Date Received: 2023-09-25
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I unexpectedly lost my job in XXXX and I contacted Fifth Third Bank in XXXX to discuss mortgage relief options. I requested mortgage relief assistance on XX/XX/2023 from FifthThirdBank I called the phone number and was told to apply online. I uploaded the form online and my mortgage relief application was closed on XX/XX/XXXX No one contacted me or told me why it was closed or what additional information is needed to continue with the mortgage relief assistance program. I contacted the support via messaging and they told me that I had never applied and there is no application open and that I need to apply again. I called the support phone number again they said the same thing that I had never applied and no application is pending and then proceeded to give me circular answers that I need to call and check on it while the application is open. There is no record of alerts, messages or any information regarding my application status, it was closed without any notes or details. None of this makes sense, I am not being provided with proper guidance or assistance and from my perspective they are closing my application, not telling me why and not providing assistance during the application process.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Problem when making payments
Subissue:
Consumer Complaint: XXXX XXXX, an XXXX XXXX, cold knocked on our door selling premium solar panels and installation in Virginia. They indicated they had a relationship with a financial institution, Dividend, which was providing a significantly lower APR than any other institution for the project. We we able to get " pre-approved '' for the loan the day the XXXX company representative was here, however, the " pre-approval '' was actually the loan application. Following the loan application, XXXX was paid following the initial installation of the panels, not completion of the project -- which would require a working system. The loan amount was {$97000.00}. This was paid directly from Dividend to XXXX. During a call with an XXXX representative in XXXX XXXX it was disclosed that XXXX had direct access to my loan information from Dividend through a " portal ''. In the same month I contacted Dividend and inquired as to why they would pay the contractor prior to the completion of the project as this has now placed the consumer in a bad position of the contractor having no incentive to complete the project and they stated that their position is to pay the XXXX " upon installation of the solar panels. '' This payment then initiates the loan repayment process upon which the consumer has 60 days to begin payment on the loan. Our panels were installed in early XX/XX/2023 and our loan is due XX/XX/2023 and we do not have a working solar system because the contractor has not yet completed the project. This does not make any sense and it seems to the outside eye that Dividend and XXXX may be colluding to create an untenable situation for consumers.
Company Response:
State: VA
Zip: 22601
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX my ex-husband walked into 5/3rd bank and cleaned out my daughters checking account and closed it out. There is a XXXX XXXX XXXX against him as he continues to harass my family and I. Please note that this account was open with our name on it when she was a XXXX. I still had access to the account online, but we were unaware he was on the account at all. My daughter who is now XXXX has been the sole person depositing and withdrawing on this account. That being said 5/3rd bank on XXXX XXXX in XXXX Illinois did not even question him as never withdrawing from this account. They never reached out to the main account holder, and they let him steal close to {$4000.00}. I went in the bank to ask for documentation to take to the police department. XXXX was rude and told me to go online and get the documents. I said that my account was closed, and I had no access to the documents anymore. He basically told me to leave. I talked with the branch manager XXXX a few days later. She told me she does not care. I can take my accounts elsewhere and if I want documents, I should have my lawyer subpoena them. With so much fraud, I want a bank that looks out for their customer. Is it even legal to close out a joint account without approval from all those on the account?
