Date Received: 2021-10-18
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My wife and I began the process to refinance the loan for our XXXX XXXX XXXX with the Fifth Third Bank. We were had been approved by the loan by our local bank XXXX XXXX XXXX XXXX. My wife was behind in her payments, the Fifth Third made attempts to contact her using my phone number. I advised that my wife was not available and no information was provided for me to pass along as to who had called. I later found out that I am also on the account for the loan but Fifth Third never asked to speak to me. My wife had used the interactive phone system and was advised of the payoff amount plus a {$5.00} per diem. On XX/XX/XXXX - XXXX mailed a check to the Fifth Third Bank. for a total of {$14000.00}. On XX/XX/XXXX - Our Jeep was repossessed at about XXXX. My wife called the Fifth Third later in the morning of XX/XX/XXXX. She was told that the Past due amount was {$1200.00}, Late Fees were {$130.00} and the Repossession fee was {$440.00} for a total of {$2100.00}. My wife was also advised of the name of the company that Fifth Third contracts their repossessions. XXXX XXXX XXXX and she was provided a phone number for them. I called the Fifth Third Bank in the afternoon of XX/XX/XXXX. All of the information provided to my wife was confirmed. I advised the Fifth Third rep that we were in the process of refinancing the vehicle and asked if they had any record of our payment being received. The representative was not able to confirm receipt of the payment from XXXX XXXX. The representative also in my opinion did their best to belittle me and make sure that I knew the repossession was our fault and until they could not believe any comments from us that a payment to payoff the loan was on the way. I called on XX/XX/XXXX to find out if our payment from ( XXXX ) had been received. The representative indicated know and told me we should have had the funds wired to them. I told the representative that their Interactive System had not provided that information. I was also told that as days went by the Fifth Third would continue to add the per diem charge of {$5.00}. I was also advised that nothing could be settled until all fees were paid. A representative also indicated that as of 10 days after the repossession of XX/XX/XXXX our vehicle could be set for auction. I indicated to the representative that better not happen because we had our bank sending a payment to close the loan and that was mailed on XX/XX/XXXX. The representative indicated at this time that the Fifth Third would not delay any further action until the Past Due, Late Fees and the Repossession fee were paid. I called on XX/XX/XXXX in the morning and early afternoon. Both calls were to find out if our payment from XXXX had been received. I was advised no and I was also told again that further action could be taken as of XX/XX/XXXX if payments had not been received. I was told that the payment of {$14000.00} from XXXX would not be enough because of the additional {$5.00} per diem charge being added. After my call to Fifth Third on XX/XX/XXXX, I call XXXX and advised my local bank of the mess going on in regards to now repossessed vehicle. I told ( XXXX ) that the Fifth Third had informed us that we need to pay them {$2100.00}. and asked if we could get a bridge loan of {$1700.00} so that we could stop any further action from Fifth Third. My wife was going to send an additional wire covering the remaining {$440.00}. I call the Fifth Third again on XX/XX/XXXX and asked for the information so that we could wire funds. That information was provided to XXXX and the funds were sent on XX/XX/XXXX. My wife went to her bank in the afternoon of XX/XX/XXXX and setup a wire transfer from her bank- XXXX XXXX XXXX XXXX XXXX for {$440.00}. On XX/XX/XXXX, I called Fifth Third to confirm receipt of the wire transfer from XXXX ( {$1700.00} ). Also at this time the Fifth Third was not showing any receipt of the loan payment from GEM ( {$14000.00} ). Also on XX/XX/XXXX, in the afternoon my wife checked her bank account and we found out that the wire transfer of {$440.00} had been sent back. On XX/XX/XXXX, I called the Fifth Third Bank and was advised that the check from ( XXXX ) had been received and the wire transfer from ( XXXX ) had been received. However, the representative I was speaking too could not tell me how everything was now paid and that the Fifth Third now owed us approximately {$1200.00}. The representative from the Fifth Third Bank was very argumentative and wanted to make sure that the entire situation was our fault. I was just happy that the entire issue was looking like it was coming to a close. The representative I was speaking to didn't like my attempts at confirming the information and they ended the call by hanging up on me. I called back immediately and for the first time since XX/XX/XXXX- I was able to ask questions and get answers without a hassle. I believe I was off the call in five minutes and during that call the representative indicated that the Fifth Third computer system was showing we were now due a refund of approximately {$1200.00}. I asked when I should be seeing in that in the mail. I was advised that I should see it in approximately 7 - 10 days. I felt that was appropriate. I asked to speak to the reps Supervisor and informed the Supervisor of the professionalism that I had just experienced and that it was the first time since my calls started on XX/XX/XXXX. I waited 10 days ( XX/XX/XXXX ) and waited until after XXXX XXXX as our mail is usually delivered by XXXX. We had received no check from the Fifth Third. I called the Fifth Third Bank once again ( XX/XX/XXXX ) and asked if they had indication of the payment being sent out. The representative could find no such indication and apparently spoke to a Supervisor. When the rep came back from speaking with a Supervisor I was then advised that as per Fifth Third Policy- any refund check may not be mailed out for up to 60 days. That would mean that the refund check may not be mailed out until almost the end of XX/XX/XXXX. I asked to speak to a Supervisor and the rep that I was speaking to immediately suggested it might be difficult at this time of day as it was now XXXX. I thought that was interesting because he had just spoken to a Supervisor. ( I have XXXX yrs experience in call center work and know that there is always a Supervisor. They are there to assist with escalated callers ). The rep transferred me to a Supervisor after sometime. I explained the situation now that the Fifth Third Bank was creating for me personally because we had to get a bridge loan from our local bank ( XXXX ) to help satisfy all the financial requirements from Fifth Third... But now, the Fifth Third was causing issues with our bank because the bridge loan of {$1700.00} ) was due the end of XX/XX/XXXX but that they may not send the refund payment to us until the end of XXXX. The Supervisor very rudely indicated that the Fifth Third bank had done everything correctly and it was not there concern if we ended up defaulting on a loan with XXXX. I had also recently checked my Credit Reports and knew that the Fifth Third had reported the Repossession on the credit reports. I asked the Supervisor due to the tangled mess of the entire situation if the Fifth Third would remove the Repossession from the credit report. I also indicated they could leave the record of late payments but just removed the Repossession and mark the loan Paid. I was advised that they don't have the ability to do that because the repossession was correct and factual. I called XXXX and let them know that the refund check from Fifth Third may not be sent until XX/XX/XXXX. XXXX, changed the terms on the loan so it now is not payable in full until the end of XX/XX/XXXX. I also asked the rep from XXXX if the Fifth Third could change what is showing on the Credit Bureau, I was advised yes they could and if not that I could file a dispute. Once again on XX/XX/XXXX I called the Fifth Third. I asked the Rep if they could see any indication of the refund check being mailed. The response was no. I then asked the rep if the Fifth Third would be nice enough to remove the Repossession from the credit reports. The representative indicated they have nothing to do with the credit reports. I said- oh so the credit bureaus just decide what should be reported. I then asked for a Supervisor. I asked the Supervisor, after running the entire situation from XX/XX/XXXX on .... if they would consider removing the Repossession from the Credit Reports. The answer was a quick no we have nothing to do with the credit reports. I was advised I would need to go to FTC.gov to file a dispute. I let the Supervisor know that it was no longer FTC where disputes were filed. I ended the call.
Company Response:
State: ND
Zip: 58701
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Hello, XXXX release - payoff letter from Fifth Third bank My husband and I took out a loan in XXXX with XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX failed, XXXX XXXX assumed then Fifth Third Bank took over. Our loan was due in XXXX. We have never received pay off paperwork from them. For over a month now I have been trying to get a pay off - lien release anything from this bank to close on the parking spot as a developer came in and bought the entire building. My funds are currently being held in escrow until documentation is received. We are calling fifth third bank with a different representative each time saying someone will get back to us to no avail after a month of calls and a fax. The law firm and new buyer are waiting on this document. We are needing help. No one at the fifth third bank or a local supervisor in the bank know what to do. Since the loan is over 7 years they keep telling me 5 days but this is over a month. We are not customers of Fifth Third Bank but due to them assuming the loans from the failed bank XXXX XXXX XXXX it falls under their jurisdiction. Can someone please help us get this payoff release so we can close out on this bulk sale. Thank you XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: In early XXXX. I requested a refund on an airline ticket from XXXX. The gentlemen asked me my debit card number to return the funds, they then used XXXX to take approx. {$2000.00} out of my checking account. Fifth Third Bank says There nothing they can do!
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2020 thru online banking, which I have never done, a check was created for {$4600.00} to a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX from Fifth Third bank. This was from my checking account which I have had for 24yrs. I did not do this and do not know this individual. I discovered this XXXX XXXX when I tried to cash a check at a branch. The bank has the endorsed, processed check that posted XX/XX/XXXX. The bank refuses to investigated this fraudulent act because it is over 30 days from time of discovering the act. I have appealed several times and they continue to deny my request stating same reason, more than 30 days passed discovery. I have filed a police report with my local police department # XXXX, also fraud claim reference with bank XXXX and XXXX id XXXX. The bank 's refusal to investigate this case of fraud is inexcusable and raises the possibility of someone in the bank system who is involved or they are hiding something. I want my money back and people responsible for this caught.
Company Response:
State: OH
Zip: 43701
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: Trying to get a hold of fifth third bank, regarding about the early access plan I had years ago with them I owe XXXX I have been trying to reach out to get this payment settled & removed from my credit. I keep getting the run around I have called 2 collection companies and fifth third itself. Proof is that XXXX XXXX has my number and the times Ive called in there system as of XXXX XXXX I sent letter regarding a pay for delete and was ignored.
Company Response:
State: MI
Zip: 48093
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : FIFTH THIRD BANK NA XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX I apologize for the confusion on my original dispute. The truth is that there are issues with every negative item on my credit report. The reason is because I am not the authorized responsible party on any of the previously posted disputes. Therefore, I request the following procedure for the above posted creditor : 1 ) Please review who the responsible party is on the credit tradeline. 2 ) If I am only an authorized user, then the tradeline on my credit, and the corresponding collection will also need to be permanently deleted. 3 ) I must be given notice that a release of responsibility has been sent to me in written form for my records. 4 ) I have full appreciation to the CFPB for your great help in this matter. 5 ) The above referenced account and/or collection must be deleted. The responsible, if any would be my husband, who was only trying to help his wife establish credit. It did not work out as planned. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 34243
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Mortgage account autopays on the XXXX. Got returned by my bank on XX/XX/2020 NSF Without me noticing. Got a call from 5/3 on XX/XX/2020, advised me about it, and offered me to process payment, and they will wave late fee and won't report it late. Paid on the spot over the phone. I now got hit with a 30 day late report. And a late fee. Called their credit Dept, got a negative canned response in the mail. Information report is inaccurate, as payment was late 19 days and not 30 as reported. Additionally, I was promised by the agent taking the payment that Account will not be considered late.
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XX/XX/XXXX XXXX Fair Debt Collection Practices Act : XXXX : XX/XX/XXXXOn these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : FIFTH THIRD BANK NA XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34243
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I've endeavored to dispute a charge. I merely get a customers service number that reroutes my complaint, but does not follow thorough on talking to a representative. I've tried multiple times with no call backs. I tried their support email with no reply. Frustrated. The prepaid account is with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Problem with a purchase or transfer
Subissue: Overcharged for a purchase or transfer you did make with the card
Consumer Complaint: I got a deposit from VA lottery on XX/XX/2021 for {$170.00} to my XXXX XXXX card and it settled on XX/XX/2021 but the money never posted to my account. For the past month and more I have been trying to get my money. I called XXXX today and was hung up on several times. One time I talked to a girl and she said where she see the money came but never posted and she would reach out to VA lottery to get some info from them. She told me she would call me back within and hour, several hours passed so I called back and a manager told me no one would tell me they would call me back and that the VA lottery tried to deposit the money from an ATM before he hung up on me. I continuously called back and never got anyone with XXXX to find my money so now its come to this because its sounding like fraud. I called VA lottery ( XXXX, opt. 1 ) and talked to the supervisor XXXX XXXX because he now knows me because Ive called him continuously for over a month because I thought they never sent it. Comes out to be XXXX fault all the way around and they had me thinking it was VA lottery. VA lottery provide screenshots of the money they sent.
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A