Date Received: 2017-05-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have applied a mortgage with fifth third bank as I have account with them and I had experience with them is banking service.when I applied for the loan, I checked with loa n officer whethe r there is any issue with my credit or the subject property. Loan officer ( NMLS XXXX ) said it looks good. They needed to do the appraisal for the property to review underwriting. before underwriting they have received condo questionnnaire from condo association. I was rejected for the loan. One owner owns XXXX or XXXX unit in the building and they found that it is not meeting the XXXX XXXX requirement. Then this loa n officer in formed me that they are applying for an exception. Finally they send me the loan rejection confirmation letter. While I was contcating other lender they asked me about single entity ownership as a first question. Also finally I have received a conventional loan from another bank when they applied for an exception. This loan office did n't check the very basic information and he asked me to pay for {$490.00} for appraisal which I paid. So I have asked for a return of that money to the 53 b ank board nad they refused to pay back. This loan harrasment and {$490.00} payment happened only due to their fault. Also the loan office lied that they are going to apply for exception and he did n't. he confirmed me that when I called to check.
Company Response:
State: IL
Zip: 60076
Submitted Via: Web
Date Sent: 2017-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: After I received the bill, I call the customer service on XXXX XXXX to pay bill over the phone. I gave the agent my banking account info and he confirmed that that payment will be process immediately and there will be no late fee. A month later I have noticed they reported 30 days late to the credit bureau. I called Fifth Third bank and they said they will investigate but few days later I received a called and they told me I never gave them the banking info during my call. I have made notes as I made the payment over the phone on a check.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-08
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: My computer was hacked by a company called XXXX XXXX XXXX , by a man named XXXX XXXX . He then sucked me into a banking scam that resulted in him ( and/or his company ) transferring a cash withdrawal fro m one of my Fifth Third cre dit cards in the amount of {$7000.00 } ( one tr ansfer for {$2000.00} and a second transfer for {$5000.00} ) into my checking account and then stole it. I filed a complain with the Fifth Third fr aud department but got a letter back from them saying they had " conclusive evidence that I had made the cash advance '' and that they only investigate internal fraud, not anything external. This came after I tried explaining the the gentleman from the Fifth Third fraud dept. what had happened, but he told me he had enough information and they " would bet back with me ''. I assumed that meant they would get in touch with me for a more detailed explanation of what happened and how I got scammed, but it did not. They simply made their decision based on partial information and did not seem concerned with the entire story. I have since reported my fraud complaint to the FBI Internet Crime Complaint Center ( IC3 ), but have not heard anything back from them yet.
Company Response:
State: OH
Zip: 45211
Submitted Via: Web
Date Sent: 2017-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Car purchases XX/XX/XXXX Loan thru Fifth T hird Ba nk - GAP Coverage purchased All payment mad e one time - 2 mon ths pre-paid XXXX XXXX , XXXX - car was totaled Around the end of XXXX or XXXX XXXX - Bank call and told me to protect my credit I had to make another car payment as the GAP coverage had not been paid and the money would be refunded once claim was settled. {$340.00} was sent and received by them and posted on XXXX XXXX . GAP payment was made XXXX / XXXX / XXXX Bank has returned {$68.00} on XXXX / XXXX / XXXX & {$160.00} on XXXX / XXXX / XXXX after much communication and a complaint filed to the Oh io Better Business Bureau! The {$110.00} balance I 've been told by GAP is UNEARNED INTEREST which by definition ( DEFINITION of 'Unearned Interest '. Interest that has been collected on a loan by a lending institution but has not yet been counted as income ( or earnings ). Instead, it is initially recorded as a liability. If the loan is paid off early, the unearned interest portion must be returned to the borrower. ) should be returned to me. The bank is refusing to refund this amount.
Company Response:
State: VA
Zip: 23111
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened an account with 5/3 bank on XXXX XXXX to take advantage of a {$200.00} promotion they were having. I did all of the requirements to receive the bonus but never got it. I m ade four phone calls to four repres entatives and they simply transferred me around without actually putting a note on my account to receive the bonus even though they acknowledged that I have met all of the criteria.
