Date Received: 2020-10-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: 1. Delayed mortgage discharge issuance 2. Massachusetts XXXX requires that lenders provide the closing attorney a mortgage discharge within 45 days after the acceptance of full-payment and that has not occurred. The delay is causing me financial hardship as I can not close on a home equity line because of this. I have spoken with them several times and can not seem to get anywhere with them on this. I am reaching out for help to get this resolved ASAP. 3. Fifth Third Bank was paid in full on XX/XX/20 however no mortgage discharge has been sent to my closing attorney. I would like them to send a mortgage discharge to my attorney XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. 4. The lender is Fifth Third Bank XXXX XXXX XXXX XXXX, OH. My account number is XXXX. 5. My name is XXXX XXXX. The property address is XXXX XXXX XXXX XXXX, MA XXXX.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I applied for a re-finance mortgage on XX/XX/2020. I was told the process could take 90 days. The first week I submitted all required documents. After that, nothing has happened. I have made several attempts to call, email, and have gotten no response. I can not get a response from Fifth Third on where it stands.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2020, I received an unauthorized charge on my 5/3 credit card. I immediately contacted 5/3 bank and cancelled my card and ordered a new one. 5/3 credited the unauthorized charge of {$99.00}. On XX/XX/2020, I received a notification that their investigation team found the charge to be legitimate. The information they received from the thief, through XXXX XXXX, consisted of a fake business name, fake business phone number with an area code that does not exist, and a fake business Email address that is from a known spam Email server ( XXXX ) from which major Email accounts such as XXXX, XXXX, and XXXX will not accept Email. They also received a screen shot of a XXXX tracking confirmation order that did not contain my name or address. Had 5/3 done some actual investigation, they would have found the business name, business Email, and business phone number were all fakes. 5/3 made zero attempts to contact the business that was the supposed seller. If 5/3 would have contacted XXXX directly and inquired about the transaction number on the XXXX screenshot they received, they would have discovered the transaction number is connected to a purchase and delivery of an item, not from XXXX XXXX, but from XXXX, by a Mr. XXXX XXXX. 5/3 repeatedly presents fraudulent information received by a thief for the reason I am responsible for this unauthorized transaction. As 5/3 is currently being reprimanded by the FTC for opening fake accounts to deposit money stolen from their customers, their fraudulent activity is nothing new. I, on the other hand, have more than six credit cards with XXXX balances on any of them. I had delinquent account reports sent to all three credit bureaus over this unauthorized transaction. 5/3 went against the FTC by not adding a comment to the delinquency notice that I disagreed with the fraudulent charge. 5/3 broke their written contract to me by sending information to the credit bureau while ongoing investigations were taking place. They also went against FTC guidelines by not completing the investigation in 90 days. They went against Mastercards 100 % buyers protection policy by refusing to credit this fraudulent transaction, when I presented to them 100 % proof the transaction was fraudulent. And 5/3 committed fraud themselves by presenting false documents to any and all credit watchdogs made aware of this matter. I supplied 5/3with definitive evidence that the tracking number they present as proof of my receipt of an item has nothing to do with me. I have also submitted this proof, along with police reports to those to whom it may concern, as 5/3 is only interested in submitting KNOWN fraudulent documents and breaking contracts in order to stay afloat for a few brief moments before their illegal business practices force them to close. They sealed their fate with their illegal actions. My only mistake was dealing with the thieves and liars that make up 5/3 bank.
Company Response:
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have applied to refinance two home loans with Fifth Third Bank. The applications were completed at the end of XXXX and I was told it might take 3 months to complete. We are closing in on 5 months, now. I am continually told that everything is in process but can not get a firm answer about approval or closing. My loans are straight forward, no risk loans. One is for 20 % XXXX ( XXXX ) and the other 65 % XXXX ( XXXX ). I am high net worth individual. I have talked with XXXX XXXX, Loan Originator and XXXX XXXX, Loan Underwriter. I can't get a straight answer. I feel misled and an application should not have been taken if this instituition can't process loans with 5 months time.
