Date Received: 2022-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, I need to dispute 3 charges made with my debit card ending in XXXX, because the seller never sent the merchandise and also never answer the pone callas and replied the several emails I sent to them. Transaction 1 : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, must be delivered on or before than XX/XX/XXXX Transaction 2 : XX/XX/XXXX, XXXX. It was an XXXX XXXX XXXX XXXX, must be delivered on or before than XX/XX/XXXX Transaction 3 : XX/XX/XXXX, XXXX it was an XXXX XXXX, must be delivered on or before than XX/XX/XXXX XXXX
Company Response:
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$390000.00}
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: After paying {$400.00} dollars ( {$8.00} per day ) on XX/XX/XXXX or XXXX, I emailed the 53rd investigation asking them to temporarily suspend my account in order to understand just exactly what they were charging. I only received the standard " Do Not Reply '' email. On XX/XX/XXXX, I went to the XXXX XXXX location and paid another {$270.00} in order to CLOSE the account and to stop the bleeding. Bank Receipt information follows : XXXX/XXXX/22 XXXX pm Teller : # XXXX BC : # XXXX REF : # XXXX As of today - XX/XX/XXXX - I still have not received any mail or emails from 5th 3rd bank ). Customer service rep said I had to go to local bank for letter to ( now ) stop doing business at 5th 3rd.bank. This was my rarely used business card for XXXX XXXX. Please cross-reference this complaint with DOJ regarding XXXX. This bank is partnered with XXXX. Thank you.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Stated in FIFTH THIRD BANK XX/XX/2022, CFPB response letter, " we stand by the response conveyed to you in our previous letter sent to the above address on XX/XX/2022. '' FIFTH THIRD BANK has forwarded ( 2 ) responses in regards of the XX/XX/2022, original complaint. A copy of the private response letter mailed to my home address dated for XX/XX/2022, has been attached to this complaint for the CFPB review. FIFTH THIRD BANK stated in their XX/XX/2022, CFPB response letter : " We appreciate your patience while we conduct our research ''. The initial XXXX XXXX complaint still stands and has not been addressed at all-has FIFTH THIRD BANK conducted their research in reference to my XX/XX/2022, Complaint?? Also, will FIFTH THIRD BANK be reversing the XX/XX/2022, adverse decision that was rendered on XX/XX/2022? FIFTH THIRD BANK has been allowed more than 20+ days in regard to researching this matter, a decision has not been made, a decision needs to be made and communicated to the CFPB.
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I need to dispute 2 transactions made with my debit card ending in XXXX, I tried to reach the bank by phone but all the times the waiting time was crazy long, I dont have time to waste on that. And they dont provide any other options to report this charge back request. Transaction 1 : XXXX posted on XX/XX/2022, Is a XXXX XXXX XXXX, I should received the item on XX/XX/2022, the seller never sent the item Transaction 2 : XXXX posted on XX/XX/2022, Is a XXXX XXXX XXXX XXXX, I should received the item on XX/XX/2022, the seller never sent the item I tried to reach the merchant several times but they never answered.
Company Response:
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I need to dispute XXXX charges made with my debit card, because the shop never sent the items to my address and never provided any tracking number ior information of the shipment. 1 : XX/XX/XXXX, XXXX : It was a XXXX XXXX phone, must be delivered on XX/XX/XXXX 2. XX/XX/XXXX, XXXX : It was a XXXX XXXX phone, must be delivered on XX/XX/XXXX 3. XX/XX/XXXX, XXXX : it was an XXXX XXXX XXXX, must be delivered on XX/XX/XXXX XXXX. XX/XX/XXXX, XXXX : it was an XXXX XXXX XXXX must be delivered on XX/XX/XXXX I called many times to the merchant but they never answer the calls, and also never answered the emails. Also I tried to dispute this charge directly with the bank but they waiting time trought the callcenter was very long and they dont provide any other option to dispute charges.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Cfpb complaint was filed on XX/XX/2022 in reference to an adverse decision. The cfpb closed this complaint after FIFTH THIRD BANK responded with an correspondence dated for XX/XX/2022 that stated they are " conducting research ''. FIFTH THIRD BANK also forwarded a 2nd letter to my home address dated for the exact same date of XX/XX/2022 which disclosed the same correspondence that was submitted to the CFPB with the last paragraph worded completely different. The initial issue of the original complaint has not been addressed or solved. FIFTH THIRD BANK has submitted two totally different responses in regards to my original complaint. One response was submitted to the CFPB and another response was forwarded to my home address that states a different outcome of my original complaint. The original complaint has not been addressed and FIFTH THIRD BANK has created two response letters that disclose two different actions/outcomes. Please help resolve the initial issue.
