Date Received: 2016-07-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Several months ago, I fell behind with XXXX credit cards due to XXXX. About two months after, I started to get calls from Fifth Third Bank with different phone numbers being used ( one of the creditors ) with immediate following calls from XXXX XXXX XXXX from all over the country. These calls would come in several times a day from this place. I know from past experience after my XXXX was totaled by an uninsured motorist and being put on XXXX that when a creditor hires a collection agency to collect a debt on their behalf, you will get " validation notifications '' informing the debtor they have been hired by?? to collect a debt, name of company they are representing, total amount of debt due, which would be on the letterhead of the debt collector with name, address, and phone number. No such letter has ever been received from any debt collector that Fifth Third Bank has hired them to collect the debt that I owe ( and normally this occurs after some months have passed ). I started to do some research on these phone numbers coming in and have found that the calls being received from who I am led to believe are from Fifth Third Bank or Fifth 3rd Bank as seen on my call log, are coming from a number ( XXXX ). No messages are left by this number, but when I have tried to call this number back, it says that this number has been temporarily disconnect or temporarily busy. My return call does not even go into the back where you would get a greeting such as : You have reached Fifth Third Bank Collections Dept. ; our representatives are busy with other calls, please stay on the line and your call will be answered in the order it was received. This is not the way banks, companies, etc. handle incoming calls in today 's world -- you do not get a message that the number is temporarily disconnected/busy. I filed a complaint against this XXXX XXXX XXXX with the XXXX of XXXX XXXX when I found out they had contacted my XXXX year old Mother who has XXXX and upset her so bad that she thought she had to get an attorney -- my Sister had a hard time getting her settled down after my Sister had talked to me. They asked if she was XXXX XXXX and she said yes and did she have a daughter by the name of XXXX XXXX, what was said after this we do n't know as Mom could not remember ; but found out that a call had come in to her from XXXX of these numbers being used by XXXX XXXX XXXX. I now know that the calls that are identified as Fifth Third Bank or Fifth 3rd Bank ( my statements show the name as Fifth Third Bank, not Fifth 3rd Bank ) are not coming from Fifth Third Bank ; this debt collector is using unfair deceptive business practices and fraudulent collection tactics which I term as a phising expedition to obtain personal information from me. Since filing the complaint with the XXXX of XXXX XXXX, I am now getting calls from XXXX XXXX XXXX and the same numbers as before are coming in from all over the country. These are unscrupulous debt XXXX taking on the identity of Fifth Third Bank to collect a debt that they have not been hired to collect. I have also gotten in a letter, on hot pink paper, saying this was the IRS Negotiations Dept. ( no letterhead such as anything coming from the IRS ) saying they can do whatever at a cost of {$3100.00} with regards to the IRS. I got another letter in on XXXX paper ( no name of company, address, etc. appearing ) to call this number as they collect debts for XXXX, XXXX, XXXX XXXX, etc. This was not a validation notification. This is a scam being perpetrated by this XXXX XXXX XXXX without the knowledge of Fifth Third Bank ( of this I am now sure ). Until such time that I receive legal validation notices, this is a scam that is to cease and desist!!
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2016-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-20
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I had a car loan with 5/3rd Bank which they sent me booklets for 72 monthly payments which I paid on time without missing any payments. The last payment in the last book ( # 72 ) stated " This is your last payment '' so I believed the car was paid off as anyone would. I expected to hear from the bank with my title information but never did. Today I got a call at work from a repossession company stating my car was listed for repossession by 5/3 Bank for nonpayment of my car loan. I explained to them that my car had been paid off since XXXX 2016. Thankfully, they understood that there was a problem with the bank and asked me to contact them directly and were polite enough to give me the account and contact information that I would need. I called the bank and they claimed to not have my address to contact me although there has been no communication from the bank since I received the payment books 6 years ago. During this time my address was the same until I sold my house XX/XX/XXXX. The US Postal service still forwards mail and no contact was made to me to discuss additional payments that were not included in the payment booklets. They claimed over the phone that I owed the last 3 payments of a 75 month payment plan. I do not recall agreeing to 75 months but they claimed they had a signed contract from me for that period. They quoted this to me without proof, without sending me the paperwork, or giving me notice that anything was late. I did not have this contract with me to review and was required to pay regardless of whether this was true or not because they had already placed a repossession order on my car. I questioned them why send only 72 months in payments and say " This is your last payment '' in the payment book on 72 when they expected 75 and got no answer. It was not a matter of not being able to pay for it. I paid over {$1300.00} instantly today to avoid the car being repossessed fraudulently. As shown in my payment history, I could have and would have paid the payments had the bank not sent a 72 month payment booklet saying the loan payments were complete when they claim more payments were due. I now have late payments claimed on my credit history that I consider fraudulent. Why would a bank send payment booklets with less payments than the loan requires? When questioned about this, the bank would not answer. When questioned why nothing was mailed to notify me of their claimed missing payments they claimed they did not have my address. As stated before, they had my address up until the last payment was mailed and the US Postal service continues to forward mail for XXXX customers. If they had mad any attempt to contact me concerning missing payments, they would have been received and dealt with immediately. I feel that this was a deliberate attempt by the bank to mislead a customer and obtain additional funds.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2016-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-19
Issue: Other
Subissue:
Consumer Complaint: In XXXX 2016, I opened a checking account with Fifth Third bank. Once the account was setup, I used the mobile deposit app on my smartphone to deposit XXXX money orders. A few days later, I lost online access and I received a letter in the mail stating that the Money Orders were fraudulent. I was able to deposit the same money orders with XXXX XXXX XXXX. Earlier this month, I applied for a Fifth Third Credit card and was approved. I wanted to have online access to the account so I can manage the account and pay online. Security & Fraud department of Fifth Third Bank would not allow me to have access online because my account is locked because of the issue above with the Money Orders. I was told to contact my local branch and they might be able to request an over ride with the Fraud Department. Local bank requested they need to contact XXXX XXXX to verify the Money Orders are valid. XXXX XXXX said Fifth Third Bank needs to make a conference call with me on the line. I have not heard from Fifth Third Bank regarding the conference call with XXXX XXXX.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2016-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was given incorrect information by Fifth Third Bank 's Homeowners Assistance Specialist, XXXX XXXX. I advised XXXX on XXXX/XXXX/15 that I secured employment and would start working after the first of the year. He advised me to reapply for Hardship assistance after I had 30 days of year to date income at my new job. Proof of XXXX ( fore mentioned ) instruction has been attached for review. I mailed the application back after having 23 days of year to date income. I received a letter from Fifth Third Bank informing me that due to the pending foreclosure sale date, there was not sufficient time to review my hardship application. I had been unaware of the foreclosure prior to receiving the letter. Unfortunately following XXXX direction in waiting to reapply for assistance resulted in the foreclosure of my home. Fifth Third later advised that my account was approved to pursue foreclosure on XXXX/XXXX/15 ; however, after communicating with XXXX several time via phone and email between XXXX/XXXX/15 through XXXX/XXXX/15 ; he failed to inform me of the foreclosure.
