Date Received: 2017-03-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XX/XX/XXXX I acquired about hardship for my mortgage. XXXX sent me papers to fill out. On XX/XX/XXXX I mailed all my papers to XXXX in loss mitigation customer care. I again had to mail her more papers on XX/XX/XXXX. I expressed my concern about not be able to make XX/XX/XXXX house payment. I told her I have never been late in 12 years since my husband died in XX/XX/XXXX. She informed me that I was seeking help and nothing would happen to me for not making the payment. She said I qualify for help and I would be ok. I am so disappointed in her terrible advice. I would never have not made the payment, I would have asked my family for help to make XX/XX/XXXX 's payment if I would have known Fifth Third would report me immediately on my credit report and lower my credit score by XXXX points. I was never once informed this would happen for seeking help. I called her twice and emailed her once and she never returned my calls or emails. She gave me false advice and now I do n't qualify to buy a home for my kids and I. I ca n't believe someone would do this to me. It 's said enough us losing my husband and my XXXX kid 's daddy but now our family home. And now I ca n't qualify to buy a home because a 1 time being late ruined my credit. I tried calling at XXXX but every number I tried said Fifth Third was closed. I received a letter saying I do n't qualify for any help at all. I was late in XX/XX/XXXX because of her telling me it was ok because I was seeking help. She again NEVER told me they would report me to the credit bureau and that my credit score would be lowered by XXXX points. My payments of XXXX that I made for XX/XX/XXXX was labeled unapplied credit and the rest XXXX was also labeled unapplied credit. I have made all current mortgage payments and ca n't get her to return my phone calls. She knows she gave me the wrong advice and that 's why she is n't returning my emails or phone calls. I expressed in XX/XX/XXXX my anxiety on not paying my house payment on time. She told me I was going to be ok. That nothing was going to happen to me. How can someone do this to a widower and her children. I need this off my credit and have my score returned to good so I can buy a home for my kids and I. I am so dissatisfied with the bad advice XXXX gave me. I should have never listened or trusted her and I would n't be in this serious mess right now. I am so disappointed and depressed right now. I trusted her and look where I am right now. Credit ruined and no way for me to buy a new home for my kids and I. I would never of not made that XX/XX/XXXX house payment if she would have told me that it would lower my credit score by XXXX points. I would have made that XX/XX/XXXX house payment through asking my family for help if she would have told me the truth about my credit was going to be ruined. She NEVER once told me this. I am so sick to my stomach on how she could leave such a serious issue out of our conversation. Someone please help me. I have never missed a mortgage payment in 12 years. I would never have missed XX/XX/XXXX 's house payment if XXXX would have told me what would happen if I missed XXXX mortgage payment. I need this XXXX time late mortgage payment off my credit score so I may buy a home for my kids and I. I work XXXX jobs. I am a hard worker. Someone help me please. Do n't ever listen to XXXX from Fifth Third, she ruined my life.
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: On XX/XX/2016 my husband and I paid off our Mortgage Loan # XXXX at Fifth Third Bank on Butternut in XXXX MI. To date we have not received a discharge of Mortgage or release of lien on our home. I have spoken with a representative at their customer service department who told me I could go to the XXXX for that information ; we did not make our payments to XXXX. I have also spoken a number of times with XXXX, a manager at their XXXX Branch ( the Branch where we did business ). Each time I have spoken with XXXX, I was told to expect " something '' in the mail or that I would get a call to pick it up at the branch. After a month of repeated calls I have yet to receive anything!!! Is it not a normal course of business for a lender to provide evidence of a satisfied debt to their customer? In the past when paying off a mortgage/loan I have received the original note marked " discharged '' or " satisfied ''. Is this an unusual request?
Company Response:
State: MI
Zip: 49424
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-04
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: i purchased a money order completely filled out and singned by me, it most have fell out of my purse and someone found it got it cashed at Fifth Third Bank the money order was made out to XXXX XXXX for my rent payment. They never received it so i called the XXXX number XXXX XXXX and it had been cashed at a Fifth Thidr Bank in XXXX Mo. and i purchased another money order for a finder fee of XXXX and it shoed that someone had crossed through the pay to the order of and wrote over it with the name of XXXX XXXX and also crossed over my name, the purchasher and wrote XXXX XXXX on that also. My copy i receiced back was cashed on XX/XX/2017. this money order had been forged and cashed and Not by Me.
