Date Received: 2020-02-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Called from XXXX say that they were a process server and we're attempting to serve me for a lawsuit on behalf of 5/3 bank. They gave me this this phone number XXXX. I called and talked to XXXX and I he sent me documents from XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX # ( XXXX ) XXXX. I set up a payment plan but now I can't find any information on the firm and when I search the address nothing shows up.the debt is no longer on my credit report. I've not received any mail from them and I think I've been scammed.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: 5/3rd Bank allowed {$4000.00} to be stolen from our account and refuses to honor our claim. Multiple thefts occurred from XX/XX/18 through XX/XX/18. We filed an original claim and that was denied, a dispute letter was filed and also denied. We just recently filed a complaint with XXXX XXXX XXXX. 5/3rd bank promptly responded to XXXX with the same excuse. 5/3rd bank claims the thefts were made using a card with electronic protection or PID #. Regardless of what method was used the thefts still occurred and the bank allowed several fraudulent purchases to be deducted from our account. NOTE : We have been a 5/3rd customer for almost 40 years. The thefts were not promptly noticed due to health issues at that time. Our last contact was with : 5/3rd Dispute Resolution Department ; XXXX XXXX ( Office of the President ) PH : XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX , Ohio XXXX
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Fifth Third for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX my mortgage was purchased by Fifth Third Bank from XXXX XXXX. Taxes & Insurance were escrowed. In XX/XX/XXXX Fifth Third Bank failed to pay the Homeowner 's Insurance premium. Efforts by myself & XXXX XXXX XXXX failed to extract payment from Fifth Third Bank. XX/XX/XXXX my insurance was cancelled for non-payment. Payment was made late ; XXXX XXXX reinstated the policy without lapse. Since cancellation, Fifth Third Bank has harassed and threatened me over providing proof of insurance for the lapsed period. In XX/XX/XXXX Fifth Third Bank notified me they had purchased a " Forced Placed '' insurance policy on their behalf from XXXX XXXX XXXX XXXX in the amount of {$2200.00}. Funds were taken from escrow for this purchase, creating an escrow shortage, and creating an increase in monthly mortgage payment. Payment already made was not applied, my account was placed in past due status, additional funds have been demanded, and I am threatened with foreclosure. Despite all efforts to get a response from Fifth Third Bank, they have ignored my phone calls, emails, and complaints filed with state agencies and government representatives. They are insulated from consequences of their bad acts, from their fiduciary responsibility failures, and from the stress, anxiety, and fear they have visited upon this XXXX year old retired veteran with a son in XXXX whose home-of-record is this house. Fifth Third Bank needs a trip to the woodshed.
Company Response:
State: FL
Zip: 32327
Submitted Via: Web
Date Sent: 2020-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of XXXX, I inquired with Fifth Third Bank, the new holder of my loan, about an appraisal to remove the PMI from the mortgage I started on XX/XX/XXXX for a 3-unit building I bought for {$520000.00}. I have made approximately {$150000.00} in substantial improvements to the building since buying it. I had put 5 % down on the mortgage so that I could use the rest of my money to make these improvements to increase building value and rents. I was told at closing that once I had increased the value to 20 % of the purchase price, my PMI would be removed. I received a letter in the mail shortly afterward, telling me to fill out a form detailing the improvements I had made, and to fax it to the company. I immediately filled out the form and faxed it back. About two weeks after that, I called the company to see if the form had gone through, since I had not heard from the appraiser to schedule the appraisal. They assured me that the case had been opened, and that I should wait a few more weeks. I waited two weeks, and then sent a message through 5/3 's online portal on XX/XX/XXXX, which is attached. XXXX ( or XXXX ) XXXX called me back and told me it would take her a few days to check with the escrow department, as apparently the department " did not have a phone number. '' I waited a couple of days for her to call me back, when she informed me that the office had " lost '' my request. She sent me a letter ( attached ) on XX/XX/XXXX telling me that I could send the form again by mail, fax, or online, and the PMI would be removed if the appraisal reduced the LTV to 75 %. I decided to do it online, but found no way to do so, so I sent the message on XX/XX/XXXX, also attached, detailing the same information. XXXX called me again, saying that I had to mail or fax the form that she would send me in the mail. I waited for the new form to arrive, filled it out yet again, and faxed it the exact same way I had faxed the previous one. On XX/XX/XXXX, I received another, error-riddled letter ( attached ) saying that since this was an investment property, I needed to reduce the LTV to 65 %. I have been clear from the beginning that although this property contains rental units, it is my primary residence and has been since the purchase date. This letter seemed to assume that I could not have lowered the LTV that much and essentially dismissed my request, telling me to send a new one at a later date, even after 4 months of correspondence to the contrary. I tried numerous times to reach XXXX again by phone, but my calls all went to voicemail and were not returned. I left several messages stating that I still wanted to get my building appraised to remove the PMI. I also started looking into alternative ways to remove the PMI, like refinancing the loan. On XX/XX/XXXX, I managed to reach another person in the Vice President 's office, whose name I don't remember, who told me that XXXX was the only person who could help me ( as my case was assigned to her ), but that she had left the office early. That night, I finally sent another ( attached ) message detailing the reasons the letter was incorrect and requesting them to contact me with the correct information, as I had received incorrect information throughout this process. I did not receive a response beyond the vague promise of yet another letter. After waiting for a response, I went forward with the refinance and closed on my new mortgage on XX/XX/XXXX. The PMI was nearly $ 300/month and I did not want to get jerked around any longer by 5/3 's greed and incompetence. Since my request, this correspondence has lasted 5 months, costing me {$1400.00} in unnecessary PMI and {$2300.00} in mortgage origination costs when 5/3 stopped communicating with me. My building was appraised at {$710000.00} by the new servicer, making my new LTV approximately 57 %.
