Date Received: 2023-11-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I received a refund check ( emergency disbursement ) from the XXXX Bankruptcy XXXX. Prior to making a deposit into my checking account ( open and active since XX/XX/2023 ), I contacted 5/3 Banks customer support to gauge fund availability and best practices moving forward. They stated, that to have my funds available the morning of XX/XX/2023, consider and complete a mobile deposit for this transaction. Since this is text-based support, I have a screenshot of this conversation. I completed the transaction, but prior to confirming, I asked the service rep about a discrepancy with my deposit ( app stated funds would be available XXXX ). She stated that XXXX considers those Mondays a weekend. My money is not available as of this morning and new representatives I spoke to, state that my funds would not be available until XX/XX/2023. This is an incredibly misleading and abusive process.
Company Response:
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/XXXX Iowa XXXX, Iowa XXXX Re : Formal Complaint against XXXX for Violation of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally report a grievance against XXXX, a credit bureau , for their alleged violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I sent a certified letter to XXXX, addressed to the XXXX XXXX, on XX/XX/XXXX, seeking the validation of a debt related to a closed account with an open balance that is inaccurately reported as past due. The subject account pertains to my relationship with FIFTH THIRD BANK NA and has a reported opening date of XX/XX/XXXX, and an outstanding balance of {$430.00}. The FCRA, under Section 609 ( a ) ( 1 ), grants consumers the right to request verification of debts reported on their credit reports that they believe to be inaccurate or incomplete. My certified letter to XXXX requested such verification of the debt associated with the mentioned account. Specifically, I sought information that would enable me to ascertain the validity and accuracy of the reported debt. XXXXXXXX XXXX response to my request, however, has been unsatisfactory. The credit bureau failed to provide the essential information required to validate the debt, as stipulated by the FCRA. Instead, XXXX continues to report the account as past due, which is having a detrimental impact on my creditworthiness. This reporting is in contravention of the FCRA 's provisions, specifically Sections 1681e ( b ) and 1681i, which mandate the accurate reporting of consumer credit information and the requirement to investigate disputed information. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly, as XXXXXXXX XXXX actions appear to be in violation of the FCRA. It is my belief that XXXXXXXX XXXX failure to comply with the FCRA has caused substantial harm to my credit standing, potentially affecting my ability to access credit, employment opportunities, and other financial activities. In accordance with the FCRA, I would appreciate the CFPB 's assistance in addressing this issue and ensuring that XXXX adheres to its obligations under the law. I have attached copies of the certified letter sent to XXXX, as well as any correspondence received from them in response to my request. Thank you for your prompt attention to this matter. I look forward to the CFPB 's involvement and assistance in resolving this dispute in accordance with the Fair Credit Reporting Act. Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Copy of Validation Letter
Company Response:
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: The narrative is as follows : 5/3rd Bank took over my loan while my loan was in a covid relief program. 5/3rd appears to have poorly handled the process of taking over servicing of these loans. It was several months before I learned that I needed to fill out a their hardship application in order to re-establish that I wasnt simply not paying the mortgage but had been in a relief program. Because my account *appeared* to be so delinquent, I was thrown into a process of foreclosure that was entirely avoidable if this business was actually equipped to service the loans they purchased. Once I filled their hardship application out and sent it in originally in XXXX, I received very sparse communication back from 5/3rd about next steps, how to continue to make payments, etc. A XXXX had called me in XXXX and we had difficulty reaching each other. This has been the story of this whole ordeal. 5/3rd does not have the necessary staff or systems to be handling these loans. I have phone records showing 5/3rd using their automated outbound calling services to call my phone and when I would pick up 90 % of the time there would just be a click and the call would be discontinued. This meant that every time I would call in and not get a real customer service person, I would get a call back but it would rarely connect. This back and forth carried on for some time. No one taking responsibility or helping me solve the issue. Their online portal was problematic as well. I can only guess why. I received incorrect information about being able to pay the loan via the online portal and was even hung up on once before the customer service rep had finished helping me with my issue. The payment I made was sent back to me in the form of a check ( I believe it was a payment for XXXX and I received the check in XXXX ). Things finally improved when XXXX ( On XX/XX/XXXX ) helped me get set back up in the trial plan. Everything seemed to be back on track again. I scheduled my payments with her for the next 4 months. In XXXX, my automatic payment came out a day before I thought it was supposed to come out. I called the NEXT DAY ( XX/XX/XXXX ) to make the payment and on XX/XX/XXXX, finally got to speak to XXXX ( customer service rep ) to make the payment. At that time she confirmed that I didnt need to worry about it and that it would come out soon. I didnt see it come out and by the time I was able to speak with another representative ( on XXXX with XXXX XXXX XXXX this new rep ( XXXX ) informed me that my trial program had been cancelled and I would need to re-submit everything all over again for another hardship application. This is now my 3rd application. It was not until XX/XX/XXXX that XXXX let me know about being able to file a complaint with the office of the president. No other rep had offered that at this point. I finally was able to speak to someone who would help resolve things. XXXX, with the aforementioned department, confirmed that I was given incorrect information by XXXX on XX/XX/XXXX. My other payments for XXXX and XXXX were pulled from my account just like they were supposed to. I am now still waiting for them to complete the review of my 3rd hardship application - an application that should not even need to be reviewed again because the trial program should never have been disrupted in the first place. Yes, my scheduled payment in XXXX didnt go through but I called the next day to make it and was told not to. I currently have a foreclosure date set for XX/XX/XXXX despite the fact that I wouldnt even be in this situation had 5/3rd had better systems, more staff, and just not been so convoluted to deal with. Every person I speak to there doesnt seem to have the authority or access to provide any sort of tangible assistance and theyre playing games with the lives of every day people just trying to live in their home. Below, you will see my quick notes for the various interactions over the past year. Hardship application website - been to this and submitted the requested documents. Was told someone would get back to me. One person did in XXXX. I called him back but never head back again. - XXXX on XX/XX/XXXX Ive called during normal business hours and after business hours - no one has replied or responded besides XXXX. XXXX - left message XXXX - left message XX/XX/XXXX - left message XX/XX/XXXX - spoke to XXXX XX/XX/XXXX - XXXX XXXX - New trial program started ( starts in XXXX ) {$1200.00} for 4 months - XXXX is last payment - Loan will become a 40 year loan, should stay at {$1200.00} XX/XX/XXXX - left XXXX about payment XX/XX/XXXX - XXXX said Im good about missed payment and that they would debit the account again XXXX - XXXX. Got ta do everything all over again XX/XX/XXXX - Submitted new hardship application XXXX - Spoke to XXXX. She said they have my application and that someone would be in touch with me. She said to call every so often because they XXXX at their jobs. XX/XX/XXXX - Escalated with complaint - XXXX helped XXXX Sending in more paystubs & room mate agreement. XXXX is single point of contact ( apparently ). XXXX was the first person to offer the complaint department today. XX/XX/XXXX - Sent everything above XX/XX/XXXX - XXXX explained XXXX still needed and that the foreclosure date has been moved out. They acknowledged the mistake of giving me incorrect information back on XX/XX/XXXX. Need to send two things to them listed in XXXX email to me. I sent documents immediately after call. XXXX - left voicemail, asking if they needed anything from me XX/XX/XXXX - called to return some calls I had missed from them. Left VM asking for call back. More phone tag. XX/XX/XXXX - spoke to XXXX about nothing. More of the same dysfunctional XXXX. Told me to call sooner in the day. She notated my account with the same information as last time I imagine. Also left a voicemail for XXXX in the complaints department. Phone call got dropped. XX/XX/XXXX - Filled XXXX ear with all of my complaints. Spoke to XXXX on a second call and got clear on the P & L document issue XX/XX/XXXX - spoke to a guy. He talked to XXXX and XXXX said my file was complete as of now and to sit tight. XXXX - left voicemail asking for call back XXXX - Spoke to XXXX again XXXX. No new information. Theyre still reviewing things. Filing complaint with CFPB today and contact XXXX XXXX about proceeding with her help. Current foreclosure date set for XX/XX/XXXX
Company Response:
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: This complaint is a continuation of the following complaints that have been closed without resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I personally appeared at Fifth Third Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida to close my accounts XXXX I met with a banker that handled the transaction. The accounts were closed and funds were disbursed to me by Cashiers Check. The reason cited for closing the accounts was an inability to access the accounts online and having to appear in person at the branch was inconvenient. Two previous attempts to gain online access took an inordinate amount of time and required working with IT. In an attempt to retain my business, I was offered a higher interest rate, but declined, stating that an inability to access my accounts online was both an imperative and a deal breaker ; Fifth Third Bank had been given sufficient time to resolve the issue, to no avail. On XXXX XXXX XXXX, unbeknownst to me, a transfer was initiated in the amount of {$150.00} from my XXXX XXXX account to be deposited into a CLOSED Fifth Third Bank account. Repeated phone calls over the course of several days resulted in several managers at Fifth Third Bank vehemently denying that they had initiated the transfer, cited the fact that the account had been closed and that they would not have initiated a transfer to an account that a customer had closed. They claimed that the transfer had been initiated by XXXX XXXX, and that perhaps they were unaware that the account had been closed. At the same time, XXXX XXXX denied initiating the transfer. Fortunately, the mystery was solved with the discovery of an email in my spam folder that identified Fifth Third Bank as the initiator of the transfer. I contacted XXXX XXXX Bank seeking advice on how to prevent FUTURE transfer to this closed account and they advised me to place a stop payment on the account, preventing Fifth Third Bank from unauthorized transfers. I followed their advice and placed the stop payment on the XXXX XXXX account. This was done AFTER the transfer had been made, not BEFORE, and this is where Fifth Third Bank conflates the facts. Fifth Third Bank claims that no transfer took place due to the stop payment placed on my XXXX XXXX account. However, I would not have placed a stop payment on the XXXX XXXX account without having experienced this chain of events that lead me to this pont as there would be no reason to do so. It was discovered that Fifth Third Bank REOPENED this closed account to initiate an unauthorized transfer from XXXX XXXX. Additionally, Fifth Third Bank has refused to CLOSE this account allowing it to accrue exorbitant overdraft fees in the amount of {$87.00} while demanding payment of {$150.00} for the transfer they claim they did not receive and for which they have failed to submit evidence of funds having been returned. This issue has not been resolved. Fifth Third Bank simply continues to reiterate the same inaccuracies without providing any documentation to support their claim.
Company Response:
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Hello, my name is XXXX XXXX. I was a victim of fraud, and am contacting again regarding a {$9100.00} check request I made from my closed XXXX investment account that was issued back in XX/XX/2022 and drawn on 53rd bank. I didn't received the check, because it was sent to my previous address, so when I contacted XXXX, I was told that the check has been fraudulently deposited by someone I don't know. I requested a stop payment and a return of my funds, and I was told that they're going to work on it. After that, I contacted XXXX again for my funds, I was told that my XXXX account was already closed, that the returned funds were unable to settle back into my closed XXXX account, and that the funds were returned back to the originating bank. Since last year I've been on this matter with XXXX. Around XXXX this year, I was sent a fraud packet kit from XXXX with 53rd bank on it to fill out and notarized. I did everything as instructed and mail it to XXXX XXXX XXXX which is XXXX XXXX assets Custodial. Few days later, I was provided with case number. Since then I have not yet received any valid update regarding my funds from XXXX XXXX or XXXX XXXX XXXX and even 53rd bank.
Company Response:
State: CO
Zip: 80525
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On or about XX/XX/2023 I requested documentation to establish a clear legal or equitable right to make a claim on account they are reporting on my consumer report and requesting claim for acct XXXX. This isn't the first or 2nd time, Dividend Solar keeps reporting improper on my consumer report. Also I requested the same information from XXXX XXXX XXXX XXXX XXXX ( XXXX ) for accounts XXXX & XXXX. XXXX still have not responded to my requests
Company Response:
State: FL
Zip: 32221
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX has committed Securities FRAUD against XXXX XXXX. I have never invested in XXXX XXXX XXXX or consent to pay this company. XXXX XXXX XXXX has take out securities out in my name with out my knowledge or consent. XXXX XXXX XXXX has committed 18 U.S.C. 1348 securities fraud is the unlawful practice of using manipulative or deceptive tactics to purchase or sell a security. Fraud is a commonly prosecuted federal crime in the United States and securities fraud charges. ALL ACCOUNTS ARE PREPAID Senate document NO.43, 73rd Congress The ownership of all property is in the State, Individuals, so-called ownership is only by virtue of the government, i.e., law, announcing to mere user and use must be in accordance with the law, and sub-ordinate to the necessities of the state. Congressional Record, XX/XX/, on HR1491, pg. 83 Under the new law, the money is issued to the banks in return for government obligations, bill-of exchange, drafts, notes trade acceptance, and bankers acceptance. The money will be worth XXXX cents on the dollar because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of the people of the nation. Title 18 8 Obligation or other securities of the United States defined : The term Obligations or other security of the United States includes all bonds, certificate of indebtedness, national bank currency , Federal Reserve notes, coupons United State notes, Treasury notes, gold certificate, silver certificate, fractional notes, certificate of deposit, bills, checks, or draft for money drawn by or upon authorized officers of the United States, stamps and other representatives of value of whatever deamination, issued under any Act of Congress, and canceled United States stamps. FRNs are obligations of United States HJR 192 : The term obligation means Federal Reserve notes and circulating notes of the Federal Reserve banks and national banking associations. Title 31 3123 makes a statutory pledge of the United States government to payment of obligations and interest on the public debt. Title 31 3123 Payment of obligation and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principles and interest on the obligation of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt, As the Secretary considers expedient, the Secretary may Pay in advance interest of the public debt by a period of not more the one year, with or without a rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve notes are and pay them in FRNs which is legal tender. Taxes and all bills associate with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt dollar for dollar. It is a fact : Title 31 3130 further delineates in its definitions a portion of the total public debt, which is held by the public as the Net public debt, 3130. Annual Public Debt Report. SEE : FTC Report Number XXXX
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, these purported creditors have violated my right. Under 15 USC 1681, section 602 my right to privacy is insured. Also under 15 USC 1681, section 604 A, subsection 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. I demand all unauthorized recordings on my credit record to be removed immediately. I did not give written consent or instructions to do include these recordings.
Company Response:
State: MS
Zip: 39213
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Delays in the application process
Consumer Complaint: My last hardship application filed in XX/XX/XXXXXXXX expired because I was unable to get my ex-wife to sign the application ; So on XX/XX/XXXX, I submitted another hardship application seeking mortgage hardship assistance. Meanwhile, I received a letter in the mail from 53 postmarked XX/XX/XXXXXXXX stating that 53 will only remove my ex-wife from the primary mortgage and the equity flex line 2nd mortgage if I refinance at today 's significantly higher interest rates. Fifth Third points out that... " Spouses ( XXXX XXXX, the husband ) who do not want to be included in the application process or listed on the Note or obligation to repay the debt, are required to sign the mortgage on the property, as well as a few other closing documents. As her spouse, you were required to sign the mortgage, the Waiver of Borrower 's Rights Rider, and the Notice of Right to Cancel at loan origination. As you signed these specific documents, we are able to provide you with copies. HOWEVER, WE ARE UNABLE TO PROVIDE YOU WITH ANY INFORMATION REGARDING THE EQUITY FLEXLINE. AS YOU ARE NOT A SIGNER OF THE NOTE ''. The issue here is that the equity flex line of credit 2nd mortgage is not in my name but I am willing to take responsibility for it if 53 removes her name from the loan and the primary mortgage. I should not be put in a position to have my home foreclosed on due to the flex line of credit ( that is not in my name ) delinquency that I could have refinanced during the 10 months it took 53 to let me know the status of my hardship application, which ironically resulted in a higher equity flex line payment. It makes no sense that I should have to refinance at the higher interest rates that exist in today 's market when I had the opportunity to refinance ( in order to remove my ex-wife 's name from the primary mortgage & the flex line of credit ) when rates were lower, but as a tradeoff, I waited for the status/results of the hardship application. It appears that Fifth Third deliberately refuses to acknowledge their negligence and exercise their duty of care to me as a customer. According to XXXX... There are two ways to remove an ex-spouse from a loan : Release and refinance... A lender may release the ex-spouse from the loan. If presented with a divorce decree and a quitclaim deed, many lenders will remove the ex-spouse and leave the loan in the name of one spouse only.
Company Response:
State: GA
Zip: 30071
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: In XX/XX/XXXX, I started to question my PMI because I live in the XXXX zip code of XXXX - the hottest real estate market in the XXXX area. In XX/XX/XXXX, I requested via email and fax to have my PMI eliminated. I was told that if they went by my XXXX re-finance appraisal of {$460000.00}, my property would still be below the required 78 % Loan to Value ratio to qualify for PMI elimination. XXXX from Fifth-Third Bank told me that the other option I had would be to request a appraisal, to be paid for by me. They would send someone out to appraise the property. The appraiser came out in late XX/XX/XXXX. I called several times after I received the report stating my property appraised at {$530000.00}. A couple of weeks later, I received a letter from Fifth-Third Bank stating that my property did not meet the required 75 % LTV as it was at 75.82 % LTV and therefore my PMI would not be cancelled. I contacted the company multiple times, and could never get a straight answer. My re-finance documents clearly state that I reserve the right to have my PMI removed once the LTV is at 78 %. I feel like I am being discriminated against because of my race. Everyone knows that these mortgage companies attempt to scam XXXX and XXXX people into paying more. They never give us a straight answer on anything. Each time I contacted this lender, I received a different answer from they never received the faxed request to review my PMI to the LTV would have to be at 78 % to being bullied into demanding to know who said 78 % to telling me as early as last week that they needed to check with " the investor '' of the loan to determine what the LTV should be. Clearly someone sent the letter so they got that information from somewhere. And, when demanded to know who " the investor '' of my loan was, XXXX ( the manager ) said it would be XXXX XXXX or XXXX XXXX. Everything I've read online seems to suggest that XXXX XXXX and XXXX XXXX subscribe to the 80 % LTV ratio. Today ( Monday, XX/XX/XXXXXXXX around XXXX CT ), someone named XXXX contacted me stating he would look into my formal written complaint that I sent Friday, XX/XX/XXXX, but had no answers about the LTV saga. I need a third party to help me fight the XXXX profiling and discrimination this mortgage company seems to be practicing while having loans underwritten by XXXX XXXX and XXXX XXXX.
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A