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Our XXXX Acccount/ FIFTH THIRD BANK Also known as. XXXX also known as XXXX XXXX should not be reporting late IN XXXX, XXXX OR XXXX OF XXXX. I am just mortified. MY WIFE CAN'T STOP CRYING. MY WIFE CALLED IN AND DISCUSSED MY ACCCOUNT WITH XXXX 'S CUSTOMER SERVICE BACK IN XXXX OF THIS YEAR. IT WAS CONFIRMED THAT THE ACCOUNT WAS DEFERRED FOR BOTH THE MONTHS of XXXX, XXXX AND XXXX. TO OUR DISMAY AFTER CONFIRMING WITH XXXX STAFF THAT THE ACCOUNT WAS DEFERRED WE NOTICED WE HAD BEEN MARKED AS LATE! the staff said they wouldn't do anything to help us! but we confirmed it was deferred on a recorded line! MY WIFE AND I WOULD HAVE NEVER LET THAT HAPPEN. WE ARE TRYING TO CLOSE ON A HOME PURCHASE. WE HAVE NEVER PAID THIS ACCOUNT LATE AND WE HAVE HAD THIS SINCE LOAN SINCE XXXX!!!
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I am filing a complaint in response to the resolution I received from Fifth Third on XX/XX/XXXX regarding the bank damaging my credit for following the explicit instructions given to me by the bank. Throughout the investigation, there was a complete lack of communication from Fifth Third and the eventual company response failed to even acknowledge the basis of my original complaint. The issue was I was given blatantly false information and incorrect instructions from multiple bank representatives regarding a credit card dispute. I was advised at the branch ( end of XX/XX/XXXX, in-person meeting with XXXX XXXX XXXX to refrain from making any kind of payment on the card during the dispute and was later penalized for following the explicit instructions given to me by the bank. I also received contradictory and false details about the status of my card on a recorded line ( XX/XX/XXXX ). At the beginning of the process, I was contacted by the case manager, XXXX XXXX, who assured me he would be in regular communication with me regarding the issue. Despite calling him multiple times a week, I was not able to get a hold of him once beyond our introductory conversation. After hearing nothing from Fifth Third throughout the investigation, I received the resolution and it did not even address the claims regarding false information and inaccurate instructions given to me by the bank in their response. This was the entire basis of my complaint. To me, this is a sign that the complaint was not investigated with any reasonable amount of legitimacy or objectivity. In this situation, Fifth Third is both the defendant and the judge when it comes to resolving this complaint, not to mention the conflict of interest in the fact that Fifth Third benefits financially ( accrual of fees ) by ruling against my favor. I have not received the bare minimum of communication or even accurate and accessible information regarding my credit card with Fifth Third since the dispute took place. I insist that Fifth Third explains and acknowledges the blatantly incorrect information they gave me, and does not penalize me for what is a company error.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After ending my 6 month COVID-19 Forebearance with 5/3 Bank, which ended XX/XX/XXXX, I received a letter in early XXXX stating that I must submit payment to avoid further action. After making many attempts to communicate with the bank and explain that I had applied for Illinois housing assistance, I was told that they have no information to that regard. I received my XXXX payment, so I paid the amount the letter stated, and separately maid XXXX payment. I continued to reach out to the bank asking that the funds they received be posted so that I would not incur further action. After many attempts, I was told I hadnt paid all that was due, and that I had late fees. So, I submitted a payment for XXXX to cover late charges that should not have been charged. My mortgage payment was shown on account but not posted to it, so I called again. They said they are working on a loan modification. I explained that I dont want a loan modification and that the money I sent still had not been applied. I explained I did not know of any modifications except the Forebearance that already passed. Finally, I checked and saw payments to mortgage posted from the funds I submitted in XXXX. Then I made XXXX payment. Then I received a statement requesting money for XXXX, which was more than it shouldve been. Concerned, I sent that payment and am still waiting to see the documentation of the payment submitted in XXXX. I requested that my account be reviewed for accuracy and was transferred to many representatives without any resolution. I need help in getting 5/3 to communicate with me and explain where money was posted and why I was charged late fees or other fees.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A