Date Received: 2022-04-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: i recieved several phone calls of which were threats via robo call messages. no identification noted. then i recieve a recent letter concerning a bank that i had a account with more than 18 years ago that was only a checking account 5th 3rd that i closed due to fraud overdraft fees. i attached the letter and more info on how this bank was sued for such acts now they are at it again through the listed law firm. XXXX XXXX and XXXX
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 90 days late as of XX/XX/XXXX and charged off in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. The payofff and title had already been released to me. When I reached out to them, they said that they tried contacting me via phone however they did not have my correct number. No attempts to contact via ground mail or email that a balance was still owed were attempted.
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX : Bill pay arranged from XXXX XXXX to Fifth Third Bank for XXXX mortgage payment. XX/XX/XXXX : Letter from Fifth Third Bank informing no payment received for XXXX. Late charges of {$95.00} placed on account. ( I was out of town from XXXX XXXX ) XX/XX/XXXX : Email from Fifth Third Bank. They requested payment for XXXX mortgage. XX/XX/XXXX : Called Fifth Third Bank a d provided routing and my account number for XXXX XXXX. A second XXXX mortgage payment including the late payment of {$95.00} was given to prevent personal credit damage. And later visited Fifth Third Bank branch in XXXX, FL and spoke with XXXX XXXX who requested verification of XXXX XXXX withdraw of funds and copy of check to Fifth Third Bank. XX/XX/XXXX : Received email from XXXX XXXX denying any error happened regarding payment. They attached copy of check sent to Fifth Third. XX/XX/XXXX : Received call from XXXX XXXX verifying second payment. XXXX XXXX XXXX : Multiple phone conversations with both banks attempting to find missing XX/XX/XXXX payment of XXXX. Spent more than 5 hours between calls to banks. XX/XX/XXXX : Visited XXXX XXXX at Fifth Third Bank. He called main office and they said more information is needed as the check attachment sent by me from XXXX XXXX was inadequate. Called to get further help from banks and customer service reps were incapable of correcting this issue. Last call today with XXXX who conferred with her supervisor XXXX in order to research lost payment.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage was sold as of XX/XX/XXXX from XXXX Mortgage to Fifth-Third Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Mortgage payments were to be auto paid and set up for direct payment on the first of each month. In XXXX I paid for 2 months advance payment because I was told that Auto billpayer could take over 60 days to be set up. In XXXX the mortgage amount was deducted ( though I had advance paid it ) and I called and asked for this to be carried forward to XX/XX/XXXX payment. In XXXX, I received a notification that my mortgage amount would be increased to cover an arrearage in the escrow, which increased my mortgage payment by almost XXXX XXXX additional a month. I asked for them to explain how the arrearage happened in the escrow since it was sold to them just a short time ago -- and my previous mortgage holder had not mentioned any shortage. They had a hard time telling me where this additional XXXX XXXX a year was increased from -- -until I asked for all my old documents to be compared to the new documents and they realized my property tax was the increase. I asked for a new amortization because I had been paying additional amounts towards principle to close the loan even faster than the 15 year term. Fifth third assured me in XXXX that my Auto-bill would be increased to cover the additional payment from XXXX $ to XXXX $ a month to cover the increase in the mortgage and escrow account. In XXXX, I saw the auto draft for XXXX XXXX and received a letter from them stating that the amount was short and therefore was not applied to my mortgage and a " nasty gram '' about how my mortgage would be delinquent and how this was a " serious matter ''. I called their customer service and lodged a complaint that this should have been handled in XXXX when I spoke to customer service about the need to increase the mortgage payment to cover the arrearage. And when I was assured by the service representative that my auto bill amount would be increased to cover this change and the new payment amount would be XXXX. To resolve the payment issue I paid Fifth Third the additional XXXX so that they would agree to apply the amount toward my mortgage and not show a " late fee '' on my credit score. It is now XX/XX/XXXX. On XX/XX/XXXX my bank account was debited XXXX XXXX once again from Fifth Third bank ( which they assured me now twice would be changed to be XXXX ) Today on XX/XX/XXXX they auto billed again this time for the amount of XXXX -- so they once again double charged me in the same month for the same mortgage payment. I once again called customer service and they once again assured me that moving forward I would only have one debit coming out for the amount on XXXX. However, they have now put this account into an arrearage -- -- and they refused to contact the bank and inform them that this was their fault -- -and to wave the overdraft fee. They said I would need to call my bank -- but honestly -- -I am going to tell my bank that another bank made an error -- -and they are supposed to just take my word?? So now Fifth third has cost me actual money due to their neglectful and nasty business practices. I feel that they are purposefully creating a situation where my mortgage is going to be defaulted because they can not be trusted to follow through on their own service promises. They have owned my mortgage for only 5 months -- and every month have put me into a situation where I am scrambling to ensure that this payment is appropriately credited and applied. I should not have to chase my mortgage company into doing the right thing for a customer. Again -- the reason I have this set up through auto bill is to ENSURE that payments are always in full and on time. I would like fifth-third to be investigated to see how many other homeowners are experiencing these terrible practices.
