Date Received: 2022-10-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Re : Letter to Remove Inaccurate Credit Information/ Late Payments To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { Fifth Third Bank, NA XXXX Late Payment 30/60 days } By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. Dates to be investigated : XXXX XXXX, XXXX XXXX, XXXX + Reason= The creditor advised I did not make my first payment on time. However, I was advised the payment was received. I asked the creditor for a letter in reference and I've been told multiple times the letter would be sent. Multiple calls were made ; I was advised the representative does not have access to the portal and was unable to send a letter. This has caused a " domino affect '' on my credit report in regards to accurate payment history being reported on my credit report. Thank you for your XXXX and help in this matter.
Company Response:
State: IL
Zip: 608XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am a retired senior citizen living on a fixed income. I make my mortgage payments every month to Fifth Third ( 5/3 ) Bank. In XX/XX/2021, my city substantially increased my summer and winter taxes causing my mortgage payment to be much higher. Because I receive the larger portion of my income later in the month, I am not always able to submit my mortgage payment on the first of each month or during the 15-day grace period. My payment is made on the XXXX of each month or 2-3 days after this date. Nevertheless, the payment is made every month. On the XXXX or the XXXX of the each month, I start to get harassing phone calls from 5/3 Bank. I get a call once every morning and sometimes twice a day up until the day that I make the payment. In addition, I receive email messages regarding my account needing urgent attention. I have explained my situation to 5/3 Bank twice and I have asked if they would change my mortgage payment due date to the end of each month. They have refused to change my due date, I am paying late fees and I am still getting harassing phone calls. I'm a senior on a fixed income and I pay my mortgage every month. My mortgage is the first bill that I pay every month. It is hurtful and stressful that 5/3 Bank calls me every morning ( sometimes waking me up ) considering I have asked for for their help with changing my payment due date. They would rather call me and harass me every day and charge me late fees. I would like 5/3 Bank to have some empathy and allow me to change my mortgage payment due date to stop the late fee charges, email notices and harassing phones calls.
Company Response:
State: MI
Zip: 48212
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/22, I reached out to this bank 's escrow department in order to find out the necessary procedures for removing private mortgage insurance ( PMI ) based on the " current value '' of the home ( appraisal ). I did not receive a response from them for months and had to follow-up on XX/XX/22. They finally responded on XX/XX/22 and provided a very vague answer ( " But to answer your question yes if you XXXX falls under 80 % you cancel PMI insurance at anytime if all other requirements made by your investor are met as well. '' ) I've asked them several times to provide their " other requirements '' in order to ensure that my account is eligible for having PMI removed but they have not provided this information and mostly have been ignoring my requests. They also advised that they would send an appraisal consent form, which I am yet to receive as well.
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: As of XX/XX/2022 I stopped into local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and spoke with a Personal Banker. About not having online access she saw note on account and called fraud department fraud department informed of closing account reason was not given we were left confused me and banker she later found out due to dispute but mentioned how unusual that is since your dispute positively resolved in XXXX and I said I havent had access to the account since XXXX time all I can see is emails that payroll is still going into my account I want this hold lifted immediately online access restored or I will write to the ethics department board of directors of the bank and the state attorney generals office. Due to restricting me from my account and funds with no reasoning given I was provided no notice to my address whatsoever and no online notice to my email as well. I seek resolution to resolve this and reverse such a decision on the grounds of no merit and inconclusive findings or I will contact alternative channels and my local news affiliation as well. For reference account was opened in XXXX FL I seek prompt resolution to my query. This inquiry was investigated though the wrong account details was provided my account I am stating ends in XXXX the company replied back with something that doesnt match my records and 2. I have deposits from XXXX going to this account and I have been barred access the email on file with bank is XXXX my uncle email where my statements are received I keep getting daily balances emails. 3. My account keeps charging and charging but I cant access it or stop anything or get my funds.
Company Response:
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was accepted into the Florida homeowner assistance program back in XXXX. Supposedly the state of Florida sent out my first mortgage check on sept. XXXX to XXXX bank. XXXX bank claims they have never received anything but the state of Florida insist that the bank is holding up the check because they sent it to the correct address. Neither the state or XXXX bank are being helpful in tracking down these federal funds that were allocated to help homeowners like me. I have called the state and XXXX times and the state of Florida swears they have sent a check on XXXX and XXXX on XXXX to a XXXX XXXX XXXX XXXX, Ohio. XXXX bank has no way to check if they have received them or they arent accepting them, they dont care to help me and only want the payment made, they dont care to help track down mail with payments that has been sent to them. XXXX probably threw it out. I have no way to hold either party accountable.
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I called for mortgage relief due to unemployment 7 times on XX/XX/XXXX and was hung up on each time. This is discriminatory. How are we supposed to speak to someone regarding COVID mortgage relief if your phone staff is constantly hanging up on callers? I called on XX/XX/XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/2022, i went to a branch to opened a checking account with XXXX XXXX, i deposited my work check of {$800.00} dollars, the funds were deposited and i could see those funds when i log into my account, i was told i would received a debt card in the mail 5-7 business days after opening the account, today is XX/XX/XXXX and i have not received a debt card, my rent was due on XX/XX/XXXX and now i'm late and was charged a {$58.00} late fee from leasing office and a notice to evict, i work overnights long hour shift, so that made it difficult for me to go inside a branch to load cash. each day i called the wait time exceeded 30 mins and call just looped over and over, finally today XX/XX/2022 i spoke with different customer service reps with 5th third and was told the debt card was sent out on XX/XX/XXXX and it will take 5 - 7 Biz days, yet i opened the account XX/XX/2022. I believe 5th third is holding my money XXXX and i urgently need access. i can not pay my rent, i cant buy gas or food, because i have no card to pull money from.
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Im filing a complaint against Fifth Third Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Last week of XXXX when my husband called 5/3 Bank disputing an unauthorized charge made by XXXXXXXX XXXX. This bank said that they will block our debit card and will send us a new debit card and we will receive it in 7 to 10 business days. 2 weeks has passed, we never received any debit cards. My husband followed it up on XXXX XXXX, and XXXX XXXX with same statements, well expedite the card within 5 business days and mail it to you but we never received it. We were charged for {$30.00} for the cards which do should have not done. My husband and I went to meet the Bank rep XXXX, on XXXX. XXXX and said the same thing. He mentioned we will received it in 5-7 business days but never received our debit cards. XX/XX/XXXX, my husband and I went to this branch again and spoke with the bank manager XXXX XXXX, Branch Manager and said the same. Nobody gave us a call as they promise to us.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: An unknown entity withdrew funds from my account using ACH. On XX/XX/2022, {$49000.00} was removed from my account via ACH. This is the description " XXXX XXXX XXXX { initiator : XXXX XXXX } XXXX '' On XX/XX/2022, {$20000.00} was removed from my account via ACH. This is the description " XXXX XXXX XXXX { initiator : XXXX XXXX } XXXX '' On XX/XX/2022, Fifth Third Bank, restored the {$20000.00}. On XX/XX/2022, Fifth Third Bank refused to restore {$49000.00} with no discernable reason.
Company Response:
State: IL
Zip: 60181
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, I paid my monthly mortgage payment at the XXXX, Illinois XXXX XXXX Fifth Third Bank. I received notification in XXXX that my XXXX payment was considered missing. I proved to Fifth Third by sharing copies of my cancelled check that was processed by them that the XXXX payment was indeed made on time. In XX/XX/XXXX, I received an official letter from Fifth Third that my payment had been found and applied. I was also assured that they would reverse the reporting to the credit card bureau. In XXXX of XXXX, I was again informed that the XX/XX/XXXX payment has not been applied. When I went in person to the XXXX branch in XXXX after numerous attempts by me to resolve the issue over the phone, I was also informed that my XX/XX/XXXX payment had not been applied. Again, I proved via cancelled check that Fifth Third had received their payment. After MANY MONTHS of trying to resolve the problem, I was informed that Fifth Third had applied my payment to a Credit card account that has been closed for approximately seven years. During this process, Fifth Third has reported my account to the credit card bureau that I am delinquent on two payments on a monthly basis. They have also reported a major deficiency to my credit without a reason given. My credit score has been singly destroyed by Fifth Thirds mistakes and unwillingness to help a fifteen year customer resolve the mistakes that the bank has admitted to making. I have attempted via phone, email, personal visits to the bank to resolve these issues to no avail. Fifth Third has not shown interest in trying to help truly solve this matter.
Company Response:
State: IL
Zip: 60188
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A