Date Received: 2022-12-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I Deposited my XXXX bonus of an amount of XXXX to the bank personally on XXXX at XXXX. the Next day I found my account flagged for Fraud they put my account at XXXX so I couldn't use my current funds my Own money from my direct deposit from my current employer. I called the fraud department XXXX XXXX said i had to take physical evidence that the check was not fake I took them the deposit slip and my pay check stub which has my last four of my social security and how much the check was and check number. XXXX XXXX contacted 5/3 and verified that my check went through no problem. then called again today XXXX at XXXX was told my account is still flagged for fraud. I cant pay my bills this bonus was a life line for me I'm 1 month behind rent and cant access MY money to pay my bills. was told i would be contacted by a supervisor its XXXX now and not a single call back and no changes to my account.
Company Response:
State: IN
Zip: 46218
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A company called 5/3 Bank purchased my loan from XXXX XXXX. The new mortgage holder has recently paid the taxes on the house as required. This puts the escrow balance to a negative XXXX. This happens every XXXX when the taxes are paid. 5/3 bank has claims that my escrow shortage is {$7400.00} and because of that I must pay an extra {$610.00} monthly in order to catch up on the escrow balance. Their are wrong! Here are the escrow details. My annual insurance is {$1700.00} and the taxes are {$7300.00}. Which total XXXX a year or {$750.00} a month. But 5/3 bank wants me to pay {$1300.00} a month escrow. That calculates out {$16000.00} in escrow paid over the next 12 months. But the amount of my insurance and taxes combined is only {$9000.00}.
Company Response:
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a dispute with 5th 3rd for a purchase I made on XX/XX/XXXX something for {$31.00} to XXXX XXXX They gave me a provisional credit until they investigated. I received a letter in the mail that they were retrieving the credit as the seller provided proof that I received the product. Never did they say let 's discuss further or tried to get my side of the story. I made a purchase with XXXX XXXX sometime in XXXX. When checking out a used the XXXX XXXX to expedite the check out process. After the payment for the {$31.00} went through, I noticed that it had the wrong address showing. So I looked on the website there's no phone number only an email address. I immediately emailed them, till this day I still haven't received a response back from them. I waited to see if I would get the package since it was my old address and I had a forward to my new address in place. All it stated that they placed it in the mailbox. I immediately called my old landlord and basically the new tenant refused to give me the package. I called the post office and put in a claim and they stated that they'll go and retrieve the package they were unsuccessful. Please see all evidence.
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have been a Fifth Third Bank customer for many years. I have a XXXX XXXX XXXX I took advantage of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX approx. XXXX. I had no other balance at the time. I was XXXX in XXXX and my payment was a few days late. I made the payment and called about the {$29.00} late fee which was reversed. However, they are now charging me a default interest rate of close to XXXX XXXX I called XXXX XXXX XXXX and was told that the late payment was the cause. I indicated that I had been an excellent customer with no history of late payments and XXXX XXXX was excessive in this case. I was told nothing could be done. I went to the local branch the same dayto speak with a XXXX who was not in. The teller indicated an email would be sent to a XXXX in the proper department. This was XXXX weeks ago. I heard nothing. I paid the card off on XXXX XXXX, but was charged another {$110.00} representing the XXXX XXXX interest with the entire amount due in XXXX rather than a minimum payment. I think this is just consumer abuse
Company Response:
State: OH
Zip: 43537
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I had received a check from my Grandma for {$25000.00} and I had made a mobile deposit with the XXXX bank on XX/XX/XXXX before XXXX as it stated on their app if I deposit my funds between certain hours I will be able to have access to my funds the following day. Unfortunately that was not the case once I was notified that they will be holding my check until XX/XX/XXXX. I had asked them to remove the transaction completely I will be going somewhere else to do my business because I need my funds today as I was gon na be traveling out of state for family matter. They again denied me that opportunity. Once I had spoken to multiple people about me having access to my funds and I had gotten nothing but an answer as a " No '' I had given up and decided to start contacting higher management who would be able to help me resolve this issue.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Other transaction problem
Subissue:
Consumer Complaint: Money was taken out my checking account without my authorization. XXXX bank is refusing to initiate a dispute despite all my efforts to resolve the issue.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My husband and I applied for a mortgage with Fifth Third Bank and was denied three times starting in XX/XX/XXXX and ending in XX/XX/XXXX. After each denial, we had to convince the bank to continue to process our loan. After speaking with other employees at different Fifth Third branches it became clear that there was something else at play here. One employee explained the criteria for an XXXX XXXX XXXX, or XXXX, and we fit the criteria. That's when we decided to file a complaint. Upon receiving the third denial in XX/XX/XXXX, we informed the bank we would be filing a complaint and shortly thereafter, the bank made an " exception '' regarding the loan. The Michigan XXXX XXXX Department and the Office of the Comptroller of Currency contacted Fifth Third Bank and a response was received which is attached. We have composed a response to Fifth Third. We believe that Fifth Third Bank violated the Elliott-Larsen Civil Rights Act No 453, Public Act of 1976, as amended and Title VIII, US Fair Housing Civil Rights Act of 1968 as amended. We believe Fifth Third Bank discriminated by redlining or because of our race or both. In Fifth Third 's response, they feign incompetence rather than admit they violated the Elliott-Larsen Act and the Fair Housing Act. In our response, we assert Fifth Third would not expend such resources by blindly taking an application from customers that they may not be able to lend to because they have no products available. Fifth Third 's response was a flimsy excuse for discrimination. ( Fifth Third did not provide any exhibits with their response to us )
Company Response:
State: MI
Zip: 49444
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX unfairly denied access to thousands of my own XXXX funds I desperately need to access in order for to attend work, provide housing and food for my child after they were repaid for an overdraft caused by illness. The illness was caused by severe XXXX XXXX furthermore caused by a XXXXXXXX XXXX at work case that is going through litigation yet. XXXX refused to assist and management was unavailable and inaccessible to help.
Company Response:
State: FL
Zip: 33556
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth and third bank bought our mortgage for our original lender before covid happened. During covid me and my husband lost our jobs and where unemployed for about 3 months so we got behind on our mortage by 4 payments but we have been paying on time ever since. We got on one of the covid plans with our mortgage company and signed paper work to put our missed payments on the end of our loan. They refuse to honor that. We have been fighting with them for a year now about it. They keep sending us loan modifications that raise our monthly payments and we keep telling them we arnt signing them. We applied for a grant threw XXXX to get this taken care of. I applied in XXXX and they have been waiting on fifth and third to respond to their request since then. We have called them multiple times and told them this so they would contact them. They deny that they did try and contact them but then say that they did. Fifth and third call and harass us for payments constantly and we tell them the same thing every time they call. To either honor our original agreement to put the missed payments on the end of our loan or respond to the program we applied for and they dont want to do either and just make excuses. Now they took 2 payments from our bank account last month and are refusing to credit them to our account. Something needs to be done because this company is ridiculous and no one you talk to seems to have any answers.
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third Bank recently acquired the servicing rights to my mortgage. While trying to setup automatic payments I ran in to problems. Fifth Third Bank does not allow the setup of automatic payments from outside banks. This scheme is to try to increase the amount of late fees paid to Fifth Third. I did not originate my loan with Fifth Third. I will never willingly open a Fifth Third account. Fifth Third Bank could easily allow automatic payments like almost every other respectable loan servicer does, but Fifth Third chooses to try to collect ill gotten late fees and/or harass the client to open additional Fifth Third accounts.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A