Date Received: 2018-04-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I bought a home under a VA loan with fifth third bank in XX/XX/XXXX.In XX/XX/XXXX i got married and in XX/XX/XXXX we refinanced the loan with fifth third bank with the sole purpose of adding my wife 's name to the mortgage, this is a fact that was repeated through out the process so there was not any chance of a misunderstanding.On all of the paper work we have from the refinancing my wife and myself and consistently documented as co-borrowers and co-owners as well as requiring both of our signatures. The bank ran both of our credit scores to achieve the loan and my wife 's was higher so they used it to complete the loan.When we discovered her name was left off in the end we contacted the mortgage department at fifth third and they said unless they ran my wife 's credit score that's the only way they can add her to loan and we have that document but they are denying any knowledge of this. When we went to the bank with all of our documents showing both of us were on the refinancing papers as well as credit score ran and in addition a document stating that a notary public was there to verify that we were both in the room to refinance, they simply looked at the documents and said the only way they would correct their mistake was if we refinanced again at a higher rate. We feel like they are at fault and we are demanding that they add her name as originally agreed. We are getting no cooperation from them at this point.
Company Response:
State: IN
Zip: 47130
Submitted Via: Web
Date Sent: 2018-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: After missing one payment in XX/XX/XXXX, and making two payments on XX/XX/XXXX, in the amount of {$290.00}, the second payment was NOT counted as a payment. Late fees accumulated. My subsequent payment on XX/XX/XXXX was ALSO not counted as a payment, and I have been assessed late fees even though it was made at a time when the account was not in arrears. 53 Bank is refusing to handle this or apply my payments correctly. Their online system does not give a user the ability to designate payments, does not notify users how it designates payments, and there are no statements or alerts whatsoever. This product is clearly designed to chisel people with late fees and is predicated on dishonesty. I want everyone to know that 53 Bank is terrible regarding the basics like accepting payments. All you have to do is miss one payment, and then they have you. Vile, filthy and disgusting people at 53 Bank.
Company Response:
State: VA
Zip: 24401
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no idea what this hard inquiry was as I started looking at my credit report I saw this and didn't authorize this nor do I know what it is. This inquiry was made on XXXX2017
Company Response:
State: MO
Zip: 63010
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Case # XXXX I had my personal doctor process notes paperwork with my personal information on it DOB, Soc number, telephone number, email address, insurance information, other personal information about me. I also had money, my Fifth third debit card, make up and car keys ( XXXX to replace keys ) in my bag. I had my bag stolen from my therapy work out session. The Suspect that stole my items used my Fifth Third debit card on transactions that I didn't authorized I contact Fifth Third bank the same day the theft occurred to have them to block the debit card. Later I discovered that my card was used to purchase goods and services that I didn't receive The suspect order XXXX XXXX concert tickets in the amount of {$170.00} ( I don't listen to Blues music ) and made other fraudulently transactions with my debit card. Then later the suspect had hack compromise my account with Fifth Third bank I had to go into the Fifth Third branch to close my account and stop all my direct deposit due to the suspect made numerous attempts to get money out my account. I contact XXXX XXXX and informed them that the purchase in the amount of {$170.00} was made without my permission, and that my debit card was stolen. The suspect was never able to use the tickets but XXXX XXXX still charge me for the fraudulently charges of {$170.00} my Fifth Third Bank had given me a temporary credit in that amount but on XX/XX/XXXX Fifth Third bank reverse that money back. I shouldn't be held accountable for this fraudulently transactions I reported this to the bank and contact the Merchant. I file a report with your company also in XX/XX/XXXX and XXXX at Fifth third bank ( XXXX ) XXXX contacted me concerning this case but she didn't resolve the matter. The suspect had all my personal information so the suspect could put my personal information such as name email address and physical address into the computer to obtain goods. These transactions were made over the internet. Fifth Third bank is FDIC and are to secure my money at all times. I did the appropriate procedures to file a claim with the bank and i followed all the guidelines and also file a police report I would like for the bank to give me my money back.
