Date Received: 2015-12-22
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: 5th 3rd bank and affiliates continue to harass me.also a court in XXXX XXXX has denied them any further action against myself.they wo n't remove this from XXXX bureaus or credit reporting.they soon if do n't immediately comply within 30 days will be sued.I have had it.I have proof this has been denied by a judge
Company Response:
State: FL
Zip: 33905
Submitted Via: Web
Date Sent: 2015-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had sold a home that I owned with another person. At the time of closing the proceeds were split XXXX. Then the Mortgage company fifth third mortgage sent a check back for our escrow refund, check was sent to a address I do not know. I had called fifth third bank several times about the escrow check and they assured me that the check would have to be signed by both parties. Then the other party took the check to fifth third bank signed his name to the escrow mortgage refund check and deposited it in his account with out my signature. I am not on his checking account. So fifth third bank has let the other party take the Mortgage escrow refund all to himself. I contact fifth third bank and was told to bad. Please investigate
Company Response:
State: TN
Zip: 37865
Submitted Via: Web
Date Sent: 2015-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-19
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: In XXXX 2006 my XXXX year old Father who I am guardian of now, took out a mortgage loan with Fifth Third bank. It was considered a cash out refinance with my fathers desire to pay off medical bills from his deceased wife XXXX XXXX who died of XXXX the year before. There was no appraisal done on the home located at XXXX XXXX XXXX, XXXX, Ohio XXXX. The loan amount was {$110000.00}. At that time, there was no house within a mile radius worth {$110000.00}. I am assuming they used some some of automated valuation system or the loan was a 125 % predatory loan. The rate is 7.375 % and the loan is being held by Fifth Third bank because it was n't salable to XXXX or XXXX XXXX due to the value placed on the property. This caused my father to not be able to take advantage of the HARP or HASP program or any other type of loan produce due to the loan to value issue. My estimation of the value of the property today would be approximately XXXX to XXXX Dollars due to the massive amount of foreclosures in his neighborhood and general property value decline based on the neighborhood. My father is in a XXXX now and there is no possible way of selling the home for the amount he owes which is {$100000.00}. We contacted Fifth Third bank and asked for a principle reduction on the loan but was n't considered. They suggested a deed in Lieu of Foreclosure which we did not do. Foreclosure proceedings have begun and I am now researching filing bankruptcy to protect my father financially for any future ramifications of a foreclosure. My father is a retired teamster. He worked 40 years as a XXXX making a good decent living. The expense of my step-mothers XXXX took a toll on their finances and when she passed away his only true asset was his home and was forced to refinance and take cash out to pay off medical expenses. He was taken advantage of by Fifth Third bank when they gave him a loan that was never going to be paid off nor ever have the ability to sell his lifelong home for enough to pay off the loan. The money he receives now is needed for his care. Fifth Third Bank knowingly made a loan to him at an over inflated value to incent him to sign the papers at a desperate time of his life. Shame on them.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2015-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-17
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I live in the state of XXXX and on XX/XX/XXXX, I purchased a used XXXX Toyota Scion for my XXXX year old son who lives in the state of XXXX. I purchased this vehicle from XXXX XXXX XXXX located in XXXX XXXX. I advised the salesperson that I was purchasing this car for my son who lives in XXXX. Prior to signing the paperwork, I inquired what was the most efficient way to add my son to the title so he would be able to register the car in XXXX when I delivered the car to him. The salesperson advised me that I would just need to call the bank that financed the loan to have him added to the title. This sounded logical to me as that is exactly what I did while living in XXXX when I purchased a car for my daughter who also resides in XXXX. I just called the XXXX XXXX who financed that loan and for a small fee they added her to the title and she was able to register the car in her name in XXXX. With that said, I purchased the car. On XX/XX/XXXX I received a call from Fifth Third Bank located in XXXX XXXX advising me that they were financing my car loan and they just needed to verify the information on my application. After verifying my information, I advised the 5th 3rd representative that I had purchased the car for my son who lives in XXXX and inquired what I needed to do to add him to the title. He advised me that once I got the car to XXXX that I just needed to call back and let them know the location of the vehicle and give them my sons information and they would be able to add him to the title. So now I have both the car dealership and the Bank advising me that there would be no issue with adding my son to the title. Equipped with this information, on XX/XX/XXXX, I drove the car I purchased for my son from XXXX to XXXX and presented the car to my son so he would have transportation to his part time job and for college when he starts in XX/XX/XXXX. On XXXX, I called Fifth Third Bank to start the process of adding my son to the title. At this time, the agent advised me that is against XXXX XXXX policy to add anyone to the title. I was told that the only way Fifth Third Bank would add anyone is if they were a signor on the loan. I advised this person that I needed to speak to a supervisor. The supervisor advised me the same thing. I then requested to speak to a Manager and was told the same thing. On XX/XX/XXXX, I filed a formal complaint with 5th 3rd claiming that I was deceived into obtaining this loan and now they were not willing to follow through on what they told me before finalizing the loan. If they told me on XXXX XXXX, that it was against their policy to add a non signor to the title, I would have told them to NOT process the loan and I would 've drove the car back to the dealership and had them find a financial institution that would allow me to add my son to the title without being a signor. I have a XXXX FICO score so I was NOT dependent on 5th 3rd Bank financing this loan. I was in a position where I could have shopped around for a loan that fitted my needs. On XXXX I called 5th 3rd back as no one called me back about the complaint. I was advised that my complaint had not been assigned to anyone at that point. I finally received a call back on XX/XX/XXXX advising me that there was nothing I could do as 5th 3rd was enforcing their policy. So now I am stuck with an {$11000.00} loan and a car that my son can drive. I feel that this is a blatant UDAP violation!
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2015-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-17
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Description of the complaint I had several transactions process overnight same time as my payroll deposited. XXXX transaction was a XXXX withdrawl it was XXXX transaction that was split into XXXX total debits as each item shipped. This resulted in a total of {$180.00} in fees for {$140.00} worth of purchases. My account was never in the negative that I saw as it all posted at the same time when I looked at my account in the morning this occured everything seemed fine. Later that morning {$180.00} in fees were pending. I called and spoke with XXXX who told me my direct deposit should negate the fees and cause them to fall from a pending state and no one could help me until they posted and that the manager would do everything to help me tomorrow. Called next day was told XXXX the manager would call me back in 15 minutes 3 hours later no call back i called him. he finally returned my call and said that they will only waive {$74.00} a year. I explained that XXXX of the charged were of the result of XXXX transaction offered to provide proof. he said it was out of his hands he didnt have authority he would have district manager call me. the next day XXXX called and said he was acting as rep. of the bank the district manager would not be calling me and they would not be waiving any fees. 1. How can they charge me {$37.00} 4 times on XXXX transaction, and refuse to even look at the documenttaion. 2. If a direct deposit and charges both post at midnight the account was never in the negative state. 3.Is there no limit as to what they can charge and under what circumstance? 3. additionaly while I am adressing issues they have been randonly charging me XXXX per account per month on what is suppossed to be free military accounts and i have called several times they waive and " fix '' it then randomly again I am charged these fees.
Company Response:
State: OH
Zip: 44236
Submitted Via: Web
Date Sent: 2015-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-15
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: On XXXX XXXX XXXX i went into XXXX on to use my ATM i withdrew XXXX the XXXX was coming out crooked when i reached to grab the side that was coming out the most the door shut causing half of the other XXXX to get stuck so i was left with a half of the XXXX in my hand upset. so i transferred XXXX from my saving to my checking thinking if i did another transaction my other half would come out with the new XXXX well that did n't happen .i asked the cashier what i need to do she advised me that she does not own the atm. so i went to my car to call the bank they understood what happened and credited the XXXX back to my account which i was very thankful for that. so in the meantime i had no use for the broken XXXX so i discarded it. On XXXX the XXXX i notice that it was XXXX dollars missing from my account. i received a letter some days afterwards saying that the ATM was found to be balanced and they are taking XXXX back out my account on XXXX/XXXX/XXXX and the determination is final it also stated that i can call them if i had any questions or if i wish to receive copies of the documents used for the investigation of the dispute. so i gave them a call and they stated that they can not provide me a copy of the information used it was just some papers that they filled out and that their ATM is not owned by Fifth Third it is owned by another company. with that being said i walked them thew what happened that day asked did they review the cameras on the ATM did they look into my account and seen the withdrawal or even the transfer that i made at the same time they told me whatever the person did to determine that the ATM was balanced is what we go by once again i told them that this really did happen to me i asked did they find the other half of the XXXX they stated that they did not know. after going back and forth with this person i decided to call my local branch and i was told that the regional manager has to get back with me after calling and the branch saying that we have been emailing him to call you this went on for a month straight i called everyday finally a regional manager that was in the office and i was transferred to him and he basically said they can not do anything about it they have to go by what the ATM says and if everyone called in and said that that happened to them they would no longer be a bank it will be like giving out free money. he then asked me where is the other half of the XXXX that he can see if a serial number matches up i told him that i no longer have it because when i called in about it that day they credited the money to my account he said well you should of just came in the branch well at that time the branch was closed and i really needed my money to eat. o that was the end of that because he just kept saying that it is nothing that they can do and will not credit the money back to my account. i have been with this bank since XXXX and the way I was treated when i had this issues is very disappointing because this issue really did happen and at the end of the day I got nowhere and I 'm still without XXXX in my account .Trust is a big thing with me and it makes me not want to trust ATMs anymore because I do n't want to go threw this every again and to know that my personal bank does n't care about what happen makes me even sadder
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2015-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-15
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have a loan for a lot in XXXX Florida with 53 bank for many years. this lot actually belongs to my sister and her family who is making the monthly payment through me.she could n't get a loan back then so I got a loan for them so they can have a small investment before economy down turn. We have been making a payment every month right at due date on the clock all these years. in the past before loan becomes mature I was being contacted and they would renew the loan with no issues. This time I was not contacted prior to loan become mature on XX/XX/XXXX. Then I 've got a call demanding the loan to be paid off in whole including all penalties which it comes to about {$68000.00} I explained this is impossible with such a short time so if there was anyway they can reconsider of refinancing it so my sister 's family has more time to come up with other means of getting loan on their residence and pay off this loan. this has been going on for almost more than 30 days. every time I call they are stating they need more documents and they are working on it. Last commutation was this morning. In the meantime I am getting calls from their collection dept every day sometime few times and I have to explain to different people the same thing and give them an update of their bank 's action. Seems like 53rd bank either do n't communicate with their own departments or they do n't have an access to the same file or perhaps right hand does n't know what the left hand doing, During all this we have been making our monthly regular payment of {$400.00} a month without interruption. These are beside they reported delinquency to my credit file so my credit score from XXXX dropped to XXXX technically we are not late on the loan and still making the payment. I told them we need to sort this out as soon as possible so we can stop the bleeding of destroying my credit any further and start cleaning it up but still no action. I am getting calls from other creditor due to low credit and they are cutting my line of credit as a result. In the meantime I was told by their collection dept that 53 bank getting ready to shot sale the lot which is totally wrong specially when I worked so hard to get the loan extended and hold off is from their side, not my side. XXXX XXXX is my only hope to get my voice to the proper authority for help to fix this problem and help getting my credit back for this unfair act of 53 bank. Furthermore I have most of the communication that was done via email which I can supply upon request. Also I would request to check my credit history and see if there was ANY late or delinquency for past 22 years and since I moved to XXXX I 've heard Consumer Protection helped so many people to get them back on track and I am hoping to such a result in this case. Thank you for your time and help in advance.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2015-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-12
Issue: Billing statement
Subissue:
Consumer Complaint: I have a credit card with Fifth Third bank. On XXXX/XXXX/2015 I was billed XXXX for next years annual fee. I received the bill on XXXX/XXXX/2015 and called the customer service line at XXXX and told them that I wanted to cancelled card as I did not want to pay a XXXX annual fee for a credit card. They closed the account but are refusing to reverse the unauthorized annual fee.
Company Response:
State: NC
Zip: 28120
Submitted Via: Web
Date Sent: 2015-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-11
Issue: APR or interest rate
Subissue:
Consumer Complaint: On XXXX XXXX, 2015 I contacted XXXX XXXX XXXX XXXX to pay off my vehicle. I paid using a Fifth Third Bank credit card. The total due to pay off my car loan was {$7400.00}. I went ahead with the transaction. This was considered a point of sale purchase. On XXXX/XXXX/2015 when the transaction posted for {$7400.00} to my Fifth Third Bank credit card, i noticed there was a cash advance fee for {$290.00}, I immediately called the bank and of course immediately i get a bunch of runaround. However this was not a cash advance and I will not pay 24.99 % when i already was paying that to XXXX XXXX XXXX prior to paying of the loan. So what did i gain by paying off the loan to get the same interest rate as XXXX XXXX. I contacted XXXX XXXX on XXXX/XXXX/2015 and they advised me that they did not process this card as cash or a cash advance, and that Fifth Third Bank back end processing converted it to a cash advance. I disagree with what has happened and i expect a serious resolution or my next step is to see an attorney.
Company Response:
State: OH
Zip: 45373
Submitted Via: Web
Date Sent: 2015-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: It all started with buying a condo. It 's my first property purchase ever ; I knew I needed proper guidance and explanation, which I made clear to XXXX XXXX, my closing attorney, who was referred by my realtor. XXXX and I only had one phone conversation, the rest of the communication was done via email. I eventually received an email from him XXXX/XXXX/15 asking me when I will have my closing funds available for wiring. We replied back and forth via email and he eventually replied with a detailed email with attached wiring instructions and asked I get it done by Friday, XXXX/XXXX/15. He confirmed the wiring amount should be {$35000.00}. I did as he requested. Closing was scheduled for XXXX/XXXX/15. The realtor was the one who directed me to the closing immediately after our final walkthrough of the unit ; I had n't heard from XXXX. At the closing, XXXX explained the document figures then awaited the closing funds. Confused and astonished, I told him I followed his orders and had his email and wiring instructions handy to prove it to him. He read the documents and claimed he never sent such email. He eventually came to the conclusion his email had been hacked. Needless to say, I was shocked, frustrated and in disbelief, to say the least. I immediately ran to my bank to inquire and investigate but all my bank could tell me is the funds were no longer available and a wire reversal was therefore not possible. I asked XXXX whether his insurance would cover such a fraud, but he claimed they would n't since he did nothing wrong. All XXXX did is make clear his only interest was completing the closing procedure and did not show any concern for my tremendous loss ; he even had the indecency to call me while I was franticly at my bank, to ask whether I had other funds I could use to close. Closing never took place this day. XXXX eventually finally called me XXXX days later asking me how I plan to proceed. I made it clear to him I was very disappointed about the outcome and stressed this fraud issue is beyond my control. I insisted I trusted all communication coming from his email so therefore had no reason to be suspicious but he insisted he is not liable for anything. Once I mentioned I 'd then have to seek legal assistance in this matter, he stated I was creating an adversarial situation and then made it clear he and I can no longer communicate. XXXX or not XXXX is guilty of this fraud, it 's hard for me to believe he has no liability in this matter whatsoever. Not once did he have verbal communication with me to confirm complete, safe preparation for closing. Since he claimed he did not send this email, I inquired as to what he DID send, otherwise I would not have known how to be prepared for closing. He claimed he sent an email XXXX/XXXX/15 ( the day right before XXXX ; closing was the immediate Monday after ) that stated specifics on what to bring to closing ; I never received this email. Upon wanting to see proof of this email, he was only able to send a PDF copy of it, claiming he deletes proof of sent, but prints them instead. This alone makes no sense. To top it all off, my email address on this particular email was ALL OF A SUDDEN incorrect. So, even if he DID send it like he claims, I would n't have received it anyway, and even if WERE accurately sent, it would 've been too late. This is unacceptable. I 'm out {$35000.00} and am desperately trying to recover these hard-earned funds. I 've filed a police report and hired an attorney but honestly feel the CFPB should be involved in this as well. There should be a serious warning to all homebuyers to ensure this does not happen again. Upon searching online, I see this scam has been going on for years ; with that said, I would think banks, realtors and closing attorneys would be precautious. This could 've easily been prevented. Please help recover my hard-earned funds.
Company Response:
State: IL
Zip: 60085
Submitted Via: Web
Date Sent: 2015-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes