Date Received: 2023-01-21
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 credit card dispute for suspected fraud payments with the Fifth Third Bank on XX/XX/2022. The dispute case number is XXXX. On XX/XX/XXXX and XX/XX/XXXX, I received 2 letters from the Fifth Third Bank that the dispute has been resolved in my favor and the credit has been applied to my account. Please see attached letters. I didn't make credit card payments from XXXX to XXXX as the charges were in dispute and the dispute was resolved in my favor. However, the Fifth Third Bank has sent my account to the collection agency for late payment and it has significantly impacted my credit history. I am getting harassed every day by phone calls from collection agency. I have spoken several times to the customer care representatives of Fifth Third Bank and have met Bank Managers and Regional Managers, and all representatives have tried to resolve the issue by filling internal complaints. A Bank Manager informed me that it seems to be a technical error that although the charges have been cleared but the balance is still outstanding. The collections proceedings should stop as the charges were in dispute and the now the dispute has been resolved in my favor. The Fifth Third Bank should be penalized for harassment.
Company Response:
State: VA
Zip: 20136
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am trying to get a home improvement loan with my XXXX XXXX. they aproved the loan, but then came back to me saying fith third bank had a mortgage on my home that had not been XXXX. I had refinanced with XXXX XXXX in XXXX OF XXXX AND THEY SENT THE MONEY TO PAY OFF XXXX XXXX THEN. I have been getting mortgage loan statements from fith third since then showing a zero balance. when i called them about this in the beginning of XX/XX/XXXX they said there was a balance of {$130.00} but they could not tell me what they were for or why they were not included in the pay off in XX/XX/XXXX. At the end of XXXX they waived the fees but did not close the account. I did not find this out until mid XXXX when they said will close the account. since then they have sent me letters quoting an older mortgage and a letter saying an account with a different number then the one i was having a problem with was paid off. On XX/XX/XXXX they said they would fax a letter to XXXX XXXX XXXX XXXX saying that they have discharged the mortgage that has not happened yet. I just what to get this resolved and to get a letter from them shoeing that they do not have a lein on my home, thank you
Company Response:
State: MI
Zip: 48150
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX has repeatedly called me and my husband everyday several times a day. I am being threatened about a fifth third bank account that they claim had transactions between the year XXXX. They explained that they sent mail to my address 45 days prior to the repeated harassment calls. I have never received any mail from this company I even checked my usps informed delivery to be sure something wasnt missed on my end and nothing was sent. Ive asked several times for details in regards to date and transaction of the debt theyve threatened to sue me about but they tell me they dont have information. Me and my family are being harassed and threatened by this number. Ive also attached my call logs and my husbands.
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After paying an invoice of {$660.00} on XXXX XX/XX/XXXX for an escrow increase on my mortgage with Fifth Third bank, the monthly payment still slightly increased by {$43.00} from {$1900.00} to {$2000.00}. I incorrectly and admittedly sent in the prior payment amount of {$1900.00}, and Fifth Third accepted and deposited the payment on XXXX XX/XX/XXXX but did not apply the payment to my account despite receiving the payment on time. The entire principle and interest amount was correct. Only the escrow amount had to be corrected, and the escrow disbursement wasn't due for another four months in XX/XX/XXXX. On XXXX XX/XX/XXXX, I paid the {$43.00} via Fifth Third 's website the day after first getting a voice mail to return Fifth Third 's call on XXXX XX/XX/XXXX. To date, Fifth Third has refused to apply to my account the mortgage payment payment of {$1900.00} received by Fifth Third on XXXX XX/XX/XXXX or the additional payment made for the escrow shortfall of {$43.00} received by Fifth Third on XXXX XX/XX/XXXX. Rather, Fifth Third acknowledges both payments received constituting the entire new mortgage amount but continues to hold the payments without applying to my account and has advised they will be charging a late fee. Fifth Third is choosing not to apply the payment they received and deposited without applying the credit to my account. Fifth Third was very prompt in notifying me of the issue with two phone calls, one to me and one to my spouse on XXXX and XXXX XX/XX/XXXX, but has done nothing since receiving the additional payment to apply the payments made to my account on XXXX XX/XX/XXXX, despite three subsequent conversations on XXXX XX/XX/XXXX. This is an example of a big lending institution working to intimidate me as a consumer, find an excuse to charge additional fees, and ignoring my immediate efforts as a conscientious consumer to correct a minor {$43.00} error while Fifth Third held a {$1900.00} payment already made.
