Date Received: 2020-05-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Spoke with someone named XXXX at XXXX. XXXX. When I told him that I don't agree with the debt, he told me I could either pay now or wait until judgment to dispute it in court. His exact words were, " I don't think the bank would make this up. '' When I referred to him as a customer service representative, he stated that he is a part of a litigation firm, inferring that he was an attorney, which I don't believe to be true. I was never offered a letter outlining the dispute and was given the impression that my only option was court or a payment plan. Additionally, the debt has passed the Ohio statute of limitations, therefore, suit can not be filed although he claims that such was happening. He was extremely rude and nasty, to make matters worse.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: - At the beginning of XXXX my mortgage was held by MB Financial. - MB 's mortgage portfolio was purchased by 5/3 Bank during the first quarter of XXXX. - While I was an MB Financial customer, I began to fall behind in my mortgage payments due to unemployment and a divorce. - My house went to foreclosure later in XXXX and a sheriff 's sale of my home was scheduled for XX/XX/XXXX in the morning. - I submitted a hardship application to 5/3 at the end of XX/XX/XXXX. I do not have documentation of the specific date, but I do have a letter from 5/3 dated XX/XX/XXXX that acknowledges my application and discussed next steps. - I never received written or verbal confirmation regarding the status of my hardship application until 2 days after the 5/3 scheduled sheriff 's sale. I was in communication with 5/3 all the way up to the sale on XX/XX/XXXX and they never provided me with a clear determination on my application. - On XX/XX/XXXX, I made a payment to 5/3 that brought my account current. I was able to do this by taking out a loan from a group of friends. If I did not do this, I would have lost my home at the sheriff 's auction. - 2 days after the sale, I received an express mail letter from 5/3 that was dated XX/XX/XXXX ( the date of my scheduled sheriff sale ) saying that my hardship application was approved with details on the trial payment plan. - If I had received this letter from 5/3 in the timeframe they were required to and promised, I would not have had to take out full loan from my friends and would have just made the required payments, but because of their delay on the review, this was not an option. - I held numerous calls with 5/3 since this large XX/XX/XXXX payment and was told that my trial plan leading to a loan modification was in place and that my payments on the plan had in fact been made when I brought the account current on XX/XX/XXXX. I have documentation to this effect extending to XX/XX/XXXX. One call to confirm my status with the 5/3 mortgage department was even made from a 5/3 branch with the local branch manager on the line. I did this to ensure I was not misunderstanding any aspect of this because I found the process so confusing. - I was told on the call in which the 5/3 branch manager participated that I could expect to receive my loan modification agreement by the end of XXXX. This did not happen. I was then told in a subsequent call that I would receive this by the end of XXXX. - It is XX/XX/XXXX, and this has still not happened. - A few weeks ago in mid-XXXX, I became concerned that this process might be impacted by the Covid 19 pandemic. In this call, I was told that my loan modification was not going to happen because I made my payment to bring my account current on XX/XX/XXXX. I had never been told this in any of my conversations with 5/3 or in written communications with them since my hardship application was submitted at the end of XXXX. - I was told I would need to resubmit my hardship application and go through the process all over again. If approved, this would put my overall timeframe to modify my mortgage at nearly a year assuming I submitted now, they took 30 days to review, I made 3 monthly payments, and they took another one to two months to get me an agreement. - I hold two XXXX XXXX and have XXXX a businesses with significant financial responsibilities. I am not unintelligent or lacking in an understanding of fiscal matters. - I have found my experience with 5/3 to be absolutely frustrating and that they have not held up to their commitments. I am submitting this to CFPB in the hopes that doing so might rectify this situation for myself and potentially others. - In the interim, I am planning on applying for a Covid 19 hardship forbearance and a separate reapplication to their hardship program.
