Date Received: 2023-07-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello, We have a mortgage with Fifth Third Bank of Cincinnati. We've had the mortgage since XXXX of XXXX. I'm an engineer in the tech field and experienced a XXXX layoff this year. During that time, we became behind on our mortgage. I returned to work several months ago but have been unable to come to a resolution to begin making payments again toward my mortgage. I'm more than capable of resuming payments plus adding some of the arrearages to my normal monthly payment. I have been working through an online system called the " XXXX XXXX XXXX '' in which I submit my application, upload documents, and exchange messages with Fifth Third employees. I am now on my third iteration with this group. I provide all required documentation ( pay stubs, bank statements, hardship summaries, list of household expenses, etc ) By the time Fifth Third looks at the documents, they state I'm over the allocated time. Fifth Third then closes my application and requires me to start again. This has been going on for 3 months and counting. Call their mortgage department takes anywhere from XXXX minutes to XXXX hours to reach a person. If you call during busy periods, they require you to leave a voicemail which is never returned. ON XX/XX/XXXX, we received a foreclosure notice of a court filing. We are in desperate need of help. We've been paying Fifth Third interest on this mortgage for 16 years. We want to keep our home.
Company Response:
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After receiving a copy of my consumer report, I concluded that XXXX Fifth Third Bank Acct # XXXX Violated 15 U.S. Code 6802 Rules of Construction for VIOLATION OF SECTION ( b ) OPT Out section ( B ) ( C ). ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN XXXX financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In addition, XXXX continues to re-age this debt by reporting recent payments that has not been applied.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX I received a notice from Fifth Third Bank that an additional card was opened on my credit card account. I did not order this card. I did not authorize anyone to order this card. Neither I nor anyone in my family received this card. Various charges started showing up on my statement : {$480.00} total ... there were 9 different charges from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I contacted Fifth Third Bank to report this problem and cancel my card. How charges incurred on my account after I closed the card ; that I do not know? I was given a case number. After not hearing anything, I followed-up in XX/XX/XXXX with the Fraud Department , it was discovered that the agent who originally inputted the data did so incorrectly. Corrections were made to the data, totals and dates and the case was resubmitted with a new case number. In XX/XX/XXXX I followed-up. Now I have incurred several months of interest and fees based off the original fraudulent charges, my account is unusable and my credit score is being damaged. The bank said I was responsible for the charges because a card was present during the disputed transactions. I brought to their attention that someone had ordered an additional card on my account ( not me nor anyone in my family ) without my permission... I evacuated that month with with XXXX XXXX - XX/XX/XXXX, I was not home for 10 days and it is possible my information was compromised. I have discovered numerous cases of mail fraud in Florida ; some of these mail fraud rings were very sophisticated and took place across several states ; yet Florida had convictions. All of these fraudulent charges that appeared on my account took place in locations were I do not live nor visit ( several being out of town and in other states ). I have continued to dispute these charges and make my complaint to Fifth Third Bank. They keep telling me that a card was used and I am responsible. I did not make these purchases, my account was compromised and there was mail fraud. It is possible someone ordered and took the card out of the mail before it ever got delivered, or someone took it from my mailbox??? I do not know how this happened ; I only know that I did not make these purchases. As I pointed out on day # 1, somehow someone ordered and used a new card that was not authorized. I have continually reached out to my bank 's fraud department for help and have not received assistance while being insulted by them for not believing me and not helping me. I have been a customer with this bank for over 12 years. It is now XX/XX/XXXX... I have incurred financial loss : the original principal, 11 months of accrued interest and fees plus the inability to use my account since the balance has gone over the limit with these incurred unwanted charges. Losses are now totaling over {$1000.00} plus my credit score has been damaged, my name has been insulted and my family has incurred emotional distress ( unsure how we will pay our bills or buy food ) and financial hardship due to this account being compromised and the issue still has not being resolved. This was the account we bought food and paid for needed things plus bills. This situation has hurt my family and has put us into financial hardship. Please help us. Thank-you.
Company Response:
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have received several communications from XXXX XXXX XXXX in XXXX. On XX/XX/XXXX at XXXX, I called the company regarding I letter received from this company post bankruptcy. I was transferred to the case manager who hung up on me XXXX and informed his staff to stop taking my calls when I tried to call back ti provide company with Bankruptcy case number to notate for there records and pass along to the correct attorney to update. I previously spoke to the case manager XXXX, who claims ti be the Director of the company on XX/XX/XXXX and informed him of the filing and ti stop all communications. XXXX at XXXX XXXX XXXX was very rude, unprofessional, and continues to harass me with letters and calls post bankruptcy. I will also be bring this matter to the court 's attention. The court has as much an interest in creditors following the law by not contacting folks in bankruptcy as I do
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have repeatedly emailed and called my mortgage provider ( Fifth Third Bank ) numerous times over the course of several months requesting the removal of PMI. I have submitted the paperwork providing permission in XX/XX/XXXX after sending in the extensive renovations that have been completed since closing in XX/XX/XXXX. This request has been made under " Substantial XXXX. '' The Contract price of the home was {$330000.00} with {$5000.00} credited at closing to buyer. The appraisal at the time of closing came in at {$360000.00} ( the home was distressed ) I placed 5 % down borrowing $ XXXXThereafter I placed {$100000.00} renovating the interior and exterior of the home and provided this list to Fifth Third months ago. A member service rep only calls me to request I send in paperwork that I have already submitted to the same email address they provide! Current market value is estimated between $ XXXX {$430000.00}. Current payoff is {$300000.00}. They are reluctant to remove this unjustified fee.
Company Response:
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: We entered into an Agreement with XXXX XXXX in XX/XX/XXXX for a new roof and solar system. The project was supposed to be 3-6 months and we are at 9 months now with no completion. They damaged our house on roof install and will not fix despite having a warranty. The solar panels are non operational as of XX/XX/XXXX which they have known since install at XX/XX/XXXX yet they were paid by Dividend finance for a completed project, and we are having to pay the electric bill and pay Dividend the financing of the system that does not work. They have stated they are short staffed and can't fix timely. We are unable to get any other person to speak with us besides who sold us the XXXX system. The finance company does not care if the system works, they stated it is not part of their process to ensure it functions prior to payment. We have attempted for months to resolve with XXXX with no success. I am afraid if we don't pay the loan for a lemon system and a servicer who is in breach of their servicing agreement my kids and I will lose our house. I feel like we were completely taken advantage of and misled by their products and services. They stated to us that they are going through transitions and have staffing issues, but I feel we have no recourse, and no one cares that they are misleading consumers and not fulfilling their end of the contract. I am looking to trying to obtain legal help but this company is fraudulent and using misleading and outright lies about their products. Other consumers should avoid them at all costs. I have months of emails of us trying to resolve issues to no avail. Below is the cert and licensing numbers Cert # : XXXX Cert # : XXXX Cert # : XXXX HIC # XXXX
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I been dealing with a business account with fifth third bank since XXXX of last year... Since I open my account I had ongoing issues the ATM deposits don't have a deposit date ... they can be in process until they want to... They choose with check to cover having the money in the account.. And I get charge de returned fee to clear up I get the charge money back The square deposits get returned But these last on XX/XX/XXXX XXXX deposit cash at the teller ..my husband deposit XXXX into the account and I also deposit a check in the ATM in Illinois my account was frozen with any notification I Try to sign into the account to transfer for one account into another and I did nat have access I figure out it's because of the weather I call the bank the explain to me is because of the check to go to the near by location and present where the money came from .and I Did but I was mistreated In top of it.. I was told in a sarcastic way was I was doing in Area if I live in XXXX That I counter fit checks.. In addition the last remarks was if I sold drugs.. I walk away Today XX/XX/2023 went to the bank I had open the account with the prove of everything they asked for ... it was send to the investigation department 15 minutes later I was told to bring more XXXX more to the bank to cover a check they returned.. So am out of {$4900.00} and am still waiting on the manager to contacted me... I was told in 24 hrs it's been over that
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XXXX XXXX I bought a used car in XX/XX/XXXX and the financing department of the car dealership got financing with Fifth Third Bank. I immediately went to their website to sign up for automatic payment for my car payment. I printed off the form, filled it out with my bank info and faxed it back to Fifth Third. On XX/XX/XXXX i received a confirmation letter that my auto payments have been set up. On XX/XX/XXXX to be sure my payment would be take on XX/XX/XXXX ( my first scheduled payment ) I did a chat on the Fifth Third bank website with their representatives and after some initial confusion ( on their part ) they assured me that indeed my payment would be taken out on XX/XX/XXXX. Today I went to the website to check on my loan and was met with IT LOOKS LIKE YOU MISSED A LOAN PAYMENT. I have screen prints from XX/XX/XXXX conversation chat I had with a Fifth Third representatives who verified my XX/XX/XXXX payment would go through as it was set up and per my confirmation letter. Today I asked for a supervisor at Fifth Third Bank and XXXX got on the line and said my first payment would be made on XX/XX/XXXX and that I could make a payment now and still be on time because of a " grace '' period. This bank is nothing but a fraud. I have never worked so hard or spent so much time trying to get a payment made on time. I told them I would be contacting the XXXX of Banks to file a complaint and XXXX said " ok ''. ( I now know it's CFPB ) Please help. I did not give them any payment today because they assured me they were taking the payment on XX/XX/XXXX. I want them to do as they assured me and not lie to me. They need to make this right. If they can lie about my XXXX payment, why not lie about my XXXX payment? Meanwhile they will destroy my credit. Thank you XXXX XXXX
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been with Fifth Third for 20 years and have never had a dispute of my debit card being stolen. On Saturday XX/XX/XXXX at approximately XXXXXXXX XXXX I received a text message from the Fifth Third Fraud dept. asking me if I was at XXXX trying to charge {$250.00}. I text back No. I went to look in my purse and that's when I discovered that my wallet was stolen from out of my purse. I immediately called Fifth Third and they told me they have now deactivated the card and they'll mail me out a new one. I asked about disputed any charges and they told me I had to wait until all transactions have cleared before I can dispute the charges. On Tuesday XX/XX/XXXX all charges had finally cleared. I called them to dispute the charges. On that day there were about 10 to 12 charges that cleared. I asked him were they charges from XX/XX/XXXX because I only made 2 transactions that day and told him which transaction they were. He went on to name atleast 8 transactions. I again kept reiterating to him I only made 2 transactions on XX/XX/XXXX before my card was stolen. They sent me a letter denying my claim because they said some of the charges were from before my card was stolen and they couldn't clarify. I called and spoke to a dispute supervisor after reviewing my account and told her specifically which 2 charges that were from the fraud. They said they would open the case back up to review it again. They denied it again because they said they have to base it on the original dispute call on XX/XX/XXXX. They told me that even though they do know that there was fraud and they did text me to let me know about the fraud and they know that I called back in to correct the verified fraud charges that they're decision is final because they have to base it on the call on XX/XX/XXXX and not the call of me correcting the dispute charges which was a XXXX gas station for {$110.00} and a XXXX XXXX purchase of {$250.00}. They blocked the XXXX of the {$250.00}, that's when they text me and alerted me of my card being stolen.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My father had money stolen from his account through fraud. The person who stole it is in jail because of this. 5/3 bank denied my claim saying the transactions were valid.
Company Response:
State: KY
Zip: 40353
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A