Date Received: 2022-08-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Bank notified me of suspicious activity on my account Fifth Third Bank credit card. . XXXX charges popped up in a few minutes. XXXX were paid out before the bank stopped the transactions. and the next XXXX charges were pended and not paid. Fifth Third Bank, XXXX, XXXX Date of Charges - XXXX XXXX of Charges : XXXX XXXX XXXX {$640.00} Get Your Guide Operations {$260.00} Total of XXXX charges - {$900.00} I immediately called the bank on XXXX and they said yes they were fraud and made over the internet by someone who must have gotten my acct number. Fifth Third Bank cancelled the credit card on XXXX and said they would forward the {$900.00} charges on to the Fraud unit of Fifth Third Bank. I called 3 weeks later to find out the Fifth Third Bank employee did not forward to fraud unit. They again told me they would forward it to the fraud unit. I have called every week since XXXX. I have been on hold and passed around each time I call and told that they are behind and would get to it soon. It has been 4 months since the fraud event. I also called branch bank XXXX miles away, on XX/XX/XXXX, and got the Branch Mgr involved who said he would get it fixed. He has not gotten it fixed. They state they are behind, well, They did not pend these charges they stated were fraudulent, and Fifth Third is billing me interest each month on the {$900.00}. Every other company pends these fraudulent charges, and Fifth Third is the one that told me about the fraud charges. After XXXX months they have not even started looking into the fraud, and they are not pending the charges on my bill.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I as the original creditor, the banks did not give me any notice that i can rescind or let me know we have the option to not let them report this on my credit report neither. 15 usc 6802 ( a ) opt out general a b & c. By law, insurance supposed to be included in all mortgages and car loans, 15 usc 1605 ( a ) # 5. Its against the law for banks to lend its credits anyway. Farmers & miners bank v. Bluefield Nat 'l bank 11 f 2d 83, 271 us 669. Their are many more violations. The banks have been getting away with it far too long now & they think we the consumers wont catch up with their financial fraud schemes. It's called promissory fraud. There is no money : read hJr 192. Every bill you get comes in a positive. They owe you when its in a negative. Everything is already paid for before you even signed anything. What they doing is illegal under art 1, sec 10, par 1 of the constitution. Their fraud makes the signature agreement null & void period. Fraud trumps any contract. And where is the banks signature? i never got the two copies of the rights i have so this is fraud. i am contacting the bank and gathering evidence for possible litigation. 12 CFR 226.15 - Right of rescission. i after sending you notice of Rescission will discontinue to make payments of the car. if this car is not removed from my credit report i will seek remedy for damages. i never gave Permissible purposes 15 U.S. Code 1681b - Permissible purposes of consumer reports to disclose any of this information on my credit report. there are many violations. i will be sending formal letters certified mail.
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX Contacted Fifth Third Bank for a copy of my file and requested a copy of the XXXX XXXX. As of XX/XX/2022 have not received the letter. According to Resp 12.U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) | Consumer Financial Protection Bureau ( consumerfinance.gov ) I am in fact entitled to receive the letter. The Qualified Written Request was submitted XX/XX/2022. No response from Fifth Third Bank XXXX Contacted Fifth Third Bank for a copy of my entire file. There were too many inconsistencies from department to department. As of XX/XX/2022 have not received the letter. According to Respa 12.U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) | Consumer Financial Protection Bureau ( consumerfinance.gov ). I am in fact entitled to receive the letter. The Qualified Written Request was submitted XX/XX/2022. No response from Fifth Third Bank Contacted the XXXX XXXX XXXX, XXXX one of the lawyers from XXXX via email dated XX/XX/2022 to make sure the right law firm was handling the case. The phone numbers match but the address on the Urgent Notice of Acceleration of the Mortgage Loan : Payment Due in Full Does not match. The law firm on the letter is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX XXXX. The email XXXX XXXX XXXX sent me does not have an address only a website www.codilis.com. Notice not sent of the transfer of my mortgage to XXXX XXXX XXXX. The title company I closed with is XXXX XXXX XXXX XXXX XXXX. I can't tell if this is the original document or a fake.
