Date Received: 2022-01-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Coronavirus pandemic : I entered into Covid assistance forbearance plan w my federally backed loan on XX/XX/XXXX. I had this in place until end of XXXX, XXXX, = 6 mo. I was able to resume payments XX/XX/XXXX. Side note : in XXXX I got vaccinated, ( XXXX a XXXX XXXX, doing homecare treating recovering Covid Pos patients ). My spouse and my XXXX yr old got vaccinated. No problems there. But in XXXX, I did get XXXX XXXX my spouse got XXXX XXXX and my XXXX yr old XXXX got XXXX. Hmmmm.. well bummer, it was like a domino effect.. I HAD TO be off from work for 10 days, my spouse was off from work for around 14 days ( hes not a health care worker, so his work isnt as up to date on the XXXX rules like my place, so they made him take extra time off.. they went by the date of his Positive test, not his onset of symptoms, which is actually the correct way to start counting the 10 day time out ). Either way, we got put behind on our mortgage.. Im the primary breadwinner, so managing myself, our daughter, and my sick spouse put everything behind. I immediately contacted XXXX mortgage, my housing lender and I requested the months of XXXX, XXXX, and possibly XX/XX/XXXX, reprieve because essentially my household was off track at a minimum of XXXX month. I was informed by a customer service XXXX XXXX XX/XX/XXXX that I was approved for a XXXX 3 month extension. One week later, I was contacted by XXXX again, some other customer service rep stating I was Not eligible for XXXX additional months because I had already Used 18 months of their forbearance program??!! What? I only used 6 months in XXXX. After 5-6 very upsetting ph calls to XXXX customer service reps, I was informed that unbeknownst to me : I was continually enrolled in the forbearance program, despite the fact that I started paying in XX/XX/XXXX. So, I basically USED UP ALL MY FORBEARANCE TIME- despite never even knowing that I was enrolled in a program that I wasnt even using. So, I was told, the maximum allowed months that can be used is= 18 months.. which unfortunately expired XX/XX/XXXX, so me asking for assistance in XX/XX/XXXX, was a no go, because 18 months had expired, even tho I only USED 6 months of forbearance total. Ughhhh.. beyond frustrating, and several customer service reps put me on hold to ask their managers, And this is the same story I was told. Hmmmm, makes absolutely no sense to me. I specifically spoke to a 5/3rd rep back when I began to repay the mortgage in XXXX XXXX, and I agreed that : yes, obviously the forbearance period was over.. because thats the reason I began paying again. Why in the world would I still be enrolled in a forbearance monthly program, that I wasnt even using??? The 2 current customer service reps both stated they didnt understand either maybe their understanding isnt correct. Shouldnt an individual have a TOTAL of 18 months ALLOWABLE time to use forbearance? Even if its 6 mo. In XXXX, and 1-3 months in XXXX equals only 9 months forbearance used. Save 9 months that payments are being currently made. Exhausting, totally. I was told to fill out the hardship packet : which we did and emailed to the hardship email at 5/3rd on XX/XX/XXXX. I got 1 ph call back immediately, and was excited that they were reviewing my info. And seeing how ridiculous this whole program is. I was told by 2 customer service reps on XX/XX/XXXX that it would take 7-10 business days to get a call back. Add 10 days we r into XXXX, so I knew everyone was off. Still no call from their Hardship office, but, of course I got 6-7 hard copy letters that we were now Delinquent!!! Of course, why not?!!! So, I called customer service hardship line back, and was told that yes the first 2 pages of my 30 pg request they did Receive, but nothing else. Why I asked, more frustrated than ever. Oh, thats because that email address has been broken now for many, many days..nervous laughter from that poor gal, sounded like she was the only one in that department. Oh my head!!! Wow!! This is my financial institution? The one that holds the lease on my life?? Wow, wow! How dismayed I was. XXXX XXXX, she gave me her personal email, and direct phone line.. and we emailed the XXXX pages again to her. This is where it stands right now, and Im still now behind by a minimum of 2 months at least, and still Not sure if theres any XXXX relief for my mortgage, even after doing everything right. Asking for help right away in XXXX, starting repayment in XXXX, getting vaccinated, supporting my entire family while being a frontline worker and literally exposing myself everyday treating actively positive XXXX patients in their homes, going home and stripping my clothes off and running into my shower so as to not expose my family to XXXX when it all started in XXXX. Andddd this is the help I get? Huh. If this statement can be reviewed by a knowledgeable person who can see how this 18 month program thingy does not make sense ; Id gladly appreciate your insight into it. Or- at least a little reprieve of some sort for my pain and suffering. Ha. Im only asking for 2-3 months of assistance right now. Anyone out there to help? Thanks for listening
Company Response:
State: MI
Zip: 49464
