Date Received: 2019-07-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was purchased from MBFinancial by Fifth Third Bank starting XX/XX/2019. Since the merger, Fifth third Financial help submitted multiple automatic payments from my checking account resulting in over {$500.00} of overdraft fees. I tried to negotiate and fix in XX/XX/XXXX but on XX/XX/XXXX/XX/XX/XXXX it happened again. The website is always down and the issue is unfathomable? XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2019-07-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've had my fifth third credit card account on auto pay for the last 12 months and I just checked my credit and it says that i have a 30 day late payment on the credit card. The money was taken out of the account and paid. It should not be appearing as a late fee on my credit report.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2019-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was changing my insurance policy. The old policy was to end on XXXX. The new policy was set to take effect on XXXX. Fifth Third, our mortgage company was informed of the change by my insurance agency, XXXX XXXX XXXX XXXX. They were also given the address to send the payment to out of our escrow. They sent the payment to the wrong address. Therefore, we did not have insurance from XXXX until it was discovered on XXXX. We immediately purchased insurance. It was a higher price because of the lapse. A difference of {$830.00}. I immediately contacted Fifth Third. They acknowledged the mistake on their end.I have talked to them several times and they keep saying they will call me back. They have never called me back and its been over 4 months.We are asking them to pay the difference of {$830.00} and take care of the lapse in coverage fees they are trying to impose on us. Enclosed is the policy that we were never able to get, the policy we had to buy, and the latest letter we received from Fifth Third asking us to pay for insurance during the lapse. The last supervisor I spoke with was XXXX XXXX. XXXX is the email he gave me. He has never responded to any of my emails. The last time I spoke with Fifth Third I told them I was filing a complaint. Thank you, XXXX " XXXX '' XXXX
Company Response:
State: FL
Zip: 33967
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am filing charges according to my rights disclosed in section 609.. about my credit report not showing anything owed to this account with XXXX XXXX XXXX . There have been repeated threatening calls and just today on XXXX XXXX, 2019 a letter threatening to forward an account listed in the letter, for a possible litigation through a in the state of Michigan. They are threatening me, if I don't respond with payment of {$3900.00}, for an account that has no credit report backing it and no proof of a written signature by me, that by XXXX XXXX, 2019 they will pursue litigation against me. I have requested them since receiving these letters to produce an original signature of my own hand-writing and the original contract for this account. I have in previous complaints submitted evidence of identity theft, which was also backed through local police reporting. The company responsible is XXXX XXXX XXXX with address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX another address shown on letter is : XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX There report is on some, FifthThird Bank-Real Life Rewards with some listed Account Number : XXXX Reference XXXX Account Number : XXXX with a proposed amount owed of : {$3900.00} I am requesting you to ask them to produce evidence to you and me that there is a written signature by me and that they can show an original contract that would show this as a valid debt. I fear this may an identity theft issue. I also do not see this debt reporting on any of my credit reports. Can these institutions still threaten with calls and these letters without the backing of the credit report. I have included an attachment of this letter as well. thank you.
Company Response:
State: MI
Zip: 48146
Submitted Via: Web
Date Sent: 2019-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: The Fifth Third Bank, in collaboration with the " XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, have been forwarding and or have distributed fraudulent info, in the data bases, of all national Banking Financial Institutions, in America, in an effort to stop or discontinue me from applying for a new account, savings, checking, or otherwise. The Fifth Third Bank, has alleged that I have several Overdrafts, on my checking account, at acct. no. : XXXX, aba routing no. : XXXX, and other fraudulent usages of the account. Each time I mmake another application at another bank to apply for a Checking, and or Savings Account, the banking representatives state to me that they can not open the account, for the reasons that I owe Fifth Third Bank, {$80.00} Dollars, for a past overdraft! This payment had been delivered to FTB 's Credit Collection Bureau, located in XXXX, Ohio, ( addr. N/A ), I've never had any more than ( 3 ) temporary checks, so there is no possibility that I had any checking acct. overdrafts, which is an excuse to stop me from creating another banking privilege. I insist that Fifth Third Bank, officially correct the fraudulent data info, relayed to the XXXX XXXX XXXX, ( that may be an informal credit bureau correcting agency ), so that I may continue to access new banking privileges, that the Fifth Third Bank, were so insistent on refusing! This is intentional infliction of emotional distress, and I insist that a " CEASE & DESIST ORDER '', be entered against Fifth Third Bank, immediately.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2019-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I accessed my Fifth Third bank account on XX/XX/2019 at XXXX and noticed my Checking account had been closed as of XX/XX/2019. I did not initiate, authorize, or even receive any notification of my checking account being closed.
