Date Received: 2022-09-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: *On XX/XX/XXXX during a chat with Fifth Third Bank, I requested loan history since statements were not available online. We noticed that the amount due was now showing {$730.00} which was more than the previous amount of {$660.00} that we usually paid as well as an additional principal payment of {$35.00} bringing the monthly payment to {$700.00}. We were told that was because the monthly payment was always {$730.00}. Allegedly fifth third claims a XXXX requested the account be adjusted which their website shows happened on XX/XX/XXXX & a letter received says the request came on XX/XX/XXXX. ( Per a supervisor on XX/XX/XXXX who confirmed these calls were recorded but whose name was not gotten due to be hung up on, claims that this alleged requests moved our fund from the principles to past payments that were already made on time? ) *On XX/XX/XXXX we went to the website to try to pay {$660.00}, knowing we had only selected Regular payment {$660.00} via their website then we entered {$35.00} by doing our own calculations to add to the principle, we discovered it would not allow you to pay less than what is shows the regular payment is. Thus proving that their website must have in fact showed at one time {$660.00}. We were told we must be mistaken. For good measure, we went back on XX/XX/XXXX & the website now showed {$710.00} Regular Monthly Payment- I requested loan history via phone that I never received and I was told that there were no notes on our account from my previous contact on the 6th. That the account was short by {$83.00}. I asked for clarification because that math was not adding up. I was directed to the loan history which would take 3 business days and could only be faxed or mailed XXXX - Letter received stating a request was made on XX/XX/XXXX ( see above ) * On XX/XX/XXXX I called again to request loan history, I was told again that no notes were on the account and that they were not sure why we received a letter. XXXX states extra principle payments go to principle but also are applied to next months payment knocking it down, not knocking down the end of the loan. I ask for transfer, Transferred to XXXX ( employee ID XXXX confirmed recorded calls ) repeated that loan history takes 3 business days. Stated principle payments only go to principle not lower the next months due. XX/XX/XXXX - Received loan history documents. Now show Loan payments, Curtailments, & Micr payments. I called. & XXXX who refused an employee ID also refused to explain what the difference in this payments were. After asking for a supervisor 3 or 4 times, finally transferred me to the Lady who seemed helpful at first before she ended the call when I inquired about who authorized our account to have adjustments made & I made it clear that I had screenshots of conversations. Then began a 2 hour long calling & chat session or trying to get anyone on the phone to request the legal departments contact information which they are outright refusing to give me. When XXXX cal customer service & enter our account number, we are placed on a brief hold before being hung up on. I have multiple recordings of this. Unfortunately, It has taken this month of horror to do a simple XXXX search of this terrible bank & their practices to see that it is not just us, there are THOUSANDS they are doing the very same to. I would be shocked to find out more havent filed against them. I will be writing on every forum encouraging those who dont know where to file with Consumer Finance and their Attorney General of their state because this is wrong & should not be tolerated! XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My cc was compromised on XX/XX/XXXX while traveling from Florida to Georgia. I was notified by 5th 3rd Bank by e-mail and text saying that my card had suspicious activity and I immediately called the fraud department to inform them the charges were not mine. I had two charges one being {$120.00} & the other for {$100.00} on XX/XX/XXXX. I was issued a case # thru the fraud department at 5th 3rd Bank and called several times thru the process of completing the removal of fraud charges, to include late fees and interest on my cc. I was issued a new card via expedited services from the bank and got charged {$30.00}. I have never used either of the cards from that point of the fraudulent charges. A case was opened on XX/XX/XXXX for the 2 disputed charges. I called again to just check the status as the FRAUDULENT charges were still showing on my old card. I paid my last payment in full in XXXX minus the two charges in the amount of {$220.00} and fees charged for the card with the outstanding balance still attached. I was reassured by the fraud department that I WOULD NOT BE RESPONSIBLE for all the extra late fees monthly as well as the interest charged. The policy at 5th 3rd is a 90 day window to complete the case which was finally rectified in my favor on XX/XX/XXXX and to date the charges are sitting on my replacement card with late fee and interest charges. I called the fraud department and spoke to a supervisor, XXXX who said she would have to check into this again. She left me a voicemail on XX/XX/XXXX telling me I still had an outstanding balance left on my last statement that had the fraud charges which I did not include in the full payment and are showing outstanding on my replacement card. I also went thru my XXXX statement online and have ZERO CREDITS FOR THE FRAUD CHARGES. I had told 5th 3rd Bank all along that I would not include the full payment as I was not paying the fraud charges. Nowhere on my day to day statement do I show a credit for the charges of {$100.00} & {$120.00} to include a {$40.00} late fee, and interest fee. I have not charged one thing on either card since the fraud happened on XX/XX/XXXX. This could be any easy fix as the amount of FRAUD IS the only thing left on my replacement CC. I have tried to tell them this and they seem to be trying to pull a fast one as if they can not see the fraud disputed amount is on my new cc issued and show it was not paid in full on my last statement. I am now referring my complaint to you all for help in resolving the issue as the amount of time spent on the phone holding is not working due to my work schedule. Thank you.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On or about XX/XX/2022, I changed my phone number on my online banking account. The next day I was locked out of the account. I went into the local branch office and was told that I would not be allowed to access my account for XXXX days. They refuse to reset the account and claim it was standard procedure. They offered no legal basis for not allowing me access to my account.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Several months ago I received a letter from Fifth Third that it had sold my mortgage to XXXX XXXX or XXXX XXXX Within that time period I was also having terrible problem with the way my mortgage payments were reported to XXXX. Fifth third stated my payments were supposed to be twice what I was paying which was wrong. I wrote to executive management, and the CFPB finally to get some attention. Whenever I called Fifth Third no one answered the phone and no one honored t he THREE phone appointments I set up. Now I am attempting to reac h out to them again because if my mortgage had been sold I need the new mortgage acct # so I may refer to it in my ins documents. I never received anything regarding that sale other than a brief letter. This week I called my previous contact, XXXX ( XXXX ), THREE TIMES ( Wed, Thur and Fri ) to get assistance and left voice messages THREE times!! He never called me back. Today I then called 1 ) re-financing and 2 ) customer service, Refinancing DELIBERATELY hung up on me and the customer service rep was surly and condescending. He did state my mortgage had not been sold but I remember receiving the letter it had been! I have also attached the third complaint letter I sent today to President and CEO XXXX XXXX, because I believe when I write my complaint letters to executive management they are intercepted and never shown to those managers. This could be considered an act of fraud, because egregious wrongs are being covered over and squelched. In all, I have no idea who owns my mortgage and therefore how to manage it! I make my payments every month to Fifth Third Bank but I am very unhappy about all this. Further, the general culture at this bank is corrupt, and this corruption is deeply entrenched. There is no reason for anyone to perpetrate these many abuses against my account or me. The corporate environment is one of predation and any opportunity these people have to abuse their customers, they will do it!
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: As of XX/XX/2022 I stopped into local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and spoke with a Personal Banker. About not having online access she saw note on account and called fraud department fraud department informed of closing account reason was not given we were left confused me and banker she later found out due to dispute but mentioned how unusual that is since your dispute positively resolved in XXXX and I said I havent had access to the account since XXXX time all I can see is emails that payroll is still going into my account I want this hold lifted immediately online access restored or I will write to the ethics department board of directors of the bank and the state attorney generals office. Due to restricting me from my account and funds with no reasoning given I was provided no notice to my address whatsoever and no online notice to my email as well. I seek resolution to resolve this and reverse such a decision on the grounds of no merit and inconclusive findings or I will contact alternative channels and my local news affiliation as well. For reference account was opened in XXXX FL I seek prompt resolution to my query.
Company Response:
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX I returned a call to a company claiming to be litigation on behalf of a client. The name of the company was XXXX XXXX and XXXX. They claimed to be attempting to collect a debt that originated in XXXX although they inaccurately claimed XXXX because they are the second company to attempt to buy this old debt. The accusation was that for a small checking account overdraft at XXXX XXXX XXXX in XXXX MIchigan of less than {$100.00}, they would be serving me a lawsuit in which they would seek over {$6500.00} in the form of a judgment against me. They said I would be getting served notice of the civil suit. During the call, they also proceeded to read me my full social security number over the phone and further had run an unauthorized hard inquiry on my credit report. He was reading items off my credit report to me during the call which made me feel unsafe. He also threatened that my wages would be garnished XXXX XXXX or I could settle with a payment plan. The next day, I received another hard credit inquiry from the debt collection agency. The debt collection company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Company Response:
State: MI
Zip: 48640
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: fifth third bank bank na acc num XXXX shows transferred to another lender that is not true, the acount number is not any account i recall signing up for. on XX/XX/18 XXXX, XX/XX/18, XX/XX/18, XX/XX/18 are marked late. In accordance with the fair credit Reporting act fifth third bank has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I previously submitted a complaint relating to a fraudulent $ XXXXcharge posted to my account by 5/3rd as part of their Ready Reserve Overdraft , a service I never enrolled in, nor did I authorize. 5/3rd refused to remove the charge insisting that I had enrolled in the Ready Reserve Program however , they were unable to provide evidence of this and indicated that federal law only required they require documentation for 7 years and that the enrollment must have occurred prior to this. Prior transactions confirm this is a false statement, and 5/3rd 's executive office had reviewed these transactions in an effort to demonstrate that I had in fact enrolled in the program and that it had been in place for quite some time, however, when they reviewed the transactions and found that the past overdrafts did not confirm this they mislead your office and continued to misrepresent that I had enrolled in the program and that they simply didn't have the historical documentation. They do not have the documentation because I never enrolled in the program. The new issue relates to an attempt 5/3rd made to transfer the funds without my authorization from checking account to cover their fraudulent charge. I was previously enrolled in autopayment however, I deactivated this after 5/3rd refused to remove their fraudulent charge from my account on approximately XX/XX/XXXX. After deactivating autopayment no autopayment was made in XXXX, however, on XX/XX/XXXX 5/3rd attempted to make an autopayment from my checking account in the amount of {$6200.00}. I had proactively withdrawn most of my funds from these 5/3rd accounts assuming this unethical organization may attempt something like this and thus there weren't sufficient funds to cover the transaction and thus it was eventually reversed. I had closed out the affected 5/3rd credit card on XX/XX/XXXX and remitted payment for the account balance however, 5/3rd has now reversed the payment after the account was closed reposting this to the credit card. 5/3rd is also attempting to charge me interest on this fraudulent charge. You can not charge interest on a fraudulent charge a customer did not authorize, and if the charge wasn't authorized it wouldn't be subject to the terms of the credit card. Again the {$5500.00} is a fraudulent and unauthorized charge 5/3rd has posted to my account which I have attempted to dispute and fully demonstrated to 5/3rd that I never enrolled in the Ready Reserve Overdraft program yet they continue to falsely claim I did. I have advised them that I will not be remitting payment for this fraudulent and unauthorized transaction and that should they falsely report this to the credit bureaus I will be disputing the false claims on these grounds and will be suing them for false reporting and any financial damages/losses I incur in association with this including any increased costs of financing.
