Consumer Complaints: Fifth Third Bank, National Association

On XX/XX/year>, an unauthorized interbank transfer was made from my XXXX XXXX XXXX account to a company called " XXXX XXXX '' located at XXXX XXXX XXXX, New York, NY. Additionally, I found that other insurance accounts were also compromised on the same date. It seems that the identity thief or hacker might be an internal customer of XXXX XXXX XXXX XXXX XXXX XXXX I am requesting an immediate refund of the {$25.00} to my account and asking the bank 's IT department to implement additional security measures to prevent illegal internal bank hacking across customers ' accounts nationwide.

Good afternoon Fifth Third bank, I tried to reach someone at the callcenter today ( first time I call ), but was impossible to reach a representative, the system requested many times my SSN ( I don't have ) and I couldn't find an option to bypass that information request.

The reason for the call and this letter is to request to open a merchant dispute agains these transactions : XX/XX/XXXX {$86000.00} Twice XX/XX/XXXX {$86000.00} Twice I need to dispute XXXX transactions in total for the merchant XXXX XXXX, I bought XXXX XXXX XXXX XXXX in person at that store, they sent the items by XXXX and I received on XX/XX/XXXX, it took XXXX weeks.
On XX/XX/XXXX I decided to return the products because were no longer needed so I went in person to the store to return it. They gave a full refund policy of 30 days after delivery date, so the return was accepted and they issued a full refund receipt on the same day. The store takes up to XXXX days to process the credit back to the account, but they didn't, so I called them on XX/XX/XXXX but they didn't provide any solution for the pending credit.

Please open the merchant dispute for credit not processed, Thanks

We have had a HELOC loan with XXXX for several years and never accessed or used any of it, keeping at a zero balance the entire time. On XX/XX/XXXX we requested a paid off letter for our title company because XXXX refused to provide it to the title agent. We are closing on XX/XX/XXXX. The chat agent assured wed have it in 3 business days. After the 3 days, no letter was received and we were told XXXX minutes by another agent on XX/XX/XXXX after a second request. Still nothing. After reaching out we were told that we had to send a written letter to request it and it would take at least ten day. Then a manager told us she could manually close the HELOC and once closed we could call back to get a closed letter. After engaging with them for over XXXX minutes we were told it would be sent right away. No letter and am another manager a few hours later and they said it was faxed hours before but we never received it. The second manager told us to go to a branch and we could get it because it was now on file, nope another lie. Instead of the closed letter the manager and bank requested the original signed documents, which do not help or closing and had my wife leave work early to sit in a branch with still no letter. XXXX and their incompetence has now hindered my ability to get the funds of XXXX from the sale of my home until I revive this letter from them. This is impacting my families ability to pay needed bills.

XXXX around XXXX I brought in a check from the IRS thaXXXX was for {$4700.00}. When I made the deposit, the clerk who is also a personal banker informed me that there may be a 10 day hold because of the dollar amount. I then went to work but before I clocked in, logged online through my personal banking phone app and seen that it was pending. When I got off I traveled on the bus and realized I was somehow locked out of my account. I called and was transferred to the fraud department who told me that they were closing my account immediately for fraud, they were not willing to verify the check with the IRS, and they would not give my check back. I got off the bus and took an uber to the bank and called the police. The police arrived and they said they will try and validate the check and of they cant in 7 days they will release the check or create a new one. However they changed their mind again and demanded a XXXX form from the IRS. I retrieved the form and submitted it to the banking center and the XXXX department said they will not accept it from the IRS. The personal banker said the fraud dept is breaking the law because they can not withhold government funds. The fraud dept said they will not give me he check back or cash it. They will report it as unclaimed and use deception by reporting that I never claimed the money. Now I am stuck without the check and the IRS said they can easily verify it. They have a normal process they can follow that they are choosing to not use.

