Date Received: 2022-10-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been banking with fifth third bank for multiple years now ( XXXX ) and I regularly use them for direct deposits in my account. They have taken over XXXX dollars in overdraft fees from my account. I have already explained to them in person at the bank, as well as through live chat and there XXXX number that I can not afford to allow them to take this money from me. Yet they are refusing to refund my money and only want to give me XXXX dollars of it back which is ridiculous. They literally received a direct deposit from me and my account is current. Please assist in getting my money back. I will be closing my account with this institution if my funds can not be provided.
Company Response:
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I wire transferred to Fifth Third Bank on XX/XX/XXXX {$760000.00}. It turned out to be fraudulent. The sending bank notified Fifth Third Bank on XX/XX/XXXX that it was fraudulent. Fifth Third Bank did not cooperate with the sending bank to retrieve the funds. Please see attached document with full details and email from sending bank, XXXX, informing me that Fifth Third Bank was not cooperating. I also had verbal discussions with the sending bank with a witness telling me that Fifth Third Bank was not cooperating.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Payment lost not credited to my account after 22 phone calls and 3 faxes of checks that cleared my bank front and back copies they finally credited my account but interest dates incorrect. I have paid off loan but bank sent me much less than what I was due. Called bank and they said the account was closed and did not care about incorrect interest charges. XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX XXXX Secondary address XXXX XXXX XXXX XXXX Ks XXXX
Company Response:
State: KS
Zip: 674XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Greetings, As of today, starting roughly around XXXX, I began a series of several phone calls to " Fifth Third Bank '' ( FTB ). Previously I received a letter from them that my current mortgage had been transferred to FTB. I therefore, wished to open an account profile online in order to AUTOPAY our mortgage as we have always done. To this moment, XXXXXXXX XXXX, I am now on my 6th phone call to set up my account. Each phone call has approximately a half hour wait time. My wife called on her phone as well, whereas, both of us were calling to get some kind of support. During one of the conversations, an XXXX, Name : XXXX XXXX : was asked for her NMLS ID : of which she responded, WHY..and gave me quickly a " FAKE '' number ( XXXX ), after being stern and requesting it again, knowing that the numbers were incorrect, I asked again. She finally gave me the correct number. But refused to give it in a manner that was understandable. I was able to find her on the consumer website none the less, for your review. This response, in addition to all the endless call transfers that go nowhere are unacceptable for honest consumers who are doing and making a diligent effort to pay a bill. Each call only inched me closer by a small margin. By the time I gained access to my account via a more helpful and resourceful agent, the access granted had no timed out. I had to start all over again. I finally, and stern bound, was able to speak with a supervisor above his subordinate ( XXXX XXXX who stated that I could not be HELPED, and he was able to reset my web access. I entered the information as agreed, and finally was moved to yet another step. However, now, I was greeted with an error. And once again I have to start all over again. After 4 hours of wasted time. This is a short version of the whole story. No consumer, should be guided through a 4 hour " frustration tactic '' which could cost them a negative impact on the consumers credit report, risk repossession, legal charges and so on. No consumer should be lied and given a phoney NMLS number when asked. No consumer should be rushed off the phone when asked for an NMLS number. This company has numerous complaints in addition to the XXXX XXXX XXXX complaints of similar nature. As of this moment I will filing complaints with all the federal and state agencies who will be involved. I will not risk my credit being damaged, nor any other consumer who may have their rights violated. Please feel free to call me ASAP regarding this issue of formal complaint. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 77354
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with XXXX, which is partnered in some way with Fifth Third Bank. XXXX is a scam. They hold your money hostage with no way to access your money. XXXX will do nothing to help. Fifth Third plays a role in this. It makes no sense that this is allowed to go on. Somone needs to require a back to make funds available.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I'm now at an hour and a half of waiting to reset my password because their account recovery features don't work. Their entire payment process is miserable I get a phone call everyday to pay and then when I try I have to wait this long. Also their call center is out of the country. Why is my social security number and personal information being sent to XXXX. Please sell my loan to an actual reputable bank.
Company Response:
State: PA
Zip: 16506
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hello this complaint is in regards to my checking acct at fifth third bank. I had an emergency on date of XX/XX/XXXX in which I had to withdrawal from a 5/3 bank atm and by mistake I had to take 2 withdrawals right after each other. This caused by acct to go negative by XXXX XXXXI deposited a check in the atm on XXXX the XXXX I checked my balance and was assessed 2 nsf charges for this for a {$74.00} dollars.I believe that this was excessive and unethical. I called the bank on Tuesday the XX/XX/XXXX and they offered to credit me {$25.00} for a reimbursement of a prior fee assessed in XXXX. I accepted the offer but it was never credited.I called the bank back the following day and I was informed that in fact I was not eligible for that {$25.00} credit. I had to make several call and finally a supervisor was able to credit me back some atm fees that totaled to roughly {$23.00}. Now today I was checking my acct and see that I was charged again a {$25.00} extended overdraft fee over the same situation. This organization needs to investigated their policy in regards to this is totally totally unfair and the only reason I stay with this bank is because of family member I share an acct with. I had made a complaint about their activities in the
Company Response:
State: MI
Zip: 48313
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The 5th 3rd Bank placed a hold on a check deposited from a XXXX Account which cleared the next day. They place a XXXX hold on the check, claiming that it takes 9 days for the Federal Reserve to instruct them if funds have cleared. When I indicated that the Federal Reserve clears funds every night at midnight - they then changed the story to the FDIC - when I explained the FDIC doesn't hold funds - they refused to further answer any questions regarding the funds and indicated I would have to wait until they decided to withdraw a hold. I asked that since they finally admitted that the hold was by Fifth Third Bank and neither government agencies- the lady said she can not pull a hold - in fact, Fifth Third gives full authority for a supervisor or Branch Manager to pull holds. At this time, the funds are misappropriated and misplaced illegally by Fifth Third Bank and they can not identify where the funds are now held.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, my name is XXXX XXXX. I have been in contact with Fifth Third bank about a dispute case because I noticed fraudulent charges on my card dating back to XXXX. I did not make these charges and they have no actual evidence that I did. They keep denying my case and Im not sure why. Every time they deny it I tried re-opening it and they take up to 30 days each time. So at this point it has been months and Im fed up. Im not sure what to do to get my money back and theyre not helping me at all. My case number is XXXX.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a big problem there with my mortgage company, 5/3 Bank, because I'm trying to cancel this PMI charge since XX/XX/XXXX, and nobody could help me there. This PMI show up on my statement in XX/XX/XXXX without any reason and no one told me anything about it. It cost me almost $ XXXX. I talked with several people over the phone and in the branch and all of them told me, they should not charge me this PMI. Thats what they told me at beginning of this mortgage, youll not have PMI. Then they started charging me PMI in XX/XX/XXXX. I got this mortgage as construction loan to build my house and I paid off my land. They told me if I paid off the land, Ill not have PMI mortgage because the land that time was over 20 % of the loan. I started this construction loan in XXXX and it finished in XX/XX/XXXX, then they converted it to conventional mortgage, then they started charging me PMI because they didnt do any new appraisal when the house was finished. So, they should have done a new appraisal before they convert it to a conventional mortgage. Since that time, Im keeping calling them and they always said, they will fix it but they never did anything. Im paying for this wrong PMI for more then 2 years and I want cancel it and have all my money back because they should never charge me that, and Id like to have my payment amount as is on the note, {$1800.00}. And Ill pay myself the Property Tax and Homeowners Insurance without any problem. So, please remove that escrow account too. They order an appraisal that I paid for in XX/XX/XXXX, then I got the appraisal letter from 5/3 Bank in XX/XX/XXXX saying my house value is $ XXXX and my mortgage was $ XXXX. They told me before this appraisal, if the house value is more than 20 % of the loan they will cancel the PMI but they didn't remove it yet. It was almost 40 % of my mortgage balance that time. Today my house is over $ XXXX and the PMI still there. Attached you have an email from XXXX XXXX ( financial center manager ), from a branch close to my house, who looked carefully all my closing documents, and told me they should not charge me this PMI. Then She also told me they will fix it but they never did. It was in XX/XX/XXXX because I was tired to wait for the escrow department to fix the PMI problem. Now, Im a retired and I dont make enough money to pay this $ XXXX for this PMI. Do I need to get an attorney to finish it? I also got a letter from the bank last week about escrow account ( see attached ) and they said there, that Ill have to pay property tax {$4900.00}. Its wrong, my tax this year is only {$1300.00} ( see attached ). Because this tax wrong and the PMI wrong, this escrow account went to the roof and my monthly payment went from {$2200.00} to {$3200.00}. How am I going to pay it? I dont have this money. Thats why Im asking to remove this escrow account and Ill pay my insurance and property tax myself. I called the bank about it too and they said they can not remove it and I must pay everything. That is it. They dont help me in anything. That is why Im asking you to help me here with this bank. My situation changed in XX/XX/XXXX when I was pushed to retire because the covid. As retired now Im making a total around $ XXXX. I got the forbearance and its finishing this month. Next month Ill have to start my mortgage payments again, but I have to have the lower payment of {$1800.00} ( amount without escrow acct and PMI ). Please, help me here. I will Attach : 1 Closing disclosure take a look, NO PMI there 2 Email from 5/3 Bank Financial XXXX XXXX XXXXXXXX XXXX Appraisal XX/XX/XXXX - $ XXXX almost 40 % above the loan amount. 4 Property Tax Due XX/XX/XXXX XXXX Escrow account statement wrong ( 2 pages ). Notes on the page 2. 6 - Mortgage Note Let me know please. Thanks.
Company Response:
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A