Date Received: 2017-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third Bank is the servicer on my mortgage and responsible for paying all property taxes on the property pursuant to the escrow agreement. Since XXXX of 2014, they have failed to pay a portion of the property tax. That outstanding portion sat on my account unpaid and collecting interest. I only found out about this when I was in the processing of re-financing the loan and the outstanding amount was discovered. I have asked Fifth Third to reimburse me the amount of interest that unpaid portion of the property tax and they have yet to respond. I fully expect the interest charges on that amount to be reimbursed and feel a fine should be in order. If I had n't refinanced and caught this omission of duties on their part, I 'd be looking at a huge property tax bill some 26 years down the line when I finally manage to pay off my mortgage. This is completely unacceptable.
Company Response:
State: NY
Zip: 11228
Submitted Via: Web
Date Sent: 2017-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has failed to respond to our QWR and Notice of error request sent on XXXX / XXXX /2017 and are proceeding to sale set for XXXX / XXXX /2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Company Response:
State: IN
Zip: 47546
Submitted Via: Web
Date Sent: 2017-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-14
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Received an invitation in the mail ( XXXX/XXXX/2017 ) from my bank saying ( in very large letters ) : " You ; re Invited ''. " Upgrading your account to " Preferred '' is " easy '' and your account number will not change.
Shortly afterwards on the same day, I telephoned my bank branch ( Fifth Third ) as instructed by the notice. The bank informed I did n't qualify and needed about {$30000.00} more in my account. I find this extremely misleading, evasive and extremely poor business practices. You do n't invite someone and then turn them down, it 's that simple. The bank was also not truthful when they claimed the process was " easy '' ... ..far from that!!! After examining the flyer further, I did notice the fine print on the back. However, It should have stated on the front that certain conditions had to be satisfied.Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2017-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraf/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00}
Company Response:
State: TN
Zip: 37415
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I claimed Bankruptcy and been paying on Fifth Third Bank auto loan as I was supposed to. On 3 different occasions I called in to make payment and the representative failed to process payment appropriately and it never registered as being paid and this put me behind in the payment. I tried yesterday to make a payment and they informed me that I needed to pay the entire balance and that the vehicle is in repossession. My bankruptcy attorney is communicating with them. They would not let me make a payment. They claimed that there was never an affirmation agreement by the court submitted. My attorney informed me that they would not let her file it because the account was delinquent. The account was delinquent because they failed to process payments on 3 times that I called. I do not get any statements or correspondence from Fifth Third. I ask of a confirmation number and they give me an operator number but no confirmation number. I made my last payment on XX/XX/XXXX 2017 for {$400.00} which brought me to one payment behind. I would be no payments behind if there was n't such confusion. In addition, they kept bouncing me to Fifth Third regular business and Bankruptcy business and this further confused the issue because the two departments do not communicate appropriately. They are demanding full payment and there is no way I can do this right now.
Company Response:
State: WA
Zip: 98110
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-08
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Fifth-Third Securities Brokerage Account XXXX, Ohio XXXX XXXX Investment executive, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. OhioXXXX XXXX XX/XX/XXXX Deposited in CD XXXX. Contained a basket of 10 stocks issued thru XXXX XXXX XXXX. To receive annual payment based on the average performance of 10 stocks. Listed below XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( acquired by XXXX XXXX ). Never received explanation of fees or stock performance. We have received no payout or an explanation of why no payout. A market transaction fee of 4 % 3 % 2 % and 1 % have been applied. This investment has resulted in XXXX return ( not 1 Dollar ) in over 5 years. We have called XXXX XXXX and we have received no satisfaction, except inXX/XX/XXXX we may get our XXXX dollars returned. There has been a bull stock market for the duration of this CD. A total misrepresentation by 5/3th bank
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: had multiple phone calls on XXXX XXXX 2017from # XXXX out of XXXX XXXX XXXX. Was told that I need to call another number before a lawsuit was filed against me then right after that the other number called which is XXXX. The person told me That he was from a lawyer office and I was trying to be reached by certified letter and could n't be found cause my address was n't correct, over a over draft bank account that was sent to collections. He was very demanding about getting it paid right then and it was {$1500.00} but he would take {$980.00} now. The account that he was trying to refer to was taken care of before I was able to open a new account, and the amount was only {$400.00}. I attach a picture of an email that he sent the day of on who he was where he worked and what he tried to get me to agree to pay.
Company Response:
State: OH
Zip: 45420
Submitted Via: Web
Date Sent: 2017-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called the credit card company fifth third bank and explained to them I do n't have an account with them and it 's on my credit report that I owe {$7.00}, and I was told the I 'm in someone else card as a authorize user and I 'm responsible for the dept and was told to fly to another state to there bank and give them my information so the can give me the card holders info so I can track them down and have them go to the bank and remove be from there card XX/07/2017
Company Response:
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-07
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: XX/XX/XXXX: I called fifth third bank customer service and inquired about obtaining a personal installment loan for {$8000.00}. I introduced myself and the male customer service person said that based on my credit worthiness that I was approved for the loan. He said all I needed to do was go to a local branch and sign the closing documents. Then I was transferred to a female customer service person to set up a time to go a sign the paper work. She contacted the bank and told me I could go to the XXXX location ( XXXX XXXX XXXX XXXX ) that same day at XXXX XXXX. Upon arrival at the branch I was greeted by XXXX the bank teller and I explained to her that I needed to sign some closing papers for a loan I acquired over the phone. When she pulled up my documents right away she noticed that the name on my ID did not match the name on the documents. She explained to me that the customer service person put my maiden name on the documents. I explained to her that I was not sure how this could have happened since they referred to me as Mrs. XXXX during the entire call. XXXX then went to talk with her manger XXXX to see how they could get the documents changed. At first, they stated I would need my marriage license and I told them I didnt have it on me. I do not carry a copy on me. I also explained that I would not be able to come back to sign the documents tomorrow as I was leaving for vacation the next day. So, XXXX communicates back and forth with the loan department for the next hour or so and was able to get them to resend the documents with my married name. In the meantime, XXXX helped me set up an account so the funds could be deposited into the account and the loan payments could be drawn from there as well. XXXX was able to get the documents sent over shortly before XXXX XXXX and I signed all the paperwork. Before leaving they, both told me that I would have access to the fund in the morning and if I had any questions please give them a call.