Subject : Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case To Whom It May Concern, I hope this message finds you well. I am writing on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on XXXX in Persons ( see attached Confirmation of Authorization ). This letter is to inform you that the XXXX XXXX XXXX has verified and determined XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX, as defined under 22 U.S.C. 7102 ( 12 ) in accordance with the qualifications for blocking adverse credit information according to 12 C.F.R. 1022.142 ( see attached rule ). XXXX XXXX XXXX is an organization dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX, including debt bondage. Our mission involves supporting and advocating for victims of XXXX XXXX, a severe violation of human rights and a modern-day form of XXXX. We aim to provide assistance to these individuals and work with various stakeholders to raise awareness and address this critical issue. In our work, we have come across a case where an individual 's credit report shows an outstanding debt, which we strongly believe is linked to debt bondage. The nature of this debt raises significant ethical and legal concerns, as it may involve coercive or fraudulent practices, resulting in an unfair financial burden on the individual.

We request your assistance in blocking and deleting any accounts negatively impacting her credit profile. Thank you for your consideration. We look forward to collaborating with you on this important matter. Please feel free to contact me at any time.
Sincerely, XXXX XXXX

No narrative provided by consumer.

I started an auto loan in XXXX of this year, with Fifth Third bank. The Federal Truth-In-Lending Disclosures that I signed stated the following : Annual Percentage Rate : XXXX % Finance Charge : {$14000.00} Amount Financed : {$56000.00} Total of Payments : {$70000.00} Total Sale Price including downpayment of {$14000.00} is {$84000.00} Number of payments : XXXX Amount of payments : {$1100.00} Monthly Beginning : XX/XX/year> With an interest rate oXXXX XXXX % for a principal of {$56000.00}, financed for XXXX months, I expected the monthly payment to be {$1100.00}. The payment of {$1100.00} is consistent with a XXXX % interest rate. They are overcharging me for this loan.

On XX/XX/year>, when I made the first payment of {$1100.00}, the payment noted principal of {$600.00} and interest of {$570.00}. With an interest rate of XXXX %, I expected the first payment to consist of a principal of {$740.00} and an interest of {$420.00}. And with an interest rate of XXXX %, I expected the first payment to consist of a principal of {$730.00} and an interest of {$430.00}. They are overcharging me even more.

I made payments consistently an on time. This whole time, their website and my account portal did not provide me with any monthly statements.

On XX/XX/year>, I reached out to customer support via their chat function. I requested statements so I could look into this further. The agent, who identified as XXXX, informed me that they do not generate online statements for loans. They stated that the coupon book I received should have relevant information. They offered to mail me my payment activity, which I find rather useless. I asked XXXX for an amortization schedule and they told me that they do not offer this. I asked for an explanation for why the interest I was charged did not seem to reflect the XXXX % interest rate. They told me that my per diem interest rate is {$0.00}. I asked for clarification on that because that still did not add up, and XXXX responded that they do not do math for customers. I noted that an amortization schedule would have helped, and they again said that they do not offer this. XXXX then ended the conversation.

-I contacted 5/3 about a major increase in my monthly mortgage payment. ( {$2200.00} increases to {$2800.00} ) -I was told false information by multiple 5/3 employees ( ie : mortgage account never received escrow payment at closing, big increase in my property tax and homeowners insurance ) -There was a slight increase that year in property tax and homeowners insurance but nothing that would cause a {$5000.00} dollar escrow shortage.
-Spoke with my original lender and was told & XXXX was put into my escrow account at closing and that the summer property tax for that year had already been paid by the previous owner.
-My previous escrow analysis stated that I had a surplus and 5/3 actually sent me a check for {$120.00} -So how did I go from a surplus to a {$5000.00} dollar shortage the very next year? I asked 5/3 this and they continued to try and point the finger and feed me false information.

-They did not do a proper analysis the year of the surplus even though my property tax information came out on XX/XX/XXXX and my analysis was dated XX/XX/XXXX. So they had to time to access the right information.
-If they had done so they would have realized there was actually a shortage already than ( rather than a surplus ), but the shortage would have been much more manageable and not nearly as detrimental as what it currently is. It would seem that the error is with 5/3 and this should have been caught before my mortgage skyrocketed to an unsustainable amount.

