Date Received: 2022-11-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Beginning Monday, XXXX XXXX, I have been locked out of my account. They wanted to verify my info which is fine. First they asked my email address. When I gave it several times they told me it was wrong. Ive had this email for several yrs. I finally told them to ask me the security questions. They asked for my email. Since Ive been with this awful Fifth Third Bank you wait a minimum of XXXX hour each time. They tell you if you enter Social Security you will get through faster. Has never happened. I live in supportive living, am XXXX XXXX XXXX, in XXXX XXXX with serious health problems. With 5 days of this, hrs. per day, Im sure that XXXX XXXX was way up ; even though Im on medication. On XXXX call I was transferred 3 times with at least XXXX hr. ea. time. When I finally got a supervisor who promised to help we were disconnected before we got started. They have my correct address & phone but not email. They could have called back & didnt. Fifth Third took over my old bank several yrs. ago. If I had to call my old bank a real person answered immediately & I was done in 5 minutes. Fifth Third is denying me access & Id love to see them out of business. THANK YOU!
Company Response:
State: IL
Zip: 60544
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I tried to open a bank account and I was denied due to an account opened in my name without another bank - which I had no previous knowledge of.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I XXXX XXXX, XXXX realize that my fifth third account was being depleted due to unauthorized reoccurring deductions being taken out of my account over the course of three years. I reported this to the fifth third Bank at XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX returned me six months worth of unauthorized charges to my account from the XXXX XXXX app. One of the companies that deducted money out of my bank account was XXXX. XXXX was the only refund I received a return from. l The return was Roughly XXXX dollars. The money showed up in my account, and there was no evidence where it came from or why it was returned. However, it came to my attention that there was a lot more than just XXXX dollars missing out of my account. And more companies with auto refill, signed up to the XXXX XXXX app. It came to light that there was on authorized XXXX XXXX bills being deducted out of my account. I discovered three companies, XXXX, XXXX XXXX and XXXX, a vitamin company. And a couple other companies. All the ducting money out of my account freely over the course of 2 1/2 to 3 years. Most recently its come to light that physical checks had been ordered from the bank. I have never written a check from a checkbook in general or with fifththird. When I first opened my account, they gave me an access 360 card until my debit card arrived. I lost the access 360 card and was told by a Fiththird branch member named XXXX, to not worry about it and that I dont need it since I have the debit card the Access 360 card is expired and is longer usable. However a new access 360 card was mailed out to my home address. This is alarming because I gave the branch specific instructions not to send important banking mail to my home address. This way it would not be left in the mailbox. I have a po box on file, which is noted the only place to send the mail. This is in light of the unauthorized account activity we spotted. I also canceled the XXXX XXXX app from my phone. I even had my most recent new secured credit card ordered out to the bank on XXXX XXXX XXXX, Fiththird just to avoid it going through the mail process this way I could pick the new cards up directly from the branch. These cards consisted of a new secured credit card, as well as a new debit card for Fiththird. Those were to be the only access is with my account. I added a account security word to my account so only I could know that password. To my dismay, they did not ask me for that security word. They quoted me for a phone number that was on the account that was not mine. That is also when I discovered that through the phone number somebody had been logged in to the XXXX XXXX app. The same app I had discontinued in XXXX. This suspicious phone number that was added for my contact information was XXXX. This is very disturbing because I definitely updated my contact information with them. Just this summer to XXXX And I never logged back in the XXXX XXXX app after discontinuing it from a prior phone I used. When the access 360 card showed up to my physical address I discovered the card had been left active during the three years I banked with Fiththird. This is not what I was told because I was told the access 360 card was only pending until my debit card arrived in the mail. when my debit card arrived in the mail. Fiththird has put branch to branch as well as bank to bank notes in my file that I followed