Date Received: 2023-12-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I went to XXXX XXXX on XXXX XXXX to withdraw money from their XXXX XXXX for rent. I frequent here & have never experienced this ATM or another, yet as I was counting the money that was coming out another {$200.00} came out & 3 seconds later returned to the machine. However, I received a receipt for that {$200.00} that I didnt even get! I informed the XXXX at XXXX XXXX XXXX employees who could do nothing & told me to contact XXXX XXXX Im not a customer there so when I called they said contact my bank ( mywisely ). XXXX said theyd do an investigation that would last approximately no more than 40 days. On XX/XX/XXXXXXXX I called & they informed me they turned down my request & that I could resubmit another request. ( But Im not waiting another 40 days for the same answer when apparently they dont do a real investigation ) I dont have any proof they asked for except the faded receipt stating I got the money that I didnt receive. Also, I could try to go the store & see if they can show the cameras or remember me. Additionally, my mother in law is a witness as I informed her that day. But Im not losing my {$200.00} to no wealthy bank I needa my money back
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Fifth Third Bank ( " 53 '' ) purchased my refinanced mortgage in XXXX. As part of my refinance, I agreed to a mortgage payment of {$2300.00}, which was to include my mortgage payment, taxes and homeowner 's insurance. 53 negligently failed to pay my homeowners premiums and my policy was canceled. Despite having been a customer for over 30 years, XXXX XXXX XXXX declined to renew my policy based on a " non-payment '' history. After negotiations, 53 retroactively paid the homeowner 's insurance premiums from XX/XX/XXXX to XX/XX/XXXX. Despite its negligence, 53 asked me to obtain another homeowner 's insurance policy, which I was able to obtain from XXXX XXXX, although the premiums were higher than I was paying through my escrow account. XXXX then contacted me and I was told that 53 had, yet again, failed to pay the homeowner 's insurance premiums, even though XXXX had contacted them multiple time and requested payment through my escrow account. Now, 53 has told me that my house payment will increase over {$300.00} per month to cover the cost of the insurance they purchased at almost double what I was paying previously through my escrow account. 53 also informed me that " that coverage we purchased is limited and may not adequately protect your interest. '' During this over two-year period, I have made numerous phone calls to 53 and written them numerous letters. When I refinanced my home, I agreed to the payment amount, to include taxes and insurance, because that is what I could afford. As a result of 53 's negligence and fraud, I informed 53 that I was going to continue to pay my mortgage payment of {$2300.00}, which is what I agreed to and contracted for, and requested that no late charges or other fees be applied to my account. Now, 53 is sending me threatening letters suggesting that I may be in jeopardy of losing my home if I do not pay the late fees and significantly increased house payment due to the outrageously expensive insurance it purchased. By paying a years ' homeowner 's premiums retroactively, 53 admitted to its negligence of not having paid those premiums during that prior year through my escrow account. Although 53 destroyed my relationship with my long-standing insurance company and through no fault of my own that the policy was cancelled, I obtained another policy in its place. AGAIN, 53 ignored XXXX ' requests for payment of the premiums and that policy too was cancelled. All this occurred when I had homeowner 's insurance at a price I could afford and with adequate coverage.
Company Response:
State: NV
Zip: 89521
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I made several complaints and finally got to go into the branch to show my ID and XXXX XXXX XXXX to get my money back ( I tried opening a checking account and funded it with {$100.00} ) to get my {$100.00} back. They said it would be mailed to me. That was on XX/XX/2023. I have never received my money they stole from me.
Company Response:
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I paid off an installment loan. Fifth Third Bank After the loan was paid off, the online account was immediately closed, and all records were removed. The following two days, scheduled payments that I could not cancel because they deleted the account continued to be withdrawn ( one of which I stopped from another bank ). The bank is saying they have no records of these withdrawal attempts, and I have to provide proof from my other bank because they didn't keep records of the additional attempted ( one of which was successful ) transfers. I was powerless to stop these because they had already closed my account. In short, Fifth Third Bank succeeded in withdrawing {$1500.00} from my checking account after the installment loan account was closed.
