Date Received: 2016-01-07
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have tried for the past 6 months to get XXXX bank to rectify a mistake they made to ch to chex systems. to the date of this correspondent this has n't happened. I have provided documentation to them, with them coming back and sayin that this this inforaation is accurate. Im exhausted with all the going back and forth with them not being held accountable
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2016-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Fifth Third Bank made an unauthorized withdrawal from a checking account solely in my name to pay off a loan that was solely in my wife 's name.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2016-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We have a XXXX mortgage with Fifth Third bank for the past 15 years and it has come due with XXXX still owed. It was a fixed rate installment loan and I was late several times but I have also paid most of the late fees. We have tried to get help to understand why we still owe so much but have not gotten anywhere. They apply our payments wrong and charge us late fees even when we are not late. I 've gotten the history and do not understand the way they apply the interest and principle and when I paid extra they did not apply it to the late fees. I would like to have this investigated or audited before I pay the total amount due. I know I owe money but I do n't feel it can be that much.
Company Response:
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2016-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was involved in a divorce in 2009 and had to file bankruptcy. Fifth third bank was to foreclose on a home which I could no longer afford. The property still sits as a zombie property, with the bank neither foreclosing or releasing the home. As a result, vandalism continues to occur and I continue to receive costs associated with the home, since 2009! I have repeatedly called the bank to gain clarity and find their plan but they refuse to speak with me. They tell me that they can not discuss the matter. I would like to get this off my plate, by eiher the bank foreclosing on the home or releasing so I can sell it. In the meantime, the house sits as a vacant property, bringing other home values down and has become a nuisance. Somehow, this seems like an illegal practice, but it is not. Just extremely poor business practice from this bank who contributes to community blight. How can I get the bank to dscuss or take action to either foreclose or release the house?
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2016-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-31
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: On XXXX XXXX, 2015 I viewed my online checking account through 5/3rd banking and I realized I was in an overdrawn state of $ XXXXin my checking account. I was charged recurring for 3 days on XXXX XXXX, and XXXX without notification that my account was in a negative state. Upon paying the balance I called the customer service at XXXX and spoke to both a XXXX and his manager XXXX and I complained that I was not notified via email or even by phone that I was in a negative state. I did however receive a letter on the XXXX of XXXX stating that my account was overdrawn. I told both gentleman that it was unprofessional and uncourteous of the bank to not notify me sooner about this problem. XXXX the manager said that the bank does NOT notify by email or phone and that they only notify by only by letter. My concerns are that if this is the case why did a letter not come any sooner and why did it take 7 days for me to be notify. I am also concern that since it was a holiday weekend had I not been home for the holidays I would not have known about this problem until afterward and could have potentially been hit with more overdraw fees. Upon opening the account I had asked the bank to not process anything if there were not sufficient funds in my account. I suspect that 5/3rd computers are program to send letters after generating more than XXXX overdraw fees recurring thus putting the consumer in financial risk.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2015-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-29
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I filed bankruptcy and everything was discharged except my mortgage and car loan. The car loan was with 5th Third Bank and an investigator is calling my duaghters and my place of work! His name is XXXX XXXX at XXXX. I have asked him to not contact me any further.
