Date Received: 2021-12-19
Issue: Can't contact lender or servicer
Subissue:
Consumer Complaint: On XXXX XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX. They facilitated a loan from Fifth Third Bank for XXXX dollars. Since then I don't know my loan amount number, I've not been sent a contract or any paper work. I've seen nothing, I don't even know the balance on the account. It is mpossible to contact Fifth Third bank. I have called, emailed and written ; they do not respond. In the last week alone I've called everyday and spent at least thirty minutes on hold each day. Calling multiple numbers and branches and no one picks up. The only time contact is made is when they call to collect a past due balance plus late fees. Late fees the bank causes because it's been impossible to make on time payments due to their refusal to communicate. When they call they never leave voice mails, so I have to hope I don't miss the call. The attached pictures are the only information I have of the loan.
Company Response:
State: CA
Zip: 92104
Submitted Via: Web
Date Sent: 2021-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I was trying to close an account with 53rd bank. I sent a closure email to find out how and received no response. I then just tried to transfer the money out to force closure of both my savings and checking account. On roughly XX/XX/XXXX I started the transfers from XXXX to chase. On XX/XX/XXXX I received 2 emails from XXXX stating the transfers had been stooped for review ( Item # : XXXX Amount : {$1300.00} From : XXXX To : XXXX XXXX, Checking XXXXXXXXXX ) ( reasons. ********************************************* Item # : XXXX Amount : {$30.00} From : XXXX To : XXXX XXXX, Checking XXXX ********************************************* ). I was at that point locked out of my account. I emailed the account back asking for an update and received auto message saying no response would be given but that this would help the investigation. It is still locked.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After solving my former problems regarding the accurate monthly payment amount and learning that the monthly payment due was {$960.00} I set up auto pay in XXXX of XXXX and was told that the first deduction will take place on XX/XX/XXXX. I mailed the XXXX payment and I called the bank at the end of XXXX to make sure the autopay was properly set for the amount of {$960.00}. I was told by Autopay customer service that everything was fine and that the amount of {$960.00} will be deducted on XX/XX/XXXX. XXXX. When I checked my bank statement on XX/XX/XXXX I realized that instead of the regular monthly payment of {$960.00}, Fifth Third Bank Autopay had bill my account for {$1900.00}. I am enclosing a picture of the screen showing the deduction of {$960.00} for the monthly payment plus {$940.00} labeled " curtailment '' I never agreed to a " curtailment '' payment on top of my monthly payment. This deduction is placing me in as situation XXXX XXXX for the rest of the month. I have been trying to talk to 5/3 bank for the last two hours. The Autopay department never took the call after holding 20 mts, the Dispute department told me they could not do anything about this and referred the call supposedly to the mortgage department. I have been on hold for more than one hour and have not been able to talk to anyone. I want the {$940.00} curtailment payment back into my account. If Fifth Third Bank is unable to keep is commitment and promises to bill only for the monthly payment due, I will be forced cancel this feature. I am more than fed up with Fifth Third Bank. It seems that every month I have to experience some type of fraudulent behavior or am subjected to some type of XXXX XXXX that always ends up with me losing and they trying to take money that they are not supposed to take. Again, I need the curtailment money they took right now. For XXXX 's sake, it is XXXX and have lots of bills to pay!!!!!!!!!!!!!!!!!!!!!
Company Response:
State: OH
Zip: 43231
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/XXXX the amount of {$23000.00} was wired to our account from the sale of our house. We were informed that we would have our money Monday XXXX XX/XX/XXXX. Was not there. Call them Monday and was told that we would have it Tuesday. Tuesday called again was told Wednesday. Wednesday called again and was told Friday. After spending several hours on the phone with several XXXX XXXX people of the wire transfer dept. We are just getting the run around. This is not right!!!!!!! We are in a hardship. WE NEED OUR MONEY! My family is sick, there are some things that I needed to order as soon as our money became available on Monday morning, but that did not happen. Plus we need our money in order to move. It is not right that Fifth Third bank is holding on to our money so that they can collect free interest on it for however long they decide to keep it from us. It is our money they have no right to hold onto it. This XXXX that they do must be stopped. We had been informed that when money is wired it is usually available in about 2 hours. Well it has been a full three business days and they are still enjoying keeping our money.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: My wife called the branch closet to my home on XX/XX/XXXX and asked about doing an international wire transfer. The banker who answered the phone told her she would need the XXXX code and account number of the recipient and a state ID and scheduled her for a lunchtime appointment. My wife arrived at the bank and the Banker helped her right away. she gave him the information that was requested and he could not get the wire to initiate. He said he would need the recipient banks swift code, my wife called me and I immediately provided the code. The banker was able to process the transfer with that information. He said the wire would take a few hours to process and funds should be available the next day at the latest. I know sometimes these processes take a little longer than intended so I was not surprised when the funds were not received on XXXX. However, when the money had not been transferred by XXXX I knew something was wrong. This is when my nightmare began and I still 16 days later have no idea where my money is and it seems nobody at the bank does either. You can see an exact to date timeline below of our many interactions with the bank. In addition we have incurred over a {$100.00} dollars in international. fees calling the recipient bank asking questions that Fifth Third said were needed and they still cant even tell me where my money is. Timeline : XX/XX/XXXX : Sent wire; was told it would take a few hours. XXXX : called the branch because the money had not arrived in our international account. Was informed it could take 2-3 business days and to call the next day if I had not received the funds. XXXX : called the branch and was told that the bank technically had until the EOB that day to have the money in the account and to call back Monday to have a trace put on if the money had not arrived. XXXX : called the branch to inform them the money is still not available and was told they would initiate a trace to locate the money but it could take 5 business days to resolve the issue. XXXX : called the branch and spoke to the manager who filed a trace ( I guess the trace was not filed/couldnt be filed as I was told on XXXX ). Manager advised me that he would continue to follow up with the wire room and provided me with the number to call them directly. Called the number provided by the manager and after being transferred several times and XXXX minutes later I was disconnected. Called back and after another exhausting transfer session that took an hour I was told they could not help me to call the dispute team. XXXX : Called the dispute team and after only one transfer and XXXX minutes I was told this was a regulation XXXX issue and therefore that team could not help me. Called the wire room again and was transferred several times before being disconnected. Called the branch and was advised that they would have the manager and or banker call me back because there were no new notes on my file. Manager called me back and informed me that the trace on the wire but they had 5 business days to get a response. I explained I understood that but I need my money. Manager advised me to call customer service and that he would let me know if he heard anything. XXXX : Called customer service and they said a trace has been placed but we have to wait for the information to come in and once it does the money will be returned to my account. Called the branch after XXXX and the banker said there is nothing on the file but that they technically have 5 business days to give an answer and there is not clear reason why the transfer did not occur but he would follow up and let me know if he found anything out. He said all he knew if the money made it to the intermediary bank in New York. XX/XX/XXXX : called the branch and was informed they were busy would have the manager call me back, which he did but he had no information. He said he would reach out to the banker and get back with me. Called the bank twice and left messages for him to call me back. XX/XX/XXXX : visited the branch to see the manager who had someone in his office. The banker offered to help and called the wire team and was told technically they did not have to provide a response to us until Tuesday as thats when there business day clock starts ticking. Then we can begin the process of recalling the money which will take at least another 5 business days. XX/XX/XXXX : Spoke to the manager and banker multiple times as they tried to assist with going back and forth with the CCT, Disputes and Wire Teams, the manager advised that the records show the recipient bank received the money on XX/XX/XXXX ; called the bank in XXXX and they searched but did not find the money and have not received it they asked for information to identify the wire and I then reached back out to the manager to let him know they have no record of receiving the transfer and asked him to get me any identifying information so I can provide it. The Manager said he was told disputes could do 2 more traces to see if they can find the money. I told him if they could not find the money in 5 days I did not think additional time would help and I just want my money back. Spoke to the wire/disputes team and was advised they should have an answer by the end of the day. XX/XX/XXXX : Called and spoke to disputes/wire team and there was no update except they could do 2 more traces and had to wait for the data from yesterday to be pulled and see if there is an update for my case. I advised I do not want more traces I need my money back. Called the branch and asked that they update their records that I want the money recalled. XX/XX/XXXX : Called the bank and was told there were notes for the recall but they weren't sure if it could be processed or when but to allow them 90 days.
Company Response:
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Me and my wife was approved for a XXXX loan with 5th 3rd bank on XX/XX/2021. After that we was on a house hunt that lasted until XX/XX/XXXX, we submitted our offer and the owners accepted the offer. After that we scheduled an inspection. The inspector came out Monday XX/XX/XXXX we paid him for his work. We also gave a check for the XXXX money deposit to the title company that same day. Between the dates of XX/XX/XXXX and XX/XX/XXXX we filled out a lot of paperwork and paid an XXXX fee for {$390.00}. XX/XX/XXXX we received a appraisal for the home. Our close date was XX/XX/XXXX. We did everything we was asked to do, I got a quote from the insurance company, we gave bank statements multiple times, filled out more paperwork. We gave all they needed but it was always more that they forgot that we needed. So we missed the first closing date. Next date XX/XX/XXXX, had to pay all taxes on current home I own out right, for some reason, but I did that as well. Had to submit multiple letters of explanation, did all of that as well. We did everything they needed everything. Now today I get a call saying they cant do anything for me because I was given a loan to fix my primary home from XXXX a government company. I live in zip code XXXX that area was in a state of emergency XX/XX/2021 due to floods this year my basement flooded almost to the second floor. Needless to say the home was heavily damaged and needed serious repair. I fixed the house with money we had for savings to buy us a new home in the future. When I found out about the sba loan we applied and was immediately accepted once they seen the home. That money was to replace some of the money we lost in savings. Due to the Sensitive nature of the situation this should not be something that hold us back in this loan process. It took them until XX/XX/2021 to tell me this. Communication was non-existence. They have been going over this paperwork multiple times and it was even audited. I can not understand how everything was good but now its not. This company is by far the worst I have ever dealt with. The online reviews of this company says it all. 1 star out of 5, what a joke. The attach files is the reason that I am not able to get the FHA.
Company Response:
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: COULD NOT OPEN AN ACCOUNT AT FIFTH THIRD BECAUSE ACCOUNT WAS FLAGGED FOR NO KNOWLEDGEABLE REASON
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I need to start with some background before jumping into the problem for you to get the magnitude of this issue. My mortgage was sold to a different bank from MB financial to Fifth Third Bank approx 3 years ago. During those three years, I filed for bankruptcy due do my health issues and credit debt and have been intensely working with my attorney and trustee to not miss a single payment and stay on track. I have since XX/XX/XXXX with confirmation numbers of each transaction for each mortgage payment. Also working my XXXX off to do so with everything that's going on in the world. Since I'm near the end of my XXXX XXXX, I saw I've completely paid Fifth Third Bank my past dues that they settled a certain amount approx XXXX in court XXXX. I received an escrow surplus statement saying I have a surplus in my account of {$2400.00} and I should receive in about a week, IF my payments are up to date. Excitedly I called to make sure everything was Kosher with my account. Come to find out, nothing was kosher about it. They said I was in forbearance which was not to anyone elses knowledge because I havent paid any payments. I indeed did pay but XXXX cents less. I let them know my handicapped situation and apologized for my error. They decided to audit my account to apply payments and see what I owed become on other months I paid XXXX $ more. I know now that was wrong and I now pay to the very penny the statement says my mortgage payment should be. {$920.00} and some change. The audit took two months because they haven't applied my bankruptcy payments or my regular mortgage payments. After the two months, XXXX reports back that its done and I'm two months of no payment. I said OK can you tell me which two months are showing up as unpaid and he said he could not that he could only tell me it was done and that someone would be in touch with me. This is when I started documenting everything to my bankruptcy attorney who can not get a reply from their attorney. They have been withholding my escrow surplus check in a phantom account and will not provide me any information about it. In XX/XX/XXXX they sent me a statement that had so many errors it wouldn't be possible to be like a thousands of dollars in payment and a negative bankruptcy balance. XX/XX/XXXX i received an " escrow surplus check '' of {$540.00} which was 1/4 of the original payment. I call to dispute this as well. They said there was an open case and that my account had hundreds of notes. Im concerned this is messing with my bankruptcy and my XXXX XXXX and XXXX and XXXX has dramatically increased which means more flare ups and doctors for me. I've been completely defeated by this company. They then told me that the XXXX was my escrow check because the did a re-analysis not to my knowledge and can not provide me documents on that as well. They said they took the other money to pay the " shortage '' they couldn't prove to me and allow me to check my documents and confirmation numbers. They never wanted them once actually. They have yet to show any physical paper or email document of what they did. My account has countless " unapplied '' credits from my trustee and they won't apply them until they create the full payment which is bogus because he can send diff dollar amounts each month depending on how the money flows with the trustee. I'm ready to take further action for the unnecessary distress this has had on me, my psyche and well being. My finances are in shambles right now and no one can provide any documentation of my account. i have not a clue of where my money is or how it is handled. I have over 30 phone calls some over an hour long. I also have countless messages of trying to get this situated since XX/XX/XXXX. They have actually mocked me and dismissed me virtually and on the phone and I do not want this to impact my life anymore. Please Help. XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 14624
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear Sir or Madam, XXXX. 5/3 BANK NA Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with 5/3 BANK and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: called fifth third bank for mortgage forbearance around XXXX of 2020. The forbearance plan was initiated but was cancelled shortly after before my mortgage for the month of XXXX was due. Fifth third bank officially cancelled it after I called in. Afterwards I paid my mortgage on time for the next six months until XX/XX/2020. Thats when I called in to initiate covid mortgage forebrance again according to the CARES Act. This time I officially utilized it for 12 months. Fast forward to now its been a year and I have 6 month left on my extension for foreberance since CAREs act stated 18 month total for my situation, and the mortgage servicer confirmed I do qualify for 18 months. While on the phone with their customer service representative they stated I can not have my full 18 months because XX/XX/2020 I called in to start foreberance. They are counting the 6 months gap between XX/XX/2020 to XX/XX/2020 as foreberance taken, even though I wasnt on the the plan becuase it was cancelled and I made all Mortgage payment due on time during that 6 months gap. The customer service also lied on the phone stating they are doing this because its their investors policy. And the investor happens fo be XXXX XXXX which the representative gave me their customer service number. I called XXXX XXXX they have stated they never issued any policies regarding this and they abide by the CARES Act of granting 18 months of forbearance. The above paragraph was from my last complaint. It's still valid. Now I need to my last 3 months of forebearance and fifth third bank has denied it again. I was told it might be possible to get an exception from XXXX XXXX to proceed but I still haven't received any confirmation from fifth third bank.
Company Response:
State: CA
Zip: 95624
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A