Date Received: 2022-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: bank not applying payments correctly Per XXXX no monies applied to principle per XXXX payment no monies applied to principle per XXXX payment no monies applied to principle which is not showing a decrease in principle amount have attempted to have bank correct stayed on phone 4 hours on phone agents disconnected twice one agent disconnected on call with agent transferring call neither called me back so, for three months my principle amount has not changed which means the interest that is being charged is being applied to a principle that should be lower.
Company Response:
State: OH
Zip: 45237
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I was scammed for {$1000.00}. On the afternoon of XX/XX/2022 I had an interview with a company called XXXX. I believe that I was having a interview with a hiring manager XXXX XXXX and then I was hired for a job. On XX/XX/XXXX, The hiring manager sent me a check to get my equipment via XXXX because the job was remote. I cashed the check putting it into my account and on XX/XX/2022 I was to send money via XXXX so I can get my equipment to start working for the company XXXX. I sent {$1000.00} to what I thought was a design team XXXX XXXX to program my equipment and I was scammed for {$1000.00}. When I realized what happened I was devastated. I immediately called the bank and setup a dispute for the {$1000.00} Monday the XXXX, because I have been scammed and it wasnt a real job I was catfish by someone and {$1000.00} with zelled to someone and I have no idea who they are. Once they received the money the person stop responding. The teller on the dispute team was aware of what I had went through stating this had happened before and would put the dispute through today XX/XX/2022 I received a Correspondence stating that they denied my dispute in all my accounts have been closed. I dont know what to do. I need help with this I Sincerely thought I was getting a new job to help with me and my daughter finances and I was scammed and I shouldnt be penalized for it.
Company Response:
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Third fifth bank took over my mortgage. After a few months they decided I needed more insurance. I sent them my insurance paperwork and they proceeded to charge my {$1000.00} more a month for their insurance. I have never received an insurance policy from them. Several emails faxes scans and regular mail to this bank and no response. This has been going on for over 8 months. I personally went to the bank and it was acknowledged that they have been receiving the paperwork. Still no insurance policy or refund today I received a letter stating that the insurance policy was expiring and they are renewing it without my permission again.
Company Response:
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XXXX XXXX Fifth Third Bank , National Association XXXX We refinanced with the same lender XXXX ( operating under Fifth Third Bank ) and they charged us {$35000.00} in pre payment penalty despite their contract stating no pre payment penalty will be assessed. XXXX now XXXX has acknowledged the pre payment penalty but no remediation measures are taken. All our dealings are with XXXX including loan documents, they did not let me accept another loan from different lender even when I was getting a better lower interest rate and further forced me to accept higher interest rate with pre payment penalty!
Company Response:
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I payed my XXXX amount in full to the amount of XXXX. The payment was incorrectly processed. They only took the current amount and put the past due amount towards the principle. This made my payment always late. The bank has no interest in correcting the mistake and just added late fees. I payed my last payment according to the new escrow statement that was provided and they decided to hit my credit report with a 30 day late mark.
Company Response:
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am submitting this complaint after multiple failed attempts to resolve this issue with my bank, 5/3rd. On Friday afternoon, XX/XX/29 I contacted the bank to request a stop payment on two checks ( that were made from my personal checking account ending in XXXX ) out to XXXX XXXX XXXX, a real estate lead service I had terminated the relationship with after they breached the terms of our service agreement. The termination was effective immediately and therefore required to cancellation of two checks for {$1000.00} each which I had recently mailed to the company in the same envelope. I spoke with a representative in the checking department and requested that checks XXXX, and XXXX, both made out to XXXX XXXX XXXX for {$1000.00} each be stopped. The representative first checked to confirm that these checks were not processing and after doing so indicated he could help me with this. After a few minutes the represented confirmed with me verbally that he had stopped both checks. I asked him to send over an email confirmation of this so I would have something in writing and he advised his system did not allow this but that a letter would be sent confirming the checks had been stopped. Again both checks had been made payable to the same entity and were sent in the same envelope and it was both checks that were confirmed to have been stopped by 5/3rd 's representative. The following morning I checked my account dashboard and found that my checking account was overdrawn and that the two checks had been deducted from my account! I immediately called 5/3rd and was advised that in fact the representative from Friday failed to stop payment on both checks and in fact had only stopped payment on check XXXX. They further advised that both checks had been cashed and that at this point there was nothing that could be done about this as the stop payment hadn't been received in time. I asked that the called be escalated to a supervisor. I spoke with the supervisor who looked into the matter and basically provided the same suggestion that the checks had posted and would clear and that 5/3rd wasn't liable for this and couldn't guarantee stopped checks. Shortly thereafter I received a notification that there was a notice that had posted to my account. I opened this to find the letter confirming the stop payment however, the notice indicated that only check XXXX had been stopped, check XXXX had not. The notice also reported the check was made to XXXX XXXX XXXX, rather than XXXX as I had advised. The notice also indicated that in the event I experienced a financial loss because 5/3rd paid the transaction described in the letter, I would need to provide written documentation to request reimbursement. I immediately called the bank back to discuss this further with them. This rep advised that while check XXXX was processing, it would not clear and she advised that the funds would be returned to my account on Tuesday XXXX, however, there was nothing she could do regarding check XXXX. I once again requested the call be escalated to a supervisor. When I spoke with the supervisor she suggested that in fact both checks would clear however, there was nothing they could do about this as it wasn't a mistake on the banks part and rather a " training opportunity ''! Apparently 5/3rd is aware it isn't adequately training its staff and attempting to force their customers to pay for the bank 's employees mistakes! As it turns out the supervisor 's were not correct and on Tuesday the funds associated with check XXXX were returned to my account, however the bank did process and release the {$1000.00} associated with check XXXX due to their failure to also stop this payment. I have since spoken to multiple parties at the bank and have requested a copy of the original call I made last Friday requesting the stop payments which 5/3rd confirmed they record. 5/3rd has refused to provide a copy of this call advising they do not release these and that they are for training purposes only! I advised them that they were not to delete this recording as if they failed to correct their mistake and to return my money to me I would subpoena a copy. I have spent the last 6 days trying to resolve this with the bank, a bank I have been a customer of for well over 10 years and a bank that has my personal and business accounts, as well as my wife 's personal and business accounts and a business loan. They continue to insist that they have not made a mistake but refuse to proceed a copy of the recording ( which would prove otherwise ) and are insisting that instead this is all nothing more than a training opportunity for their staff! 5/3rd needs to return my {$1000.00} to me as again they failed to cancel check XXXX as requested, and which their representative had confirmed he had done and therefore they are liable. They can not suggest that the stop payment might not have processed as the request was made for both checks to be stopped the same day, and XXXX attempted to cash them together. Therefore the fact check XXXX was stopped, confirms had XXXX also been stopped as requested the processing of this payment would have also been prevented.
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
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: I have spoken to multiple parties at 5/3rd regarding this and they have advised they have no way of disputing the unauthorized charge that has posted to my 5/3rd credit card account ending in XXXX. The charge relates to overdraft protection, a feature that is not referenced in the original terms associated with the account, and rather 5/3rd reports they added this to my checking account ending in XXXX at some point in time, though they can't tell me when this was added. They suggest I authorized the addition of this feature to my account however, they are unable to provide any evidence of this and suggested that I would have received a phone call requesting this authorization, a phone call they do not have a recording of. I never agreed to, nor did I authorize the bank to add this to my checking account, nor did I authorize them to bill my credit card without my authorization. I called to dispute this authorized charge which I did not make, however, 5/3rd advised that they do not have the ability to dispute their own charges. The representative I spoke with advised me that he would need to transfer me to the checking departments disputes team, however, when I spoke with the representative he transferred me to she wasn't able to offer any assistance other than confirming that I did not authorize the charge to my credit card and that 5/3rd did not have any authorization on file to add the overdraft protection to my checking account or to use my credit card as the source of funds. This is a charge that I did not make, nor did I authorize. 5/3rd can not hold me accountable for unauthorized charges to third parties, nor can it levy unauthorized charges to my credit card and attempt to hold me accountable for the charges.