Company Response:
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I went to my fifth third bank located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/2018 to cash a cashiers check, see attachment. When I stepped up to the teller I handed her ( XXXX ) the check and told her " This is a check for a business transaction from out of state and I don't know this person. Should I put a two week hold on this check to make sure it clears? '' She looked at the check and then said " NO this is a cashiers check drawn upon this bank ( XXXX XXXX XXXX ) ( see attachment ) and the member would have had to have a sufficient amount of funds in their account to be able to draw this check. '' Her response lead me to believe that everything was alright. She then cashed the check for me. I left and went about my business. The following week I received a notification ( see attachment ) that {$4500.00} was taken out of my money market account to cover a fraudulent check plus {$15.00} fee. I was very distraught to see this especially since I specifically asked the tellers advice. I went to the bank within the next several days to talk to the manager ( XXXX ), I told him what occurred and he said " We don't put holds on checks, we could cash it or deposit it into your account and the funds would be available in 1 to 2 business days. We can not be responsible for fraudulent checks or checks with insufficient funds. '' I told him that I understood that but in lieu of the conversation that I had with the bank representative I was lead to believe that everything was fine and that I proceeded accordingly after all I am not an expert at banking policy or proceedure. XXXX said " if that was your conversation with the teller then it could have been handled better '' Yah Think??? There was admission right there. Had the teller told me what XXXX told me I would have had the opportunity to make an informed decision having had the proper information disclosed to me. I am in health care and If something happens to a patient after they made a decision base upon incomplete information that I gave them I would be sued for negligence and mal practice. I can only believe that a bank has the same fiduciary responsibility to the community and it's members. If not how can I ever feel safe acting upon anything that a bank tells me again. I would like for the bank to take responsibility for their mistake and reimburse my money in full.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XX/XX/XXXX Fifth Third Bank issued a Cashier 's Check # XXXX for {$22000.00} and on XX/XX/XXXX it issued another one # XXXX for {$7000.00}. Both of these Cashier 's Checks were marked " Pay to the Order of : XXXX XXXX XXXX ''. OnXX/XX/XXXX and XX/XX/XXXX, a person named XXXX XXXX XXXX signed his name to each of the Cashier 's Checks and then photo-deposited them into his personal bank account at XXXX XXXX. XXXX accepted the deposits and sent the checks to Fifth Third for payment. Fifth Third, without validating that the endorsements were full and proper, paid over on the checks to XXXX. XXXX XXXX XXXX then withdrew the {$29000.00} from XXXX and left town. Fifth Third had a very high duty of care to make sure that the Cashier 's Checks were properly and fully endorsed by the payee, and they failed to do so. They should not have accepted the checks from XXXX endorsed as they were. Fifth Third 's actions allowed XXXX personal access to money that was clearly intended to be paid [ only ] to XXXX XXXX XXXX. Their failure to validate and enforce the proper endorsement of these checks, funds that were actually guaranteed by the bank itself, has left the Remitter of the funds [ XXXX XXXX ] legally liable to XXXX XXXX XXXX as the company was never paid for the construction work it did. XXXX has refused to make good on the checks. Fifth Third had a duty to make certain the checks were endorsed by the actual payee and it failed to do so. Fifth Third should step up and make good on the {$29000.00} and pursue XXXX and/or XXXX XXXX XXXX. It should not leave it's own customer, XXXX XXXX, exposed to a lawsuit by the construction company simply because Fifth Third did not do a legal, UCC-compliant, effective and proper job of validating the endorsement on these two checks attached.
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Fifth Third Bank has canceled and changed my account numerous times. I have been charged a {$11.00} maintenance fee on my account. I have lost thousands of points earned from credit card purchases that suddenly disappeared without any explanation. This has been going on for years and it's asinine. I have been with this bank since I was a child. My mother opened up my first savings account with this bank, at the same branch that I've used my entire life. There is no customer loyalty when I have been loyal to them for my entire life. I'm always having to worry if my money is safe FROM THE BANK when I shouldn't have to be worried at all, that's why I deposit my money there to feel that my money is secure. It's not. It's being slowly taken from me and there's nothing I can do.
Company Response:
State: OH
Zip: 44145
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX XXXX XXXX in the amount of {$1200.00} in a checking account i was making payments using another checking account number but i kept accidently using the wrong bank and it kept over drafting me these were not my fault on this amount please remove this and remove the charge off from my credit report as i asked several times. i want to escalate this higher if this is not resolved in 15 days if CFPB will not take care of this matter i will gather all my information to my lawyer on XX/XX/2018 On this date i will get a lawyer because of this i lost my most favorite bank i have recommended XXXX XXXX to tremendous amount of people in my business. Remove my Charge off from my credit report and let me continue a relationship with XXXX XXXX XXXX and this problem will never happen again.
Company Response:
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My 5/3 Bank auto loan is showing late on my credit report. I have always paid my account on time maybe not on the exact due date but I did not miss a payment or 30 days late on my payment. 5/3 makes it extremely difficult and confusing to understand payment details. They will not send a bill and there is not a bill on line. I also have never received a late notice or the online information does not tell you if you are behind on your account. I thought if you are late on your payment you are supposed to receive notification. I reviewed the online account and there is not a notice stating I am late. They try and make it as difficult as possible to follow your account because of the limited information provided or should I say not provided. I made all my payments, if they did not received the payment why didnt I receive notice. Their practices are extremely deceptive. They collected millions or billions of checking fees from posting debts before they would post your credits. How deceptive. XXXX XXXX
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2018-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/ XXXX XXXX XXXX bought my mortgage. I was given a letter saying the auto-payment was set-up before payment was due in XXXX and the letter not making any significant notice of when the auto-pay would start rather hiding it in the body. It was also approved right before a payment was due and through a lengthy process of sending letters back and forth. The payment was never taken and I was given a letter of notice saying I was late. Upon receiving the letter I called and was apologized to, they removed the late fee and had the difference be taken by the next auto-pay cycle. I was promised it wouldn't show up on my credit report and that the auto-pay system will pick up the following month rather than XX/XX/XXXX. Which makes me wonder why in the first place it was scheduled so far off. A few months pass and it shows up, I called back and a woman told me it had to go on the report as it was a missing payment. She said she would not remove it and she didn't know who I spoke with but he was incorrect. I ended up getting a law firm to combat these with the credit bureaus and all but XXXX has removed the item. I am now in the process of buying a home and because of this item not being removed I am at risk of losing out on a home.
Company Response:
State: NY
Zip: 14624
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A