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On Tuesday, XX/XX/XXXX, my car was broken into and my purse stolen - including driver 's license, credit card, and debit card. At last one other vehicle was broken into at the same time, and it was all caught on video by XXXX XXXX in XXXX XXXXXXXX XXXX. Within 60 minutes of the break-in, all cards had been cancelled, and the bank notified of the theft. A police report was immediately filed. Around XXXX XXXX., the thief tried to withdraw several thousands of dollars from a Fifth Third Bank branch in XXXXXXXX XXXX She was wearing a wig, and when she was asked additional identification questions, she demanded the teller return me ID and credit card to her, which she was using to impersonate me to gain access to our accounts. At XXXX XXXX that afternoon, she tried again at a Fifth Third Bank branch in XXXX XXXXXXXX XXXX This time, the bank called XXXX, but the woman fled when she saw police. This branch captured video and still images of her. They also kept my driver 's license and credit card, so they were no longer in the thief 's possession. The branch manager at this bank ensured there were flags all over our accounts, said our money was safe, and that additional safeguards were in place to prevent people from accessing the money. When I asked, during all of this, if we could freeze our accounts, I was told no, and that would money would be fine. On Thursday, XX/XX/XXXX, someone presented two checks to the bank written out to me, with a forged signature on the back. The checks had NOT ever been deposited, but the thieves issued a " stop payment '' order on the checks, and Fifth Third Bank refunded them the money. We do have images of the checks we can present as evidence. One check was for {$2900.00}, the other for {$2400.00}, for a total of {$5400.00}. We discovered the money was missing on XXXX, and immediately started the process of filing a dispute. I spent more than XXXX hours on the phone, being handed to different departments, getting disconnected while being " transferred '', and then finally being told I had to call a different department which, by then, was closed for the day. I went to our local Fifth Third Bank branch in XXXX XXXXXXXX XXXX on XXXX morning ( XX/XX/XXXX ) and sat with a banker to file a claim through her. Despite working for the bank, she too had to go through the same process we did with an XXXX number, and we were initially told that again was the wrong department. Finally, they allowed me to open a dispute, and I was told it could take up to 10 business days to resolve. It took more than 6 hours to even get a dispute filed, and may never have been able to without the insistence of an actual Fifth Third banker that money was wrong taken from our account. We never received any confirmation of opening the dispute, or any communication from Fifth Third. When I called Fifth Third on XX/XX/XXXX, I was told there were no updates. When I called on the 10th business day, XX/XX/XXXX, I was told I was misinformed and the investigation could take up to 15 days, and there were no updates on the case at all. The banker from our local branch called and was given the same scripted answer, and no additional information. When I called at XXXX XXXX. on XXXX, I was told the investigation was still ongoing, but there would be a resolution by close of business, and I would receive an email confirmation of such that day. When I called back after close of business, at XXXX XXXX., I was told there was no resolution and these disputes could take up to 30 days to complete. When I pushed back, I was told they would expedite the investigation, and have a resolution within 2 more business days ( XX/XX/XXXX ). When I called at XXXXXXXX XXXX. on XXXX, I was again told there would be a resolution by XXXX. When I called back at XXXXXXXX XXXX, the line was closed. I called back again at XXXXXXXX XXXX. on XX/XX/XXXX, and was told there was still no resolution, and despite my insistence and asking how I can escalate it, if I could take to a manager, etc., I was told I simply had to wait, and again guaranteed an answer by XXXX. When I called back at XXXX XXXX. on XX/XX/XXXX, I was given the same answer, and no way to escalate it. I asked if the bank would ever reach out or communicate with me, and was told no - it was 100 % on me to communicate, and when a resolution was found, we would receive information via USPS ; I would have to keep calling for answers. I called again at XXXXXXXX XXXX. on XX/XX/XXXX, and received all the same responses - and no answers at all whatsoever. As of today, it has been nearly one month since the money was wrongly taken from our account, and we have not hear from Fifth Third Bank on a single occasion, and spent hours and hours on hold, pressing for answers, and getting nowhere. Fifth Third Bank has footage of the woman trying to impersonate me, there is an ongoing investigation with the XXXX XXXX XXXX XXXX Department, and other evidence to support our dispute to get our money back. But above all, Fifth Third Bank needs to be held accountable for giving someone {$5400.00} out of our savings account that was never deposited in the first place, despite all the red flags all over out accounts.
