Date Received: 2018-01-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I bought a home in XXXX, 2017 and my mortgage with XXXX was bought by Fifth Third Bank Mortgage in Ohio. I have made every payment prior to the due date. I was informed of the transfer of mortgage by way of a bill and called Fifth Third who told me that a Welcome later would come in a few weeks ( not sure why a bill comes before a welcome letter ) and was assured that there would be no issue that I made my payment to the previous mortgage company because federal law gave me 30 days protection. I have been proactive and contacted Fifth Third every month and spoke with managers with no avail. I send a letter pleading with the CEO asking for help. I have provided documents, bank statements, copies of checks. My own bank, XXXX XXXX XXXX XXXX has faxed copies of documents verifying. I have followed through and been told they did not receive items. I was told that they called XXXX XXXX and XXXX XXXX has sent everything period. When asked if they have requested a payment history they have not. The payment history clearly shows all payments. I have spoken to more people then I can count and am frustrated beyond belief. Yet bills still come saying I am behind on payments as well as phone calls. I have had to tell my story over and over again. I can not fix something for a company I do not work for. They have gone so far as to have their collection department harass me by contacting me via phone ad nauseum while I am trying to work. Please I beg you for assistance to get this matter resolved. I am at a loss of how to fix incompetence for a transfer of a mortgage in which I work for none of the companies but have provided documentation to verify payments made when I had nothing to do with this since it is clearly a servicing transfer issue. But Fifth Third has been very clear that this is in fact MY problem not theirs even though I have sent multiple emails and faxes of documents stating all payments received. To say it is frustrating does not begin to express what I have dealt with. Mistakes happen but the harassment and inability in 4 months to fix this is inexcusable.
Company Response:
State: NJ
Zip: 07840
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-09
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: XXXX take XXXX $ of my money out my Account and I never receive the items I purchase ... Filed a dispute with the bank and they denied it ... say it nothing else they can do to help me at this point ... do n't really know the Exact date ... but it was in XXXX 2017
Company Response:
State: FL
Zip: 32119
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-09
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: On XXXX XXXX XXXX I sent {$250.00} to fifth third XXXX card by mistake via the Internet from my credit union. I called them on the XXXX. They said we have not received the money yet I said okay call back next day they said yep takes 10 business days to get it back I call back on the 10th business day and now they say takes 5 to 7 days to get money in the mail that 's funny it only took 30 seconds for my internet to transfer the money
Company Response:
State: KY
Zip: 40219
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX XXXX Fifth Third performed an unauthorized hard inquiry on my credit report, i did not authorized such inquiry and it is affecting my XXXX XXXX. I tried contacting the Bank without any success.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: If we would of known we can complain here we would of done it at the moment. The problem was with Fifth third Bank. It is a little long to write here would prefer phone call to explain, but a little is since the first month of the payment due we were wrongly charged late fees us nit being aware that the first payment was not applied do to it was not withdrawn from iyr bank account and from there were charged every month a late fee for that very first month for over 2 years. Every month was a late payment charge ys not being aware until approximately a year later if that late payment. Us thinking we were on time every month abd up to date. When we received our first xmcall with that nonsense after arguing our right abd trying to get them to understand we ended up paying the late fees around one thousand dollars. They kept calling after that! Claiming we were behind again and every month was a new late payment since they consider every month to be behind a month. My husband is XXXX and would get translaters and were really rude. I really wish we had the dates abd names of workers but we dont. He was treated wrong and once they even hung up on us since a English person answered he was asking me what the my were saying abd they hung up when they heard me translate because they said there could not be others in background speaking. I did threaten to sue and i would of if i knew Consumer financial protection bureau existed at the time. I believe my husband deserves more. He did receive a settlement for the lawsuit against high interest rate for XXXX, but i do think our situation with them was stressful the time we had that vehicle with them.
Company Response:
State: TX
Zip: 78504
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received an offer from Fifth Third Bank to open a checking account, make a deposit of {$1000.00}, maintain a {$1000.00} balance for 60 days and in a reward bonus, I 'd receive {$200.00}. I opened the checking account at the XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX with a deposit of {$1500.00}. That met the first criteria of meeting the {$1000.00} deposit threshold. I have maintained the {$1500.00} average balance from opening date of account ( XXXX XXXX, XXXX ) until today ( XXXX XXXX, XXXX ). This meets the final criteria of maintaining a {$1000.00} balance for 60 days ... .as I 've maintained {$1500.00} for 103 days. I opened the account with XXXX XXXX, Vice President, Financial Center XXXX XXXX and she assured me at account opening that she 'd handle my bonus. I stopped into the XXXX XXXX XXXX on XXXX XXXX, XXXX to inquire about my bonus and spoke with XXXX XXXX, Personal Banker II and he agreed that I met all requirements and that my bonus should hit within the next week. Seeing no bonus, I stopped again into the XXXX XXXX XXXX on XXXX XXXX, XXXX and again spoke with XXXX XXXX. He remembered me, mentioned that only XXXX could actually do the bonus and that she 'd been away on vacation, but he made a note in the system for XXXX to follow-up on XXXX XXXX, XXXX ... her first day back into the office. On XXXX XXXX, XXXX, XXXX XXXX sent me an email saying that he spoke with XXXX and that she 'd be reaching out to me soon. Fifth Third Bank owes me my {$200.00} reward.
Company Response:
State: OH
Zip: 45140
Submitted Via: Web
Date Sent: 2018-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted Fifth Third Bank regarding a loan that belonged to my Ex-husband.My ex-husband XXXX XXXX in XXXX.We had been divorced, and the divorce decree stated he had 90 days to remove my name.from any responsibility of our house.He never removed my name.Fifth Third bank continues to send me the statements, and has also turned over information to XXXX that has damaged my credit.
Company Response:
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an Essential Checking account at Fifth Third bank in XXXX, NC on XX/XX/XXXX There is promotion associated with this account. The detail of the promotion is in the attached file. After meeting all the requirements. I did not receive any promised bonus. I made $XXXX initial deposit on XX/XX/XXXX, and then I transferred $XXXX from other account to this account onXX/XX/XXXXXX/XX/XXXX After that I moved $XXXX out of this account on XX/XX/XXXX. On XX/XX/XXXX, I received $XXXX direct deposit and I kept the account balance above $500 for more than 60 days. I have contacted the bank 3 times,XX/XX/XXXX andXX/XX/XXXX but the problem was not solved.
Company Response:
State: NC
Zip: 27705
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I default it on my installment loan with Fifth Third Bank. My account went into collections and I asked them to put me on a do not call list a cease-and-desist do not call my phone number XXXX they are now calling my phone number
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I made a principal payment to my mortgage account that dropped the original loan to value to below 73 %. OnXX/XX/XXXX, I contacted XXXX to ensure PMI will be automatically dropped as required by Federal Regulation since the balance is below 78 % and I have never missed a payment. XXXX refused to automatically drop the PMI and further stated they only drop PMI after the loan is 5 years old and the loan to value limit is reached which is a clear violation of Federal Regulations concerning PMI. I was also told I must send a letter to 5/3 requesting that PMI be dropped and if I didnt they would continuing charging PMI for no reason other than that the mortgage loan is not more than 5 years old.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2018-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A