Date Received: 2019-01-14
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: to whom it may concern, XXXX we have been the victims of identity theft,. people have been pretending to be us via a veteran program called XXXX. three people XXXX XXXX XXXX XXXX and XXXX XXXX ( property manager. ) people were illegally attached to us via XXXX XXXX XXXX and XXXX XXXX. fifth third has already verified XXXX. we believe that XXXX XXXX ( fifth third ) and XXXX XXXX related to each other along with XXXX XXXX in XXXX north carolina. we believe that XXXX XXXX at fifth third on XXXX and maybe other banks she worked at. it was brought to my atttention back in XX/XX/XXXX on camera by a teller she was assigned to our accounts..we never signed any paperwork for her to be our payee or power of attourney, we didnt authorize anyone, including XXXX XXXX and XXXX XXXX of XXXX including XXXX XXXX or anyone else including XXXX XXXX XXXX, also including the adjacent XXXX XXXX that was illegally attached to us via XXXX. we have paperwork stating that XXXX was our payee. and that was paperwork given to us by ss admistration. ss administration knows that we dont have payee. and suggested we get monies back from fifth third. fifth third has been uncooperative.. even fifth third verified people had numerous bank cards in our name. we can be reached at XXXX XXXX XXXX ( home ) .we have paperwork documents to prove this. once again XXXX XXXX at fifth third on XXXX ... XXXX XXXX XXXX. we never authorized XXXX to do anything with our accounts. the other number where i can be reached is XXXX XXXX XXXX. there is red flag on two numbers XXXX XXXX XXXX and XXXX XXXX XXXX.. these our old number we no longer use but someone has them pretending to be us and speculate assume its XXXX XXXX ..illegally attached to us via XXXX embezzling monie from us to because they illegally had our ss numbers. and we speculateXXXX was living here for two years prior to us being here pretending to be us through XXXX. irs already verified over phone some onXXXX was living here in our XXXX XXXX two years prior to us moving in XX/XX/XXXX XXXX. our XXXX XXXX said XXXX , and so did XXXX XXXX and fiftth third. there was bogus account called XXXX XXXX XXXX.. and this XXXX ( who we never authorized to payee or power of attourney ) had opened commercial bank account..it was verified XXXX XXXX had our info, .back in XXXX identity theft in the year XXXX. we opened XXXX account XXXX and thats how we found out someone was usig our name. XXXX ... so how many people via featherfist XXXX XXXX XXXX XXXX illegally gave ss numbers because people illegally attached to us via XXXX. we speculate more banks. mr XXXX verified, how many XXXX XXXX ... so multiple women pretending to be me and my husband as well mr. XXXX XXXX XXXX XXXX. he stated this over phone. mr. XXXX did. the XXXX police have already verified multiple id in our name. including driver license my husband never had drivers licence. so bottomline embezzlement from above named mentioned XXXX first initial XXXX at fifth third on XXXX and XXXX and XXXX XXXX.. ( alleged property manager aka slum landlord ) placed on us XXXX XXXX XXXX and XXXX XXXX .
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, FL XXXX XXXX home office XXXX cell XXXX This is the letter I sent earlier in the week to the Office of the President at the fax listed on the letter. I think this is the easiest way, I can in fewer words convey the difficulties I'm having. Yesterday was the final blow when they sent me the third mortgage escrow analysis in the last few months, this one showing I have an overage of {$14000.00}. These are the last people who need to be handling our mortgages. They're cooking these books. Their junk fees they're always adding, if accrued would give them enough arrears to push most people over the edge into foreclose, if they don't realize unless called for in their mortgage, can not legally be added. Please correct me if I'm wrong. Here 's what I sent : XX/XX/XXXX Office of the President 5/3 Bank Fax # XXXX RE : QWR - Regarding Mortgage Loan Account # XXXX Dear Sir/Madame : I originally wrote this letter to you on XX/XX/XXXX but after receiving a call from XXXX, with Fifth Third, advising she had been assigned as my exclusive contact, along with a direct telephone point of contact, I was hopeful it would be unnecessary. After repeated assurances Fifth Third was working diligently and expecting a resolution soon, I didnt send it at that time. Ive changed the date to todays date and am now sending this letter to you, as this is past the critical stage and heading to catastrophe and my repeated messages to XXXX on my direct line have gone unanswered. If I can not get resolution to this matter by Wednesday, XXXX XX/XX/XXXX, it is my intention to engage the assistance of a group of lawyers, which I can assure you will cause far more expense and difficulty, if that is possible. Your bank has made a serious error regarding the above account and my efforts using your standard methods have not been successful, so Im reaching out to you today in hopes you can help get this issue resolved. Unfortunately, Ive very ill right now and am unable to provide exact dates of everything as theyve occurred, as Ive been unable to return to my office where my records are kept. Hopefully, with the estimations Ill provide, youll be able to determine where things went wrong. I live in XXXX Florida and was a victim of Hurricane Irma. I received forbearance assistance, for which I was very grateful, while I fought and continue to fight my insurance company to get my home returned to its pre-storm condition. I recently participated in the modification trial period and my mortgage was modified in XXXX, XXXX. So far, Ive received two checks which were made out to myself and 5/3 which I promptly deposited into what I was told was an escrow account for insurance proceeds, to be paid out when work to my home was complete. The first check was deposited and according to your protocol, I called for an inspection. No inspector ever came but I did finally receive the check for my roofer and he was paid. The second check, which was deposited somewhere around XX/XX/XXXX was in the amount of {$8400.00} and cleared your bank XX/XX/XXXX. Around XXXX, XXXX I submitted paperwork for my fence contractor to be paid. When I heard nothing back, I called and was told it was never received but a bit later in the conversation, alas they found the request. I was told it would be processed and Id have the funds in 7-10 business days. Im still in the throws of remediating mold in my home, so it may have been 3 weeks before I called again as there was still no check. At this point Im getting threatening letters from my fence XXXX who has completed his work sometime ago and if not paid very soon, will be turning me into a collection agency. Having just completed 5 years payout on a Chapter XXXX bankruptcy I was forced to file after my husband died, this is now of grave concern to me as Ive worked very hard to get my credit back in good standing. I called and again I was told there had been a delay but was once again reassured Id receive the funds in 7-10 days. Still no check, phone call or letter of explanation ever arrived. I called again on XXXX XXXX and was told there was an issue with my account, i.e. I only had {$34.00} in my insurance escrow account. Now its getting very serious! Somewhere within that time frame of phone calls and after my modification, I was notified the annual escrow analysis had revealed an overage in my account and Id be receiving a check of around $ XXXX. It didnt occur to me those were actually insurance funds because they were such different numbers. Only after reviewing my last mortgage statement where I saw my taxes and insurance had been paid, did I begin to put it together. Now Im being told regarding my modification they are redoing the numbers, unfortunately, I believe its being done with insurance claim funds that are meant to restore my home and desperately needed in order to keep from further damaging my credit. I wish I were more confident Id receive some immediate help but having sent several QWRs in the past which never received a response, I cant help but worry this too will be another disregarded and ignored request. I dont have the dates of those QWRs at this moment but can provide those once I can get back to my office. In addition, Im constantly having to call for removal of what I call drive by fees, I believe your term is inspection fee for {$12.00}. When I spoke to the bank yesterday, having seen more on my statement, I asked they be reviewed. Ive been told by legal council if those fees were not spelled out in my mortgage documents, they can not be collected. Your Fifth Third representative advised those were legal fees if one was in arrears ; however, Id just been reassured my account wasnt showing arrears or not in good standing, simply showing it was being modified and the forbearance was not being reported to the credit agencies and all was well. My mortgage documents do not permit these fees and theyve always been removed before ; however, it is quite troubling they continue to be added and I must be vigilant or theyll continue to be added to my account, which is in my mind, a type of fraud. I would also appreciate if you would instruct those fees never be added to my loan again and any I may have missed, also be refunded. After many hours on the phone with different departments, I fear this has become such a convoluted mess, involving so many different departments and personnel, it will take someone in extreme upper management to get this issue resolved, hence this letter to you. Time is of the essence and this has the potential to be a serious legal problem. Because Ive received such a run around, I felt it necessary to contact the CFPB. I plan to file a formal complaint this afternoon. This is absolutely unacceptable and these issues must be addressed immediately, the inspection fees removed, corrections made and checks provided to myself for the {$2300.00} which was the down payment on the fence and to the remainder to the contractor, XXXX XXXX, who has completed his work. Please help me resolve this issue which left undone could have catastrophic results for both 5/3 and myself. Regards, XXXX XXXX XXXX XXXX home/office XXXX cell