Company Response:
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I requested forebearance assistance about 2 weeks ago due to COVID 19 and to date have not heard anything. I did this on the internet website 53 baNK has. tHERE IS no one that picks up the phone in loss mitigation. I have still not heard anything and I need help
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Fifth third bank engages in several practices that encourages overdraft situation, The most flagrant is that they have a policy that if your account has been overdrawn in the last 30 days you are not allowed to deposit into that account using the online app.You are able to deposit into their ATM. I experienced this situation over the last 2 years since I have been using their mobile app. On XX/XX/2020 I deposited a check from XXXX insurance for {$210.00} dollars but was forced put deposit in a savings account and founds were not available until Tuesday the XX/XX/XXXX XXXX.I was finally allowed to move over checking account but in course of those days I incurred {$140.00} in overdraft fees that would not of occurred in the deposit was put into the correct from the beginning.I contacted the telephone banking reps and they were not informed of this policy only the supervisors were aware. I asked to have the fees reversed and they were not willing to do that. I called the branch a filed a complaint but nothing has been done, This is a predatory practice that's preying on individuals struggling financially and particularly in this time of the Covid 19 quarantine is not an acceptable practice The second practice I have experienced was they randomly put 10 day holds on deposits and this has caused me 2 late payment marks on my credit report, the latest one was in XXXX of 2020 to XXXX XXXX,
Company Response:
State: MI
Zip: 48313
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I received a notice that my payment was backed up on a car loan thar i spoke to the bank and reported due to COVID they would push my payments back for three months. Today my credit report shows the bank reported 3 months of mis payment when my first payment is on XX/XX/XXXX. I asked to correct this and they told me to look for FTC and ask for help as the caught the error on their end and corrected it. Please help me or guide me in correcting this.
Company Response:
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
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 am requesting assistance or information on how to proceed further with my dispute. I have also attached 2 emails that were sent to the bank. I applied for a Credit Card with the bank but did not receive it. I found out via XXXX XXXX that the card was issued and immediately contacted the bank and disputed the charges. I was verbally advised after a few weeks later that everything was fine and I did a Balance Transfer. Last month I went to make my payment and they had put the disputed charges back on my account with no explanation or documentation to advise. I believe they are in violation of the FCBA guidelines. When I called the dispute was closed out and I re-opened it. They have since sent me a statement to pay the total of the disputed charges, have reported the balance of {$7900.00} to the Credit Bureau and has caused a significant drop in my FICO score. On XX/XX/20, I received a letter stating the dispute of XXXX was closed and a credit was issued to my account, however that is not true and neither has the amount changed on the Credit Bureau. No one in the dispute department will return my calls and I have not received any correspondence on the new case that was opened. I am kindly requesting that you review this matter and if you are not able to assist, can you please provide some guidance as to what can be done.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Fifth Third Bank sent out refy application XXXX XXXX. Started refy application, filled out packet sent back XXXX. Was sent email asking for information thru XXXX. Had delays because of Virus lock down, XX/XX/2020 asked for additional information. XX/XX/XXXX, emailed again, asking for same info.XXXX XXXX, XXXX XXXX called saying he could not find emails. Resent next day saying please contact to let us know you received info. Have not heard back since. Left messages on his phone everyday since, no reply. Asked XXXX XXXX, original contact to mail us the Home appraisal which we payed for up front. No answer either. Found Manager of refy left 12 messages on his voice mail, no return call. No one has returned a call, this is my only way to go now. Thank You for time XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: SC
Zip: 29576
