Date Received: 2018-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This problem started when Fifth Third Bank purchased my mortgage from XXXX XXXX in XX/XX/XXXX. In XXXX, Fifth Third sent me a notice that they require Flood Insurance on my home. I purchased my home in XXXX, I took out a mortgage with XXXX XXXX in XXXX and was not required to have Flood Insurance. I refinanced my home with XXXX XXXX in XXXX or XXXX and again was not required Flood Insurance. Fifth Third purchased my mortgage in XX/XX/XXXX. On XX/XX/XXXX I received a notice that my loan was transferred to Fifth Third. The auto payment from my bank was returned to my bank because they couldn't apply it with XXXX 's account number. I then received a notice for flood insurance. i sent them a " dispute on XX/XX/XXXX to XXXX. On XX/XX/XXXX, I sent certified copies of the elevation of my property to XXXX. I called them on XX/XX/XXXX and did a telephone payment with Fifth Third. I did not get their account number until XX/XX/XXXX. On XX/XX/XXXX, I received a " second notice '' about the requirement for flood insurance. After several phone calls, I was told that they never received anything and was told to send everything to XXXX. This was done on XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX XXXX, a supervisor, and was told that they had nothing about the dispute that I had sent them. On XX/XX/XXXX, I resent everything to the supervisor XXXX XXXX XXXXXXXX. I also obtained from my insurance agent an email and a Standard Flood Hazard Determination and a map from the Department of Homeland Security, XXXX XXXX XXXX XXXX which clearly indicated that my home was in flood zone X and flood insurance was not required.On XX/XX/XXXX I received a notice that Fifth Third had obtained flood insurance from XXXX XXXX XXXX XXXX for a cost of {$2100.00}. On XX/XX/XXXX, I received a letter from Fifth Third which said they received the elevation certifications but that they would require a LOMA or LOMR removing my property from a flood zone. On XX/XX/XXXX, I sent a Certified letter to XXXX XXXX XXXX, President and CEO of Fifth Third Bank along with copies of the certificates of elevation, the Standard Flood Hazard Determination fro XXXX along with the map from Homeland Security. On XX/XX/XXXX, I did get a call from Ms XXXX XXXX, from the office of the President. I did get her assurance that a case has been opened, issue # XXXX and that more information would be mailed to me within 15 to 25 days. On XX/XX/XXXX I have a letter from a XXXX XXXX XXXX, Senior Vise President, because the mortgage payment amount was {$880.00} not the increased payment of {$1100.00} which included the " forced flood insurance '' payment which was deducted from my escrow account. I tried to call them on XX/XX/XXXX, which the letter stated their hours of customer service was XXXX to XXXX Monday Through Friday and Saturday XXXX to XXXX. Needless to say, every office in Fifth Third was closed on Saturday. I called their customer service today, XX/XX/XXXX and spoke to a XXXX and was told she could not apply the payment as a normal mortgage payment. When I spoke to Ms XXXX, I had asked her to notify the department that I was not instructing my bank to increase the payment and she said she would. I have all of the documentations and copies of the correspondence via e-mail to all the departments in Fifth Third Bank and would be happy to forward them to you.