Company Response:
State: MO
Zip: 63366
Submitted Via: Web
Date Sent: 2017-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-03
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I did not receive the {$400.00} business account opening bonus at 5/3 bank, even though the terms were met. The terms of the bonus promotion were to deposit at least {$5000.00} and maintain an average balance of {$5000.00} for 60 days, while performing 5 debit card transactions - which was successfully accomplished. To provide some background : The account was opened via phone and the promotion information was relayed to me by the baker on account opening, who suggested I deposit {$5000.00} to ensure the {$5000.00} average is met. Once the welcome packet ( containing my account information ) was received - the {$5000.00} was deposited at my local branch. In the 60 days since deposit - the XXXX average balance was maintained, in addition to performing 5 debit transactions. The proof is readily available by looking at the account statements.
Company Response:
State: MI
Zip: 48910
Submitted Via: Web
Date Sent: 2017-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-24
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: In 2006 members of the community HOA opened a CD with Fifth Third Bank or a predecessor bank. As the current President of the HOA, I tried to redeem the CD and was told that since I was n't an original signatory, I could n't redeem the CD, that the original signers would need to come in. There are two problems with that. First, neither I nor the bank know who those individuals are. They looked at the original form and could see signatures but there were no names. The second problem is that the CD was opened eleven years ago and board members from that time have either died or moved away. Our property management company is named on the CD but they ca n't get the funds either. The CD matures on XXXX and will automatically roll over again unless redeemed. Any assistance would be greatly appreciated.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2017-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-24
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I opened an account with Fifth Third through a car dealership when purchasing a car in XXXX. They did not allow online payments, or balance updates at that time. They only sent a paper " coupon book '' which I was supposed to use to make check payments on my own. In the interest of insuring the loan was paid on time and consistently, I instead set up automatic bill payments through my own bank. For two years, I did this without any problems, but I never heard from Fifth Third with any updates. After I moved to XXXX, I called several times to request a proof of title so I could renew my car registration in a new state. Every representative I spoke with assured me that they would have the proof of title mailed, but weeks went by and I never received it. Finally, on the third try, I received the proof of title. But the DMV said I also required a letter stating that I had the lien holder 's permission to register in XXXX. So I called again, and this time ( for the first time ) the rep said I had to go through an external site called XXXX. This extremely dodgy looking website is apparently utilized by several lenders, but it charges an additional fee of up to {$50.00} and takes 15-20 business days to process requests. Even though this seems like an extremely steep price for a simple letter, I would have gone through the site as requested if they had only told me about it two months prior. Also, to make matters more confusing and disturbing, there is no mention whatsoever on Fifth Third 's website of My Title Support 's service. So I basically just have to trust the phone rep who told me that is the only way, instead of the other three who never mentioned it before. I will be refinancing with another company as soon as possible, because I will not deal with Fifth Third anymore.
Company Response:
State: NY
Zip: 13210
Submitted Via: Web
Date Sent: 2017-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-24
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: Around XX/XX/XXXX I got disappointed on how Fifth Third Bank had handled an issue regarding my debitcard being cloned. As a consequence, I closed my checking account with them and paid all the current balance at that time. In XX/XX/XXXX, I received a letter from the Bank saying that I had an opened current balance of about {$300.00}. After many back and forth attempts to dispute the amount, I decided to pay all and get rid of the headache. At the same time, I sent all documentation to the headquarter of the Bank in XXXX so they could proceed to clean my name with the XXXX main credit report organizations. I even received a letter from the Bank confirming that all had been resolved and that they were going to communicate the credit report organizations. Now, XX/XX/XXXX, I received a letter from a third party company saying that I own {$450.00} to the Fifth Third Bank and that after many attempts to reach me ( which was not true ) they will file a lawsuit to collect this debt if I do n't pay immediately. On top of the fact that I do n't know what this amount refers to, I am extremely aggravated by the fact that I am still have been charged for something I resolved properly after more than 3 years ago. I ca n't think of anything but bad practice in bad faith from the 53 Bank.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-24
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I looked at my bank account on my app and it said a {$12.00} transaction happened yesterday at XXXX but I 'm the only one with the card and I have n't made any purchases. What do I do?
