Date Received: 2019-04-28
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened a promotional checking account with Fifth Third Bank on XX/XX/XXXX I had completed the requirements needed for the {$250.00} promo but as of today I have not received it. The Problem : A loan popped up on my online account when I logged in one day, the loan says I owe {$4400.00} open date of XX/XX/XXXX, I asked the bank to provide documents but the say it's XXXX years old and no information exist, so I ask why is this unknown loan on my account showing due of almost 5k with no backup documents. also says balance of {$1100.00}? Please see attached
Company Response:
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2019-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I apply for financial hardship in XXXX. I had sickness and loss of income. Received unemployment so I was able to submit an application for a hardship. I completely information For financial hardship explaining my situation. After a long flight to get help after continuously trying to talk to the mortgage company. They kept giving me a lot of runaround. Finally got a notice that I was approved A Forbearance in XXXX. So the forbearance would have went through XX/XX/XXXX, I received an email from a XXXX XXXX with Fifth Third, On XX/XX/XXXX, at XXXX XXXX, XXXX, XXXX XXXX wrote : She requested paystubs. I sent all the information XX/XX/XXXX through email. The only correspondence that I received after that was on XX/XX/XXXX, requesting a monthly worksheet so that we can start the modification. I sent all the information as requested Through email. On XX/XX/XXXX, at XXXX XXXX, XXXX, XXXX wrote : Do you spend anything for auto gas and I stated no. And that was it. I heard nothing from this point. On XX/XX/XXXX of XXXX, I sent another email to XXXX requested an update. She replied that a repayment plan was mailed out to me on XXXX XXXX mail. And asked Did I not get it? I Reply no!! And asked what was the payment plan. I heard nothing. On XX/XX/XXXX, I sent another email and got a reject noticed that XXXX Is no longer with the bank. I called and spoke to several people. XXXX XXXX XXXX For an update and she stated that her fouls never moved to another individual, and that she will assist me a call me back on Friday XX/XX/XXXX To see if she can get with a Nother negotiator so they could get the paperwork back out to me so that I can sign it and start the repayment plan. I heard nothing from her Until XX/XX/XXXX. And she requested that I start the whole process over. Im very frustrated not sure whats going on. Ive called and spoke to XXXX on On XX/XX/XXXX and she advised me to send a signed form only, and additional paychecks and that they can use the same information to resubmit. I resubmitted on XX/XX/XXXX. But got a call today XX/XX/XXXX from a XXXX requesting payment and that Im in foreclosure. When I Called On XX/XX/XXXX, I wasnt in Foreclosure, now I dont know what to do at this point because now theyre stating that an attorney has been assigned to the fair and that theres additional fees is going to be attached on the mortgage. I never dropped the ball I got approved for payment plan. The person that was working My file is no longer with the bank. Contacted XXXX XXXX, she asked me to forward all the emails from XXXX and I did and now theyre making me start the whole process over and Im in jeopardy of losing my home. I need help, I need help. To stop this from happening. Im baffled that a company can start a foreclosure process, due to me being approved for repayment plan, but due to me never receiving that information in the mail, I am now about to lose my house. I told XXXX and XXXX at FifthThird about what happened. But no one will help me.
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX requested 5th 3rd bank to perform an appraisal to remove PMI if reduced to 80 % per attached letter XX/XX/XXXX received attached letter stating that the LTV was 76.5 % and did not meet the 75 % Called many times but got the run around XX/XX/XXXX Email Request with attachments to remove PMI as I had fulfilled requirements of 80 % in first letter - No response XX/XX/XXXX Email Request with attachments to remove PMI as I had fulfilled requirements of 80 % in first letter - No response XX/XX/XXXX Called 5th 3rd bank and was told the process had been started to remove my PMI XX/XX/XXXX Called again to get a stats update and was told the request had been rejected, I asked to speak with a manager and she requested I email them all my back up which I did - Attached XX/XX/XXXX received a vmail message that the appraisal was 120 days old and no longer valid and that I could pay for a re-appraisal to meet the 75 % I stand by the fact that the original paperwork stated 80 % and I have fulfilled this obligation
Company Response:
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This morning, I had a positive balance of {$70.00}. At XXXX, I was charged an overdraft fee of {$180.00}, putting the balance of that account at - {$100.00}. I am overdrawn because of an overdraft fee.
Company Response:
State: OH
Zip: 43206
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I processed two payments using the XXXX application on XX/XX/XXXX in the amount of {$500.00} each. The XXXX app indicated a problem occurred and to try again later. The recipient of these funds has never received the money. However Fifth Third Bank has deducted the funds from my checking account. I placed a dispute on XX/XX/XXXX. My claim was denied on XX/XX/XXXX. I contacted the bank and reopened the claim with supporting documentation from XXXX to verify the funds transfer did not take place. The claim was denied a second time on XX/XX/XXXX. I contacted the bank and reopened the claim a 3rd time and offered a case number provided by XXXX so the bank can contact XXXX to confirm my transfer did not process and the recipient has not received the funds. The bank states they have information that the recipient received the funds. However, they are not able to provide details on how they have verified this. They keep instructing me to contact XXXX and find out where my funds are. I have done this three times and each time XXXX has confirmed the funds did not transfer. The bank should be able to easily verify with the debit card issuer, MasterCard, to confirm the details of this transaction. It is now XX/XX/XXXX I was am still waiting to receive a credit for my {$1000.00}. Each time I call Fifth Third Bank I seem to get a run around with no resolution. I am told over and over the recipient has received the funds. However, no one can tell me how this was confirmed. I have verified several times with the recipient and the person has never received the funds. I am at a loss and I am not getting anywhere with the representatives at the bank.
Company Response:
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2019-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-14
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I was traveling outside the country ... At least 2 weeks before my travel date I called fifth third bank to ask them can i use my fifth third AC360 MasterCard in XXXX. They told me yes. As long as its not a country that the U.S. have sanctions against. Well on XX/XX/XXXX my card stop working and i called to see what was wrong with my card. The customer service department continued to hang up the phone on me while i was in a foreign country. they never tried to contact me back to see what the problem was. They never contacted me to tell me they put a block on my card for a transaction i attempted to make on my card while i was in XXXX. Even after returning to the United States the card would not work ... i went inside the bank to resolve the issue with customer service and they called AC360 and the fraud department and they hung up the phone on me also several times. They also charged me the foreign transactions fee for the transaction that they never approved. I feel they never tried to contact me back about the block on the card because they do not want XXXX men to travel outside the country in the first place. They never tried to contact me by phone, text or email. All they did when i tried contacting them is hang up the phone. I cant contact them because they going to hang up the phone on me because i am XXXX.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2019-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-14
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: In XXXX of 2018 I setup a secured credit card with XXXX bank for {$500.00} against a {$500.00} secured savings deposit. On XXXX 2018 I went to pay the credit card off at which time maybe had {$250.00} worth of known charges on it. When I arrived to the bank branch I was made aware that the card balance due was nearly {$1700.00} due to a charge from XXXX XXXX XXXX. My first issue here with XXXX bank is that they even allowed a charge {$1200.00} over the credit limit post to my account without verifying the legitimacy of the charge as this would seem suspicious to an other banking institution I bank with. My second issue here is that I DID NOT authorize this charge on my account. ( Note : I have been a XXXX XXXX XXXX customer for over 10 years. I travel often for business and have a XXXX Rewards account with XXXX where by they have a totally different card on file with me whereby ALL rental car charges post to. including but not limited to gas, toll roads, rental charges etc. ) Once I informed the bank branch management of this they suggested I open a fraud case to resolve the matter. Despite my request being that they reverse the charge all together as it was well over the credit it limit and should not have been approved in the first place. Nevertheless I was told this was the appropriate means in which to resolve the issue. After several follow up visit to the branch and a few calls from the fraud department. The claim was ultimately denied as they claimed my relationship with XXXXt XXXX XXXX is evidence that I do business with them. Despite the fact that I ONLY use the card on with budget rental and that regardless of my relationship with them my 2 points remain. 1. The charge was above the limit of the card in questions. 