Date Received: 2022-10-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My Mortgage loan was sold to FIFTH THIRD BANK from XXXX my first payment with XXXX was XXXX XX/XX/2022 I tried to open an online account with XXXX however their system would not let me I was ask questions before it would let open it like do you have your loan documents and how much was in your escrow account are how much the original loan amount was etc. I answered the questions and was locked out and told to call XXXX when I called i was given a number and transferred to an automated system and I entered the number and was told it was invalid I called backed and was told by a rep name XXXX she could not get a supervisor to help me had to make an alternative payment and still do not have an online account it should be this hard to open an account and I worry they may try and take my home after what loan servicers have done in the past getting bonus es to take people 's homes and lying about loam document etc.
Company Response:
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Charged {$74.00} and then {$34.00} for 3 days totaling {$170.00} in fees then an additional {$25.00} fee. This was a bank mistake as I had previously asked for my card to not accept charges of balance is not available. In addition, no where in my agreement with the bank did I agree to being charged multiple fees for same day transactions. They are taking advantage of me by charges multiple fees for the same day of being overdrawn. I was never notified by text or email that the account was overdrawn so I never had a chance to fix it. They sent a letter in the mail which took a week to arrive. I have gave them permission to text and email me so why would they not communicate as soon as this issue has arrived.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Ive currently tried to pay rent and the bank bounced back my check. I currently have over XXXX in my bank account and they wont let me touch or pull it out. I need my money and its effecting a lot of things in my life. I need this resolved
Company Response:
State: FL
Zip: 34207
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 at XXXX I received a call from XXXX XXXX XXXX who claimed to be Fifth Third Bank representative, regarding fraudulent XXXX XXXX on my checking account. My caller ID showed Fifth Third with the number XXXX. I have never used XXXX and am not at all familiar with it. He knew personal information regarding my accounts and explained that someone was attempting to transfer {$1000.00}. He instructed me to log on to my account and go to XXXX and when I did, I got a text message from Fifth Third. He appeared to be going through my account along with me, was very convincing, and knew information about my accounts. After doing what he asked me to do it appeared that I sent {$1000.00} rather than reversing the charge like he claimed I was doing. He said it would take a couple hours for the transaction to reverse and he would call me back the next day. I did not feel good about the call, so I went to my local branch in XXXX XXXX, IL. I talked to Fifth Third Personal Banker XXXX, XXXX XXXX, and he informed me that I was the victim of fraud. He said that the money had already transferred, and we would have to wait until it posted to file a dispute. He also saw that the number on my phone that they called from was the Fifth Third number. The next day, XX/XX/2022, I received another call from a XXXX XXXX with the same Fifth Third number showing on my caller ID. He said he was checking to see if the XXXX charge had reversed and trying to get me to go back in my account. He said the person that was doing the XXXX fraud had now set it up as a daily transaction. I told them I was out and would not be home by a computer until after XXXX. He said he would call back. I immediately called XXXX and he had me come back into the bank to file the dispute and see if XXXX would call back. While XXXX was filing my dispute, XXXX called back, and XXXX listened in as I had the call on speaker. When XXXX spoke up and said he was with Fifth Third and he could not find XXXX name or ID number in the directory XXXX hung up. After hearing the conversation, XXXX said these guys are good. On XX/XX/XXXX I noticed a provisional credit of {$1000.00} posted to my account. On XX/XX/XXXX I received a letter from Fifth Third Bank and was instructed to complete a written statement regarding the fraud. On XX/XX/XXXX I emailed the signed statement to the Fifth Third Dispute team as instructed. On XX/XX/XXXX I received an email from Fifth Third bank warning me of potential scams related to XXXX. On XX/XX/XXXX I noticed that the provisional credit was reversed. On XX/XX/XXXX I called the Fifth Third Disputes Team inquiring about the reversal. I talked to XXXX. I was told that my claim was denied and they sent a letter. She told me that the money was unrecoverable. She said I was told that I was responsible for the security of my account when I opened my account. I opened the account over 20 years ago, long before XXXX. She also said Fifth Third would never call me. I mentioned that a few years ago, I was called by Fifth Third related to fraudulent activity on my credit card. On XX/XX/XXXX I received the denial letter from Fifth Third that states they were unable to recover the disputed amount from the XXXX recipient. My main questions/concerns are ; 1. How did the perpetrator of the fraud : a. Get my phone number and link it to my Fifth Third accounts? b. How was the scammer able to use the Fifth Third number ( XXXX ) that showed up on my caller ID? c. How was the perpetrator able to know personal information from my Fifth Third online accounts? 2. Why did Fifth Third send me a warning almost a month after I was defrauded? Had they sent the warning a month earlier I would not be in this predicament. 3. I now understand XXXX is a bank to bank money transfer. Fifth Third and XXXX should know where this money went, why cant it be recovered?