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: OVERVIEW : My wife and I have never missed a payment on anything ever. Until the inaccurate information posted by Firth Third Bank was filed to our credit report, our credit scores were regularly in the XXXX 's with sizable income > XXXX per year. We always pay off our monthly credit cards in full, have no car loans, student or medical debt. We have a mortgage, a solar panel system loan and that's it. We have cash reserves that cover the mortgage balance and the solar loan but choose to invest this cash elsewhere. We are not a credit risk. And yet due to this inaccurate information our credit scores dipped into the high XXXX 's and we have had to recently withdraw attempts to purchase a new home. The incorrect information posted to our credit report is egregious and inflammatory and inaccurate information of this magnitude should be removed as it is malicious. HISTORY : In XXXX we purchased a primary residence in XXXX, Texas. Fifth Third Bank bought the loan and became the loan servicer. Automatic mortgage and property tax withdrawals were set up and were never missed. In XX/XX/XXXX we temporarily moved to our second home in XXXX XXXX, Texas due to XXXX ( our child was high risk and we needed to move to a lower risk/population density location ). We rented out our XXXX property and paid for mail forwarding. We never received any notice from 5thThird Bank at our new XXXX XXXX address, despite getting many confirmations of mail address changes from our primary financial institution ( XXXX XXXX - thank-you XXXX for doing your job well ). In XXXX of XXXX we moved to XXXX XXXX, Nevada and sold our XXXX XXXX secondary residence. Again we paid for mail forwarding to our new XXXX XXXX address and received address updates from XXXX XXXX and many other service providers- as is typical when one pays for mail forwarding notifications. Again, we received no new statements or notices from 5thThird bank. In XXXX of XXXX, we sold our XXXX residence and paid off the XXXX Mortgage to 5thThird Bank. We no longer own the property and the loan is paid off in full. THE ERROR/PROBLEM In XX/XX/XXXX, in spite of regular and continued auto payments to our mortgage, we got a notification that our credit score had plummeted and upon investigation discovered Fifth Third bank claimed we had missed a mortgage payment. After calling the bank, they shared with us our ESCROW PAYMENT had changed by about {$35.00} and thus our auto-pays were short by that amount. In the attached statements, it's even more egregious that as monthly payments continued to process automatically, FifthThird Bank began to label them as unapplied credits. How on earth can there be unapplied credits but unpaid mortgage? We did not receive any formal attempts to contact us about the property tax escrow change ( no letter mail, no email or confirmed calls ). When we eventually spoke to their management, we shared that the mortgage payment never changed and was always paid on time, and that the escrow payment was a separate payment that wasnt even due yet for taxes. However, they claimed their internal policy was that both payments constitute a mortgage payment and they would not remove the missed payment from our record. We are arguing that this was an extreme and malicious approach to a mild and easily solvable situation that originated due to their error. In no world was our mortgage payment late. And their lack of attempts to make us aware of the change was underwhelming. And at the end of the day the FACTS are inaccurate. We had an approx {$70.00} miss on our escrow payment. But we were not late on any mortgage payment and to say we were is a complete fallacy.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been disputing this Fifth Third account since XX/XX/2023. I recently received a letter on XX/XX/2023 from Fifth Third stating that per their investigation, they have the understanding that the account was not opened by me and that i wasn't being held accountable for the account. The stated that they were contacting the credit bureaus to delete the information off my credit file. The account was deleted by all 3 credit agencies, however it has been placed back on my XXXX report.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I filed a Bankruptcy XXXX XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX XXXX, Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted Fifth Third bank, Bankruptcy Department explain what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXXA specialist from Third Fifth bank, Bankruptcy Deparment named XXXX XXXX told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited one mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the Fifth Third Bank had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.
Company Response:
State: IN
Zip: 46123
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: So I submitted complaint about a fraudulent inquiry listed on my credit report you guys totally just overlook everything I sent and tell me to file a police report or show a identity theft affidavit but if you actually read or looked at what I sent to you in the complaint you would notice that I already did send you affidavit please remove this inquiry from my credit report.
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A fraudulent account was opened in my name that I did not authorize.
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I have a mortgage on my Condominium with Fifth Third Bank. My taxes and insurance increased last year by approximately {$2000.00}. The escrow statement for the coming year has reflected the increase and I agree with that. The escrow statement however, claims that I will be {$5700.00} short this year even though I am paying throughout the year. The Bank 's justification for the shortage is that they are paying the tax in XXXX, even though it is not due until XXXX. Further, calculating the balance at the end of the year, they still claim that I would be {$1200.00} short, even though I will have {$4500.00} in my escrow because they are using the same logic for the next year. This is akin to asking for a deposit and this skewing my payments wherein I am paying {$900.00} a month for escrow and only {$800.00} for my mortgage and interest. I have another account with Fifth Third and this is even more more egregious because the county has not even released the tax bill which will not be due until XXXX of Next year and they are claiming that they are paying this in XXXX. Fifth Third personnel were rude and told me that they have a right to collect the money at any point since they are the ones paying the taxes and insurance. In effect, they are skewing these escrow balances on purpose.
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Unauthorized use of my card. Tried disputing charges and was only refunded partial amount. Bank said that there was nothing more that they could do
Company Response:
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A