Fifth Third Bank, National Association Corporate

Complaint ID: 5865134

Product: Checking or savings account

Sub-Product: Savings account

Issue: Managing an account

Subissue: Banking errors

Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint: Got a text message supposedly from Fifth 3rd Bank sending me an passcode number. Saying here is you access number if you did not request it contact us. First I do not have an account with them and second the phone number is a cell phone. The number the test came in on was XXXX

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 5860756

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem with a lender or other company charging your account

Subissue: Money was taken from your account on the wrong day or for the wrong amount

Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint: On or about XX/XX/XXXX, I received a notice from Fifth Third Bank that my checking account had gone into overdraft and that funds had been taken from my line of credit to cover the overdraft. This did not make sense so I looked at my account online to see that Fifth Third had processed check # XXXX that I had written in XXXX, XXXX for {$140.00} and had cashed it for {$15000.00}. A copy of the check is attached. I immediately went to the bank and meet with XXXX XXXX, my personnel banker. XXXX XXXX told me that the check had been probably stolen from the USPS and altered and that Fifth Third had cashed it for the forged amount of {$15000.00}. XXXX XXXX had me sign numerous documents and told me that my money would be returned to my checking account. He told me it would probably be returned sooner but no longer than 180 days. I told him this was ridiculous as Fifth Third had cashed a check that was obviously fake and that this was not acceptable customer service. I continuously followed up with XXXX XXXX until early XXXX. He kept giving me the run-around and telling my money would be returned soon as I am a Preferred Customer. I told him that if this is the kind of service a preferred customer receives, I can not imagine the kind of serve a regular or poor customer living on social security would receive. As a XXXX person, I believe that Fifth Third is engaged in elder abuse. I asked to speak to someone higher up in the bank but XXXX XXXX told me that his boss or the people working on my problem. He indicated that they were not customer facing employees. Then on XX/XX/XXXX, XXXX XXXX told me that he had talk to the XXXX Collection department, the compliance officer, and his boss. He said we need to start over again and that I need to sign a new packet and start the 180 day process again! Again, he indicated that I could not speak to his boss or to anyone with more authority at Fifth Third. After numerous unsatisfactory calls and meetings with XXXX XXXX I went to the XXXX XXXX, Ohio Police Division on XX/XX/XXXX and completed a police report that is attached.

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 5860203

Product: Mortgage

Sub-Product: Conventional home mortgage

Issue: Struggling to pay mortgage

Subissue:

Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint: In XXXX, in the middle of COVID, forbearance options were provided to homeowners such as myself. As I was in a financial hardship due to COVID, I decided to use this option. At the time I was told I would have multiple options on how to settle this later, such as a restructured note, or a delay until the end of my note ( a balloon payment ). Starting the process was relatively easy, but getting any kind of feedback or assistance from my lender to settle things has been a nightmare. Essentially, I have never been given any option other than to restructure my mortgage to a XXXX YEAR note ( I only had XXXX years left on my original mortgage ). I was given no counseling on options, I was told it was impossible to speak with the loan modification person -- one day just a bunch of papers showed up via XXXX, and we were being coerced into signing them. The paperwork was not accurate ( one of the " owners '' was listed and required a signature -- my deceased father-in-law ), and I did not want to go from essentially a XXXX mortgage to a 40 year note. I contacted Fifth Third Bank ( my mortgage company ) and brought up the fact that I was not given any options and that even if I wanted to sign that paperwork it was not correct. After multiple phone calls after that, they sent NEW paperwork, that essentially was the exact same as the first round of paperwork, with slightly different payment amounts, but still a 40 year mortgage. I called them once again to state I did not want a 40 year mortgage, that I was never given any options, and they once again denied me the opportunity to discuss this with the loan officer doing forbearance situations. About a month later, I received a phone call from my mortgage company saying they are in the process of foreclosing on my home. Now, it is important to know that I have been making my mortgage payments, and on time for quite a while now. Even before I received the first round of paperwork, I have been making regular mortgage payments ( since essentially XXXX of XXXX ). AT NO TIME HAS ANYONE EVER THREATENED FORECLOSURE of my home, until this most recent phone call today. It has never even been a topic of discussion ... ever. Before COVID I had never missed a payment, I had never been late on a payment for literally XXXX years. During COVID and my hardship, I was told that basically I would not have to make payments during my hardship, up to 18 months I believe, and once my hardship was over there would be multiple ways to settle the situation. During COVID, my lender was extremely hard to get a hold of if I had any questions, and pretty evasive as to what my options would be when it was time to settle things. Now I feel like my lender is not only being evasive, but I feel they are purposefully attempting to slow play me into either a loan modification that I never wanted, or delay things until they can attempt to foreclose on my house, which has coincidentally gone WAY UP in value the last XXXX years. In either case, it would be a great thing for them, but terrible for me. I have maintained contact with the lender throughout this whole process, have MADE MY PAYMENTS, and have attempted to settle the forbearance, but I feel like I am constantly being given the runaround, have not been ever given any options, and now, out of the blue, being threatened with a foreclosure. I feel this is an unfair and predatory practice, and I want to lodge a formal complaint against the lender.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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