Date Received: 2020-12-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Despite the fact that my mortgage is at an LTV of approximately 65 %, 5th 3rd bank force placed an escrow account on my mortgage, and has raised my monthly payments by over {$600.00} per month. I have a condo and all flood insurance and home owner 's insurance is collected through my HOA dues and paid by my HOA. I pay my property taxes myself directly to the county. 5th 3rd force placed insurance on my property because they did not contact the insurance agent to get evidence of insurance when it was time to renew. Once I finally got that resolved, they stated they needed to set up an escrow account to collect for taxes for the year XXXX, due in XXXX. Again, this is despite the fact that I paid my own taxes in XXXX. I am in the process of refinancing, primarily to get the servicing of my mortgage away from 5th 3rd Bank. On my payoff letter, 5th 3rd is requiring payment of over {$3500.00} in XXXX property taxes that have not yet been billed, and that they are not going to pay, as they will no longer be the servicer on my loan. This has delayed closing on my refinance and cost me extra interest expense each day this goes on. They advised me to bring the additional $ XXXX to closing and they will supposedly refund it to me. DO NOT USE 5th 3rd Bank for your mortgage needs, or any lending need!
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: In XX/XX/2020 I noticed 26 charges from XXXX for {$90.00} all in a row and then there was one for {$26.00} and another for {$63.00} from a XXXX. I immediately called my bank, Fifth Third, to put in a fraud case, which they did. They refunded my money after 7 days and waited for the case. Well XXXX is saying they have my information and that these charges are valid, so my bank just believes them and doesnt fight it resulting in them adding all these charges back onto my account and over drafting my account by {$2200.00}. They didnt fight it, they didnt notify me, they just believed what XXXX said. They wont waive over draft fees that I will incur which is over {$1000.00} in overdraft. I havent had a XXXX in over 5 years and even when I did, I never played games or put in my credit card information. We strictly used it to play XXXX Discs. My bank is not helping me out in anyway when Ive told them repeatedly these are fraud charges! 28 charges in a row, one right after the other, and they didnt catch it. I just need any help I can to get that money back. They told me to take it up with XXXX. Im desperate at this point
Company Response:
State: IL
Zip: 60487
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The mortgage lender claimed that I did not have HOA insurance on my property which is not true. I have the official copy of the HOA insurance and tried repeatedly to provide the proof of insurance to the lender via website, email, and phone. Every time I talked to a customer service agent from the lender, they assured me that the information I provided was sufficient and the problem would be solved. However, the lender kept sending me the letter saying I did not have the insurance and threatened to charge me {$45000.00}. And the lender has already started to change me. I again tried to provide my proof of insurance to the lender. But they have not accepted it yet.
Company Response:
State: TX
Zip: 75231
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Fifth Third Bank reported my mortgage payment late i have never been late on my mortgage and take pride in paying my mortgage on time and at at time like this fifth third should have reached out to me via phone and by writing a letter 5/3 reported a late payment to my credit which dropped my score 80 points I called 5/3 and was told they never received the payment but how the agent informed me that 5/3 was having payment processing issues which is the reason they waited to take the funds from my account i would lke the negative remark removed from my credit
Company Response:
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I am a new resident to XXXX XXXX and they require a copy of my original sale agreement/note/sales contract in order to register my car. On XX/XX/XXXX I called 5/3 Bank ( XXXX ) XXXX on XX/XX/XXXX and requested a copy of my sales agreement and was told it would be emailed 2 business days later and it was not. I then called again on XX/XX/XXXX and expressed the sense of urgency as it is causing me a financial hardship and I was told it would be faxed to me within 2 business days and emailed again within 2 business day, except they would request the fax on a rush. This did not happen. Again I called on XX/XX/XXXX and was told there was nothing they could do and that they would send it to their research department which would take another 2-3 BUSINESS days. The supervisor XXXX refused to escalate the matter and this is why I'm writing this complaint. This has caused me extreme duress and financial hardship as I can not register my car in DC and the VA tags have expired. This means I can XXXXot drive anywhere and I have to XXXX which is cost me money.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I bank with Fifth Third and have over {$10000.00} in cash in the account. I also have a credit card of {$8500.00} which I obtained last XX/XX/2019. I have never missed a payment and paid off the card! I have stellar credit. This is by far the worst bank. Incompetent. Six weeks to pay a balance transfer and they take no responsibility for there incompetence. Horrible. I could not even make a {$40.00} purchase and I have over {$100000.00} in credit! I am closing my bank account and I can not even get my cash out of my own bank account due to bank being closed. There customer service is horrible. Overseas people that can not speak English! No response by executives XXXX XXXX or XXXX XXXX as to explain why my credit line was reduced by no fault of my own!!!! This is incompetent and unprofessional!