Company Response:
State: NC
Zip: 27332
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am XXXX XXXX XXXX XXXX. I have honorably and dutifully served my country for the past 12 years as an XXXX XXXX XXXX. I have served in XXXX XXXX XXXX including XXXX XXXX XXXX and XXXX XXXX XXXX and have willingly made great personal sacrifices for my country. I am currently in the process of soliciting assistance from Congress for retaliation I experienced following a formal report of gender discrimination. As a result of reporting corrupt actions of others, I was subjected to a pattern of retaliation which continues unabated to this day. These acts of retaliation should not be countenanced and have caused me and my family great financial as well as emotional harm. I have given much to this country and I would expect that this country in return owes me respect and that I be treated with common decency due to any citizen. This letter is to address a substantial prolonged financial hardship I have experienced as a result of military service and seek assistance with the potential predatory lending practices of Fifth Third Bank. Around XX/XX/XXXX, I contacted Fifth Third to seek assistance with my financial hardship which resulted from my execution of military relocation orders. In response to my solicitation for assistance I was offered a forbearance plan by a 5/3 representative named XXXX who explained that using this option of forbearance meant I could defer 3 months worth of payments without penalty. She informed me that she would send documentation to validate the forbearance plan closer to the end of the month, as I had just missed the window for their supposed reconciliation date. I accepted her suggested forbearance plan and waited for her to contact me, which never occurred. After waiting several weeks, I called Fifth Third and attempted to reach XXXX, who never returned my calls, messages or emails. Fifth Third claims there is no evidence or history of this conversation occurring and is now trying to penalize me for deferring payments as advised by their representative. After several calls requesting information and complaining about the evasion of various customer service representatives, I was finally put into contact with a customer care specialist named XXXX XXXX. He informed me I would have to submit another hardship package because my first one had been closed. I did not receive assistance for the first package, or a follow-up to explain the outcome of its submission. XXXX XXXX gave me a long list of documents I would need to submit for the second package, which were not required for my first package and even more demanding in terms of detailed account information. He requested that I give him full bank account numbers to ALL of my accounts, or he could not help me. I attempted several times to ascertain from XXXX XXXX why all of the additional account details were required for the second package when they were not needed for the first package and he could not provide the answer. After several weeks of asking him for an explanation for the additional documents, I relented because of desperation and gave him access to all of my accounts. Many of my questions have remained unanswered, such as does Fifth Third participate in the Making Homes Affordable Program or other Federal aid programs for XXXX XXXX service members who are forced to relocate. I have gotten conflicting information from multiple 5/3 representatives as to the status of my original hardship package, which include that it was closed, never opened or did not have enough documentation. OnXX/XX/XXXX, I was contacted by a XXXX XXXX via phone, who is allegedly a contracted VA appraiser requesting access to my XXXX XXXX home on behalf of 5/3 Bank. I requested that XXXX XXXX provide professional validation of her job status as an appraiser in which she could not provide. I asked her how she found my contact information and she stated 5/3 Bank had given it to her to request access to my home for the purpose of an appraisal. 5/3 Bank did not inform me of an appraisal service and gave the alleged VA appraiser partially incorrect contact information through an erroneous email address I have never been associated with. Not only does 5/3 refuse to correct my contact information despite numerous requests, they also released my personal information without my consent. On XX/XX/XXXX I called 5/3 and requested to speak to a manager in regards all of the issues stated in this letter, and also to request the notes detailed on my 5/3 account with the many representatives I had previously spoken to. I realized after the first incident with XXXX and her failing to keep her promise that it would be wise to request that each person I speak with write out a summary of our conversation. During this call, I was referred to a ( Customer Care Specialist ) in the Loss Mitigation Department named XXXX, to whom I requested an electronic copy of the notes previously recorded, which she refused to provide. Due to the conflicting statements of representatives as to the status of my plea, I wanted a copy of my account notes so that I could determine who is constraining my request for aid. I asked her why she could not provide it and was informed that customers are not privy to them. The fact that I am not privy to notes on my account is a concern to me, as it presents the perception that 5/3 is operating in a less than straightforward or honest way. After I determined that XXXX had no intention of hearing my issues or assistance, I requested to escalate this call to the next supervisor, which she begrudgingly did. The next person I spoke with was Loss Mitigation Supervisor XXXX XXXX ( XXXX ). XXXX XXXX was not able to give me an answer as to what had occurred with my account and assured me he would call me back on XX/XX/XXXX. He informed me that the status of my was at a standstill because I had not responded to the paperwork mailed to me. I did not respond because 5/3 has continued to send my mail to the property address of the mortgage. Another concern with this is the fact that 5/3 has been able to send mail that pertains to bill collection to the correct address, but not documents that will assist in the severe hardship I am enduring because of serving my country. I have invested several hours worth of phone calls with 5/3 Bank to get assistance and information on my mortgage options in order to avoid foreclosure or short sell options. It is my belief that 5/3 Bank is : 1. Utilizing intentional evasive measures in order to perpetrate predatory lending tactics to force my home into foreclosure for their benefit. 2. They are exploiting my inability to physically go into a bank because of military service, thus controlling this situation to their advantage. 3. They are intentionally sending important documents to a location I do not reside knowingly, despite my efforts to correct the mailing address on file so they can argue that I never responded to strengthen their foreclosure plan. 4. They are presenting false aid options, such as the fo rbearance plan I was offered, in order to collect late fees and create a misleading case in their favor for foreclosure. 5. This lender has demanded my birth certificate and all of the information to access my accounts, yet have produced no assistance or explanation as to what it will be utilized for. 6. 5/3 Bank has illegally abused my personal info rmation that I have submitted for the hardship package to others without consent, yet withheld information about my account that could help me determine what is really occurring with my account. 7. They are omitting key details to my account notes and other responses for the purpose deniability of aid. 8. The representatives have outright lied by denying discussions and have avoided answering my questions about other Federal assistance programs available to me to prevent resolution. 5/3 Bank has been intentional, illegal and exploitative in their business practices and further compromised my very difficult situation by preying on my desperate solicitation for help. I am currently in the process of submitting a Congressional Complaint for the negligent business practices of companies I have been forced to interact with because of military relocation orders, and 5/3 Bank is one of them. Below is a brief outline of the current struggle I am engaged in and need help with. Background : The issue with Fifth Third Bank is but one component of the financial devastation I am currently enduring. As outlined below the issues that I am addressing to Congress covers an unfortunate period in my career that is still heavily injuring my life. All of the problems that are impacting me currently have stemmed from adhering to directives for reporting violations of gender discrimination during that period which have led to insurmountable financial hardship. SinceXX/XX/XXXX when I first reported the hostile work environment, I have paid well over {$150000.00} in additional and unnecessary mandatory relocation expenses not reimbursed by the government. In the collective 3-year span since that complaint, I have only earned {$98000.00} according to my pay stubs, leaving me at an astounding deficit of {$56000.00} in relocation associated costs ( this is a conservative estimation and only items I have receipts or evidence of have been included ). To provide real magnitude to this issue the only way to recover financially from the current deterioration I am experiencing would be for me to declare bankruptcy or dedicate the next three years pay towards the repayment of various pay methods I had to use to cover the shortage without paying any cost of living expenses. While the pains of being in debt are certainly stressful, this financial concern is much more significant because in order to maintain my job specialty in the XXXX XXXX, I must maintain a job clearance which requires financial health and stability. By declaring bankruptcy, or having substantial debt I can not afford to pay off, I am at risk of losing my clearance eligibility which would result in losing my job and negating the 12 years of technical experience. 5/3s efforts are further compromising my financial hardship and have delivered the very clear message that service members will not be treated fairly or with respect and care. SinceXX/XX/XXXX my relocation costs have reached nearly exceeded {$160000.00} to which only a small portion has been reimbursed to me as travel costs. There have been numerous ripple effects for the short period in my career including : 1. Eventual dissolution of my marriage 2. The devastating cross-country child custody commitment ( due to a legally binding separation agreement, I have had to pay out of pocket for travel arrangements for my daughter to visit her father. ) 3. The decline in my physical health caused by ceaseless stress over my financial situation. 4. Significant damages to my XXXX XXXX residence caused by Hurricane XXXX. 5. The destruction, theft and frequent relocation of my household goods by the negligent, underinsured moving companies contracted by Department of Defense in excess of {$60000.00}. 6. The disruption in my familys wellbeing and quality of life caused by broken household goods. 