FIFTH THIRD FINANCIAL CORPORATION

2019-02-04

Lake City, MI

Incorrect information on your report

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2019-02-04

Buckhannon, WV

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-04

N Palm Beach, FL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with non-monetary relief

Timely Response

2019-02-02

IN

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Complaint: Purchased an item on XX/XX/2018, money was taking out of my account XX/XX/2018 from a company called XXXX XXXX XXXX out of New York and I never received the product I paid for. The amount of money that was taken out of my account was {$150.00}. Now the bank says I have zero fraud protection against this transaction. The bank Im currently dealing with his fifth third.
Company Response: Closed with explanation

Timely Response

2019-02-02

Ashville, OH

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: Overdraft fees are being charged on this account, for many years, even on one-time debit transactions, though I have never opt-Ed in or out of overdraft protection. This is a business checking account that has been continuously active for more than 10 years..over the years I have made some financial errors causing my account to be overdrawn. As a result, i have incurred a lot of overdraft fees. I have recently learned that the Overdraft Protection Law of 2010 states that since I never opt-Ed in to overdraft protection, these fees should not have ever been charged. Im not proud to say that over the years, this has probably happened over 100 times, so I am looking at a few thousand dollars that has been illegally been charged. My bank has told me that because this is a business checking account, that they are required to pay these transactions. However, in my research, I do not see any special rules for a business account versus a personal account. Again, this is happening on all types of debit transactions, including one time transactions. Some, but very few of my fees have occurred due to automatic payments and checks, which according to my research, are the only types of transactions that a bank is allowed to charges overdraft fees on, when a customer has not opt-Ed into overdraft protection. My bank will authorize and pay for nearly any transaction, even if there are insufficient funds. Many times I have made a purchase thinking I had sufficient funds when I did not. My account will then be negative with these pending transactions, and as long as I fund the account before those transactions clear, I avoid the overdraft fee. However, sometimes I am unable to fund the account in time, and this is when fees occur. The majority of my fees are a result of this process.
Company Response: Closed with monetary relief

Timely Response

2019-02-02

Detroit, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2019-02-02

Hinkley, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I had a credit card with Fifth Third Bank that was no longer needed. So I went to one of their banks and had the card closed out. I also called and had them close the card out. Still after that the card wasn't closed out. So they charged the annual fee, causing the card to accrue late fees. Fifth Third agreed that I shouldn't have to pay the fee or late payment fees and said that they would take are of all the negative repercussions ( AKA the reporting of the late payments ). They never removed the history from my credit report. They have told me that they have no record of a call or request to close out a card. I have called them about 20 times and talked to 3 different supervisors. I have also gotten yelled at by their customer service representatives. I have been told that I was verbally abusive to them, and then hung up on as well. I have been told by 1 of the supervisors that they didn't see any late payments on my report, then they denied that the conversation ever happened. All they will say now is that Fifth Third admits no bank error and will not remove the error. Even though they admit it doesn't affect Fifth Third it only effects me their 13 year customer. I can't get a credit card, loan, or financed for anything now that this is on my credit report. I have never been late on any payment for 13 years. This is impacting my wife and her credit score as well as any finance option she is trying to get as well. It is affecting the way we live our life. All because Fifth Third will not admit wrong doing or make me whole based on my horrible customer experience ( lied to and getting yelled at and hung up on ).
Company Response: Closed with explanation

Timely Response

2019-02-01

Columbus, OH

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: I paid a debt to fifth third bank on XX/XX/XXXX 2019 as a part of a previous CFPB complaint. They rejected my payment, sent me collections, and damaged my credit score. I didn't realize this had happened until I received a letter from the collections agency. Fifth Third has refused my money, and it is now impacting my credit reputation due to them filing collections. XXXX transaction log of attempted payment : XX/XX/XXXX 2019 Credit Return : Online Transfer XXXX to XXXX # # # # # # XXXX Misc. credit {$290.00} {$4100.00} XX/XX/XXXX2019 Online Transfer XXXX to 5/3 # # # # # # XXXX transaction # : XXXX XX/XX/XXXX {$290.00}
Company Response: Closed with non-monetary relief

Timely Response

2019-02-01

Ashburn, VA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with non-monetary relief

