Date Received: 2020-08-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I started the process of applying for a loan refinance in XXXX with Fifth Third Bank. I worked with XXXX XXXX NMLS # XXXX and XXXX XXXX NMLS XXXX. They both validated that all information that was needed had been submitted by XX/XX/XXXX and that the loan would be moved to underwriting and would close in early XXXX at the latest. I have reached out in writing multiple times and left multiple emails for them to give me an update. The only reply I have gotten is that there is no update to give. It has now been over XXXX months for this process. Today XX/XX/XXXX, I received a call from someone representing Fifth Third bank that they needed my payroll information again because it had been so long. It is unbelievable that they have taken so long that my documentation is no longer in date. I feel that it has been well over the allotted time to process this loan and I would not like for anyone else to go through this experience.
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a prior complaint against Fifth Third Bank, # XXXX, that was closed because they responded. Although they responded, I still have not been given the information I requested which is to have someone go over my account with me over the past year or, send me the information showing mortgage and escrow payments made with a balance after each transaction because I am alleging that one or more of my escrow payments may have been misapplied or not applied at all. In her XXXX XXXX, response to my undated letter, a copy of which I also sent to CFPB, Ms XXXX XXXX stated that A letter providing more information will be mailed to you at the address on file within fifteen ( 15 ) to twenty-five ( 25 ) days, which I do not under stand why it would take almost a month to sent me the payments and balances made on my account over the past year. I have yet to receive any information from Ms. XXXX. I believe I have been patient and waited long enough for information that should be electronically accessible. Fifth Third Banks responses are so apologetic but that is not what I am looking for. They need to do better. What I am looking for is a history, over the past year of mortgage and escrow payments with a balance after each transaction.
Company Response:
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have currently been on hold for 1 hour and 50 minutes being sent from one ignorant operator to the next. I work very hard form my money and I contacted the bank immediately after I recognized a charge I did not approve. When I asked the bank I trusted with my funds to stop payment on the unauthorized charge I was told nothing can be done until the charge goes through. Once the charge went through I called the bank and disputed the charge explaining that I had closed and account and was supposed to be sent a final bill but the company just applied the full amount to my account on file without my approval. I was told that I would hear back from the dispute department but no one ever disclosed that there would be a 90 day wait period to get MY MONEY back. No one disclosed that I could even dispute the charge with the company that applied it to my account now my account has fees and fraudulent charges totaling to over 600 dollars and my family can not afford to eat or buy gas to get to work. Its horrible that billion dollar companies take advantage of customers with limited funds but it causes even more detriment during a pandemic. Also when I asked how do I know that my complaints have been filed correctly if no one will give me a name or reference # for my complaint and customer service reps gave me nicknames like XXXX and XXXX. Nothing that I could use to report specific poor attitudes. A complete disgusting and disgraceful experience. Truly upset
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: the bank misapplied a payment for XX/XX/2020 after 6 weeks the say all is well now my statement shows {$15.00} past due big deal? it must be to them from the number of phone call from them. there is no past due amount the problem has not been fixed what a shame to have to go to a government agency for customer service!!!!!
Company Response:
State: FL
Zip: 34231
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted Fifth Third Bank in XXXX to request additional payment assistance as a result of being impacted by Covid-19 and the economic shutdown. I was informed that I could get on a hardship payment plan that was to include reduced payments of {$31.00} per month and 6 months of 0 % APR and that there would be no negative credit reporting. I agreed to these terms and I was told that I was enrolled and the plan. I made my first {$31.00} payment on the same day. It now appears that even though I made my {$31.00} payment as agreed, I was never enrolled in any sort of hardship program, my minimum payments have not been adjusted, and this account is reporting to the credit bureaus as delinquent.
Company Response:
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I requested a deferment and received a deferment agreement from Fifth Third Bank. in the agreement it stated the company was going to defer my XXXX, XXXX, and XXXX payments due to COVID and i was told this would prevent negative marks going on my credit report. But they put negative marks on my credit report anyway. When i asked them to remove them due to the agreement, they said they couldn't do that and told me i needed to file a complaint with the FTC, they FTC sent me to this website.
Company Response:
State: CA
Zip: 95215
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Paid the auto loan off entirely in XXXX. Never heard from 53rd until I checked their site and saw a {$150.00} payoff fee in the description. Was 53rd just going to hold my title forever unless I called in?? I paid the {$150.00} fee on XX/XX/20, a week went by still no word or activity on my account. Called and after a 20 minute hold was told I had to wait 10 days. I have a buyer and trying to sell this car this week and 53rd is holding my title hostage. Escalated to a manager and was told there is nothing they can do. So they make you pay this {$150.00} fee three months after the loan balance was paid in full which is terrible, then make you wait longer and jump through hoops just to get the title. This is the second CFPB case I have had to open with 53rd in the past year. They are difficult to work with and do not care about their customers.
Company Response:
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have previously reported this problem and the company 53rd responded that their investigation indicated that I did make the charge of {$36.00}. I deny this. I DID NOT MAKE THIS CHARGE. My account was hacked which they admit and closed my account. Furthermore my limit was {$21000.00} so how would they bank let me charge that much over the credit limit. There is no security camera showing me do this nor is there any document thety can produce that I signed for those funds. Why? BECAUSE I DID NOT EXECUTE THOSE TRANSACTIONS NOR WILL I ACCEPT RESPONSIBILITY FOR IT. XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ), deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank XXXX XXXX to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( Fifth Third Bank ) to confirm funds and to give myself peace. On XX/XX/2020 I called Fifth Third Bank ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX XXXX to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank XXXX again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by XXXX XXXX. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 XXXX XXXX deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.
Company Response:
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was notified by 5/3 Bank of a surplus in my mortgage escrow account on XX/XX/XXXX. Today is XX/XX/XXXX - 43 days later and I still haven't received a check. My understanding is that a check is to be mailed withing 30 days.
Company Response:
State: WA
Zip: 98008
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A