Date Received: 2015-06-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was making regular payments to my home mortgage for a few years. My loan was eventually transferred to fifth third bank. I setup automatic payments through my bank. Fifth Third bank did not have an online payment method for non-checking account customers. At some point without my knowledge, my total payment due changed and the previous amount I setup did not cover the full amount. The bank did not apply my partial payment and stated I was late. I called Fifth third bank to rectify. They waived the late fee and said they would work on removing the record from my credit statement. I was able to immediately make the missing balance payment and have not been late since. My credit score has been severely negatively affected by this.
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2015-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: To whom it may concern. My father passed away in XX/XX/XXXX. I purchased his home from the Estate. He had a Mortgage with XXXX XXXX Bank. I was able to assume the mortgage and have it placed in my name. He also Had a home equity loan with Fifth Third Bank. Fifth Third Bank refuses to place that loan in my name, but if I refuse to pay the loan they threaten to place a lien on my home. I bought the home because it was modified for my father who was XXXX. I to am XXXX, so the home was easier for me to manage. I feel that Fifth Third Bank is blackmailing me. I have asked them to place the loan in my name, but they refuse. So in turn ; I have been paying on a dead man 's loan for almost a year now. I feel this is wrong. Either place to loan in my name or dismiss it. Any advice would be appreciated. XXXX XXXX
Company Response:
State: OH
Zip: 43130
Submitted Via: Web
Date Sent: 2015-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-28
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: My bank account has clearly been infiltrated by a thief. Today, while on vacation, I checked my account online. There is a record of all withdrawls i have made within the last 7 days. There is a deposit made by my employer. The amount of money in the account is short the exact amount of the employers deposit. That is the second time this month that money has been shorted from my bank account with FifthThird Bank. I need to switch banks and I would like to get that money back.
Company Response:
State: MO
Zip: 63303
Submitted Via: Web
Date Sent: 2015-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-25
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I had a car loan at FifthThird bank in XXXX Indiana. I sold the car myself, took cash to the bank and paid off the loan. FifthThird then told me that it is their policy to make the car Title available within XXXX days to XXXX weeks after the loan is paid. This nearly caused the buyer to back out of the sale. I contacted numerous people at their headquarters and was told basically the same thing every time. No. No matter what the circumstance, even with confirmation of the loan pay-off from their branch manager and their computer system, they would not simply pull the title from their files, sign off on the lien and put it in the mail to me within a day or two. Their policy and actions are completely unnecessary and uncalled for. Consumer beware.
Company Response:
State: IN
Zip: 47201
Submitted Via: Web
Date Sent: 2015-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On 2012 i purchased my house for {$820000.00} XXXX XXXX time home owner ) and later on i found out that is only worth {$400000.00} I want some XXXX to investgate this as is very unfair that i have a loan for {$800000.00} if the house is only worth less than {$400000.00} Please feel free to contact me if you have any questions.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2015-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: FIFTH THIRD BANK HAS TELEPHONED ME TO INFORM ME THEY HAVE BEGUN FORECLOSURE PROCEEDINGS. I HAVE NEVER MISSED A PYMT OR BEEN LATE. THEY CLAIM I AM IN DEFAULT BECAUSE I ADDED MY MOTHER TO THE DEED OF MY HOUSE AND ALSO BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN. THEY ARE DOING THIS BECAUSE I CALLED THEM AND INFORMED THEM THAT I BELIEVE THERE IS A MISTAKE SOMEWHERE. I INFORMED BANK THAT MY CURRENT STMT SHOWS I STILL OWE $ XXXX AND ITS SUPPOSED TO BE PAID OFF IN XXXX XXXX. THEY STATED I HAVE A TERM LOAN WITH A BALLOON PAYMENT BUT THEY LEFT OFF THE AMOUNT. THAT IS COMPLETELY NOT TRUE. I WAS SUPPOSE TO GET AN XXXX YEAR LOAN WITH FIXED RATE. NO WHERE ON MY LOAN DOCUMENTS DOES IT SAY I HAVE A BALLOON. IT STATES I HAVE A PREPAYMENT PENALTY ... THAT WAS CLEAR. MY PAYMENT TERMS ARE : FIXED RATE 8.44 %, DUE XXXX/XXXX/XXXX. THIS IS STATED ON ALL MY DOCUMENTS ... THE PYMT AMOUNT, INTEREST, THE NUMBER F MONTHS XXXX ... BUT NO WHERE DO I OWE ADDITIONAL MONIES. BANK CLAIMS I OWE THEM SOME UNDISCLOSED AMOUNT PROBABLY XXXX XXXX. SO THEY WANT ME TO REFINANCE IMMEDIATELY AND CHARGE ME A PREPENALTY FEE BECAUSE THEY WANT TO FORECLOSE. THE MADE A TERRIBLE MISTAKE SOMEWHERE AND WHEN I BROUGHT IT TO THEIR ATTENTION THEY WANT ME TO GET THEM MONEY I DONT HAVE OR THEY TAK E MY RESIDENCE. THIS IS UNFAIR, DECEPTIVE AND UNETHICAL. BALLOON PAYMENTS ARE A MATERIAL ITEM THAT SHOULD HAVE BEEN DISCLOSED TO ME. IT IS NOWHERE. IT WASNT MEANT TO BE A BALLOON THAT WHY THEY CANT FIND IT, BUT THEY WANT XXXX TODAY. IN FACT, THE MOST RECENT PHONE CALL THEY INFORMED ME THAT UNLESS I TELL THEM WHERE THE MONEY IS COMING FROM, THEY WILL PROCEED WITH FORECLOSURE AND APPRAISALS, ETC. OF COURSE, FEW DAYS LATER, AN APPRAISAL CAME IN. FIFTH THIRD BANK IS TAKING NO RESPONSIBIITY AND IN FACT IS TRIYING TO RUN ME OUT OF MY RESIDENCE BY SENDING ME LETTERS FROM LAWYERS AND CALLING ME WITH THREATS. I HAVE CONTACTED SEVERAL OF THE BRANCHES AND THEY ALL SEEM TO HAVE THEIR HANDS TIED. I GUESS THE BANKER IM SPEAKING WITH IS LIKE A XXXX. NO ONE CAN GET PAST HER. I HAVE BEEN TOLD THAT THEY WILL STOP ACCEPTING MY PAYMENTS. NOW THAT WORRIES ME ... BECAUSE MY PAYMENT MADE ON XXXX/XXXX/XXXX STILL HASNT CLEARED ... ITS XXXX. AND WHEN I CALLED FIFTH THIRD BANK THEY DONT KNOW WHY .... SO I GUESS THIS IS THE BEGINNING OF THE FORECLOSURE. THIS DOESNT SEEM POSSIBLE, AS I NEVER MISSED A PAYMENT ... THIS IS A COVER UP.. LASTLY, WHEN I WENT TO ANOTHER FIFTH THIRD BANK ... THEY TOLD ME I WASNT IN DEFAULT JUST ADDING MY MOTHER TO THE DEED, IT IS BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN? ARE THEY KIDDING? THEY ACCEPTED MY PAYMENTS NOW FOR OVER XXXX YEARS SINCE MY BANKRUPTCY. I HAVE BEEN TRAUMATIZED BY FIFTH THIRD BANK AND THE THREATS OF FORECLOSRE. I DONT WANT TO LOSE MY HOME.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-16
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On XXXX/XXXX/XXXX, I obtained a loan to purchase a XXXX from fifth third bank in the amount of {$200000.00}. The loan was secured by my residence and they obtained XXXX mortgage on the residence.. My loan is a labeled as a Commercial Term Note with Fixed interest rate of 8.440 %. My payment is {$1900.00}. The effective date of loan is XXXX. The maturity date of the loan is XXXX/XXXX/XXXX. My payment schedule is suppose to be Principal & interest due on the XXXX of each month beginning XXXX/XXXX/XXXX. There is also a 1 % prepayment premium to any prepayment check. I believed my loan would be paid off on XXXX/XXXX/XXXX. A recent statement shows I still owe $ XXXX. I called Fifth Third Bank and explained there was an error. They informed me I have a balloon payment due. And XXXX months later, they are now calling me and telling me that they are beginning foreclosure proceedings against my residence as they claim I am in default for putting my mother on my house with me and furthermore they claim that since I filed bankruptcy back in XXXX and did n't file to renew the loan ... I am in default and being foreclosed. I have never missed a payment or been late. In addition, I have loan documents and it was NOT A BALLOON LOAN. NOWHERE DOES IT SAY IT IS A BALLON LOAN.. If there was a balloon I would suspect they would have included it somewhere on my documents. It is nowhere. But the prepayment penalty is clear. I believe that the bank has been deceptive and misleading. And they failed to disclose a material item like owing over $ XXXX. They are calling and asking what I am doing about it and asking where I am going to get the money. They told me they want the loan paid off now and that if I do n't inform them soon on where I am getting the money to pay them off, they will continue foreclose proceedings against my residence. This is unfair and deceptive.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2015-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-14
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: An unauthorized debit was made on my debit card. In another state. Same day debit was made by me in my home state. Looking at the timeline it 's obvious I could not have made the purchase. I requested a new card and disputed the claim. The bank has denied and will be redebiting my bank account.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-11
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I was charged a {$50.00} overdraft fee in XXXX of my checking accounts by Fifth Third. I feel that {$50.00} is an egregious amount. Furthermore, I have XXXX other checking account, a savings account, and an equity line of credit that all could have been used to cover the funds. I just do n't understand why they ca n't take the funds from other accounts that have thousands of dollars in them. Yes, I did accidentally write check and forget to do an internal transfer from savings to checking but I feel like there should be an automatic linking of accounts. According to the paperwork when I received the debit cards for the checking account the accounts are linked to my savings. I may have misunderstood the linking of accounts but {$50.00} is ridiculous especially when I have plenty of money sitting in other accounts to cover the check that was written. I also have XXXX mortgages with Fifth Third.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-11
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Consumer Complaint: I have received numerous calls from XXXX among several other numbers but this is the most recent. Several months ago i was receiving these calls also but I impolitely told them DO NOT CONTACT my family as they have recently done also. They did not call back until today. They contaced my mother and stated it was urgent I contact them that they are just trying to help me. I decided to call them back. They claim to be XXXX out of XXXX, GA. They went through this whole spill and sounded legitimate so without thinking this through obviously I gave them my card number to pay the debt because I in fact owe this. After I did this, I then recall my previous conversations with them several mos back and they were rude and making sound as if I were going tpo jail. STUPID me, so I then called and cancelled the card that I had released the info on. These people are harrasing and I would like to know what I can do and whom I can contact to report this and I would like to take action against them if this is not a legit company for harrassment. Any advise you have will help ....
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2015-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No