Date Received: 2021-05-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been furloughed in 2020 between XXXX. I have applied for mortgage forbearance and Fifth Third Bank granted me 6 months. In XXXX I called the bank to inform them Im back to work and I would like to restart payments. I have never received nor signed a forbearance contract. Nor I was informed that at the end of the forbearance I would have to repay the missed payments. In XX/XX/2020 Ive noticed in my mortgage statement that the entire missed amount is due. I called the bank and they said they will send me a mortgage addendum to have the missed payments applied to the loan. Addendum received, signed, notarized and sent back. I received a new addendum to sign due to the fact the first one was missing my wifes name as a co-borrower. I executed the second addendum and sent it back timely. In XX/XX/2020 I have noticed the bank reported late payments to credit bureaus for the months of XXXX, XXXX, and XX/XX/2020. I have NEVER had a late payment in my credit history. I called the bank multiple times to have the reporting corrected. After months of calls and inquiries, the bank informed me they will not change the reporting since I have not paid back the missed payments on time?! I hope my above explanation of the events is showing how I obeyed all rules and instructions at all times. I have never been informed ( in writing or by phone ) that I would have to pay the missed amount at the end of the forbearance. How would that help the customer anyway? I was out of work ( due to pandemic lockdown ) and immediately after starting work I would have to repay few months of missing payments??? I also want to mention that Im current with my mortgage loan. Thank you for the attention given to my case!
Company Response:
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XXXX XXXX we bought a used XXXX XXXX XXXX from a local dealership. They ran our credit application and financed us through Fifth Third Bank. We were told that we would recieve a welcome packet and payment booklet in the mail within the coming weeks. Towards the end of XX/XX/2021, we had not recieved anything. According to our loan documents, we recieved from the dealership, our loan would be due on XXXX XXXX. Towards the end of XX/XX/2021 we starting the long process of trying to figure out what was going on with our loan. After days and hours on the phone with Fifth Third bank we were able to find out that our loan was funded and booked on XXXX XXXX. The underwritting department at Fifth Third Bank could acess our loan and information. However, the payments/customer service side could not. Resulting in us not recieving any information about our loan or a way to make a payment. Each department kept transfering us back and forth with no way to resolve the issue. They did not understand how this happen and noone could fix it. We have called just about every day this month to see if their system has been fixed and our loan updated to the right departments. It has not. We contacted the XXXX on Thursday, XX/XX/2021. XXXX XXXX reached out to us, but they never called back like they agreed upon. Our loan is coming up due within a few days and we have no way to give our payment to Fifth Third Bank. We have spent hours of our personal time trying to understand and fix their promblem. Yet, we can not fix whatever is wrong in their system and they seem unwilling to do it themselves. Please reach out to us as we are very XXXX about this matter. I have uploaded the loan document given to us by the dealership as well. XXXX for your time, XXXX XXXX
Company Response:
State: VA
Zip: 244XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Fifth Third Bank has reported me to XXXX for check fraud back in XX/XX/2017 and they are saying information is accurate. Ive sent over documents showing them that Ive made multiple identity theft reports because some use fraudulently used my information and opened this account online. I have made disputes with XXXX as well and i still got nothing. My current financial institution has placed a restriction on my account due to this matter. I have never had this bank and never opened an account with these guys and because of this i have no access to my funds in my current bank account
Company Response:
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Company Response:
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Please refer to my previous complaint ( XXXX ) I appreciate your help with this situation, I would like to make you aware of some additional information I received this week. This is the email I sent to Fifth Third Banks dispute department this week, see below : I was at the XXXX XXXX branch last night ( XX/XX/2021 ), I sat down and spoke with XXXX XXXX. We called the dispute team and spoke to XXXX together regarding this ongoing case. XXXX confirmed that this was not investigated properly and it was not looked into thoroughly and this case should have been cleared by now. When I initially called in stating that I did not activate the card, I was asked if I had the card in my possession. At that time I was unaware that a new card had been issued and I responded that I had the card in my possession. The card that was in my possession was the expired card and I never received the new card in the mail. According to XXXX this may have been the root of the confusion regarding this case because they ignored why I initially called which was to say I did not activate the card. XXXX and XXXX both advised that it was more than likely mail interception, I spoke to a detective at the XXXX police department and they are going to update the police report and inform the federal post office police of this possible mail interception as well as investigate the merchant that this charge took place at ( XXXX XXXX XXXX XXXX XXXX ). What more was I obligated to do than to state that I never activated a card? At that point Fifth Third Bank failed to do their responsibility and they keep trying to make me pay this fraudulent charge. The only charges that were incurred by me on that account was a reoccurring XXXX charge, therefore I had no knowledge that the card was going to expire. I don't understand how they are fighting me on a charge that is fraudulent. Im sure I'm not the only one this is happening to with Fifth Third Bank and how they handle fraudulent activity.
