this time, I became very upset due to my concern about being charged returned check fee, etc. XXXX apologize and said, "the overnighted payment will beat the payment that was regularly mailed on the XXXX XXXX XXXX". I had additional questions and reached out to XXXX on XXXX XXXX XXXX XXXX XXXX, and I never received a call back. During this time that I had been getting the run around from all of 5th 3rd banks representatives, the weather in my area in XXXX was very dangerous and extreme (trees falling into homes, etc.). I was very nervous and stressed knowing that I was getting the runaround and my homeowner's insurance had expired on XXXX. I did the next best thing I knew to do and obtained new home insurance to protect my investment and your collateral to my loan. I sent the new EOI (Evidence of Insurance) from XXXX for XXXXXXXX XXXX XXXX XXXX XXXX. I called back 5th 3rd bank on XXXX XXXX XXXX, and spoke with XXXX with ID #: XXXX to ask checking on the issuance of the payment. XXXX advised me that I had to work with XXXX and she would send him an email asking him to call me back. I advised XXXX that I would work with him but he does not call back. At this point, I asked to speak with XXXX supervisor and she advised me that I could not speak with anyone but XXXX. I informed her that XXXX has not returned any of my calls from the multiple messages I left him. I asked XXXX if she denying me a manager, as it's a simple yes or no question? XXXX advised me that she did not feel comfortable answering with a simple yes or no. In spite of this, XXXX just continued the reckless treatment I had received thus far. At this point XXXX finally decided to get me over to her supervisor's voicemail. I did leave a voicemail and to date (1/30/2023) I am still waiting to hear back from that manager. On XXXX XXXX XXXXXXXX XXXX decided to call me back and confirmed the payment that was mailed in "Regular" mail on XXXX XXXX XXXX, had a stop payment on it, the payment that was supposed to have been overnighted never was overnighted and there was a payment put back in the "Regular" mail on XXXX XXXX XXXX. I requested to speak with XXXX supervisor. XXXX transferred me over to his supervisor by the name of XXXX at (XXXX). I expressed to XXXX how inefficient 5th 3rd bank representatives are and how frustrated I have been because I am continuously getting the runaround. I asked Talley why, with the severity of the issue that was going on with the expiring of my homeowner's insurance for nonpayment from my servicer, the payment wasnt wired to the insurance company, as originally promised. XXXX advised me that to wire, 5th 3rd representative would have to have the insurance company's wire information. I was even more shocked and felt brushed off and made to feel no urgency on the part of 5th 3rd bank to ensure their collateral and my loan was protected. I advised XXXX that he should have a coaching moment for his entire time on how to work efficiently and prioritize the customer in a situation like this, as it made sense to use the wire option. On XXXX XXXX XXXX, I reached out to the corporate office and spoke with XXXX with ID # XXXX who said she was a supervisor. The only thing XXXX was able to do is to confirm the payment schedule on the dates the payments were supposed to have gone out and the method the payments were supposed to have been made. Also, she provided a tracking # XXXX for the payment that went out overnight after I spoke with the representative in the Escrow Insurance department of 5th3rd bank. I received a call from XXXX on XXXX XXXX XXXX advising me that my mortgage payment amount will increase for XXXX due to a shortage in my escrow account being in the negative. WHY and how is this my problem? The shortage in my escrow account is a direct result of your companies incompetence and inefficiencies! I made my monthly payments on time every month, per my original loan documents that I signed. Those payments included money to cover my taxes and insurance. The duty of your company was to take those escrow payments and pay them in a timely manner. At this point, I am being strong-armed for my money as well as penalized because I am being made to pay for the inefficient actions of 5th 3rd bank. While I have reached out to a local Real Estate attorney for guidance in this matter, as I believe that your company has violated its fiduciary duty in the servicing of my loan, I am not willing to risk my home NOT being covered by insurance. Ultimately, I asked XXXX if he could reach out and request an emergency re-analyzation of my escrow account until I can get the payment back from XXXX and send it back in and XXXX stated that he was advised that could not happen until that payment comes back in. I dont find this acceptable and am writing directly to you, hoping you can remedy my account's egregious treatment. I look forward to your anticipated prompt response addressing my many concerns about the failed treatment of a "New" customer of 5th 3rd bank. Feel free to contact me directly. Regards,
Company Response:
State: CA
Zip: 95337
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I had 3 deferred payments on an auto loan, and was not made aware that the total balance would be due when the loan matured. No one stated this to me when I deferred the payments. Because no one told me this would happen, my credit score dropped XXXX points. To some it may not seem like much, but for those of us who are trying to build credit, it has a high impact. No one in the company put any effort in to helping me on this issue. In fact, a supervisor called me back 24 HOURS AFTER I had put in a call back request just to pacify me, and rudely implied that there is nothing they can do about it. It was reported that I owed a balance that is {$200.00} more than the representative told me I actually owe. This isnt the first time Ive had communication issues with the bank. It is almost impossible to speak to someone without being on hold, or constantly updating contact information that has stayed the exact same. I figured this bank would fairly treat its valued customers they seem to address us as. I would advise anyone against using this bank due to their lack of customer service and transparency in the loan process.
Company Response:
State: OK
Zip: 735XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: About 7 years ago I lent my cousin my fifth third bank credit card to provide some assistance during tough times. I never renewed this card, and figured when it expired after a couple years my support for my cousin would cease as well. However, about a month ago I received a notification from XXXX Bank regarding a credit card in my name that had a missed payment. I believe this cousin of mine fraudulently kept this account open past its original expiration using my personal information. I went to the physical bank on XX/XX/23 to figure out whats going on. I spoke with a banker named XXXX who said there was nothing they could do to remedy this issue. So now XXXXm stuck with {$10000.00} balance in my name with seemingly no recourse. Attached you will find two credit card statements. One is the one correctly addressed to my home. The other one is the address of my family member that perpetrated this act. I believe she finally switched the address on the account so I can assist her in payments. Additionally, I can not even access the account through Fifth Thirds phone line because after my social they request the account PIN number. Since I did not sign up for this account, I dont know the PIN and am unable to speak with someone.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello 53 bank, I tried to contact with claims department several times trough the phone, but after long wait nobody answered. So Im writting this claim to open a merchant dispute for 4 transactions made with my debit card ending in XXXX. XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX the expected delivery date was on XX/XX/XXXX, but the seller never provided a tracking number. I tried to contact them many times but nobody answered, starting XXXX XX/XX/XXXX by email and phone calls.
Company Response:
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I sold my XXXX on XX/XX/23. I requested a payoff statement from 5/3 bank through XX/XX/23, but it closed on the XXXX. That meant that 4 days of interest were due to be refunded to me. 5/3 Bank did refund the appropriate amount of escrow, but missed refunding {$110.00}. I caught the error on XXXXXXXX when logging into the portal. I called customer service and the woman escalated to a manager. They agreed I was correct, filed a claim, and said the appropriate amount would be refunded. When the check arrived, it was for escrow only. I called again on XX/XX/23 at XXXX and spoke with XXXX XXXX XXXX indicated that there was no record of my prior call, that I " must have spoken with another department '' and that he agreed with my analysis but would need to open up a case. He would not give me a case number and said I needed to wait 7 business days for a call back. The interest paid was for 17 days at {$500.00}. The interest per day was then {$29.00}, and if the loan closed on the XXXX, then I should have paid {$380.00} in interest. Therefore there is a refund due of {$110.00}.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A