FIFTH THIRD FINANCIAL CORPORATION

2019-01-15

Chicago, IL

Problem caused by your funds being low

Checking or savings account: Savings account

Non-sufficient funds and associated fees
Complaint: To whom it may concern, refer to complaint number XXXX same complaint. my husband mr. XXXX XXXX XXXX sr and mrs XXXX XXXX XXXX have joint bank accounts. essential checking. and goalsetter savings established in XXXX XXXX XXXX. I want to also duly note that my husband and I don't do online banking business..however we did utilize it in XXXX a few times and beginning of XXXX. after that we stopped. shut it down. fifth third admitted over phone brown over phone. XXXX XXXX fifth third XXXX XXXX. ( refer to complaint number above ). we never created any other bank accounts like commercial that was stated on paperwork ... ( with this alleged payee ( XXXX ). we don't have payee. ss administration knows this and we don't have power of attourney. we assume current property manager XXXX and XXXX XXXX ( former property manager-XXXX XXXX ) XXXX XXXX XXXX ( jobs 4 life ). working together in identity theft ..bank embezzlement scandal. along with XXXX XXXX and XXXX XXXX of XXXX. there was also another bank account created XXXX XXXX XXXX created. my husband and I did not create XXXX XXXX XXXX account. we had fifth third shut that down. we mentioned this to mr. XXXX at fifth third on XXXX ( he was from XXXX, ohio ). it is now closed. he stated to me and my husband that we were not getting our money back after we showed him increase information from last XXXX in XXXX XXXX. and we didn't have payee. he was also aware of bogus XXXX XXXX XXXX account we never created. we believe mr XXXX last name stated with XXXX was part of embezzlement scandal. we have documentation to prove I am my own payee. maiden and married. ss administration stated on camera last female that we get our own monies.this was XXXX XXXX XX/XX/XXXX mentioned to us by phone by two ss admistration reps the increase in ss income.. those particular fifth third employees played role in embezzlement of our ss monies. duly note fifth third mentioned power of attourney. we never had power of attourney. so strongly assume XXXX XXXX another associate of fifth third mr XXXX were stating they were our power of attourney and payee. and miss XXXX said power of attourney. we never signed power of attourney or payee paperwork XXXX XXXX or XXXX XXXX of XXXX organization. as stated before in report up above .refer to that. miss XXXX XXXX made multiple copies of birth certificates, ss numbers, marriage licenses etc.. They illegally attached people to us via, XXXX, including XXXX XXXX ( who were illegally attached and they pretending to be us. they illegally had our ss numbers. identity theft on XXXX illegally attached via featherfist XXXX XXXX and XXXX XXXX and XXXX XXXX. .
Company Response: Closed with explanation

Timely Response

2019-01-15

Readyville, TN

Managing an account

Checking or savings account: Other banking product or service

Problem using a debit or ATM card
Company Response: Closed with non-monetary relief

Timely Response

2019-01-15

Chicago, IL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-01-15

Charlotte, NC

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-01-15

Canton, MI

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2019-01-15

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

You never received your bill or did not know a payment was due
Company Response: Closed with monetary relief

Timely Response

2019-01-15

Bellaire, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Complaint: I have been getting calls everyday since the end of last year stating they were a legal firm in my maiden name XXXX XXXX. My first call came from a XXXX XXXX on XX/XX/XXXX. After I got one call, they proceeded to call my family members. They started calling me, and on the same day of XX/XX/XXXX at XXXX. They stated their name is XXXX XXXX, stating that they were putting a judgement on me and would have legal documents for me to sign. They proceeded to call my sister with the same message. I asked that he would stop calling my family members. I asked for the name of their company, and they didn't give me a name of a company except that they were a legal company. I asked that he would send me proof that I owe anything, he stated that he doesn't have anything to send me because he was about to put the judgement in for me. I proceeded to tell him that I would pay or work on anything until I got paperwork showing proof. He told me again that he couldn't. I told him that I would contact 5/3rd bank myself to find out exactly what I owed. He gave me a number, however that was not the correct number. I ended up calling the bank, and they stated that it was collections. Which they gave me a phone number, which they told me they couldn't find an account for me. When I talked to him again, he stated that he was able to find my family members info by searching my social online. I stated that was against the law, and he said that is what they did. Since then, they have called my dad which my dad hung up because the gentleman was rude and had no information for him.
Company Response: Closed with explanation

Timely Response

2019-01-14

Devon, KY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2019-01-14

Chicago, IL

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: to whom it may concern, XXXX we have been the victims of identity theft,. people have been pretending to be us via a veteran program called XXXX. three people XXXX XXXX XXXX XXXX and XXXX XXXX ( property manager. ) people were illegally attached to us via XXXX XXXX XXXX and XXXX XXXX. fifth third has already verified XXXX. we believe that XXXX XXXX ( fifth third ) and XXXX XXXX related to each other along with XXXX XXXX in XXXX north carolina. we believe that XXXX XXXX at fifth third on XXXX and maybe other banks she worked at. it was brought to my atttention back in XX/XX/XXXX on camera by a teller she was assigned to our accounts..we never signed any paperwork for her to be our payee or power of attourney, we didnt authorize anyone, including XXXX XXXX and XXXX XXXX of XXXX including XXXX XXXX or anyone else including XXXX XXXX XXXX, also including the adjacent XXXX XXXX that was illegally attached to us via XXXX. we have paperwork stating that XXXX was our payee. and that was paperwork given to us by ss admistration. ss administration knows that we dont have payee. and suggested we get monies back from fifth third. fifth third has been uncooperative.. even fifth third verified people had numerous bank cards in our name. we can be reached at XXXX XXXX XXXX ( home ) .we have paperwork documents to prove this. once again XXXX XXXX at fifth third on XXXX ... XXXX XXXX XXXX. we never authorized XXXX to do anything with our accounts. the other number where i can be reached is XXXX XXXX XXXX. there is red flag on two numbers XXXX XXXX XXXX and XXXX XXXX XXXX.. these our old number we no longer use but someone has them pretending to be us and speculate assume its XXXX XXXX ..illegally attached to us via XXXX embezzling monie from us to because they illegally had our ss numbers. and we speculateXXXX was living here for two years prior to us being here pretending to be us through XXXX. irs already verified over phone some onXXXX was living here in our XXXX XXXX two years prior to us moving in XX/XX/XXXX XXXX. our XXXX XXXX said XXXX , and so did XXXX XXXX and fiftth third. there was bogus account called XXXX XXXX XXXX.. and this XXXX ( who we never authorized to payee or power of attourney ) had opened commercial bank account..it was verified XXXX XXXX had our info, .back in XXXX identity theft in the year XXXX. we opened XXXX account XXXX and thats how we found out someone was usig our name. XXXX ... so how many people via featherfist XXXX XXXX XXXX XXXX illegally gave ss numbers because people illegally attached to us via XXXX. we speculate more banks. mr XXXX verified, how many XXXX XXXX ... so multiple women pretending to be me and my husband as well mr. XXXX XXXX XXXX XXXX. he stated this over phone. mr. XXXX did. the XXXX police have already verified multiple id in our name. including driver license my husband never had drivers licence. so bottomline embezzlement from above named mentioned XXXX first initial XXXX at fifth third on XXXX and XXXX and XXXX XXXX.. ( alleged property manager aka slum landlord ) placed on us XXXX XXXX XXXX and XXXX XXXX .
Company Response: Closed with non-monetary relief

