Date Received: 2022-04-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My complaint is about Fifth Third Bank. I contacted them for the last couple months trying to have this account removed off my credit. I contacted them they stated they will remove it. It never went no where. Im in process of purchasing a house and this account reporting as closed in XXXX is hindering my process. I need this account off of credit report like bank stated they will do. The account is also pass 7 years!
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Problem with customer service
Subissue:
Consumer Complaint: XX/XX/22 dispute case XXXX over charged theft XXXX. Owner said refund for emergency leave from XXXX XXXX Amount of XXXX was never paid customer service did not want to take alter information for dispute case, alter information for investigation po box XXXX XXXX XXXX MO XXXX XXXX XXXX emergency number for dispute case also @ XXXX withdrawal XXXX. Never show on XXXX XXXX XXXX, XXXX had to use my bank statement to verify.
Company Response:
State: MO
Zip: 63116
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Since XX/XX/2019 's bankruptcy, mortgage not included, is listed closed on my credit report, even though I have continued payments including huge increased amounts added to monthly payment, my choice of home insurance being paid directly to insurance agency was changed ( without my request ) to an escrow by mortgage holder. I received an email from my password with this mortgage agency and forwarded these discrepancies to their headquarter and the Attorney General 's Office to no avail nor response. To-date, no report of payments since XXXX is posted to the Credit Bureau XXXX My on-line communication and messaging were frozen and unable to download to view visually.
Company Response:
State: OH
Zip: 43211
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt is a result of identity theft XXXX XXXX XXXX Account # XXXX Opened XX/XX/2021 Balance XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Debt not mine I was a victim of identity theft.
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022, I went to pick up food from XXXX. I had to return the food because of a wrong order and did not have time to get something else. The manager XXXX @ XXXX was to cancel the order and refund my money within 2 days. It has now been 4 days and still no refund. I tried to call 5/3 Bank and stayed on hold for over a hour and I also called and left my phone number to get a call back from 5/3 Bank to dispute but I am unable to get a call through to them or call back to dispute this transaction. I believe the total was just over {$15.00}. I can NEVER get through to the customer service # for 5/3 Bank. When I attempt to go inside the bank. They inform me that are unable to help. I have never seen a bank so unprofessional in my life. Please help.
Company Response:
State: FL
Zip: 33919
Submitted Via: Web
Date Sent: 2022-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/19 I contacted Fifth Third Bank to gain access to my MORTGAGE account online to view and print a statement. During the course of my conversation with XXXX he advised that he would have to open a XXXX XXXX XXXX ATM card for me in order for me to have access to my mortgage account. After 4 times questioning him on why I would need an ATM card to gain access to my mortgage account and me stating " I do not want any additional accounts with 5/3 - I only want online access to my mortgage account '' did he finally withdrawal his persistence in providing me with a XXXX XXXX XXXX ATM card and was able to give me easy instructions on how to access my mortgage account online. If I had not questioned and pursued he would have opened a XXXX without my full knowledge. He was misleading and I hope 5/3 does not have a practice in opening accounts when the consumer is not aware and it is not their intent however, based on this interaction I believe they are doing this regularly.
Company Response:
State: MO
Zip: 63128
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Multiple times a year Fifth Third Bank somehow cancels my automatic monthly online banking transfer payments to my mortgage and charges me late fees, and they only waive one as a bank courtesy when I have a perpetual never ending payment set up. They fail to provide me dual factor authentication for the online services they do offer to all the other customers. I called Fifth Third Bank about late fees for both XXXX and XXXX of this year and they hung up on me twice after I was on the phone for almost an hour. The 5/3 app frequently doesnt work, and dual factor authentication has been missing for me for years now. This is likely happening to other people who dont know how to report it.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Checking fifth third bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Telfono : XXXX XXXX VS_______________ Fifth third bank XXXX chain XXXX XXXX XXXX GA XXXX # cuenta XXXX Collection Departaments fifth third bank ge into my account without authorization and get money At the moment in my behalf I contact them XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Fifth third bank summit a bank transfer without my unthorization. I contact them and their allegations is that own them money from my car loan which is just current pay. The withdrawal the amount XXXX. I request money back. Thanks for you prompt answer To your success. XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Fifth Third Bank sent a final statement in the amount of {$1200.00} with a due date of XX/XX/22. I was unprepared to pay the amount, as my normal payment is {$350.00}. However, I received a deferment due to COVID-19 hardship and was informed that the final payment was higher because it included those XXXX months rather than the number of months being extended as I initially thought when I requested the deferment. Given the surprise increased payment, I could only afford to make my normal payment that month ( XXXX ). The remainder amount ( {$860.00} ) was paid on XX/XX/22, which was a Sunday. Unfortunately, Fifth Third Banks payment cutoff time is XXXX XXXX Monday-Friday ; therefore, they do not process payments on the weekend, which is when the due date would have been for being considered 30 days late. The following Monday ( XXXX ) was also XXXX XXXX and Fifth Third Bank does not process payments on holidays. Therefore, the payment was not processed and posted until the XXXX. Given that Fifth Third Bank offers no method for receiving/processing payment on weekends ( which would have been the due date for being considered 30 days late ) and given that they were also closed the following Monday for payment receipt/processing, I do not believe that my payment should be considered 30 days late for any purpose, including credit reporting purposes. According to Regulation Z, Part 1026, the creditor may generally not treat a payment received the next business day as late for any purpose when the creditor does not receive or accept payments on the due date.