Company Response:
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2019 we received an alert from a credit reporting app called XXXX XXXX that our mortgage company, Fifth Third Bank had deported our mortgage as being late. We have had our month for 29 months and have never missed a payment. We immediately stopped in a branch to speak with a representative. After sitting down for 30 minutes with a representative who had to call the corporate office we were told we would hear back from someone. In late XX/XX/2019 we received a letter from Fifth Thrid dated XX/XX/2019 stating they apologize for the error of a late or missing payment and claimed they would fix the error on our credit reports. My score dropped over 80pts as a result of the error and my husband 's score dropped over 50pts. We have still yet to see the error fixed on our reports and we have been waiting now over 60 days. We have been eager to refinance our mortgage but are unable to because of how low our scores are.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/2019 Fifth Third was contacted my mortgage company, I was changing insurance companies and XXXX also contacted them letting them know this. My new insurance agent called Fifth Third needing more information to bind the policy, they refuse to call him back and give him this information causing a small lapse in my insurance which I never found out until 5 months later by Fifth Third when they automatically put me in escrow and tripled my insurance on my home without calling me or contacting me or anyting. Unprofessional as XXXX I went to my bank on XXXX XXXX in XXXX XXXX contacted the mortgage woman they're extremely rude got nowhere got up and walked out on me. I have contacted Fifth Third mortgage company talking to XXXX XXXX the manager and I'm not getting anywhere he's going out of his way to make this case stick for them to XXXX me out of money this is not going to happen I will not pay it. I'm XXXX XXXX XXXX I do not need the last 6 months of this XXXX in my life please help me and do something about this thank you XXXX XXXX. They tried to raise my insurance from XXXX to {$1600.00} a year. And also raise my monthly house payment not going to happen.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2020-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This Complaint Notice is for XXXX XXXX XXXX ( aka XXXX ) to investigate an incident that occurred on XX/XX/XXXX : specifically, the collection tactic taken by an agent who placed an outbound collection call to a cellular mobile phone number to an authorized 3rd party ( who DOES NOT have an established business relationship with XXXX ). The Chronology of Events : - On XX/XX/XXXX contacted XXXX to give verbal authorization to allow an Authorized 3rd Party ( a family member ) to speak to XXXX representatives regarding an alleged outstanding debt credit card debt " purchased '' by XXXX. - On XX/XX/XXXX the Authorized 3rd Party called XXXX at XXXX to offer a lump sum settlement payment. XXXX rejected the offer. Note : the Authorized 3rd Party did not provide XXXX with any point of contact information for himself [ i.e., a phone number ]. XXXX should have a recording of this call. - On XX/XX/XXXX the Authorized 3rd Party called XXXX at XXXX extension XXXX in a second attempt to resolve the debt via a lump sum settlement offer. XXXX again rejected the revised offer. Note : during no point in this call did the Authorized 3rd Party provide point of contact information [ i.e., a phone number ] to XXXX. Per Midlands disclosures, they should have a recording of this conversation. - On XX/XX/XXXX a representative from XXXX contacted me on my mobile phone. I advised the representative I was unable to discuss the matter and that I authorized a family member to attempt a resolution but XXXX rejected the offers to resolve. The representative continued the efforts to collect the debt despite my attempt to advise I could not speak at the present moment so I terminated the call. XXXX should have a recording if this call. - On XX/XX/XXXX the family member I designated as an Authorized 3rd Party received a phone call on his mobile cellular phone from a XXXX representative, attempting to collect the debt. When the Authorized 3rd Party asked the representative HOW XXXX obtained his mobile cellular number, the XXXX representative would only reply that I had provided an Authorized 3rd Party Permission for XXXX to speak to him. This is not in dispute. The Authorized 3rd Party again tried to ask the XXXX representative how XXXX captured and dialed his mobile cellular phone number, but the representative would not answer. The Authorized 3rd Party terminated the phone call. The Complaint : It is a common business practice of XXXX XXXX to utilize Automatic Telephone Dialing Systems ( ATDS ) when initiating debt outgoing collection calls. An ATDS is equipment which has the capacity to store or produce telephone numbers to be called, using a random or sequential number generator, and to dial such numbers. The capturing of origination telephone number of an incoming call is also commonly referred to Automatic Number Identification ( ANI ). The Telephone Consumer Protection Act ( TCPA ) of 1991 [ 47 U.S.C. 227 ] restricts the use of automated telephone equipment aka ATDS. - Specifically : Section 227 ( b ) ( 1 ) ( A ) of the Act and its implementing rules require some form of prior express consent for auto-dialed non-telemarketing call to wireless numbers. The Act also maintains the requirement of prior express consent for auto-dialed non-telemarketing calls to wireless numbers that are not subject to any exemptions under section 227 ( b ) ( 2 ) of the Act. The Federal Communications Commission ( FCC ) leaves it to the caller to rely on either oral or written consent in complying with the statutory consent requirement. - The Telephone Consumer Protection Act ( TCPA ), Pub. L. 102-243, 105 Stat. 2394, prohibits making calls to cellular telephones using an automatic telephone dialing system ( also known as an autodialer ) or an artificial or prerecorded voice, except for emergency purposes or with the prior express consent of the called party. 