Date Received: 2015-07-29
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have a credit card with 5th 3rd Bank on XXXX XXXX, XXXX, FL XXXX. My payments are due on the XXXX of each month. I made a payment of {$60.00} on the XXXX of XXXX, 2015 through my XXXX XXXX XXXX checking account bill pay. 5th 3rd bank claims that they had received the {$60.00} payment, but that it was returned. Now they charged me a late fee. I am on social security and I ca n't afford this late charges, especially since I was not aware that they had returned it. I paid {$60.00} right away, but they wo n't rescind the late fee. This is robbery. Can you help me
Company Response:
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2015-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-18
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: FIFTH THIRD BANK-XXXX. XXXX XXXX XXXX MD XXXX, OH-XXXX ( XXXX ) XXXXItems was removed during successful dispute. Fifth third then put back on credit report and duplicated the account. Now shows two accounts. This is preventing me from obtaining loans
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2015-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XX/XX/XXXX, I entered into an agreement for a FHA loan to purchase XXXX XXXX, XXXX, OH XXXX. My monthly payments were suppose to be {$420.00} per month but were raised to {$790.00} per month. I paid this amount for approximately 43 months when my employer downsized. In XX/XX/XXXX, Fifth Third Bank began foreclosure against me without following the regulation at XXXX CFR XXXX. While I can not make the {$790.00} payment, I 've tried in vain to include XXXX XXXX income as a part of my household and restart the mortgage. Fifth Third has refused to help me.
Company Response:
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2015-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-18
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Fifth Third XXXX is reporting a duplicate account. This is forcing my credit score to be lowered for as they are illegal reporting the same account twice. I have disputed from credit report. I have contacted reporting agencies. This continues to report illegally.
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-17
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: i went in to locate 53rd bank XXXX XXXX XXXX XXXX XXXX, OH XXXX wanting a explanation on why in being charge overdraft fee, they no explanation on what chagers cause the overdraft and why i being charged {$74.00} in fees when the fee should be {$37.00}, spoke with branch manger and she talked on me like i dont keep any record on my account, ask to close my account and was told i could not close my account
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2015-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-13
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened an account with 53rd bank and I made a {$100.00} deposit into that account,2 days later they closed the account, they never sent me my money back and they reported my name XXXX saying I still owed them money.But I did not make one single transaction in this account!!!
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-13
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have a construction loan through XXXX. The XX/XX/XXXX ( XX/XX/XXXX ) I began the process of converting it into a 30 year mortgage with 5/3 Bank. I was given a rate of 3.875 and closing costs of {$2000.00}. I was told on XX/XX/XXXX that because we had financed the home ourselves and not purchased it from someone or from a contractor that the loan would not be considered a " new purchase '' but would be considered a " refinance ''. I got very concerned and sent an email out to the lady that had been handling the loan thus far, XXXX XXXX of 5/3 Bank and asked her to let me know if this would affect my rate at all. XXXX XXXX is Vice President of 5/3 XXXX branch. On XX/XX/XXXX I received an email from XXXX XXXX stating my rate would in fact remain at 3.875. I told her to go ahead with the loan process and the appraisal. I began receiving calls from a mortgage processor, XXXX XXXX, from 5/3 Bank on XX/XX/XXXX. I received a Mortgage Pricing Agreement from her via email that same day stating the terms of the loan with a rate of 3.875 and was told that as of that day our loan had a " locked in rate '' of 3.875 and the closing costs were {$2000.00}. I told XXXX I was getting very concerned about how long this process was taking because we had gotten the certificate of occupancy XX/XX/XXXX and had been moved in since then. We wanted to close ASAP on the loan. She said it should n't be too much longer that it was all in process and they were waiting on the appraisal. The appraisal was done XX/XX/XXXX. XXXX told me it would be back on Monday, XX/XX/XXXX. It finally came back and I received an email from XXXX on XX/XX/XXXX telling me what it appraised at. The home appraised at {$280000.00}. We were told we could borrow 80 % of the appraised value which would put us at {$220000.00}. We were only asking for {$200000.00}. I called XXXX and told her that to finish the yard was going to cost {$6000.00} and the closing costs were {$2000.00} and I would like to add both of those into the loan making the loan total {$200000.00} even. She said it would be no problem because we had not yet reached 80 % of the appraised value. On XX/XX/XXXX I received an email titled Truth in Lending Disclosure Statement in which the details of the loan were spelled out. Again, it listed my interest rate at 3.875 but it still had the borrowed amount listed as {$200000.00}. I emailed XXXX on XX/XX/XXXX and told her to call me ASAP because I did n't want wrong numbers being plugged in to my loan paperwork to cause even further hold up in our closing process. She replied that she was out and asked if it was ok to call me on Saturday morning. XXXX called on XX/XX/XXXX to discuss the loan. She said she wanted to go over my " payment amount ''. When she quoted me what my payment was going to be I knew something was n't right. I questioned what she had my rate as. She told me that my rate had changed to 4.25 % Never once did she volunteer the information until I asked. When I asked why she said it changed when the loan was changed from a purchase to a refinance. I told her I had it in writing that it was 3.875 % as a refinance. She then said well then it is because we had a cash out amount. I told her our original loan amount was {$230000.00} and we had only hit {$200000.00} so that was not the case either. She then told me it was because the appraisal came back lower. I told her we had not even hit 80 % of our appraised value then she tells me that on certain types of refinances they can only loan 75 % of the appraised value. 75 % puts us at wanting to borrow {$210000.00} which we were n't. I told her to just forget it, that we would take the loss of the {$6000.00} and pay it out of our personal acct and we would pay the closing costs too so to go back to the original loan amt of {$200000.00} so that the terms would go back to 3.875. She said they could n't do that, that the terms had changed. What terms? We had a LOCKED IN RATE of 3.875.
Company Response:
State: KY
Zip: 421XX
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Fifth Third did not apply the funds properly to my house payments and {$5400.00} came up missing on XX/XX/XXXX i applied for the save the dream hardest hit funds to save my house and was accepted. XX/XX/XXXX save the dream payed a lump sum payment to fifth third bank then monthly payments till XX/XX/XXXX this i was told would pay me up to date with fifth third bank. that was not true fifth third bank did not pay all my escrow from all the money they received from save the dream funds and now fifth third bank tells me i have to pay for the missing Money of {$5400.00} lump sum or my house payment will increase {$630.00} for 12 months over top my regular house payments of {$1000.00} always included escrow increase to {$1600.00} for 12 months fifth third bank also told me 30 day before i had to start paying my house payments again i could apply for a loan modification to help me stay in my home once again not true XXXX XXXX office from fifth third bank called me wanting me to back out of the modification i told them no i was told that my house payment was going up {$630.00} more a month and he could not explain were the {$5400.00} disappeared at fifth third bank and sense they raised my payment from {$1000.00} to {$1600.00} i was told that he appreciated the over {$30000.00} that was paid to keep my home i was told if i could not afford the {$630.00} increase to get out of the home wanted to throw my family out on to the street XXXX scamming poor people and the state of Ohio by getting large sums of money pocketing some of the money then raising there house payment much higher and then throwing them out of there home with little or no intent to keep people in there homes. ( even though XXXX got there last pay XX/XX/XXXX my math i am paid up till XX/XX/XXXX?????
Company Response:
State: OH
Zip: 44720
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-11
Issue: Unauthorized transactions/trans. issues
Subissue:
Consumer Complaint: There was a double charge of approx.. {$74.00}. Talk with XXXX reps..XXXX rep told me it tooK 8 days for processing ... normally it 's instant..XXXX rep told me there was a system problem ... supervisor would be calling me in 24 hrs ... no call..talked with sup-XXXX..told me I would n't be getting my money. back.help me please.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-10
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: On XX/XX/2014, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with Fifth Third Bank in my name. That day at the dealership, I was given a Fifth Third Bank Note to sign and I was able to leave with vehicle. Waiting for Fifth Third monthly payment statements. I received a demanding letter for payment from a different bank XXXX. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only Fifth Third Bank and the finance adviser at XXXX XXXX never mentioned XXXX. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX. On XX/XX/2014, a letter sent by a Fifth Third Bank specialist, XXXX XXXX stated that my loan application was declined on XX/XX/2014, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined XXXX 's loan offer. XXXX have illegally repossessed vehicle before and there is a case against them that proves that. United States of America vs. XXXX XXXX XXXX. Furthermore, the dealership never asked for the car back, because of a declined loan XX/XX/2014 and I never received any notices of explanation from Fifth Third Bank or the Dealership before or on XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and Fifth Third Bank are still listed on my vehicle title. I also have letters from XXXX contradicting Fifth Third claims.
Company Response:
State: KY
Zip: 40517
Submitted Via: Web
Date Sent: 2015-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes