Date Received: 2020-06-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: During Covid-19 we received a letter from 53rd Bank stating us to call and discuss forbearance options. Till date, my wife and I both are employed and have been diligently making mortgage payments. We decided to call the bank and discuss that we are not interested in forbearance and that we will continue to make payments which we did. However, 53rd had put our credit and our account status in forbearance and this has caused a lot of financial problems for my family. We are closing on a purchase of a vehicle and I can not proceed as they have flagged my SSN and account to list as forbearance. I will attach statements as proof that we have been making payments, they charged us with fees that are unjust. 53rd classified these fees as late payments, whereas we have been making payments diligently every month. To say the least, we are very dissatisfied with their customer service, their legal department and their supervisors. No one was ready to assist us when we reached out to customer service.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2020 my wife and I applied for a HELOC loan with Fifth Third Bank at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Loan Number : XXXX. We met with XXXX XXXX filled out the application and were told they would contact us about the information they would need. The following week I received the request and got all my information together and personally handed it to XXXX, she then forwarded it to the loan officer in the home office in XXXX, OH. This is were things started to go wrong, they needed one more document from my insurance agent which was forwarded to XXXX the same day they asked. Shortly after this they start requesting the same documents that they already had, W2, XXXX XXXX, etc. On XX/XX/XXXX, again I brought all the documents that their Loan Specialist, XXXX XXXX says were missing. The following week she asks for more copies of W2 's, this would have been the third time. I questioned what was happening with my information as I was worried about where it was going and who had access to it. I was told not to worry about it. After voicing my concerns I was told they could not find out anything in a timely maner because XXXX XXXX was working from home and she has no telephone! I called twice wanting to know what was going on, talked to XXXX first week of XXXX and also the local branch manager and she said she would call me back, but no call, it seems everything is up to MS XXXX who I think is the only bank executive in American that does not have a PHONE! I was told this by three employees of the bank and I just don't think this would fly with the bank management. Fifth Third has had all the info they requested as of XX/XX/2020. As per ECOA guidelines I am entitled to an ruling on my application within thirty days. I feel because I questioned the security of my person information they have refused to process my application for a loan. Respectfully XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Fifth Third Bank allow an account to be open for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the Entity name printed on the checks was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There were two accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With the different entity names on the accounts and checks we believe that fraud, and money was being laundered through these accounts. When deposits were being made into account it was believed to be for the Entity XXXX XXXX XXXX XXXX XXXX XXXX XXXX as checks were being written from this account for this entity. On XX/XX/XXXX I was notified that I was removed from the Fifth Third Bank accounts that was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, with being removed from the accounts we found out that the actual entity name on the account is actually the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This prompted us to check on the validity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a legal entity, and it was determined that XXXX XXXX XXXX XXXX XXXX XXXX XXXX wasnt a legal entity. Since XX/XX/XXXX Fifth Third Bank has allowed funds to be deposited into accounts that does not belong. The Entity names for transactions such as deposits and Withdrawal were all completed under an entity name that did not exist at the time. According to all checks weve written, and all deposits made was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the Entity name on the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All deposits were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but went into accounts with entity name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All funds in account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be for the entity XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is now currently a valid entity
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Check my previous complaint where they responded that they would stop calling as of XX/XX/2020 since this is not the number of any person who has done business with them. They have not stopped calling for one day, and they call up to 4 times per day every single day. Between XXXX to XXXX so far ( it's only XXXX so they might call a few more times ) just in those 3 days they have called XXXX times. These are willful FDCPA violations.
Company Response:
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Due to XXXX XXXX my husband and I filed bankruptcy in XXXX. We did not include our second mortgage with 5/3 Bank trying to avoid losing our home. From the time of filing Chapter XXXX, to the judges review of our case, there had been a gross miscalculation ( about {$600.00} to $ XXXXMonth ) of monthly payment we would have to make to the bankruptcy court. We have XXXX boys and the difference in payment along with health insurance premium & high deductible, we surely would have a hard time paying 5/3 Bank the full monthly payment. We reached out to 5/3 Bank, explaining our family 's hardship, asking if somehow, we could lower interest just to help us afford the payment. What was sent to us we couldn't so tried very hard to continue payment. Eventually we ran out of payment coupons sent to 5/3 with payment and called to request another book. I again asked if there was anything we could do to lower our payments and was told since we filed bankruptcy, I would not receive a new payment book and the agent could not speak with me. I was also informed if I could not afford full payment to remit what we could, which we did. On XX/XX/XXXX our bankruptcy was discharged due to hardship. 5/3 Bank sent correspondence to us after the discharge stating we immediately owed {$56000.00} which was reported to the credit bureau on XX/XX/XXXX. After the loan was discharged, we spoke to the Recovery Department and agreed to make monthly payments which we do make. In working very hard to rebuild our credit I'm happy to say we have been successful! Over the previous years we have put aside house repairs and are now badly in need. Recently we approached a bank to possibly refinance and combine our first mortgage with the amount due to 5/3 Bank. We however are unable to get an amount from 5/3 Bank that we can understand. On XX/XX/XXXX I received a phone message 5/3 Bank needed to speak to me regarding our account. I knew it was their quarterly call confirming monthly payments, I had also attempted calling a couple days before but could not reach them because of high call volume. Returning their message, I spoke to an agent who told me the balance was {$44000.00}. I wanted to report to her we would continue monthly payments, but she said she needed to transfer me to the recovery department where I spoke with XXXX. I also explained to him about needing a balance since we may refinance. He told me we owed {$57000.00}. I was shocked at the difference and asked him to explain to me. He said the {$13000.00} additional amount is due to interest & fees. I asked him to please provide me with a breakdown showing when the interest & fees were added to the account. Initially he told me he could not give me that breakdown. I explained that if we owed the larger amount, I wanted to make sure because of the large difference. He said he would try to talk to someone who " maybe '' could, and it would take 3-5 business days and to receive the information I would have to call back. I then spoke with the loan officer we currently are working with and he is also unsure of the balance due to 5/3 Bank since {$44000.00} was reported to the credit bureau on XX/XX/XXXX. on XXXX XXXX I again received a message on my cell phone to call 5/3 Bank. I did and spoke with XXXX. I informed her I would continue making monthly payments. I also asked her to verify our balance since I was given two different amounts by their reps. She told me {$57000.00} was due. Then she said, " oh, wait a minute '' and put me on hold. Came back on the line and said, yes, that is what was due. She offered a pay off letter which I thanked her for. I explained we also needed an accounting of the account showing dates the interest and fees were added. She said she could request an account history be sent to me but it would not specifically show dates the charges were added to the account. I again tried to explain I felt it was my right to know this information, especially since the difference of the two amounts is {$13000.00} - which is a huge amount to us! * This was written to the best of my knowledge
Company Response:
State: IL
Zip: 60450
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XXXX I called the bank, on the XXXX I believe and dismayed that all of my accounts were marked on hold and I asked why noone had informed me. The Office of the President wrote someone called me about my account past due. I never received this call and need a copy of the tape or a transcript of what was said. The Bank should have a copy of the other calls, each time transferred to an account specialist that would not give me accss to my cash funds in the checking account to pay their own credit card balance due for XXXX. After almost a month, the last spcialist allowed me to do so. The FDIC thought the CFPB should take the lead XXXX in this.
Company Response:
State: NC
Zip: 27262
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hi, I have car loan with Fifth third bank. My account number is XXXX. My XXXX is XXXX. My address is XXXX XXXX XXXX XXXX CA XXXX I have auto payment with this bank and I keep money in my account for car payment but they didnt charged payment from my account and posted late payment on my credit report its hurts my credit score so badly. I didnt notice earlier because I was being busy in my wedding I was married in XX/XX/XXXX. And now Im planning to extend my business but because of my credit score Im not able to do nothing. I have trucking business and because of Fifth Third bank they messed up everything. If I will not get my credit score back I have to wait until year to be a good credit. I send them email They didnt replied me and then I call them and explain what they did and they said they cant able to do nothing and I dont have a auto payment. If you want you guys check my credit history I never had any late payment. Please help me to fix my credit. I will very thankful of you guys.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello. I got a notification from XXXX that someone attempted to open an account today between XXXX and XXXX EST XX/XX/26. I did not apply for credit, nor did I wish to open any accounts. My information has been compromised.
Company Response:
State: OH
Zip: 45371
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-24
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: On multiple occasions, I have contacted FiFtH Third Bank and explained to them on the loan 's maturity date and that I have never missed a payment on the XXXX XXXX. I was told that they inherited the loan from the original loan agency that I purchased the vehicle from. Fifth Third Bank told me that forced placed insurance was added to the original loan and so that is why the loan was not paid off. I explained to them that I have always had my own insurance on the vehicle. They asked for proof from my insurance company and gave me an email to send the documentation. I emailed the statement from my insurance company that proved that I had insurance on the vehicle thus no forced placement was needed and the cost, fees, and any interest acrued should be removed from the loan. I have gone round and round talking to several different representatives yet there is no-follow up on their part and every time I explain this it appears I am explaining it for the first time and they tell me to send the documentation of which has already been done. I asked for a statement of all of my payments since the inception of the original loan and Fifth Third said they would send it three times yet I have not received this statement/documentation. One representative said, they would contact the original lien holder and get the statements from the start of the loan because First Third only had information starting in the fall of 2018 when they took over the loan. I am refusing to pay anything else as I have paid for the vehicle in full and have NEVER missed a payment. Again, I already had insurance through my personal vehicle insurance provider and proof was sent. Please help!!! Fifth Third Bank is running a SCAM and they keep giving me the run-around and refuse to provide me my title for the paid vehicle. I HAD NO KNOWLEDGE THAT FORCED PLACED INSURANCE WAS PLACED ON THE VEHICLE. THERE WAS NO LEGITIMATE REASON FOR THEM TO PLACE IT ON THE VEHICLE.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2020-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The checking and saving accounts are opened on XX/XX/XXXX with {$500.00} promotion.The bonus posted on XX/XX/XXXX and XX/XX/XXXX. However, the is the withhold for {$60.00} for twice accordingly. On XX/XX/XXXX, I email the banker XXXX, XXXX regarding the potential XXXX form missing that might lead to the withholding. On XX/XX/XXXX, I email the signed XXXX form to him.After that, i called several time to follow up. On XX/XX/XXXX, i was told there should be someone in back-office resolving the issue and I sent the XXXX XXXX form again.Till today XXXX, the two {$60.00} withholding, {$120.00} in total still not come back to the account yet.
Company Response:
State: VA
Zip: 22203
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A