Company Response:
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Fifth Third Bank incorrectly listed my second mortgage loan as " reaffirmed in bankruptcy '' from XXXX. They use an external company ( XXXX XXXX XXXX ) to process their bankruptcies. This service filed a reaffirmation agreement with the court that was subsequently disapproved. Fifth Third never updated their record as " discharged in a bankruptcy '' from " reaffirmed ''. XXXX XXXX XXXX says : " it's not our fault..we just process '' ... .Fifth third says : " It's not our fault ... we use an outside service '' ... the credit bureaus say : " It's not our fault, we send the dispute and they leave it the same ''. In three weeks of research I finally got the data to fifth third and they claim they updated their records to " discharged in bankruptcy ''. BUT ... .they say they won't report it to the bureaus that way. And of course the bureaus won't change the data on their own. The XXXX amendment to the Fair Credit Reporting Act mandated ( section 623 ) that data providers must adhere to the same requirements of reporting ACCURATE DATA as the bureaus. Just because they suffered a loss in a bankruptcy is no reason for them to adopt a cavalier attitude on maintaining accurate records. I filed a CFPB complaint against the bureaus on this and they washed their hands of responsibility. I am filing this one against Fifth Third and hoping the CFPB will protect my rights.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-11
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: XXXX XXXX at fifth third bank gave me information that was misleading and inaccurate. when i opened my acct. on XX/XX/XXXX i was told by the branch manager at 5/3 that my checks would be delivered to me within 5 - 10 business days, free of charge. i watched the manager order the checks. they have not arrived. i asked about the on-line banking, he set it up for me and it worked. that was on XX/XX/XXXX. a week ago i had to pay bills so i tried to make a car insurance payment using the online banking. and to an error message. on XX/XX/XXXX i went to a branch and they " fixed '' it and it worked once. but then i could not login. my user ID was invalid. so, after working on my login i could login but i could not use the on-line banking. so i called the customer service line and XXXX told me that it takes 14 days for checks to arrive and that they had never been ordered and there is a fee for the checks. i had to wait 30 day before i could use the on-line banking system. all of this information is misleading and bad! i would like to complain about the misleading information they gave me.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2018-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-11
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: In XX/XX/2016 took out a CD for four years at fixed rate and term. The bank offered a free safe deposit box to induce us to take out the CD at the low rate. The bank without notice now sends us a bill for the safe deposit box. We are stuck. We can not get out of the CD and they won't bump up the rate. Took the box rent bill to the local bank branch. They were to look into it!!! Now get another bill with late fee added on. Never heard from the bank as to why they double crossed us. They are now tacking on fees to confiscate all of our money. Greed and FRAUD. This bank is committing a crime with all of their customers.
Company Response:
State: IN
Zip: 47331
Submitted Via: Web
Date Sent: 2018-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I contacted my mortgage bank, Fifth Third Bank, to question how my escrow payment would be adjusted if I paid the first installment of my XXXX taxes in XX/XX/XXXX instead of XX/XX/XXXX. I wanted to do this so I could claim this payment on my XXXX tax returns. I knew my deduction would be limited on my XXXX tax returns due to tax law changes. The Fifth Third representative told me that they would make the payment for me as they were for many of their customers. I confirmed that I wanted the payment made by XX/XX/XXXX. In XX/XX/XXXX I received my Escrow Statement which did not show the extra payment. I contacted Fifth Third and they told me that they did not make the payment because they did not have a tax bill. I asked why they did not contact me before the payment deadline and they had no explanation. We had several discussions where they kept apologizing but offered no compensation for my lost tax benefit. I have calculated that I lost {$1800.00} due to their negligence. I hired an attorney to send a letter to Fifth Third on my behalf. We submitted our first letter on XX/XX/XXXX. We received no response. We sent a follow-up letter on XX/XX/XXXX. We still have not received a response. The letters were sent via certified mail so we know they were received. We would like your help to get Fifth Third Bank to respond with a payment of at least {$1800.00} and cost of legal services. Their lack of and response is unacceptable.