Company Response:
State: IL
Zip: 60177
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On Friday XX/XX/2022, I contacted Fifth Third Bank at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX regarding a personal loan. Before I applied, I inquired about the qualifications for the loan with personal banker XXXX XXXX. She stated that Fifth Third uses XXXX Credit Bureau to assess scores, the minimum credit score required is XXXX, and the APR ranges from XXXX % with loan terms of XXXX months. On Monday XX/XX/2022, I went into the branch to apply for the loan. At the time of the application my credit score was XXXX on XXXX. The banker stated she would be in contact within 24-48 hours. She did not follow up within that timeframe, so I had to reach out to her myself on Wednesday XX/XX/XXXX. At that time, she informed me that my loan was denied because my XXXX XXXX was a XXXX, which is demonstrably false. On XX/XX/2022 I reached out to XXXX to obtain documentation stating that my credit score is not XXXX, nor was it at the time of the loan application. I have proof that my credit score was NOT XXXX when I came in to apply. My credit score has suffered a hard inquiry, a XXXX drop, and is currently XXXX. On XX/XX/2022, a representative, in the resolutions department named XXXX reached out to me requesting that I submit documentation showing my credit score from XXXX. I provided all the evidence I had via email. On Monday, XX/XX/2022 I contacted XXXX ( Resolutions Dept ) regarding the matter, in which she stated it may take up to three business days to hear something from underwriting. On Wednesday XX/XX/XXXX, I attempted to reach out and was unable to contact her. She later left a voicemail stating the same information that had already been provided to me, instructing me to contact XXXX again. Since then, I have not been able to contact this representative and her number is now going straight to voicemail. Fifth Third Bank has discriminated against me based off of erroneous information, violated the Equal Credit Opportunity Act & has caused damage to my Credit Score in the process.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card ending in XXXX was locked by the bank a couple of days ago. I requested to have the card unlocked trough the online banking chat and they said I must call " Card services '', I been calling them 5 days, they have a different address on profile so they cant verify. I also called the bank several times and request to speak with a supervisor and they insist to transfer me to " card services '' where they have a wrong information about me All of this issues between the bank and this third company is UNACEPTABLE.
Company Response:
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My Mortgage has been transferred to the fifth third bank from other Mortgage lender that the builder had sold my loan to. Fifth third bank has been harassing me to buy an expensive liability insurance since the HOA did not renew the liability insurance. I have been calling the HOA to get this rectified and they purchased this with the start date about 2 months later than the expired date. The bank checked this and again this time added an additional {$800.00} as protection insurance on my escrow for the whole community. This has not happened to many other people who have similar loan from the bank. Bank should have directly interacted with the HOA instead of harassing me for the liability insurance which lapsed. Also it is unfair to add an additional XXXX to me when I followed up with HOA to buy the insurance and moreover there are many other homes in the community with the mortgage from the same Bank.
Company Response:
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage loan # XXXX for property located at XXXX XXXX XXXX XXXX XXXX NJ XXXX properety Block XXXX XXXX XXXXXXXX tax account XXXX was trasferred to Fifth Third Bank. After that Despite being current with mortgage payments. The I have delinquency on my real state payments with the city of XXXX tax collector. I have been strugling to resolve the issue but each and every communication with fifth third their representatives have not made any serious diligence to resolve the issue and instead they have stated that my mortgage is current. After providing all information they have refuse to provide a payment evidence for real state taxes and hazzard insurance at current moment my property taxes are delincuent with about XXXX on penalty interest accumulated. The city of XXXX have provided records that shows not payments made for the entire year 2022. My home insurance policy with XXXX XXXX was never pay by fifth third neither fifth third have provided any evidence of the destiny of the escrow funds, despite several phone calls and online engagement. I find this mortgage servicer to be at best incompetent and at worst a conspirator to create this situation. They have done not decent effort to correct the situation and I have requested the escrow account to be terminated .I have requested that they pay the interest and penalties as per their legal obligation .I request the return of all the funds that they escrowed tor insurance and taxes so I can take care of those payments by other reliable mean.
