Date Received: 2019-10-15
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: In XX/XX/XXXX, I was XXXX and needed my first car for work. I found a solid used vehicle on XXXX and because we are in rural XXXX California, went to a dealership in Oregon to purchase the vehicle. My mother co-signed on the loan as I did not have credit at the time. Time passed, and I have no complaints about 5/3 Bank during the time the loan was open. I made every single 72 month loan payment on time. I relocated in XX/XX/XXXX back to the original address on the loan. Before making the final payment in XX/XX/XXXX, I called 5/3 Bank and confirmed the mailing address ( my new address ) and confirmed the payoff amount. I asked if there is anything at all that we need to do to complete the end-of-loan process. I was told there was nothing further to do but wait for the title in the mail. XX/XX/XXXX - No sign of the vehicle title. I had my mail forwarded from my prior address and I did not have any missing mail to my knowledge. 5/3 states the title was mailed but provides a " release of lien '' to take to the DMV. I take the release of lien document to the DMV in California and I am told the vehicle was never issued a title in California and I will need to obtain a title from the lender. I contact the lender again and request a title as the first title was never received. XX/XX/XXXX - The title does not arrive. Instead, we receive a second " release of lien '' document. I call 5/3 Bank again and explain the issue with this document at the Cailfornia DMV. They state we have to go to Oregon DMV. My mom drives to Oregon and goes to the Oregon DMV. They want {$93.00} for a duplicate title, and they also need the Oregon license plate of the vehice. Since the vehicle was purchased at an Oregon dealership, we never had the Oregon license plate number. Even if we were willing to pay for a document that should have been furnished by the lender, we could not obtain the title in Oregon without the license plate information. I was reassured by a representative that 5/3 bank would order a duplicate title and that I could expect it to arrive in 2-3 weeks. XX/XX/XXXX - No title. My mom spends an hour on the phone with 5/3 Bank, getting a different answer from every representative. I call, and I also get different answers. " Well, the address was changed so we sent the title to the prior address '' " The title was never issued, you have to go to the Oregon DMV '' " The title was sent electronically to the California DMV. '' Now, 5/3 has involved a third party! We have been instructed to contact " XXXX. '' My mom contacted the third party on XX/XX/XXXX and they did not have any answers for her because it is a " bank issue. '' Yesterday, I contacted 5/3 Bank and was told to contact XXXX XXXX XXXX. Today, XX/XX/XXXX, I contacted XXXX XXXX XXXX ( which is on eastern time and is a time inconvenience for those of us on the west coast ) and I was on the call for 20 minutes before they dropped me on a transferred line to 5/3 bank. Finally, 45 minutes later, I spoke with a supervisor at 5/3 who told me the case regarding our title had been open since XX/XX/XXXX and they can confirm they " ordered '' the title TODAY. TODAY - almost 90 days after I initially contacted them in XXXX to find out why we had not received the title. I am concerned that they have not actually ordered the title as I have heard this promise from them before. We are trapped in their failure to simply order and deliver a title.
Company Response:
State: CA
Zip: 955XX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have financial troubles for my business. I took out several XXXX XXXX XXXX XXXX to help, these lenders were to take daily ACH withdraws towards payment. I had to temporarily close my office, 5 weeks, in XX/XX/XXXX. My accounts receivables were not enough to cover loans, so I informed the XXXX 's and asked for help. They offered little. I contacted my bank to ask for help, I wanted to get their help in stopping the ACH withdraws ; I knew if they went past my balance, I would be charged overdraft fees. The bank said they could not stop the ACH debits, only close the account, once it was a positive balance. I had been in contact trying to get the XXXX 's to back off a little but the OD charges kept piling up. I discovered your website and read the information that stated the bank COULD have stopped the ACH withdraws. I immediately emailed the bank, who danced around the issue offering to " consider '' helping once my balance was positive. Currently, my account balance is XXXX, of that {$3500.00} is in OVERDRAFT CHARGES!! I have asked them to remove those charges and I can then make arrangements to get the account to a {$0.00} balance so the account can be closed and I can cease doing business with them. Basically, get out of their hair! They said once I get the balance at a XXXX, they will discuss the OD charges. Seems to me they want me to XXXX out the account, then tell me tough stuff. My attorney says I have a potential claim against them since they have potentially violated certain banking laws. This is causing me tremendous stress, which adds significantly to the stress I already have concerning other financial issues. I need help, fast!
Company Response:
State: OH
Zip: 43551
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Corporate delay of its mortgage remedy has resulted in loss of prime season sale, mounting court cost, legal fees, emotional, physical and financial distress. Why the inaction? Is it justifiable? Is it appropriate? Is it right? Is it fair? XXXX Circuit Court, Family XXXX XXXX, Order No. XXXX XX/XX/XXXX, specifies the subject property shall be assumed by my ex-spouse and to indemnify and hold me harmless. Fifth Third ( The Bank ) was promptly provided a copy of The Order, ex-spouses contact, tenant contact and a copy of the two-year lease. After failure to pay the XX/XX/XXXX XX/XX/XXXX mortgage payments, The Judge ruled XX/XX/XXXX for ex-spouse to bring the mortgage current, and for tenant to pay rent to me ( mortgage solely in my name ; title transferred to ex-spouse to facilitate refinance ). XX/XX/XXXX, rent received/forwarded to The Bank, but returned requiring XX/XX/XXXX XX/XX/XXXX payments. XX/XX/XXXX, Complaint 18- was filed against me by The Bank. The Answer and Counterclaim was promptly filed ( attachment ). Now what? The prolonged inaction has resulted in : Loss of real estate prime time sale Spring and Summer XXXX. Loss of real estate prime time sale Spring and Summer XXXX. Adequate maintenance and preservation decisions are on hold due to an absentee owner, pending resolution/sale of property. Subject property is the former residence of a KY Representative. A chapter in her book was dedicated to her beloved home. Several have expressed desire to acquire property, but The Banks inaction has resulted in failed opportunities. This seems to represent an unfair business practice, which has resulted in XXXX XXXX and detrimental personal loss : Credit score has decreased. If property were sold @ 12 months after initial default, then credit score would have rapidly been repaired by today ( all other credit activity paid as agreed ). Even The Bank has reduced my revolving credit limit {$5200.00} due to the mortgage delinquency. Auto insurance premium has increased due to lower credit score. Court costs, legal fees, late fees, inspection fees, etc. have continued to mount ( attachment ). Daily calls from The Bank Collectors to my cellular and home telephone ( weekdays ) although The Bank is keenly aware of the pending action. XXXX hospitalization due to stress. Through counsel, I recently inquired why the foreclosure sale had not occurred. Response, the attached Agreed Judgement and Order of Sale, which includes interest on the principal balance from XX/XX/XXXX until date of judgement, costs and fees of this action ( It would not be prudent to agree to blank interest, costs and fees ). Besides, The Judge ruled I should be indemnified and held harmless. According to The Banks XX/XX/XXXX statement, the mortgage is 716 days delinquent. Will another 716 days occur before The Bank acts? What can The Regulators do to expedite sale, stop The Bank fees, limit my need for counsel and emotional distress.
Company Response:
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was 19 days past due for my Fifth Third Bank mortgage it was due XX/XX/XXXX and I paid it online on XX/XX/XXXX. Fifth third bank had the audacity to send someone to my home on Sunday, XX/XX/XXXX and I was not home my children were and they handed my XXXX year old daughter an envelope and questioned her about my whereabouts my daughter said she was very rude with her. Then I received a phone call today, XX/XX/XXXX and they refused to tell me what company they were calling from. I found out because I hung up and called the number back. # 1 they should not have came to my home for a payment that isn't even 30 days late and they harrass me with phone calls. Something needs to be done with this bank. They dont need to come to anyone 's home for a 19 day late payment. Please look into this this has to be breaking some type of law. I have never heard of a company come to your home and harrass you ... they basically harassed my children. I called them today to complain and the representative said she knew nothing about a lady coming to my home.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello, This is the follow up with Fifth Third banks response dated on XX/XX/XXXX. This is Fifth Third banks statement : On XX/XX/XXXX, you opened a Fifth Third Bank Essential Checking Account ending in XXXX. You opened the account with a {$250.00} Cash Bonus Offer. Enclosed is a copy of the terms and conditions applicable to the offer. Per the terms of the offer, you needed to reach a {$500.00} balance within forty-five ( 45 ) days of opening the account. You then had to maintain a {$500.00} minimum daily balance thereafter for sixty ( 60 ) days. You deposited {$500.00} into the account on XX/XX/XXXX. You needed to then maintain a {$500.00} minimum daily balance for the next sixty ( 60 ) days, which would have been through XX/XX/XXXX. However, on XX/XX/XXXX, a check you wrote for {$25.00} posted to the account. The ending balance in the account on XX/XX/XXXX, was {$470.00}. Because the balance of the account fell below {$500.00} during the sixty ( 60 ) day timeframe, your account was disqualified from the bonus and the {$250.00} was not credited to your account. In Fifth Third banks {$250.00} cash bonus offer, it states To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/XXXX, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. In Fifth Third banks response, it failed to mention that I reached {$520.00} balance in my account on XX/XX/XXXX, and kept this balance until now, which is XX/XX/XXXX. The truth is that I reached {$500.00} on XX/XX/XXXX, dropped the balance to {$470.00} on XX/XX/XXXX, and reach {$520.00} again on XX/XX/XXXX. It happened within 45 days of account opening. Then I kept this balance until now. In Fifth Third banks term, nothing mentions if a customer drops balance below {$500.00}, then reach to {$500.00} again within 45 day, customer will disqualify the bonus. I did reach {$500.00} within 45 days of account opening, and keep it more than 60 days. Therefore, I believe that I fulfilled Fifth Third banks term. Please review your term again, and put {$250.00} bonus into my account. Best regards XXXX XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Transportation are coming out of my account without my authorization.
