Date Received: 2022-01-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied to refinance an existing mortgage with 5th 3rd Bank on XX/XX/XXXX, and submitted all the documents they requested. These documents included the following : Uniform Loan Application, Form 4506-T, Borrower 's Signature Authorization , Intent to Process, Social Security Income , and Pension Income, W-2 Forms. On XXXX, XXXX, XXXX was notified that Fifth Third needed some information : My most recent personal bank statement, all pages to document receipt and deposits of monthly pension and copy of my IRS XXXX IRS extension, which I did. In XX/XX/XXXX I sent a letter to XXXX XXXX complaining of the delay in processing my application because Fifth Third had lost my documents and delayed receipt of them when mailed registered and return receipt. On XX/XX/XXXX I mailed a letter to XXXX XXXX, President, Fifth Third Bank stating that the letter from his office dated XX/XX/XXXX but postmarked XX/XX/XXXX, in which his office said my application was closed as incomplete on XX/XX/XXXX. In my letter I asked why was my application closed as incomplete on XX/XX/XXXX when on XX/XX/XXXX his office requested additional information all of which I faxed to Fifth Third on XX/XX/XXXX? I stated that : " It is obvious to me that the loan officer looked for baseless reasons for denying refinancing when I have timely complied with all requests for additional information and when I sent duplicate information that was lost at your ( Fith Third ) end. On XX/XX/XXXX I received a letter from Fifth Third in which they stated : " Our decision to deny the loan application stands. Regrettably, we did not receive the required minimum documentation, through no fault of your own, You provided receipts as proof of having mailed the documents, however they never reached the Bank. Lack of required documentation is considered an incomplete application. '' I assert that the reason that Fifth Third denied my refinance application ( they hold the existing mortgage that have been paid on time, no delinquencies are any other problem with payment, my current credit is good to excellent, the loan to house valuation is high ) is because of my race -- XXXX XXXX.
Company Response:
State: VA
Zip: 20191
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I sent XXXX a copy of a letter that was sent to me by XXXX XXXX dated XX/XX/XXXX of XXXX showing that the obligation had been paid off as of XX/XX/XXXX I also submitted documentation to fifth third bank regarding this obligation being cared for through the insurance because the vehicle was totaled there was also gap coverage from the original creditor XXXX to cover the debt fifth third has me in XXXX saying that the account was overdrawn the account was not overdrawn fifth third did not pay out anything and continues to have me in XXXX for XXXX years and the matter has been resolved XXXX will not remove the accusations because fifth third says that it is Valid. Can not reach a representative at fifth third today XX/XX/XXXX have been transferred four times since XXXX XXXX this morning it is now XXXX XXXX and Im requesting assistance to get the matter resolved would like it removed off my credit report
Company Response:
State: OH
Zip: 45224
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: About two weeks ago, I garnered the courage at XXXX to flee an abuse relationship to the opposite side of the country : XXXX XXXX XXXX CA XXXX I got into my car, got onto I-10 and began the 2500 mile drive to a new life. I had no job, no plans, just a few hundreds in savings, a car, and a hope for a better future. I stopped at a XXXX truck stop fueling station in the middle of the night to take a shower in XXXX XXXX, CA, where I later realized I had lost the binder containing all of my credit and debit cards and bank documents. I started reviewing bank statements and apps, soon realizing that my Fifth Third bank card was being used all over the local area it was lost in. I attempted to stop the bleeding by calling XXXX XXXX call center, but found that it is only open from XXXX EST, yielding me no other option than watching almost all of my funds drain by the time the call center finally opened. I called the bank, explained my situation, and was told that I could not receive a new card for three weeks at a minimum, and a provisionally fraud credit was promised within eight days. Its been now two weeks and have received no documents related to my case, no provisional credit, no assistance whatsoever, from the small town bank that I placed my trust in. Im facing some of the darkest days of my transition, and facing default on debts because of the fraud this other individual imposed on my account. Help.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: To Whom It May Concern, I have attempted to resolve this issue via customer contact and supervisors to no avail. This is regarding a credit consolidation issue with 5th3rd bank. I contacted XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX regarding a credit consolidation. The amount of {$3900.00}. XXXX advised a 1-7 days for the transaction to post. I contacted 5th3rd on XX/XX/XXXX as the amount was not posted. The representative advised the process takes 2-4 weeks. I called back to 5h3rd on XX/XX/XXXX which is 4 weeks and was advised there was no transaction. I have called back a total of 8 times and spoke with two supervisors who basically told me this is not their concern as there is nothing to trace. I guess its true that customer service is just dead and I as a consumer need to take action into my own hands as nobody really helps a customer. Here is the details of the " electronic transfer '' from XX/XX/XXXX. XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Amount- {$3900.00}
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have directed deposit and substantial high over draft fees direct deposit would clear sometimes on Tuesday then on Wednesday or later creating more fees
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I tried to follow the response given in complaint CFPB XXXX. I called the number XXXX as directed to try to get my account unfrozen, to try to close the accounts. The number goes to " XXXX XXXX XXXXXXXX XXXX ''. I just want my accounts closed and am not able to do so. This is ridiculous.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I paid off a mortgage with Fifth Third Bank and the pay off was much larger than the principle. A few XXXX was explained but {$6800.00} was sent to their forbearance department and no one there can explain where it went or what for. Today I talked to XXXX who put me on hold and then XXXX picked up who eventually dropped the call. I used their messaging system and XXXX once asked about the {$6800.00} I accidently lost connection with him. I started, just trying to find out what interest I paid in 2021 and after digging had questions and am not getting any answers or help. It is almost like the fraudulently took the money over and above my payoff.
Company Response:
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I inquired into forbearance back in XXXX of XXXX when pandemic started. I called the 53 bank and asked the details about the program. I was told that I can hold of on payments while I am on forbearance. The options going to be to pay off the forbearance amount when I go back to work, put the forbearance amount on the back of the mortgage ( meaning to spread the pay off ) and 3rd option was loan modification. I understood that loan modification would be to reduce the apr rate. In XXXX of XXXX I called the bank to find out if I do qualify for loan modification. I was told that they are not sure how it will work and they will call me. I waited till XXXX of XXXX and called again. After calling numerous times I decided that I need to end this cause I was not getting answers to as how loan modification would work. I called to speak to them to end my forbearance. Finally in XXXX of XXXX I made a full payment of {$9200.00} to end forbearance. After weeks of calling the bank I thought I was finally cleared of forbearance and payments were applied to my account.. I kept paying my mortgage payments on banks website always on first of the month. On XX/XX/XXXX of XXXX, I received a threatening letter from the bank that my loan is in default cause of non payment. They have added almost $ XXXX to my balance and stated that if I dont come up with the amount my house can go into foreclosure. I called the bank immediately to speak to someone. They were not sure why I was on deferral program to pay off balance which I was paying since. It has been almost a month that I have been calling the bank and does not seem anywhere close to resolving the issue. They did take that balance off but added a late payment fee of {$890.00} to my account. I have never been late and their explanation is that I was supposedly late back in XXXX. But those payments were not late cause when they acquired my loan from XXXX bank I did not get the notification and kept paying to XXXX bank. I was on the phone earlier today with loss mitigation department to resolve this matter and no one can answer as to why I was put on deferral program which I did not ask for. I was making payments every month, I hope that CFBP can shed some light into this matter and help me out. I am truly scared that Imit will cost a lot of $ $ to get out of this cause incompetency of the bank. There is no one to speak to that can explain. I hope to hear from you soon
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On Friday XX/XX/2022, I went to make a mortgage payment at my Fifth Third Bank branch at XXXX XXXX XXXX Fl XXXX. I went to the Drive thru to make the payment and the person gave me the wrong change 3 times. At the last exchanged, XXXX XXXX said very rudely that he would not do anything else for me. I noticed that all the coins he sent back were all dark specially the dime. I could not tell if the dime was XXXX because it was so dark that it did not look like a dime. I told him to exchange the dime and he did not do that. He told me to go inside. When I went inside I told him my mother who's XXXX and has an account with them was in the car and I just picked her up from the XXXX because she was very XXXX. That was the reason I used the drive thru. He did not care. Instead he started to argue about sending me the dime and that it was only 2 times he was wrong about the changed. In each time, I was on the drive thru waiting for a long time to make the payment, waiting for all the times they sent out the change wrong and then to give me a hard time about a dime. He never apologized to me even though he knew he made me wait so long and gave me the wrong change each time and still owed me a dime. When I make a mortgage payment the bank requires me to pay for the change and a required them to give me the proper change.
Company Response:
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My wallet and phone was stolen from me. The thief went in my phone and forwarded money from my credit card from a cash advance to herself. I explained that to the company when I was called and questioned about it. However, this debt was still forwarded to collections.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A