Date Received: 2021-08-17
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Fifth third bank/ MB financial I have two motorcycle loans. they are paid off in XX/XX/2021. Received letter of forced insurance applied and demanding {$8000.00} additional. I called their call center number. They could not resolve. ( Off-Shore call center ). Went to a local bank and provided insurance for the term of the loan. They accepted and realized I also overpaid on the loan by 1 month. The Bank officer said he would take care and resolve. Today it is 4 months ... After numerous calls and promises they still are " Working on it '' they notified the credit agency and as a result lowered my score. The call center still calling demanding money. They will not address the overpayment. One department does not talk to the other dept. I have a Bank officer out on vacation. VP at the bank will not return any of my calls or emails. I see this as a bad faith issue where they hope I just pay and go away. The fifth third bank bought MB financial. This is an internal mess and they are having problems with their accounting systems and culture of being respectful to the consumer.
Company Response:
State: FL
Zip: 33174
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I filed a complaint against Fifth Third Bank last month because they charged me a {$25.00} service charge on a checking account with a XXXX balance. I just received a letter from Fifth Third stating my savings account was overdrawn by {$5.00}. This account has had a XXXX balance since XX/XX/21 and the service charge was applied on XX/XX/21. Just like the checking account issue Fifth Third 's online application does not appear to have a feature that allows a consumer to request the account be closed. Clearly Fifth Third has automation routines that create these overdraft notifications, they should also use automation to stop applying service fees on XXXX balance accounts instead of relying on consumers to go through a notification process to have these charges reversed. That would be a " Fifth Third Better ''.
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I applied for auto financing with XXXX XXXX in XXXX, Tn with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX sent the application to fifth Third bank.. Fifth Third Bank denied me Credit. To my understanding Credit is a " Right '' not a privilege. Fifth Third BANK has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Upon the refinancing of my existing loan in XX/XX/2021, which Fifth Third Bank was servicing, I had new payments beginning in XX/XX/2021 under the new loan terms ; Fifth Third Bank is also servicing my new debt. Included in my monthly payment is PMI in the amount of {$55.00}. After the XX/XX/2021 payment, the LTV on my loan became 79.9589 % and the loan documents allow me to request removal of it. As such, I reached out to Fifth Third Bank on XX/XX/2021 to begin the process of removing the PMI. First I was told I can't cancel PMI because Fifth Third Bank was incorrectly quoting information from my old loan ( the loan prior to the one I refinanced XX/XX/2021 ). Then once that issue got settled in mid- to-late XXXX, I was told that an appraisal will be performed at my property, at no expense to me, in order to determine the proper market value. I can't recall the exact date but it was supposed to occur in early XXXX. Shortly after that in XXXX, I was contacted by another representative of Fifth Third Bank that said I had to make another written request to have it removed and that an appraisal was no longer needed. After trying to rectify the issue over the phone with no success, I reluctantly submitted another written request on XX/XX/XXXX to have the PMI removed. Since that time I have not heard anything from Fifth Third Bank and I've already received my XXXX mortgage invoice and it still lists the PMI. So here I am today, 5 months after my initial request and there has been absolutely zero movement in the removal process. This has arguably cost my family and I about {$250.00} ( and counting ). To say that this is beyond frustrating is an understatement ( quite frankly, I just don't have the time to document, step-by-step their ineptitude ) and the customer service provided up until now has been awful. I have all the loan documents and am well versed in this field. There is no reason why this PMI shouldn't be removed and I'm so fed up at this point which is why I'm reaching out to the Consumer Financial Protection Bureau. Fortunately, I work in a field similar to the service that Fifth Third Bank provides to it clients but for those individuals without a background like me, they are extremely vulnerable and mislead by this company ; likely resulting in families paying additional monies to Fifth Third Bank due to their poor performance.