Company Response:
State: WA
Zip: 98119
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was lead to believe I was getting a at home but then the company hammy cash in a check of {$1400.00} on XX/XX/XXXX to help pay for my equipment see it on XX/XX/XXXX to send me {$2400.00} on a check both through email, then on XX/XX/XXXX XXXX cashed in a check of {$650.00} he told me to use the XXXX and the XXXX checks to buy gift cards with {$500.00} consisting of them. They also told me to keep {$250.00} of that {$650.00}. I have made it into my account but on the XXXX. My account reached- {$1400.00}, the check bounce, and when I went to report it with my bank, the investigator came back and told me that all the checks that I put in were fraud but since I used them even though I didnt know they were fraud since I still use them. I still have to pay for the negative debt. FifthThird rejected my ask for help and told me that I still have to pay off the debt.
Company Response:
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Fifth Third Bank is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XX/XX/XXXX I called MyXXXX card to report that my card had been damaged. I specifically stated that my card was NOT lost and had never been out of my possession and I needed a duplicate card sent. I made sure to let the representative know before that my direct deposit would be coming there and I did not want to cancel the card if that is what they had to do because it would leave me without access to my money for 14 business days. She assured me it wouldn't and that a replacement would be sent out. I followed up on XX/XX/XXXX because I had not received the duplicate card and I was informed that the card was reported LOST not damaged and I would now have to wait for a new card with no access. I asked to speak to a supervisor and was transferred. The supervisor advised that he could send out a card overnight to me that day. I asked specifically if the card would go out the next day because now I have no gas and no way to get to work. He advised that it would. He lied because I chatted by the app this morning and the representative lied and said the card wasn't even processed to go out until tomorrow. I called and requested a supervisor and He said that the card had been processed today and would go out in 1-2 business days, which is not overnight. They had repeatedly given wrong information when had I known the correct timeframes, I could have done an ACH transfer of my funds to another card to at least have gas money and food. They have done this deliberately by giving knowingly false information. The first supervisor neglected to tell me that I had called past the cutoff time of XXXX XXXX for the card to go out that day. Had he given me the correct information I could have initiated an ACH transfer out and I would have had money in my credit union account at least by Friday morning and only miss one day of work. As it stands, I will miss four days of work.
Company Response:
State: WA
Zip: 98408
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have made XXXX principal payments on my current mortgage at fifth third and the full amount was not taken off the mortgage. I have tried to resolve this with the institution but they are giving me the run around. I have called XXXX XXXX XXXX XXXXXX/XX/2022 to make sure my extra payment of {$1800.00} was made on XXXX XXXX. It was not applied! No action was taken by Fifth Third
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX First they called my mother. She told me they called when I got home today. Threatened that I would be served Monday if I didnt give them at least {$400.00} down and {$100.00} a month towards the debt. I dont have this amount of money. They then asked me to put it on a credit card or ask a family member for it. Its not on my credit report so I dont think I owe it anymore. They said my wages would be garnished at {$550.00} a check. I offered them {$30.00} a month which I can afford and they said its not enough. They said I owe {$3300.00} but will accept {$1300.00}. Said if we go to court it will be {$5200.00} after lawyer fees. The company was called XXXX XXXX and XXXX in XXXX XXXX, Ca. The debt is nearly XXXX XXXX XXXX and I didnt even owe {$500.00} initially. They also tried to get me to sign something over email. They said there was no statute of limitations on this debt too.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
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: 5/3 Secured Credit card complaint -Contacted bank on this date for refund process : -Contacted bank for a follow up after XXXX business days : -Bank Canceled my check after stating that I would like to just wait rather then canceling, getting a call back from supervisors supervisor. XXXX said on pre recorded line that it wont be canceled. -Followed up next business day to find out that the check was indeed canceled so talked to another supervisor about the situation, and they issued me another check When I called back on Saturday XX/XX/XXXX almost a month after issue date, They asked about my zip code and realized I moved. So this entire time I figured they knew I did when pulling up my account but they realize at the fourth refund check they have been confirming the incorrect zip so identity theft could have occurred. On Saturday they issued me another check. Today after I cashed a check for cash from work I followed up on the case and the lady said that the check was not even issued Saturday XX/XX/XXXX so XXXX XXXX on the phone trying go get this check issued the XXXX time. I asked on the phone what date on business day would be the latest the check should arrive. He will be escalating me to supervisors voicemail as well so he is inform I have been in contact with the CFPB. I would like the following :
Company Response:
State: MI
Zip: 49002
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A