Date Received: 2022-09-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2022, I used the Cardtronics ATM inside of the XXXX store located at the intersection of XXXX XXXX and XXXX XXXX XXXX. I attempted to withdraw {$400.00} from my XXXX card provided by Fifth Third Bank. The ATM malfunctioned and I received a receipt saying that my transaction was denied. The money was still removed from my account. I called the number on the machine and the agent referred me to my bank because there was NOTHING that he could do. So I called my bank on numerous occasions, and each time I was told that my money would only refunded within 45 business days and that there is NOTHING that they can do. I even spoke with a manager called XXXX who insisted that I won't have any money until the investigation is complete. Obviously, I need the {$400.00} to pay bills. Please help. There should be a way for me to have access to {$400.00} before 45 BUSINESS DAYS!!
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Fifth Third Bank charged {$5.00} dormancy fees on multiple accounts I hold with them ( a checking and a savings account ). It is my assertion that in doing so, Fifth Third engaged in unfair and deceptive behavior : ( 1 ) the fees were not disclosed when the accounts were initially opened ; ( 2 ) account statements were not provided to me; and ( 3 ) my online account access was locked preventing me from discovering and preventing such fees. A significant portion of the period I was being assessed such fees occurred during the pandemic when branch access was limited/restricted. I have many online banking relationships that can be accessed entirely remotely. Requiring a customer to visit in-person is an unnecessary burden seemingly designed to frustrate a customer 's ability to exercise control over their account and maximize Fifth Third 's fee revenue. Furthermore, the fees imposed against one of my balances represents ~50 % of the original account balance. Imposing fees of this magnitude is punitive and unconscionable. This raises serious doubt whether Fifth Third is appropriately discharging their fiduciary duty.
Company Response:
State: OH
Zip: 43201
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XX/XX/XXXX I opened a savings account with {$500.00}. I was told that as long as I keep over {$500.00} in the account, I will not be charged any account fees. Documentation such as the monthly statements support this. In XX/XX/XXXX Fifth Third Decided to call my account " Dormant '' and charge a {$5.00} fee each month. No communication of this change was ever made. My email notifications on their website were mysteriously turned off. No notification in through mail was made until XX/XX/XXXX. At this point I was charged {$45.00} in total without being told. Their website blocked me out from accessing the account because of security concerns. I visited a local branch and was told I could deposit more money to remove the dormant status, but could only refund {$15.00} of the total. As I only had {$20.00} to deposit, I am now facing a XXXX XXXX monthly account limit for having under {$500.00} in the account. Fifth Third Bank deliberately moved my account to " Dormant '' only to get me under the {$500.00} account limit and to continuously charge me until my account was empty without any notice. The fact that my online account was set to not notify me was not an accident. The letter sent too late was also deliberate and unfair. The refusal to give back any fees to get me over {$500.00} was probably done in order to continue making me pay a different account fee. This was not a mistake from the bank but rather done with malicious intent in order to extract all possible funds from my account. I do not believe I am not the only person that has this happened to them. When opening the account and in each statement, I was told there would be no fees if the account was over {$500.00}. This is not what has happened in practice. Fifth Third did not follow what I was told.
Company Response:
State: IN
Zip: 46222
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was scammed in to purchasing gift cards with my XXXX. I made the credit card purchase willingly, however it was under the false advisement of somebody claiming to be XXXX. On XX/XX/2022 I spent a total of {$5000.00} on gift cards. My bank advised I can not dispute the charges because I made the purchases willingly.
Company Response:
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: fifth third is contacting collection companies to harass me. I know nothing anything about any outstanding debt to fifth third.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was scammed out of thousands of dollars by a cryptocurrency trader or some kind XXXX expert. I was told that if I invested {$1000.00}, I will make {$10000.00}, which I did, but I needed to pay an upgrade fee of {$3600.00}. I finished paying it off, but I was told that I had to pay {$1900.00}, because I failed to pay the upgrade fee on time ( {$3600.00} ). I informed her that I wouldnt be able to pay the {$1900.00} and I asked for refunds, but she refused to do so and she repeatedly told me I cant get refunds. I informed my bank, fifth third bank, about the situation and they issued a provisional credit of the total I gave away ( {$4600.00} ) on XX/XX/XXXX. Its been a month and they are now asking for the funds to be returned. I was told that I would receive a resolution of the case on XX/XX/XXXX, but I never got any calls, emails, or texts about the status of the case. I assumed that since I received the provisional credit, that was it.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello. 5th 3rd bank. After disputing two charges that I was being billed for over 5 months.they continued billing me for 3 months although I did not activate my new card, they continued billing one of the two disputed charges on the 3rd month. I paid two times these charges after having disputing them.they would not stop billing my card! On the 3rd month I closed the account.and there continuing allowing whome ever to bill my card even though the account was closed. I paid these false charges twice after telling them to stop.
Company Response:
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX went to purchase XXXX Truck from XXXX XXXX XXXX XXXX, TN. Advised Finance Mgr to obtain financing from personal bank XXXX XXXX XXXX XXXX. Finance Mgr advised XXXX XXXX XXXX was not answering inquiry and they had reached out to other financial institutes for approval. XXXX XXXX XXXX later answered and approved financing for the truck. Now, XX/XX/XXXX, one year later my credit score drops XXXX points!!!?? Shortly thereafter purchasing the truck I went to XXXX XXXX XXXX with a handful of mailed notices I had received for denied financing and spoke with the Finance Mgr on duty. I was advised not to worry about the notices they would not affect my credit score. One year later, I see that is not the truth! I am in very good standing in all other areas with credit reporting. I want my credit score reinstated back to what it was XXXX!
Company Response:
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX of 2021 I noticed a series of micro transactions on my XXXX card ; which was provided to me by my employer ( XXXX ) for my paycheck to be deposited each pay period. These transactions were in small amounts between {$1.00} and {$6.00} each. There were dozens taken from my card between XX/XX/XXXX and XX/XX/XXXX. the total was approximately {$600.00}. This was an entire paycheck that went missing. I notified XXXX by calling the number on the back of my card and they provided me with a new card and told me they will put a request in to refund me the money. after several weeks of waiting, I was notified that the results of the investigation would not support a refund. When I asked why and what the investigation concluded, they told me that they could not provide that information. I asked why they could not provide this information and they said they don't have that information. When I asked to speak to someone that could provide the results of their investigation, they told me that their investigation team does not speak to anyone and can not provide it to me. After a series of phone calls attempting to reach someone that can help me with the investigation results and a series of being hung up on, one person told me that they could send me the investigation results by mail within 10 days. After 10 days, I received nothing in the mail and called them again. They told me that it was sent and to just wait for it to arrive. It never came and I still have no answers. They did not provide me with a reason for denying me a refund for fraudulent charges on my account, nor did they send me any information. I am writing to the CFPB now because I am out of options. I do not know what to do, nor do I have the time to go back and forth with XXXX.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Every month I add an extra payment to the bank. Each month, they apply partial to the principle and partial to interest. I have texted the bank online, every month, to have the payment applied to the principle. Sometimes they follow through and sometimes they don't. For one payment, they removed it completely without putting it back in. Most recently, I have been quite insistent that they fix all of the transactions. This does not result in any response. I have called to try to resolve this over the phone but they hang up on me. My written requests have been 1. Paper statement to be mailed to me 2. A full record of all installments to principle and interest since the inception of the loan with the balance showing on each installment. 3. A phone call from an administrator They have not responded to my requests, twice by use of the text.
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A