Company Response:
State: FL
Zip: 33919
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Mortgage {$80000.00} Foreclosure XX/XX/XXXX Lawsuit filed-XX/XX/XXXX. By several homeowners against the City, engineers, contractors, Implementation team. Due to a City owned Dam Breach. The largest environmental lawsuit in Michigan. Caused flooding, mold and contamination to several homes and properties.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Trouble during payment process Please see my initial complaint information above. This complaint has NOT been resolved. Now the company is sending me letters warning that I am late with my payments. I tried calling the number and person who responded to my complaint however, they did not answer so I left a message. This company has some serious communication issues. Additionally, they have very shady practices in applying payments and charging astronomical prices to service the mortgage. I am requesting that you look into their mortgage loan practices. This company bought out my loan and ever since they started servicing my loan, I have had problems. They do not apply the payments I make and then charge me fees that I do not understand. When I have called to tell them to apply my payment, they have ignored my attempts. They continue to send me bills and call me daily. They sent me a letter to state that they would stop payment on the checks that sent me and apply those payments to my account however, I would still owed {$1700.00}. I called the number they had in the letter ( no answer ) but left a message to stop payment on those checks and sent {$2000.00} to make sure I covered the amount. Today I received a letter stating that my account was in arrears and they would start collection. I don't know what will resolve this issue since any attempt to communicate is thwarted by answer machines or being placed on eternal hold.
Company Response:
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2019-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a pending complaint against Fifth Third Bank, complaint XXXX. On Friday evening, XX/XX/2019, I attempted a transaction on my debit card. The card was denied. I tried again, the card was denied. I had nearly {$7000.00} in the bank. I called the bank, I was transferred three times and spent over two hours on the call. After two hours and seven minutes, I was connected to the dispute department at which time I learned via the representative that my bank account had been frozen due to the claim I filed for reimbursement of fraudulent activity. The bank refused an explanation as to why our account was frozen and would not explain to me why they had placed over a negative $ 16K fee/balance on my account. The fraud department supervisor ( XXXX ) would only transfer me to the fraud investigator 's voice mail ( XXXX ) something the bank previously stated was against bank policy. I filed a police report on the fraud and an officer has made an attempt to provide images of the thief ( s ) that corresponds to transaction receipts on my account. However, Fifth Third declined the images. Fraud has been proven. I received no notification that my account was being frozen. My account was frozen during late afternoon/early evening on a Friday afternoon, ensuring we would not have access to our funds during the weekend. We have no ability to access our funds in order to purchase fuel for our car or groceries for our family. This is an effort to intimidate and cause financial hardship on our family. The bank is engaging in predatory and retaliatory business practices and attempting to make us absorb the fraudulent activity we experienced through their bank.
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I set up auto bill pay to automatically pay the minimum. At this point I was told the normal payment method of transferring it online automatically was wrong and I needed to cancel it. I noticed it didn't come out automatically in XXXX and on XX/XX/XXXX set up auto bill pay again. At that time the system was showing I owed XXXX dollars as the monthly payment. On XX/XX/XXXX I got a call saying it was past due and I never got anything in the mail nor call before then. I paid the balance in full of XXXX. On XX/XX/XXXX when the card was at a XXXX balance they processed a payment of XXXX again. Then realized their auto bill pay was all messed up and credited it back to me on XX/XX/XXXX. I got an alert my credit score had dropped due to a 30 day late payment for the month of XX/XX/XXXX. I disputed that and got no where with the creditor even channeled it up to legal and compliance. I then disputed it with all 3 credit bureaus. Finally I am filing a complaint as a last ditch effort before getting a lawyer involved.
