Date Received: 2021-03-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I was a victim of predatory lending practices by 5/3 bank. I was rushed to sign a waiver of my Homestead rights at a closing. My ex-husband was their borrower. I was the co-owner. After signing the Deed their closer and mortgage broker slipped a signature paper to sign. That paper had in small print that I am waiving my Homestead rights. I was rushed into signing that page without disclosure or explanation. I believe the whole mortgage was a mortgage scheme by this bank, they made me sign this in attempt for a speedy foreclosure if it gets to that point. 5/3 bank had took advantage of my disability and they sure discriminated against a XXXX person.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/2021 While attempting to make a payment on credit card online. Bank would not provide me with CreditCard Number to be able to logon to and set up online payments. On the bank statement the account number/card number is X out. In full disclosure, the account is a closed account that I am willing to pay back. But when I call customer service at XXXX they would not provide me with account even after asking multiple verification questions, yet the want me to go to a branch and get account number
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. FIFTH THIRD BANK Inquiry : XX/XX/2020 XXXX XXXX XXXX Inquiry : XX/XX/2020
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: in XX/XX/2020 I pulled my credit report and my XXXX XXXX in hope of purchasing a new home to find out someone has opened accounts in my name with out my authorization I contacted them but they refused to remove this fraudulent erroneous item from my report. below I will attach proof that I was a victim of identity fraud.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 15236
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a notice regarding an escrow short fall. In that notice I was advised that if I sent a check to cover the short fall my payment would remain unchanged. The notice did not allow for any other payment method other than to send a check via USPS XXXX XXXX XXXX - I sent a check for the short fall which cleared 2 weeks later My mortgage amount changed anyway by an amount less than {$10.00}. The automatic payment is still unapplied. XX/XX/XXXXAfter receiving numerous calls from Fifth Third with no response when I answer, I called and after being bounced around to several departments and spending over an hour on the phone, I was told there was a short fall of {$6.00} and if I made the payment there was nothing else to do. This amount differed by about a dollar from other communications I had with the bank but was assured that {$6.00} was what I needed to send them to clear up the problem. XX/XX/XXXX Payment for {$6.00} appears online and is still unapplied. More harassing phone calls but someone finally answers when they call, I request to speak to a supervisor who assures me that the late charge would be waived once they confirmed the payment was received. XX/XX/XXXXSeveral more phone calls from the Bank 's collection department and again, no one responds when I answer the phone. XX/XX/XXXXI receive another phone call and after a long wait I speak to someone and request I be sent an email with the exact amount necessary to get the bank to apply payments. They refuse. I now have a late charge on my latest statement and since the balance due on the statements has never meant anything in the past, I have no idea how much I really need to send them or what my regular payments should be. There is no email or USPS mailing address on the customer service site so there is no way to establish a documented trail of the issues. We ran into this sort of problem less than a year ago over {$0.00}. We have spent sever hours on the phone to no avail.
Company Response:
State: FL
Zip: 32080
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Paid off my car a XXXX XXXX XXXX cant seem to get my title from a body need help bought car at XXXXXXXX XXXX XXXX financed my car at fifth third bank if you could get back to me ASAP that would be great. Thank you very much XXXX XXXX
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2020, I submitted a payment of XXXX as a direct deposit payment and a payment confirmation of that date and payment I submitted was confirmed and I printed a copy of the record, on XX/XX/XXXX I called 53rd bank to ask why I was reported late on my credit report, representative from the bank said no payment was received from me, after sharing my confirmation number and reason why that occurred was on a technical level issue on behalf of the bank, representative agreed to reverse the late payment fee adjustment as it appears on record and along my confirmation that I printed at the time, knowing that my XXXX shut down due to coronavirus in mid to late XXXX reason for my late response to the technical error on the 53 bank website. The representative said reversing the late fee will automatically remove my negative reporting to the account and this has not been completed and it has neglected my ability personally while a victim of business interruption of the pandemic and a victim of XXXX XXXX illness shortly after. Also monthly payment are electronically shown paid and that the count of payments made versus if any missed doesnt add up to a completely 30 days of no such payment and my records are available to provide clearly.
Company Response:
State: MI
Zip: 48382
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I removed my pension from XXXX due to identity theft. I deposited the funds into a newly open account with 5/3rd. It was put mainly in a savings account. My husband has XXXX and XXXX XXXXXXXX XXXX. I agreed to use my savings to remodel the basement for him. 5/3rd has put a hold on all my accounts and will not allow me access to the funds.
Company Response:
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The issue is that the XXXX and I have requested over and over the payment history for the yearXX/XX/XXXXand they do not deliver the required documentation so that the gap company can pay, in the mean time they keep hitting me with late fees and calling me sometimes 2 to 3 times a day. They have also reported me to the credit bureau.
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A