Date Received: 2022-11-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have a simple question and they will not answer the phone or chat
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have asked numerous of times for my credit report to be corrected. We are in court for foreclosure but Fifth Third Bank is not cooperating with XXXX to prevent foreclosure on my townhome. I am unable to obtain a loan as Fifth Third Bank has put a foreclosure on my credit report. The judge has not ruled in this case. My credit report should not reflect a foreclosure. By the foreclosure being on my credit report I can not purchase inventory for my business. My business is now suffering. This is retaliation for me fighting for my rights. Fifth Third Bank was notified in XX/XX/2022 I was using XXXX to bring my mortgage up to date. In XX/XX/2022 I was served with a summons for foreclosure with fake documents. The note and promissory note I received was not signed off by Fifth Third Bank. This kind of behavior is not in the best interest of the public. How many other cucumbers are going through this?
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I got a voicemail so I called it back and the lady was rude hung up on me twice, and I called back and the lady was really rude again and espically when I told her what my lawyer said which was to ask for an itemize list, she refused and then said well XXXX XXXX have an officer pick u up and then you can have your lawyer meet you there. And she even knew the county I was in. Funny thing is she brought up the man I divorced in 2007. She got quite when I told her I havent talked to him sense our divorce in 2007, and I remarried after him. I asked to speak to a supervisor but she refused and hung twice on me. The voicemail is automated and is a saint compared to the actually people you talk to on the phone. Even the voicemail said it was a civil suit please explain to me if its a civil suit how can they get me arrested. Just FYI what they are doing is against the law. And if ANY debt collector call just say I need itemize list of this bill and they have 14 days to get it to you. If they dont have a. Itemize then DONT give them a dime. It our right that they have to have a breakdown on all the charges and most of time they dont have an itemize because they buy ur debt almost ever time they dont get an itemize list, but people dont know about our rights. They HAVE to give u itemize list and if they dont have it then u dont have to give them a dime. When I find out who they are Im suing the XXXX out them because threaten saying they were going to arrested me and then called back and called me a liar which is funny because I recorded EVERY conversation. And another female called me a liar saying the lady didnt say she was going to have the cops arrested and when I let her know I have all recordings ( thank you XXXX ) then she hung up and I havent been called sense. Werid thing is she said it was from fifth third bank and I owed {$800.00} and that just for today if I pay {$250.00} they would clear the debt. I was like hold up I never owned an account at fifth third. The closest fifth third bank is OVER XXXX mins away. But make sure u know ur right if they keep calling and or threaten u. All of it the number of calls to them being aggressive or say ur going to jail. If any of that happens to you. U have strong grounds to sue them its the law but theyre hoping u dont know your rights.
Company Response:
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2022 I received two letters related to a transfer of mortgage servicing on the mortgage for my house : - Letter 1 is from my former servicer, XXXX XXXX XXXX XXXX, dated XX/XX/2022 stating that my automatic payment for XX/XX/2022 was canceled. The letter did not specify the reason, rather it mentioned a number of reasons it could be, of which " your loan has been transferred to another servicer '' was applicable to me. I received no other letters from XXXX and I am currently unable to log into the online portal to check the validity of the change or even its reason. - Letter 2 is from my now current servicer, Fifth Third Bank, dated XX/XX/2022 stating that the servicing of my loan had been transferred from XXXX to Fifth Third effective XX/XX/2022. The letter also states to mail a check for all payments due on or after XX/XX/2022 to Fifth Third 's mortgage servicing department. Due to the time of day, I am unable to make a payment over the phone and their records don't recognize my loan number or SSN yet, this could take up to two weeks. I have contacted both companies, while XXXX says their hours are until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was only able to get stuck in an automated response loop and Fifth Third call center is closed for the day. I don't know the requirements, but I'm sure there are consumer disclosure requirements both of these institutions must follow - mortgage servicing transfer isn't exactly a unique event, they should know better. In no way is one day sufficient as I received both letters exactly one day before they were effective, regardless how they are dated. They should be required to ensure they meet any deadlines via certified mail should they have concerns about timing. They are well aware of the transaction, they had time to disclose earlier, however they chose or failed to do so. Now I am late on a payment that is due today ( XXXX XXXX as of the writing of this complaint, with no means to send payment today ) at absolutely no fault of my own without sufficient warning to fix ahead of time.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Sometime in the first week of XX/XX/XXXX, I saw a text in my phone requesting applicants to apply to carryout a survey assignment with XXXX, to which I applied. 2. On the XX/XX/XXXX, I received a XXXX XXXX Cashiers check in the mail in the sum of {$4700.00} along with instructions purportedly from XXXX requesting that I purchase XXXX XXXX XXXX XXXX and undertake some survey activities in XXXX XXXX ( letter enclosed ). 3. I thereafter lodged this check in my bank ( fifth third bank ) and my account was credited in the sum of {$4700.00} seeing that this was seemingly genuine, I thereafter started carrying out the assignment and reporting my progress to the scammers via text. XXXX. Again, on the XX/XX/XXXX, I received two other checks also in the sum of {$4700.00} each which were also lodged in my account. XXXX. It was latter on the XXXX and XXXX XXXX, XXXX that my bank returned the checks as unpaid/ fraud advise after I have carried out most of the assignment. ( Bank statements attached ) XXXX. PRAYER : Fifth third should be made to return my money in the sum of {$7500.00} as well as {$45.00} charged as return fee for the XXXX checks Totalling {$7600.00} XXXX. After the purchases of the gift cards, I was supposed to make {$1300.00} from the survey. XXXX. I am usually careful when it comes to finances, but fifth third bank made me believe all was well. XXXX. Counting on your assistance towards this recovery, please.
Company Response:
State: MI
Zip: 49509
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I deposited a payroll check into my business account which is with Fifth Third bank. A few days later I attempted to check balance with mobile app and I was not able to log into account. Customer service stated that I will have to speak to fraud department. The bank also froze my personal account without my consent or authorization. Fraud department stated that they will not release funds that I have in my personal account. My consumer rights were violated under 15 USC 1692e, 15 USC 1692c, 15 USC 1692d,
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The following is a simplified version of a very convoluted story : Fifth Third Bank purchased my mortgage from XXXX, a XXXX XXXX roughly in XXXX of XXXX. The management of my escrow account has been a nightmare. I changed my home owners insurance carrier from XXXX to XXXX effective XX/XX/XXXX, informed Fifth Third XXXX Department of this and asked them not to pay the XXXX account, but XXXX instead. I was assured by phone this would happen and not to worry about it. In spite of this assurance Fifth Third paid both policies duplicating my home owners coverage and raising my monthly payment from {$1300.00} to {$1700.00}. This was of course a hardship. I intervened, and after much work on my part received a refund from XXXX. In one of my many calls to Fifth Third XXXX Department I asked for an investigation and explanation of how and why this happened in spite of my best efforts to head it off. I never received my request. In another call the person insisted that the inadvertent payment never occurred! As a result, of Fifth Thirds mismanagement of my escrow account in XX/XX/XXXX I requested to manage it myself. To summarize, I ran into a buzz saw of confusing red tape and futile phone calls consuming hours of my time. Amid the confusing fog of many contradictory phone calls, irrelevant letters and emails sent to me by Fifth Third I have been told that I am meet the requirements to manage my own escrow. I have paper copies of all of this and can through documentation of this complaint if required. It is now XXXX and I still do not have control over my Escrow account despite being assured that I qualify. I have spent hours and hours in phone calls, writing letters and emails and get nothing but confusion and then silence for Fifth Third. I want to be released from this nightmare. Please help!
Company Response:
State: FL
Zip: 34221
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage payments were stolen for the months of XXXX back in XXXX from the USPS, I mailed them out and they never reached my mortgage company. Theres an active investigation, my money is in the process of being returned. In XXXX I applied for the HAF program and was approved on XX/XX/2022. HAF has agreed to cover 6 months of payments. XXXX, XXXX, and XXXX for back payments and three months forward. I have been calling my mortgage company keeping them informed about payments. I have even emailed them copies of the approval from the HAF program. I was told today that they can still proceed with the foreclosure process. They have not placed any flags in my account about the HAF program. My mortgage company is expected to start receiving the back payments on or around XXXX XXXX. I am concerned because theres no one I can speak with to clarify and notify that those back payments are going to be made through HAF.
Company Response:
State: FL
Zip: 33030
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I was a victim of identity theft on XX/XX/2022. Today I called the Fraud department of Fifth Third Bank and the customer service department and asked to have a security password placed on my account. They told me to visit a branch location. I advised them to look at my address, I reside in XXXX XXXX area and there are no branches near me, so what is the process for those customers residing outside the bank footprint? They said there is nothing in place. I consider this an act of a privacy issue. I want to secure my credit card and they have no options for me thus to me, creating a privacy risk for those that have a 5/3 card but reside outside of a banking area. This is a compliance issue and a regulatory issue, especially when I advised them I was a victim of identity theft and needed additional security protections on my card. This shows a gap in their privacy, compliance and risk management policies and procedures. Customers like myself can not be protected is what they are telling me and that is not an acceptable answer. The CFPB should investigate this bank for the lack of risk measures to assist card holders outside their banking locations with a process to secure our credit cards. This shows a lack of judgment on their part and a total lack of not protecting my privacy to secure my credit card after an Identity Theft situation or any situation.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have used money order to put in my account for {$7500.00} on XXXX XXXX in my fifth and third bank, because I need to open a credit check to buy my car, and XXXX days later I has been told that It was not available because they need to hold that cause it was a big money until XXXX XXXX, that is ok, I can reschedule the title transfer date with the car owner, can on XXXX XXXX, I have also used money order to put in my account for {$1600.00} because I need to pay my rent on the due of XXXX XXXX, and my account frozen, I can not even get out of my money, the company said they could do nothing about that, they asked me to wait for 7 to 10 business days, that is ridiculous, that is all of my money, and they asked me to borrow money from others, so ridiculous, I just moved to USA and I don't have a friend here, this is all their fault, I need the money to pay the rent, I don't wat to pay the delay fee because the XXXX bank, and I also need the money to buy my car, I couldn't walk everyday for 1.5 hours to work!!!! so ridiculous, is this the USA bank! XXXX
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A