Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard inquiries were pulled on my credit report that I didnt not authorize or give permission to be ran by. Those companies are : XXXXXXXX XXXX XXXX XXXX XXXX Fifth Third Ban, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those companies have ran my credit across all 3 major credit bureaus : XXXX, XXXX and XXXX XXXX.
Company Response:
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: There was damage done to the house by Hurricane IAN. Insurance company sent check. Check was endorsed and sent to Fifth Third bank. They are holding the fund until contractors sign a waiver of lien. The waiver of lien form does not look like the one specified in Florida Statute 713.20. The real problem is that the Bank places the consumer in a catch 22 situation where they won't release funds until a waiver is signed. The contractors won't sign wavers until they are paid. So I paid out of pocket one contractor and put a deposit with another. I have uploaded documentation to their website and still no funds have been released. The following documents are required : Contractor waiver of lien - A lien waiver is a document from a contractor, subcontractor, materials supplier, equipment lessor or other party to the construction project stating they have received payment and waive any future lien rights to the property for the amount paid. Asking someone to wave their legal rights before they have been paid is ludicrous. Not releasing any funds makes the entire point moot.
Company Response:
State: FL
Zip: 33952
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I had a checking account with Fifth Third Bank since XXXX of XXXX. Starting XXXX of XXXX, they started charging me a monthly service fee unknowingly and they are trying to justify it using a long disclosure that contains a lot of information. Since, I have been a customer for a long time, I was expecting a reminder from them before they start charging me. In my estimation, they took advantage of me not being aware to charge some fees that they can't otherwise justify it.
Company Response:
State: MN
Zip: 56308
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The bank gave me the wrong email to send proof of payment by another method when I disputed a charge by XXXX that made a charge to my debit card that I did not authorize. I requested the bank expedite the reversing of a debit because they said they did not receive proof. The bank refused to expedite the reversal which caused my account to be overdrawn and will cause a financial hardship.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I had received XXXX {$500.00} prepaid cards from my past landlord as part of a lease renewal program. Didn't realize they had an expiration date of XX/XX/21 so I attempted to get them reissued. The cards were being serviced by XXXX. I called them and every time it just says bye and hangs up. I find out later by calling XXXX ( card disclosure said they where servicer ) that they have no information on the cards and that XXXX has closed down ( XXXX also was taken over by another company ). I then called XXXX and XXXX and since they are the brand on the card and they both have no information on the cards. Finally, I attempted to call Fifth Third Bank since the disclosure says they issued the cards ( they also were former owners of XXXX ). In trying to talk with them they said they do not have the cards in their system and would not pass me on to a Supervisor/Manger because I am not a customer and could not be " verified ''. As issuer of the cards I feel the ball is in Fifth Third Bank to make good on these XXXX cards.
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: When I opened the Home equity line of credit at my local XXXX Bank in XXXX Michigan, I was told that before the 1st year ends, I could call and lock in the 1.99 % year one promotional rate for {$50.00} fee. I called today to lock in that rate and was told that is not an option, that I can not lock in a promotional rate, that I could lock in a rate of XXXX0.24 apr for {$95.00} dollar fee. I was told when I opened the account to take advantage of this year 1 rate by spending now and locking in the rate. I was lied to, and the company could care less.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My mother died early XXXX XXXX As XXXX, I began initiated attempts to access her checking and savings accountsat 5/3 XXXX Bank in XXXX I provided the XXXX XXXX XXXX and a letter with instructions for the institution written by mother 's XXXX XXXX XXXX XXXX of the 5/3 office on XXXX XXXX XXXX XXXX XXXX XXXX. He told me that I " would have to go to court '' for the money. I was frankly, dumbfounded. He refused to give me any alternatives or offer an explanation. Over the next weeks in conversations with my mother 's home branch in XXXX XXXX XXXX I was told that the account was in my brother 's name, " we can't talk to you '' ; then, 'Oh, a mistake was made, they're working on it, I'll get back to you by the end of the week. '' Calls did not come, and it was I that reached out again, to be told, " Oh, a mistake was made, we're working on it. At no time was I given access to those " working on it, '' or frankly, what it was they were working on. At no time was I sent documents that anything was being " worked on. '' A After a month, I was told by a receptive manager at the XXXX XXXX XXXX was ready, and that my local branch on XXXX XXXX XXXX would be prepared when I arrive. I should arrive with the documents. I arrived mid-XXXX on XX/XX/XXXX, roughly a month following my initial visit, with the same documents. The manager wasn't prepared for me, in any sense of the word ; in fact, he was disinterested, in virtually every sense of the word.I was told : " Oh, I've been busy with my XXXX XXXX all day ; '' that I would " need an appointment ; '' that he had never done " this kind of paperwork before. '' So I sat while he contacted the XXXX XXXX office manager and she walked him through working with the same documents that I had brought to his office a month prior, and been told, " You'll need to go to court. '' The transfer of my XXXX XXXX XXXX was accomplished. The manager then asked, " Is there anything else we can do for you? '' in the most disinterested manner possible. And I replied, " Yes. The next time so you're presented with a task unfamiliar to you, simply say, 'This is new to me. Let me call someone who might know more. ' Telling a person they'll have to 'go to court, ' that is not acceptable. '' The manager apparently did not appreciate my message, or my attitude, because he jumped up, yelled, " Leave my office, now! '' and then yelled for the guard, claiming that, " This man is throwing furniture! '' XXXX XXXX were called, whom I frankly welcomed. In the meantime, the manager is shouting in the background, " You'll never come back here again! '' I walked outside to await the officer 's arrival. Following that conversation, I left the property. Needless to say, I have no desire to have anything to do with 5/3 Bank again, other than filing this complaint and obtaining possession of the belongings stored in that office 's lock boxes. I have never been so frustrated, so angry, and so humiliated in my life. And I would like to hear from 5/3, which does not seem the least curious about why a customer would be irate over being told, " If you want your money, sue for it. ''
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: XXXX XXXX XXXX - fraudantly ran my credit report for a mortgage without my permission, did not verify appropriate SS, License information before submitting inquriy.
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My bank Fifth Third, cashed a check for {$1400.00} on XX/XX/2023 that was made out to my mortgage Company XXXX XXXX XXXX XXXX. to an individual via a mobile deposit as indicated on the electronic copy of the check. I notified the bank and filed a Fraud Report with evidence from past mortgage payments to XXXX XXXX XXXX that it was NOT XXXX who cashed the check but an individual person. They are refusing to reimburse me for the {$1400.00} when they are the ones who took funds from my checking account and gave that money to a person who was not the recepient as clearly indicated on the check. They claim that they have to " conduct an investigation '' and it could take up to 180 days before they make a decision. In addition, because a random person has my checking information, I had to open a new account which will have severe impact on my ability to pay bills because they will not release my direct deposit to my account until they " verify '' that it is legit because it is a " new '' checking account even though I have been a customer of theirs for nearly 20 years. I also pay them for a service that is supposed to monitor my financial accounts for fraud and notify me immediately if something is wrong. I was never notified of this, and in fact they did not even catch this. It was XXXX that brough it to my attention when they called me to collect my past due mortgage payment that per my bank statements indicated that I had paid. I have attached a copy of the Fraud Report that I filed with Fifth Third as well as a copy of the check that they cashed to the unintended recepient.
Company Response:
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A