Date Received: 2015-08-15
Issue: Settlement process and costs
Subissue:
Consumer Complaint: In XXXX, I was told to contact XXXX banks to see if I could get financing because they did not want to refinance my loans. If I could not find a bank to refinance my loans then they would see what they could do. In the meantime I had to pay whatever monthly interest they assessed. Who would do this? I did find a bank that took on all of my loans except one. I recently applied for a job that required a credit check. The mortgage loan was purchased and paid in full in XXXX. However, it appears that the bank that received payment and have a XXXX balance is now stating that this mortgage is still in foreclosure which is incorrect. The loan did get paid and the bank have a XXXX balance where payment was received but it is listed as a foreclosure when it is not. I would like for this to be taken off of my credit report. I was told that it was the fault my current lender. How could that be when the balance was given what was owed and they received payment? I reviewed that status on the credit report and it will remain on my report until XXXX? How could that be when the mortgage account was paid in full and the current bank is holding the mortgage? Please help and explain to me how this can be removed off of my credit report when the bank in question received full payment. Thank you
Company Response:
State: MI
Zip: 49022
Submitted Via: Web
Date Sent: 2015-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I paid off my equity loan and ask the bank employee to close my account. Also there was an overpayment of {$1000.00}. It happened in XXXX XXXX of 2015. It has passed a month without a refund of the overpayment when I went personal to the bank branch to ask for the refund. XXXX XXXX, the personal banker called the department that handle it and he was told that a check have been sent to my address, but if I have not received it, they will place an stop paymen t in such a check and issue a new one. So far I have not received the check, but continue receiving the bank statement, that mean my account have not been closed as I requested and the overpayment check has not been made. The bank account is # XXXX, Fifth Third Bank, North Carolina
Company Response:
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2015-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-05
Issue: Other transaction issues
Subissue:
Consumer Complaint: Fifth Third Bank completed only one of 5 requests for transfer of funds with bogus reason. Charges fees for each transfer & commits the petty fraud of not providing the service, being a not-yet-ready for the Big Leagues of XXXX, where major fraud can be committed with impunity -- -5th Third, still only a junior partner in ruling the corporate criminal state. " This is to notify you that the external transfer request referenced below has been canceled due to service is currently not available for the selected accounts. ''
Company Response:
State: NM
Zip: 88001
Submitted Via: Web
Date Sent: 2015-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am writing on behalf of my real estate client XXXX XXXX. He is currently being reviewed for a Short Sale XXXX originally submitted in XXXX XXXX. The lender and their attorney refuse to continue the Trial Date XXXX XX/XX/2015 XXXX Despite being in receipt of a complete loss mitigation package. Evidenced by the emails attached, the Law Offices XXXX XXXX XXXX has been in active communication with 5th 3rd Bank and their attorneys. Evidence has been provided including copies of emails between the law firm and the attorney of record representing the lender. Despite clear evidence the file has been submitted to the lender XXXX XXXX XXXX, XXXX. of XXXX XXXX, XXXX. refuses to join the defense attorney 's motion to continue the trial ( see attached email XXXX This is a clear violation of the my clients rights and perfect example of dual tracking. The evidence is quite clear a short sale offer is currently being evaluated at the same time the lender is trying to push my client into foreclosure. XXXX XXXX for XXXX XXXX Bank XXXX see attached emails ) has actively been engaged with XXXX XXXX XXXX legal assistant XXXX at the law offices XXXX XXXX XXXX XXXX closing attorney ). I ask you please demand this trial be postponed and the lender uphold their responsibilities to the CFPB and review my client for Short Sale.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2015-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-04
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit. These inquiries were done without my knowledge, authorization, consent and or signature.
