Date Received: 2015-10-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Collectors are calling Family Members! This is not our debt, but they are calling us in reference to a family member who does NOT live with us! They are pushy, and we need to hang up on them. I thought it was illegal to contact family member! But these calls are aggravating!
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2015-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-13
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I 've been notified that Fifth Third Bank charged XXXX and XXXX a higher interest rate on car loans made from XX/XX/XXXX through XX/XX/XXXX based on their race. I purchased my vehicle XX/XX/XXXX and feel that I may have been taken advantage of by their lending practices.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2015-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-08
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I started a mortgage process with the Fifth third bank to buy a house in SHORT SALE. This lender received all my documentation, give me the preaproval letter, good faith estimate, and ordered the home appraisal, charging my credit card. BIG MISTAKE!!!!. it was a short sale.The formal process can not start until the receiving of the approval letter from the seller 's mortgage Bank. - meanwhile the loan should be in a pending status. The ordered appraisal was done 30 days before receiving the approval letter. at this time was expired. So, it was supposed to be redone. When they realize their mistake, never answer my phone calls, or e-mails again. The last communication, 20 days before the closing day was " we have to start the process again ''. Even if I give my authorization to do the home appraisal, it does not mean that this could be done without complying with all legal requirements. I do not have to pay with my money for their unforgivable mistakes. I sent an e-mail, and certified letter to XXXX XXXX, Vice President Area Sales manager ( XXXXXXXXXXXX - XXXX XXXX XXXX ) requesting my money back. He never answer.
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2015-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-08
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On XXXX the XXXX I deposited {$440.00} cash into the ATM at Fifth Third Bank located XXXX XXXX XXXX XXXX XXXX KY. The ATM failed to finish my transaction and gave me my card back however it did n't give me my money or a reciept. I immediately went into the bank and explained to the manager what happened ... she told me due to me not banking with them and having a XXXX XXXX Bank account they are unable to give me my money that I would need to file a dispute with my bank. I did file the dispute and my bank gave me a provential credit on my account to cover the {$440.00} until they recieved the money from Fifth Third ... On Monday evening XXXX/XXXX/15 I noticed my checking account was overdrawn and when I called my bank they said they had debited my account {$440.00} bc they never recieved a response from Fifth Third Bank and they told me I would have to call the owner of the ATM and try to get a refund. I contacted Fifth Third Bank first thing Tuesday morning and explained the situation. I was told the manager was on vacation and was given an XXXX number to call. Upon calling the XXXX number I was told they ca n't give me any info I am not their customer ... I then called the bank back and explained again I need this money I am a single mother and this is a lot of money ... I kinda felt like I was just blew off when I got the response " I will have to pull all the records for each transaction that day and it 's probably going to take at least a week for us to figure anything out and I will call you if I find something out next week. '' I have tried to call again and no one will speak with me I just get " she 's working on it and will call you back when she figures it out '' I have also called the reginal mananger and left several voice mails that have not been returned. It seems to me that ATM have camera 's and they should have a log of each day 's transactions and end of day balances. I am not understanding why it is taking them so long to look up infomation that should only take hours to find.
Company Response:
State: KY
Zip: 42431
Submitted Via: Web
Date Sent: 2015-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a XXXX mortgage with Fifth Third Bank. I pay more than the min payment each month. I also send in a small payment after I make my primary payment for the month. I specifically write both on the memo line of my check and on the mortgage statement " principal only ''. Every time I do this Fifth Third Bank applies my extra payment to principal. I then have to go through the exercise every month of calling them and making them reverse it. I do n't understand why if the loan is current and the payment has been made that month I can not make a principal only payment.
Company Response:
State: WI
Zip: 537XX
Submitted Via: Web
Date Sent: 2015-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-03
Issue: Settlement process and costs
Subissue:
Consumer Complaint: In XXXX of 2015 I approached XXXX XXXX, a loan officer at 5/3 bank, XXXX XXXX location about a home loan. I was preapproved and located a home I wanted to purchase in XXXX of 2015. The initial phases of the loan went smoothly but as the loan entered the final stages of underwriting we were given unclear information about the nature of necessary repairs. It took several weeks to receive clear information about how the nature of said necessary repairs should be done. I spoke with XXXX XXXX, a Mortgage Processor with the corporate headquarters of the bank as well. Neither she nor XXXX gave us clear information until much time had passed. Once we were given clear guidelines said repairs were completed and the home loan was given the formal " clear to close '' and a closing date was agreed upon by all parties. The day following our clear to close I spoke with XXXX XXXX to see what the next step of the process was. I was informed that our loan had been randomly selected for a quality control check. I was told this was to ensure that the loan processors had done their job correctly. I was told nothing was wrong. It would just take a bit longer and that i would still be able to close on time without any issues. The following afternoon I received an email from XXXX XXXX stating that our closing date was now tentative and may have to be postponed. This was due to the quality control staff having an issue with the aforementioned repair. XXXX stated that he had sent a rebuttal to the quality control staff the day before ( the same day I spoke to him and was lead to believe there were no concerns with my loan ) but they had yet to respond so closing may need to be postponed. I feel that we were mislead in multiple instances during this process. Firstly, we were lead to believe by the bank at large that our loan was fully processed and ready to be closed upon, when in actuality this was not the case since we were then sent to quality control and no longer allowed to close. We were also mislead be XXXX XXXX personally as I was specifically told nothing was wrong with our loan being sent to quality control, when in actuality he was already aware of the potential repair discrepancy and did not disclose the issue to me.