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX I made a reservation through XXXX with a payment of XXXX. I selected my reservation dates of XXXX through XXXX. When I received confirmation, days were taken off of my reservation. I tried contacting the host and the response I received was " the days I want are not available ''. When I made the reservation online the dates were available and selected. On XXXX I opened a dispute/chargeback with my card company. On XXXX I received an email from XXXX stating THEY cancelled my reservation and would provide a full refund due to the reservation not being legitimate. XXXX disputed the chargeback from my card company and won the dispute. I have contacted XXXX countless times about this refund I was promised and they are now declining to work with me about this issue. I have documentation stating they cancelled my reservation and have promised a refund on numerous occasions. I have sent all documentation to XXXX they wanted to try and solve this but they are not responding to me now and I get disconnected when I call them. I opened a claim with XXXX and it is now closed because XXXX will not contact me to try and resolve this. My bank/card company is not helping me with this matter either. They keep telling me they are not receiving the information they've requested. I have sent them all documents via mail and email on multiple occasions. When I call them about this issue they claim there is no one I can speak with to resolve this issue. My card is through Wisely pay card services.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On Saturday, XX/XX/2021, my Master Card with Fifth Third Bank was fraudulently charged for {$340.00} for an automobile insurance policy with XXXX XXXX XXXX by a third party without my knowledge or permission. This charge posted to my account on XX/XX/2021. I had provided my credit card information over the phone to this third party merchant for a {$20.00} charge for a totally different product from them. Instead of using the credit card for the permitted {$20.00} charge from them, apparently the third party fraudulently used my credit card information to purchase the {$340.00} insurance policy from The XXXX XXXX XXXX. At no time did I ever have any intention of buying anything from XXXX XXXX, nor did I ever have a conversation with anyone at XXXX. The fist I knew about this situation was when I received my monthly statement in XXXX, XXXX showing this fraudulent charge. I immediately disputed the charge. Since then, I have talked to numerous people at Fifth Third, wrote numerous letters and e-mails, and have been given the runaround and taken completely in circles. They continually kept asking for receipts and documentation. I told them repeatedly there are NO receipts or documents, as I NEVER agreed to this purchase at all, hence NO receipt! Fifth Third arbitrarily, with NO input from me, or notice, told me they would not grant my dispute and the only way I could re-open it would be to submit receipts, which NEVER existed! I have had a branch manager named XXXX at Fifth Third in XXXX, NC ( her phone number is XXXX ) try to intervene and help me. She has become just as frustrated as I have. She tells me the people in the Fraud and Disputes Departments are giving her the runaround and won't even tell her why they decided the dispute against me! I really need some outside help with this as now I have been charged {$340.00} fraudulently for a product I never wanted nor agreed to buy. Thank you. NOTE : The original card this was charged to ended in XXXX. This account was updated to the current account ending in XXXX due to identity theft.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The escrow amount on my mortgage changed and I didn't know it had changed. I have automatic payments setup in my XXXX XXXX XXXX account and have NEVER been late on a mortgage payment. My normal payment of {$1200.00} was received by 53rd bank on time as it always is but because the mortgage amount had changed and I didn't know, they did not post my payment to my mortgage. The difference if {$32.00} was only a change in the escrow amount yet they didn't apply my payment and hit my credit report with a late payment, which I was not late. I have been in the process of refinancing my mortgage, but I can not do that now due to the late mortgage payment report and the subsequent 200 point drop in my credit rating, which has been Excellent. I am very upset about this and it is costing me the opportunity to refinance my mortgage and save {$300.00} per month with the lower rates. 53rd Bank 's negligent handling of this is impacting me financially. I also would like to purchase a used car but will not be able to now due to the credit damage they have caused. I would like the late payment entry removed entirely from my credit report and my credit rating restored to Excellent immediately. Thank you for your assistance.
Company Response:
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/2021 I had a construction Dumpster set at my son 's house. I asked for removal they moved it 3 days later then XX/XX/2021 a over charge was put on my card. I canceled card and disputed charge. Rolling balance carried to new card. They were paid. After arguing I decided it was a aste of time and paid the charge. Then with remaining balance I paid my card in full. Balance was XXXX. Dispute people decided that it was a legitimate charge and put it on my card. They refuse to do the simple math and see that the charge was paid and balance was also paid they put it on cause it was legitimate but I had paid it. Customer service agrees with me but dispute with exceptions to 2 individuals also aree.this has gone on for over 4 months and they are damaging my credit and compounding charges. It's not the money it the principal. I don't owe it. I even tried to make a deal to pay it off even though I don't owe them. They refused that also. I am a XXXX XXXX veteran and it is a tremendous strain on me in XXXX way thank you XXXX XXXX
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Your Complaint : Which company? Fifth Third Bank Describe your complaint : Fifth Third Bank is the bank we went through for our loan on our new home. I had switched to them after working with a different lender that could not help us. We missed our first closing date of XX/XX/XXXX than again XX/XX/XXXX. Any information that was needed by the bank from me I got it to them ASAP but right before closing dates I was hit with more things they needed. I was given a new closing date of XX/XX/XXXX @ XXXX and the closing did not happen till almost XXXX that night. I was Charged {$500.00} by lawyer for after hour fees. Initially I was also told that I was approved for a credit from the bank in the amount of {$5000.00} that would come off the closing cost. Than it dropped to {$3600.00} and than it dropped to nothing. I did get a {$1000.00} but I am not even sure what that was for. We also had to give the seller {$1000.00} so she would not put home back on the market. This was the worst experience. Attached you will find proof on what they told me closing costs would be. This is one of the e-mails I sent them. Good Morning!! This is XXXX XXXX I am sure that known of you will respond to this e-mail just like the other e-mails I have sent no one at Fifth Third that is responding to me anymore. I was informed yesterday that there is a response to my complaint and that it will be mailed to me and the outcome is not good. I will not take that response and I will keep e-mailing and complaining until someone gives me the response I am seeking. I should be given a refund. I was told from the way beginning that I was approved for the credit through Fifth Third and I have that in E-Mail. I was also told in many e-mails and phone calls that I would be paying less than {$4000.00} at closing because of that {$5000.00} credit that we did not get. I understand that there are changes in company policies but all employees at Fifth Third need to be informed of that so they do not give clients inaccurate information, it's very miss leading. Had we known that we would not be getting that Credit we would have went with the other lender that could of had us closed on the date we needed, but I stuck with XXXX XXXX and missed 2 closing dates and had to pay after hour fees and the seller more money to not lose the home. She should have never guaranteed closing dates.. I did everything I was told and had all documents that were needed and requested by XXXX XXXX as quickly as possible. She never needed to wait on anything from me. This is not the way a business should be conducted. I will no longer recommend this bank to anyone. I was told the President of the company is " FOR THE PEOPLE '' but obviously that is not true. He has failed me twice now. I know you have a copy of the response to my complaint and I would like it e-mailed to me immediately so I can have it for my lawyer. Communication with this Company is HORRIBLE! Which issue ( s ) : Lied about the price How they can fix the problem : A REFUND! ( Compensation request : {$6000.00} ) I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, reasons for rejection are included below. I have attached documents that gave us the impression that we were entitled to the {$5000.00} Credit. I have attached documents that gave us the impression that at closing a little under {$4000.00} would be owed. We should be reimbursed for the Lawyers after hour fees. XXXX XXXX the loan office even said that she was not aware that the company changed their polices in regards to the {$5000.00} credit and thought that it was ridiculous that we were not receiving the {$5000.00} Credit. XXXX XXXX should have bumped the closing date even further if she did not think we would close on XX/XX/XXXX. The two previous closing dates she should have never said " O yea we can make the deadline '' if she had any doubt in her mind that we would not meet the closing date. We would not of had to pay the seller {$1000.00} if a second app did not have to of been done. She waited to long for a negative response from the " OFFICE OF THE PRESIDENT '' to tell her she could not pull over my credit score to the 1st loan application. She should have just went ahead and did a re-app and we would have closed much earlier than we did. I don't really care at this point what the company policies are. You all need to admit that you messed and we should be compensated for it. This bank has the worst communication. Like I said in the 100 emails I have sent to over 6 or 7 people higher up people at Fifth Third Bank. I will be going to the NEWS AND MY LAWYER. Regards, XXXX XXXX
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a vehicle loan with Fifth Third Bank that back on XX/XX/XXXX when the Covid XXXX I happens I lose my job and called the bank to request request them a deferred on my monthly payments for two months. They sent me a letter offering me up to five months of this deferred payments and I did not accepted them. ( Please find attached this letter XXXX When I got my job back after these two months I brought my account current. ( Please find attached the proof of this payment ) After this payment of this two months I have been paying my account every month on time. After one year I noticed on my credit report in XXXX of XXXX that they had report a late payment of XX/XX/XXXX, so I call the bank and asked them why reported me with a late payment when all I had with them was a forbearance of only two months and I had paid after two months the total amount. They did not want to fix this. Now I find out that they report me again with another late payment of four months. This has been a nightmare with this bank, they don't really care about the customers credit report, They have ruined my credit history, even I have send many letters and made many phone calls to then trying to correct this information. I need help because they are ruining my credit history with this wrong reporting of my payment history. Thank you.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A