Company Response:
State: MS
Zip: 39209
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: There was an error in Mortgage release filed by fifth third bank. I contacted them and they asked me to send them documents and was told that it would be fixed very quickly in 3 days or less. Now after a week, it is not fixed and the error is holding up further transaction on my property and bank is not providing me any update or commitment to fix their error. Below is the letter that I sent them along with requested documents. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX To, Lien Release Dept Fifth Third Bank XXXX : XXXX - Incorrect Lien Release for a/c XXXX Dear Sir/Madam, You were our mortgage servicer for a/c XXXX till XX/XX/XXXX when the mortgage was refinanced with XXXX XXXX. They paid your mortgage off and you filed a lien release with XXXX XXXX XXXX on XX/XX/XXXX. However, you made an error in that mortgage release and did not refer/release the correct mortgage. Instead of releasing your mortgage, you released prior lender mortgage and hence lien from your mortgage is still present on the title and county records. This needs to be corrected. I am explaining sequence of events below to clearly communicate situation. ( XXXX ) XX/XX/XXXX The property was first bought by us from XXXX XXXX. XXXX. The mortgage was provided by XXXX Mortgage Recorded on XX/XX/XXXX, Book XXXX, Page XXXX, XXXX XXXX, Amount- {$400000.00} ( XXXX ) XX/XX/XXXX The property was refinanced. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Amount- {$400000.00}, Recorded on XX/XX/XXXX, Book XXXX, Page XXXX, XXXX XXXX This is the mortgage that Fifth Third Bank was servicing. ( XXXX ) XX/XX/XXXX Mortgage release for the XXXX mortgage loan was filed by then servicer XXXX XXXX XXXX on XX/XX/XXXX, Book XXXX, Page XXXX, XXXX XXXX ( XXXX ) XX/XX/XXXX The mortgage from Southern Residential ( being serviced by Fifth Third Bank ) was refinanced with XXXX XXXX, loan amount - {$540000.00} Recorded on XX/XX/XXXX, Book XXXX, Page XXXX, XXXX XXXX ( XXXX ) XX/XX/XXXX You ( Fifth Third Bank ) filed lien release Recorded on XX/XX/XXXX, Book XXXX, Page XXXX, XXXX XXXX. However, in this filing you made an error and referred to XXXX XXXX as XXXX XXXX and provided their details of recording, instead of referring to your loan ( originated by XXXX XXXX ). Because of this, the lien from your mortgage ( referred in point XXXX above ) is still present on record even though the loan in paid off. You need to file a new mortgage lien release to correct the error and remove your lien. I am attaching below mentioned documents : ( 1 ) Copy of Title Document Numbered as Document 1 ( 2 ) Proof of Payoff Document Numbered as Document 2 ( 3 ) A Copy of Mortgage from Southern Residential Lending First Page only Document Numbered as Document 3 ( 4 ) Mortgage Release Document filed by Fifth Third Bank Document Numbered as Document 4 That is where the error is made and needs to be corrected. ( 5 ) Mortgage Document from XXXX XXXX First Page only Document Numbered as Document XXXX ( 6 ) Mortgage Release Document from XXXX XXXX for XXXX XXXX XXXX XXXX as Document XXXX ( 7 ) Mortgage Document from XXXX XXXX which replaced mortgage held with fifth third bank XXXX XXXX only Document Numbered as Document XXXX Please take necessary action and remove your lien from this property at the earliest. Also let us know if you need any more info from us. You can reach us at XXXX XXXX XXXX. We request you to let us know when action is taken. Thank you, ( XXXX XXXX )
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A