I had a Checking account with Fifth Third bank and was told that I would not be allowed to access my Mobile app account because a Income tax refund check I deposited from the State of Ohio they said was bogus. I provided a 1040 copy of my Income tax return and a copy of my 1099 form to the bank as requested by the bank as well as a copy of the Tax refund check I got from the State of Ohio.
A week later I attempted to check my account balance at an ATM and found that my Checking account had been closed by the bank without any notice to me. When I spoke with a Fifth Third bank official, and they checked with their Fraud people I was then told my account had been closed because someone had tried to access my Checking Account from overseas and the account was closed at that time with no notification. I have been lied to by Fifth Third and due to no prior notification of account closer I have been charged late fees on my mortgage and had to setup a new Second chance Checking account that penalizes me due to the damage that took place to my credit rating

Fifth Third Bank has recategorized our property to Flood Zone A and is demanding Flood Insurance, when FEMA has stated our property does not require flood insurance as we are not Zone A. Before even notifying that we " require '' flood insurance they already purchased flood insurance for us and will be charging immediately on our loan.

Company : Fifth Third Bank , National Association XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Approximately XXXX ( XXXX ) weeks ago Recently I wrote about what the procedure was in the event that I wanted to discontinue my escrow account.

Then, on XX/XX/year>, I received a letter from 5th 3rd bank indicating that, effective XX/XX/year>, my escrow account was closed and cancelled.

I did not want it closed/cancelled, I was just asking for information.

I want my escrow account to be reinstated.

I spoke with someone on the phone and I was instructed to submit the request in writing.

I submitted the request to XXXX, but all I receive is an auto reply that my escrow account is cancelled However, all I receive is a form letter indicating that my escrow account is cancelled Thank you.

We have had XXXX issues with the company.

# XXXX, during the time we held the loan, we asked for PMI removal twice and told we were denied but would receive a letter in the mail giving us the option to pay for an appraisal to get it removed. We never received either letter and decided to sell our house since the mortgage ( including PMI ) was too high to cover all expenses if we rented it out.

# XXXX, we sold our house in XXXX of XXXX. The loan was paid in full. There was a remaining escrow balance of {$880.00} that we were due a refund on. The first check was supposedly mailed to us on XX/XX/XXXX. We never received it so called and asked them to reissue. They did so on XX/XX/XXXX. Did not receive it again. Called and they reissued on XX/XX/XXXX. Did not receive it and we moved so updated our address with them. They supposedly reissued it on XX/XX/XXXX. We DID receive a mailed notification that our address was updated but still NO CHECK!

While calling, we asked if we could pay for a XXXX to our house. They denied our request. We asked them to check to see if the check was mailed to the correct address which they said they did.

We have never not received mail at either address that we were expecting so I find this extremely odd!

XXXX engaged in shady business practices that ultimately caused me to want to close my account after requesting reasonable resolutions from the bank, but they refused to resolve the situation In a reasonable fashion, they try to force me to deal with what they did and pay the consequences for the things that they did, by using an abuse of power.

No narrative provided by consumer.

I changed my method of paying my mortgage to using XXXX XXXX from XXXX XXXX XXXX to 5th 3rd in XX/XX/year>. The form of the payment is described by XXXX as an electronic payment with a XXXX day turnaround. For example : If you send your payment on the XXXX of a month it will be DELIVERED the next business day. Every payment I have sent using this method has been documented to have been delivered BEFORE my grace period has ended with 5th 3rd and yet 5th 3rd Bank is claiming it is taking XXXX additional days to process the payment and charging late fees.

I spoke with both XXXX and XXXX XXXX regarding this problem. 5th 3rd blames a " Third Party '' or " Clearing House '' for the discrepancies in the dates but XXXX assures me that if a clearing house were to be involved in the submitting of the payment I would be notified.

Even when I show the Proof Of Payment from XXXX or my records from XXXX documenting the payment delivery dates they refuse to reverse the late fees.

Also very telling in this process was the statement from the Supervisor from 5th 3rd that she has fielded a number of these same calls from other XXXX customers. It is very hard to believe that if you have a repeated issue with your customers someone at 5th 3rd could not PICK UP THE PHONE AND CALL SOMEONE AT XXXX BANK TO DISCUSS THE SITUATION AND ARRIVE AT A SOLUTION WITH HOW THE PAYMENTS ARE BEING MADE AND CORRECTLY COMMUNICATE THIS TO THEIR CUSTOMERS!!!!! But no, they would prefer to continue to charge late fees.

