Date Received: 2019-03-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders. In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations. I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I opened a new auto loan through Fifth Third Bank on XX/XX/XXXX through my dealer. There were several times that Fifth Third Bank lost my payments. I would call because I would get a late notice and it was very difficult to reach customer service to get it resolved or to make the payment over the phone. I also tried to set up auto payments so that I would not have the issue of the payments getting lost and that was also difficult to have a representative help me. I eventually refinanced the loan at a different bank. When my bank sent the payoff to Fifth Third Bank the payment was again not applied right away and the lien card was not sent to my financial institution in a timely manor. I have suffered a 30 day late on my credit because of it and it is costing me higher rates on other loans. I closed the loan on XX/XX/XXXX. This is unfair lending because it is costing me higher rates and lending for a service that they did not provide in a timely manor.
Company Response:
State: MN
Zip: 56301
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX//2019 there was a concert that i wanted to attend so i went on XXXX to try and look for some tickets, some last minute deals, so i found this one that seemed alright. I contacted the seller through text and we started to just talk about the tickets, like what section, and stuff like that. I was ready to buy but before i sent any money i had him/her send me proof of their purchase or a order conformation number, which they did and they were bought through XXXX. i called XXXX to make sure that conformation number was real and he said that those were indeed theirs, so i felt alright. The seller then wanted me to send money through XXXX which my bank uses so i felt even better because i thought if anything goes wrong i can just get my money back. I sent them the money for the tickets, exactly {$120.00} for 2 Tickets, he/her was taking a little long to reply to my texts so i got worried. eventually he texted back and sent he sent the tickets to check my email, so i checked and the tickets were there and i felt relieved, i thanked them so much for it, they probably just laughed off how they just tricked me, anyways i get to the venue and i go to open my email for my tickets and i have an email from XXXX saying that the tickets that were transferred to me were not valid that the buyer bought them fraudulently and that the original order was cancelled, honestly i was mad and felt XXXX plus i invited my friend as a surprise and that was embarrassing. i tried calling and texting the buyer but i guess they blocked my number. i called my bank ( fifth third ) and they said they couldnt do nothing about it because its a 3rd party transfer, but yet they still use them and XXXX cant do nothing about it either because they dont offer fraud protection which i didnt know until now. so now i dont know what to do, in my situation that XXXX hurts i sacrificed it to be able to go to this concert but yeah its not cool.
Company Response:
State: TN
Zip: 37217
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Good Morning. The issue was with Fifth Third Bank. I had a balance for {$4.00} and did not pay for two consecutive months. They reported me to the Credit Bureau what affected my score considerably. I called customer service because even when I'm not enrolled on paperless statements, I never received an Statement over the mail. I was wondering I had the autopayment choice saved with them. Online they have a tab with Alerts and Messages. Both inbox are empty. I never received an email or notification about these late payments. Usually banks call their customers when this happens. I never received a courtesy call from them. I asked why I never received any notification and the responses were ridiculous. I was reading the reviews of this bank online and they use to abuse with customers and this case is similar to many others. I really would like this bank to stop abusing customers, this is not the way Bank acts.
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Fifth third bank paid a XXXX $ overdraft on my behalf and charged my account XXXX $ and an XXXX $ daily fee. I asked that they close my account in XX/XX/XXXX but they refused and kept charging me. Now i owe them XXXX $ and are threatening to report to credit berau.
Company Response:
State: MI
Zip: 48146
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
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: I have a loan with FIFTH THIRD BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FIFTH THIRD BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX
Company Response:
State: PA
Zip: 15090
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: To all parties connected to this fraudulent mortgage loan origination matter. I have been misrepresented by the lender from Fifth Third Bank and the FHA appraiser from XXXX who Fifth Third Bank Mortgage department hired for both FHA appraisals. Fifth Third Bank Mortgage department intentionally submitted the wrong appraisal calling it an error. Why Im certain of this matter is because its protocol within the guidelines to submit the lower appraisal. The property that was purchased in question was a flipped property that required two FHA appraisals due to the property being put on the market within 91 days after the recorded deed date from the previous owner. The FHA appraisal overlooked the safety and the condition of the home. After receiving the clear to close endorsed by the underwriter DE from Fifth Third Bank Mortgage Department. On the day of closing I took possession of the property unknowingly, that the FHA guidelines wasnt met due to the safety and conditions of the home. Although, the report stated differently this home has multiple deficiencies that conflict with FHA guidelines. In concluding, these impairments to the property in question were not disclosed in any of the reports. My personal private inspection came back with 21 deficiencies conflicting with Fifth Third Bank 45 days prior. Due to these circumstances I feel my rights have been violated under the lender liability law and program guidelines.
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2019-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.
Company Response:
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2019-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.
Company Response:
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2019-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third uses fuzzy math. I do my calculations with the computer XXXX program for accuracy. Fifth Third table shows actual escrow balance {$2700.00}, when XXXX subtracts the {$1500.00} reimbursement, the balance is {$1200.00}. Fifth Third XX/XX/2019 statement shows escrow balance of {$1000.00}. This is short {$110.00} I also get the same math results of {$110.00} by using paper and pencil Issue a reimbursement check of {$110.00} Pay my homeowner 's policy on time in XX/XX/2019 XX/XX/XXXX
Company Response:
State: WV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A