Company Response:
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2017-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-22
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have an auto loan with Fifth Third Bank. My payment was made on XXXX/XXXX/17 - BEFORE it would be considered late. I physically walked into the Branch and made the transaction at the Teller window and I have the receipt. I received a letter XXXX/XXXX/17 stating my payment had not been received and have been receiving collection calls for the account even though I have contacted the bank ( on several occasions since XXXX/XXXX/17 shortly after receiving the letter ). Several times, they have been told to stop making collection calls - by their own manager - and they continue to call me daily. They are still " researching '' it as they can see I made my payment ( they have place a copy of the receipt in the request on my account ). They have lost my check. I 've offered to provide a replacement check if they would pay for the " stop payment fees '' on the check they lost ( which they tell me they probably ca n't do ). If they do n't post my payment by XXXX/XXXX/17 it will be considered 30 days late and they will report a late payment to my credit ( I have NO LATE PAYMENTS on my Credit ) but assure me that since it is their fault, they will have that removed. I do n't believe them, I do n't trust them since this has been ongoing since XXXX/XXXX/17 and they are " still researching '' the matter.
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2017-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Hello, My issue revolves around a shortage in my escrow account with my bank Fifth Third ( XXXX IL ), and I have kept all of my paperwork and documentation possible regarding this entire issue, I will not be attaching all of it as it includes my original paperwork when signing for the home ( so please do n't feel as if I do not have documentation to provide ). The numbers I used were rounded numbers, but I can give exact numbers as requested. My issue began 4-5 months ago when I received 2 letters in them ail on the same day, one included a check of XXXX dollar as an overage in my account, and another raising my payments do to a shortage in my account ( both letter received on the same day ). I attempted to redeposit the overage in an attempt to not only keep from being short but to keep my payment from raising. They told me legally they are unable to take it back even though my account was in a shortage. They also made sure to tell me it was due to tax and insurance premiums increasing, which I have documentation stating neither have been raised. A few months pass and I dealt with my {$15.00} increased monthly payment and I receive a letter from the county stating my second installment of taxes have not been paid, and If not paid within 2 week my house will be taken. I called my bank to find out they had a mistake and it will be taken care of, also that this mistake happened to everyone else 's taxes they manage. ( as another bit of information I talked to the county and found out every time my taxes have been paid they have been late ). The taxes were paid after 1 week and I suspected all was in the green until I received a letter from my bank stating I now have a shortage equal to the amount paid on my taxes of XXXX. I called my bank to find out and was told I can pay it in full or over a 12 months cycle ( neither of which I felt was fair ). This was going to raise my payment another {$90.00} a month on top of the {$15.00} a month 2-3 months prior. I did return the shortage I was given in order to set things correct but it did not effect the shortage hardly at all. I had returned {$650.00} and had 4 increased payments and I was still being told I was short {$900.00}. At this point I have had my loan for roughly 1 year 3 months and at this point in time I have accumulated over a {$1200.00} shortage, had 2 late tax payments, had my payment changed 3 times, all because my taxes and insurance supposedly increased. I would not accept that answer when I possessed documentation that said otherwise. I spent the next 2 almost 3 months speaking to a dozen representatives including the bank manager where I received the load and supervisor of escrow accounts at corporate to find out that the bank was unaware there were XXXX tax installments a year in my county and had made a calculation mistake with my escrow and was not billing me appropriately. With this mistake I was not being billed appropriately to accommodate these taxes. My paperwork states how much my taxes for the year would be and somewhere along the line it was not set up correctly to comply with my escrow account requirements. The supervisor with my bank told me although they made this mistake the taxes are still my responsibility and I have to fix the shortage. I fully agree these are my taxes and my responsibility, but I do not feel that a XXXX math calculation when they had all the information to correctly set a payment is unacceptable. I have been lied to ( or told incorrectly by a misinformed employee ) in many different situations, Treated as if I was crazy for being upset over a small {$1200.00}, and even told by my the bank manager my taxes and insurance have increased and I am just going to have to deal with that.
Company Response:
State: IL
Zip: 61938
Submitted Via: Web
Date Sent: 2017-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No