CFPB XX/XX/year>24 I am the owner and beneficiary of a XXXX XXXX XXXX XXXX XXXX XXXX with the funds in CDs. This week I wanted to change the beneficiary of this account to my grandson. When I began completing the change of beneficiary form I was puzzled by the language in section 3 of the form which deals with transfers. I immediately contacted the XXXX XXXX customer service telephone number to make sure I understood the language in the forms.
I spoke to two representatives at two different times and each confirmed what I had gathered from the form ; that is, when a beneficiary is changed, any CDs in the account are redeemed and repurchased thereby incurring heavy penalties. When I enquired as to why this automatic procedure when there is no change in ownership, I was told that its their procedure and thats it. In addition, I was told there was no one to speak with that could address the issue I brought up. It is at that point that I thought I should contact the CFPB since there are many individuals and families that are affected by this procedure that negatively affects customers with unnecessary redemption penalties.

No narrative provided by consumer.

XX/XX/year> XXXX XXXX, in Texas XXXX drive thru process request for XXXX. The Machine froze then said denied withdrawal. I retrieve the ATM card then tried again. This second time the machine accept card then released card then asked me for pin. XXXX froze then flipped back and forth selecting for withdrawal. I touched screen cancel. The 53. Bank fraud was watching me attempt to withdraw funds. I left that XXXX Bank went to another ATM got XXXX. XXXX XXXX XXXX showed up spying as I report this claim. This Fraud department with 53 had a similar issue in AZ with a ATM when my funds are available. I believe XXXX withdrawal was taken instead of XXXX. I told 53 this is bank robbing and they refuse to hear.

My account is set up to overdraft on reoccurring bills. I have used this program multiple times with no issues because I've always paid off the overdraft. Including last month on the same monthly rent bill. They rejected the overdraft this month without warning and without listing the reason as to why it was rejected. I spoke to 3 ppl in customers service. The first couldn't help me with the actual problem, but she did reverse some fees as a curtesy. The second straight up lied about a monthly limit that doesn't exist in their policy first claiming it was XXXX and then changed to XXXX when I pointed out the payment was for {$810.00}. The third confirmed that the second one lied and that it'll be marked on her record, but then gave me attitude and a circular logic argument about the reason my overdraft was rejected is because my account doesn't have enough money in it. Which makes an overdraft policy completely useless as it's literally there to cover accounts not having money. All three of them acted really skittish when the point came that I asked to speak to someone above them and the third one just hung up.

I am filing this complaint to dispute several inaccuracies on my credit report, which have caused unjust and incorrect damage to my credit score. Despite maintaining a consistent record of on-time payments, certain accounts are inaccurately reflecting late payments. I have never missed a payment on these accounts, yet they are erroneously listed as being 30 days late. The inaccurate accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports a 30-day late payment, but all payments were made on time.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports a 30-day late payment, but all payments were made on time.
FIFTH THIRD BANK, N. ( Account # : XXXX ) XXXX XXXX Reports a 30-day late payment, but all payments were made on time.
XXXXXXXX XXXX ( Account # : XXXX ) XXXX - Reports a 30-day late payment, but all payments were made on time.
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow " reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The fact that these late payments are being reported despite my history of timely payments is a clear violation of this requirement.

These inaccuracies are causing significant harm to my credit score and financial standing, directly affecting my ability to secure credit on favorable terms and impacting my overall financial well-being. The errors in my credit report are unacceptable and must be corrected immediately to prevent further damage.

I have attached screenshots showing the inaccurate reporting from the credit bureaus to support my complaint.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that these incorrect entries are promptly removed from my credit report. The credit reporting agencies must be held accountable for ensuring the accuracy of the information they provide. I also request a thorough investigation into these discrepancies. If the credit reporting agencies are unable to furnish valid evidence, such as account statements demonstrating the lateness of these payments, I demand that these entries be updated immediately to reflect their true status as on-time payments, as I have consistently upheld my payment obligations without delay.

I appreciate your prompt attention to this matter and expect that the inaccuracies will be corrected swiftly.