Company Response:
State: NJ
Zip: 07055
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been in contact with the CFPB before with XXXX XXXX. He was very helpful and told me that he understood where I was coming from in my situation he then reformed my dispute claim as the bank put a bunch of charges I did not authorize them to put on my claim they claim that from their phone call I did however they refused to let me listen to that phone call. I was told by one of their agents and XXXX that my case was reviewed and switched to only three charges and which those are the ones I only wanted it on there from the beginning I have three charges two of which I got a fraud text message from Fifth Third themselves Which says is this fraud and I answered yes. I also have another charge from an XXXX supermarket right across from this location of this charge which is in a very terrible neighborhood of XXXX far from my house which is also not consistent with any of my spending patterns. Fifth third bank and XXXX confirmed that my claim was down to three charges now and will only be reviewed for those three however they decided without even telling me that they are going to stick with the original dispute based off the phone call which they still will not let me listen to even though I have proof from them that says They detected fraud and I agreed it was fraud when the charges were made and they still allowed the card to be active after I said it was fraud. I have the text message I will attach I also have a police report and XXXX gave me the locations of the charges which show they are in an area where I have never spent money before and are not consistent with my spending patterns. I am on the verge of taking them to court because I can not believe the amount of times they have lied to me they refuse to review my details that I have sent them which show that they detected fraud and I confirmed it was fraud just based off a phone call that I made originally that they claim I authorized all those charges however I never did and they refuse to let me listen. This is my last straw before I take them to court with my sufficient evidence because there is no arguing a text message from them that asks Me if it was fraud and me confirming that it was. I was also lied to by one of the representatives when I had called and asked them to confirm that it was just three charges on the new dispute and she confirmed however they still went with the old dispute.
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had an on going problem with 5th 3rd Bank for 2 years now. I would receive notification that I missed a payment, which I had paid. I would take copies of my canceled checks to the local branch and they would compare my records with account. They told me on five different occasions that for some reason my payments would go into an account and placed on hold and not being applied to my mortgage. On the previous five occasions they would figure it out and within a month or two we would have to go through the process again. On Tuesday XX/XX/XXXX I had an appointment at XXXX XXXX XXXX in XXXX XXXX Indiana with XXXX XXXX, because my payments were not being applied to my loan again. XXXX compared our records and stated he didn't understand why it was showing a non payment as he was looking at my canceled checks. She stated I needed to talk to his supervisor XXXX XXXX because he did not know how to fix it. XXXX was not in the office that day so I had to make another appointment for XX/XX/XXXX. XXXX got extremely aggravated when speaking to me and started belittling me. She stated my account was a mess and I'm missing payments. Her and I got into a verbal argument over this situation. I explained to her that this is ongoing and I didn't need to be talked down to, that I am the one leaving work early and wasting my time to resolve the problem. I made a complaint with 5th 3rd Bank due to her lack of professionalism. On Thursday XX/XX/XXXX XXXX XXXX contacted me and began to assist me in this matter. XXXX said I was missing three payments between XX/XX/XXXX and XX/XX/XXXX. I provided her with canceled checks from XX/XX/XXXX to XX/XX/XXXX and every month was accounted for. For unknown reasons XXXX quit contacting me and her voice mail stated she was out of the office. Around XX/XX/XXXX XXXX XXXX contacted me and stated she would be handling my case. She stated I didn't pay two month in XXXX ( which were different than XXXX stated ). I provided her with the same canceled checks showing my mortgage was paid. XXXX stated she spoke to her supervisor ( unknown name ) and they were turning my case over to the Mortgage Research Department. I have contacted XXXX several times since XXXX of XXXX trying to fine out the status on my account and she says it out of her hands. She stated they will contact me with information when it's available. The only number she provided me was an XXXX number that is nothing but a customer service number and I got to repeat this whole thing. My monthly statements are showing me 30 days late ever month with late fees. My credit is receiving negative marks for being late every month and I can not get anyone to help me. They all act like they want to help until I provided proof of payments for every month they request. Please help me resolve this, eliminate my late fees and fix my credit. Thank you, XXXX XXXX XXXX
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A