Company Response:
State: IL
Zip: 60018
Submitted Via: Web
Date Sent: 2018-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Sometime in XX/XX/XXXX, I started investing in my XXXX XXXX XXXX ( XXXX ). I wanted to change my life through this business. Since I do not have the funds to invest, XXXX have Seed capital company to help me find funding through credit card applications. One of the bank is from Firth Third Bank. This bank approved me for {$4000.00}. I then use it to pay for my XXXX business expenses on XX/XX/XXXX. There were 2 transaction total was {$3700.00}. Due to my business was slow with no sales and commission, I could not afford to pay my Fifth Third Bank credit card. I tried paying on XX/XX/XXXX, {$76.00} and requested to have the late fee waived. The bank did it for the one time only. Then months went on, my business still not doing well and in XX/XX/XXXX, myself and other XXXX business owners found out XXXX has been shut down by Federal Trade Commission ( FTC ). There were heavy ongoing investigation and court cases. Theres a case number XXXX on XX/XX/XXXX confirming the FTC have court cases ongoing explaining how XXXX business function especially it is scamming innocent victim like myself. When that happened I was shocked and completely disbelief the scam from a business I heavily invested in, so I filed a complaint to FTC online on XX/XX/XXXX. My reference number is XXXX. I did contacted FifthThird Bank to file for dispute due to XXXX scam on XX/XX/XXXX. They told me they will mail out dispute form for me to fill and attach with any supporting documents. Which never arrived. 2 weeks later fifth third bank started to call me daily asking for payments. Without any warning and they continued to call daily including weekends harassing for payment. In XX/XX/XXXX I received a letter dated XX/XX/XXXX about my dispute were denied even without given any chance to receive any dispute form and file other than received daily calls asking me to pay money. I called the bank to clarify and was told I have been sent to collection agency and can only make payment through them. Immediately after receiving the letter from XX/XX/XXXX, it seems like I can not have my dispute request and been sent to collection. This has been the worse bank compared to other bigger institutions like XXXX. Which they are very understanding and have been working on my disputes. I need help with this. FifthThird bank is not giving any mercy for me to help me with my failing business and the credit card dispute from he failing business.
Company Response:
State: WA
Zip: 98371
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have a car loan on which I created an auto pay account within my personal bank. So the payment will be donde monthly prior to the due date. The payment history with the bank that has the car loan is excellent never missed a payment and the amount sent every month was over the regular amount. All of the sudden my bank stop sending the payment and the account was behind for nearly two months. They report to the Credit Bureau a delinquency on my account. I never recieved a phone call from the XXXX XXXX. I contact the bank and they verify my excellent payment history with them, including my amount of the payment been more than the regular. An electronic payment was sent to cover the balance due, which by the way was less than an actual monthly car payment. Since the lender procced to report my " delinquency '', my credit score is affected. I want to dispute the report and get it removed from my credit report. So my credit will be as good as it was.
Company Response:
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2018 I called XXXX XXXX concerning my first Mortgage statement. I'm a brand new Mortgage customer at XXXX XXXX. I noticed a discrepancy with my first Mortgage statement so I called my Mortgage Co Customer Service Department and the Customer Service Rep was polite and courteous. After I explained my issue to her she was unable to resolve my issue and transferred me to her Supervisor at my request and that's when the problem began. I could tell that she was not a Supervisor just by her tone and the way she answered the phone. She was very RUDE & GHETTO. She was unwilling to assist or listen to what I had to say. She just kept repeating the same thing over and over again. Indicating that there was nothing that she could do for me at this time. I had to take a deep breath and count to 10 because I was about to go off on her, but I didn't. I informed her that I could not pay this amount on my statement and she transferred me to the Mortgage Assistance Department which was closed for the day. If this is the type of service that I can look forward to I can't wait to refinance or to have my Mortgage sold to another Company. I know that there's a current Lawsuit or one coming soon and I can't wait to jump on that band wagon. No one needs to be mistreated and treated like a number. She made it seems like I was bothering her, but she forgot who pays her salary. My Issue was never resolved so I'm stuck with this high payment. So I guess my other option is modification or bankruptcy.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I gave my daughter {$160.00} to deposit in my account at the ATM with my debit card acct : # XXXX, however, she went to the drive-through window. Even though she did not have a deposit slip the teller took the deposit, there are two accounts, but the teller placed the money in the wrong one, which causes the account to go in the negative when my XXXX XXXX XXXX check presented to the account. I discovered the problem on XX/XX/2018, and contacted the bank immediately, the funds were transferred to the correct account by the bank rep : however, they refuse to return the {$37.00} overdraft fee. I would be very appreciative if you could assist me in recovering this fee. Thank you in advance. XXXX XXXX
Company Response:
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX XXXX and 5th Third Bank have defrauded my XXXX Account of {$340000.00} and confirmed by XXXX XXXX and I was defrauded by 5th Third Bank of {$140000.00} by having these monies crawled back stating unauthorized. This will be proven that both banks have insider people at the banks relinquishing individuals accounts as stated by XXXX XXXX who admitted on a recorded call since I am in New York and this perpetrator has now blocked my calls from further engagement after acknowledging same. I am sure the FBI or any federal agency can track this down and question him and his phone number XXXX as was previously identified in my Summary of Deposit Returns enclosed. XXXX XXXX with the help of XXXX XXXX without my knowledge enrolled an account from 5th Third bank in the amount of {$140000.00} on XX/XX/2018 with Account No XXXX being the last 4 digits with confirmation code XXXX pay me my monies that was owed to me. They paid my monies only to show the money and then pulled the money back. I was unaware of the circumstances but in the past several weeks having to speak to XXXX who now has been sentenced to Securities Fraud and trying to still befriend him so perhaps he would make restitution on this. He then either got scarred but now I was able to communicate with XXXX XXXX which as stated above was recorded. What was extracted from these conversations and shared with XXXX XXXX from XXXX, is that they have business partners in these banks to perpetuate various bank crimes I am now bringing in 5th 3rd bank into this alleged scam since this appears to be a conspiracy that now includes XXXX and 5th Third bank and XXXX. This shows that the banks security has been breached by insiders at the bank and XXXX XXXX had stated they have business partners within these banks that give them individual bank information and that is how they paid me my monies that are due me. Perhaps this is also money laundering. They enrolled several bank accounts on my XXXX Account to pull down money from those accounts and put on my XXXX account to pay me back for monies that are due and owed to me and my corporations. With XXXX Bank there was a third-party verification, however with 5th Third Bank they just enrolled and then pulled back the money after showing that the monies were there. With 5th Third Bank XXXX XXXX told me that XXXX XXXX had instructed him to return the monies to XXXX XXXX. XXXX XXXX XXXX has been charged with Cryptocurrency fraud by the US Commodity Futures Trading Commission. As explained by XXXX XXXX they have business partners in the banks that provide this information on various bank accounts. This is ILLEGAL. They have paid monies that are owed and due me with stolen money from other peoples bank accounts. They owe me this money and now have used stolen monies as far as I understand this and by defrauding the bank and me the banks have errors and omission insurance to make restitution to me. This is FRAUD and I am a consumer should not be responsible in any way due to banking rules and regulations. Also, now that this is not an isolated situation but now has happened with two banks of XXXX and 5th Third Bank in addition to fraudulent documents that were submitted to XXXX this is a complete SCAM. I expect that 5th Third bank, XXXX and XXXX will all collaborate on this and return monies back to my account for rightful debt that is owed me and that a Crime investigation should take place on how these banks are being defrauded internally by their own personnel. As a XXXX, I do not think you want me to go to the media and expose this that these banks have inside people in their banks robbing their clients monies. With XXXX XXXX after third party verification was performed and acknowledged on two separate occasion 10 days later the monies were crawled back stating unauthorized transaction XXXX XXXX as stated above whom I spoke with acknowledged that she would make full restitution with XXXX on the phone. However, even though this is still an on-going investigation, XXXX is and will be found responsible for complete payment of XXXX. Subsequently, now that I have researched this further and XXXX XXXX acknowledged that this is happening in all of these banks, this is a conspiracy to defraud the banking system and therefore their various account holders. I am not an account holder at XXXX or 5th Third Bank and these crimes were cybercrimes. I insist on all my monies back and will do everything in my power, go to the FBI, Banking authorities, media etc. to exploit and educate the consumers about the fraud taking place at these banks. IF my monies are not returned to me, I will take this to a higher level.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A