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2020 went into fifth third bank at XXXX XXXX XXXX XXXX XXXX in XXXX ( not my bank ) and received 1 cash advance for XXXX with my XXXX XXXX. My credit card company listed me receiving 2 cash advances. First called bank fraud department who said I must dispute thru credit card company which I did. They closed investigation out even though fifth third sent documentation that only 1 transaction occurred and has batch report proving only one credit card advance for XXXX occured. XXXX XXXX says that the bank ran two advances regardless of the proof provided to XXXX XXXX of only one. XXXX XXXX says only way they will reverse charge is if the bank provides in writing its plan to reimburse me or them credit card company said I needed to take my statement into fifth third which I did XX/XX/XXXX and sat with bank manager for an hour who said she needed to contact their internal department to figure out where that XXXX went since it was not given to me. I call and bank manager doesn't speak to me just tells them to tell me she is still working on it. Fifth third f raud department refuses to launch investigation stating it's their policy that I dispute with credit card company. Credit card company refusing to do anything and closed dispute even though fifth third bank manager called and spoke to XXXX XXXX dispute department supervisor and explained it was their fault what can I do?
Company Response:
State: IN
Zip: 47711
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I WENT TO A XXXX IN XXXX CA ON XXXX XXXX TO GET {$400.00} DOLLARS OFF MY CARD AND THE TRANSACTION FAILED NO MONEY WAS DISPENSE OUT THE ATM. AFTER THAT I WENT ACROSS THE STREET TO XXXX XXXX TO GET THE MONEY OFF MY CARD, IT SAID UNABLE TO COMPLETE TRANSACTION. CALLED MY CARD BECAUSE I KNEW I HAD A DIRECT DEPOSIT THAT DAY OF {$400.00} PLUS DOLLARS AND IT SAID MY CARD BAL WAS {$31.00} I IMMEDIATELY WANTED TO TALK TO SOMEONE AT XXXX THE REP TOLD ME I HAD A WITHDRAWL OF {$400.00} FROM A XXXX I TOLD HER WHAT HAPPEN SHE TOLD ME I HAD TO FILE A DISPUTE AND TRANSFERED ME TO THE DISPUTE DEPT WHILE WAITING ON HOLD THE REC SAID TRY TO RESOVE WITH THE VENDOR FIRST MY HUSBAND WENT IN AND GOT THE NUMBER OFF THE ATM FOR XXXX AS WELL OF TALKING TO THE MANAGER OF XXXX WHO SAID THEY HAD BEEN HAVING PROBLEMS THE ATM FOR THE LAST 6 MONTHS I CALLED THE XXXX PEOPLE THEY TOLD ME THEY SEEN WERE THE TRANSACTION FAULTED BUT I WOULD HAVE TO CALL XXXX TO GET MY MONEY BECAUSE THEY APPROVED THE TRANSACTION BUT THEY COULD CALL THEM AND THEY WOULD LET THEM KNOW THE TRANSACTION FAULTED. CALL XXXX BACK THEY TOLD ME I HAD TO FILE A DISPUTE REGARDLESS AND WAIT BUT I SHOULD HERE SOMETHING FROM THEM BY THE END OF THE WEEK KEPT CALLING SENT IN MY RECEIPT THAT THE TRANSACTION DENIED AND THE SUPERVISOR CALLED ME AND TOLD ME HE RECEIVED THE RECEIPT AND TO WAIT. I ENDED UP TALKING TO THE SUPERVISOR XXXX EMPLOYEE NUMBER XXXX WHO TOLD ME BY THE XXXX OF XXXX MY DISPUTE WOULD BE OVER AND I WOULD HAVE MY MONEY IN MY ACCOUNT ON THE XXXX NO MONEY CALLED IN AND TALKED TO ANOTHER SUPERVISOR WHO TOLD MY THAT SUPERVIOR MADE A MISTAKE AND IT WAS THE XXXX OF XXXX WHEN MY DISPUTE WOULD BE OVER ON THE XXXX NO MONEY CALLED IN AND TALK TO SUPERVISOR XXXX XXXX AND TOLD ME HE WAS SENDING FOR A UPDATE AND THEY HAD MAILED ME SOMETHING ON THE XXXX OF XXXX REGARDING MY DISPUTE AND WHEN I WOULD GET MY MONEY. I TOLD HIM I NEVER REC ANYTHING IN THE MAIL AND VERIED TO MAKE SURE THEY HAD MY RIGHT ADDRESS WHICH WAS CORRECT. HE PROMISED ME HE WOULD CALL ME BACK AND 24HRS