Date Received: 2022-03-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had two fraudulent charges go through my account. I received an alert and responded that I did not authorize the charges. After several calls to Fifth Third and being transferred numerous times to different representatives, I was told to wait until the charges went through to dispute them and that they may fall off. Instead of the charges being removed, I woke up today with XXXX in overdraft fees. I immediately put the funds to cover the fraudulent charges into the account, prior to the open of the business day, and filed a dispute for the charges ; yet after contacting Fifth Third again this morning and speaking to several account reps, the overdraft charge was not put back in my account.
Company Response:
State: OH
Zip: 45750
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To whom it may concern, I have a mortgage loan with Fifth Third Bank. I received a COVID forbearance which started XX/XX/XXXX and ended on XX/XX/XXXX. Once the forbearance ended, I resumed my monthly mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also made the XXXX payment today. Despite resuming payments and PAYING MY MORTGAGE ON TIME and also completing loan modification documents, I was reported delinquent by 180 days to the major credit bureaus. Ultimately the report of delinquency IS false. The result of this false report has been devastating. To elaborate, I need to buy a new car, but i am being denied credit because I was reported delinquent on my mortgage which again is untrue.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Fraudulent activity
Company Response:
State: OH
Zip: 44310
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I currently have a mortgage with fifth third bank and I am in the middle of getting my mortgage refinanced elsewhere. It was supposed to close in XXXX. FHA needed some extra verification on a few things and once it was confirmed that we would not be closing in XXXX, I went in on XX/XX/XXXX to make my payment in cash. My mortgage was due on XX/XX/XXXX. My payment is being reported as of the XXXX and is being marked as 30 days late on my credit ; despite being made within 30 days on the XXXX. Currently, this reporting has pushed my refinance 1 month back and will potentially another month because they are not wanting to remove the late payment marking despite being made within 30 days. I have tried communication thoroughly in branch/through customer service ultimately leading me to a direct contact with an employee who manages credit reporting within fifth third. While my in-branch experience was great, they do not have control over the backend management of this case. The people actively managing my case are refusing to budge/remove this reporting despite being incorrect. Attached is the receipt I was given for my payment on my mortgage that was done on the XXXX.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for mortgage with fifth third Bank. In XX/XX/XXXX. On XX/XX/XXXX I reminded XXXX XXXX XXXX that property was a lease hold. Association did not own land. My realtor said remind loan officer because some banks do not do loans on lease hold properties. Bank person did not seem concerned at that time. Continued with application. Paid {$390.00} application fee on XX/XX/XXXX. Posted to my XXXX XXXX account on XX/XX/XXXX. On XXXXor XX/XX/XXXX XXXX XXXX XXXX informed me that 5/3 bank does not do lease hold property loans. I had to start over with other mortgage companies. This was 5/3 banks fault. Info was on for sale data and I told them. They will not refund my {$390.00}. To me that seems like fraud. Why did they wait until they took my money to tell me they don't do land lease Mortgages. I want my money back. To me that is a lot of money.
Company Response:
State: FL
Zip: 34481
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I just received a text from this number that my fifth third debit card had been frozen. I don't bank there. I figured it would be helpful to report on behalf of those that do. Hopefully nobody gets scammed.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage payment, including escrow account, total changed from {$1900.00} to {$1900.00}. I made the payment of {$1900.00} on XXXX for my XXXX payment, which was {$5.00} short of total due. I always made my payments using Auto-pay and the total was not updated to account for the change in my escrow account contribution. I was contacted by Fifth Third bank by mail regarding the shortage and so I wrote a check for {$5.00} on XX/XX/2021. Fifth Third Bank contacted me by phone and I informed them of the check that was mailed out and they noted the payment was coming. I discussed the situation with the customer service representative. I requested the balance of {$1900.00} be refunded so I could make a new payment in full, {$1900.00}, but that was not an option. I corrected my auto payment to {$1900.00} and made a payment on XX/XX/2021 which cleared on XX/XX/2021. Check of {$5.00} was received and applied to my account on XXXX, bringing my payments to full. Fifth Third Bank reported me to credit bureau in XXXX for delinquent account total of {$350000.00}, not {$5.00}. My credit score dropped XXXX points because I payment was received but not applied to my account. The {$1900.00} was not applied to my mortgage account by Fifth Third Bank but was deducted from my checking. When Fifth Third Bank was questioned about why that payment was not applied they stated " they did not know what to do with the payment, and I never called to tell them what to do with it ''. I made all payments to Fifth Third Bank before and after the escrow total change. I have never defaulted on a mortgage payment with Fifth Third bank, nor any other mortgage company in the history of me owning my property. All communication with Fifth Third Bank was open and there was no avoidance on my part to correct the issue. The change in payment total did not impact the amount paid to my load, only to my escrow account. When I reached out to Fifth Third Bank there was no negotiation or talk of them helping me to rectify the situation. I requested to speak to complaints department and they stated a paper letter would need to be mailed into Complaints because they do not take phone calls. I did not request to do business with Fifth Third Bank, nor was it an option to not do business with them. The fact that I am in a contract with Fifth Third Bank without any control over the situation is absurd. I was planning to make additional mortgage payments to my account to pay down my house faster. This was an option with XXXX XXXX XXXX whom I refinanced with, but is not an option with Fifth Third Bank. I am bound to the contract of a company that does not align with my financial goals and most definitely does not have customer financial well being as a concern.
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received a call from a collector on XX/XX/XXXX. His name was XXXX XXXX. He stated he was from XXXX XXXX XXXX XXXX and that I had an account w/Fifth Third Bank in which I owed XXXX. He told me that the debt was owed since XXXX. I immediately told him that I went bankrupt in XXXX and that they were in the bankruptcy and it was discharged in XXXX. He then told me that did not mean anything as the debt was discharged in the year of XXXX. I immediately told him to stop calling me. He then asked for my lawyers information and had a very nasty attitude. After that he sent me an email that had a settlement letter in it. I called my lawyer and they told me that Fifth Third was indeed in the bankruptcy, but he does not know why they would say I owed at the time XXXX as I did not owe but XXXX dollars under that bank at the time of bankruptcy. I called the debt collector back and he told me that I probably had two accounts and that they would be going after me a different way to pay off the debt. I told him that I did not have but one account and that was in bankruptcy, and I do not owe Fifth Third anymore because after my bankruptcy I never went back and opened anymore accounts because I have been with Third Federal Savings & Loan since the bankruptcy. I asked him why did he say that I owed the debt in XXXX, and then when I let him know I went bankruptcy in that year, he turned around and said no it was charged off in XXXX. He hung up on me. I am filing this complaint because I do not owe Fifth Third Bank and this company has been calling me since the bankruptcy and have been harrassing me even though Fifth third already was alerted that I had went bankrupt, they still sold the debt and now I have been harrassed. They should not have been calling me at all. And even though I keep telling them that I have went bankrupt they continue with the harrasing phone calls, much of them hanging up on me. When I move they try to find me and call my new number as well. Now they are trying to make it look like I had another account and that the bankruptcy is null and void and is trying to attack me civilly.
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was on forbearance due to loss of income because of COVID. At the end of my forbearance, I was given a few options on how to proceed. I chose to due a loan modification. I was put on a trial where I had to make 3 payments at a reduced amount. The payments were made XXXX XXXX, XXXX, XXXX XXXX, XXXX and the last trial payment was made on XXXX XXXX, XXXX. I was told it would take 30 days to process the loan modification once the last trial payment was done. Well we are now at 90 days and 5/3 Bank which is whom I have my loan with still can not tell me what my status is. I have called several times but I am told it's pending. In the mean time, I get mail stating I am delinquent. And I want to make sure I do not lose my home. I have asked to speak to a supervisor, but have not been able to. I have also tried talking to XXXX XXXX at XXXX. She is supposed to my " designated Customer Care Team Specialist '' to no avail. The customer care specialist I did speak to today found it odd, just like the previous two customer care specialist. They have been nice enough to say that they will speak to a supervisor to see if they can get me answers, and that they will call me back. That has not happened yet. Again, I do not want to lose my house and I am not getting any answers but I keep getting mail that I need to act before I lose my home.
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have XXXX mortgages with Fifth Third Bank. I have been making all payments using their online banking system. Today I tried to login and was unable. I tried resetting my password but their website stated that I needed to call. I have called XXXX times without being able to reset my password or regain access. Each time I have connected with a representative, I am told that I need to speak with a different group. During the transfer, a recording says that I am being connected to something like " fraud services department '' before being disconnected or given dial prompts that do not function. I am concerned for the security of my accounts and the initial agents I speak to refuse to help. They continue to insist I need to be transferred despite my explanations that the transfers don't lead anywhere. I don't know what to do. I want to know why my online access was taken away - especially if it was due to security concerns. I also need to login to make my mortgage payments.
Company Response:
State: IL
Zip: 60048
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A