Company Response:
State: TN
Zip: 37205
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: Since XX/XX/XXXX, we have been having a problem with submitting auto loan payments to Fifth Third Bank XXXX. We took out the loan in XX/XX/XXXX, which we obtained through our local car dealership, XXXX XXXX, and we have not encountered any problems until now. In XXXX the check that I submitted to them on time never cleared my bank. I tried to contact them by telephone and online ( www.53.com ) and can not get through to anyone at XXXX. I have tried numerous times. The one time I did manage to get a live person on the phone, the person hung up on me before I could say anything. I received a letter from the bank dated XX/XX/XXXX asking for me to resend the check, which I did within two days of receiving it. I sent the second check for the XXXX car payment on XX/XX/XXXX. I sent the second check certified and return receipt requested through the postal service. To this date, XX/XX/XXXX, neither check has cleared my bank. I have informed my local branch bank. The XXXX check is coming due and I do not know what to do. I saw in the news online recently ( In XX/XX/XXXX ) that Fifth Third Bank XXXX has a lawsuit against them for unethical practices, and that they recently charged 11 employees with stealing funds from customers. I am concerned and wish to resolve this problem. I have never missed a payment or been late with a payment.
Company Response:
State: NC
Zip: 27546
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I submitted a payment for a normal installment of my loan after the grace period but within 30 days. I was under the assumption that I had made the payment, albeit late, but within the 30 day time after which I would be reported to credit bureaus for a late payment. I assume there was a bookkeeping/technical malfunction, as the payment did not process. I am worried that I will stand to have my credit severely affected by this. I have never had a +30 day late payment on any of my accounts before and want to have this one forgiven/forgotten if possible. I want to do everything I can to avoid that late payment and the chances that it may occur again. I have registered in auto-pay with the loaner going forward and called the company to 1 ) pay both payments for the account XXXX and XXXX payments for 2020 ) and 2 ) see if this instance would be reported The representative from Fifth Third Bank referred me to the FTC.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SUMMARY : Fifth Third Bank enrolled me in a payment deferral program without my authorization or knowledge, XXXX XXXX-style. Despite my multiple attempts and many hours spent on communication since XXXX, they have been unable to correct their mistake, or to provide me any details of the additional interest accrued during the period of their fraudulent enrollment of me into a program I never requested, nor ever approved. DETAIL : In XX/XX/2020, I called all of my creditors to inquire about any deferral plans offered. This included Fifth Third Bank, with whom I had a HELOC. With other creditors, I was able to converse directly with a representative, and received written details of their offers. With Fifth Third Bank, I was given only the option of leaving a voice message. As no one from Fifth Third returned my voice message inquiry, I let it drop. ( I ultimately did not opt to enroll in any of my creditors ' deferral offers. ) In XXXX, having drawn additional funds from my HELOC, and noticing that the monthly autopayment amount extracted by Fifth Third from my checking account had not increased, I inquired with my local branch. After a week, a branch representative informed me that I would need to inquire via a toll-free telephone number at Fifth Third Bank to learn about the status of my account. Throughout XXXX, and multiple calls to Fifth Third Bank 's toll-free number, I learned that I had been enrolled in Fifth Third Bank 's payment deferral program at some point between XX/XX/2020 and XX/XX/2020. Upon learning this news, I requested a copy of Fifth Third Bank 's proof of my authorization or agreement or acknowledgement that I had opted to enroll in Fifth Third Bank 's payment deferral program. Despite requesting a case number, reference number, direct contact details, or even the first and last name of the representative fielding my calls, I was told that none of these, other than the representative 's first name, was available to me. With hold times for reaching anyone exceeding 30 minutes, and having to start from the beginning each time I called, and being told each time that they would investigate, I was finally, on XX/XX/XXXX able to reach a supervisor who acknowledged that I had been signed-up for