Date Received: 2017-08-29
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Husband XXXX XX/XX/XXXX ; notified Fifth Third Bank in XXXX, OH, and spoke with ( XXXX ) in the dept. handling XXXX issues ; my concern was about getting vehicle re-registered with DMV so my name would appear lien and Registration ; I was told to go to DMV because they were n't sure if they would allow it. I went to DMV and explained what I needed, and they gave me a " Transfer of Certificate of Title With Lien '' form for me to fax to the Lienholder/Representative ( Fifth Third Bank, Contact # XXXX ). I called back on XX/XX/XXXX, and spoke with an XXXX, but quickly got off phone because of her personality ; not someone I needed to speak, considering I 'd recently XXXX my XXXX XXXX. Called back to speak with ( XXXX ), who was very nice on my first contact with this Bank, but he was unavailable, so I spoke with a ( XXXX ) ; I asked could I fax the DMV form and XXXX Certificate to them, but was told I could, but they would not complete the form because I was not on the loan. My response was I know but I am maintaining payments, until loan is paid in full and only wish to be able to get the vehicle registered with DMV appropriately ; they would still have the Lien, and would still get their money. Loan has and is still in good standing. When I contacted them initially they had me believing that if the DMV is would accept such a transaction, it would be no problem. Their main concern was if I was going to keep the vehicle, and my response was yes, I would continue making the payments on time ; but now they want me to pay the loan off ; that 's easier said than done.l I 'm not rich, however, I 'm a retired, now XXXX, and will pay my husband 's loan. Look like their should be some type of provision for situations of this nature, especially when the XXXX is already going through so much mentally from the XXXX XXXX XXXX XXXX XXXX. I feel I should not have to be stressed with going and getting a new loan for my husband 's vehicle. I 'm not asking for a handout, just asking for help to keep paperwork with DMV straight.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My truck was totaled. My insurance carrier arranged that I receive a rental car. I went to the merchant XXXX XXXX XXXX and they required that I give them a credit card to reserve {$30.00} until the insurance company issues payment to them. My insurance company investigated my insurance claim total loss. My insurance carrier found out that the person that totaled my truck was uninsured. At this time, XXXX XXXX XXXX charged my credit car {$3300.00} without my knowledge.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-27
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: My husband and I are victims of fraud and deception. XXXX XXXX XXXX XXXX salespeople misrepresented the company employing tactics of deceit and bait and switch. Our timeshare was purchased at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Tennessee onXX/XX/XXXX. This product entailed the use of XXXX biennial points for a loan of {$10000.00}. Including our down payment and closing costs, this purchase cost a total of {$12000.00}. Within six months of purchase, we paid off the bulk of the XXXX mortgage, and in an effort to reduce XXXX XXXX exceptionally high interest, I moved the remaining {$4000.00} onto a Fifth Third credit card in my name. Deceptive tactics include : 1. Their salesperson XXXX told us that we had thirty days to return home to look over the contract. XXXX said if we werent satisfied, we had a 30 day rescind period from the date of purchase which was the day of the presentation. This BBB warning report supports our position : Our file contains a pattern of complaints from consumers alleging difficulties canceling vacation packages booked through XXXX XXXX. Consumers claim, although XXXX XXXX has a cancel within 30 days policy, their requests for refunds for canceled trips are denied. Other consumers feel they are victims of deceptive sales practices. Consumers claim resorts are never available when they contact XXXX XXXX. While yet other consumers claim the " free '' vacation XXXX XXXX offers is not free and involve fees they were not made aware of. -We started having concerns immediately after purchase, but no one from the XXXX XXXX XXXX XXXX whose numbers we were personally given and directed to call would return our calls. We tried contacting XXXX XXXX, XXXX XXXX, and XXXX XXXX, as these were the people we dealt with the day of the purchase. They directed us to strictly contact them for any questions we had. None of them would respond to my calls or emails. By the time I got through to someone at XXXX XXXXXX/XX/XXXX, I found out the rescind period was 10 days, not 30 days, so we were unable to rescind. 2. Their salespeople XXXX and XXXX lied to us about how XXXX XXXX allows you to book one of the many nationwide hotels with points at no extra cost, and there would always be last minute availability. -This was our intended purpose, because we do not have the paid time off to take vacations during the week, so this sounded like a feasible option for last-minute weekend getaways. My husband also intended to use it for his work travel in order to save money on hotels. We were told there were many hotels available across the nation for use. We later learned the nearest resort is a five hour drive, so the resort aspect was not a feasible option to travel in a weekend. Every time we checked the hotel option there either wasnt availability or the one time it was going to cost over 4,000 of our XXXX biennial points. We were essentially going to pay {$4000.00} for a two night stay at a hotel. As a result, we have never used our points to go on a vacation. 