Date Received: 2021-10-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 I found a charge on my debit account for {$39.00} from XXXX XXXX in XXXX XXXX Fl. I called the number on my statement and it was disconnected. I called 5/3 bank to report it. Customer Service rep said she needed to shut my card down. I asked why I let her know the number was disconnected. I was put on hold and she came back to repeat to me what I had just told her. I needed my card and requested it to be sent next day air. I paid {$30.00} to receive in 1 to 2 days. It arrived 4 days later. When the card came I accidentally cut the new card up. I called 5/3rd and requested a new card, I also requested it to be sent out 2nd day air at N/C because I payed for my last card and it took 4 days. The rep said the card number would be the same as the card I threw out. The card came 6 days later with a different number. I had already given the new number to XXXX, not knowing it was wrong. Meanwhile my bill was not being paid due to the wrong card number. It took a few weeks to find out that my account was behind. I called XXXX to let them know what happened, they took the new number. XXXX sent me an e-mail was going to charge me for all my XXXX XXXX which totaled {$780.00}. When they tried to charge {$6.00} and 5/3rd closed my card down calling the charge suspicious.. The grace they had given me was no longer being forgiven since this was the 3rd time the card failed. I went to the bank this time and another service rep told me it was my fault, that I needed to call the bank and let them know it was an approved. 3 weeks had gone by and my cable was going to be shut off, my storage unit was not paid. 5/3rd had just recently paid XXXX to a non-existent company without question, but called a XXXX suspicious to a company XXXX who Ive been doing business with for years. They have cost me not only an embarrassing situation, but if XXXX doesnt give me a needed break, my account will overdraw and 5/3rd will charge me {$37.00} per transaction. I have called the bank almost every day waited on hold for hours to have nothing done for me. There will be more calls from other companies as the card denies the transactions. My checking account was turned into an express account?? When I told the rep what was wrong, I was told thats the way it is. XXXX finally got a rep on the phone who listens and within 5 min had my checking account put back correctly, and my actual XXXX account was also back. It was just to late to stop what I am going through now. 5/3rd customer service listening skills are 0. I was put on hold, told things to me that were not true. I do not have the funds to pay XXXX and my rent. I need 5/3rd to do something for me. I had XXXX XXXX XXXX in XXXX and this stress is dangerous for me. The hard part is none of it was necessary. I amXXXX yrs old and I dont do not need to be dismissed by anyone. To me customer service is not trained to listen and at times rude. I am trying to change banks just need to make sure my Social Security check is transferred to the new bank on time.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third refuses to provide me the original note and original deed of trust, as they are required to since my mortgage is paid off.
Company Response:
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2021 I went into 5/3 Bank because after several online attempts no one can help me get setup to pay my mortgage online. The Banker was helpful and got me futher than others. I couldn't retrieve documents and I shouldn't have to drive to pay my bills. When I got home I called for support. The XXXX XXXX, person asked me to call customer service.. I waited an hour for a return call. The guy ( customer service ) put me back in loop for a mortgage professional. I hung up because it's a long wait. This is customer abuse. My husband XXXX XXXX died XX/XX/2021. I am still grieving my loss. I am the successor and need to access documents and pay the mortgage online. No one is correcting this online problem. I had to bill pay with my bank. 5/3 don't have electronic means which delays posting and charges a late fee. I am very frustrated with their service. I believe XXXX I paid late fee thinking it was late, it wasn't. I should have a credit.
Company Response:
State: FL
Zip: 32221
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Hello I XXXX XXXX have been dealing with a dispute at fifth third bank of $ XXXX. They closed my account and made it $ XXXX making my bank credit look bad. They told me I dont owe that but if its negative it reflects different
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My husband and I were in a forebearance program from XX/XX/XXXX to XX/XX/XXXX. We started making payments again in XX/XX/XXXX. We made XXXX and XXXX payments. We opted to defer our missed payments to the end of our loan. Well after making our XXXX and XXXX payments we were informed by 5/3 that the payment deferral agreement wasnt in effect yet. It didnt become effective until XXXX XXXX. So 5/3 applied the XXXX and XXXX payments to XXXX and XXXX. So we resumed making payments again in XX/XX/XXXX. We made XXXX, XXXX, and XXXX payments. Then on XX/XX/XXXX, 5/3 reversed XXXX, XXXX, XXXX, XXXX, and XXXX payments. 5/3 claimed that our payment deferral agreement wasnt in effect even tho we have a letter stating otherwise. I find it ironic that they started reversing our payments in XXXX after they were notified that we were trying to get refinanced with a mortgage company. So after reversing the 5 mortgage payments we made, 5/3 then reported us to XXXX as missing payments and delinquent on our loan. It dropped our credit scores 43 points. And that could very well cost us the ability to refinance our mortgage.
Company Response:
State: IN
Zip: 46143
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I HAVE AN ADJUSTABLE RATE MORTGAGE ( ARM ) THAT RESET ON XX/XX/XXXX. THE LENDER, FIFTH THIRD MORTGAGE ONLY PROVIDED ME WITH A 1 PAGE DOCUMENT STATING THE NEW RATE & MONTHLY PAYMENT. I CONTACTED THEM TWICE REQUESTING ADDITIONAL DOCUMENTATION, SUCH AS AN AMORTIZATION SCHEDULE, AND WAS FIRST TOLD THAT THEY COULD NOT PROVIDE IT. WAS THEN TOLD IT WOULD BE MAILED TO ME ON XX/XX/XXXX & HAVE NEVER RECEIVED IT. THE PAYMENT QUOTED ON THEIR DOCUMENT DOESN'T APPEAR TO BE CORRECT. BASED ON THE OUTSTANDING PRINCIPAL BALANCE OF {$81000.00} WITH A RATE OF 2.5 %, THE PAYMENT SHOULD BE CONSIDERABLY LOWER THAN QUOTED ACCORDING TO A STANDARD 30 YR. MORTGAGE CALCULATOR. I AM UNCERTAIN AS TO HOW THEY ARRIVED AT THEIR FIGURES. I ALSO AM UNSURE AS TO HOW & WHETHER MY MONTHLY PAYMENST ARE BEING APPLIED AGAINST THE OUTSTANDING PRINCIPAL BALANCE. UNDER THE TRUTH IN LENDING DISCLOSURE ACT THEY ARE REQUIRED TO PROVIDE ME WITH DETAILS OF ALL FINANCE CHARGES, PAYMENT SCHEDULE, TOTAL OF PAYMENTS & ANY OTHER PERTINENT INFORMATION, THEY HAVE NOT. THEY ARE IN VIOLATION OF THE TRUTH IN LENDIGN DISCLOSURE ACT & SHOULD PROVIDE ME WITH ALL THE REQUIRED DOCUMENTATION UNDER THE LAW. I SHOULD NOT BE UNAWARE OR UNINFORMED ABOUT HOW MY MORTGAGE WAS CALCULATED OR HOW PAYMENTS ARE BEING APPLIED.
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third Bank was the servicer of my mortgage. My mortgage loan was paid off in XX/XX/2021. However, Fifth Third Bank has not filed a full reconveyance and has refused to provide me with the original note and deed of trust.
Company Response:
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Received a threatening voicemail from XXXX XXXX XXXX XXXX, so I returned the call and they stated that they were going to sue me and garnish my wages if I did not pay {$1200.00} that day over the phone with a credit card. When I asked what the debt was, they claimed it was from a bank account ( 5/3 Bank ) that I had closed nearly 15 years ago and the peculiar thing was they claimed it was for charges that hit the account after I closed it, which is impossible, because the reason I closed the account was because the bank would NOT allow any charges to be paid by them unless the money was IN my account. I didn't sign up with 5/3 Bank, they bought out XXXX XXXX, which is the bank I opened the account with and XXXX XXXX would cover ( extremely rare ) overdrafts for a fee and collect the balance from my direct deposits from work. Furthermore, there is no way that my account COULD have been overdrawn by {$1200.00}, because none of my monthly expenses all together amounted to that much in those days ( still don't,15 years later-including my rent, utilities, car payment and credit cards ). I did not believe I owed the debt, so I asked XXXX XXXX to send me some documentation to confirm before I agreed to make any payments. She claimed to have sent 4 emails to my email address, but I never got any of those either ( she also claimed they sent me numerous letters, which I never received ). I even called her back to let her know I wasn't receiving the email and asked her to please send me a letter via US mail and that I would call her back to set up arrangements once I knew it wasn't a scam. I was following the advice I read on the FTC website. Instead, I received a litigation letter with an additional {$2000.00} added to what they wanted me to pay ( lawyer fees ), so I called back to say that I still had never received verification that this was a legitimate debt and that I just wanted to verify that it wasn't just another phone scam. I have seen numerous complaints against this law firm, XXXX XXXX specifically, so I am still not sure this is on the level. Despite the fact, I called back to see if I could make arrangements to pay and she kept putting me on hold, PRETENDING to be talking to someone that would give her permission to " wave the attorney fees '' if I could pay the full {$1200.00} today. I explained to her that I could not afford to pay that today, but if she'd let me do it in payments I would. So then she said she could break it up into 3 payments, but I would have to pay the full {$3200.00} if she did that. XXXX XXXX is a rude and viscous woman who did not make any attempt to work with me on coming to a reasonable agreement that I could afford to pay. I do not understand why, if this debt has been waiting 15 years to get paid, why it would have been a big deal to spread out the payments more, so I could afford to pay them. Instead, she just got snotty and told me they were going to garnish my wages and hung up on me. I did the math, they are going to get less money from me and it is going to take longer, garnishing my wages, than it would have if she would have just TRIED to make a reasonable arrangement that I could afford to pay. In my opinion, this is AWFUL business practices that only seems to serve XXXX XXXX 's power trip.
Company Response:
State: MI
Zip: 48911
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: To whom it may concern, I have a problem with my bank. The bank is called Fifth Third Bank and they are located at XXXX XXXX, XXXX XXXX, XXXX, Illinois XXXX and phone # XXXX XXXX XXXX XXXX. My problem started when I went to the bank around the day that I get paid from work which was on the week of XX/XX/XXXX. I asked the teller to transfer {$800.00} from my checking account to my savings account {$800.00}. I asked for the receipt of the transaction and she did not give me one and she wrote down the balance of my savings account balance which came at {$3000.00}. Friday, XX/XX/2021, I received an email from my loan officer saying that they need bank statements of checking account and savings account. ( Im planning to buy a condo, but who knows now? ) I went to the bank on XX/XX/2021 requesting my bank statements that have been requested by the loan officer. I went to the teller who helped me the last time with the {$800.00} transaction and I requested copies of my bank statements from the saving and checking account ( she was surprised to see me and you could see it in her eyes ). When I asked her for the copies of my accounts she said that the printers are not working. She refer to a loan officer of the bank and I think her name was XXXX. I went to the XXXX office so she could print of my bank statements. I received the bank statements from XXXX and I noticed that my savings account did show the {$800.00} that was deposited into my savings account. I told XXXX that {$800.00} is missing from my savings account and she asked for my SS # and she was able to look at my account profile. She told me that the I requested to transfer the {$800.00} to my credit card account. I told her it those not make sense because I do not have a credit card account with 53bank. She printed some paper and left office to talk to the teller. She went and talk to the teller and she confirmed that I requested to transfer from my checking account to my 53bank credit card of {$800.00}. I told her why would I do that I do not have a 53th bank credit card. XXXX, the loan officer said I would look into it. I then told her that I want to speak to your manager and she said the manager was not working today. She said it was just the teller and her. After that she gave the business card of XXXX XXXX and she wrote down her name in the business card as well. As I was leaving the bank on Saturday, XX/XX/2021, I explained the situation of what was going on to my sister and another person that was coming out from the bank heard my conversation with my sister. He said that he also has been having issues of missing money into his account when he is depositing money with the same teller of my {$800.00} transaction missing with the same teller. He told me that he complained to the bank about his problem with the teller and he told 53th bank about it and nothing about it was done and nothing was done and that he lost his money as well XXXX did not get that persons name that explained his problem to me with the same teller, but we did exchange phone numbers and his phone number is XXXX XXXX. ( Makes you wonder how much money that teller has robbed from customers or from the elderly or maybe it was a simple mistake by the teller ). I normally would not involved the FDIC but I just do not want to be ignored like the gentlemen that had the same problem with the same teller and we only got to exchange phone #. I need my savings account to show that I had {$3000.00}. XXXX and on the same day I did asked to transfer {$90.00} from my savings account to my checking account. The balance on my account should be {$2900.00} and as of today the balance is {$2100.00}. I need to show the balance of {$3000.00} so I could do my closing on my condo on Thursday, XX/XX/XXXX XXXX addition, I normally would wait to put my money back into my account but on this situation I cant wait. It was not my error! I normally would not involved the FDIC but I just do not want to be ignored like the gentlemen that had the same problem with the teller and we only got to exchange phone #. I am so mad and this happens when you trust people and give them the benefit. Please help put my money into my savings account!!!!!! XXXX The next email that i sent to the bank manager which was today : I noticed that my account now shows the balance of {$2100.00} and thanks whoever help in this matter. I still have a problem and I was looking at my savings account statement and I agree with the withdrawals of that account. i am still missing money from my savings account and I made three deposits which show only two deposits in my savings account. Again, that same teller was the one that I have issues with my deposit that is missing for {$400.00} from my savings account. She explained to me that I could let her know verbally on the transaction. i did asked for receipt and she did not give me one because she said we did it verbally. I have been with 53bank for some many years and I never had an issue with 53bank until this teller started helping me. Please check on how long I have been a customer at 53bank. She did something that I did not like and she enrolled me in a program if you get direct deposit you could now received your check on Thursday instead of Friday. I said to her, '' i did not want to enroll in that program '' and she did not listen to me and she still enrolled me that program. Please check on your side of your software when she enrolled me. I wont add FDIC in this email and I would add them in the next email or forward this email.. Please put my {$400.00} into my account. I am asking of what is mine and I could have said I am missing {$700.00} or {$900.00}. I just want what is mine. I guessed the teller got confident when she removed {$400.00} the first time and thought I was not going to notice the {$400.00} from my savings account. I did not noticed that until the {$800.00} went missing. She had the XXXX to removed the {$800.00} from my savings account. Her thinking, fooled I got him already for {$400.00} now let me get him for {$800.00}. The domino effect of XXXX the teller. : Checked on my records on Monday, XXXX I had to call the XXXX number of 53 bank to explained to them canceled my automatic withdraw payment that is schedule for XXXX XXXX I could not pay my car note this Friday to XXXX. Because when I talked to XXXX on Saturday, XX/XX/XXXX, she explained to me that it might take more than seven days to get back my {$800.00}. If would had known that the money was going to be replace right away on Monday. i would had not call XXXX about rescheduling my car note payment and now I got paid a late fee because of the XXXX teller and I had to call 53bank to cancel my automatic payment for this Friday. Which 53bank charged me to canceled the automatic payment for fee which I might not have enough money to cover the fee and thats what the person said to me when talking over the phone to the people of 53bank. Please return my {$400.00} and the fee that I will get charge for requesting the cancelation of the automatic payment of XXXX. I can not believe I have to go through this and explained myself to a bank that I never had a problem Until that XXXX teller kept removing my money. I never had a problem with the other tellers and they always gave me transaction receipts that i made with them. Please return my money back of {$400.00} and what ever the fee will be to canceled the automatic payment that I did with 53bank.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been following very closely the activities of my mortgagee, 5/3 Bank. After I complaint about them in regards to the handling of my mortgage deferment, and more than 10 phone calls, the case was finally solved. I tried to set up auto-pay and log in into my online banking account. To my surprise, 5/3 reinstated two Equity Lines in my name and started reporting since XX/XX/XXXX. I am attaching the statements of these accounts. The first Equity line of credit account number ending in XXXX is said to have started XX/XX/XXXX, and has a balance of {$11000.00}, no information on next payment amount and a payoff amount of {$19000.00} The second Equity Line of credit account number XXXX states that the account was started XX/XX/XXXX and has a balance of {$25000.00}, no information on next payment amount and a pay-off amount of {$43000.00}. Please note that I filed bankruptcy in XXXX and requested a loan modification to retain my residence. Any debts associated with my property at XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX were consolidated in a new mortgage loan # XXXX. According to the XXXX website attached statement, the balance due in this account is {$110000.00}. However, the account shown in their Loansolutionscenter.com shows a balance of {$130000.00}, as shown in the attached statement. I called their Customer Service department and I was transferred 6 times. I was on hold for more than two hours between transfers talking to one person and then another, who will continue transferring me to someone else. One of their agents told me that they could see that my bankruptcy case was discharged in XXXX and the accounts were discharged. She could not explain why the accounts appear as active now and were started to be reported in XX/XX/XXXX. I was forced to file bankruptcy Chp. XXXX in XXXX which was discharged XX/XX/XXXX. I am attaching a copy of the discharge. None of the Equity Lines of Credit should be showing in my account, and the mortgage balance should show the correct amount after the deferred amount was added. I want the Equity Lines to disappear from my account and the mortgage loan to show the correct amount.
Company Response:
State: OH
Zip: 43231
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A