Date Received: 2016-08-22
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: Contacted me through email, address was " XXXX '' ( XXXXXXXXXXXX ) Documents attached state " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' Asked to send verification via usps, received letter from " XXXX XXXX XXXX '' return address checks out as a courthouse in CA. Letterhead states " professional litigation '' and " ... this law firm.. '' This firm also claims it had sent mail in the past. I have not recieved anything until recently. A " mimi-miranda '' or " attempt to collect '' was also not sent. As I feel more comfortable sending corresponsdence via certified mail, the courthouse address is not acceptable, especially when one is expected to send bank card info back via email ( XXXXXXXXXXXX ) or by fax.
Company Response:
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2016-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-22
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: When financing our vehicle we took a loan from Fifth Third Bank. On our Simple Interest Note and Security Agreement we paid XXXX dollars to Public Officials and XXXX dollars for Title Examination. Once we satisfied our lien in full we received a letter from Fifth Third Bank stating that in order to receive our title we must go to The Ohio XXXX and PURCHASE the title due to the fact that Ohio is a state which produces electronic titles. Ironically, one week before receiving Fifth Third 's letter we had just satisfied our lien on another car that we financed through XXXX XXXX. XXXX XXXX thanked us for our business, thanked us for satisfying our lien and ALSO sent us a PAPER Title. I spent over an hour on the phone with Fifth Third 's loan officer going round and round about how Ohio is a electronic title state and Fifth Third owes us no paper title. I spent another hour with a loan officer at a local Fifth Third branch going round and round about how Fifth Third owes us nothing since Ohio is an a electronic title state. No one could explain why I received a paper title from XXXX XXXX and not from Fifth Third. I was given a handful of excuses as to what the fees of XXXX dollars to Public Officials and XXXX dollars for Title Examination on our Simple Interest Note and Security Agreement really were. We will never consider Fifth Third again for any of our financial needs and urge other to be aware of their " roundabout '' ways of cheating their customers.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2016-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am selling my home Fifth Third bank had been contacted to verify the payoff balance and to verify the account. A flag was set internally with them. I have been paying my mortgage by auto transfer thru XXXX XXXX XXXX for years on the XXXX of every month. When they found out the account will be closed, they attempted to get one months extra interest by claiming the auto payment made on the XXXX for XXXX was not received. Their collections dept called saying I was delinquent claiming the payment was not received and took my bank accounts routing number and account number for a payment over the phone. I verified with XXXX XXXX XXXX that it was after that call was completed. I call back Fifth Third bank asking to refund the 2nd payment and explained that they 'd posted the 1st payment from my account and that they were wrong about the delinquent account. They refused and said they would just credit the 2nd payment toward the XXXX payment. The account will be closed before XXXX. XXXX XXXX XXXX said they ca n't do anything because the transaction had already been processed. You can see on the attached bank statement the withdrawal for {$900.00} on the XXXX and the XXXX for {$920.00} on the XXXX.
Company Response:
State: SD
Zip: 575XX
Submitted Via: Web
Date Sent: 2016-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-17
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Consumer Complaint: They had called frequent and no stop repeated calls, they have called out side of XXXX, sent me threatening mail to take legal actions and they have done this to a friend of mines, as well. They are harassing me with the non stop calling and mailing of letters. They are mis leading, over charging, dis honest, un willing to work with customers and the calling is non stop and voice mails. They have violated all my right as a consumer.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2016-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-17
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Fifth third banks calls non stop and out side out side of XXXX daily repeated calls and sends threatening after days of being withdrawn. They charge so many fees and are not willing to remove over XXXX pre year but they will charge up to three times for XXXX item and anything over XXXX $ which is unfair. They fees are extremely high and un necessary. They have violated my rights as a consumer and almost every way possible and they have done the same thing to my best friend as well.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2016-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-14
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I had applied for a mortgage refinance with Fifth Third Bank. During the application process I had to withdraw my application because my personal plans had fallen through. On XXXX XXXX I was required to pay {$350.00} for a home appraisal which was never performed. When I asked about refunding the the appraisal fee I was told it was not possible and that the bank would keep it and consider it an application fee instead. They explained that because I had signed an intent to proceed with the loan they could keep the money. Is this correct? Fifth Third bank XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Company Response:
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2016-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-11
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, d/b/a XXXX XXXX FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX This firm called my elderly mother looking for me, she 's in XXXX, I 'm in XXXX. They tried to have her " identify me '' by telling her my former addresses ( what? ). They told her I need to sign a legal or court document called a " Preliminary Notice of Further Action '' regarding a debt w/in 72 hours. They left a number for me to call back. I called it and was told this is XXXX XXXX ; we were hired by someone who is collecting a debt for 5/3Bank. ( I googled XXXX XXXX and found on page XXXX the FTC data ). XXXX said they were calling " to establish my direct refusal to pay ''. I asked him to ID the debt before I refused to pay it, he gave me XXXX digits, I said this does n't help. I asked for the nature of the debt, he said an installment loan. I said I never had an installment loan - I 've had many accounts with 5/3, but most were deposits and my HELOC was repaid 4-5 years ago in full. He said he would recommend that his client file a " Preliminary Notice of Further Action '', then. I asked what that was and said he should hold off and just send me a proof of debt, he refused, and said it would take too long. I told him I pay my debts if I owe them - I then asked him to read the itemization on this account. He said he would email my file to me if I would read it now. I was at work, and told him that 's not a secure way to transmit this info, and again asked him to mail me his records. I asked how else can I determine what the account he has is. I do n't think I finished before he hung up on me. I have been called by XXXX-XXXX other collection firms over 3 years about a phantom 5/3 account. I always ask for proof of the debt and an itemization of charges because I do not know of any current 5/3 debt. After that I never hear back from that collector. My poor Mom is freaked out, she wants to know if I need money or if I 'm in trouble, she 's unnecessarily worried. I 'm fine, healthy, well employed and do not need her help. This XXXX! I need your help!!. I called 5/3 and was told they have no active accounts of mine, but they might have sold some debt, or maybe not. I asked what debt and was told " maybe not ''.
