Date Received: 2019-04-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: You previously referred me to FHFA and apparently they have no specific department/section/division who is responsible to properly investigate my complaint. This is an update of our original request for assistance from your office. In a recent letter received from Ms. XXXX XXXX, representing Fifth-Third Bank in which she acknowledged receipt of our original home loan agreement. As she noted the language contained in the contract is void of any requirements for us to submit any type of contractor 's license, etc ... in addition to any receipts in reference to the repairs of our home. However, according to her, as the Service Provider for XXXX XXXX they are obligated to follow XXXX XXXX guidelines, regardless of what the terms and conditions contained in the above agreement. XXXX XXXX, has refused to acknowledge and/or provide any additional direction or instruction to Fifth-Third Bank to include requested written communication regarding same. It appears that XXXX XXXX is in cahoots with Fifth-Third Bank by unlawfully failing to abide by the terms and original agreement of our home loan. XXXX XXXX as also with malice has purposely refused to resolve this conflict and continues to point to their vendor as the agency responsible and Fifth-Bank points to XXXX XXXX as states they are only following XXXX XXXX guidelines. XXXX XXXX, as well as Fifth-Third Bank, is unlawfully withholding the insurance proceeds received in this matter and is, therefore, causing an undue burden on and preventing the commencement of the needed repairs to our home. Today I just received a phone call from a XXXX XXXX representative " XXXX '', who essentially advised that she had reviewed my complaint and concluded that she found nothing wrong with the way my claim was being processed. In fact she explained that everything was being conducted in accordance with their policy and service guidelines. When I asked her if she had reviewed the terms and condition of the original home loan, XXXX stated she had not and in fact admitted she did not have a copy of same. Apparently XXXX conclusions and opinions are solely based on presupposed assumptions, misinformation, a total lack of comprehension in contract law as well as what her vendor has communicated to her. In other words XXXX XXXX and/or their vendor have not done anything wrong and are not going to change their minds, even though the original terms and conditions of the home loan are being violated and not adhere to. When I requested that this complaint instead be referred to their legal department, she told me she would not do that because their legal department does not provide legal opinions to consumers! In fact, the request was not for me per se, but for them in that I was hoping that someone with some experience and knowledge of contract law could investigate this matter and could advise XXXX XXXX and/or Fifth-Third Bank accordingly.
Company Response:
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/2019 I talked to a rep at my mortgage servicing company ( 5th 3rd ) about getting an appraisal to be able to drop PMI. They rep told me that the amount that my house would need to be appraised at to drop the PMI would be {$350000.00}. When the appraisal came back at {$360000.00}, they said they can not drop the PMI because the debt to value ratio is under 70 %. They looked into it and listened back to the recorded conversation and stood by their decision because they say I signed the agreement with this on it. I feel they were deceitful, and should at the very least refund me the cost of the appraisal.
Company Response:
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had opened a secure credit card in the amount of {$300.00} that I started with 5/3rd Bank back in XX/XX/2013. About 2 years ago I went in to close the account because I had established credit with a regular credit card and did not need it..when I closed it they gave me my {$300.00} back that secured the credit card and I thought all was good. On my credit report it shows closed by credit grantor which I believe has had a negative affect on my credit. I disputed this with all three bureaus and XXXX and XXXX still will not remove this incorrect information.
Company Response:
State: FL
Zip: 33703
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Problem when making payments
Subissue:
Consumer Complaint: In XXXX of 2018 Fifth Third Bank put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account then reopened it when I disputed the issue with a manager in XXXX, Ohio. They sent me a letter saying they reopened the account but never removed the late payment that was associated with the same issue. It just popped up on the two other bureaus and has greatly lowered my score.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a XXXX yr old female in XXXX, Nebraska going through a divorce and opened an account in matrimonial site XXXX. A person named XXXX XXXX XXXX contacted on website and later texted on XXXX. His phone number is XXXX XXXX XXXX. He said he is an architect, widowed and has a son in XXXX. His son also contacted me from phone number XXXX XXXX XXXX saying his Dad asked him to connect with me. After few days he said he is going to XXXX for an ongoing construction project where he is getting millions of dollars back. From there he said he needs money because he got stuck with the materials at port need to be shipped and company is not sanctioning money at this stage because the project is not completed. He begged for help and asked for a temporary loan to wire transfer to his friend in Florida XXXX XXXX on his Fifth Third bank account number XXXX in Ohio. I did send wire transfer from my bank XXXX XXXX XXXX XXXX XXXX {$50000.00} on XX/XX/XXXX. After that he kept asking more and more facing more issues and I sent several other transactions from my XXXX XXXX XXXX total of {$71000.00} wire, plus {$3000.00} by XXXX XXXX Tracking Number XXXX XXXX XXXX on XX/XX/XXXX and {$1000.00} XXXX XXXX cards for his son.Total money lost is {$120000.00}. On XXXX, he was planning to be back and return money, he did not show up. I suspected fraud and informed my banks and police. His friend XXXX whose number is XXXX contacted and said that he is sick and admitted in a hospital in XXXX asking for more money for his hospital bills.
