Date Received: 2021-04-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth third bank has added charges to the loan that do not seem fair. They have accessed late fees for no particular reason. They have given me credits and then reversed them for no particular reason. Online payments made on weekends are not credited until they create late payments on Monday. They make it very difficult to determine when timely payments have been made. Their phone agents are not well trained and can't answer questions. I believe there are thousands of dollars of unauthorized and unethical fees attached to my loan. When I question them, they do not give satifactory answers. Please investigate the entire history of my loan with them and force them to reverse the charges.
Company Response:
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I called customer support at fifth third bank on Friday XX/XX/XXXX for help doing a mobile deposit of my stimulus payment I got the help I needed and was told my funds would be available on Saturday XX/XX/XXXX when I checked my account the funds were not available I contacted customer support again and was instructed to go to the bank branch which I did I deposited my check just to be told my funds would not be made available until Tuesday the XXXX I then requested to just cash the check and I was instructed they could not cash the check I pointed out that it was a check from the US Treasury I have banked with this bank for over 4 years as a result of this I had to borrow money and extend my car loan payment which has cost me over {$150.00} in Interest
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX I began the process of refinancing my home with Fifth Third Bank. All along I have checked in on the status because of the length of time and was assured that everyone was very busy but there were no problems and the refi was moving along. In XXXX, nearly 6 months later I was informed because of the lady bird deed on my house, the refi could not be done unless it was on file with the county that my home had been deeded out of my trust ( not just signing paperwork but on file with the county which takes another 10 weeks XXXX, then I would need to begin the 6 month refi process again. They had the title for 5 months and no one reviewed this while I was told when I checked on status there were no problems. On XX/XX/XXXX when i was informed of the above problem with my deed, I began the process of refinancing with another bank. I was able to lock in at XXXX instead of XXXX interest rate and it finalized on XX/XX/XXXX, a total of approximately 3 weeks. While I can accept that banks have different guidelines, it is unreasonable for Fifth Third to notify me after having my deed for nearly 5 months that they could not complete my refinance without me filing my ladybird with the county and starting the refinance process all over again and waiting 6 more months! I tried to stay loyal to the bank that had my existing mortgage and unfortunately it cost me not only 1 % interest rate but the {$390.00} appraisal fee that they refuse to refund. I did not think a refund of the {$390.00} appraisal fee paid on XX/XX/XXXX via my debit card was unreasonable for services that could not be performed. Below is an outline of the attempts I have made to resolve this matter. I also have saved my email correspondence should you need it. XXXX XXXX-Began refinance with Fifth Third Bank XXXX-informed title would need to be changed, filed with county and after approved refi begin again. XXXX XXXX was to forward my request for appraisal refund to management. No one from bank contacted me. XXXXSent email to several members of Fifth Third Bank what happened above and the manager XXXX XXXX replied she would forward to mortgage dept. No one from bank contacted me. XXXXStopped in bank and saw XXXX XXXX. She was apologetic and sent another email to the mortgage department regarding the refund. No one from the bank contacted me. XXXXI sent another email to XXXX XXXX asking for update. I heard back from a XXXX XXXX or XXXX XXXX in the mortgage department that said I was not approved for the {$390.00} appraisal fee refund. When further discussed he said it was simply his job to deliver the news. He did not have to agree with it but there was nothing he could do. I can not believe a large bank would do this to a customer that tried to give them their business. They were not able to complete the refinance after 6 months and I do not think their decision to keep my appraisal fee for a refinance that could not be completed by them is fair.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: RE : XXXX # XXXX My mortgage loan is with Fifth Third Bank. I've been making extra monthly payments XXXX curtailments XXXX of {$450.00} that is automatically withdrawn from my checking account ending in XXXX. My checking account is also with Fifth Third Bank. Fifth Third withdrew {$450.00} from my checking account on XX/XX/21, credited my mortgage account but then reversed the transaction. Regardless of the reason for the reversal, the funds have never been credited back to my checking account.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am refused access to my checking account online unless I agree to a Digital Services User Agreement. Such an agreement is not necessary and has never been required before. It is an intrusion and requires me to be subject to unnecessary online contact.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Good morning, Please see my attached letter to Fifth Third Bank ( mailed via certified mail on XX/XX/2021. ) The letter details my complaint, the lack of response from Fifth Third, Fifth Third 's loan servicing practices, etc. The main issue is how can Fifth Third send me a monthly statement on my home equity line of credit and my payoff balance be so radically different from what appears on my statement. I really question the legality of this along with the fact you can never reach a live person at Fifth Third Bank that can answer any of your questions. Secondly, it took me over 4 months to get 3 old liens released from the title record on the property. These were old mortgages from XXXX that I refinanced with Fifth Third! They could not reconcile their own record-keeping for 4 months! Please see attached letter to Fifth Third along with my last 2 monthly statements, the payoff letter for my home equity line of credit and the transaction history Fifth Third mailed to me. Please do not hesitate to let me know if I may provide you with any additional information. Thank you, XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43085
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: MB financial sold my mortgage to fifth third bank in XXXX. I paid faithfully since XXXX when I bought the house. I received a letter in XXXX saying my taxes were not paid for 3 years. Fifth third bank held my escrow account money and never paid my taxes for 3 years. I received a letter saying they paid XXXX for the whole 3 years of taxes finally and now wants me to pay back my own escrow acoount the XXXX XXXX dollars. They also raised my mortgage from XXXX per month to XXXX per month! What did they do with 3 years worth of my escrow account money?? Now I will lose my home????