Company Response:
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2016-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-11
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I have been working through the red tape presented by Fifth Third Bank as the Mortgage Company, insurance checks were issued to Fifth Third Bank and us as the homeowners. Upon receiving the insurance checks, I notified Fifth Third Bank and asked for guidance on the necessary steps required to assure a smooth transition of endorsing the checks and making payment to the contractor. Upon receipt of the final settlement checks, I received notification from Fifth Third Bank of additional documentation required. All requirements should have been disclosed by Fifth Third Bank during my initial inquiry. Much of this documentation could have been provided months ago to assure no delays in making final payment to the contractor. Two months after the job was completed to the satisfaction of XXXX XXXX and myself, I have been presented with additional requirements which are causing further delay of final payment to the contractor. It is understood your need for the insurance estimate details and the Contractor 's work order which outlines the work to be performed and materials necessary to complete the job. However, it is unacceptable to require an inspection of this job be completed by an inspection company of Fifth Third Bank 's choice, at my expense. XXXX XXXX has verified completion of the work performed, to their satisfaction, with a final inspection at no cost to us the homeowners, for which they have made payment. Fifth Third Bank is now interested in working with me " to ensure that my home is restored to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company will be able to demonstrate that the work performed on my home restored it " to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company assessed the damages to my home prior to the contractor beginning the job. The only thing that Fifth Third Bank is able to assure is payment to their chosen inspection company, at my expense. This is absolutely unacceptable. I 've requesting that Fifth Third Bank waive the need for an inspection, at my expense. There will be no basis for which this inspection could possibly demonstrate the before and after state of my home. To ensure that the work being performed on my home was of quality craftsmanship and done to the specifications of the estimate, I monitored this job by being on site and visible. This required me to take time off from work, at my expense. With that said, Fifth Third Bank is welcome to send an inspector of its choice, at its expense. By pursuing an inspection at my expense, a formal complaint with the Consumer Financial Protection Bureau will be filed.
Company Response:
State: MO
Zip: 63011
Submitted Via: Web
Date Sent: 2016-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-11
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX in the amount of {$500.00} dollars. I have deposited this check via mobile app to my XXXX XXXX XXXX Account. After a while I noticed that this moneys were never deposited so I contacted XXXX XXXX XXXX customer service to search for this deposit. After lengthy phone calls I received a letter from XXXX XXXX XXXX instructing me to bring the original check to the XXXX XXXX XXXX physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. I re deposited this check on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at FIFTH THIRD BANK on XXXX/XXXX/XXXX. I have never deposited this check to FIFTH THIRD BANK! I have NEVER owned an account there I never even heard of this bank. I contacted FIFTH THIRD BANK to see what happened to my check. They said that they cant research this check because there is information missing and that I am not their customer. I asked FIFTH THIRD BANK to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. The bottom line is that I deposited this check on my mobile app to my personal account in XXXX XXXX XXXX the money never showed up and according to XXXX XXXX XXXX this check was cashed at Fifth Third Bank but the check or the deposit cant be researched. I suspect a fraud or software issue because I only deposited this check to XXXX XXXX XXXX and they are claiming that I mobile deposited it in FIFTH THIRD BANK! Please help!!
Company Response:
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2016-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Unbeknownst to me I found out that my home was in foreclosure, because I started receiving letters from local attorneys offering to help me with my foreclosure. I was completely blindsided. I contacted my bank and was told that I had missed making 8 payments, hence the foreclosure. I tracked all payments coming out of my checking account and brought that to the attention of the bank representative that I was talking to. She discovered that all of the last 8 payments had been applied to my escrow account. In fact the most recent payment was denied on XXXX XXXX and supposedly returned to my checking account on XXXX XXXX. I have not received the returned check. I have been a widow for a year and a half and due to the unexpected death I was left with XXXX vehicles to make payments on. I was just informed by my nephew who was borrowing one of the vehicles that it was repossessed from his home. Payments had also been made, some a little late. I want to keep the house, along with a loan modification, the payments applied correctly and my missing money returned.
Company Response:
State: OH
Zip: 44685
Submitted Via: Web
Date Sent: 2016-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes