In early March I received a letter dated 2/25/21 from Mr. VP Brian ***** advising that the bank had waved the $15 late fee and apologized for the inconvenience. In mid-February I received yet another letter dated 2/11/21 from Sr. ***** advised he opened issue #2021020400013 and would respond to my concern in 15 to 25 days. I received another letter in mid-February, dated 2/9/21, from Tyler ***** from the Office of the President. Also I wish I would have received the same letter when they received the $815 in December that they misapplied to principle. Apparently, the agent I spoke with on 2/1/21 didn’t place notes on my account reference our conversation about the $40 payment being applied to the mortgage. VP Brian ***** indicating they received a $40 payment but didn’t know what to do with the funds. I received another letter in mid-February dated 2/8/21, from Sr. I sent a $40 payment via my bank to cover the shortage and they received the payment on 2/5/21. ***** advised the payment would still be $39 and change short. If they didn’t know what to do with it, why didn’t they contact me ***** just send it back? ***** didn’t have an answer but did advised ***** would have to request that the misapplied funds that were applied to principle be removed and re-applied to the mortgage for January. Why would they apply this large amount to principle without authorization ***** contacting the customer first and 2. ***** advised the bank usually sends unapplied funds back to the customer ***** they apply them to the principle. I advised them that I was unaware that my mortgage had increased because I never received any correspondence ***** emails indicating there was any increases prior to the $815 January payment I made. They advised the $815 payment was not the $854 amount that was due so they applied the amount to principle.
On 2/1/21 I spoke with a representative via phone. I immediately paid $860 on 1/28/21 for the February payment and then contacted Fifth Third Bank to inquire about the $815 payment that was never applied to the January 2021 Mortgage payment. This was the first notification I received that my mortgage increased. Vice President Brian ***** dated indicating that my montage was past due and that the mortgage amount had increased. In addition to the statement I also received in late January 2021 a letter from Sr. In the Transaction description they labeled it as unapplied credit and then made the decision without my authorization to apply it to the principle. The statement had a break down which indicated that the $815 payment made on December 24 was not applied to the mortgage for January. Keep in mind I always pay early and I sent the January payment of $815 on December 24, 2020.My actual Mortgage payment was $810 so I sent $5 extra.
#FIFTH THIRD PAY IT DOWN PLUS#
In late January 2021, I received a Mortgage statement dated 1/18/21 from Fifth Third Bank advising that I missed a Mortgage payment for January 2021 and now owed them for two months plus a $15 late fee. Below is a synopsis in chronological order of my efforts to get the bank to remove the 30-day late payment report from the credit bureau, however they refuse to do so. When I sent a $40 payment in February to cover the shortage the bank sent me a letter asking what the $40 was for, why didn’t they do the same ***** for the $815 they received in December? My payment history shows that I have never been late and have never missed a payment.
They should have made some effort to contact me to verify that I received a notice that the mortgage increased when they received the wrong amount in December for the January payment, especially since mail has been interrupted due to COVID. The bank reported a late payment to the credit bureau for January even after receiving the January payment in December. They never made any attempts to contact me by phone ***** email. I was unaware of this which is the reason why I sent the same payment amount that I usually do. The bank sent a letter for late payment and also advised the payment increased due to an increase in escrow. The bank then applied the January payment to principle instead of the mortgage payment without authorization ***** doing any due diligence ***** inquire about the payment they received.
#FIFTH THIRD PAY IT DOWN FULL#
The payment was not the full amount due to me not receiving any notification that my payment increased. The bank misapplied a payment advising it was not the full amount.
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