me to my new bank, that I feel have directly preventing from being approved for a low interest credit card, to which I qualify for and have spent three years earning. Now instead of moving up in life and in the credit world I have unfairly moved down. I canceled the secure credit card only to open a new one in XXXX of this year, XX/XX/XXXX. I did this so my credit was not negatively affected. Now I am being told this is not what happened. Ive dealt with two different fifth third branches, because I was not happy at the XXXX XXXX XXXX branch, as well as I reached out to the XXXX branch, trying to get this resolved. The situation only got worse and I was treated worse every time I went into a branch. I was told multiple stories of what was going on with my account first that I closed it and authorize the second that for fraud, closed it, and third now the banks, closing it on their terms. It would appear to me that fifth third has done what I wanted to with my accounts, including with my money and that is not just it is not right and it is not legal. I may have been on the wrong side of the lobby for, but I do not deserve this and I did not ask for less unfair treatment. I have been nothing but respectful to them and honest and this bad situation. The bank has been biased to me and unhelpful with my account recovery. What ever they have put in my file has directly affected me negatively 100 %. This is not right. I paid for identity theft monitoring and account monitoring during the three years that I was with fifth third and I feel misrepresented they have chose to close my accounts even though we talked about it, and I stopped using both the debit and secure credit card as much, however the accounts remained active, so my credit score was not affected negatively. Now I became aware that they no longer wish to bank with me and have closed my accounts without my authorization, dropping my XXXX XXXX XXXX points. This is directly discrimination against me because of the unauthorized charges they are choosing not to bank with me. Now my XXXX XXXX has dropped from a XXXX to a XXXX and still I qualify for a low interest credit card at my new credit union and still I was denied. I feel that the my misfortune with Fiththird has stopped me from the opportunity of further building my credit. When the unauthorized charges were made aware, I took precautions and froze my credit through XXXX. It was not till I remove the credit freeze that my accounts were closed through fifth third. please help me get this situation resolved clearly fifth third. I I believe banking with Fiththird is not an option anymore, and the feeling is mutual, however, I dont think it should have negatively affected my credit score. I think that the situation couldve been handled so much more professionally on their part, and with care, and it was not. I think they shouldve went back more than XXXX months because I paid for the identity theft and account monitoring for three years with fifth third. for this reason, I believe they shouldve refunded me all of the reoccurring bills that were taken from my account over the course of three years. Fifth third was in the process of refunding me the six months worth of XXXX XXXX bills and then they closed my accounts down.These bills were on authorized and started being deducted in XXXX when I didnt even have auto refill for myself. Fifththird tried to make me comfortable with the fact the moneys gone and that I should move on. If they really wanted to help me and a professional way, we wouldve closed all my accounts and reopen them removing any loose ends and attachments as well as the on authorizing in reoccurring auto refill, pills and suspicious activity. I have a record, and I have worked really hard to try to build my life back and be a productive member of society, and they directly played on that fact, and treated me so. I have no reason to lie or not tell you the truth my banking, history speaks for itself. I can provide any documents you need to help the validity of my claim. I dont feel I was treated fair. I have been blackballed and discriminated I feel from Fiththird. They had the audacity to have a bank branch security member give me a phone call by the name of XXXX I spoke with him briefly he said he was located out of North Carolina. At the time I was trying to stop fifth third from closing down my accounts and reinstating my secured credit card to repair my credit. I did not realize that he was hired to talk to me as though I was a security threat to the bank. I am so hurt and down right outraged. I have been slandered and unfairly discriminated against by fifththird. I have never in all my life felt so misunderstood and cheated by an establishment that was supposed to entrust my savings. I have been nothing, but considerate to fifth third and light of the situation they let go on for three years. Please look into my situation. Thank you.