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Fifth Third bank has improperly reported on my credit report a late payment. I have tried with them and through the XXXX to get them to reverse it and they refuse. I contacted them the day my business was mandated closed by our state and had numerous phone calls and emails with numerous staff and not once was I told that I had to call any other person or number to note that my small credit card also needed stopped. My mortgage, business line of credit, and bank accounts all were stopped vis the branch manager and the staff I called or emailed and I had no idea I had to contact yet another number for the small crest card I have with them. The CARES Act notes that once you contact them they should stop all reporting. Fifth Third did not specify that multiple parts of their company needed to be contacted. The branch manager even tried to help me with this because it is absurd considering the volume of communications and problems I have had to try to survive through this. I contacted them even before any COVID processes were in place and then almost daily for weeks with the issues I had. As a small business owner trying to survive, this has hurt my credit report SO much. The payment was only {$35.00} and I have almost all of may accounts with them Not only did they not tell me to call another area for this, I never did not have {$35.00} to cover this. This is sheer harassment and unethical in such a time.
Company Response:
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They have contacted me over the phone a few times trying to get me to settle and I disputed the {$400.00} XX/XX/XXXX. Back in XXXX one representative said the whole account was in correct and tried to fix it but never did.
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021, I received a direct deposit that I was expecting from a customer named XXXX XXXX from Fifth Third Bank to my XXXX XXXX checking account. The amount deposited by XXXX XXXX was XXXX -- the information regarding this direct deposit that appears on my XXXX XXXX accoun statement is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Approximately 10 days after the direct deposit was made, Fifth Third Bank recalled the direct deposit claiming is was a fradulent deposit. Someone had to fill out the paperwork for this direct deposit, and someone had to sign off on it to make sure the reciever 's bank acct. # and routing # were correct. THe fraud does not originate with me. After Fifth Third Bank notified XXXX XXXX, my account was frozen. At the time I had a little over XXXX of my money in the XXXX XXXX account. The money shows as available funds in my account but I can not access it. XXXX XXXX can not help me because the information they have on the sender is confidential. They suggested I call Fifth Third Bank and explain the issue to them. I provided the infomation regarding the direct deposit listed above, but Fifth Third Bank can not provide me with any information because it is confidential, nor can they follow up on the status of the bank 's investigation of the account holder with the information I provided. This is literally all the money I have in the world. It came from an early withdrawal from my IRA. My XXXX XXXX XXXX daughter is in hospice care in the final stages of a terminal XXXX. A large portion of my money had been set aside for her funeral expenses. XXXX XXXX keeps extending the date they will close my acount because Fifth Third Bank has not ask for my money. The XXXX had already been used toward debt I have accured because I am not working so that I can care for my daughter in her final days or weeks. No one can provide me with a time table as to when this will be resolved. I am on the verge of bankruptcy. I did not commit any type of fraudulent act. If fraud has occured, it originates from Fifth Third Bank. They are rife with fradulent accounts that were set up by their banking associates. That should be their problem, but it has become mine. Can you help me? I have already left messages for the appropriate parties with the FDIC. My name is XXXX XXXX my account number with XXXX XXXX is XXXX. My phone number is XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Thank you in advance.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A