Timely Response

2019-02-01

KY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/2019 I checked my account on the mobile app. I noticed that a payment had come out earlier than expected and my account showed with a balance of - {$320.00}. At that time, I asked to have money moved from my savings account to my checking to cover any purchases that were made. I was advised that the funds were moved over. I noticed a pending overdraft charge on the account. I asked if that was going to post since I had moved the funds over. The agent advised that it would not post and it was already gone. I checked the app and noticed that I had a XXXX balance and thought everything would be fine, because I was going to get paid within the next few hours. I opened my account today XX/XX/2019 and noticed that there was a {$110.00} fee on my account for overdraft. I thought that was weird as there was only one transaction that had over drafted. It was the {$430.00} payment that brought me down to - {$320.00}. It was the last posted transaction prior to being charged the overdraft. I called in at around XXXX XXXX ET on XX/XX/2019 to ask about the fee and had to go into the callback queue because hold was over 30 minutes. I finally received a call 2 hours later at around XXXX XXXX. I advised the agent what happened and what I was told and she advised that it never happened. I asked to speak to the Executive Office or the Office of the President and was told I would get a supervisor. I advised the agent that I was asking for the Office of the President and was instead transferred to a supervisor. This supervisor started the call with an attitude like she could care less about her job and helping anyone. She apologized for any misinformation and advised that she could only give {$74.00} as a courtesy adjustment. I advised her that I was not asking for a courtesy, I was asking her to honor what I was told. She said that the agent giving misinformation was not considered a bank error. I asked again for the Executive Office or a Level 3 escalation and was advised that it did not exist. I advised her that it was required to exist and she stated that there was a write in only address for that office. I advised that there had to be a number per the CFPB that I could speak to and she continued to decline escalation to any other level above her and stated that she represented the bank. I asked to be transferred to Credit Cards to close my account. She had fun with this one. I did not know the last four of my card number and she told me that she could not close it without it. I asked to be sent to the Fraud department to verify me. She said that she could not do that because there was no fraud on the account. I then told her I lost my card, just trying to get someone besides this rude lady. She said I would have to know the card number to report it lost. I asked her how I was supposed to go find the card number if it was lost. She repeated that it was needed. Finally she allowed me to verify activity on the account to close it. I asked about my security deposit and she did not want to answer these questions either. I finally got the answers that I was asking for and then proceeded to transfer my funds from my savings to checking. I closed one of my savings accounts as well. I asked the agent to note my account with my dissatisfaction and the fact that I would be filing a complaint with the CFPB. She stated that it was noted and I asked her to note as well that she declined escalation multiple times. She stated that she had and the call ended by her hanging up the phone.
Company Response: Closed with monetary relief

Timely Response

2019-01-31

Chicago, IL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2019-01-31

Closing an account

Checking or savings account: Other banking product or service

Can't close your account
Complaint: Originally, in XX/XX/XXXX I have opened saving and investment accounts in XXXX XXXX XXXX which is a former body before merging with Fifth Third bank. As I wanted to close the accounts, I asked the Fifth Third bank what I should do to close on XX/XX/XXXX. Then the customer service of the bank told me that I should make a phone call to a customer service professional of the bank and they could not give any information on my account through email due to their security reason. As the bank told, I called at their customer service professional on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX during the business hours. Because the phone was cut off automatically after 20 min every time, I can not talk with the bank stuff enough to solve this problem. And the stuff said that he could not search the old accounts of XXXX XXXX XXXX at customer service. I'm at loss for this situation. They have not given any information through email with their security reason. I don't know whether my accounts of XXXX XXXX XXXX belong to the Fifth Third bank and what kind of situation is my account. Also, I searched my accounts in Unclaimed Money website, but nothing matched. I want to know what I should do to close my accounts of XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-01-31