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX, I went to XXXX XXXX XXXX as my lease was about to expire. During the lease buyout I was informed that Fifth Third Bank showed 3 missed payments on my credit report, which otherwise did not have any negative reports. As a result, I was not able to get a good interest rate on my new loan. On XX/XX/XXXX, I entered into a loss mitigation agreement with Fifth Third Bank regarding those 3 missed payments, which payments were placed at the back of the loan. I had co-signed on a car loan for my son, who had lost his job due to COVID-19 and was unable to make the payments. I explained this to Fifth Third Bank, which resulted in this agreement. I did not know that these missed payments were reported to the credit reporting agencies and would have disputed it earlier had I known. I called Fifth Third Bank on XX/XX/XXXX and they were not willing to fix the issue and basically said there was nothing they could do and to submit a complaint with ftc.gov.
Company Response:
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a text message from XXXX bank telling me that my account had suspicious activity of XXXX. There was a link to click on to fix this problem. When I tried to call the phone number it went to voice-mail so I went to the web address given and it looks like a XXXX website, however, you can not proceed to any site function via site navigation without inputting your personal password/code and account information, ie account numbers, social security number, etc... I sent this to XXXX fraud department and to an antiphising department for fraud/theft. I am now reporting it to you. I hope you are able to locate these criminals before they steal any money or get any personal information to ruin others credit worthiness or banking information. I am enclosing a screenshot of the text and my personal information so you can contact me further if need be.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2021, we noticed an {$1800.00} withdrawal from our checking account and then an immediate {$1800.00} deposit. Since we never made these transactions, we went immediately to the local Fifth Third Bank in XXXX, NC, the local branch. After being quizzed a number of times about our whereabouts and banking behaviors, it was determined that someone presenting themselves as XXXX XXXX ( me ) entered a Fifth Third bank in XXXX, Ohio. They tried to cash a check drawn on an account with XXXX XXXX. The branch would not cash the check but told the individual ( s ) that there was money in the account and then gave them a generic withdrawal slip. The bank associate then gave the XXXX our account number. The withdrawal slip was filled out and forged and the money was given to the criminal. We opened up a fraud claim and were told that the money withdrawn would be put back in our account within seven to ten business days. That was just under a month ago. Since then, the check which the employee deposited, which was evidently also fake, was voided so we are out the {$1800.00}. The bank associate here, XXXX XXXX or something is more interested in sparring with me about details and making excuses then he is in resolving the issue. Since we left the local branch on XX/XX/2021, we have not heard word one from XXXX XXXX, nothing. When the {$1800.00} came out causing fees, overdrafts, etc ( which we were told would not happen ), I went back up to the branch and asked for the manager. That person of course was unavailable so 'Sammi XXXX came over to me even though I said I didn't want to deal with him He started sparring with me again, picking a part the details of our initial meeting ( i.e., we were only there for a bit over two hours, not three hours as I had said ). He started up with the same refrain from our first visit, telling me we just need to wait on them, this stuff happens, this takes time, he doesn't have any phone numbers for the corporate office, etc. I told him we had been more than patient, waiting three times longer than we were told to wait and I didn't want to be placated further. He suggested that he had done all he could and tried his best but he still refused to give me another number to call. He said that I need to stop blaming him, he didn't steal our money. I told him I didn't accuse him of stealing it but someone at his bank did and we want it back and we want it back now. We ended up calling the fraud department again ourselves and they admitted that they 'dropped the ball ' and said they would escalate the matter. At this point, I have no faith in this bank. They seem surprised that we are 'so upset ' about their employee draining our checking account a week before XXXX. They don't understand as to what a hardship this has been, how time consuming at our busiest time of the year personally and just how emotionally draining it is. Then to have to deal with this surly oaf 'Sammi XXXX who has done nothing for us and seems to be completely unaware of how to be of any assistance at all, that is just the icing on the cake. I think that Fifth Third has completely mishandled this and I'll go a step further and say that they have likely been complicit in the crime. We didn't remove our money from the account, they did, it was their decision and their doing. Please assist us in getting it back and then initiate a thorough investigation in to this matter.
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I made a purchase on XXXX which they cancelled. They refuse to help as does XXXX. Both told me to contact my bank. My bank is 5/3 and they are unreachable via the phone and no one either locally or on their chat will help me. I have been on hold 4 1/2 hours today.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have had only one credit card and it is paid automatically in full every month on its due date. With no warning my credit limit was lowered from {$30000.00} per month to {$8000.00} and my credit therefore overdrawn. I was refused credit and had to get money from my daughter to buy needed items even the food I purchase by the week during covid, etc. The bank informed me that my credit score with XXXX was only XXXX and therefore Fifth Third could no longer grant me credit limit of {$30000.00} and had no interest in my situation. This was on XXXX XXXX. I immediately contacted XXXX and they told me that my credit score on XX/XX/XXXX was XXXX. I was in the midst of a new loan, XXXX Bank took over XXXX, This became almost a game. XXXX told me my XXXX score on XX/XX/XXXX was XXXX. XXXX told me my score on XX/XX/2021 was XXXX. I was turned down for a home equity loan, My credit limit on my charge card request for a higher limit was refused. The banker said that this was not the reason for the refusal but I do not understand how FifthThird and XXXX could get numbers from XXXX that are not the same as the scores they send to me and I do wonder how to regain my credit.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third Bank Mortgage calls multiple times daily between the 5th and 15th of every month at my office reminding me the mortgage is due. It is never paid late. They are not only harassing me, they are harassing my staff. I want this stopped or Im suing them!
Company Response:
State: KS
Zip: 67037
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a harp loan serviced my Fifth Third Bank. My loan was in forbearance due to covid-19. In XXXX of XXXX, I contacted the Banks home assistance program and made an application for a modification. My balance was {$81000.00} plus my missed payments of approximately {$6000.00}. My payments were XXXX a month. After several months oh, I had heard nothing from the modification Department of Fifth Third Bank. I obtained the number and called for information on my application and was informed that it was proceeding and I needed to make the three trial payments required under the program. I made those payments through an automatic ACH set up by the modification Department to Fifth Third in the amount of {$470.00}. After the 3 months, I received a check from Fifth Third returning one of the payments. At that time I called the modification department and was informed that because I had not made the three payments required that I did not have an application open. Their expert team evaluated my situation and informed me that I was told incorrectly and the ACH for the three payments was done in error. Therefore they would start a new application this was in XX/XX/XXXX. I made payments again but was only required to make two because they cancel that check Fifth Third sent me and used it for a payment. The modification Department did not know where the other two payments went or would not tell me what or where the money went. Near the end of XX/XX/XXXX I inquire about the closing of my modification loan and was told no hurry they were doing calculations and it wouldn't be finalized soon and I would get documents in the mail. I asked if I should send another payment and they said no. By the end of XXXX I had not received anything and I called again and was told that I needed active flood insurance. My flood insurance had been forced placed by the bank for several years because I could not afford FEMA amount they charged at {$3800.00} a year. I called the flood insurance department of Fifth Third regarding my flood insurance and was emailed documentation that my coverage was through XX/XX/XXXX. I had received a cancellation letter dated XX/XX/XXXX but it was late reaching me. So the flood Department email me documentation of coverage and informed me that at the time the XXXX closing of my modification was to take place that I was fully covered. There is much confusion and modification Department of Fifth Third and they could not or would not obtain the proof of flood insurance. However, they did send me a letter stating that I needed to provide flood insurance coverage proof by XX/XX/XXXX and if I did not know that foreclosure procedures would begin. Due to the error in their instructions about the first three month trial. Of payments in my first application, my modification refinance has been delayed many months. Now the second application has been delayed due to lapse of flood insurance which was fifth third 's fault. I am facing foreclosure proceedings on XX/XX/XXXX and I have begged for assistance from Fifth Third Bank to take care of this matter and I have not received any written communication or phone calls providing me any information regarding my second application. My workers name is XXXX XXXX. I had emailed her the proof of flood insurance provided by Fifth third 's insurance department because she could not obtain it. I do not know what to do next. I had written a letter to the senior vice president, XXXX XXXX and plan to mail it tomorrow register mail. I have requested that he look into the matter and stop the Foreclosure which was brought on by Fifth third 's error. I have made five payments since I first applied in XX/XX/XXXX. They have not provided me with information about my options, documentation of anything they have processed with regard to my applications,. The only thing I have received is the other branch of Fifth Third mortgage department requesting the amount past due of {$10000.00} which I do not have to pay due to the covid hardship. I am going to try to get a loan on my vehicle which is fully paid and try to pay this amount. I have decent fair credit score and that's XXXX and for a low-income retired state worker that's pretty good. I have never been late or missed a mortgage payment since XXXX. I had been treated unfairly by Fifth Third oh, they have deliberately withheld information from me, they have failed to inform me of my options under the cares act stimulus covid-19 forbearance and refinance modification mortgage. Fifth Third has displayed to me their intent to stall and get rid of my mortgage and foreclosed on my home deliberately. I do hope you forward this and try to help me. I am XXXX XXXX XXXX on Social Security and State retirement and I qualified for the previous HARP loan and qualify for this new homeowners assistance program modification or refinance due to the covid-19 hardship. Fifth Third has denied me deliberately by not disclosing information, contacting me and keeping me informed, they had put the burden on me and they had messed it up twice. Please help me if you can I found this site online. My name is XXXX XXXX. Fifth Third told me last week I no longer have a mortgage with them to stop calling. The modification unit under the homeowners assistance program tells me calculations are being made sit tight it will be finished soon however they have been telling me that since XX/XX/XXXX. I am going to lose my home and that is wrong for Fifth Third to treat me this way.
Company Response:
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: For months on end ever since I purchased my band new car back in XXXX, I experienced difficulties getting coupon payment booklets. Not only that, the most important part is I am not able to log in with my credentials to SUBMITT PAYMENTS TO FIFTH 3RD 'S BANK PORTAL! THIS HAS BEEN AN ONGOING PROBLEM FOR OVER TWO MONTHS NOW AND STILL NOT RESOVLED. I HAVE A MASTER 'S DEGREE IN ENGINEERING WITH TWO UNDERGRADUATE DEGREES, ONE IN MATHEMATICS, THE OTHER IN COMPUTER SCIENCE. These people are deliberate preventing me from logging into the Portal to submit payment. Everytime I call for help, I keep getting there phone automated system such that the ask me for account information or SS #. I provide my SS # everytime and they can not verify and validate my identity. Its completely ridiculous they are doing this ; my auto loan with XXXX XXXX was never a problem, my two other Auto Loans with XXXX XXXX XXXX XXXX has not ever been a problem. However, Fifth 3rd Bank does not allow me to provide my correct login credentials.
Company Response:
State: MO
Zip: 65201
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Dear Madam/Sir, Thank you! I have a mortgage in FIFTH THIRD BANK ( www.53.com ), the mortgage loan account is XXXX. I already paid the full mortgage on XX/XX/XXXX, but the FIFTH THIRD BANK don't report the title company. So I get a lien on my house title, I cant trade normally, its very urgent. On XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website, just ask for a paid in full letter mail and fax to me. The agent of the FIFTH THIRD BANK said they will mail and fax me two busniess days, but they did not. After two busniess days, on XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website again, they also said they will mail and fax me two busniess days, but they still did not. On XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website, The agent of the FIFTH THIRD BANK said they will mail and fax me one busniess day, but they still did not. How can I get my paid in full letter?
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A