Company Response:
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against FIFTH THIRD BANK for committing identity theft. I have never given FIFTH THIRD BANK any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from FIFTH THIRD BANK before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If FIFTH THIRD BANK can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnish ofinformation & 15 U.S. Code 1681e ( b ). I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FIFTH THIRD BANK can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FIFTH THIRD BANKcontinues its collection efforts, I will file for litigation for actual damages caused and FIFTH THIRD BANK will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX is the holder of my mortgage. They are continuing to charge me for PMI even when the loan has been paid down enough to be below the 80 % threshold. I purchased a condominium in 2016 for {$80000.00}. I put 10 % down and financed {$72000.00}. I pay $ XXXX in PMI. The mortgage is now paid down to {$61000.00} which is 76 % of the sale price. This alone warrants the elimination of PMI. I'm not even asking for them to consider the real value ( my next door neighbor just sold for {$200000.00}. ). I have sent several letters to the bank and received standard denial letters due to the fact that " the value of my property can not be determined ). I feel that this is deliberate.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have read several reviews about fifth third bank not knowing who they were until after I signed the agreement application for car loan to find out so many people have been complaining about this bank they have even been sued why are they allowed to continue mistreating people and taking their money.i am currently trying to get my credit union to take over my loan so that I don't have to deal with others are dealing with .and noone is doing anything about them.i and I'm sure others work too hard to get the run around about their money this is why people are taking it out on one 's like them in a bad way .they should really change their way or something bad may happen to those working for this bank .this day and time is very rough no time for nonsense ..should be great fun to have a job. America allows to much mess to go on with out serious punishment .the reviews I read they all would be fired ..I want out before getting the same treatment. I don't know how I would handle it .I will drive there .since noone else can seem to stop this terrible nightmare behavior.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Applied for an Auto Loan through XXXX of XXXX, Arkansas. I had excellent XXXX credit at the time, income, down payment etc.not an issue. XXXX of XXXX had me fill out a credit application on an XXXX XXXX form. Later in the process I am told the financing was sold to Fifth Third bank. I never received an payment booklet or statement from Fifth Third bank. I had no idea when the first payment was due, the amount of the payment, or the account number. All I knew from XXXX of XXXX was Fifth Third was going to take over the loan. After not receiving anything from Fifth Third, My husband and I tried to call them to find out how to make a payment, who to make it to. Each call was a multi-hour experience that ended with us speaking to someone overseas who was little or no help. By the time we finally got someone who could help, they said the loan was in collection, and I now had to speak with someone in the collection department. We finally got the opportunity to make a payment over the phone to bring the account current. I still have yet to receive any mail, bill, statement, email, phone call or text message from Fifth Third bank. I shortly have another payment due and no idea how to make the payment without calling them for yet another multi-hour phone experience. If this " abuse by neglect '' practice is how they treat customers with excellent credit and income, I shudder to think how they treat consumer with less-than-perfect credit. As a result of Fifth Third Bank 's lack of contact I now have a black mark on my credit which I have spent years maintaining at a high level.
Company Response:
State: AR
Zip: 72762
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have banked with fifth third for a long time now and they only allow two reversal overdraft fees in a year. When Covid hit my husband lost his job and his direct deposits stopped due to income drop. We had to totally re structure how we were going to pay for things on auto draft and have tried to cut back as much as possible on expenses. Since covid I have probably paid {$2000.00} if not more in fees. I have had to use my overdraft protection more than needed due to paying bills while stretching to pay day. Recently this year I belive they up all their fees. They used to charge {$5.00} extra if your account is overdrawn more than 10 business days. Now it is {$25.00} and five business days?? How does that not seem insane. Also I have made an error and accidently debited from the wrong account, I quickly transferred the money from the other account over and made the account positive. I called to make sure no fee would be given and was told no, the next day there was the fee and for {$37.00}! Fifth third had the highest fees possible. I have switched to a new account fifth third offers to help with overdraft by giving you an extra day to cover the funds. But the account will only cover up to XXXX of overdraft where my other account would allow more to be paid. So it doesn't not help for any emergency situation. I really want to keep my banking relationship but the fees thst have been paid is insane and now there are products like chime that will pay you earlier and the fees are much lower, plus they will float you as long as you have direct deposit set up. Also I find that I can withdraw my money at more ATMs with out getting a fee where as fifth third only allows their atm for withdraw and its always a minimum of {$20.00}.
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: My XXXX XXXXXXXX XXXX was totaled out after a car accident in XXXX of XXXX. Fifth Third bank completely shutdown their total loss department duty to covid and was only accepting emails. They continued to count my car payment late for months because they took their time responding back to my insurance and gap warranty companies. Eventually they reported that my car was being repoed which is impossible because the car was totaled. Eventually I got a letter in the mail stating I owed an additional {$890.00} after my car insurance and warranty paid their balances. They falsely reported to my credit report off of that information.
Company Response:
State: WA
Zip: 98503
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A