Date Received: 2017-11-10
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 deposited {$1000.00} into a Fifth Third account and paid a {$24.00} account fee solely for the purpose of establishing a trade line that would report as " Always Pays As Agreed. '' While I always paid the account on-time and as agreed, Fifth Third failed to properly report all on-time payments as well as the final account payoff to the major credit bureaus as agreed and as was the only purpose for the establishing of the accounts.
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I received a Jumbo loan in XX/XX/XXXX from Fifth Third Bank. It was a 7 year ARM. I have never been late, never missed a payment and in XX/XX/XXXX asked 53 whether they would refi my ARM into a 30 year fixed. I paid them the application fee, submitted all docs, incurred fees from my CPA and Tax attorney and book keeper to provide additional requested documents. My current payment is $ XXXX/month. The refi would have decreased the monthly payment, lower the interest and locked my into a 30 year fixed. 53 which is the current lender, pulled a hard score of a medium XXXX FICO. After the pull, it obviously went down a few points. I am a preferred bank account holder, which was required to qualify for the refi. It requires a minimum balance of XXXX. After reviewing the entire application, it was denied. Regardless of the fact that 53 is my current lendor and I pay XXXX a month, never late. What 53 did was assess the value of my loan at a ARM, induced me into filing an application, paying a fee, incurring additional fees to produce additional requested docs, pull a hard score ( lowing my score ), which makes it harder to reapply, and determine that the refi at a lower rate is a lower payment and 53 prefers to have my locked into the ARM at a higher rate. I am livid and feel I was misled. This is a fraudulent scheme and predatory. Locking me into a higher payment.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Purchased our vehicle and it was financed through XXXX XXXX All was well until we moved and received a notice that our insurance was reported canceled by the state of California. We contacted our insurance company and had them send over the current insurance, proving that there was no lapse in coverage. A couple of weeks later we receive a second notice of the same thing. We again contacted our insurance company and had proof of insurance sent over. Meanwhile, XXXX has added their own insurance to our bill and because we pay the same amount every month that does not include the insurance we do n't need, they are now threatening to report a delinquency to the credit bureau. We have had our insurance company send the proof of insurance a third time, but we are being told that it takes 10 days to process and will be past the 30 day mark so it will be reported to the credit agencies.
Company Response:
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Fifth Third Bank seems to sent out different credit card sign up offers based on non-legal discrimination. My spouse and I have similar FICO score ( within 5 points ) above XXXX, live in same household, make similar income, similar amount of open revolving line of credit. We got same mailing for same TRIO credit card mailing with 2 very different sign up bonus : one at {$150.00}, and the other at {$350.00}. The card benefits and terms are exactly the same.
Company Response:
State: TN
Zip: 37922
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: debt collector, scam call, calling family members and employer. said he was with 5/3 collecting debit, but had no information
Company Response:
State: KY
Zip: 40258
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Closed account in 2008 never removed from credit history shows I have larger debt than I do. Fifth third bank XXXX balance shows current. Account closed Please help repair this I called fifth third 4 times and sent emails to XXXX XXXX and XXXX.
Company Response:
State: IL
Zip: 60185
Submitted Via: Web
Date Sent: 2017-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Company Response:
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2017-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Fifth Third Bank XXXX, and paid off the entire balance on XXXX/XXXX/XXXX. My account has been overpaid by XXXX. I have called the bank at least 6 times, and each time I get a different explanation. To date the XXXX has not been received. I feel that this is unacceptable.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2017-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. XXXX XXXX Credit Card {$600.00} Opened XXXX I 've currently submit an Identity Theft Report to the federal trade commission as well as disputed this account with the three credit bureaus.
Company Response:
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My mother XXXX away XXXX XXXX, XXXX. Her name is XXXX XXXX XXXX XXXX. My step father is in a XXXX home and is incapable. I received power of Attorney in XXXX XXXX. After researching their checking account, I I discovered monies being taken from their account that should not have been deducted. XXXX XXXX has refunded about {$6000.00} due to all the areas. I have requested on nine occasions bank statements from XXXX XXXX to XXXX XXXX their were unauthorized deductions from their account due to my mothers untimely XXXX and also my father being a XXXX vet. I estimate they still owe my parents {$5000.00}. XXXX XXXX was deducting {$140.00} from my parents account that was fraudulent. They said my mother requested the accidental insurance during her death. She had already expired. They refuse to work with me to get my mothers final reimbursements for fraudulent charges and items that should have never been deducted due to her XXXX. They keep sending me on a goose chase. They refuse to refund additional monies. They told me that they do not keep Bank statements past 2 years.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2017-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A