Company Response:
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We filed a complaint with the Consumer Financial Protection Bureau, case # XXXX. Fifth Third Bank ( 5/3 ) has not addressed all of my issues with the case. Fifth Third has completely ignored my request for backing data as to how they have concluded the amount of PMI overpayment. While Fifth Third forwarded us a check for fraudulently collecting PMI insurance from us. We have not received the justification for the amount that they have refunded us. We believe this is only a partial refund of the amount due to us. Fifth Third stated that they have " provided a refund of all PMI payments made since XX/XX/XXXX ''. We have asked for backing documentation to justify the date which Fifth Third determined our PMI overpayment, and by extension the justification of the refund amount. We have not received this information. It is highly irregular that while 5/3 Bank gave us the run around and ignored or outright lied to us about the process to drop PMI on our mortgage for 6 years, when we filed a case with the Consumer Finance Protection Bureau, magically, they concluded that our PMI should have been dropped. Our original loan 's PMI insurance was due to be automatically dropped by XX/XX/XXXX with 5/3 bank. 5/3 bank seems to have a scheme to overmarket and push pre-approved refinancing offers as a means to extend their profits, all in the guise of saving their customers money. With this refinancing scheme, and XXXX ignoring our continued requests to drop PMI ( violating HPAs disclosure and notification requirements ), the refinancing of our loan would have had us paying PMI on our loan until XXXX of XXXX on a loan that was originated by the lender on XX/XX/XXXX. That would be 20 years of PMI payments on a 30 years loan. Fifth Bank and by extension CFPB has closed our case, as Fifth XXXX determined our case " closed with explanation ''. They never gave us the documentation we requested as to how they arrived at the refund amount or date in which they determined our PMI should have concluded. Yet again, when asked for transparency and information, 5/3 is ignoring our request for the data for the amount of our PMI overpayment. We believe Fifth third has only issued us a partial refund for PMI overpayment. Fifth Third stated that " After an additional review of your account, we provided a refund of all PMI payments made since XX/XX/XXXX '' We believe there is a discrepancy of approximately two years of PMI overpayment or about {$3200.00}.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Fifth Third Bank has continued to mess up my payments since XX/XX/2021. My payment record has been immaculate until XXXX when I switched accounts to pay for the loan. I have called Fifth Third Bank numerous times to resolve the issue, to pay over the phone, and to remove the " defaulted '' payments from my record since it was their system causing issues. This has yet to resolved and has caused my credit to plummet. In XXXX, they LOST my payment and have not been able to recover it, despite the money being taken out of my bank account.
Company Response:
State: OR
Zip: 97404
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was sold from XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX has selected Fifth Third Bank as my mortgage servicer. While Fifth Third has sent me a letter encouraging me to set up an online account, none of my information appears in their online system. When I called the initial time ( with extremely long wait times ), I was told it would be populated by XX/XX/XXXX. Upon calling this morning -- after my information had not been populated to the system -- the agent was unable to find my information, I was encouraged to go into a branch ( there are none within several hundred miles ) and I was told that if I wanted more assistance I would have to be put back into the queue. Frankly this level of incompetence is embarrassing to the federal government XXXX XXXX XXXX XXXX, and I don't think is indicative of typical mortgage servicers.
Company Response:
State: PA
Zip: 15206
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a phone call in regards to a legal matter from phone number XXXX instructing me to call XXXX XXXX and XXXX with file number XXXX. Not only did I receive a call, but third parties in my family received a call/voicemail in regards to this false matter. This is a blatant breach of guidelines set forth by the FDCPA. I have since forwarded all proof of this said account that is in default to the following email address XXXX XXXX
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been a victim of XXXX XXXX and therefore have been in a forbearance. I had requested a loan modification on two occasions- XX/XX/XXXX and XX/XX/XXXX. I was told in XXXX to continue the forbearance since my financial situation had not improved. In XXXX, I explained the same and 53 bank told me they would lower the interest to the Fannie Mae current rate and extend my mortgage by 10 years. Sounded great - however when I received the paperwork my payment INCREASED!!! I called and called and sent messages in the portal system- to no avail! The only thing I was told was we dont know I guess your loan is too new I pointed out to several people during this time in XXXX that the interest rate was NOT lowered. Nothing .... no help! So I am again in forbearance. I have since received multiple statements - all with different amounts including the change to my escrow due to forbearance- and all of them are different and conflicting. I have asked for help to explain- once again NOTHING. I keep getting told someone will contact me in XXXX to review my options and a deferment will move all the amounts to the end - once again THIS IS NOT HELPFUL!!!! I cant afford my payment- I need a lower payment!!! I need a modification- I cant afford for myself and my XXXX children to be on the streets! I have a ton of equity in my home and none of this was my fault!! Ive asked time and time again why arent they trying to help people not lose their homes!! Please help.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A