Company Response:
State: GA
Zip: 30542
Submitted Via: Web
Date Sent: 2015-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-28
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Fith third bank ( contribution reference # XXXX ) reported inacurrate information to Early Warning system. As a result it reflects my report in a very bias way. After contacting Fith third bank on this matter, they ask for my information to see if they could resolve the matter. I.E. my account number or debit card number XXXX, Business name XXXX XXXX XXXX personal name XXXX XXXX XXXX. After giving this info they informed that they didnt see anything that was reported. So im asking for this matter to be investigated and release of any negative info on my report .Thank you
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: When we first got our loan from 5/3 bank, things were good. Until we got our tax bill from XXXX XXXX the following year. Apparently out taxes were not being paid by our mortgage company, even though we had an escrow account. After talking to 5/3 at length about the issue, they then paid the taxes, late fees and all. This is important to note since after talking to XXXX XXXX, they said had they not paid it right away, they could have reduced the late fees. This essentially cost us thousands of dollars. This shocked me because instead of our mortgage company going to XXXX XXXX and trying to reduce these fees, they were more interested in causing us more hardship. The really messed up part is that they rolled those late fees, which were all because of them into our escrow shortfall. Now maybe that is my own fault for not arguing with them to get that fixed at the time, but I did n't think that they were looking to essentially take advantage of us. I actually trusted them. Now here we are 1 year later and we get another increased bill because 5/3 did n't question the tax bill. While I understand that if they get a bill from the city/county they have to pay it, but it was pretty obvious to me at one glance that when my summer taxes doubled, that there was a mistake by the county/city. So instead of a mortgage company looking out for it 's clients, all they did was take advantage of the situation. They raised our bill and to compensate for the shortage. I have since called the county/city and they have stated that it was an obvious error and had they been alerted to it earlier, they could have corrected it before the payment was submitted. They sent it to the board and have revised the taxes. I have sent this information to 5/3 and they said that they will not correct the issue until they talk to the county, which is funny that if they had done that in the first place none of this would have happened in the first place. So now they want me to pay the increased bill even though we ca n't afford it and they are threatening us to make the payment. I have explained that as soon as we get this check from the county/city, we will make our payment. It has become clear to me that this company is all about getting more money from their clients then they are about actually take care of their clients. They have taken advantage of us and done nothing but done so unethically and negligently.
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2015-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-23
Issue: Other
Subissue:
Consumer Complaint: For my XXXX payment on my credit card from Fifth Third Bank, I made an online payment via direct transfer from my bank account on XXXX. No record of this payment was generated, either on their online service, XXXX, or via E-mail. On XXXX I was charged interest on the balance of my account. In response I made a second payment, and no record was generated. However XXXX payments were then processed, overdrawing my bank account. I contacted customer support on XXXX once the error was realized. My request was for the initial payment, in the amount of {$1000.00} to be refunded to me. I was told that the only option for refund was via check, which would take 2-4 business weeks to arrive by mail. I agreed to this. After three weeks, I contacted customer service again to ask for the status of my refund, and was told that the check had been mailed, but due to the holidays may take longer than normal to arrive. I was advised to call back if I had not received the check by the next Monday. The check did not arrive, and when I called back I was informed that it in fact had not been sent. I requested at that time that rather than mail a check, that the funds simply be re-applied to the balance of my credit card. The representative with whom I was speaking said that she would forward my request to the escalation team managing my account and have her supervisor call me when available. I did not receive a call. Two weeks later, the funds had not been returned to my account, and I called again. The representative with whom I spoke on that day indicated that there was no record that I had asked for the refund to be re-applied to my account rather than mailed, and the escalation team was still working on mailing the check. I again requested electronic application of the funds to my credit card. I was told that the escalation team would call me back, and they did not. On follow up later the same week, XXXX, the representative with whom I spoke informed me that monetary funds could not be deposited in my account until the XXXX billing cycle, and that the escalation team would call me the same day, but were unavailable at that time. I did not receive a call. I have tried again to contact the escalation team or a supervisor today, but was informed that they are too busy to speak with me. At this time, I consider Fifth Third Bank to have stolen {$1000.00} from me. I have been lied to repeated regarding potential options for resolution of the theft, and regarding follow up attempts on the part of representatives from their company. I have no faith that I will see this money again.
Company Response:
State: PA
Zip: 188XX
Submitted Via: Web
Date Sent: 2015-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Hello, we are working on a short sale where the servicer has made multiple errors and they are refusing to correct the issues and have taken a hard line approach since we brought up the concerns. They are pursuing a foreclosure and a short sale at the same time. The mtg was taken out in a trust yet in their system, and on letters sent out they show a different, incorrect mortgagor. They required financials from the incorrect mortgagor The XXXX approval letter they issued required no repayment but the new XXXX that was issued a few months later now require repayment of most of the balance, none of this was discussed before they issued the approval letter. When we brought up the concerns about the trust and incorrect names Fifth Third acknowledged this was an error but said " they are not going to waste their time correcting this issue unless the sellers agree to the repayment. '' After we addressed our concerns, fifth third also said our only options were to have a new agreement signed saying that the incorrect mortgagors would accept personal responsibility for the repayment and the trust would not be responsible. XXXX, the negotiator at fifth third refused to correct the errors or address our concerns further with their attorney. Her exacts word were '' if the sellers do not agree to the repayment, we will close the file ''
Company Response:
State: IL
Zip: 60014
Submitted Via: Web
Date Sent: 2015-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No