Date Received: 2023-01-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Discrimination because I am XXXX
Company Response:
State: IN
Zip: 46818
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I previously had an account with Fifth Third Bank and account we overdrawn for too long and they closed my account back in XXXX and they sent me charge off paperwork XXXX to file with my taxes in XXXX and I filed it and I was told things would be clear and I could re open an account with them and any negative reporting information would be removed and it is XXXX and I still am unable to get an account with them and negative information as overdraft and fraud is reporting which is not accurate.
Company Response:
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
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 bought a house XX/XX/XXXX. I opened an account with XXXX internet services in XXXX, Virginia for the house i was moving in. I set my account up with autopay like i do all my bills and they took monthly payments out of my account of {$54.00} like authorized. They made a mistake when i set up my autopay over the phone after having fraud on my account and charged me {$100.00} in XXXX. I called XXXX and they refunded me the {$50.00} for overcharging me in XXXX but then in XXXX they charged me a payment of {$160.00} and when i called XXXX they said it was because they never received a payment from me in XXXX. That is negative i have bank statements to prove that i paid them every single month. I explained to them everything and they removed the fees and refunded me {$63.00} but would not refund me the rest of my money because they kept saying that i owed them because i did not pay them in XXXX which is not true. So $ XXXX {$63.00} = {$100.00}. They owe me {$50.00} since i pay {$54.00} a month and they charged me {$100.00}. I disputed the {$160.00} with Fifth Third Bank after explaining to Fifth Third what happened and walking through each month to confirm all the payments that i made. In XXXX I continued my {$54.00} payment as scheduled and when XXXX refused to give me my money back i closed my account with them and paid my remaining balance in XXXX of {$14.00}. I still have not received the {$50.00} that XXXX owes me and Fifth Third canceled my dispute even after all the evidence that i sent and the proof of my bank statements. I attached all the bank statements of XXXX. I can not access XXXX XXXX Bank statements from my mobile app since it only shows me XXXX bank statements but i attached a screenshot i took a year ago to prove that i had made those payments in XXXX, XXXX, and XXXX.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX Consumer complaint against Fifth Third Bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau : The reason for filing this complaint against Fifth Third Bankand XXXX XXXX XXXX is that the bank incorrectly debited a total of {$2400.00} from my account. The bank opened an investigation and ( wrongly ) concluded that the transactions were legitimate. These are the facts : On XX/XX/XXXX I contacted Fifth third Bank customer service because I realized that a total of {$2400.00} were wrongly debited from my account. I referred to my statement and found that : XX/XX/XXXX, XXXX {$400.00} dollar cash withdrawals ( totalling {$800.00} ) were posted to my account. In fact, I only withdrew {$400.00} from the ATM. XX/XX/XXXX, I asked a banker about increasing my daily cash limit. He told me I could simply insert my card twice. XX/XX/XXXX, I withdrew {$800.00} from the ATM ( by making XXXX {$400.00} withdrawals ). However according to the statement, {$1200.00} were debited from my account XX/XX/XXXX, I withdrew {$800.00} from the ATM ( by making XXXX {$400.00} withdrawals ). However, according to the statement, {$1600.00} was debited from my account XX/XX/XXXX, I did not make any withdrawals however, according to the statement, {$800.00} was debited from my account. ( Please see attachment # XXXX ). XX/XX/XXXX and XX/XX/XXXX the bankers contacted the dispute group because a total of {$2000.00} was incorrectly debited from my account. XX/XX/XXXX, the bank closed my account ( # XXXX ) and categorized it as high risk. Additionally I was banned from reopening an account for XXXX years. XX/XX/XXXX, I spoke with the branch XXXX. He stated that nothing more could be done. XX/XX/XXXX the bank claimed that the XXXX XX/XX/XXXX transactions were valid and requested that I return a {$400.00} temporary credit they had given me. XX/XX/XXXX I requested to XXXX XXXX XXXX via certified mail, a copy of the evidence that led the bank to determine that all the transactions were legitimate and that I was not entitled to any restitution. XX/XX/XXXX I sent a check to XXXX XXXX XXXX XXXX XXXX XXXX, Ohio for {$180.00} ( of {$400.00} ). XX/XX/XXXX I sent a second check for {$210.00} ( totaling {$390.00} of the {$400.00} ). Additionally I requested a {$0.00} balance letter. They responded by saying that {$1.00} was missing. XX/XX/XXXX, I deposited the remaining {$1.00} to Fifth Third branch in XXXX, XXXX XX/XX/XXXX finally I received {$0.00} balance letter ( attachment # XXXX ) from XXXX XXXX XXXX of the collection agency and emailed it the same day to XXXX ( see attachment # XXXX ) At this point, I believed the issue was resolved. On XX/XX/XXXX I found a letter in my mailbox from Fifth Third bank ( they dated XX/XX/XXXX ), it stated that the collection agency ( that they hired ) had not confirmed my {$400.00} total payment to them. Fifth Third bank refused to acknowledge that I returned their {$400.00} temporary credit last XX/XX/XXXX. Finally, in the event that I have been reported to a XXXX I would ask that my status as delinquent be rescinded promptly. XXXX XXXX XXXX GA XXXX XXXX
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, {$2500.00} was fraudulently transferred from my son 's 5/3 Bank Account to my wife 's 5/3 Bank account - and the then 2 amounts totaling {$1000.00} were fraudulently transferred by XXXX to XXXX XXXX ( XXXX ) XXXX with payment ID XXXX and XXXX. I immediately contacted 5/3 bank that day to dispute the charges. I was told that I could not dispute them until they posted to the account - and to call back once they posted. They came out of pending status and I contacted 5/3 Bank again and filed the dispute. The claim number is XXXX. I was told the investigation takes 10 business days and that they need the 10 days to " try to get the money back from XXXX ''. On XX/XX/XXXX, I contacted 5/3 and was told by a member of the Dispute Team named XXXX that my fraudulent charge claim was denied because I replied to a text about the charges with an authentication code. According to XXXX, this charge would not have been allowed to go through unless I responded to the text message with the authentication code. According to XXXX, this code was sent to my phone number ending in XXXX and was responded to at XXXX. I collected all of the phone records from XXXX XXXX and reviewed the time in question. No messages were received or sent in that time frame from 5/3 or anyone else. I filed a dispute with 5/3 and emailed them my entire text message record as well as screen shots from my phone, clearly showing that no text messages were received from 5/3 and at no time did I ever send a verification text to 5/3. I was told they would need 30 business days to investigate. As of the 30th business day I had not heard from anyone. On XX/XX/XXXX, I received a letter from 5/3 dated XX/XX/XXXX. The letter stated that my dispute was denied. The letter concluded with the line, " Please let us know if you have questions or would like copies of the documents we used in our research. '' On XX/XX/XXXX I contacted the dispute team and asked for copies of those documents. I was told by XXXX that there are no documents and what I received was a form letter. When I challenged this, she transferred me to her supervisor, XXXX, who confirmed that there is nothing they can send me documenting the investigation process or what specific proof they are basing their denial on. She suggested I go to the branch office and they may be able to let me look at their computer and see the outgoing text message that was sent to verify the transaction and the alleged verification that came back from me. I assured her that, having been in a 5/3 branch office, I was certain that no one there would do this for me and they certainly would not let me sit behind their computer. XXXX said that she would send a request back to the investigator to see if they could produce any documentation and that I could call back in 2-3 business days to see if she was able to obtain that. Each call is between 20-30 minutes on hold before I can speak to a member of the dispute team. It's obvious that 5/3 will continue to drag their heals and have no intentions of returning my money. Please help!
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
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: During the nationally mandated shelter at home policy that then continued in my State of IL I was reported late by my credit card companies. I tried to be proactive and ask for help early on in 2020. However, these companies did not have assistance programs in place yet so they reported me late over and over month after month during the start of the pandemic. I have tried to dispute prior to now based on the HEROES ACT, my perfect pay history before the pandemic and my current pay history status, my proof of having the XXXX and proof that my state of IL is still under a state of Emergency per our Governor XXXX who has made his own calls. I should not be penalized because the companies did not have programs in place yet, the pandemic shutting the world down, caring for family who were affected by XXXX, caring for myself when I contracted XXXX and being in the XXXX and XXXX industries which were some of the hardest hit. It was no ones fault why should anyone be punished?
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a notice that I do not have insurance on my home and threatened to have insurance bought for me. I have insurance and provided proof of insurance at the time of switching companies. Now I am responding to your letter a second time and nobody in the insurance department will answer the phone. After 25 minutes on hold you disconnect me. If you are unable to service my loan sell the servicing rights. Most incompent bank I've ever dealt with.
Company Response:
State: PA
Zip: 16506
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: When I pay my mortgage online I am given three options : 1 ) Pay full payment 2 ) Other amount 3 ) Pay toward principal I wanted to pay biweekly using the Other Amount option, but I received the run-around. My payments appeared as Unapplied Credits in my account. I assumed this would resolve itself, however, I later received a letter from my bank ( Fifth Third ), and I quote : " Our records show that we received a payment from you. However, because this amount is different than your regular monthly payment, we are unsure what to do with these funds. '' This situation worsened when I received a check in the mail for one of my partial payments. At this point I called the bank ( Fifth Third ) to sort things out. I was assured that when I resubmitted the returned payment, my missing mortgage payment would be resolved. Instead I received another letter ( as quoted above ), in which the bank was confused as to why I was sending them money. I called again prior to submitting this complaint. This time I was assured by a bank representative ( Fifth Third ) that my money would be properly applied toward my mortgage payment. I'm submitting this complaint regardless because this SHOULD NEVER HAPPEN.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: This company has been trying to collect a debt that I do not owe or have knowledge of. Several of my consumer rights has been violated including calls at XXXX.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
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 U.S.C.1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection or closed account found on my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying identity information to apply for goods, services, or money, and was successful in creating false accounts. All is being investigated by FTC
Company Response:
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A