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I went to open bank account, account was open, I signed paperwork and when I was trying to cash a work check, 10 mins later account was closed
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XXXX XXXX, my Fifth Third Essential Checking, without my authorization, initiated a transfer of {$1500.00} from my XXXX personal checking account -- I do not have enough money to cover bills coming on that were to be paid with the money Fifth Third is taking from me. XXXX XXXX has warned me overdraft fees and unpaid fees will be assessed for every bill that comes looking for money and doesn't get it. -- Right now there are dozen different companies I owe money to who, through electronic transfer from the XXXX account, is trying to collect their due. This means the fees will rack up into several XXXX XXXX that I can not afford to pay. -- I did not authorize this. I can prove I did not authorize it. Search my history on all my devices- my desktop, my smartphone, my laptop. I didn't do this. Someone is essentially stealing my money. -- Fifth Third and XXXX tell me there is nothing they can do to stop it.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor Fifth Third Bank has reported two late payments XX/XX/XXXX & XX/XX/XXXX has violated my rights under 15usc1681 in section 602 states I have the right to privacy 15usc1681 section 604A states I have the right to privacy 15usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15usc 1681A / definition, rules of construction exclusions except as provided and paragraph the term ( consumer report ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XX/XX/2022 logged into online 5th3rd account noted obviously altered check # XXXX ( payee line scrawled over XXXX XXXX XXXXXXXX to XXXX XXXX XXXX ) with improper endorsement had been cashed at XXXX XXXX XXXXXXXX and paid by 5th3rd in the amount of {$4200.00}. Immediately called both banks customer service lines several times that evening, and filed police report. XXXX. XX/XX/2022 filed 1st of 3 fraud packets at 5th3rd branch subsequently have been mailed 3 more : 2 by 5th3rd ( I filled out 1 more ) ; 1 by XXXX, which were filled out and notarized. Also opened investigation with USPS. Originals and copies were promptly submitted via fax, hand delivered to respective branches, mailed via USPS registered delivery and XXXX. As an aside, on XX/XX/2022, 5th3rd paid check XXXX again for {$4200.00}. This time a check had been " created '' and my signature had been forged. Calls to 5th3rd resulted in restoration of these funds 24 hours later. XX/XX/2022 opened new 5th3rd checking account overworked employee ordered checks with old account number, had to be reordered not delivered until today. To date, have been shuffled between 5th3rd Collections and Disputes and contacted both banks at least 50 times, but my {$4200.00} has not been restored.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account was closed by the bank many weeks ago, and until now I didnt receive any letter, communication, or something from the bank. Also they didnt send me a check with the amount I have on the closed account.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor Fifth Third Bank has reported two late payments XX/XX/XXXX & XX/XX/XXXX has violated my rights under 15usc1681 in section 602 states I have the right to privacy 15usc1681 section 604A states I have the right to privacy 15usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15usc 1681A / definition, rules of construction exclusions except as provided and paragraph the term ( consumer report ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the weekend of XXXX XXXX XXXX, we were victims of fraudulent charges. The issue started with an email stating that my computer had been breached. I unfortunately, called the number on the email. The person I spoke to claimed he was with XXXX. He asked to remotely sign on to my computer to correct the problems. During this time, I noted that there had been fraudulent charges for purchase of bit coin from called XXXX XXXX through bank accounts we held at both XXXX XXXX and Fifth Third Bank. The person who was supposedly from XXXX, indicated that he could reverse those charges, which it appeared he was doing when I checked our accounts at both banks on-line. He also, said we had to let the charges go through in order for him to reverse them. Ultimately, I recognized that what this individual was telling me didn't seem to make sense. At that point, I blocked his phone number and notified the fraud departments at both XXXX XXXX and Fifth Third Bank that the charges were fraudulent. We ended up having to close our accounts at XXXX XXXX and open new ones. The reason we had opened the accounts at Fifth Third Bank was that at the time my husband was working part-time at XXXX University and XXXX XXXX XXXX XXXX XXXX XXXX WV, and there were no XXXX XXXX banking locations in the local vicinity of XXXX. Anyway, my husband discontinued working in XXXX in XXXX of 2022, so rather than close and reopen the accounts at Fifth Third Bank, we elected to close the accounts. At the time we closed the Fifth Third accounts, we thought our claim had been settled. However, we subsequently received a letter from Fifth Third Bank dated XX/XX/2022, that indicated 'Our research confirms that the transaction was valid. ' We subsequently spoke to the fraud department to contest their decision. We were told that I had supposedly confirmed the purchases in response to a text message from XXXX XXXX that was sent on XX/XX/2022 at XXXX XXXX I however, never received that text message, nor would I have approved such a purchase. Interestingly, when I've spoken to someone in the fraud since that time I was told that the supposed confirmation of the purchase was in an email that did not come from my email address. In addition, the individual admitted that the purshases were not consistent with out prior activity. We have since filed a dispute with Fifth Third Bank and have requested proof of their claim that we approved the purchase, however we have only received additional letters stating their research confirms that the transaction was valid. We have never received any other communications from the bank or its fraud department other than multiple letters that all state the same thing. In addition, we have since been referred to a collection agency. There has been no transparency in regards their denial of our claim that the charges were indeed fraudulent.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A