Company Response:
State: MN
Zip: 55416
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Fifth Third had a promotion to receive a slightly higher than market rate on a money market account. The banker when I set it up told me when the promo period expired they would help me get into a new promotion or a current rate. When the promo did expire, no one at Fifth Third could tell me what my new rate would be or when it might change, only " back office '' systems determine that. Another banker also encouraged me to put additional money into the bank to take advantage of another promotional rate. The " listed '' rate on a money market is 0.01 %, which is obviously well below the market rate. I believe these promo rates are UDAAP. It encourages the customer to put large sums of money into the account to get a marginally higher rate for a brief window of time but then Fifth Third will not disclose what happens to the account next. It is bait and switch at best and simply deceptive as well. Clearly the business model is to pay the high rate for a while, assume most customers will forget about it and then lower the rate to one well below market rate. If these things were properly disclosed, it would be one thing but they are not. It simply isn't acceptable to say the " back office '' will determine your rate and we won't tell you.
Company Response:
State: TN
Zip: 37205
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: fraudalent transaction that have cause me to suffer i have reachdd out to my bank to allow them its fraud they mentioned it was an ach payment and cant do nothing about it XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Fifth Third Bank continues to charge me frivolous late fees, despite the fact that my bank, XXXXXXXX XXXX, sends them my mortgage payments on time each month through XXXX. Since this past XX/XX/2023, Fifth Third Bank has charged me XXXX separate late fees of {$50.00} each time, and has refused to waive these fees on request. XX/XX/2023 Late Fee. Fifth Third Bank falsely claims that I was late on my XX/XX/2023 mortgage payment, claiming that the payment was not received until XX/XX/2023, and charged me an erroneous late fee of {$50.00}, which they are refusing to reverse. My mortgage payments are made through XXXXXXXX XXXX XXXX XXXX, which ensures that my payments are received before the XXXX of each month. Upon checking with XXXX, their records show that Fifth Third Bank received the mortgage payment on XX/XX/2023. XX/XX/2023 Late Fee. Fifth Third Bank claims that I was short on my mortgage last month, and claims that my escrow was short, resulting in a {$6.00} shortage. I had XXXX send Fifth Third the full escrow shortage amount to avoid an increase in my monthly bills, in addition to my regular bill amount, so there should not be any shortage amount. Despite having paid the full shortage, Fifth Third Bank claims I was still {$6.00} short last month, and uses this as an excuse to charge me a {$50.00} late fee. I think what Fifth Third Bank is doing should be illegal and should be investigated into. Thank you kindly for your consideration. Respectfully, XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Company, XXXX, will not stop calling 10-12 calls a day, all from different phone numbers. Claim a debt that I dont owe. Claim to be attorneys, which they are not. Harassing and threatening behavior.
Company Response:
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was overdrafted XXXX $ against fifth third terms and regulations for their standard overdraft you can not opt out of.
Company Response:
State: OH
Zip: 45371
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I Spoke To Supervisor XXXX XXXX XXXX She Was Unable To Assist Me She Did Not Answer My Questions I Explained To Her 3 Times That I Had A XXXX And She Was Talking Down To Me Unprofessional And She Did Not Actually Assist Me She Never Provided The Correct Cut Off Date For Deposits Or Transfers When In Fact Per THE Banker At XXXX XXXX XXXX IN All Transactions Posted Before Midnight Would Cover Any Negative Balances. I Made Sure To Cover The Payment Of {$44.00} and It was still Returned On Monday The Entire Time I Talked To Her She Was Arrogant, Rude And Argumentative I Want To Know Why The Banker Advised Me All Deposits And Transfers Made Before XXXX Would Cover Any Negative Balances. Why Are They Not Consistent With What The Information They Provide? According To XXXX After 20 Minutes She Advised The Cut Off Time Was XXXX. Because Of This Information I missed an important ( Medical ) Payment That Was Due And Now I have To pay a {$97.00} Return Fee From That Merchant Because Of Fifth Third Giving Me Incorrect Information I Would Like To File A Formal Compalint Against This Company
Company Response:
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A