Date Received: 2017-09-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The mortgage on my home is serviced by XXXX XXXX XXXX of XXXX XXXX XXXX My loan number is XXXX. I was advised by XXXX XXXX that the servicing of my loan has been transferred to Fifth Third Bank ' XXXX, OH. My next payment is due XX/XX/XXXX. I generally pay my mortgage before the due date however it is now XX/XX/XXXX and I have never heard a word from Fifth Third Bank confirming that they are in fact the new servicer. I am reluctant to simply send my payment to Fifth Third yet I need to pay it soon. There is a phone number for Fifth Third however after numerous attempts and countless time on hold I have never been able to reach a live person. To complicate matters further I am selling my home with a closing date of XX/XX/XXXX.
Company Response:
State: NC
Zip: 28031
Submitted Via: Web
Date Sent: 2017-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am XXXX, a XXXX ( XXXX ) XXXX XXXX. In the past few years, I have suffered numerous XXXX XXXX XXXX. I always had excellent credit, but reached a point of being overwhelmed. I had such a hard time coping that I was prescribed XXXX XXXX and still had a hard time facing it. By mid-XX/XX/XXXX, I decided to pull myself out of the hole. So, on XX/XX/2017, I contacted my longtime bank, Fifth Third, to advise that I was working with a XXXX XXXX XXXX at a XXXX XXXX XXXX and intended to resolve my credit card debt with them. I asked for The current balance. The rep demanded {$110.00} or said it would be " written off as bad debt tomorrow. '' When I said I did n't have that amount today, but might tomorrow, he repeated the info. So I said " you ca n't get blood out of a turnip '' and he said - AND I WROTE IT DOWN immediately " we can squeeze the rock as hard as we can. '' This is a DISGRACE.I He then tried to get me to agree to a settlement, when I had already explained I had a XXXX. Of all my creditors, the one who treated me with threats was my own bank? Fifth Third -- awful!!
Company Response:
State: OH
Zip: 45324
Submitted Via: Web
Date Sent: 2017-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My father was XXXX XXXX, and having a hard time managing his money. I was assigned to be a Financial Guardian for my father. This was a court appointed guardianship. In order to help my father manage his money, a checking and a savings account was opened in his name. I also signed the paperwork, although it was signed as the guardian of my father. The guardianship was later terminated by the courts. More than a year later, the savings account overdrafted. The bank sent the overdrafted account into collections. My dispute is that this account was opened for my father. The [ senior level ] banker who helped me open the account, was informed of the situation. The banker was aware that this account was to be my fathers account, although I would be managing the account for him. Once the guardianship was terminated, the bank account was still to be for my father, and I was no longer able to manage any funds for him. The account in collections should be against my father only, as this is his account because the guardianship no longer exists. I have tried explaining this to the bank, and they would not speak with me. They only sent the account to collections against me.
Company Response:
State: CO
Zip: 80221
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-27
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: Fifth Third Bank refuses to comply with the Fair Credit Billing Act. On XX/XX/XXXX, I mailed my dispute letter ( Exhibit A ) because of billing error. I asked for written proof of purchase and clarification of the {$180.00} in dispute. I was not provided with either one. More than two billing cycles have expired. My dispute was denied ( Exhibit B ), XX/XX/XXXX. No documents were provided. My reply letter ( Exhibit C ) notified them of their legal obligation under the FCBA. I attached the dispute settlement procedures ( Exhibit D ). On XX/XX/XXXX, I talked to Resolution Dept. Supervisor, XXXX. She told me that the merchant did not send them any records. This meant that they had no obligation to provide me with proof of purchase or clarification.
Company Response:
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2017-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My wife and I both had XXXX accounts with XXXX XXXX. I am listed as the primary on my XXXX and my wife is listed as an authorized user. My wife 's account list her as the primary and I am listed as an authorized user. My wife XXXX XXXX X/XX/17. I notified XXXX of her XXXX and asked that they close the account. XXXX made an un-authorized change to my wife 's account changing me from an authorized user to the primary. I have asked multiple XXXX representative how this has happened without any explanation. I have also requested for a copy of the application and they claimed they may not have it. My wife XXXX XXXX without an estate to pay her debt. Since I am not a co-signer to the debt and only an authorized user I can not be held responsible for her debt. To date XXXX has removed my wife 's name from her account which shows they recognized her XXXX and wanted to quickly change responsibility to someone else. They had closed the account and within the last month they re-opened the account to an open status. My account still has my wife 's name as an authorized user but it has a closed status.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hi, as of XXXX XXXX I switched to XXXX home owners Ins from XXXX a XXXX underwriter.. I was told at first that XXXX from XXXX could do the transferring of the car and home ins ... than she called and told me I had to go into the office at XXXX to cancel the HOI..so I did and signed a paper stating that I no longer wanted XXXX and that I had new HOI.. I did that in front of a guy named XXXX. XXXX XXXX came and the XXXX XXXX paid XXXX for the year ... than in XXXX I asked why the escrow was soo much when I lowered the XXXX from then {$1400.00} to $ 600/yr and XXXX said sorry and sent me a check ( {$420.00} ) as well as lowered my payment $ 100/month ... I thought it was fixed but ... then in XXXX XXXX paid XXXX {$1600.00} for HOI till XXXX as a second HOI???? does this mean I get 2 homes if my home burns down?? I DO N'T THINK SO. so I asked XXXX if they could shed some light on this and they told me that XXXX no longer works for them ... so I asked XXXX if they could shed some light on this and they said that XXXX no longer works for them ... so I asked XXXX XXXX why they are paying 2 HOI on 1 home and they said yes that what we did??? HOW DO I FIX THIS?? XXXX XXXX already paid {$3200.00} for Ins that I cant use?????
Company Response:
State: MI
Zip: 48192
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX I took out a {$100.00} 30 day CD at 9.5 % interest automatically renewable at current CD rate unless bank notified me otherwise. The bank was XXXX XXXX. They were bought by Fifth Third in XXXX. I felt that would be no issue as my mortgage, boat and car loans and checking and banking were with them. I was well known in the community as having serve at both the XXXX and XXXX level. I just let the Cd ride tell retirement. They now tell me on presentation they do n't have any record of it and denied honoring it and I should have gotten a letter. Trust me I 'm meticulous in keeping records. So I asked for the letter. They had nothing given that money doubles every 7-10 years I figure it 's worth near {$500.00}. I 'm sure it would hardly break their bottom line. I had check unclaimed funds in the mid XXXX for our last name as my mother had XXXX. Did n't see anything under mine. Can you help
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2017-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage company, XXXX XXXX, issues a late payment notice on the day that payment was made through auto biller payer program through the mortgage company. The mortgage company,XXXX XXXX, issues a statement earlier is the month stating to disregard the bill because the payment was automated. The letter is signed by the vice president of XXXX XXXX. XXXX XXXX 's response is that it is automated to issue a late statement notice the day payment is due, they control the withdraw date because it is a auto bill payed per the mortgage terms.
Company Response:
State: OH
Zip: 45458
Submitted Via: Web
Date Sent: 2017-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XX/XX/XXXX we realized our debit cards were being used fraudulently and our checking account went negative. No one from bank contacted us. We contacted them and all charges were credited. WELL XXXX I was out of town for a month and the same thing happened and then our credit card as which was used fraduently and paid thru our checking account had this happen again, I contacted them and they opened up a fraud claim that was approved, However I called and they stated they had no idea about this fraud claim. I was at local branch and the teller remembers me calling them ( FRAUD DEPT ) to make the claim from the branch. Well several months later nothing still has been done. I was credited for a couple of the charges but not everything. I also thought I closed the fraudulent account but it remained open and took us into the negative as well as the new account as well????? HELP XX/XX/XXXX fraud claim opened XX/XX/XXXX CALLED NO FRAUD CLAIM FOUND XXXX opened another fraud claim and received a small credit roughly 240.00 . I am still missing credit of ove 3000.00 $
Company Response:
