Date Received: 2015-12-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: A divorce decree dated XXXX/XXXX/13 awarded my ex-wife, XXXX XXXX XXXX, ownership of the property located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Per the terms of the decree, she was required to refinance our jointly held mortgage with Fifth Third Bank, in her own name, within six months. She has refused to satisfy this obligation and has caused severe damage to my credit report since that time. Both my attorney and I have contacted XXXX XXXX in regards to this matter on multiple occasions. I have disputed this account with all XXXX credit bureaus. I have also contacted Fifth Third Bank in an attempt to be released from liability for this mortgage. All attempts to remove my name from this debt, and remove this debt from my credit report have been denied. It is my understanding that XXXX XXXX is unable to secure financing in her own name. Be that as it may, I should not continue to receive derogatory marks on my credit report due to her payment delinquency.
Company Response:
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-08
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I called 5th 3rd bank to see if I was included in the Auto Lending Enforcement. I was told that this is only for the state of Ohio and I was n't included in the suit.
Company Response:
State: MO
Zip: 64130
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-07
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I got a change of address notification in the mail that I did not authorize. It was the same address but a different date that they changed my mothers account without authorization! This account has been closed since XX/XX/2014 however I do have XXXX other accounts with fifth third!
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-05
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: In XX/XX/XXXX I filed bankruptcy due to medical bills and loss of income, and during the process I communicated to my attorney that I wanted to keep my car. On XX/XX/XXXX my attorney received a copy of the Reaffirmation Agreement from Fifth Third representative XXXX XXXX. I spoke with my attorney about the form .I signed it and my attorney sent the information to Fifth Third Bank ( see correspondence below from attorney to Fifth Third Bank ). My bankruptcy was discharged in XX/XX/XXXX, and therefore Fifth Third was now allowed to speak with me about the account, and return my calls. Over a 3 to 4 month period I contacted Fifth Third Bank about rearranging my payment as stated in the Reaffirmation Agreement. They were not willing to work with me and over a XXXX to XXXX period I submitted payments late. On XX/XX/XXXX Fifth Third Bank reposed my car in the early morning. There were no calls or communications from them regarding their intent. They had my address and phone number, and could have called me to discuss a payment plan per the Reaffirmation Agreement, and my expectations. Based on the information the attorney sent Fifth Third Bank it is obvious that they violated the bankruptcy laws and rules. It is also obvious that they were careless in dealing with this sensitive issue. I called Fifth Third Bank and complained about the process, and to discuss the Reaffirmation Agreement. I was told by XXXX people at Fifth Third Bank ( XXXX a representative, XXXX the supervisor, and XXXX the Manager ) that they did not receive the signed agreement. They all lied about the Reaffirmation Agreement, it was sent to them. They communicated that my attorney would not return their calls and therefore they left it alone. The attorney provided proof that Fifth Third Bank was sent the signed form. We were not getting anywhere with Fifth Third Bank regarding their error. They were rude and cared less about the hardship they created. On XX/XX/XXXX I went to the bank and paid the car off, and while at the bank I asked the teller if the check would be put on hold. I was told no, and that it would clear that night. Today, XX/XX/XXXX, Fifth Third Bank refuses to release my car stating that we have to wait 5 days for the check to clear, which it cleared on XX/XX/XXXX at XXXX Fifth Third is holding the car because they are trying to correct the error they created, and cover up their violation related to the bankruptcy laws. We were told that they have to follow the bankruptcy rules and laws. This statement confirms that they violated the rules and acted out of greed and malice regarding my car. Please note that I also mailed the signed form to Fifth Third Bank. Fifth Third Bank careless actions have created a hardship related to : - Transportation to and from work ... causing me to be late and putting my job at risk- Creating unsafe situations- Transportation related to my kids ride to and from school- Fees associated with acquiring funds to purchase the car ... high rate loans due to my bankruptcy -- -- -- -- Original message -- -- -- -- From : XXXX XXXX XXXX ( XXXX ) To : XXXX : Requested information ; XXXX and XXXX XXXX, As requested, please see below a copy of the email correspondences between our office and Fifth Third Bank 's representative, XXXX XXXX XXXX, XXXX. An attorney from our firm had directly forwarded the email sent to us by XXXX XXXX to XXXX, XXXX. Please let me know if you have any further questions or concerns. Thank you. Sincerely, XXXX XXXX at XXXX, XXXX XXXX XXXX, Georgia XXXX. : ( XXXX ) XXXX : ( XXXX ) XXXX : XXXX NOTICE : This email message ( including attachments ) contains information which may be confidential and/or legally privileged. It is intend
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2015-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-01
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My bank account, savings, checking, as well as a credit Account had an address change that was unauthorized. I immediately called Fifth Third call center and spoke to XXXX to be told my account address was changed via the phone. I asked to freeze accounts but could not be done on the phone so I went to the branch. The address was changed on my account by a person by the name of XXXX XXXX but why would that be in the bank notes and why would the bank allow another person to change account address??? I asked why the address would have been changed all they could tell me it was done on the phone. What? And what about multi faceted questions to check account holder??? HELP!!! My bank statement may have gone to this new XXXX address they could not tell me if that happened
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2015-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-30
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I am being contacted continually by 5th 3rd Bank at my place of employment via robocalls that are tying up my business phone line and filling my voicemail box. These calls are being initiated bu their collections department. I am not a 5th 3rd customer, not have I ever been. I have contacted 5th 3rd multiple times to inform them of this and to have the number removed from their system, to no avail.
Company Response:
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2015-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XX/XX/XXXX i purchased my house for {$820000.00} ( firs time home owner ) and later on i found out that is only worth a lot less than XXXX I want some one to investgate this as is very unfair that i have a loan for over {$800000.00} .. I have attached an appraisal document stating the value of the house a year ago ( XX/XX/XXXX )
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2015-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-30
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: this is on case Case number : XXXX disputed and sent several documents justifying my case and I should be refunded my deposits due to 5th 3rd bank lack of ability in underwriting a file. Thank youXXXX XXXX
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2015-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-25
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Had funds taken out of my acct that were not supposed to be from my account. Saw the check withdraw of {$630.00} called and after a 20Min call was told bank mistake would try to credit account would take up to 48 hours. Later that day curious checked my acct to find that my acct was not credited but again debited another {$630.00}. Called talked w XXXX acct customerService and was told hopefully can credit acct tomorrow but wo n't find out until tomorrow what? The second charge was pending just reverse was told could not so now I am waiting on XXXX credit! Help!!!
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2015-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-25
Issue: Unsolicited issuance of credit card
Subissue:
Consumer Complaint: Fifth Third issued me a credit card account, unbeknownst to me until I saw my credit report today. The credit card account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. This has resulted in damaging information on my credit reports. I called Fifth Third today to report this matter, and ask that the derogatory information be removed from my account and the Credit Reporting Agencies, but the response I got from XXXX different departments at Fifth Third was lackadaisical at best. I was told that I must have signed papers acknowledging the acceptance of the credit card account, which if true, was completely unknown to me at the time. At the time, all I had realized I was applying for was a credit score monitoring / improvement " program ''. Ironically, the report made to the XXXX Credit Reporting Agencies for accrued fees and interest for this unbeknownst credit card account is the single most damaging blot on my credit report! NOT a fan of Fifth Third and their business tactics.
Company Response:
State: OH
Zip: 43221
Submitted Via: Web
Date Sent: 2015-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No