Timely Response

2019-01-14

Euclid, OH

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-01-12

Columbus, OH

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Closed with monetary relief

Timely Response

2019-01-12

Phila, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-01-11

Ft Myers, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, FL XXXX XXXX home office XXXX cell XXXX This is the letter I sent earlier in the week to the Office of the President at the fax listed on the letter. I think this is the easiest way, I can in fewer words convey the difficulties I'm having. Yesterday was the final blow when they sent me the third mortgage escrow analysis in the last few months, this one showing I have an overage of {$14000.00}. These are the last people who need to be handling our mortgages. They're cooking these books. Their junk fees they're always adding, if accrued would give them enough arrears to push most people over the edge into foreclose, if they don't realize unless called for in their mortgage, can not legally be added. Please correct me if I'm wrong. Here 's what I sent : XX/XX/XXXX Office of the President 5/3 Bank Fax # XXXX RE : QWR - Regarding Mortgage Loan Account # XXXX Dear Sir/Madame : I originally wrote this letter to you on XX/XX/XXXX but after receiving a call from XXXX, with Fifth Third, advising she had been assigned as my exclusive contact, along with a direct telephone point of contact, I was hopeful it would be unnecessary. After repeated assurances Fifth Third was working diligently and expecting a resolution soon, I didnt send it at that time. Ive changed the date to todays date and am now sending this letter to you, as this is past the critical stage and heading to catastrophe and my repeated messages to XXXX on my direct line have gone unanswered. If I can not get resolution to this matter by Wednesday, XXXX XX/XX/XXXX, it is my intention to engage the assistance of a group of lawyers, which I can assure you will cause far more expense and difficulty, if that is possible. Your bank has made a serious error regarding the above account and my efforts using your standard methods have not been successful, so Im reaching out to you today in hopes you can help get this issue resolved. Unfortunately, Ive very ill right now and am unable to provide exact dates of everything as theyve occurred, as Ive been unable to return to my office where my records are kept. Hopefully, with the estimations Ill provide, youll be able to determine where things went wrong. I live in XXXX Florida and was a victim of Hurricane Irma. I received forbearance assistance, for which I was very grateful, while I fought and continue to fight my insurance company to get my home returned to its pre-storm condition. I recently participated in the modification trial period and my mortgage was modified in XXXX, XXXX. So far, Ive received two checks which were made out to myself and 5/3 which I promptly deposited into what I was told was an escrow account for insurance proceeds, to be paid out when work to my home was complete. The first check was deposited and according to your protocol, I called for an inspection. No inspector ever came but I did finally receive the check for my roofer and he was paid. The second check, which was deposited somewhere around XX/XX/XXXX was in the amount of {$8400.00} and cleared your bank XX/XX/XXXX. Around XXXX, XXXX I submitted paperwork for my fence contractor to be paid. When I heard nothing back, I called and was told it was never received but a bit later in the conversation, alas they found the request. I was told it would be processed and Id have the funds in 7-10 business days. Im still in the throws of remediating mold in my home, so it may have been 3 weeks before I called again as there was still no check. At this point Im getting threatening letters from my fence XXXX who has completed his work sometime ago and if not paid very soon, will be turning me into a collection agency. Having just completed 5 years payout on a Chapter XXXX bankruptcy I was forced to file after my husband died, this is now of grave concern to me as Ive worked very hard to get my credit back in good standing. I called and again I was told there had been a delay but was once again reassured Id receive the funds in 7-10 days. Still no check, phone call or letter of explanation ever arrived. I called again on XXXX XXXX and was told there was an issue with my account, i.e. I only had {$34.00} in my insurance escrow account. Now its getting very serious! Somewhere within that time frame of phone calls and after my modification, I was notified the annual escrow analysis had revealed an overage in my account and Id be receiving a check of around $ XXXX. It didnt occur to me those were actually insurance funds because they were such different numbers. Only after reviewing my last mortgage statement where I saw my taxes and insurance had been paid, did I begin to put it together. Now Im being told regarding my modification they are redoing the numbers, unfortunately, I believe its being done with insurance claim funds that are meant to restore my home and desperately needed in order to keep from further damaging my credit. I wish I were more confident Id receive some immediate help but having sent several QWRs in the past which never received a response, I cant help but worry this too will be another disregarded and ignored request. I dont have the dates of those QWRs at this moment but can provide those once I can get back to my office. In addition, Im constantly having to call for removal of what I call drive by fees, I believe your term is inspection fee for {$12.00}. When I spoke to the bank yesterday, having seen more on my statement, I asked they be reviewed. Ive been told by legal council if those fees were not spelled out in my mortgage documents, they can not be collected. Your Fifth Third representative advised those were legal fees if one was in arrears ; however, Id just been reassured my account wasnt showing arrears or not in good standing, simply showing it was being modified and the forbearance was not being reported to the credit agencies and all was well. My mortgage documents do not permit these fees and theyve always been removed before ; however, it is quite troubling they continue to be added and I must be vigilant or theyll continue to be added to my account, which is in my mind, a type of fraud. I would also appreciate if you would instruct those fees never be added to my loan again and any I may have missed, also be refunded. After many hours on the phone with different departments, I fear this has become such a convoluted mess, involving so many different departments and personnel, it will take someone in extreme upper management to get this issue resolved, hence this letter to you. Time is of the essence and this has the potential to be a serious legal problem. Because Ive received such a run around, I felt it necessary to contact the CFPB. I plan to file a formal complaint this afternoon. This is absolutely unacceptable and these issues must be addressed immediately, the inspection fees removed, corrections made and checks provided to myself for the {$2300.00} which was the down payment on the fence and to the remainder to the contractor, XXXX XXXX, who has completed his work. Please help me resolve this issue which left undone could have catastrophic results for both 5/3 and myself. Regards, XXXX XXXX XXXX XXXX home/office XXXX cell
Company Response: Closed with explanation

Timely Response

2019-01-11

Indianapolis, IN

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-01-11

Lansing, MI

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2019-01-10

Naples, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-01-10

Atl, GA

Incorrect information on your report

Checking or savings account: Checking account

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2019-01-10

Staten Island, NY

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2019-01-09

Saginaw, MI

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-01-09

Dallas, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-01-09

FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Mortgage {$80000.00} Foreclosure XX/XX/XXXX Lawsuit filed-XX/XX/XXXX. By several homeowners against the City, engineers, contractors, Implementation team. Due to a City owned Dam Breach. The largest environmental lawsuit in Michigan. Caused flooding, mold and contamination to several homes and properties.
Company Response: Closed with explanation

Timely Response

2019-01-09

Cincinnati, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-01-09

Lansdowne, VA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with non-monetary relief

Timely Response

2019-01-09

Campton Hills, IL

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-01-08

Gilberts, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response