HE WAS SENDING FOR A UPDATE OF MY DISPUTE NEVER CALLED. THIS HAS COMPLETELY STRESSED ME OUT I HAVE CALLED AND TALK TO SO MANY PEOPLE IN THE DISPUTE DEPT TELLING ME LIE AFTER LIE. I CALLED THIS MORNING XX/XX/XXXX TALK TO ANOTHER SUPERVISOR AND HE TOLD ME HE'S GOING TO SEND FOR A UPDATE I TOLD HIM IF THE OTHER SUPERVIOR SENT FOR A UPDATE THEN IT SOULD ALREADY BE IN THE COMPUTER HE SAID HE DIDN'T SEE A UPDATE NOW HE TELLING ME IT COULD TAKE UP TO 90DAYS WHY WASN'T I TOLD THAT IN THE BEGINNING IT'S LIKE THEY KEEP TELLING LIES TO STRING YOU ALONG. WE ARE ALREADY IN A PANDEMIC AND I HAVE SEVERAL HEALTH ISSUES WHICH I HAVE TOLD THEM THEY DONT CARE I WAS ON MY WAY TO GET MEDS WHEN I DIDN'T GET MY MONEY ON XX/XX/XXXX. I CHECKED ONLINE THIS MORNING BECAUSE I WANTED TO SEE IS IT ANYONE ELSE HAVING THESE PROBLEMS AND XXXX HAVE COMPLAINT AFTER COMPLAINT. NOT GOOD I JUST NEED MY MONEY THEY HAVE PUT ME BEHING ON A LOT OF THINGS I ENDED UP BORROWING MONEY TO BE ABLE TO GET MY XXXX XXXX AND PAY ON MY RENT. I NEVER SEEN NOTHING LIKE THIS IN MY LIFE AND I ALSO CALLED XXXX IN TEXAS AND THEY SAID IF WISELY HAD FILED A REG E DISPUTE IT SHOULD HAVE BEEN RESOVLED BY NOW HELP PLEASE
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, MB FIN SVCS add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: OH
Zip: 44112
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX I noticed that there were 2 transactions in my Fifth Third checking account that were not initiated by myself or my husband. Both transactions were completed using the XXXX service which is offered through our 5th 3rd mobile app. Transaction # 1 was done on XX/XX/XXXX at XXXX XXXX {$990.00} was XXXX to recipient XXXX XXXX via phone number XXXX Transaction # 2 was done on XX/XX/XXXX at XXXX. {$990.00} was XXXX to recipient XXXX XXXX via email address XXXX On XX/XX/XXXX I called 5th 3rd Bank to file a dispute for both of these transactions. I was told that the investigation would take 7-10 business days. I spoke to 5th 3rd on Monday, XX/XX/XXXX to follow up on the investigation and I was told that the case was closed as they determined the charges to be correct. Obviously upset with this outcome I requested that the care be re-investigated. I was told that they would reopen the case, investigate but that since it was a XXXX person to person transaction its treated as cash and XXXX will not refund 5th 3rd. Therefor 5th 3rd will not be refunding my account for these fraudulent charges. I have tried numerous times to contact XXXX at XXXX. It is literally impossible to speak to a person at XXXX. I completed an email dispute form with them but have heard nothing. Their website says that You may also report the user directly to the FBI Internet Crime Complaint Center at https : //www.ic3.gov/default.aspx. on XX/XX/XXXX I made a comment on XXXX 's XXXX page and they XXXX messaged me to " offer to help ''. I shared with them via XXXX messenger what has happened. Hoping that finally I've been able to connect with XXXX and may they will help me, I check the message. They did not read the message and blocked me so I am no longer able to communicate with them. I have included copies of the XXXX confirmations for each transaction. I have spoken to Fifth Thirds dispute department several times. That phone number is XXXX. The claim number is XXXX. If you need any other information, please dont hesitate to call me at XXXX. Thank you for your help in this matter. Its very much appreciated.
Company Response:
State: IL
Zip: 60538
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A