payment deferral without my knowledge or agreement or authorization. I requested to the supervisor, XXXX, the total balance due had I not been enrolled in the program. I informed her that I would like to make all payments due to date, and to have the accrued interest credited to my account. She agreed, and informed me that it would take until XX/XX/XXXX or XXXX to make the calculation and communicate it to me. I thanked her, and asked for her extension number so that I could call her if she did not call me back by XX/XX/XXXX. She informed me that she would be out of the office all week, and that she was handing my case to her colleague, whom she assured would reach out to me by XX/XX/XXXX. She shared her colleague 's direct line and extension number with me, and I confirmed it with her twice, and then marked my calendar for XX/XX/XXXX. On XX/XX/XXXX, not having heard back from anyone at Fifth Third Bank, I dialed the direct number that had been provided to me the week prior. When a Fifth Third Bank representative answered the line, I shared with him the extension number and was told by the representative that the extension was not in the company directory. So I provided the first name the supervisor that XXXX had providedXXXX. The representative stated that there was neither a XXXX nor a XXXX in his directory. The representative invited me to share my issue with him. Having had to repeat my story from the beginning several times already, I asked if he would transfer me to a supervisor. He agreed, and I spent 37 minutes and 19 seconds on hold for a supervisor. When a representative answered, my phone was unfortunately on Mute. In the three seconds it took to unmute my phone, the representative hung-up. It appears that Fifth Third Bank has un-enrolled me in the deferral program because, during my time on hold, the recording stated a payment amount that was significantly higher than the monthly payment amount being withdrawn from my Fifth Third checking account since Spring 2020. It does not seem legal or ethical to enroll a customer into a program that was not requested, not authorized, or agreed to by the customer, and then not notifying the customer that they had been enrolled in that program. Further, not giving the customer any route to remedy the situation, even after more than six hours of effort, is beyond frustrating. My request is for a monthly accounting of the HELOC account as it would have been with no deferral plan, for Fifth Third Bank to refund accrued interest due to the deferral program, and to accept my lump sum payment for whatever amount would otherwise have been due over the months that I was unwittingly enrolled in the bank 's deferral program. I would also like to request, going forward, to not be forced to participate in any optional Fifth Third program without my acceptance, agreement or authorization. Thank you.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Originally filed a complaint in XX/XX/XXXX regarding same issue. Just contacted by XXXX XXXX XXXX XXXX XXXX that my payment is past due ( XX/XX/XXXX ). The check # XXXX for {$50.00} has not cleared. I have been assessed a late fee of {$25.00}. To date I have incurred {$120.00} in late fees ( XXXX XXXX and XXXX XXXX ) due to 53rd Bank 's Bill Pay Vendor using paper checks and not electronic. Also, received cancellation notice from XXXX XXXX XXXX for non payment ( paper check ). Due date was XX/XX/XXXX, paper check dated XX/XX/XXXX, XX/XX/XXXX no payment to XXXX XXXX XXXX so cancellation notice sent to us and lien holder. 53rd Bank Bill Pay Vendor is late again in processing my bill payments. The vendor continues to submit paper checks in lieu of electronic payments. My bill payments are schedule more than 5 days in advance of due date but yet still the paper checks are not clearing by due date thus I am incurring late fees and additional risks of my credit history being jeopardized. Recently, 2 of my bill payments via paper check took 10 days to clear.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ... Please proof I was late on this as account it reporting different on all three credit agencies. FIFTH THIRD BANK NA # XXXX
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My account had a balance of XXXX. I took an XXXX XXXX, then spent XXXX at XXXX and ordered a XXXX XXXX. This left me with XXXX. I transferred in XXXX into my Fifth Third Bank Account. They stole XXXX leaving me with a balance of XXXX. They keep stealing small increments of cash as if I don't notice. I want my XXXX back now. I have perfect math skills. Give me my XXXX back. Me and a witness watched them do it. I only used my card at 3 businesses and keep all receipts.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A