Company Response:
State: KY
Zip: 40503
Submitted Via: Web
Date Sent: 2015-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-30
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I am the XXXX XXXX for the City of XXXX XXXX. A resident, XXXX XXXX, came to see me last week to discuss a concern related to obtaining a fixed rate mortgage on his home to replace a home equity line that has an adjustable interest rate. Last year, XXXX XXXX obtained a home equity line for {$75000.00} for the property he owns at XXXX XXXX XXXX in XXXX XXXX, OH. The property has no other mortgage or lien against it according to XXXX XXXX. He visited our local Fifth-Third branch to apply for a mortgage loan, but he was denied, because based on a drive-by appraisal, Fifth-Third determined that the home had a market value of {$44000.00}. In 2014, the home received an appraisal of {$94000.00} at the time the home equity line was opened. XXXX XXXX 's credit score is XXXX. He has recently improved his property with a new roof and windows. The property is well-maintained and owner-occupied. We believe that XXXX properties were used as comps in the appraisal. Property values in the area have increased over the last three years. There have been XXXX new homes constructed on XXXX XXXX XXXX street in the past XXXX years which have sold for over {$160000.00}. The City has seen an increase in the number of low-ball appraisals in the past few years which cause our residents to be unable to refinance loans or obtain new loans. In our opinion, this is a form of redlining, and it is causing disinvestment in our community. The city is in the process of undertaking an analysis of our XXXX data which will be released in XXXX. Preliminary results suggest a large discrepancy between deposits and lending in our community.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2015-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-30
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: I am writing because i received a letter from the united states office of personnel management.XXXX. That state 's that they recently became aware of cybersecurity incident affecting it 's systems that Compromised my personal information, Name, Social Security Place of Birth and or current or former Address.That leave me to Think that monies in my account are being taken.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2015-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-30
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I sold my car, sent the payoff to the bank via certified mail on XXXX XXXX and they received it XXXX XXXX. Today is XXXX XXXX, and my buyers are allowed 30 days to title/license the car they bought, but they need release from the lien to show the title is clear. The lien release was delivered to me by mail on XXXX XXXX. I called the bank today because the last time I talked to them they said they would be mailing a new title, so I called to say the title is not here and late fees are going to be assessed against my buyers. I learned today that being told I would receive a title was a mistake, I will only be receiving the lien release letter and that 's all I need. I 'm not concerned about that mistake, but mention it because if I had n't called the bank today to say today is the last day and I still do n't have it, I would n't know I 'm not going to get a new title and I would still be waiting for it, which would impact my buyers. I 've called the bank XXXX times during XXXX about getting the required documentation for my buyers. I mailed the payoff on the XXXX, they received it on the XXXX, they posted it on the XXXX, they allow 10 business days to clear the cashiers check I sent them, they mailed the lien release letter on the XXXX, and it arrived on the XXXX. This allows 1 day to get it to my buyers, who are at work, and XXXX minutes away, and the DMV closes at XXXX, so they 're going to pay late fees. I explained this to the bank on XXXX occasions, talking to XXXX and XXXX, and then talking to XXXX supervisors on separate occasions ( XXXX and XXXX ). They all acknowledge that the process was executed by the bank without mistakes and that the end result is that the title does n't get here it time. No one would take the initiative to at least SAY that it 's a problem for the customer, they 're established process that was executed without error did n't allow the customer to get the required documentation to the buyer within the 30 days allowed by state law to avoid late fees. THAT 's what I 'm complaining about. They KNOW this and are n't doing anything about it. When they told me last week the letter was mailed on the XXXX, they said it would take 10 business days to get it. They KNEW at that time I would n't get it in time. They could have changed their shipping method to get it here quickly. The problem is they know their process did n't work for the customer and they acknowledge this but do n't volunteer to improve the process. They do n't like regulation, but there 's a reason for it, and this is an example. Apparently they need to have a regulation to require them to execute a process that allows the customer to receive the required documentation in time to comply with state law without having to pay penalties.
Company Response:
State: MO
Zip: 64157
Submitted Via: Web
Date Sent: 2015-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-30
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: I am the family member of the person this agency is attempting to contact. They have called me more than XXXX time. They asked me to deliver a message to my family member. They have admitted that when they call me they do n't even know who I am, but they continued to call. They interrupt my work and my personal life with these calls. I was called more than once by the caller " XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX have received multiple calls from XXXX which I also believe to be for the same purpose.
Company Response:
State: IN
Zip: 47403
Submitted Via: Web
Date Sent: 2015-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No