Date Received: 2022-05-20
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I'm the current owner, and there is a lien on my property from two owners ago, on a now-defunct XXXX XXXX Bank and borrower XXXX XXXX XXXX XXXX Copy of title search showing there's still lien on property, was faxed to Real Estate Lien Release dept of XXXX, and Request No. XXXX, says 3-10 business days. Requesting for paid off, release of lien to the county, and they still haven't submitted the release with XXXX XXXX XXXX recorder 's office, Indiana. Please can you make sure this gets addressed immediately.
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have had this current account for a couple of years now and was pretty pleased with it for the most part up until recently. This account has been nothing but problematic as it relates to one ( 1 ) particular deposit in the amount of {$44000.00} ( hereinafter called the Deposit ), which represents my XXXX retirement funds from my previous employer, The XXXX Companies. Unbeknownst to me, this particular account has a deposit limit of $ XXXX. I was not aware, however this should not be your problem, as I am the account holder and should be aware of the type of accounts I have. In my defense, this particular account is different than your usual or average checking account with a well-known financial institution or bank or at least the ones Ive banked with before. No documentation I have reflects this information including the Cardholder Agreement. This should have been conveyed to me the numerous times I spoke with different XXXX account representatives also referred to as account rep ( s ). Not one XXXX account rep told me of a deposit limit. The Deposit just kept getting rejected. I was then emailed by someone from XXXX who indicated that proof of The Deposit needed to be provided before it could or would be approved. Pertinent, relevant supporting/back-up documentation of The Deposit needed to be uploaded through the following link XXXX XXXX XXXX XXXX XXXX which I did several times just to ensure receipt. The Deposit was still not approved and rejected. It wasnt until I spoke to a XXXX supervisor who indicated that there was a deposit limit on my account. Had I known about this when I first dealt with said issue, we probably wouldnt be here now. No one said there was a deposit limit. I assumed it was a matter of documentation or proof being provided. I am still waiting on The Deposit. The documentation I had uploaded through the aforementioned XXXX document site referenced above even reflected the deposit amount. XXXX has had the relevant documentation or necessary information in their records for a while now and still, no one said anything to me about a deposit limit. I finally spoke to a supervisor who mentioned a couple of other options to receive The Deposit. She even stated not all XXXX reps may have access or know this information. Im not sure if thats accurate and if it is, not sure why that is. You would think that all account reps would have access to accurate and up to date information on accounts so they can work efficiently with the account holders. The other two ( 2 ) options to receive The Deposit were either 1 ) via check or 2 ) split it up into 5 separate ACH payments or deposit transactions. I did not think the latter or 2nd option was available to me, so I elected the 1st option, which is a check. When I did not receive a check, I followed up again. Apparently, another ACH was attempted to my XXXX account and The Deposit was rejected again. This last rejection of The Deposit was not the fault or doing of XXXX As you can imagine, I have been relying on The Deposit and dealing with these unnecessary delays, numerous conversations or communication with different XXXX reps/supervisors or lack thereof. It was at this point I finally inquired about the latter or 2nd option and if it would be available to me, and surprisingly, it is. I believe all this could have been avoided had someone told me in the beginning that this particular account could not receive deposits larger than $ XXXX. Now, this last supervisor I spoke with on XX/XX/2022, assured me that this issue has been resolved and The Deposit will be split into XXXX ( XXXX ) separate deposits or XXXX payments, which the XXXX deposit of $ XXXX should hit my account by the next day, Thursday, XX/XX/2022, no later than Friday, XX/XX/2022. She even stated that she would give the bank a heads up just to ensure these transactions are completed. Unfortunately, with all that has transpired the past few weeks pertaining to The Deposit, it has really tainted my relationship with XXXX. I am not sure how long I will maintain or keep this account open and/or active. If I do not receive the total amount of the Deposit by XX/XX/2022, XXXX have no other choice but to immediately terminate this account and pursue all legal remedies available to me, including but not limited to filing a complaint with the following governing website : https : //www.consumerfinance.gov/complaint/. Update : I have received 2 deposits, one ( 1 ) of $ XXXX on XX/XX/2022, and two ( 2 ) of $ XXXX on XX/XX/2022, however the 3rd deposit of $ XXXX that was issued on XX/XX/2022, was rejected. Why approve 2 out of the 5 deposits? I spoke to another XXXX rep on XX/XX/2022, regarding this issue and he indicated that there was a monthly deposit limit. Again, no one advised of monthly deposit limit. When the rep indicated that the XXXX option of the $ XXXX increments was available to me, she never indicated that there was a monthly deposit limit. You would think that an important detail like that would be provided/shared. This has been nothing but communication failures at its best. Now, I have to elect a different option to receive The Deposit. I am done with XXXX The services provided by XXXX are terrible.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complainant purchased the residential property in question in XX/XX/XXXX, immediately after which the associated mortgage was acquired by respondent, Fifth Third Bank. Records would show that complainant subsequently issued payment to respondent on or about the first of the month via an automatic bill pay service, with no delinquencies whatsoever. Amidst the sale of this house in XX/XX/XXXX complainant was advised via the Closing Disclosure that respondent was assessing " Late Charges '' against the account. Around this time complainant received a bulletin from respondent stating that " Although we appreciate receiving your XX/XX/XXXX payment of {$1300.00}, your total payment is {$1300.00}. Our records indicate that you should have received an escrow analysis statement showing a monthly payment increase due to an increase in the escrow portion of your payment. '' However, no meaningful notice was actually provided of this subtle impound increase. Complainant contacted respondent by telephone initially on XX/XX/XXXX to request the opportunity to make up the apparent deficit and to request reversal of the related late charges. Respondent 's agent, XXXX, stated she had no record of this letter or any late charges. However, as the closing date for the sale of the property neared, the escrow agent reconfirmed that Fifth Third Bank was continuing to levy late fees, and, because the transaction was formally in escrow with a final payoff having been requested and computed, complainant had no further opportunity to intervene directly. Complainant re-telephoned respondent on XX/XX/XXXX by which the issue was stated to be escalated to the supervisory level, although after a reasonable period of time there has been no response from respondent. Respondent received the {$21.00} " shortfall '' via the payoff. Complainant seeks refund of the {$89.00} late charges asserted.