47 U.S.C. 227 ( b ) ( 1 ) ( A ). The FCC has express authority to prescribe regulations to implement this provision. Id. 227 ( b ) ( 2 ) ; see also 47 C.F.R. 64.1200 ( implementing regulations ). - Congress enacted this prohibition to protect telephone users from unwanted communications that can represent annoying intrusions into daily life. XXXX, XXXX XXXX XXXX XXXX for Expedited Declaratory Ruling Rules and Regulations Implementing the Telephone Consumer Protection Act of 1991, Declaratory Ruling, 29 FCC Rcd 3442, 2014 WL 1266074 ( 1 ) ( 2014 ) ( GroupMe Ruling ). Congress did not expect the TCPA to be a barrier to normal, expected, and desired business communications. Id. at 3444 ( 8 ). See H.R. Rep. 102-317, at 17 ( 1991 ). - The FCC has determined that debt collection calls are non-telemarketing calls and calls made to the subscriber of the wireless telephone that received the call, in an effort to collect a debt, must have provided the debt collector with express oral or written consent prior to the debt collector calling the wireless number [ 47 U.S.C. 227 64.1200 ( a ) ( 1 ). - This Complaint states that XXXX XXXX, operating under XXXX, received neither oral nor written consent from my Authorized 3rd Party to contact him on his wireless number which he uses for both personal and business use. Please investigate this incident and advise if the Collection Agent who initiated the outbound call, in an attempt to collect a debt, followed MCM policies and procedures. On XX/XX/XXXX, I submitted a complaint to XXXX 's Dispute Department ( via their on-line dispute/complaint submission process ). I specifically asked XXXX to provide an explanation as to why they called the mobile number of an Authorized 3rd Party, who does not have an established business relationship with them, who never provided them with the mobile, and how : 1 ) Did they obtain the number and 2 ) Did they, without permission, enter the mobile number into their ATDS. In the 45 + days since my submission, the only response from XXXX, except for the automated e-mail confirmation of the Dispute/Complaint submission, was for them to send me a Collection Letter. I am asking the CFPB to bring this to the attention of XXXX, aka XXXX XXXX, aka XXXX XXXX XXXX Thank you in advance for your time and consideration in the matter.
Company Response:
State: OH
Zip: 45247
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth/Third bank purchased my mortgage from another bank. I would have never sought a mortgage from them because I have never heard great things about this bank, but here I was, in business with them. From the onset I had issues with them and their lack of communication. But all heck broke loose when I received a letter from them telling me they were raising my mortgage payment by {$1000.00}. I have a conventional mortgage with a fixed rate. I live in DC where I pay about {$6000.00} in taxes per year and a little over {$1000.00} in home insurance. I purchased my home in XXXX and had several thousand dollars in surplus ( credit ) with DC tax and revenue. For the following 2 plus years or so after I pu8rchased my home DC just debited that surplus to pay my tax bill. My escrow paid XXXX in taxes. When all but {$1500.00} was paid, as the surplus was exhausted, DC submitted a tax bill for that amount to Fifth/Third bank. They paid it. Then, their incompetent team estimated the escrow needed for the following year and used the {$1500.00} ( from above ) to estimate what they would need to collect from escrow for the following year, underestimating my escrow. In XXXX of last year, I received a letter telling me that my mortgage would be going up by {$1000.00} because escrow would not be able to cover the tax bill for XXXX. So in essence, they are collecting {$13000.00} more to pay about {$7000.00} in taxes and insurance for the year XXXX. How does this make any sense? I have written letter after letter asking for a break down of my escrow as well as proof that they paid my taxes during the surplus years as they are telling me - nothing. I spoke with DC so I know they did not. What they tell me is they can not help me in writing but I am free to call their bank to speak with someone. I tried. Nobody knows anything, specifically what happened, can't provide me with any useful information and just wastes my time. I work, I have a little boy at home. I don't have time to wait on the phone during working hours and they close at XXXX, they tell me. I can't afford a {$1000.00} increase in my mortgage. I have been paying that increase since XXXX of XXXX but I don't know how long it will be before I default on my mortgage due to this incompetence. I just don't know what to do. Who are these people responsible to?
Company Response:
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A