Date Received: 2022-11-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have never been able to access my Fifth Third Bank XXXX Checking Account. I have spoken to multiple Fifth Third Bank employees, and received an inconsistent range of responses regarding this issue : I have been told my account should be immediately accessible ; that it will take 14 days to access due to a " system glitch we've known about for over a year now '' ; and have been hung up on when requesting a supervisor or escalation for this issue. I need to be able to use my bank account, that is why I opened it. When I advised I would be filing formal complaints with the CFPB and XXXX, I was actually ENCOURAGED to do this by local branch employees, so that " something would finally be done about this issue ''. This is a ridiculous, absurd, and disgraceful first impression of Fifth Third Bank. I won't forget it, and hope the rest of my tenure with Fifth Third Bank is smooth and painless. Thank You in advance. XXXX XXXX
Company Response:
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I refinanced my mortgage through my existing mortgage holder, 5/3 Bank, in XX/XX/XXXX. At the time I refinanced, my property also had a {$3000.00} special purpose credit program forgivable loan with XXXX XXXX Bank. The XXXX XXXX Bank forgivable loan closed in XX/XX/XXXX and I had been under the impression, based on information that closing agent had informed me, that the interest only payments on it would be accelerated if the loan terminated prior to the stated 3 years for the loan to be forgiven, but that the loan would otherwise be forgiven. During the refinance process with 5/3 Bank, I was informed that the XXXX XXXX Bank closing agent had been incorrect on the interest only payments being accelerated and that the loan would either need to be paid in full or held for a specific period of time. I asked if the loan with XXXX XXXX Bank could be subordinated. The person in charge of the XXXX XXXX XXXX informed that the product would only subordinate if I was refinancing with them. When I asked where in the loan documents I signed did it say that, he stated that they would make an exception for me and would subordinate the loan so long as 5/3 Bank requested it. I went back to 5/3 Bank with the form necessary to subordinate the loan so that I would not have to pay the full amount of the forgivable loan. The 5/3 loan officer who assisted me with the refinance informed me that they could not do a subordination on the mortgage due to the product they were refi-ing me with ( easy home refinance ) would not allow for it. I contacted the XXXXapproved mortgage counselor who I had spoken with prior to beginning the refi. She researched it and spoke with the community lending manager at 5/3 and was informed that it was feasible for the loan product to have a subordination. When I provided this information to the loan officer, she told me again it wasn't feasible. I had to make the decision of proceeding with the refinance with the interest rate from when I started the process or continue to challenge to have the forgivable loan subordinated so that I would not have to pay it back. I chose to close the refinance and pay back the forgivable loan in full.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Fifth THIRD Bank is soliciting customers to use balance transfers with a XXXX percent interest rate, Along with the balance transfer is payment of a transfer fee which represents prepaid interest, Fifth Third is then charging cardholders interest on top of the balance transfer fee without conspicuous disclosure.
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Other transaction problem
Subissue:
Consumer Complaint: {$1000.00} was stolen from my account shortly after XXXX on Sunday XX/XX/XXXX. The thief created a XXXX account associated with my Fifth Third bank account in order to commit the theft. My phone was missing at the time of the transaction and I did not authorize the transaction. I discovered the transaction when I checked my email in the evening of XX/XX/XXXX. I filed a police report with the XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX certifying that I did not authorize this transaction, which I submitted to my bank ( Fifth Third Bank ) as part of the dispute process. Fifth Third has repeatedly denied my dispute attempts.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX i received a $ XXXX settlement for a XXXX and XXXX lawsuit for the medication XXXX. I went to my primary bank, Fifth Third, to deposit the check and the clerkXXXX XXXX, was immediately standoffish towards me. It's important to note that this law suite was for a XXXX med. Anyone who would be a part of this law suite would be mentally ill to some extent. XXXX XXXX XXXX XXXX XXXX fXXXX XXXX XXXX XXXX. I suffer from XXXX XXXX XXXX XXXXXXXX from childhood trauma and extreme bouts of life stress. It is incredibly hard for me to work. I can hardly even leave our home to take out the trash some days. I go to XXXX XXXX XXXX every week. I am unmedicated, due to distrust and stress resulting directly from the side effects of the medicine the settlement is from. My friends work very hard to take care of us. I'm very lucky to have such a tight group of caring friends. Our living situation is volatile and this money was going to be used immediately to pay off our living situation for the next year. We were already planning to move within the week. We've been hopping between homes back and forth for months preparing for this. We have to be out of our current home by XXXX. I'm not usually one to bring this up either, but i feel like my race and appearance might have played some aspect. As i mentioned, I'm a XXXX male, standing at XXXX. I was wearing a XXXX hoodie ( it was XXXX ) and the way the clerk was instantly stand-offish just gave me a weird feeling. No one i talked to on the phone at fifth third was like that. It was only people i spoke to in person at that local branch. If not race, i believe class might play some aspect. Before this, I've never had more than {$200.00}. She kept saying to herself, " No this doesn't look good. I don't like this. '' She " Called '' the bank where the check was being issued, XXXX, and said that she talked to someone there and they said the check wasn't good. So i walked XXXX miles to the nearest XXXX bank in XXXX weather. Getting there, i have to take moments to use my XXXX XXXX having XXXX walking XXXX miles in the cold is difficult for me. I talk to a clerk at XXXX, XXXX, and explain the above to him. He takes the check, looks it up on his computer, explains to me that the check is in fact good and that the funds are ready for me in my name. He gives me a card with his name and number and tells me that if there is an issue with Fifth third to have them call him. I walk back to Fifth Third, tell them all that. They let me deposit the check. I was informed that ALL FUNDS, {>= $1,000,000}, would be available to me in the morning, but until then they can issue me {$100.00}. I take the {$100.00} and go home. I wake up tomorrow, XXXX, to an alert on my phone that my money was on a 10 day hold, and that i was {$130.00} negative in the bank. I think " Ok it's negative because the {$100.00} they gave me, the {$30.00} is the overdraft charge. I just have to wait until the XXXX of XXXX ( 10 days ) for the check to clear and I'll be good. '' I go on with my day, looking for a place to move and thinking nothing of it. I wake up the next day, XXXX, and my account is locked. I call Fifth Third and was told they are locking my account for fraudulent activity and that i have 30 days to pay them. In a panic I try to get in contact with everyone I know who's involved. I emailed the law firm that represented me, XXXX and XXXX, and told them that the check bounced, I called them also and left a message. I called XXXX XXXX, l The company who issued the check, and was told my best bet would to be to go to Fifth Third and try to get the check back. Immediately get dressed and go to Fifth Third and try to get back the check. The clerk, XXXX, again, is again immediately standoffish and just flat out refuses. So i walk, XXXX miles in XXXXweather again to the closed XXXX bank to try and talk to XXXX I instead talk to the branch manager XXXX, and explain everything to her. She remembers seeing the check yesterday, looks it up and SHOWS ME ON THE COMPUTER WHERE IT IS JUST SITTING WAITING TO BE CLAIMED. She even calls someone above her and they explain that everything is good and all the issues lay with Fifth Third. XXXX goes on to tell me that Fifth Third will issue a legal copy, and if i bring this legal copy to XXXX, they can open a new account in my name, deposit the check and give me access to it tomorrow. I leave and go home, on my way home i call XXXX XXXX again to let them know what's going on. They tell me to go to Fifth Third and see if I can get a legal copy today. I call Fifth Third for approval before i go back to XXXX I get XXXX or XXXX transfers in the XXXX department until I'm speaking with the head of the fraud detection department. I explain EVERYTHING to him. He tells me that if i go back to Fifth Third and show them the legal documents that they can issue me a legal copy right there. He tells me he's putting a note on my account for them to check. I stop at home to get my roommate XXXX, to come back to Fifth Third with me as a witness and to keep me calm because i am absolutely furious at this point. I then get an alert on my phone informing me that my daily balance is- $ XXXX. I go back to Fifth Third, again speaking with XXXX, and she refuses, she even acknowledges that she sees the note on my account and that my balance is negative HALF A XXXX, all she can give me is a printed copy. I tell her i want to talk to her boss, she tells me she is the boss, i tell her " You aren't the CEO of 5/3rd, everyone has a boss. '' She directs me to some lady in her office. I again explain the whole situation, show her the legal documents, show her the law firms website, contact information and exchanged emails. I show her the documents that i had to pay to get notorized and informed her that the law firm, XXXX and XXXX, and the company issuing the checks, XXXX, would fax over documents at request to verify anything they need at request to verify anything they needed. They then tell me, to my face, that they think I'm scamming them and lying. After everything I've shown them. They tell me that XXXX bank, rejected the check. She calls someone in the fraud department and he was just as unhelpful.
Company Response:
State: KY
Zip: 40229
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I mailed a {$65000.00} check to XXXX XXXX XXXX that was fraudulently cashed. Fifth Third Bank, after ten months is refusing to make good on the check even though it was reported in a timely manor. The first report was rejected by their disputes department because they wanted an affidavit from XXXX saying they never received the funds. In the time it took XXXX to respond with a letter saying they never receive the funds the time required by Fifth Third had been exceeded. Fifth Third has in their records that I did in fact file in a timely manor but they are still refusing to make good on my funds. I have been working with the office of the president of the bank and they have been less than helpful. I would appreciate any assistance you can provide.
Company Response:
State: IL
Zip: 60091
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022 I received a call from a representative of Fifth Third Bank by the name of XXXX XXXX He informed me that my account will be terminated in the next 35 days. I asked why is this happening? And he stated that my account is a " high risk '', and that's the reason behind the cancellation of my account. I asked XXXX if he could be more specific on why my account is being cancelled and he stated " No, that's all that I can let you know ''. I am unable to view my online profile as well as make purchases with my debit card because my card has been blocked. Please help me get detailed reasoning and information on why my account has been cancelled. Thank you!
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The app for online banking was updated a few days ago, and since then Im not being abble to access because the app is requesting my SSN, something I dont have because Im not XXXX XXXX.
Company Response:
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello, I updated the bank app a few weeks ago, and when I tried to access is requestin the SSN. As im not XXXX XXXX I dont have that document. So please fix this issue so I can access to my online banking trough the app. Thank you
Company Response:
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I need to dispute 3 transaction for " merchandise not received ''. I tried to open this dispute trough the call center, but the wait time is crazy long and the hours of operations are really limited. Transaction 1 : XX/XX/2XXXX XXXX XXXX {$740.00} It was a XXXX XXXX speaker, must be delivered on XX/XX/XXXX Transaction 2 : XX/XX/20XXXX XXXX XXXX {$740.00} It was a XXXX XXXX speaker, must be delivered on XX/XX/XXXX Transaction 3 : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$850.00} It was a XXXX headphones, XXXX be delivered on XX/XX/XXXX All of these purchases were made on the store, but they don't have the warehouse at the same place so they will send the items by XXXX. They never sent the items, also they never provided any tracking or shipment information. I tried to contact them several times by email and phone but they never respond.
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A