Date Received: 2022-10-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2022 I deposited a {$200.00} personal check into my Fifth Third bank account the check was drawn on my XXXX XXXX account which is valid I check my account balance before the transaction so I knew I would be overdraft that transaction at that time I had to make a decision to float a check in Order to pay my rent especially since I would be getting paid in a few days and it all would even out due to my paycheck being directly deposited into my Fifth third bank account every week. When my paycheck was deposited in my fifth third account it was {$340.00} in the negative that left me with {$140.00} in the positive when I arrive at fifth third to withdraw my money to pay another bill they refuse to give it to me presently my account with Fifth Third is locked and they are refusing me access to my available funds. please help this is unfair.
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: The bank account was closed without any written agreement. Also there was not a offer to validate the debt associated with the account nor was there an offer to settle the debt in question.
Company Response:
State: FL
Zip: 34689
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Fifth Third Bank is reporting derogatory information onto my account. I am hereby asking Fifth Third Bank to cease and desist in regards to this account. This notice is Pursuant to my federally protected rights. 15 USC 1692 ( c ) ( c ) Ceasing communication with the consumer. It says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. A form of communication regarding the alleged debt is my consumer report which is directly affecting my credit worthiness. Please see the attached letter for full details.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I initially contacted 5/3 Bank on XX/XX/2022 to follow up on report that I filed back in XXXX of XXXXwhere I advised the institution that what I thought was a fraudulent charge on my XXXX ending in XXXX. The charge was {$16.00} from XXXX, and appeared to be a monthly charge for a XXXX membership. I advised that I did not authorize the charge, and that I pay my XXXX XXXX membership in one lump sum in XXXX or XXXX each year on a completely different card with another card issuer. The representative completed a dispute, and issued me another card. This is a card that I rarely use besides a purchase to XXXX back in XXXX for approximately {$2000.00} and a monthly subscription to XXXX XXXX which is around {$9.00} a month. Several months later, I noticed that the charges were still coming through, so I called 5/3 bank back XX/XX/XXXX ( XXXX XXXX XXXX ) and spoke with a representative who advised that she could see that I had done a dispute, but XXXX has the ability to get your new card number from XXXX as a part of MasterCards ability to share your information ( I'm assuming per the 5/3 Bank XXXX agreement ). The representative offered to put in another dispute, but I wanted to avoid that because if XXXX can simply get the new card number, I would be back at square one in XXXX. The representative advised that I should contact XXXX customer service in an attempt to let them know the charge was fraudulent, which I did the same day at XXXXXXXX XXXX XXXX. The representative I spoke with at XXXX stated that there was a different email address associated with the card ending in XXXX ( which now ended in XXXX after the dispute ). I advised the representative that I wasn't familiar with the email address, but the rep insisted that I must have shared my credit card information with someone I know, and I reiterated that I did not. Since I was not able to " verify '' the email associated with the {$16.00} XXXX XXXX monthly membership, I was advised that he could only refund the charges but could not stop them going forward although I advised that I had no association with that account or email. The rep went on to say he couldn't pull up the information with the potentially fraudulent account because I couldn't verify the email. After hitting a wall with XXXX Customer service, I called 5/3 Bank back hoping that there were some options on the table to resolve this issue that another more senior representative would be able to offer ( XX/XX/2022 XXXXXXXX XXXX ). Unfortunately, the only options I was offered with either doing a " Stop Payment '' with XXXX ( which I was advised that XXXX could potentially decide not to do business with me anymore ), or another dispute, or to call XXXX to ask them to stop sharing my information when a new card is issued, i.e. " opt out '' of information sharing. I thought that calling XXXX would be a reasonable option, so I called them XX/XX/2022 XXXX XXXX Unfortunately, the representative at XXXX forwarded me back to 5/3 Bank 's customer service line. Now during this time, I still had full access to my account online to make payments, etc. The XXXX representative ended up forwarded me to 5/3 Bank 's dispute resolutions team who reiterated that the dispute that they were offering to put in may cause me to lose my business relationship with XXXX, but in my opinion it was worth it because I was being charged for a membership that I was not responsible for. I went forward with the dispute and sent an email to " XXXX '' as requested by the representative with details of what transpired and documents to prove that I paid my XXXX XXXX membership on an annual basis, not monthly ( attached ). I received a letter from 5/3 Bank dated XX/XX/2022 that essentially advised that my dispute with XXXX had been resolved and I received a credit of {$16.00} on XX/XX/2022 ( attached ). Fast forward to XX/XX/2022 and for some reason I'm not able to log into my aforementioned 5/3 credit card account. I call the customer service hotline ( XXXXXXXX XXXX XXXX ) to have my account unlocked ( thinking that I entered in my password incorrectly too many time ). The customer service representative I spoke to initially starts asking for extra identifying demographic information, which I thought was odd but I complied. After verifying my information, the representative advised that my account was being reviewed by the fraud team and she needed to transfer me over to that department. After giving the agent that I'm transferred to a few moments to review the account, she comes back on the phone to ask me questions I can't possibly answer without online access to my account ( e.g. month, date, year card was opened, last payment made, and minimum payment due ). I was told that I failed the verification, and was told nothing else about the status of my account. The representative did state that I needed to go into a branch to resolve the issue, but did not offer what I needed to take or address the fact that I live 4-5 hours from the nearest 5/3 Bank branch XXXX I want to add that 5/3 bank has not sent me anything in the mail or via email that advises that there is an issue with my credit card account. The last communication that I have from 5/3 Bank was the letter that advised my dispute was settled. I called back into the customer service number about 20 minutes later at XXXXXXXX XXXX XXXX. Again, the representative forwarded me to the fraud department were I sat on hold for XXXX minutes. I hung up, called back in at XXXX XXXX XXXX and the next representative was nice enough to tell me that I had been on hold because the fraud department was already closed when I was transferred at XXXXXXXX XXXX I decided to wait a couple of weeks before I called back hoping that I would receive some sort of formal documentation or request from 5/3 Bank regarding the status of my account in the mail. At this point, the only thing I know is that the account is in fraud review, and apparently has been for a month when I called back in on the XXXX of XXXX. I called the fraud department directly this time ( XX/XX/2022 XXXX XXXX XXXX ). I spoke with a representative named XXXX who put me on hold for about 15 minutes to " review '' my account. After he was finished reviewing the account, he came back on and asked me to once again verify the month, date and year my credit card was opened. Again, this is information that I could only hope to ascertain from online banking. I opened this account about 7-8 years ago, and surely they don't think I still have the original letter. Even if I had the original letter, the letter is going to have a post marked date, not the date an underwriter ( or AI ) actually reviewed and approved the account. Unfortunately, this is the only method I was given to prove my identity when I spoke with XXXX. XXXX advised that he ran this by a Senior Analyst, and this was the only option they could solution for. I pushed back on that response and asked if there were other methods like verification through mail, etc but XXXX then claimed that he couldn't pull up anything on my account since I wasn't able to verify the month, date, and year my card was opened. Of course that doesn't make any sense because XXXX took about 15 or so minutes to " review '' my account when I was initially transferred to him. XXXX then advised me that I could also go into a branch to resolve this issue, so I asked him to tell me where the nearest branch was. After realizing there was no branch for hundreds of miles, XXXX then went on to say that I can try to call a branch to verify myself and resolve this issue because " they may have a different process, '' which XXXX knew was not truthful. XXXX also refused to provide me his employee ID number.
Company Response:
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Charged me on a small expense account checking account. over {$1700.00} in OD fees. Charged me ridiculous charges + $ XXXX daily for XXXX consecutive days during a time where I was hospitalized.
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: So about a month ago, I tried to make a deposit at a 5/3 ATM in a XXXX. After putting the money in, the ATM froze on me for about 10 minutes. None of the XXXX employees were able to assist me, and they just told me to call 5/3. The ATM unfroze and went back to the home screen without giving me back the {$40.00}. I checked my account and the money had not been deposited. After an hour of calling, I finally was able to submit a dispute and was given a provisional {$40.00} in my account until an " investigation '' was performed. 3 days ago, the {$40.00} was taken out of my account after the " investigation '' denied my dispute. I called today and they were only able to reopen my dispute which would take 14-30 more days. They did not give me another provisional {$40.00}.
Company Response:
State: KY
Zip: 40205
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is in regards to 2 related issues from the same incident : My Fifth Third ( Secured Credit ) Account ( Ending in XXXX ) was closed due to non-payment of the monthly credit card fee. When I first started the account, I put up {$300.00} as a Security Deposit. The account was maxed out at XXXX before it was closed. The non-payment was the result of my recent income loss. Now that I'm working again, I made an attempt to set up a payment plan to pay off the amount owed in response to a XX/XX/2022 letter I received from the bank. I made the call on XX/XX/2022 : ( XXXX ) but noticed right before making the call that the letter claims I owed a balance of " {$390.00} which includes late charges and/or fees of {$40.00} '' however, this amount is incorrect as it doesn't account for the {$300.00} security deposit that was swallowed by Fifth Third when the account closed. That would mean the true amount owed would be closer to {$93.00}. ( XXXX ) The second issue was that I was unable to get in contact with the bank in order to pay off this debt. On XX/XX/2022 I attempted to call the number from the letter I received : ( XXXX ) XXXX XXXX whole hours before closing. I got in contact with the collections representative who would ask for my information and then hang up the phone while I was providing this information or right after. I called back 3-4 times reaching different agents and each time they'd hang up the phone before I could verify my account & the amount owed. The fact that this happened across several representatives and in the same manner indicated to me that this wasn't a personal/professional issue with the representative but some sort of policy to disconnect the call. The only reason I could assume it is to stave off the payback of the debt for as long as possible while additional interest fees and late charges can accrue. If so, this is highly unethical. I live in New York currently, and as such, I am unable to walk into a Fifth Third location in order to pay the debt off. I would mail in a check or money order but have not received any steps to do this from Fifth Third.
Company Response:
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My father passed away in XX/XX/XXXX and I purchased his home from the estate in XX/XX/XXXX. During the estate process, the bank, Fifth Third Bank, never sent a bill for the HELOC. Not once. For over two years. There was no bill to indicate this debt existed. Fifth Third Bank did not engage with the estate process. Had they engaged with the estate process, we would have known this debt existed. Fifth Third Bank also made a mistake on the mortgage document and the mortgage modification agreement. They listed the incorrect property on the front page but got the legal description right on the addendum. Before I purchased the property, I called the recorder 's office to see if there was a mortgage on the property. They said no, because they only looked at the front page. Had Fifth Third Bank gotten the correct property address on the front page of their mortgage agreement, we would have known the debt existed. So I purchased the property for cash and then the bank sued for foreclosure. I did not get title insurance on the property because my father owned it for over 50 years. The bank 's attorney says the three mistakes made by the bank are irrelevant because they got the legal description right on the addendum. They intend to take the property in foreclosure.
Company Response:
State: IN
Zip: 475XX
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have noticed credit inquiries in which I did not authorize. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: A few years back in 2013, my identity was stolen, I was out shopping with my mom for the holidays and someone swiped my wallet. Since then, the person that stole my wallet has opened accounts in my name with out my permission and now my credit is messed up, I am in the process of trying to fix my credit and this is not an easy task to do when I cant even open a simple second chance account. With me being in XXXX because of this I have to use third party banking like XXXX XXXX XXXX XXXX and thats not fair to me. I want to be able to go into a bank and speak with a banking professional when I have an issue but I cant do that with XXXX XXXX XXXX XXXX. If you are offering second chance banking without using XXXX then thats exactly what you should do. Instead of falsely advertising that then when people like me sign up, I get denied because you actually secretly used XXXX to do so.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A