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This complaint is about a Fifth Third credit card Three months ago they charged me a {$1.00} fee and a {$29.00} late fee. As I have not been late with a payment in over 40 years of credit history I called them to determine what had occurred. They advised that there was a " glitch '' in the system and that not just me, but all of their consumers had not received their e bills that month. They apologized and refunded the late fee and the {$1.00} fee.. I made a formal complaint and received a written response from XXXX XXXX at the Office of the President dated XX/XX/XXXX apologizing. The following month I received another {$1.00} fee. I called to determine what this was for and the CSA advised that my payment was late. As I paid the bill THE MINUTE that I received the email notification that it was due, I was stymied. The CSA advised that it takes them 5 days to process online payments and thus the payment would be late. I responded that obviously then they are sending the e bills out too late if there is no way to pay the bill on time, even if paid within minutes of receipt. I began to understand that this is not in fact a mistake but an unethical ongoing practice. They once again apologized and reversed the fee.. For the third month is a row I received a {$1.00} fee once again on my statement. This time I was told that it was " interest ''. I advised that I had an interest free offer until XX/XX/XXXX and should not be being charged any interest. The CSA had no explanation. I asked to be transferred to a supervisor and I was advised that no supervisor was available. The fee has not yet been reversed although the CSA advised that it would be. A new statement is arriving by ebill on XX/XX/XXXX and I have no doubt that once again there will be a {$1.00} fee. If they are doing this to each and every consumer they are stealing a great deal of money, now in a pandemic crisis. This is clearly an unethical policy and NOT a series of mistakes. The other consumers that are more overwhelmed and diligent than myself probably have no idea that this is happening to them. I am thereby making a formal complaint and requesting that you launch an investigation into Fifth Third. All fees extracted from consumers should be returned to them as well. Thank you.
Company Response:
State: MI
Zip: 48433
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2020 I transferred {$250.00} electronically out of my checking account at Fifth Third Bank to another financial institution. The bank charged {$3.00} for this transfer. The brochure that describes the account I have ( Free Checking Plus ) does not list this fee in the list of fees provided on page 7 and 8 of the brochure. I am attaching this brochure below. When I contacted customer service to see if this fee was a mistake, they said it was not. They had no explanation why this fee was not disclosed in their literature for this type of account. It is my understanding that banks are required to disclose all fees to their customers. If that is the case, Fifth Third Bank is in violation.
Company Response:
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In early XXXX our mortgage was apparently transferred or sold to another company. We were unaware of the change. We continued to make ALL PAYMENTS monthly the same way we had been doing. We paid every month to date, we have no outstanding payment due. The new company is called Fifth Third Bank, a company which we had never head of. We sent all payments to the previous addresses used for payments : XXXX XXXX XXXX XXXX, OH XXXX and XXXX XXXX XXXX XXXX, OH XXXX The following problems have occurred from early XXXX until the present date : 1. Fifth Third Bank has not cashed some of our checks which we have mailed. 2. Fifth Third Bank cashed some checks, but did not credit the payments, and instead marked the mortgage as unpaid, and improperly added additional fees and late charges 3. Fifth Third Bank has sent some payments back to us in the form of a check. To date as of XX/XX/XXXX, we have received 3 checks sent back to us : 1 check near the end of XXXX, in the approximate amount of {$4600.00}, 1 check XXXX of XXXX approximately {$4600.00}, and one check XX/XX/XXXX in the amount of {$15000.00}. Please note that these amounts for the 3 checks returned to us does not equal the total amount of payments we have sent to this company, and does not reflect the total payments that we confirmed the company received and cashed in the form of cleared checks. ( See evidence included of check payments confirmed cashed ) 4. We have made repeated attempts to pay all monies due in full, and the company either refuses to credit our payments, but does cash the checks we send, and improperly adds additional fees. 5. This company has fraudulently initiated a foreclosure proceeding despite the fact that we have SENT ALL PAYMENTS DUE TO DATE, and the fact that WE HAVE THE MONEY TO PAY - and that we are trying to pay all amounts due in full. I am on oxygen 24 hours, 7 days a week. I am over XXXX years old and also have extremely bad XXXX. This has been very troubling to me and has negatively affected my health. We have the money to pay what is due, we have always had this money and we have been attempting to pay the money this entire time. This company is committing fraud by falsely adding additional fees and cashing our checks but not crediting our payments.
Company Response:
State: NY
Zip: 107XX
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A