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I, XXXX XXXX XXXX received FIFTH THIRD BANK adverse letter dated for XX/XX/2022. It stated I was denied due to the inaccurate information received from the consumer reporting agency/agencies : XXXX, XXXX and XXXX. Pursuant to 15 USC 1602 ( f ), The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. In regards to 15 USC 1602 ( f ), CREDIT IS MY RIGHT AS A CONSUMER!! On XX/XX/2022 I initiated a credit transaction with FIFTH THIRD BANK, where I applied & extended Credit by utilizing my Credit Card, as defined under 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, card number ending in XXXX Credit was extended to FIFTH THIRD BANK with my Credit Card, card number ending in XXXX, in return for me obtaining a mortgage loan or better defined as money under 15 USC 1602 ( l ) to purchase my future home with. Unfortunately, FIFTH THIRD BANK has violated my Consumer Right and failed to complete the credit transaction by not granting me the Right to defer payment as defined under 15 USC 1602 ( f ). In result of this adverse action, FIFTH THIRD BANK has also committed a federal crime by violating 15 USC 1602 ( p ) -The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. FIFTH THIRD BANK in-fact utilized my Credit Card, card number ending in XXXX, on XX/XX/2022, and XXXX XXXX XXXX, the cardholder- received no benefits from FIFTH THIRD BANK unauthorized use of XXXX XXXX XXXX Credit Card on said date and credit transaction . In conclusion, pursuant to 15 USC 1691a ( 3 ) - Activities constituting discrimination, ( 3 ) because the applicant has in good faith exercised any right under this chapter, FIFTH THIRD BANK shall not discriminate against me because I have in good faith exercised MY RIGHT to Credit as defined under 15 USC 1602 ( f ).
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Closed on our new house in XXXX, NC XX/XX/2021. The mortgage company made many mistakes during the closing documents. After the close they send me a check for the insurance that was paid at the closing. I then had to set up a payment with my insurance company even though escrow included insurance. They then determined I didn't have coverage for one day. Which was clarified 3 times with their insurance department and included my agent from XXXX XXXX to validate the coverage. They still proceeded to provide their own insurance to cover that one day at great cost. They now have made another mistake in my mortgage escrow and are now charging me for additional insurance and increasing my monthly payment by XXXX. I have spent hours speaking to them and they will not move me to a supervisor. They failed to provide me the proper disclosures for the change, they failed to provide me disclosures of the cost and they have multiple letters sent to me that contradict each other. I feel they have been deceptive and unwilling to resolve the matter.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We financed a car loan with fifth third bank and recently paid off the loan early, or so we thought. Our account showed a XXXX balance and everything on our side showed paid in full. There was apparently an outstanding balance of XXXX cents that was charged afterwards as interest. We were never notified of an additional balance. No one ever called us to collect payment. We received no notification there was anything outstanding. Everything we had including our customer portal showed a XXXX balance on the loan. Today we were notified an account was put into delinquency status on our credit and we immediately started looking into what the issue was. After calling the bank we were informed for the first time that there was XXXX cents outstanding that had gathered another XXXX cents in interest for a total of XXXX cents owed. Again, we were never notified either through written or verbal notice that any amount was still due and the information available to us showed a XXXX balance on the loan. It disturbs me greatly that a banking company would neglect to contact their customers to collect payment especially on something as small as this. We never missed a payment on this loan and paid it off years early. The negligent and purposefully harmful way this case was handled is nothing short of malicious predatory lending in order to collect as much additional interest as possible.
Company Response:
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A