Company Response:
State: NE
Zip: 68135
Submitted Via: Web
Date Sent: 2019-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/XXXX Fifth Third Bank received a letter disputing the account they were reporting on my credit report. ( Please see " Fifth Third Bank Letter 1.pdf '' and Screen Shoot For " Fifth Third - Delivery One.png and " Firth Third Bank - First Signed.pdf '' ) I know that Fifth Third Bank had 30 Days from receiving my dispute to respond and added place a " Notice of Dispute '' on my credit report. 30 days after XX/XX/XXXX I checked my credit report and Fifth Third Bank Failed to place a " Notice of Dispute '' on my account. XX/XX/XXXX, I sent a follow-up letter to Fifth Third Bank. ( please see " FIFTH THIRD BANK Letter 2.pdf '' and " FIFTH THIRD BANK - Delivery Two.png and " FIFTH THIRD BANK - Second Signed.pdf '' ) The follow-up letter was to notify them of their mistake ; That they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day Period. Additionally, I've added signed copies from Fifth Third Bank proving they not only got the letters but also signed off on the letters. Finally, it is Monday XX/XX/XXXX about 6 months after and they still have not corrected their mistake. See " Fifth Third Bank XX/XX/XXXX '' png
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2019-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Setup " bill pay '' with XXXX, for mortgage held by 5th3rd Bank. Have regularly paid each and every month from the beginning, YEARS ago. Long ago, I had it set up for payment the XXXX of every month, due the 'guaranteed ' 30th of each month. This year, like three out of four years, XXXX had 28 days ( Yeah! ). BUT this year XXXX hit me with huge penalty when they cashed payment on XX/XX/2019!!! They won't listen to reason, despite the same thing happening every prior year that had 28 days in XXXX, without a problem or a penalty.
Company Response:
State: OH
Zip: 45420
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On Saturday XX/XX/XXXX, I paid the entire payoff balance of my loan which was {$6700.00}, {$2000.00} more than the balance remaining on the loan. I saw the payoff amount and paid that instead of the balance remaining. Notwithstanding, my experience with 5th 3rd has been the worst lending experience of my life, full of crooked fees, " computer '' and crediting errors and staff that mocks and disrespects their customers. On XX/XX/2019 I logged in to the account and it said I had a reaming balance of {$610.00} WHICH IS ABSOLUTELY ABSURD as I have already paid the PAYOFF BALANCE. This is just another example of a 5th 3rd SCAM.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I called to ask what credit reporting bureau 's score does Fifth Third use for auto loan consideration. I was told XXXX. I know I need a score of around 630. I have Identity Alert which gives me my 3 scores monthly. I had just saw my report and scores yesterday. I already knew I wasn't at 630 on XXXX. The representative did not say, " I can run a credit report ''. After running my report she says, " your score is XXXX, which is a little low ''. Call us back later. Again, I already knew my score. I thought she was giving some information to help me. I gave her the information and she gave it back. I do not want a hard inquiry on my report for that!
Company Response:
State: MI
Zip: 48101
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Hello my name is XXXX XXXX my social security number is XXXX the reason for this complaint is that I have been a member of fifth third since XX/XX/XXXX of XXXX I open up a savings account and a basic checking account I set up bill pay for items to be automatically paid out of my checking account. XX/XX/XXXX I graduated from a basic to an essential checking account based upon good account activity The problem comes in where fifth third Bank risk Management department decided to restrict my account XX/XX/XXXX of XXXX and later closed my account 60 days after that date There has been a domino effect of problems that have occurred because of the restriction to my account there were checks still going out for my account that needed to be stopped but I could not because I had no authority to do so my own account I contacted the corporate office of fifth third Bank and my contact person was XXXX XXXX and her supervisor pet which is a compliance officer with regulations I have had broken promises wife both XXXX XXXX and other individuals in the fifth third Bank family andthere 's still no resolution to my problem and the past 70 days I have contacted fifth third Bank numerous times for Domino affecting things that happened because of account my account was restricted the two checks that was going out automatically by bill pay was not stop there for the entities try to cash the checks which there was nsf 's and late fees that they require me to pay I am for the corporate office numerous times about the issue of me not having control over these checks going out I have asked numerous times could they give me a better reason other than account activity so I will know how to not do whatever it was that I did to put me in this predicament and there's still no resolution as of yet till this day
Company Response:
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A