XX/XX/XXXX : All morning I was checking to see if the funds had been deposited and they were not showing up in my account. I called XXXX around noon and left a voicemail stating that the funds had not been deposited in my account. She called me back around XXXX and stated that she had to resend paperwork but that the funds would be in the account in the next 2.5hrs. She explained that it would likely be after the bank closed. She said I could go to any branch on Monday and get my funds and she was aware that I did not have a debit card to access the funds any other way. She assured me that I would have no problem accessing my funds even though I was out of town. XX/XX/XXXX : At around XXXX XXXX I stopped at a fifth third branch just outside of XXXX Kentucky ( I believe it was the XXXX branch ) to withdraw funds from my account. After giving my deposit slip to the teller she informed me that she would need approval from her manager to complete this transaction. Her manager attempted to contact my home branch but was not able to get anyone on the phone. She informed me that I would not be able to withdraw any money since they were not able to get in contact with my home branch. So, I thanked the manger and left the branch. In the meantime, I called XXXX the manager at my home branch regarding the issue. She stated that she gave approval to the branch but they chose to deny it. She said that she would but a notation on my account that I could stop at any other branch on the way home that day and withdraw funds. The reason I could not come to my home branch was because I would not be back in XXXX after XXXX XXXX. Around XXXX XXXX I stopped at a branch near XXXX, Tennessee to withdraw my funds. I gave my withdraw slip to the teller and explained the situation. I explained that my home branch notated my account so that I could withdraw funds from a branch out of state. The teller stated that she would need to get approval from her manager to process this transaction. I waited for almost 2 hrs before I told them that I could no longer wait. I had my husband, children, and dogs waiting in the car and we still had 5 hrs left of travel. Then I left the bank. After I returned to the car I called XXXX at my home branch. I explained to her that the branch had denied my request to withdraw funds again despite having my account notated. I told XXXX that I would just come in to her branch in the morning and withdraw the funds. XXXX said that would be fine. XX/XX/XXXX : I arrived at the XXXX branch shortly after they opened to withdraw the funds. The teller explained to me that she would have to get approval from her XXXX before completing the transaction. While I waited, I asked the teller if XXXX was available to explain why I had to go through so much trouble. The teller said XXXX would not be at the bank until later in the afternoon. While I was waiting, I was approached by XXXX the manger on duty. She told me that there was a block on my account and I would need to provide a marriage certificate to obtain the funds. I explained to XXXX that I spoke with XXXX three times on the previous day about this issue and at no point did she mention bringing in additional proof of identity. XXXX insisted that I bring my marriage license to the branch. I called my husband and had him bring it to me at the branch. After that XXXX said I would need my social security card, pay stub and XXXX. So, my husband went home again to obtain my social security card while I pulled up the other documents online. After I gave XXXX the documents she sent them off to the fraud department. By this time is was almost 2 hrs later and I still did not get my funds. While waiting, I began to make calls to customer service trying to get more information. In the process, XXXX told me the reason why my account was flagged is because someone in Illinois tried to use my social to obtain credit. I asked her to provide me info about this occurrence and she stated I would need to talk to the fraud department. Up until this point there was no mention of fraud on my account. While waiting in the bank I get a call from my job and the stated someone from fifth third bank called and I needed to call them back ASAP. So, by this time I had to leave the bank because I still had to get dressed for work. XXXX said that the funds would possibly be available later that day. So, I added my husband to the account so he could come back and obtain the funds while I was working. At that point I left the bank because I was already late for work. Later that day I spoke with XXXX from the fraud department and she explained the alert on my account. I asked her to provide me with more detail regarding the person who may have used my social and she stated she didnt have enough information to get a case for prosecution. She ended the conversation by saying if any of the funds are used by my husband there would be a fraud case opened yet again. After getting off the phone with XXXX I called XXXX back and let her know I would come in personally to get the funds in the morning. I did not want a further case of fraud on my account. XX/XX/XXXX: I arrived around XXXX XXXX and walked over to XXXX. I gave her my withdraw slip and asked that she take care of my transaction. I told her I was not willing to wait since I have been through so much hassle up to this point. I left the bank to run and errand and arrived back at XXXX XXXX. When I arrived, I proceeded to the counter to collect my money and left the bank.Company Response:
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I had a credit card through 5/3 bank and fell behind when I lost my job. The bank since then has constantly harassed me by calling at times when I have asked them no to call because of the time zone difference. Still the bank calls me on their Eastern time while I live in a pacific time zone. Further the bank got my bank account number from a payment that I made to them and randomly started withdrwling over {$600.00} each month that I would have to notify my bank that I did n't authorize and then pay the bank a stop payment fee of {$30.00} each time. This has been going on since XXXX of last year and regardless of me telling them to stop this they will not and continue to overdraw my account with each of these {$600.00} debits. Today they did it again overdrawing my account by over {$400.00}. I do n't know where else to turn since I have asked 5/3 to stop this to no avail.
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A