2. I did not authorize any XXXX XXXX XXXXr charges on that card. XX/XX/XXXX I went back into the branch to appeal the decision and spoke with the branch manager who offered no logical or acceptable reason for the cause of this bank error. Therefore, I requested that my case be appealed and re-reviewed. At my request this matter was escalated to the Regional VP who contacted me direct but explained that we would need to open a whole new case. After receiving various conflicting stories and explanation within as to the status of the case I called the number provided by the VP to file a new case. I'm not sure to this day what happened with that second filing as I have no record of it from XXXX to speak of. XX/XX/XXXX after not hearing from anyone on this matter for some months I go to branch the card was originally setup in to speak to the person who created the account. She was just as appalled as I to learn what happened. We called the fraud department and was told the appeal had not been processed and that we would need to refile. Additionally she called XXXX XXXX XXXXr to have them run in their billing system the card number for the account and there were no charges on record for this account. The appeal was filed and I submitted per her instructions submitted a written statement via email that she was to submit along with the appeal stating we called XXXX they can not verify the charge on their end. XX/XX/XXXX I emailed the branch manager who helped to file my appeal for a status update. She informed me she had no further assistance to offer me and instructed me to call the fraud department. In doing so I learned that the fraud department had indeed receive my appeal but had not processed it. They explained that someone would contact me in 48hr to review my case. XX/XX/XXXX no one has yet to call me from fraud and I have now exhausted all possibilities of resolving this matter within the XXXX organization and am seeking help from Consumer Finance and any other means. This has had a HUGE negative impact on my credit score and as a result prevented my from several business opportunities and continues to do so the longer is stays unresolved. The level of dis-concern I been treated with throughout this organization on a matter that should not have ever happened in the first place as the card should have flat out been declined from the beginning is alarming.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2019-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2019 I deposited {$500.00} into the fith third Bank in XXXX on the corner of XXXX XXXX and XXXX XXXX XXXX, IN XXXX. As soon as the ATM received my money it froze and shut down. I went into the bank to inform them of the situation. I spent an hour with them and the manager had called in and gotten me a refund that was placed in my account several days later. I ended up having to go back home, getting cash, and paying bills due in person and wasting my entire day. A month passed and two days before I have a XXXX XXXX XXXX, the bank removed the money from my account, draining my funds and preventing me from paying my bills. I called in and had no success with speaking over the phone so I drove to the branch the problem occurred at and talked to the manager. He had no recollection of our previous meeting and said there was nothing he could do and I had to email and reopen a claim. They asked me for a receipt which I never received because the ATM did not produce one when it froze up, and they refused to check the video footage that would've shown me placing the {$500.00} into the ATM. I emailed the claims department and have not heard anything back from them. So my account is still drained, bills unpaid, and I'm laying here with XXXX XXXX XXXX up in my XXXX unable to move from my bed.
Company Response:
State: IN
Zip: 46205
Submitted Via: Web
Date Sent: 2019-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I went to closing XX/XX/XXXX. I was recently informed why my FHA loan to be insured was rejected XX/XX/XXXX because of the wrong appraisal was submitted. I want a copy of the FHA rejection letter for my record stating the wrong appraisal was in fact submitted. I want all documents from FHA regarding why my loan wasnt insured and also any suggestions FHA department written to rectify the problem.
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-11
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My father took out a loan from Fifth Third Bank in XXXX, XXXX for the purchase of a XXXX XXXX XXXX in XXXX, Florida. {$13000.00} was financed. All payments had been made on time up through and including payment due XX/XX/XXXX. My father passed away on XX/XX/XXXX. I was unaware that my father had taken out a loan to purchase this vehicle. On Friday, XX/XX/XXXX, the car was repossessed. Firth Third claims to have called the only number on file with the loan which was my fathers cell phone. This phone had not been used since my fathers death. At no point were we contacted by mail or any other means that the loan was delinquent. At the time of the repossession, the loan was 60 days past due. My elderly mother was then left with no vehicle and no understanding of what happened. We learned that the vehicle was repossessed from the XXXX Police department after my mother reported the vehicle stolen. In order to recover the vehicle from repossession, we were forced to pay off the entire loan balance plus the repossession expense. This totaled {$10000.00} which included {$450.00} toward repossession expense. We feel we were treated extremely harshly considering my father 's impeccable payment history prior his death.
Company Response:
State: IL
Zip: 60103
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A