Company Response:
State: IL
Zip: 60115
Submitted Via: Web
Date Sent: 2019-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed and sold my property on XX/XX/16. Fifth Third Bank received the pay off for the amount they disclosed as the payoff amount. This amount included a payment of {$130.00} to the mortgage insurance company and it was also stated on the payoff letter. On XX/XX/16, Fifth Third Bank made a disbursement for my escrow account of {$270.00}. They should not have paid out anything from my escrow.
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I've had a credit card with Fifth Third for at least 2 or 3 years. I recently received a letter that my credit limit was decreased and the reason was very vague I've never been late on any credit card or ever had any credit card out of 10 different credit card companies to decrease my credit limit for no apparent reason. After speaking to Fifth Third it is my understanding that my credit limit was decreased because my credit score drop 7 points due to the fact that I opened up a new credit card account with XXXX 's XXXX XXXX. This is not acceptable. XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX have never decrease my credit limit
Company Response:
State: NC
Zip: 27253
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The previous page where you could categorize what they were doing they were doing all of those things they threatened to Sue me and said they will be serving me with a summons either at my work or home, they also called family and friends they had not sent me a letter they had been calling and harassing me after I had told them that the debt had been paid. This all originated in XX/XX/XXXX I had a 5/3 account I never used and it was overdrawn by {$1.00} and I was never contacted by the bank so they waived all but 1 of the fees and I paid {$26.00} to bring the account to XXXX and I closed the account. Fast forward to XX/XX/XXXX when XXXX XXXX firm contacted me and said I owed {$210.00} for the 5/3 account and with it being 9 yrs later I had no proof that it was paid so I ended up paying the {$210.00} and received a paid in full letter. Then Friday XX/XX/XXXX I received a call from XXXX XXXX XXXX. This was the first time I spoke with or ever heard anything from this company no letters no nothing and when I heard it was for the 5/3 account again and they were looking to collect over {$450.00} I was not happy. I told them the debt had been paid and I would find the documentation on Monday XX/XX/XXXX. After I received a call from a private number on Monday XX/XX/XXXX that I did not answer I got phone calls from my brother, my dad and my fiance saying this place was calling for an account I owed on. They left threating messages on my voice mail and my fiance 's saying that they will be coming to my house and or work and will be proceeding to sue me. So now I have had my credit score beat up, the embarrassing conversations I had to have with the people they were contacting and so on.
Company Response:
State: IL
Zip: 60050
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
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: In XX/XX/XXXX, I noticed fraudulent charges totaling approximately {$1000.00} on my 5/3 checking account. I alerted them and instead of closing/freezing the account immediately, they opened a new account, for which I denied a debit card because at the completion of the fraud investigation, I was intending to close all accounts with 5/3. The fraudulent charges were moved to the new account so that when the investigation was complete, they could refund me the roughly {$1000.00}. Their investigation indicated that the charges were in fact fraudulent charges and 5/3 refunded the charges to the new account in XX/XX/XXXX. I noticed that the initial account with the fraudulent charges incurred interest fees totaling {$1.00}. I called the bank and they adjusted the charges, acknowledging that they accrued in error and I would not be responsible for them. In XX/XX/XXXX, I received a notification from my credit monitoring company that my XXXX XXXX had dropped due to derogatory remarks due to a late payment of more than 110+ days. When I opened my credit report, I noticed that the charges were coming from 5/3, and that they had never submitted the proper paperwork to adjust the fees and have the incident removed from my credit report, as it was not a mistake or late payment on my part. I called 5/3 Bank immediately and spoke to the highest person I could get in contact with and was assured that they would submit the paperwork to have the error removed from my credit report immediately. In XX/XX/XXXX, a potential home lender pulled my credit report and enquired about the delinquencies. The errors are still appearing on my credit report. I need these to be removed so that my husband and I may receive the home loan for which we qualify for otherwise. 5/3 Bank has not attempted to remedy this, and I have filed two disputes in XX/XX/XXXX, XXXX with XXXX and one with Fifth Third 's Dispute Department, in addition to filing a dispute orally with the bank. One dispute that was filed n XX/XX/XXXX indicated that there was no error and my credit report would stay as is. I immediately filed an investigation and submitted an 8 page narrative along with bank statements as evidence that the error was made on 5/3 's part.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A