Rockford, MI

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-01-30

Ladies Island, SC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: XX/XX/XXXX CFPB Complaint Against Fifth Third Bank Fifth Third Bank has violated Federal Laws and Regulations in their pursuit to exploit and discriminate against me as a XXXX XXXX XXXX XXXX Veteran. Their violations have not solely been discrimination against a former service member, and now XXXX veteran, but have included many egregious abuses including fraud, predatory lending, deceptive business practices and direct violations of the following Federal Laws ( not all inclusive ) : -Fair Credit Reporting Act -Fair Debt Collection Practice -Service Member Civil Relief Act -Consumer Financial Protection Act of XXXX Evidence to Support Claim of Federal Violations : Encl 1- XX/XX/XXXX, Fifth Third Bank Hurricane Assistance Solicitation Email : Bank offers hardship helplines and options because my home was in a Nationally Declared Disaster Area because of Hurricane Matthew. Encl 2 - XX/XX/XXXX Loss Mitigation Email : Fifth Third Loss Mitigation Rep XXXX XXXX emails me a Uniform Borrower Assistance Package after convincing me I can do a loan modification. Encl 3 - XX/XX/XXXX Loss Mitigation Package : Fifth Third Bank intentionally omitted to the HUD and XXXX XXXX XXXX XXXX XXXX that on XX/XX/XXXX, I submitted a completed loss mitigation package. This omission was intentional and was an effort to avoid extending the Making Homes Affordable Act available to me as it was ending XX/XX/XXXX. Encl 4- XX/XX/XXXX Letter : Letter from Fifth Third provided ONLY in an electronic form to the Consumer Financial Protection Bureau in response to a complaint I filed, which states clearly, I was approved for a Forbearance period of non-payment for hardship between the months of XX/XX/XXXX through XX/XX/XXXX. Encl 5 - XX/XX/XXXX Letter : Letter from Fifth Third stating on page ( 2 of 3 ) that We also reviewed the information reporting to the credit reporting agencies. Because your mortgage loan was placed on a forbearance plan for XX/XX/XXXX through XX/XX/XXXX, those months should not have been reported as past due to the credit reporting agencies. Therefore, we submitted an update to all four ( 4 ) credit reporting agencies to remove the delinquency reported for those months and to reflect that those months were in current status. This statement is an outright fabrication. This can be validated in the XX/XX/XXXX XXXX Dispute Results. Encl 6 - XX/XX/XXXX XXXX Dispute Results : demonstrate that Fifth Third never corrected their false reporting as they alleged to the CFPB. Their false credit reporting has led to my filing Chapter XXXX bankruptcy and is a blatant form of retaliation for filing a formal discrimination complaint with HUD, and complaints with the XXXX and CFPB. Encl 7 - XX/XX/XXXX Serving Notes & Letters : Fifth Third Bank is shown to make numerous calls during inappropriate times, both early mornings and late nights. These calls are typically more than once a day and are harassing in nature, violating the Fair Debt Collection Act. There are several notes added that demonstrate several attempts I made to update my address or to get relief as an XXXX XXXX service member and XXXX service member is a National Declared disaster area, to no avail. On a note entry made XX/XX/XXXX, Fifth Third falsified a statement that I signed the Forbearance Agreement, which never occurred. Encl XXXX - XX/XX/XXXX Letter : Letter from Fifth Third is a response to a complaint a filed with the CFPB and includes falsified and intentionally inaccurate information to mislead investigatory entities from being made aware of the illegal and corrupt actions perpetrated by Fifth Third Bank. This demonstrates a clear-cut violation of the Fair Credit Reporting Act and has caused critical financial damage to me and my family. o In this letter Fifth Third states they received a hardship application on XX/XX/XXXX when in fact they received an application as early as XX/XX/XXXX ( attached A ). o In this letter it mentions a VA appraiser being unable to access the interior of the property after ( 3 ) attempts. However, said appraiser could not verify her identity ( see attached B email dated XX/XX/XXXX ) and I was unwilling to compromise the safety of my tenant. This appraiser had incorrect contact information for me, and I have attached the correspondence with her as evidence of her unwillingness to provide verification as to her identity. My tenant had children, therefore allowing an unidentified stranger into my home simply because they demanded access would have been dangerous and absolutely inappropriate. Furthermore, Fifth Third bank never mentioned anything about an appraisal or a scheduled appraiser coming to inspect the home. o In this letter Fifth Third reports to the CFPB that Our records do not show that we ever requested your birth certificate, and a birth certificate would not be a requirement for any hardship assistance application. This is yet another falsified statement made to mislead regulatory entities. Around XX/XX/XXXX, I was required to give my birth certificate as part of a hardship application, which I refused to do as the representative could not tell me what the purpose of the birth certificate was for. On that same day I filed a XXXX XXXX XXXX Complaint ( attached C ) against 5/3 Bank for their intrusive request for information specific ONLY to me and was contacted by a rep named XXXX XXXX, who left a voicemail ( attached D ) and I received a Letter from him as well dated XX/XX/XXXX with my correct mailing address in RI ( attached E ). No other person is required to provide a birth certificate and it is not listed as required documentation on any hardship application checklist, making it a requirement specific to me alone which is discriminatory. o In a Letter dated XX/XX/XXXX, ( attached F ) Fifth Third responds to my XXXX complaint acknowledging the birth certificate issue and further validates that I was working with the LOAN MODIFICATION DEPARTMENT ; this letter was sent to my residence in Rhode Island ( this demonstrates that 5/3 had the correct mailing address, therefore chose to send time sensitive mail such as appeal letters to non-residence intentionally so I would not receive it in time ). This single letter alone is ample evidence to prove the XX/XX/XXXX Letter signed by XXXX XXXX contained intentionally erroneous information submitted to the HUD, FRB and CFBP where she submits lies to further damage me and my family financially. Her misconduct, false credit reporting and the predatory lending for the express purpose for foreclosure on a XXXX veteran is illegal, exploitative and outright discrimination! o In a Letter dated XX/XX/XXXX, ( attached G ) Fifth Third sends back a non-approval letter to the property address I do not reside at knowingly, thusly denying me the opportunity to appeal or respond to the decision in a timely manner. This tactic is an intentional retaliatory effort because of the XXXX complaint I filed on XX/XX/XXXX. I received a Letter on XX/XX/XXXX and XX/XX/XXXX at the correct address in Rhode Island without issue, but this very important letter went unread and I lost the opportunity to fight to save my home. It was intentional targeting because of my military status and reprisal for reporting. o In XX/XX/XXXX Letter signed by XXXX XXXX she states that my loan was again placed in a forbearance period starting in XX/XX/XXXX to XX/XX/XXXX, which means those months should not have been reported delinquent on my credit report either, but they were as witness in the XX/XX/XXXX Experian Dispute Results. This is more reprisal for reporting discrimination for being a XXXX veteran. o XX/XX/XXXX Experian Dispute Results : I disputed the erroneous delinquency report Fifth Third submitted against me on page ( 3 of 20 ), which records my mortgage payments 30 days late as of XX/XX/XXXX. Fifth Third knowingly submitted falsified information with the intent to commit fraud and was both willful and negligent non-compliance to the FCRA. Violation of : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information- ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and 88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate. Encl 9 - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This letter was in response to a discrimination complaint filed against Fifth Third with HUD, where Fifth Third furnished dishonest information for the express purpose to misrepresent the misconduct perpetrated by its employees which has ultimately led to my financial ruin and Chapter XXXX bankruptcy. Violation of : 15 USC 1692e 9 807 15 USC 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Fifth Third Bank knowingly and intentionally reported false and inaccurate information to all ( 4 ) credit reporting agencies for the express purpose of causing financial harm to me by stating I was delinquent in paying my mortgage beginning XX/XX/XXXX to current, as a retaliatory effort for filing a discrimination complaint with HUD. Fifth Third Bank provided a falsified statement to the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, stating they submitted an update to all four credit agencies to remove the delinquency reporting for those months and to reflect those months as current. This statement is witnessed on the 5th page of the XXXX XXXX XXXX XXXX XXXX Letter and can be further verified by the attached XXXX Dispute Results ( Report Number XXXX Dated XX/XX/XXXX ). The damages done by Fifth Third bank are irreversible. My home is in foreclosure and my family and I are facing homelessness due to the predatory endeavors of this bank. I have been targeted because of my military status, and am suffering ceaseless retribution for reporting discrimination. I have continued to be targeted despite providing evidence of Fifth Thirds discriminatory practices and will continue to reach out to Federal Agencies for aid, as Fifth Third is disgustingly unethical in their pursuit to foreclose on my home through illegal measures. I have reported their misconduct multiple times and provided ample evidence to support my claims and believe these actions to be retaliation for reporting them to the CFPB, HUD and Federal Reserve Board. I am now a XXXX XXXX XXXX combat Veteran of 13 years and have been financially ruined and forced to file bankruptcy because Fifth Thirds refusal to correct the erroneous negative credit report against me. I have appealed to multiple agencies who have allowed Fifth Third to continue in this criminal activity and will soon be without a place to live. Since the XX/XX/XXXX Letter from the XXXX XXXX XXXX XXXX XXXX response, I have been placed in another Forbearance period, which was also reported to the credit reporting agencies as delinquent. Additionally, I attempted to sell the house in order to pay off the loan and settle the debt with Fifth Third bank, and they hindered the sell by refusing to provide a payoff amount until the day of closing, which was XX/XX/XXXX. They intentionally sabotaged the sell of the home and I lost the contract and am facing a civil suit by the interested buyers because they were unable to purchase the home because of the malicious hindrance of Fifth Third. This type of conduct was entirely counterproductive to recouping money and demonstrates spite and retaliation for reporting discrimination in the first place. I plead for assistance in this matter so that I do not lose my home. I am a single mother and care for my own XXXX mother, and Fifth Third bank is aware of those circumstances. I reassert that I am being targeted and discriminated against by Fifth Third Bank, and am now suffering retaliation for reporting their illegal conduct. They have done irreparable damage to my family and I. I request assistance from further harassment and abuse for being a XXXX veteran and ask for immediate assistance in the cease of Fifth Thirds targeting for reporting. Surely this bank will be held accountable for their corrupt and disgusting actions in wrongful reporting and malicious discrimination of a XXXX Veteran. They have ruined our lives and I now stand to lose my VA home loan entitlements because of their greed and illegal conduct. Thank you for your time.
Company Response: Closed with explanation

Timely Response

2019-01-30

Itasca, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/2018 I sent a written request to Fifth Third Bank to remove MI insurance from my mortgage account. Shortly afterwards an appraisal was completed. Stating that the loan to value wasn't 75 % or less, ( actual based on appraisal is 77.3 % ) Fifth Third declined the request. I sent a rebuttal to their decision sighting XXXX XXXX rules stating that tenure or the seasoning requirement ( 2/5 year ) is waived in the event the home value increase is substantially due to upgrades or improvements to the real property. The appraisal sufficiently bears this out. The loan has been in effect for 2.5 years, there is no junior lien and payments are current. Fifth Thirds response was a voice mail suggesting that if I wish to remove MI insurance I need to send a request in writing.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-30

Alafaya, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: Recurring automatic payments established on the account were all processed with exception of the final payment. I have been back and forth with Fifth Third Bank since XX/XX/2018, regarding the fact that they acknowledge quote/unquote, " We are in agreement with you, with regards to your reoccurring payment, it had been previously accepted and should have been accepted in XX/XX/2018, '' Had they accepted my XX/XX/2018, final reoccurring payment, we would not be having this complaint, along with all of the distress and adverse actions that I and my family have suffered due to this bank not accepting/processing my payments until which point they could create a 30-day delinquency entry on my credit bureau file report. This information is not accurate ; there were two separate attempts to finalize the last payment, both prior to XX/XX/2018, and just as recently stated in an email from one, Ms. XXXX XXXX XXXX ... " ... the interruption in your payment is the only reason to remove the delinquency. '' Well, this was interrupted, and so, therefore, they need to remove this delinquency ( just as stated by her own words ). Why hasn't she? This has already cost me the recent opportunity to close on a new home, due to the blemish on my credit and fall of my FICO/credit scores resulting ... I also certified them a letter in addition to several phone contacts, emails, and more. I have also been the subject of discrimination in the past with this institution, and believe this is much of the same, and I recently raised this issue again. Please examine their past track-record ( s ) as well as mine. I also will provide similar documentation as I have given them in advance, as well as been repeatedly cooperative, with no resolution yet in sight. Lastly, allow me to also point out that just prior to the interruption in the reoccurring automatic payments, there had been an account number change, where, the original Platinum MasterCard number ending in # XXXX was changed to a new Trio Mastercard number ending in # XXXX. This change was not of my request or doing, and the interruption to ongoing payments not getting processed is an internal issue that I can not resolve for them. As a result, this posted delinquency to my credit file is long overdue to be removed and never should have been posted to my credit and all bureaus in the first place. The bureaus have also been contacted and I will continue to escalate this right to the point of legal action if necessary until the corrections to their mistakes have been updated and removed from all of my credit bureau reports, and my credit is once again restored as it should have been previously, prior to this misrepresented and inaccurate information that was reported. This is an attempt to hold any and all organizations liable, that have failed to enforce the correct reporting of my records and/or amending such, without further delay. Thank you.
Company Response: Closed with explanation

Timely Response

2019-01-30

Plymouth, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: On XX/XX/2018, I attempted to purchase two tickets on the XXXX website with a Fifth Third Rewards credit card for an event scheduled for XX/XX/2018. Unfortunately, I was charged for four tickets in error. I disputed the charge for two of the tickets through Fifth Third Bank in the amount of {$1300.00}. The dispute was closed on XX/XX/2018 in favor of XXXX with insubstantial evidence provided by XXXX. I arrived to the State Farm Arena on XX/XX/2018 at XXXX XXXX EST to pick up the tickets from Will Call. Upon attempting to enter the venue, the XXXX Box Office representative informed me the total amount of the transaction was refunded to me as a result of the dispute in the amount of {$2700.00} and I will receive it within 7-14 business days. I was also told the tickets I received from the XXXX Box Office were voided and I was not permitted to enter the venue for the event with them. On XX/XX/2018, I spoke to a XXXX representative about the transaction. In our recorded conversation, he informed me I was entitled to a refund of {$2700.00} and would receive it within 7 business days. To date, I have not received any refund or charge back from XXXX. Fifth Third Bank has not offered me a chargeback and continue to charge me interest for the fraudulent charges.
Company Response: Closed with explanation

Timely Response

2019-01-29

Eaton, OH

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Company Response: Closed with non-monetary relief

Timely Response

2019-01-29

Jupiter, FL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-01-29

E Hartford, CT

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with explanation

Timely Response

2019-01-29

Calumet Park, IL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I opened a new checking account with fifth third bank on XX/XX/2018 with {$50.00} deposit. About a week later I check the transactions, the new account is negative {$60.00}. The two transactions were XX/XX/2018. The first transaction was for {$27.00} and the second transaction was for {$40.00}. I did not do either of these transactions. My new debit card did not arrive at my address yet. I called customer service to explain these fraudulent transactions. Also, the transactions were made in XXXX XXXX and XXXX XXXX XXXX. I have not been in this area of the city in months. The merchant that approved these transactions should have cameras. Were these debit or credit transactions? If pin was used, how was it activated? If credit, you can compare my signature with the thiefs signature. Fifth third sent me a letter stating they will be reversing my temporary credit of {$67.00} on XX/XX/XXXX. The bank states the card was not reported lost/stolen. How can I report card lost/stolen if I was still waiting to receive it by mail? I want my {$67.00} back into my account.
Company Response: Closed with explanation

Timely Response

2019-01-29

Cincinnati, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-01-29

Itasca, IL

Confusing or missing disclosures

Money transfer, virtual currency, or money service: Traveler's check or cashier's check

Complaint: On XX/XX/2018 I deposited a check in the amount of {$370.00} with Fifth Third Bank. After 4 to 5 days I called Bank customers service regarding my check status, the representative told me that your check returned due to non sufficient fund, when I called to confirm their claim to check issued institution XXXX XXXX and they stated that check was cashed on the same day XX/XX/2018 and my bank put illegal hold on my fund for 10 days to use my money for other business and giving me falls information. This is not a first time they have been doing the same thing since very long and I would say its a regular practice of the bank to put unnecessary hold on checks. Bank also hiding the information of the back of check facts.
Company Response: Closed with explanation

Timely Response

2019-01-28

Jacksonville, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 5th 3rd Bank bought the servicing rights to my loan early last year ( XX/XX/18 ). I was informed in writing that nothing else would change with the servicing of my mortgage loan. The prior servicer, XXXX, provided me with a written document of my escrow balance and the payments for the year prior to the sale. 5th 3rd should have received all this documentation during their purchase of servicing rights. To my chagrin, I found out in XXXX that 5th 3rd had not paid my flood insurance premium in XXXX ( $ XXXX/yr ) even it was clearly part of the escrow balance documents. The way I found out about their error was that they called me in XXXX telling me it had lapsed. My discussion with them was that it shouldn't have been missed since it was their responsibility as the servicer to assure the escrow was properly handled. I immediately called my insurance company ( XXXX ) to find out what could be done. During my conversation with my XXXX, they told me that my area had been re-rated by FEMA.. Because of the re-rating, I wasn't required to have flood coverage anymore and they provided me with the documentation. XXXX also told me that if I wanted to keep flood insurance my rate would drop to $ XXXX/yr. So I called 5th 3rd back told them that I didn't want the flood coverage anymore since it wasn't required and provided the documentation of FEMA 's re-rating. They then sent me a letter saying that they instituted flood coverage and the bill would be $ XXXX/Yr! I have been diligent with dealing with 5th 3rd to resolve this issue, but they have not done so. I have all the documentation regarding this issue and provided those documents to 5th 3rd. They failed to service my mortgage escrow properly by not making the flood premium payment for 4 months and then they try to charge me $ XXXX/yr even though I am not required to have it anymore. Furthermore, I have told them that I did not want to have flood coverage anymore.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-28

Nashville, TN

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response