Company Response:
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2019-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I purchased the house in 2005 for {$30000.00} on a 30 year loan. I have paid on this for over 20 years now. The mortgage has been sold a few times but when this bank purchased the loan, I asked them to send me paperwork showing my balance. They told me to keep paying from the coupon book I had. I asked them several times to send me something showing what I owe. Over the last 4 years they increased my payment. This year I asked them why. They said it was to cover the cost of insurance and property tax increase so I called the county and they said they are not raising taxes this year. I then called my insurance agent and he said he has not raised my insurance in the last 5 years. I am now receiving monthly bills for the house and it shows a balance of {$60000.00}. I have called several times to ask them why there is still so much due when it should be about paid off. They hang up on me or transfer me and I am on hold several minutes. I have had XXXX eye XXXX 's this year and am now going to lose my job as a XXXX XXXX driver as I have lost the sight in my eye. My husband has been XXXX for the last 3 years and so has no income. Every time I call the bank to see what we can do they threaten me with foreclosure and my credit. I am in an XXXX mortgage. I called HOPE and talked with a man named XXXX from XXXX. He called the bank and tried to get them to answer questions for me and he found that they did the same thing with him. First they hung up on us, then they put us on hold for XXXX minutes, they came back on the line to say they are transferring us, we were again on hold for XXXX minutes before the phone was disconnected. XXXX from XXXX suggested I fill out this complaint. I have a PIF receipt for an old balloon payment that I believe they may have added on to my balance. But again when I bring that up to them, they transfer me before they end the call without anyone talking to me. They are also charging me for not having a local bank in my area. I told them they should not charge me when they not having a local in my area is not my fault since they bought my mortgage.
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2019-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third states the compliant appears to be a duplicate and then consumerfinance.gov accepts this at face value and closes the complaint. Fifth Third is not using my home owners policy with XXXX XXXX, which I paid in full, the annual premium in XX/XX/2018, totaling {$900.00} when Fifth Third calculate my escrow costs. Fifth Third uses a figure of {$1600.00} and I can not determine how they are allowed to use this inflated amount to insist I pay an inflated amount instead of the actual costs of home owners insurance for escrow. I spoke to XXXX in Fifth Third 's insurance division and they now my homeowners policy is with XXXX XXXX and they know the annual premium was paid in XX/XX/2018 for the full amount due of {$900.00}
Company Response:
State: WV
Zip: 262XX
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: We paid off our loan on XX/XX/XXXX. Our final payment was over in the amount of {$2900.00}. We were told funds would be released after ten days. On XX/XX/XXXX, we had not received the refund of funds so called to check on refund. We learned they had been sent to our physical address where we do not receive postal service mail. We were told a new check would be issued and sent to our P.O. Box. We called on XX/XX/XXXX to check on status of check, as it had not yet been received. We were told ( by customer service rep XXXX ) that a check had been mailed to our P.O. Box on XX/XX/XXXX, and we should continue to wait to receive it. We called back on XX/XX/XXXX to check status, and were told by supervisor XXXX that a check had been mailed on XX/XX/XXXX to our physical address, and they saw no evidence of any other checks having been sent. XXXX issued a case number, and said a new check would be overnighted for receipt by XX/XX/XXXX. On XX/XX/XXXX when check was not received, we called and spoke with manager XXXX who said that a check had been sent, but in no way expedited, and we should wait 7-10 business days to receive that check. The banks phone system called us back about 30 minutes later, so we ended up speaking with customer service rep XXXX, who told us a check had been mailed to our P.O. Box on XX/XX/XXXX. When we asked her about the XX/XX/XXXX check she transferred us to supervisor XXXX. XXXX iterated that a check had been sent on XX/XX/XXXX, was not able to be expedited, so we should wait 7-10 business days for that check to arrive. At every turn, received different and conflicting information from each representative at 5/3 Bank, and were repeatedly asked to just keep waiting to receive the refund of our money. At no point were they willing or able to provide a more constructive or traceable solution to these many checks supposedly sent, but never received by us. In the mean time they have been in possession of nearly {$3000.00} of our money for a month, they the holidays and the turn of a new fiscal year.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2018 I purchased a new vehicle through a dealership. Since I still owed on a previous car loan they sent a check to Fifth Third Bank totaling in the amount of my XX/XX/2018 statement. On XX/XX/XXXX, after the dealer had mailed the check, an automatic withdrawal of {$320.00} was made from my bank account. This was the automatic payments I had set up with Fifth Third bank that recurred monthly around the same date and for the same amount to pay my current loan. Since I knew that they would be receiving a check from the dealership I figured I would eventually be getting a check in the mail for the over payment. When the check didn't come I called the bank multiple times trying to get my money back. I was told they never received the payment. On XX/XX/2018 I sent them my bank statement which showed the withdrawal of {$320.00} that was subtracted from my account towards to loan. Even after this the bank will not return my money as they seem to have " lost '' it. My only option at this point is to contact my own bank and hope they will refund the money Fifth Thirds Bank has lost.
Company Response:
State: WI
Zip: 54650
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A