7. The cost of damages, extortion, repair and rental vehicle fees caused by vehicle transport services related to relocation for nearly {$10000.00}. It is understood that military service comes with sacrifice, but the word sacrifice does not summarize the emotional cost of service. The truth behind military members endeavors is this : We expose ourselves to unrelenting danger and incur a laundry list of medical conditions that impact our quality of life in substantially painful and permanent ways, a burden we carry long after departure from XXXX XXXX. Mentally, we are forced to compartmentalize loneliness every time we leave our loved ones and forgo comfort and opting to [ choke down ] crippling stress to continue, unsure at times how to put the next foot in front of the other. This unnecessary hardship lends to the skyrocketing diagnoses of XXXX and veteran XXXX rates ( even more prevalent in women veterans than men ). Add to the decline in physical and mental health the fact that we miss the milestones that bring positive mature perspective, wisdom and gratitude. I have sacrificed countless of these priceless moments so I could serve and be exploited for my efforts. The exploitation is a necessity when related to deploying, because we are freedom fighters and tasked with the exhausting job of protecting our country, but exploitation through malicious reprisal, by contracted moving companies, or Headquarters XXXX XXXX by denial of financial aid is an abuse that is unfair to exact. The failure of marriages due to long separations and the overwhelming stress of service. Truthfully, I do not know what options are available to me in rectifying the concerns expressed in this letter. It is my desire that 5/3 bank honor the forbearance plan by removing those allegedly delinquent missed payments from my account, reducing my overall mortgage as if those 3 payments had been mad. I believe that this would be a fair effort on their part in light of the incredibly unprofessional predatory efforts of their customer service representatives. I also want 5/3 bank to reconsider loan modification for my mortgage because of these issues. In the face of all the trauma, grief, stress, terror and sadness associated with military service, at the very least we should be able to avoid financial ruin or bankruptcy. I am currently experiencing the strain of institutional abuse by gender discrimination and financial exploitation by the very country and XXXX I have faithfully served. I can provide any documentation proof you require to validate my efforts and concerns upon request. Please let my loyalty to my country count for something during this very difficult period for my family and I. Thank you for your service, support and concern to this matter. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX , XXXX I received a letter from lender, XXXX XXXX that the ownership of my loan was being transferred to XXXX XXXX , but that they would continue to service my loan. On XXXX XXXX , XXXX I received a letter from XXXX that the service of my loan was being transferred from Fifth Third Ba nk effective XXXX , XXXX , XXXX . This letter did give me an address to send in payments, but no Fifth Third Loan number. It is now XXXX XXXX , XXXX and I have yet to have received anything from Fifth Third about their servicing the loan, I reached out to them to get a loan number but I have nothing from them to show that this is the correct number, additionally I went to their web site to try and make the XXXX payment and it did not recognize the loan number I was given. Today I will get in my car and drive XXXX miles each way to try and make the loan payment in person all because Fifth Third did not do their job of servicing my loan in a timely fashion. Clearly, I and other members of the American p ublic have other ways to spend my time then to deal with failure of Fifth Third Bank to do what XXXX XXXX pays them to do.
Company Response:
State: IL
Zip: 60423
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXX does not allow for automatic online payments so I had a payment amount set through my bank that was well above the minimum payment due. This has been going on since XXXX XXXX . Much to my surprise I received a letter from XXXX XXXX advising me that I had not been making my minimum payment and was now in arrears {$390.00}. I was shocked. I received no information from the bank. I have since been contacting them to correct this matter without any success. I have been told I am too " XXXX '' to use their website. I have been belittled because my " XXXX '' culture makes it impossible for " XXXX '' to understand me so she started yelling at me and hung up on me. I am trying to find a way to set up my payments so they are paid automatically and I dont end up getting assessed unreasonable fees. I believe this practice is intentional. They now claim they can increase my payment to 5 % because I failed to make the minimum payments despite that I was making the same payments every month but they never contacted me to advise me I was not meeting the minimum payments. Again 5th Third Bank does not offer online auto pay like every other bank does. I have been given incorrect information and continue to be assessed horrific fees because they will not tell me how to remedy the solution. I also think it would be respectable to advise XXXX that we are not welcome in your bank - its just the right thing to do. They offer no bill pay, will not promise to send you statements electronically or otherwise _ XXXX says its all in the fine print.
Company Response:
State: IL
Zip: 60068
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My bank is Fifth Third B ank On or about XXXX XXXX I filled out a stop payment order. The automatic payment was for XXXX XXXX XXXX in the amount of {$720.00}. There was no problems in XXXX as the bank stopped the payment. On XXXX XXXX the paid the draft even though they had a valid stop payment order. The Bank representative XXXX XXXX XXXX said they had a valid stop payment order and she did not know why it was paid. She would investigate. XXXX days in a row I spoke with XXXX or XXXX . XXXX finally stated the draft was paid. The stop payment order was not a promise and there was nothing I could do about it. They did refund the over draft " fee 's '' due to their error. However, I did not authorize the money to be paid. The bank was negligent in their handling of this issue and should return money. Thank you,
Company Response:
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I submitted all my information for a short sale on XXXX XXXX , 2017. Every ti me we call in they say there is nothing new to report and it is still in the process of review. They are failing to abide by timeline guidelines for response and the initial processor will not give a point of contact on the file, so every time I get different information.
Company Response:
State: IL
Zip: 60445
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A