Company Response:
State: MI
Zip: 48309
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX I discovered {$630.00} of fraud charges on my credit card and contacted my credit card Fifth Third Bank. They closed that credit card and issued a new credit card. XX/XX/XXXX I received a letter from Fifth Third Bank Dispute Resolution XXXX XXXX XXXX XXXX, GA XXXX stating they have initiated an investigation and have requested information from the merchant and I would be notified when matter resolved. I was never contacted and called them at XXXX on XX/XX/XXXX, XX/XX/XXXX ( was told it would be corrected in 2 days ) called back in 2 days on XX/XX/XXXX not resolved. Told to call back in 3 days. Called on XXXX resolved and would not give me details of dispute. Called again on XX/XX/XXXX, XX/XX/XXXX. I can not get answers and informed Fifth Third they have exceeded the allowed 60 days. on XX/XX/XXXX, {$630.00} of fraud charges that were transferred to new credit card were credited then they put {$550.00} of the fraud charges on the old credit card. I called them and they stated they closed the previous case due to time restraints and opened a new case. WHAT-is that legal! I have read the Fair Credit Act law and it clearly stated they have 60 days to resolve. XX/XX/XXXX, I called them with no return call. it has been almost 90 days and no resolution and they have been very rude. Fifth Third customer service is horrible. Is this how they valued a 25 years+ customer!
Company Response:
State: MI
Zip: 48183
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Got a text message supposedly from Fifth 3rd Bank sending me an passcode number. Saying here is you access number if you did not request it contact us. First I do not have an account with them and second the phone number is a cell phone. The number the test came in on was XXXX
Company Response:
State: OH
Zip: 45245
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
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: On or about XX/XX/XXXX, I received a notice from Fifth Third Bank that my checking account had gone into overdraft and that funds had been taken from my line of credit to cover the overdraft. This did not make sense so I looked at my account online to see that Fifth Third had processed check # XXXX that I had written in XXXX, XXXX for {$140.00} and had cashed it for {$15000.00}. A copy of the check is attached. I immediately went to the bank and meet with XXXX XXXX, my personnel banker. XXXX XXXX told me that the check had been probably stolen from the USPS and altered and that Fifth Third had cashed it for the forged amount of {$15000.00}. XXXX XXXX had me sign numerous documents and told me that my money would be returned to my checking account. He told me it would probably be returned sooner but no longer than 180 days. I told him this was ridiculous as Fifth Third had cashed a check that was obviously fake and that this was not acceptable customer service. I continuously followed up with XXXX XXXX until early XXXX. He kept giving me the run-around and telling my money would be returned soon as I am a Preferred Customer. I told him that if this is the kind of service a preferred customer receives, I can not imagine the kind of serve a regular or poor customer living on social security would receive. As a XXXX person, I believe that Fifth Third is engaged in elder abuse. I asked to speak to someone higher up in the bank but XXXX XXXX told me that his boss or the people working on my problem. He indicated that they were not customer facing employees. Then on XX/XX/XXXX, XXXX XXXX told me that he had talk to the XXXX Collection department, the compliance officer, and his boss. He said we need to start over again and that I need to sign a new packet and start the 180 day process again! Again, he indicated that I could not speak to his boss or to anyone with more authority at Fifth Third. After numerous unsatisfactory calls and meetings with XXXX XXXX I went to the XXXX XXXX, Ohio Police Division on XX/XX/XXXX and completed a police report that is attached.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX, in the middle of COVID, forbearance options were provided to homeowners such as myself. As I was in a financial hardship due to COVID, I decided to use this option. At the time I was told I would have multiple options on how to settle this later, such as a restructured note, or a delay until the end of my note ( a balloon payment ). Starting the process was relatively easy, but getting any kind of feedback or assistance from my lender to settle things has been a nightmare. Essentially, I have never been given any option other than to restructure my mortgage to a XXXX YEAR note ( I only had XXXX years left on my original mortgage ). I was given no counseling on options, I was told it was impossible to speak with the loan modification person -- one day just a bunch of papers showed up via XXXX, and we were being coerced into signing them. The paperwork was not accurate ( one of the " owners '' was listed and required a signature -- my deceased father-in-law ), and I did not want to go from essentially a XXXX mortgage to a 40 year note. I contacted Fifth Third Bank ( my mortgage company ) and brought up the fact that I was not given any options and that even if I wanted to sign that paperwork it was not correct. After multiple phone calls after that, they sent NEW paperwork, that essentially was the exact same as the first round of paperwork, with slightly different payment amounts, but still a 40 year mortgage. I called them once again to state I did not want a 40 year mortgage, that I was never given any options, and they once again denied me the opportunity to discuss this with the loan officer doing forbearance situations. About a month later, I received a phone call from my mortgage company saying they are in the process of foreclosing on my home. Now, it is important to know that I have been making my mortgage payments, and on time for quite a while now. Even before I received the first round of paperwork, I have been making regular mortgage payments ( since essentially XXXX of XXXX ). AT NO TIME HAS ANYONE EVER THREATENED FORECLOSURE of my home, until this most recent phone call today. It has never even been a topic of discussion ... ever. Before COVID I had never missed a payment, I had never been late on a payment for literally XXXX years. During COVID and my hardship, I was told that basically I would not have to make payments during my hardship, up to 18 months I believe, and once my hardship was over there would be multiple ways to settle the situation. During COVID, my lender was extremely hard to get a hold of if I had any questions, and pretty evasive as to what my options would be when it was time to settle things. Now I feel like my lender is not only being evasive, but I feel they are purposefully attempting to slow play me into either a loan modification that I never wanted, or delay things until they can attempt to foreclose on my house, which has coincidentally gone WAY UP in value the last XXXX years. In either case, it would be a great thing for them, but terrible for me. I have maintained contact with the lender throughout this whole process, have MADE MY PAYMENTS, and have attempted to settle the forbearance, but I feel like I am constantly being given the runaround, have not been ever given any options, and now, out of the blue, being threatened with a foreclosure. I feel this is an unfair and predatory practice, and I want to lodge a formal complaint against the lender.
Company Response:
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have never been late with a single mortgage payment. I made my XXXX XXXX monthly mortgage payment on XX/XX/2022. On XX/XX/2022 my mortgage loan balance became {$71.00}, XXXX. On XX/XX/2022 I contacted the Bank via chat to advise that I made a payment of {$1000.00} which should be applied to additional principal. The Bank employee responded that the request has been submitted. All screenshot of my conversations with the Bank are saved onsite. On XX/XX/2022 I contacted the Bank again to advise that I made one more payment of {$1000.00} which the bank was scheduled to receive on XX/XX/XXXX and asked to apply it to additional principal too. All screenshots are onsite. With these two additional principal payments I expected my mortgage loan balance to go down to {$69.00}, XXXX. On XX/XX/2022 both payments of {$1000.00} each were posted in my account as unapplied credit by the Bank. I contacted the Bank again via chat to remind to apply both payments to additional principal. The bank employee said that the request has been made. On XX/XX/2022 my account showed that the Bank applied the funds received on XX/XX/2022 to XXXX XXXX monthly mortgage payment instead of additional principal. As the result of such manipulation by the Bank, my loan balance increased to {$70000.00} instead of dropping to {$69000.00}. The Bank keeps doing it month after month, and every month we have to go through a reapplication of funds process which delays the application of additional principal.
Company Response:
State: WA
Zip: 98422
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In late XX/XX/2022 or XXXX XXXX XXXX my checking account at Fifth Third Bank was hacked and numerous unauthorized withdrawals were made. The fraudulent acts included multiple XXXX transactions ( {$1000.00} ), foreign money transfers ( {$5200.00} ), XXXX payments ( {$900.00} ), and other online transfers ( {$3800.00} ) until my account was depleted. I contacted the bank in late XX/XX/2022 when i became aware of the situation and reported in person all fraudulent activity that had occurred. To date, only a portion of the funds from the fraudulent transaction has been returned to me with the {$900.00} XXXX and {$3800.00} other online transfers denied without specific reason or cause. The reasons for denial from Fifth Third Bank include " we've determined the transaction is valid '' and " our research confirms that the transaction was valid. My contacts with the bank to trying to settle the matter included in-person visits to my local Fifth Third branch, telephone calls to the Fifth Third Fraud Department and Multiple letters to the Fifth Third Disputes Department requesting return of funds from the fraudulent acts. I also filed a police report with my local department in XXXXXXXX XXXX
Company Response:
State: IL
Zip: 60134
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A