Date Received: 2022-12-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made 3 transactions on XX/XX/XXXX, XXXX XXXX XXXXXXXX, {$810.00}, XXXX XXXX XXXX Same item and ammount for the 3 transactions. The purchase was made on the store but due the big size of the boxes I requested to have this shipped to my home. The seller never sent the items, also never provided a tracking number or shipment information. I tried to contact the merchant several times but they never answer. Must be delivered on or before XX/XX/XXXX, first contact with them was on the same day, XX/XX/XXXX, and the last XX/XX/XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 it states I have the right to privacy. 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/2022 tried to access my account online. Stated I had tried to access it to many times- then another error message displayed that said it wasnt registered. Clicked link for reset- only option was reset login info & not password. Reset page asked for full social Security number and full account number and full name and DOB. On a previous request at branch to fix similar prior issue due to website stating I had not registered my account. The passcode they gave did not function. Someone keeps unregistering my account. There also appears to be no security for online resets. No two step authentication methods.
Company Response:
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On a shared credit card with myself and my XXXX there was accidental charges on a vacation overseas as 53rd now has designed their debit cards with a near identical design as their debit cards. As a result several XXXX dollars were charged on our credit card we had never used in the XXXX years we had it. This card was not linked to our online banking, which is how we do all our banking and bill paying. Despite being told by multiple people at the local branch, it is standard practice and policy to have all the accounts a client has under XXXX login profile, after XXXX visits there and several hours they were able to link it. This was after they reported missed payments to credit reporting companies, dropping my credit score over XXXX points from around XXXX. This will cause SIGNIFICANT financial hardship in extra cost of borrowing for future mortgages and loans, based on a missed {$600.00} payment I was not aware of, of which was paid in full the same day I was made away of it, not from 53rd but a credit alert from XXXX XXXX. By the time I was alerted of this, 53rd refused to correct this on reporting despite over XXXX years of on time payments and this being a result of a glitch in their technology ( which they actively push everyone to use ). This glitch in their technology is written off by them by saying they mailed statements, of which I have no confirmation we ever received, and their next measure was to have a XXXX party agency call my cell phone and demand I give them my Social Security and other personal information BEFORE they could give me any details on who I was giving this information to or what it was regarding. I think anyone with a hint of good personal security procedures would find this a grossly negligent method of attempting to alert a customer of a balance due that results in 53rd likely gaining extra interest and fees through a knowingly inadequate and dangerous method of collections.
Company Response:
State: MI
Zip: 49001
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I can not reach ANYONE at 5th third bank. No ability to go online to even register without a " Pin Number '' which I do not have. I am not receiving any monthly statements on my HELOC.
Company Response:
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/22 my account had a negative balance. I transferred some money in and went to the closest branch when I got out of work to deposit cash to bring the account positive and cover upcoming transactions. To my dismay, the ATM was not accepting cash. I reported it and messaged with a representative when I got home whose only response was " go to another branch '' which was not possible. Then I was charged {$110.00} in fees and several transactions are being returned, which will cause more fees. I have a photo of the ATM telling me it was not accepting cash, and screenshots of my conversations with the representative and can provide those.
Company Response:
State: NC
Zip: 28110
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2022, I made a wire transfer From 5/3 Bank located at XXXX XXXX XXXX, XXXX, TN XXXX to XXXX with an amount of {$4700.00} to another bank in XXXX. For some reason the wire went and they didn't recognize the receiver, I requested my wire amount to be returned from my Bank 5/3 bank. They approved the return request beginning of XX/XX/2022. Right now, they can't get me the fund back, they keep saying they lost the money and kept saying they are communicating with the other bank in XXXX and can't find the money, they can't do their due diligence and they are intentionally don't request the money from the other bank, 5/3 bank also refused to give me their internal communication messages to prove if they already asked the bank in XXXX for my Money, I called the other bank in XXXX and they have no idea about the money and have no request from 5/3 bank. the amount has been as negative in my saving account for 2 month, it affects my budget and my family expenses, simply I need the money that my bank approved to return it two month ago, the bank manager is XXXX XXXX XXXX and her email XXXX. the teller who made the transaction is XXXX XXXX. my account is Saving account and my name is XXXX XXXX
Company Response:
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, my name is XXXX XXXX. Today I would like to write a complain to this bank company about my problem. My debit card somehow got stolen and used to purchased at this gas XXXX station for multiples transactions that I am not recognized. I called and disputed all of them with the 5/3 bank, then couple of days later I received a letter that they responded to my case with a DENIED status. Then I called and asked about it, the bank told me and gave XXXX reasons are : First, some transactions are in between that are not reporting as fraud at the time the dispute transactions occur. Second, the debit card was used pin to purchased. Third, Not call in and report it right away. I do not know what to do and how to resolve this matter. Please help. Thank you. XXXX XXXX in the amount of : {$520.00}, {$200.00}, {$100.00} -XXXX XXXXXXXX in the amount of : {$860.00}, {$610.00} XXXX XXXX, 2022 in the amount of : {$61.00}, {$570.00}
Company Response:
State: IN
Zip: 47630
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have/had a credit card with Fifth Third Bank that I had enrolled in their hardship program for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That hardship program allowed me to have payments automatically deducted for my checking account for those 12 months at a lower APR and for a preset amount. That program unfortunately ended last year and they never told me when I enrolled in the program that doing so would close my account and therefore close my access to my account online. I never went online during those 12 months because the payments were automatic I wasn't using the card as it was destroyed and I was only paying down my balance. When that 12 months was over or about to be, is went I went online to make payments and that is when I discovered that I no longer had online access to my account because it was " closed '' due to their policy. Now the only option I had was to make payments over the phone. I no longer had access to my card because I destroyed it and they advised me the only way I could make payments through their automated process was with my full account number which only appears on your card and you can't have a new card sent out on a closed account, which again, they closed themselves. Since the account number only appears on the card, not on any documentation or anything that I have, I only had my personal information like my social security number to verify with them so they could pull up the account and then I could make payments with them directly over the phone. Yes, THAT'S the only option I have is to make payments with them over the phone with a human being. It's a nightmare, to put it mildly. They can't even set up automated payments for a year at a time, they can only do automated payments for 4 months at a time. I don't even have access to be able to see my balance or to hear my balance because I don't know my account number and their automated system won't recognize my Social Security number. So only when I'm speaking with someone over the phone .... and therein XXXX XXXX XXXX Every time I call them to try and make payments and set up this XXXX XXXXXXXX at a time automated option I get hung up on at least XXXX to XXXX times before I'm able to actually speak to a human being who understands what it is I am asking for and who can help me pay my freaking account. Today I just was hung up on XXXX times in a row and refused to be helped when I asked to speak with a supervisor. They had the audacity to tell me that a supervisor was on the phone they wouldn't let me wait until me I had to call them back for a seventh time. Are you kidding me?!!? The number I contacted was XXXX. It felt like I was calling outside of the United States, no one 's first language seemed to be XXXX which is neither here nor there but it also led to the problem because nobody seemed to read the notes that I know are on the account or to help me in any way that even remotely looked, felt or was like customer service should be. I am in tears because this process shouldn't be this difficult all I wanted to do was to make payments and to get my balance and I've been on the phone for XXXX minutes and still have done neither. This is completely unacceptable no other company would be able to operate this way and still remain in business. It's unfair and totally impossible to deal with.
Company Response:
State: FL
Zip: 33603
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: XX/XX/XXXX we received 5/3 credit card statement with fraudulant charge -- account # XXXX. Called customer service to report. Dispute was resolved -- confirmation letter received and charge removed from next statement. However, a new card was to have been mailed to us on XX/XX/XXXX to receive in " XXXX business days ''. Card never received. XX/XX/XXXX we called customer service again. Replacement card ending in XXXX was to be deactivated and new card ending in XXXX was to be reissued that date. -- " allow XXXX business days to receive ''. XX/XX/XXXX card still not received. Called customer service and was instructed to " wait until XX/XX/XXXX as replacement card was actually mailed XXXX ''. If new card not received by XX/XX/XXXX, they would " expedite card ''. On XX/XX/XXXX replacement card still not received. Called again. Replacement card would be " expedited and should receive on XX/XX/XXXX or XX/XX/XXXX ''. On XX/XX/XXXX called service department once again. Representative quoted additional/different card # XXXX that had been activated/deactivated since XX/XX/XXXX. As of this date XX/XX/XXXX, NO replacement card has been received. We are VERY CONCERNED about all of these credit cards that have supposedly been issued and are floating around out there somewhere with our name on them.
Company Response:
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A