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2017-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: An employee at Fifth Third Bank befriended my father ( bank address : XXXX XXXX XXXX, XXXX, FL XXXX. I am not sure of her title or last name. He took her to lunch, had her family over for dinner at his home with me present and went to dinner at her house. Her name is XXXX ( last name unknown ). The bank should have record of such employee with that first name at that particular branch and time. He dealt with her when he had small erroneous charges or two on his bank credit card. A new card was issued and XXXX, the bank employee, took the old card and said she would shred it Shortly thereafter she left the bank saying she was going into real estate at our DINN TABLE we now have recently found out she had been fired - do not know the reason. {$5000.00} some odd dollars was charged and the bank demanded the payment even though My father insisted he did by no means transact any such charge. He called the customer service department and they researched what the problem may be and found out the he had two active credit cards in his name my father denied he had any other credit card only the newly issued card - the customer service rep told him it would take three months for the investigation. There was no other communication from the bank of any resolve but my father trusted in the bank a took no action. My father after receiving another collection notice spoke to a XXXX ( last name unknown ) at the branch on his suspicion of who may be responsible for the fraudulent charge and named XXXX even not knowing it was his old card being used that was supposed to be shredded and the customer service department did not even mention that. Just that there were two credit cards in his name. XXXX Told my father not to say anything as it would be her word against his - WHAT? Neither investigated? Again WHAT? Again no action at was taken so my father took it that everything had been settled. It turns out that the bank did not notify the credit card company to cancel the old card and the matter IS still unresolved. The fired bank employee ( criminal ) - XXXX - came to my father 's house and said that at the time of exchange of the old card to the new card she had given his old card to her assistant to shred - WELL according to XXXX her Assistant did not shred it and she was aware of that but XXXX was not responsible for the fraudulent charge in the amount of around {$5000.00} or so but she did admit that she changed the address on the credit card. To who 's address - who knows - I will find out on XX/XX/XXXX. HOW CAN A BANK LET THAT HAPPEN WITHOUT PROPER IDENTIFICATION? XXXX did not report this as she claimed this was a single mother with XXXX children in need of money. XXXX then told my father not to report the fraudulent charge as THE GIRL ( the " GIRL ASSISANT? ) would pay off the credit card and just let it be and when the card was paid off all would be good. My father did not fall for that. However, there was an {$800.00} payment made towards the debt. After my father received another pay now bill he contacted XXXX who he had previously had spoken to about his suspicion on who may behind the CRIME ( who advised him to say nothing ). He went to XXXX and told him XXXX confessed to the CRIME and finally almost after a year XXXX opened an investigation? after almost a year? My father was also told the case had been closed. CLOSED? What on earth was happening here? And my father still trusted XXXX. I contacted Fifth Third Bank Credit Card Fraud department and they had never received the notification of any fraudulent actions My father TOLD THE BANK TIME AND TIME AGAIN THAT HE DID NOT CHARGE THAT AMOUNT TO A CREDIT CARD he did not possess and even though Fifth Third Bank found that he had two credit cards - THE OLD ( SUPPOSEDLY SHREDED CARD ) the NEW credit card - my father advised that the charge was not initiated by him. PERIOD. NOTHING WAS DONE when he was told it would take three months to investigate. INVESTIGATE? MY FATHER TOLD HIM THAT IT WAS PROBABLY THE OLD CARD THAT WAS NOT SHREDED. DOES NOT THE BANK HAVE A CLUE TO THIS INFORMATION? OH, OKAY WE 'LL LOOK INTO IT. I called the customer service number on the back of my fathe'rs card and was advised to fax A Power of Attorney naming me as POA for my father on XX/XX/XXXX at XXXX on the advice of an agent at Fifth Third bank by the name of XXXX. I sent the POA with an URGENT cover page message about the CRIME. Why I did not speak directly with the Fraud department leaves me clueless and why she did not direct me to the FRAUD department is beyond me. I kick myself a hundred times for not catching that. I then called the Fraud department and XXXX who is a Supervisor said there was nothing they could do and it would take five days to validate the POA if they in fact had received it and advised I go to the branch. What? How can they validate such a document when there is no social security numbers listed to validate and only the named designated POA ( s ) and my father 's signature that had been witnessed and was deemed valid by a Notary. And then tell me to go the corrupt branch that now has told him that the case had been closed? CLOSED???????????? I tried my best to capture the negligence of the Fifth Third Bank in this writing but now I will tomorrow ( XX/XX/XXXX ) go to the branch AGAINST MY FATHER 'S WISHES, as he feels they are helping him and get to the bottom of this criminal action not only by the employee XXXX but the branch itself Fifth Third bank. I will call the Sheriff that came to see my father and let her know my intentions and to please be there. If not her then I will request another Sheriff accompany me. My father is XXXX years old and in the XXXX XXXX XXXX XXXX. He has still good sense but can not sometimes deal with intense situations such as this and will leave it in the hands of people who say they are going to help him ( the Bank ). He is too trusting. I feel that there is more than the one person at the branch that may be involved - mainly XXXX and possibly others. Please help me out. As of the writing the old credit card may still active ... .... My father just denies he needs assistant as feels that the bank will handle. After a YEAR look what has happened - NOTHING, NOTHING. XXXX XXXX XXXX POA for XXXX XXXX XXXX Contact information : Cell : XXXX call or text/ email addresses XXXXXXXXXXXX or XXXXXXXXXXXX. Please please please do something. THIS PERSON MAY HAVE TAKEN ADVANTAGE OF OTHER SENIOR CITIZENS.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2017-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A