Company Response:
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act Fifth Third Bank, has violated my rights In XXXX 2019. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 166b A Creditor may not treat a payment on a credit account under a closed end consumer credit plan as late for any reason.
Company Response:
State: NC
Zip: 27501
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Problem with customer service
Subissue:
Consumer Complaint: I was XXXX discriminated against because I'm XXXX-XXXX. They made multiple excuses as to why they couldn't cash my check and each one did it make sense first they said they couldn't cash it because of the amount so I clarified that I've cashed checks with them before and they explained to me that the smaller branches like that one have a Max of XXXX if anything above XXXX for XXXX customers you have to go to a larger Branch. The next excuse was that my daughter 's name was outlined on the check, the check was issued to me as her guardian on her behalf for the settlement agreement and documentation that I provided at the date of service. When I asked for the names of the manager and banker I was given attitude and told they couldn't cash it. She also went to get security as if they were in danger of me with XXXX children. This kind of thing can not continue.
Company Response:
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Getting the loan
Subissue:
Consumer Complaint: On XX/XX/2022, my husband visited Fifth Third Bank at a branch location to inquire about a home improvement loan. ( They currently hold our mortgage ). We have not yet decided that we want to get one ; he was looking for basic information to inform our decision on whether or not to apply for one or to finance another way. The bank ran my credit ( hard inquiry ). I did not give my permission for that action whatsoever, and my husband was unaware they planned to do so.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Over a year ago I bought a vocal booth from a company in Nevada called " XXXX XXXX XXXX ''. They had a " special '' deal going on and I was looking to get one for when I move out into an apartment that can withstand the weight since they are over 1,000 lbs. I asked if they could hold onto it until I move in and they said yes. They said I can make two payments for the booth with my debit card. One payment of {$3000.00} was paid on XX/XX/XXXX. The second payment for {$3000.00} was paid on XX/XX/XXXX. I moved into my new place around 4 months ago and asked them to ship it. After 2 months of them saying they can't ship it due to " weather '' they finally said that they could ship it. I paid the " shipping '' and they " sent '' the booth. Nothing has been received. When I would ask for a tracking number, they would just say " it's on the way! '' The shipping was {$1300.00} and was paid with XXXX. I asked for a refund since nothing was received and they said " we do not offer refunds after 30 days. '' When I bought the booth the company had many good reviews and their website/social media seemed legit. Unfortunately, all of the good reviews are gone and now all XXXX reviews say that this company is a scam. I talked to someone who got scammed on XXXX and he managed to get his money back by setting up a fraud case with his bank. I contacted my bank ( 5/3 bank ) for a fraud case. The two payments made on the booth could not be investigated because 5/3 said it was out of their timeframe. The shipping payment is still being investigated by them. I am wondering if you can help me get my money back. I can provide all proof about this because all communication with this company was through email. Thanks!
Company Response:
State: OH
Zip: 44256
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/22, i called 5/3 bank 10 times called, they answered, then said " call center was closed '' but opened 24/7 they answered 2 times then they will send msg on phone " the office is closed '' but they answered. these ppl will not let me check account balance over the phone as ive done many times i do not want to use app ppl steal. these are ppl in XXXX i just like to conduct business in usa, as my phi, and others things were breached. im filing another complaint as these ppl causing these problems never had problems with banks until these ppl XXXX are conducting business and stealing on top of it gov knows all going on and its allowedMortified!
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is a repeated caller claiming to be 5/3 Bank and saying they are calling to get payment on an auto loan. The number is XXXX. It calls daily, weekdays or weekends. I'm asked to give personal information, such as my birthday. I have checked with 5/3 Bank and its representatives. They say this is a scam call. I've told the person- it's a real person on the line- not to call me. They continue to do so. It needs to stop.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX Mortgage sold my loan to Fifth Third Bank over a month ago and I have received no correspondence from Fifth Third Bank ( email, mail, or phone ) to the property address or my address of record. The property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 62704
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A