Company Response:
State: MI
Zip: 48503
Submitted Via: Web
Date Sent: 2016-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-12
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: We applied for refinancing Fifth Third Bank in XXXX 2015. We filled out the application and opened an account as suggested, began our home banking, began submitting all documents and exchanging correspondence. As the months went on, several obstacles seem to arise and more documentation seem to be needed and supplied. And again more and more. Then time lines seem to pop up expire, get extended, expire and disappear. More paperwork and re-submissions. Phone calls and emails to one co-owner and not to the other so that communication was not clear ... .. Finally we told XXXX XXXX, NO MORE EMAILS OR PHONE CALLS. WE WANT COMMUNICATIONS IN WRITING VIA USPS MAIL ONLY. The next communication we received was an email from a regional manager saying that our application had expired! We already had assumed that this was fraud and that we had been taken for a " RED LINED '' ride! This was a HARP refinancing loan with our equity and XXXX mortgage.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2016-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-06
Issue: Payoff process
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX, I made arrangements with the 53rd Bank # XXXX, XXXX, XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all XXXX of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. My credit bureau disputes are being ignored and my consumer rights have been violated.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2016-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: About XXXX years ago, I modified my mortgage terms under the Home Affordable Modification Program ( HAMP ). XX/XX/XXXX I found out I would be eligible for a {$5000.00} credit towards my principal balance sometime during XX/XX/XXXX because I made all my payments on time. My mortgage holder is Fifth Third Bank, XXXX XXXX XXXX, XXXX OH XXXX. In a letter dated XXXX XXXX, XXXX, they informed me that the {$5000.00} credit would be forthcoming and that I had a choice of either shortening the remaining term of the loan or getting a lower monthly payment, and that the offer expired on XXXX XXXX XXXX. I called them XX/XX/XXXX and told them I would like to elect the lower payment option. Their letter stated that the effective date of the payment change would be XXXX XXXX XXXX. In XX/XX/XXXX they told me that the paperwork had not been completed and I would have to pay the normal higher payment. XX/XX/XXXX they told me the same thing, and I again had to pay the normal higher payment. My latest monthly mortgage statements show that the {$5000.00} credit has been applied to the principal. XX/XX/XXXX I received another letter from them that required my notarized signature to amend the terms of the loan, which I returned to them last week. I called them and they told me I would not be able to receive a partial refund of the excess payments I made XX/XX/XXXX and XX/XX/XXXX, nor would there be any additional reduction in the principal balance for the excess payments. They have not given me a firm figure on my new lower payment, but I believe the total new payment for PITI will be about {$80.00} to {$90.00} per month less than the {$530.00} I have been paying the last several months. My payments are current and I have not had any late payments. I do not know if they will grant me the new lower payment this month ( XXXX XXXX ). I feel they are just dragging their feet on this issue to extract extra interest out of me because they feel they can get away with it.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2016-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-05
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I was harrassed by calls from representatives of 5th 3rd bank about my auto loan payment. I made the payment and they still called me. I told them it would n't show up in their system b/c it was over a holiday and a Sunday but they still asked me why do n't you pay your bills on time. This was the second to last payment on a car loan that I paid on time every month except this XXXX I simply forgot. I asked them to stop calling and they refused. The representative 's name was XXXX and her supervisor was XXXX XXXX - XXXX and XXXX.
Company Response:
State: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2016-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Hi, I have property in XXXX, Ohio. Morgaged via Fifth Third Bank. I missed a payment and continued to be harrassed by Fifth Third Bank personnel. I requested that they do not bang on my home door. Not only do they appear at my door but each day I have received un-postaged envelopes in my mailbox and envelopes taped to my outter door for other residents to see. I have pictures of the envelopes left at my home. This is harrassment and intimidation by Fifth Third Bank that I do n't believe other customers are treated. I am an XXXX Female
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2016-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-29
Issue: Billing disputes
Subissue:
Consumer Complaint: I have a dispute with a merchant called XXXX in the amount of {$4900.00} that Fifth Third Bank has not removed. I 've ask them to remove this charge repeatedly through numerous letters and chat and I 'm being completely ignored. The charge in question is not mine and they need to remove it from my account.
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2016-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No