3. Both XXXX and XXXX told us that this product holds a high resale value due to the demand of the product, since it is a deeded property that can be used as a tax write off. We were also told that if you cant afford your timeshare or decide its not for you, XXXX XXXX will sell it and have it sold within 90 days without any work or cost on your part, and XXXX XXXX will buy it back if it doesnt sell in that timeframe. -This is not true. XXXX does not buy back their timeshares. I was directed to go through a website known as XXXX XXXX that I must pay to sell my timeshare, and on their application documentation it states that the timeshares sold was 27 % inXX/XX/XXXX and 33 % in XXXX. Being able to have XXXX sell back the timeshare without headache from us was a major factor in choosing this timeshare, so this was very upsetting to learn that this was false information. My husband asked this question three times repeating himself, to ensure that we understood. We were told people frequently buy timeshares for near to or more than the original purchase, so it was a great money investment. This was completely false. Upon checking XXXX XXXX, many of listings that are priced around the original purchase price are listings that have not been on the market long, and there were numerous packages far larger than ours that were on the market over a year going for under {$1000.00}. I also found my exact package selling for only {$1.00} on XXXX. Upon contacting our accountant about it being a tax write-off, he informed us that this is not a property that allows for any form of a tax write-off. There are thousands of complaints against the company for deceptive sales practices similar to my situation. Clearly, XXXX XXXX meets the FBI definition of white collar crime : deceit, concealment, violation of trust, and bait and switch. They deceived us exactly in this way by the salespeople stating to only contact them for rescission or any other additional questions, despite never being able to reach any of them. I filed a complaint against XXXX XXXX through the Better Business Bureau onXX/XX/XXXX. My demands included that the timeshare be cancelled, and all monies involved in this unused product be refunded. We have never used our XXXX points. XXXX said they would only cancel our contract. I then communicated that at a minimum, the remaining portion on my credit card be refunded. Their final decision on XX/XX/XXXX was to deny me any refund. They have since stated that there are opportunities for us to utilize other hotel aspects with the company, however all these options require additional money. If we simply accept their cancellation without compensation, we become just another XXXX XXXX victim. By merely offering to cancel the product without any refund shows that this company has no regard for the training of their employees to sell a product with integrity, and therefore encourage deceit on the front end of a sale to ensure a sale. I am reaching out to Fifth Third for their involvement to dismiss the fraudulent charge of {$4000.00} from a highly corrupt company and their deceptive sales practices. I will also be filing complaints with the FBI at XXXX and the Tennessee Attorney General.
Company Response:
State: OH
Zip: 434XX
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I went to the Fifth Third branch located at XXXX XXXX XXXX with my first payroll check from XXXX XXXX. The check amount was XXXX and when I went to deposit it, the check was scanned in Check XXXX and flagged as being drawn on an account that has had checks returned in the past. I explained that I needed immediate access to the funds in order to move into a new apartment and avoid being homeless. I was told that if I opened a new account ( I had an existing prepaid " express '' account ) that my funds would be available on the next business day which was Monday. On Saturday, a friend of mine who works at a global investment bank and was able to come with me explained I should have been informed that I could cash the check at the bank it was drawn on. Thankfully, he also allowed me and my girlfriend to stay in his living room for a week. I was encouraged to open an account this applying the Reg CC new account exception, and my check was put on hold until XX/XX/XXXX. On Monday the XX/XX/XXXX, I went back to the bank and was informed of the hold and that it would be removed. XXXX who had opened the unnecessary new account ostensibly to hit her new account opening quota was unavailable and XXXX told me he do nothing. As the week progressed between the generosity of my host and my girlfriends tips we managed to eat and survive. On Friday the XX/XX/XXXX I went in again and the regional manager was there. They said that the hold would be lifted. It was not. I returned again Saturday the XX/XX/XXXX and was told to wait until the XX/XX/XXXX. I have now been homeless and penniless for 10 days. I am most concerned that I was not told that I could cash the check at the issuing bank which was a few blocks away and that, like XXXX XXXX, I was forced to open an account I did not want or need. There is no way the check did not clear and any financial institution with any sort of reconciliation team would have lifted the hold when the check cleared, likely Wednesday. I 'm trying to get my life in order after a very challenging couple of years and without the support of friends I could have been homeless or ended up dead in a ditch, god knows what else. This has been the most stressful and one of the most challenging experiences of my life. Do n't bank with Fifth Third.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2017-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: in XX/XX/XXXXwe were doing banking at our local 5/3. An extremely aggressive loan officer approached us & asked if we were interested in equity lines. We were n't but sounded intriguing. Long story short we took out lines on several paid up properties that we owned. NO appraisals were ever done. In retrospect WORST MISTAKE OF OUR LIFE! We have faithfully paid on these for 13 years. We are in our XXXX 's & now difficult to make these payments. We asked 5/3 for help. We worked with XXXX XXXX, Office of the President & it truly sounded as if we could get relief. We jumped through hoops & completed all of the requirements for a loan modification. Worked with XXXX XXXX, Senior Vice President -- all along he said our application was pending. We had 3 equity lines which for sure most likely were fraudulently appraised -- or not appraised at all. We have articles showing that 5/3 made bad loans between XX/XX/XXXXtoXX/XX/XXXX In return 5/3 accepted {$3.00} billion in federal money from the Troubled Asset Relief Program. These properties will NOT go into foreclosure but it is extremely difficult to make these payments -- In return 5/3 has raised our interest rate THREE TIMES since we began the loan modification process. We asked for either a loan principal reduction or at least reduced interest rate. THEY HAVE NOT OFFERED ANY HELP AT ALL!! Please we are hoping you can get through to 5/3.
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am questioning if there is an error in my new escrow calculation. New escrow = $ XXXX/mo., increase of {$220.00} per month over last mortgage year. Current insurances, taxes, and PMI, plus allowed 2 month cushion = $ XXXX/mo. if calculated based upon the actual bills due ( refer to attachments provided ). Bank is saying they base tax estimate on formula using XX/XX/XXXXdata instead of actual bill for XX/XX/XXXX. Bank also did not pay insurance on time this year, causing it to lapse - this is the second time they have had a problem administering the escrow account effectively. I am wondering if they are trying to recoup a penalty or late payment by sneaking it into new calculation. I am living check to check at this time and I can not afford to put a surplus in my escrow and wait to get it back a year from now.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2017-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: My original monthly payment was {$870.00} on the loan. Then the raised it to XXXX monthly adding insurance to vehicle but I have full coverage already and they refuse to remove it making it difficult to make the monthly payment. I spoke with them to resolve the issue but they refuse to comply with me in anyway.
Company Response:
State: NY
Zip: 11581
Submitted Via: Web
Date Sent: 2017-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working on a short sale with my lender since XX/XX/2017, and I have had an offer since XX/XX/2017. My lender has been stalling, on my paper work, and I am about to lose my buyer due to the length of time it is taking my mortgage to work the file. The assigned negotiator has had me do 4 or 5 extensions, and he even admitted that he had to many files to work at one time. This is ridiculous, what am I supposed to do if I lose my buyer over their inept ability to work my file? Please help me.
Company Response:
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2017-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have called and been hung up on after being tossed around to different departments for an hour. I have sent two registered mails and emailed the company. Registered Mails : 1. to XXXX XXXX XXXX XXXX OH XXXX FIFTH THIRD BANK USPS Tracking Number : XXXX with Signature Confirmation 2. to local branch. Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sent via XXXX tracking number : XXXX Both letters instruct to close the account. I do not want to go the branch. I opened the account over the phone and not in person and expect the same to close the account.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2017-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I accessed my online banking account to view a payment that was scheduled to be paid from my CA, to my car company ( XXXX XXXX ). My online banking did not show that a payment wasdue to come out, so I set one up -- never getting a notice that 2 payments were scheduled for the same company on the same day. On XX/XX/XXXX, I received an email notification that 2 payments had been processed. I immediately called XXXX and was told to have a stop payment placed. I went to my local branch immediately and was told that a request for a stop payment was sent and would be stoppedon XX/XX/XXXX. This process did not occur in office until XX/XX/XXXX, as which time the payments were already in XXXX XXXX possession. A dispute was placed by my local branch to attempt to recoup those funds, however, I was told that since the stop payment had an order dated XX/XX/XXXX and the funds were processed on XX/XX/XXXX that the stop payment failed and would not be processed. My acct is never negative, I 'm never overdrawn. I do however, have overdraft protection with my savings account -- which they drained for fees and to cover other payments that I have come out bi-weekly. My local branch was kind enough to refund what charges they could, but my account still remains negative. So, I 'm not out ~ XXXX because of 5/3rd 's negligence and poorly designed customer website. I 've been re-routed multiple times to many different divisions to no avail. I would like my money back.
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2017-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A