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received notice that my mortgage had once again been transferred to a new mortgage servicer : Fifth Third Bank ( the Bank ) Mortgage Loan Servicing XXXX XXXX XXXX XXXX, OH XXXX On XX/XX/XXXX, I received a letter stating my pin for a " XXXX XXXX XXXX XXXX had been changed. I contacted the Bank at XXXX and proceeded to wait 20 minutes before I was able to speak with someone. After I spoke with one agent, she stated not to worry, that the bank was a " card based, '' bank, whatever that means, and that I had to have a card with the Bank in order to do business with them. This conduct is eerily similar to XXXX XXXX opening accounts without permission. ( See link ) XXXX XXXX XXXX # : ~ : XXXX % XXXX % XXXX % XXXX, XXXX % XXXX % XXXX % XXXX % XXXX % 20 % 243 % XXXX % XXXX % XXXX % XXXX, of % XXXX % XXXX % XXXX % XXXX I did not open a " XXXX XXXX. '' When I asked to close the account, I was told that I could not. I asked for a statement from the company negating their XX/XX/XXXX letter telling me to call in if I did not request a pin. I was told that the company can not provide a written letter. The company has committed fraud in two ways : first, opening a " XXXX XXXX, '' without my permission. Second, claiming a " XXXX XXXX, '' is the same thing as a " Virtual Card. '' My correspondence discussed a " XXXX XXXX, '' and made no reference to a virtual card. This letter has caused me severe emotional distress because I was not allowed to cancel this card despite requesting more than once.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Dear Consumer Finance Protection Bureau, My name is XXXX XXXX and I am filing this Complaint with your department a copy of the same was sent to FBI team and Federal AG XXXX XXXX XXXX Office also regarding the disasters done by Fifth Third Bank by not following the FBI Complaint that was filed on XXXX XXXX regarding the XXXX XXXX XXXX relief money that was delayed for 12 months and caused the financial burdens for me. I also sent the copy of the FBI Complaint to the XXXX and told them to put the account on hold as the delay occurred from the XXXX XXXX XXXX department side and was not my fault. I have sent the regular loan payments from XX/XX/XXXX till XX/XX/XXXX and then had to stop the payment as I waited for the XXXX XXXX relief money which I filed a complaint to the FBI after the delay caused. I have sent correspondences, phone calls and relevant documents which I will attach after filing this Complaint. The phone calls from XXXX team made me get XXXX XXXX and I was in Emergency with XXXX XXXX on XXXX XXXX and that's when I filed the FBI Complaint after coming from the Emergency. Inspite of me sending them the FBI Complaint on XXXX XXXX, they sent me a default letter on XXXX XXXX for which I corresponded asking them to put the account on hold until I receive the XXXX XXXX relief money. They did not heed to my request and then they towed my car from the parking lot and my car went missing and I called XXXX and spoke to police department who said the car was repossessed. I then sent a letter to XXXX asking to return my car else I will take action on XXXX XXXX. They sent me a letter on XXXX XXXX that they have repossessed the car. I sent the documents to the XXXX XXXX XXXX asking for {$200000.00} plus the value of my car {$39000.00} and the interest I paid from XXXX till XX/XX/XXXX for causing me XXXX XXXX and bodily injury along with not following the FBI Complaint of XXXX XXXX and wait for the resolution of XXXX XXXX relief Orders from the FBI. Now I am without car for 58 days and renting and spent more than {$5000.00} in renting the Cars and taking XXXX to travel. Can you please get me back all these money as equitable relief for the damages done by XXXX so I can buy a new Car immediately. I am moving to XXXX and packed all the items for the move and put the US Mails on hold. Can you please call and email me only and send me the relief? Thank you so much for all your efforts in this matter and getting me the relief money after validating the XXXX XXXX relief application, 3 months of Calls I made to XXXX XXXX team, FBI Complaint, Emergency visit and prompt loan payments till XX/XX/XXXX and my credit score of XXXX sending in the attachments. Best Regards, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A