Company Response:
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2015-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-04
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: In regard to the EFTA ( Electronic Funds Transfer Act ) and EFT ( Electronic Funds Transfer ) : When I use a payroll advance, the repayment is in the form of an Electronic Funds Transfer. My direct deposit paycheck is immediately taken ( seized ) and applied to my outstanding payroll advance. As explained below, this is in direct violation of the Electronic Funds Transfer Act, Regulation E. My money is taken when I some amount of time to repay it. I could have 30 or 40 days left to pay my advance back to the bank. This often leaves my account at a {$0.00} balance. There are often overdraft fees associated with my account, when I technically have use of the payroll advanced funds for usually 30 to 40 days. I am left with no discretion as to paying back this advance. Fifth Third Bank knows they will get their repayment. This is not just a complaint for myself. This is for all Fifth Third Bank customers stuck in this payroll advance circle. If customers were allowed the entire 45 days, it would assist them in getting out of this situation. I believe these payroll advance products are predatory due to the facts I 've listed above and are not intended to help the customer, but trap them. A violation occurs when your are forced to sign away your legal rights provided by EFTA to obtain a payroll advance. A violation of the Electronic Funds Transfer Act, Regulation E occurs when the bank makes it a condition for an extension of credit that repayment will be by means of preauthorized EFT. This is disallowed except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. See excerpt of the EFTA below. VI. Other RequirementsPreauthorized Transfers-Section 205.10Compulsory use. The financial institution may not make it a condition for an extension of credit that repayment will be by means of preauthorized EFT, except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. ( Section 205.10 ( e ) ( 1 ) ). The financial institution may offer a reduced APR or other cost related incentive for an automatic payment feature as long as the creditor offers other loan programsfor the type of credit involved. ( Staff Commentary 205.10 ( e ) ( 1 ) -1 ).
Company Response:
State: KY
Zip: 41071
Submitted Via: Web
Date Sent: 2015-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-01
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: Saturday, XXXX XXXX, 2015 I deposited {$400.00} cash into my checking account at the ATM to find I was - {$570.00}. I began contacting the merchants and I was advised to contact my bank. Monday, XXXX XXXX, I contacted 5/3 Customer Service regarding these charges ( they are not open on the weekend ). I did not make these purchases at XXXX. I then questioned the validity of other charges as I knew something was wrong. Tuesday, XXXX XXXX, I called 5/3 to open a dispute for unauthorized purchases on my checking account. I followed the protocol. My card was canceled and I received a new one on XXXX XXXX, 2015 and was now able to access my account online. The provisional credits had been reversed. I contacted 5/3 ( XXXX ). I was told that these credits were reversed because I was unsure of one transaction, so the investigator concluded that I must have had the card in my possession the entire time and that all of these charges were valid. No sales receipts, were retrieved or requested, no merchants were contacted. I was informed that the case can not be reopened or investigated and that the only option left available to me was to file a police report ( more than a month later ) and submit it to 5/3 Bank. The chances of any decision in my favor however, were very slim. When I asked why I was not informed of the police report initially, I was told because it was not mandatory. If I had been informed, I would have filed a police report. I asked to speak to the investigator but was told they do n't talk to customers and that they do n't have phones. I do n't know if my card was taken out of my purse or home and returned, was a counterfeit card, stolen, related to a security breech, etc. Wednesday, XXXX XXXX, 2015 I received a list of disputed items with no explanation attached and I received a second notice dated XXXX XXXX, 2015 stating that {$230.00} will be debited from my account on the same date of the notice, XXXX XXXX, 2015. To be in compliance with the EFTA ( Electronic Fund Transfer Act ) I must have received notification no later than XXXX XXXX, 2015 these funds would be deducted from my account. The credits for the unauthorized charges were reversed and deducted from my checking account XXXX days prior to receiving any notice. Not only is this not in compliance with the EFTA XXXX day notice prior to the reversal of credits, I received it XXXX days after the funds were taken from my account AND the notice ( attached ) states that the funds were to be deducted the same day of the notice. I have been provided no proof of these unauthorized charges as mandated by the EFTA, Regulation E. The FCBA ( Fair Credit Billing Act ) mandates procedures for disputed items. Included are charges for which you ask for an explanation or written proof of purchase, along with a claimed error or request for clarification. The creditor must explain to you in writing the corrections that will be made to your account. If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. I requested but never received proof of these purchases, no clarification, no receipts, no documents, etc. The Customer Service rep also informed me that no merchants were ever contacted. The FCBA mandates the creditor must acknowledge receipt of your dispute in writing within XXXX days.. The FCBA mandates that any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, even if the bill turns out to be correct. The EFTA, Regulation E, requires a summary of a customers potential liability in writing for unauthorized transactions and its policy for resolving unauthorized transactions.