Company Response:
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/19, I visited a branch to get help with my account which was being charged for multiple insurances fraudulently through insurance brokers. I worked with XXXX XXXX, who opened another checking account for me and moved my money from the compromised account. At the same branch visit ( XXXX 5/3 branch at XXXX XXXX XXXX XXXX, XXXX OH XXXX ), XXXX was supposed to be assisting me with adding my daughter as power of attorney for all of my accounts. We submitted the notarized documents and were assured that the info was added. However, almost a month later, my daughter is still not added and is unable to help me with my accounts without me there or on the phone. I am a XXXX year old retired XXXX XXXX veteran who is not at all tech savvy. I have been asking my daughter to help me because my account was repeatedly being overdrawn by these insurance companies who I couldn't reach to cancel my accounts because I don't have any of the policy info. Instead, we have been told that there is no fax number to submit the documents, but that I have to go in to the branch. I went to the branch twice today and was convinced to sign up for a loan rather than what I need help with. It has been brought to my attention that this is elder abuse. My daughter can not take off of work to go in to the branch with me everytime in order for my requests to be met. Also, it appears that even when she does, that this bank would rather continually tell me how they can't help me than actually even attempt to help me other than getting me to sign up for new products, which I'm sure is more in the bank 's interest than mine. I just want to be able to pay my bills and not be taken advantage of. Yes, I understand that we can go in to the branch or mail in the documents, but the situation has already not been rectified in almost a month. As a 2x XXXX XXXX survivor, what I really want to do is live out the rest of my life without this type of stress. I've been with this bank for several decades and I can now say that I would never ever recommend this bank to anyone. The person I spoke with this evening ( XXXX ), told me that he can not give his last name for privacy purposes and can only give his supervisor 's last name ( XXXX ) ... that is very interesting, considering that the branch employees give their full names. It sounds a fishy as the banking practices 5/3 uses and it also sounds like a convenient way for there to be no accountability. I'm trying to help myself, but obviously, I'm not important enough to receive help from a bank who has MY money.
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My purse was stolen along with my checkbook, bank card and I'd. The bank was informed within minutes. I closed my account. The bank opened a new account. Two checks were fraudulently written. The bank erred in protecting my new account. One check was corrected, but the bank refuses to take care of fraus dweck of XXXX. Despite the fact I signed and submitted an affidavit if fraud on both checks on same day. Meanwhile my account is now overdrawn. It refuses to give me my money I deposited from my paycheck before any of this fraud. The bank refuses to acknowledge the disputed fraud check. I've filed police report. The bank and police are aware both of the fraud checks were written on same bogus account and name on the sa.e day. The bank reversed all of my on line payments in order to pay itself back, but not correct the fraud error. I've been told over phone it could take 30 to 90 days to investigate, but refuses to tell me why the fixed one fraud check and not the other. Police have told me the fraud was likely committed by the felony lane gang.
Company Response:
State: OH
Zip: 43551
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My house flooded in XXXX of XXXX. My house has been completely repaired as of XX/XX/XXXX. The mortgage company still has {$370.00} left but the Loss Draft Department will not release the balance to me because they arbitrarily are stating the repair is 90 % complete. {$370.00} on a $ 35,000+ estimate. That amount is a fraction of my mortgage payment. Managers will not call me back and they keep making me miss work to have inspection companies come out who keep giving different opinions on how much work is done, when my home is actually better off than it was before since everything was completed/upgraded. I just want my {$370.00} as I paid for every repair out of pocket and had to fight with them every single step of the way for any reimbursement. It doesn't make sense as to why they are holding this money when my repairs are complete and have been that way for over 8 months.
Company Response:
State: NJ
Zip: 07424
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have three ( 3 ) late payment for the months of XX/XX/2019, XX/XX/2019, XX/XX/2019 My mortgage bank notified me of being in breach of contract and I had until XX/XX/XXXX to remedy the breach. Mortgage payments are $ XXXX month All late payments were paid on the following dates : XX/XX/2019 in the amount of $ XXXX by check XX/XX/2019 in the amount of $ XXXX over the phone XX/XX/2019 for the amount of $ XXXX over the phone The Bank has notified me that there was no payment posted or made on XX/XX/2019 for the amount of {$700.00}. However, my personal bank and checking account statements show a mortgage payment by phone was made and charged by the mortgage bank. The mortgage bank requested my bank statements to be faxed to their office to help open an investigation into the missing mortgage payment. Upon notifying the bank of my faxes sent and sending the bank statements to two different fax telephone lines, a bank rep mentioned they never received the fax statements, yet the fax machines I used for both lines confirmed the statements were sent successfully. I contacted the mortgage bank to discuss another discrepancy that occurred on the same date as the " lost payment '' ( XX/XX/XXXX ). Immediately after making my payment and changing my contact information, I received -- by email and by direct mail -- a confirmation letter addressed to a different person altogether! Some man and name I do not recognize. It is now XX/XX/XXXX as of writing this complaint, I called the bank to discuss my faxed paperwork and the discrepancy for the unrecognized name. The rep who answered was instructed by management to tell me they were too busy and too understaffed to handle my call and would call me back on my cell phone at a later time.
Company Response:
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A