Date Received: 2022-08-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: FIFTH THIRD BANK in XXXX of XXXX reported me as 30 days late. This was due to an error on their side. I had signed up for automatic payments and they failed to set it up. Spoke with an individual that stated they would take care of it because it was not my fault. Stayed on XXXX called FIFTH THIRD BANK back and they stated they wouldnt change it. Tried to dispute with credit report agency and failed.
Company Response:
State: OR
Zip: 97005
Submitted Via: Web
Date Sent: 2022-08-19
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: I faxed an auto bill payment set up form to Fifth Third Bank on XXXX to setup automatic payments on my mortgage that had just been transferred to them because they don't allow you to set it up online or over the phone with them unless you bank with them - which is NOT mentioned on any paperwork I received, including all Welcome information. On XXXX, I spoke with a representative in the auto bill pay department to see why I was getting a letter asking me to complete the form I'd already filled out and to see if they had received my request and when it would be completed. He advised the form had been received and was in the process of being completed but could not guarantee it would be set for XXXX. I was also advised via chat that day that it can take up to two payment cycles for auto payment to be established. I don't understand how it can take so long to setup auto payments, and how it is now XX/XX/XXXX and I see that they mailed me a letter XX/XX/XXXX advising my request had been cancelled at my request since I never responded to the letters they sent AFTER I was advised to ignore them as my request had already been received. There is absolutely no reason why it should take so long to establish automatic payments. Fifth Third is punishing their mortgage customers who do not bank with them and seems like they are actively trying to get those customers to fall behind in order to collect fees from them. Why would I bank with a company that isn't even located in my state of residence? Why is it so hard to get an accurate response to my request? And why must I send my banking information in an unsecured manner in order to have automatic payments set up on my mortgage account? I thought all mortgage servicers used XXXX XXXX XXXX XXXX XXXX to service accounts. If that is the case, then automatic mortgage payments from ANY bank account are a standard feature within the XXXX XXXX servicing platform, with weekly, biweekly and semi monthly options becoming standard options around XXXX. What system are you using that is so far behind you are unable to set up payments for all of your customers?
Company Response:
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: XXXX of XXXX : XXXX XXXX XXXX, VIN # XXXX was purchased from XXXX XXXX in XXXX, California. The vehicle was financed with Fifth Thirds Bank with co-borrowers. XXXX of XXXX : requested a payoff amount and paid off the loan. Title for the vehicle was issued to the co-borrowers jointly. XXXX of XXXX : Title was changed to the primary owner/driver of the vehicle. XXXX of XXXX : Fifth Thirds Bank alleged that the loan was not paid off and that the co-borrowers were in default of the loan. No contact or other demand for payment had been made with or to either borrower between XXXX of XXXX and XXXX of XXXX. Correspondence from Fifth Thirds Bank reflects no late charges or other fees for non-payment were assessed between XX/XX/XXXX, and XX/XX/XXXX. Bank began calling elderly co-borrower every other day at all hours of the day. Co-borrowers demanded supporting documentation regarding the alleged remaining amount of the loan and were not provided with any substantive supporting information. Borrowers offered to pay any balance upon receipt of substantive supporting information. XXXX of XXXX : Two 1099-C Cancellation of Debt forms were issued to the co-borrowers for the alleged remaining amount of the debt. Furthermore, the bank is reporting the debt as canceled and the account delinquent. Attempts to resolve the credit reporting through the dispute process have been unsuccessful. The Bank offered a solution in a prior complaint that was accepted on XX/XX/XXXX and the payoff amount of {$3600.00} was confirmed by XXXX XXXX along with promises of additional documentation from the loan file. However, they are now refusing to honor that confirmed amount to remove the issue from the credit report, are attempting to collect additional funds over the confirmed amount, and will not return attempts to contact them to resolve the complaint or to provide the additional documentation that was requested in XXXX. Continued attempts to effectuate the offer from the company have been met with silence.
Company Response:
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I keep getting calls from Fifth Third Bank trying to collect a debt from someone named XXXX XXXX. At least 30 times in the last month alone. They have the wrong number, I do not know who that is, and I do not have any accounts with Fifth Third.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Payed off mortgage XXXX. Bank still have lien on property yet making it impossible to release lien. Every time I call to check status I have new hoops to jump thru a new wall to climb. Their lack of cooperation almost seem nefarious.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Ok so I look in my account and I notice that there is about a XXXX difference in what should be there. So I look through the transactions and there is one for XXXX. A withdral slip like I walked into the bank and took funds out of my account. I had already received several letters from the bank advising that my ID and address were updated. I have had the same ID number since I been driving and the same address for 30 years. I call the call center and get the run around, finally someone told me what branch it was done aat and i call the bank mgr. I speak with them and they " oh its a banking error '' and put it back. My daughter tells me, that's a teller or someone who works there because who else can change your address and ID number, you cant even do it. I said all is well and left it at that corrected it. Another month goes by and this time its XXXX and i go to the bank, when I do I can see the screen and the person comparing the last time and this current time, as well as they got my signature. They saw that it was not me, I asked for the tape as well, never got it. I am seeing at this point what legal actions I can take. They assured me I would get my money back and the account would be closed I then get a deposit into that account that SSA gave me for XXXX. I call them cause I notice my account info has not been corrected and was told that they can move my money to my new account as a courtesy. Then I was told all of these fees Im going to be charged. I have banked with this bank for yearsssss. Once this is all said and done I will be closing out any and all accounts that I have with them I want my XXXX as well as my XXXX from SSA. I also want an apology and I want the tape that shows me or whomever going in the bank because I want them prosecuted to the fullest extent of the law.
Company Response:
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I am a customer of 5/3 Bank since 2008. I have 3 checking accounts with them. During all the years, 5/3 has consistently paid the largest amount and left smaller ones unpaid in order to charge " non-sufficient funds fees ''. Then, they started charging service fees in the account " with the lowest amount of funds '' again, to charge non-sufficient funds fees. I contacted them early XXXX regarding fees going from {$11.00} to {$29.00}. They told me they charge fees on fees.. I said then that I would pay what I owed by the end of XXXX. We agreed that I would pay and that it would be it. But, since that day, I have received phone calls from their XXXX offices, as early as XXXX XXXX in the morning, telling me about the fees. In the beginning, I answered and told them that we had made an agreement. But, that did not change the MANY DAILY CALLS FOR OVER 3 WEEKS from early in the morning until late at night. It has been constant harassment, telling me time and time again about the charges made, but never checking the payment arrangement we had already agreed upon.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: End of XXXX XXXXBeginning of XX/XX/XXXX I saw 2 PENDing charges on my 5/3 credit card and called to report the were both fraudulent charges. XXXX : XXXX XXXX XX/XX/XXXX - {$5700.00} XX/XX/XXXX - {$4700.00} I was informed that nothing could be done until they POSTed. Once they POSTed I called to report the fraudulent charges. I received a letter dated XX/XX/XXXX that case XXXX was created and the Disputes/Fraud Team would investigate . I received a letter dated XX/XX/XXXX that the case was closed due to insufficient information. I called 5/3 and XXXX provided me the email address ( XXXX ) and what information to provide .. which I did. I received a letter dated XX/XX/XXXX that the information I provided was not sufficient to reopen case XXXX. I called 5/3 and XXXX XXXX member of Disputes/Fraud Team ) instructed me to respond to the email thread that the Reason Code was wrong .. it should be FRAUDULENT .. which I did. It appears that the Disputes/Fraud Department at 5/3 Bank are attempting to hold me responsible instead of performing their job of protecting their customers against fraud by going after the Merchant who committed the fraudulent charges.
Company Response:
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have Mortgage account XXXX with the fifth third bank and an escrow account with the bank. After I received the first invoice of the property tax after appraisal, on XXXX XX/XX/XXXX, I chatted with their online representative and I was told to send all documents to the bank 's e-mail address " XXXX ''. I did exactly what the representative said and you can find the chat logs in the attached log file of XXXX ' and the screenshot of the e-mail in the attached png file XXXX '. Then, on XXXX XX/XX/XXXX, I also received more invoices that they must have been paid by the mortgage 's escrow account. Then, I opened another chat, and again, I tried to communicate with their chat representatives. You can see 2 chat log files ( XXXX and XXXX ) with two of your representatives, then I sent the documents to their e-mail again. Please check XXXX ' in the attachments. However, in the last days of XX/XX/XXXX, I received another invoice from the tax collector, XXXX tax, with a penalty and interest over the first value. As you can see, I followed all their instructions and I sent the document to the correct departments long before the due dates. The bank made me pay the penalty and interest although it was their mistake. I just called them today and they said it is my mistake I have no idea how. I have all the log documents and e-mails. Recently, they also missed the due date of my house insurance which must be paid by my escrow account. If something happened during that time at my house, I would have so much trouble. I am willing to share all the documents with you. I hope you can find a solution. Best regards,
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is with Fifth Third Bank. My monthly payment is set on autopay for {$1600.00}. I requested to pay an additional {$200.00} per month towards the principle for a total of {$1800.00}. {$1600.00} was autodrafted on XX/XX/22 without the additional payment I requested. On XX/XX/22, I called to follow up on the {$200.00} extra that was supposed to be set up on autodraft as well but was never set up. The rep I spoke to had no explanation on why it wasn't done. On XX/XX/22, {$2800.00} was autodrafted. My husband called to inquire on why the drastic difference and was told that it's to cover our flood insurance. He explained that our HOA covers our flood insurance as we've explained before. They apparently needed a specific documentation as proof and had to reach out to the HOA for it. We were told the difference would be refunded immediately. It was never done. On XX/XX/22, {$2800.00} was autodrafted. My husband called again, same story. There was no explanation on why we weren't refunded for the balance over our usual payment. We were promised it would be refunded and to date that has not been done. We spoke to other representatives today in the insurance, mortgage, and customer service department and there has been no effort to resolve this issue. The customer service representative said she can see the request for the refund and advised to give it until XXXX for the refund but I do not have any confidence that this will be processed. There is no explanation on why the last 2 refund requests were not fulfilled either. My monthly billed amount should go back to {$1600.00} and a total of {$1800.00} should be autodrafted with {$200.00} towards the principle. I do not have any agreement from anyone to see that this change will be made. Nobody seems to be able to provide any kind of follow up. I'm being told to call again then get bounced from department to department. I need the overage charges refunded ASAP and I want my monthly payments to go back to what it was before. I would also like a phone call or email to confirm that this issue is acknowledged and that someone will follow through to see that it is resolved.
Company Response:
State: FL
Zip: 34698
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A