Date Received: 2022-09-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I deposited {$80.00} to an atm at XXXX XX/XX/22. My balance was then {$80.00}. 4 minutes later at XXXX, I XXXX {$80.00} out of my account. Im back to XXXX XXXX I have atm receipts and emails to prove the time. On XX/XX/22 I noticed I was charged my $ XXXX monthly fee. No big deal. My account was then - {$10.00}. I added {$20.00} at the atm so my new balance was {$9.00}. I then zelled out {$9.00} to cover a gym membership on another account. 5th 3rd bank charged me {$37.00} overdraft fee by back dating their {$11.00} fee to the XXXX and forward dating my {$80.00} XXXX to the XXXX, which is fraud. I have time stamped atm receipts and emails to prove this. They did this to collect their fee. Their document makes it sound like they coveredme as if I was in the negative. As we all know you can not XXXX money out that you dont have in your account. My {$80.00} XXXX went through without an issue putting me back to XXXX XXXX balance which is what it was before my {$80.00} deposit. 5th Third Bank committed fraud and I have proof with time stamped receipts and emails. No $ XXXX monthly maintenance fee went through my account until the XXXX, otherwise my account wouldve been- {$10.00} when I rolled up to the atm on XX/XX/22 at XXXX not XXXXXXXX XXXX in the positive.
Company Response:
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The list of accounts below has violated me the consume and my ferderally protected nonpublic personal information and rights to privacy and confidentiality under 15 USC 1681. FIFTH THIRD BANK NA Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights to privacy and confidentiality. 15 USC 1681 section 602 A, states that I have a right to privacy and confidentiality. 15 USC 1681 section 604 A section 2, states that a consumer reporting agency shall not furnish information containing an account without my explicit written consent. 15 USC 1681c ( a ) ( 5 ) states that, No consumer reporting agency shall make any consumer report containing any information of the following : any adverse information of items, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information provided is inaccurate.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This started back in XXXX of 2021. We tried to make 3 house payments that month, in order to catch us back up. The first one was made on XX/XX/2021. This was the XXXX payment. ( {$960.00} ) The second payment was made on XX/XX/2021. This was the XXXX house payment. ( {$960.00} ) Late fees were included in the first 2 payments. The third payment made was supposed to be for XXXX. It was paid on XX/XX/2021 ( {$930.00} ) The third payment was applied to our principal instead of being used a house payment. I made several phone calls and finally after 6 months it was resolved and applied to the mortgage. This mortgage lender does not take partial payments. Prior to this fiasco in XXXX, we tried to pay what we could. They are an all or none financial institution. This caused great stress to us, as we were trying our best. I was unemployed for 6 weeks. Their policy is to mail back the amount they received in the form of a check, if it is not the full amount due. It is sent back via the US Postal Service. Therefore, on several occasions, by the time we received the check, cashed it and tried again, we were falling further behind. Our major concern now is that the bank has reported that we had seven late house payments. This is simply not true. I have my online banking statements to back up this reporting. We recently have tried to apply for a mortgage that would involve selling our current home and moving. We were denied due to what Fifth Third Bank reported to the credit bureau.
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Agreed to voluntarily return recreational vehicle XXXX XXXXXXXX XXXX related to COVID crisis in exchange to remove debt and debt still remains on credit report in the amount of {$1400.00}. Received letter from company saying I owed money still after the sale of vehicle which was not discussed with me as an agreement to be owed after the fact.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage obligation was transferred from XXXX XXXX XXXX XXXX recently to Fifth Third Bank. I can not pay this mortgage obligation online due to arbitrary reasons. Fifth Third Bank requires that you visit one of their retail branch locations to set up their online banking service to make payments. The closest retail location is over 10 miles from my residence. This isn't an actual security requirement to visit a branch location. It is a ploy to cross-sell potential new relationships on retail banking products by requiring people to visit a branch location. This is unethical and disparately impacts people with disabilities, of whom my wife is one, and as she is on the mortgage obligation, this directly impacts her. To my knowledge, no other mortgage servicing firm has such arbitrary requirements.
Company Response:
State: NC
Zip: 28739
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage was just sold to Fifth-Third Bank last month. They have been the worst mortgage servicer I have ever dealt with. They have no real way to access your loan information online. I called them so I can get access to an online portal and they wanted me to create a " false '' credit card in order to set up a mortgage account. They were unable to create the " false '' credit card number and told me to call back in a few days. If this was not a major bank I would assume this was a scam with someone trying to create a credit card in my name. Honestly, I am unsure how safe it is for the bank representatives to just give out " false '' credit cards to everyone. A XXXX XXXX to Fifth-Third Bank. It's great that you want to buy mortgages! But, if you want to be in that line of business you probably should have an infrastructure that does not make you look like a scammer trying to create credit cards in other people 's names.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My son 's dad passed away on XX/XX/2020 and we tried to make payments on his home equity loan for {$16000.00} and Fifth Third bank wouldn't accept any money. We obtained the " Letter of Office '' from our attorney and personal brought it to the bank, still they wouldn't accept any payments. We have two pages of notes showing all the action we took, but they wouldn't accept payments. Now they have an attorney who added an additional {$9900.00} fees to the loan and is trying to foreclose on the property. We have paid the homeowner 's insurance, some of the property taxes and maintained the property in order to sell. We have a buyer for the home, but the bank has a lien on the property, stopping us from selling and paying what we owe.
Company Response:
State: AR
Zip: 726XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: A couple of months ago around the beginning of XXXX I opened an account with a {$30.00} deposit with fifth third Bank. Within 2 weeks I tried to log in and they invalidated my login credentials. I called to find out the reason and I was told that I needed to verify my information at a physical branch. I informed them that I am not able to go to a branch as they are not accessible from where my location is. After that they sent me a letter stating that they would close my account down in 15 days if I did not go to verify my information so I decided to wait and let the account close so I can retrieve my {$30.00} deposit. It is almost a month since that letter was sent and I have not received any form of communication or update about my deposit from this Bank. I have called them multiple times and have been hung up on or put on hold for so long that the phone system automatically hangs up my call. I do not want to have anything to do with this bank as I had not had a chance to use an account I've had open for multiple months. I just want my money back, they told me they were going to get me my money back and they have not as of today.
Company Response:
State: NC
Zip: 28379
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Approximately six ( 6 ) months ago my home mortgage was purchased by Fifth Third Bank. Several months ago I set up automatic payment of my mortgage from my checking account. My mortgage payment is scheduled to be paid on the XXXX of each month. On XX/XX/2022 I received an email from Fifth Third Bank informing me that my " account ending in XXXX requires prompt attention '' and that I should take one of the following actions as soon as possible :. Go to XXXX, or any Fifth Third branch to make a payment today .Give us a call at XXXX, option 3 to discuss your account. We're available Monday Thru Friday, XXXX to XXXX. .Mail us a payment by check Over the past several days I have contacted Fifth Third Bank to find out why I was sent this email. I was transferred to at least 5 different department. During my first call I was informed by the representative that my XXXX payment had not been made. I told the representative that I had automatic payments for the XXXX of the month already set up. He again repeated the same thing and only after asking him to check again did he see that my payment was set up to be paid the XXXX of each month. However, I had still not yet received an explanation as to why I was sent this email. Also, it is my understanding that any communication sent that is an attempt to collect a debt must state this fact ; there was no such statement on the email I received. Again today I called back and was transferred to several number. Finally, the last person I spoke to said that the email I received was just a " friendly reminder '', and that, if in fact I had a payment scheduled, I could just ignore it. She explained that it is the procedure of the bank to send out " friendly reminders '' when a payment is not received on the XXXX of the month. I told the representative that I considered this sort of communication as harassment, and a waste of time on the part of the bank. I further indicated that based on what I had been told that I would receive these " friendly reminder '' emails every month. I again asked as to why the bank would waste their time to send a " reminder '' to a customer whose payment was not yet due and was in fact scheduled. Not receiving an answer, I terminated the call.
Company Response:
State: NY
Zip: 12603
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The bank is not providing credit for payments made and held in the suspense account. I am attaching correspondence from the bank dated XX/XX/2020 and XX/XX/2020 wherein they acknowledge receipt of payments and that the payments were returned to me in the form of various checks therefor they no longer have my funds. I have also attached copies of some of the checks sent to me but not cashed. ( I also note the bank correspondence indicates additional checks were sent that I do not have ) finally I have I attached the banks affidavit of amount due and owing which lists a {$0.00} amount for the line item less/plus balance due in suspense accounts. Payments from XXXX XXXXXXXX XXXX were put into the suspense account. I never cashed the returned checks nor received credit
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A