Date Received: 2019-09-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, I applied for and received my current mortgage. It has been sold several times. The most recent sale was to FirstThird Bank this past spring. Since 53 took over servicing of my mortgage, I have had a rash of problems. 1. Most concerning is that 53 can not seem to explain clearly where my money is going or handle my requests for advance payment with any dependability. Heres why that is important. I had made 3 advance payments with MB Financial when the transfer occurred. I can not determine how or when those payments were applied. I have been unable to get a written accounting from 53 that explains clearly where those payments have gone. My top concerns is detailed in the attached statement and dated XX/XX/XXXX. Calls to the bank did have them release a different statement, also attached. This one does include due dates, but not balances. 2. Additionally, 5/3 Bank requested a payment of XXXX to account for an escrow shortage ( Statement Date XX/XX/XXXX - statement attached ). I made the payment online in the amount of XXXX on XX/XX/XXXX - which does not appear to be applied to escrow seems to be applied to principal and it is impossible to tell what is happening in the escrow account. 3. One last concern in that the XX/XX/XXXX account the indicate the past payment went entirely to interest and escrow. Nothing to principal. A second XXXX statement was sent on XX/XX/XXXX, its unclear why, and again, not clear what they have done. Please note that I called and asked for an audit between the two statements, but did not ask them to do anything. I was denied my request for an audit. Overall these statements are so convoluted I have spent hours trying to understand them. Unable to do so I elicited help from a friend very well versed in financial matters who also can not make sense of them. Calls to representatives and supervisors at Fifth Third Bank have not helped. If nothing else I hope to draw attention to the incomprehensible information available to me through their website and hope this can be addressed.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi, To who this may concern, On the XXXX of XXXX called and made a payment over the phone, and by mistake I made a payment with my account that I stopped using, and that account didnt have funds. So when I realized that there was no money in the account, I right away called back and made a payment with my new account, but I didnt know that the account has a different routing number, so I gave the old routing number, and after that I called multiple times to see why the money wasnt withdrawn from my bank account, and only after 30th day from my due date, you told me that the banking information was incorrect, so I updated it and the payment went through, and then I asked multiple times if you can remove this negative mark from my credit report, and you guys told me that you will remove it, I asked a few times but you still have not removed it from my report and my cosigner. I am applying for a mortgage now and it is really hurting my ability to obtain a mortgage so I ask if you can please help me and remove this negative mark from my report and my cosigners report, as I made a payment the only thing that was missing was the banking info was not correct.
Company Response:
State:
Zip: 11211
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Someone open auto loan in my name without my permission to do so.I am a victim of identity theft, and did not make the charge [ s ] .I did not open or authorize this account, therefore request that it be REMOVED immediately.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had a dispute over a wire transfer over the XXXX XXXX weekend with 5/3rd Bank for the amount of {$1500.00}. I immediately called the Dispute Department and signaled Fraud. I was advised from the dispute department to call XXXX XXXX XXXX where the transfer was sent. XXXX indicated that the information could not be shared of where the funds were transferred. As it turned out, I did not get the funds back. According to FBI reporting on wire transfers, as time drags out the less likely you will not recover your funds. An increase of wire fraud had increased over the last few years. I did not get a Field Investigator assigned until weeks later who was XXXX XXXX. His phone number is XXXX. I also filed a police report. XXXX shortly after took a vacation and when he promised me he would get back regarding the status of my case ; and I did not get a response over several calls. I also filed a complaint to recover my funds to the Loss Prevention department through XXXX XXXX who is a Bank Manager. I discovered on XX/XX/XXXX when visiting a local branch without notice that my Loss Prevention Claim was denied in XX/XX/XXXX under Dispute # XXXX. I even suggested to XXXX should I report this to the FBI and he said no he can handle my case. This transaction was part of the Bank 's Negligence writing that my transfer was due to health care reasons and dragging out an investigation. I hope that CFPB can resolve this matter with a Bank for once because I am filing a Civil Suit against 5/3rd Bank for more than my losses if my {$1500.00} is not reimbursed. I am getting tired of Banks getting away with misconduct and not recovering losses when Banks do have insurance. I have had a couple bad experiences with Banks not covering check fraud, and other related issues ; and I am not letting this issue go because I do not want other victims/consumers to encounter the same problem.
Company Response:
State: MI
Zip: 48124
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Dear sir or madam, I opened a Fifth Third bank Essential checking account on XX/XX/1919. At that time, Fifth Third bank has a checking account promotion. {$250.00} Cash Bonus Offer To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third XXXX, XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX XXXX ** checking account by XX/XX/19, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements. I have maintained over {$500.00} in my account since XX/XX/19. On XX/XX/19. I have met XXXX XXXX XXXX of {$500.00} for 60 days. I am supposed to receive {$250.00} bonus within 10 business days, which is XX/XX/19. Until now, XX/XX/19, I still did not receive this bonus. I have contacted Fifth Third bank many times, but no solution. Could you please help me to solve this issue? Best regards XXXX XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2019-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The company cancelled the insurance policy I've purchase for myself in favor of its own insurance that is nearly 4 times as expensive. Then on top of that, I backdated the insurance policy to point where now it's charging me for two policies at once, once on XX/XX/2019, then again on XX/XX/2019.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XX/XX/XXXX received voicemail from XXXX that said unless I called back I would be served with a summons. They stated to call XXXX to resolve. When I called that number they stated I could pay XXXX over the phone or wait for the summons Monday and pay over 1000, the rep said the company name was XXXX XXXX. Called the bank they referenced and the bank stated my account was closed in XX/XX/XXXX in good standing.
Company Response:
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: To whom this may concern, I had paid off my remaining balance online of {$1800.00} on XX/XX/19. Fifth Third Bank failed to notify me regarding a balance {$5.00}, so for the past 5 months they have been reporting late payments to the 3 credit agencies ( XXXX, XXXX and XXXX ). There was no way for me to know there was a {$5.00} balance, had I known I would have no problem paying them. As a matter of fact I have never failed to pay them, always on time and even more then the minimum payment because I wanted to finish paying off my car so I can purchase the house of my dreams. The only reason I knew about this issue was because I applied for a house loan recently and it shows in my credit report the late payments. So I immediately called Fifth Third Bank and paid off the remaining {$5.00}. In the meantime my home loan application has been denied due to the late payments that Fifth Third Bank failed to notifying me. Not a single call or letter. I believe this is very unjust because if they have the obligation to notify the credit agencies they should also notify me regarding any remaining balance. Again all I want is for Fifth Third Bank to remove the late payments they made against me. I have already file disputes under the 3 credit agencies, however nothing has been resolved. I called again directly with Fifth Third bank and inclusive spoke with their supervisor XXXX ( I have her employee ID ) on XX/XX/19. She stated there is nothing to do, due to the fact that the account is close since XX/XX/2019 and that they are not responsible for notifying us regarding any unpaid balance.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Today, I was at work when I got a phone call from a restricted number. The person left me a voicemail saying they are XXXX XXXX from XXXX serving me with legal court and criminal court documents tomorrow between XXXX and XXXX. I call the number they left on my voicemail and a guy by the name of XXXX told me I'm being sued by Fifth Third Bank. I have never had an account with that bank and have no knowledge or notice of being placed into collections by that bank. XXXX threatened me over the phone saying this will turn in to a warrant for my arrest and they are coming for me tomorrow. This has to be an act of fraud because I have never opened up a bank account with that bank however XXXX had all my information like my social security number.
Company Response:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received notification on my credit report that a new auto loan was obtained in XXXX. I contacted the reporting agencies and was advised I had NOT made a new car loan. The information was sent to the bank ( 5th 3rd Bank ). The bank responded the loan was valid. I then contacted the bank on XX/XX/XXXX and advised the fraud department the loan was taken out by another person with my same name but a different address and he used my social security number. The bank advised they would investigate. The car was purchased from Off Lease and auto dealership. Someone with the same name somehow purchased the vehicle with my social security. They couldn't provide me with any information or a purchase agreement. Off Lease is located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I advised that I also had applied for a car loan via online in the past but never purchased a car. I have since been in contact with the general manager of Off Lease ( XXXX XXXX - XXXX ext XXXX ) and he advised his legal team was working on it and he contacted 5th and 3rd Bank as well. They are under the impression this person somehow stole my social security number to purchase the car. I'm not sure if that is true or if Off Lease assisted in this illegal transaction. I am exhausted by the running around and investigating I have had to do. Someone needs to get this fixed and take me out of it. The police won't file a report without documentation and Off Lease advised their legal team stated not to give me copy of the purchase agreement. I am still waiting on some answers from Off Lease and or 5th and 3rd Bank. I am very concerned that my identity was stolen. I am not sure who is to blame but I do believe Off Lease may be involved in this case and I believe the person who purchased the car from Off Lease was aware he was using my identity to purchase the vehicle. I want this OFF my credit report. I am the victim here and there doesn't seem to be much concern about my life and the problems this has caused.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A