Company Response:
State: KY
Zip: 41071
Submitted Via: Web
Date Sent: 2015-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-30
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Consumer Complaint: XXXX weeks ago I got a phone call from a collection agency and I asked them nicely not to call my work. The following week he called my job again and left a message for me to call him. I called him back and told him the exact thing I said the week before. Yesterday I receieved a message at work from my boss that a lady called me and I did n't have time to call her. Today she called me again and gave me the same reference number as the man gave me. I asked her not to call my work. I am not allowed personal calls then she threatened to serve me papers at work if I did not call XXXX Ref # XXXX and speak to them. I called the number and ended up getting in a screaming match with the man because I felt like he would n't prove to me the paper work that was sent to him from the original collector. He was very rude and threatened me with turning me into the check card place to have me arrested. I was not saying I would n't pay what I owe I just wanted prove. I did offer him {$500.00} to clear the debt today and at XXXX he said yes. He put me on hold and came back with {$670.00} today and I told him I did n't have it. So thats when I wanted prove of all the paper work they had. They are claiming I owe {$1500.00} for Fifth 3rd Bank from 2012. I told them I needed to contact the bank first to see why I owed this and he got very angry so I hung up on him.
Company Response:
State: FL
Zip: 33547
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-30
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I received multiple calls from 5th third bank without a voicemail or any request for a call back from XXXX. I finally had the chance to answer at XXXX on XXXX ( Sunday morning ). At that time, the representative told me that I was being charged interest at a rate that was never disclosed to me in writing or verbally at the time of financing my vehicle at the dealership. Told the representative that I had an electronic bill payment already scheduled for XXXX. At that point, representative told me that It would likely take at least 5 business days for them to accept the electronic payment and at that point I was told that if I wanted to avoid those fees and past due account, I was required to pay with her at that moment on the phone. So I complied, to avoid a late payment. I could not cancel my online bill pay from my own account ( XXXX ), and so I was XXXX charged for XXXX payments. I contacted XXXX who verified that they would flag the transaction as a duplicate bill pay and have the money retracted. Upon contacting 5th third bank on Monday XXXX, I informed the rep I spoke to that I wanted to have my payment amount refunded and she said she would order the request. After this, I finally put in touch with a manager named XXXX. He said that he would request that the overpayment amount would be wired to me no later than XXXX. On XXXX when the amount did not ever appear in my account, XXXX verified that he would look into it, and then on Friday XXXX he left me a voicemail that the money had been sent to me via check. In the meantime, XXXX had reversed my XXXX bill pay and the money was back in my account. On XXXX I received a check from 5th Third Bank in the amount of 1 month 's bill pay ( XXXX ) which I did not cash. Between XXXX and XXXX I received roughly XXXX calls at work from 5th Third Bank with no voicemail or call back information. When I returned the call, I was told that my account was past due for the amount of XXXX. I was put in touch with a Bill Pay representative who explained that because the check was mailed they had removed my original payment amount from my account. I explained that I had not cashed the check. At that point the representative, XXXX, informed me that he would not argue about the " Symantecs of cashing a check ''. At this point I asked for a paper copy of my contract to be sent to me, he explained how a simple fee loan worked and explained that the only paperwork I would ever have regarding my loan was somewhere on the contract I signed with the dealership at which I purchased the vehicle. He also explained that my only recourse was to physically go to my bank and cash the check 5th Third Bank had sent me, then call them back and make another payment, to bring my account up to date. Throughout the entire process I have requested a copy of my contract with 5th Third Bank multiple times on XXXX, XXXX, and XXXX. Each time I have been told that they will not/ can not provide that to me. When asking one representative on XXXX where in my paperwork I could find the daily interest rate they were charging me after payment due dates, I was told " you should n't have signed the papers if you did n't read them ''. I still have not received a copy of the terms of the finance, or a contract from 5th Third Bank. I am extremely concerned that this will effect my credit rating, and will report on my consumer credit report. I have been shocked at the extremely unethical, incompetent, and unprofessional conduct and tactics used by every single member of this organization.
Company Response:
State: MN
Zip: 55076
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-29
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: THERE ARE XXXX INQUIRES ON MY CREDIT REPORT AND SHOULD ONLY HAVE XXXX AND THEY HAVE FAILED TO SEND ME PROOF FORM THE INQUIRES
Company Response:
State: NC
Zip: 27107
Submitted Via: Web
Date Sent: 2015-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes