Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XXXX of XXXX I was going to be late on my mortgage payment due to lack of work, I called into XXXX to let them know and spoke XXXX XXXX who said to make payment asap. In XXXX I called into let them know I had began employment ( spoke with XXXX XXXX and would be able to make payments but if I paid the full XXXX I wouldnt have money for anything else so they told me to fill an application out for modification. I did that on XX/XX/XXXX. I never heard anything back through XXXX so I called in on XX/XX/XXXX and again they said to fill another application out. I did that and on XX/XX/XXXX my mortgage servicer finally filed XXXX XXXX XXXX that they were my servicer. They took over my loan when I signed for the home XX/XX/XXXX. So they did this XXXX XXXX later. After I filled the XXXX application out I heard nothing back but I was able to make a full payment in XXXX and they accepted it. In XXXX they refused payment had me fill a XXXX application for modification out and then accelerated my loan on XX/XX/XXXX and pushed me into foreclosure on XX/XX/XXXX. I spoke with XXXX again on XX/XX/XXXX and the same thing as before. Fill out an application for modification. After that I was unable to contact or get a call back until XX/XX/XXXX and I spoke with XXXX. She had me fill out the last application. In XXXX I contacted XXXX XXXX who was a foreclosure prevention agent who called XXXX and was hung up on when we mentioned dual tracking during modification they finally stopped being difficult and offered a payment trial. I only had half of my last payment so that messed it up. But at this point XXXX so far behind when I could have been making payments or had help that there is no way Id catch up. Now XXXX in foreclosure and they offered me another payment trial in XXXX of XXXX and I spoke XXXX XXXX who said I had to get payment in by the end of the month it didnt have to be the XXXX so I worked as hard as I could and on the XX/XX/XXXX I called in and spoke XXXX XXXX who took my payment of XXXX and she promised it would be cleared by XXXX pm that evening so I didnt need to worry. I woke up the following morning saying they rejected it. I called in XX/XX/XXXX to see what the issue was and the man said they accepted it on their end. And mind you I am not receiving anything about my foreclosure or court case in this matter and I figured it was bc I had been dealing with them directly. I check my case to make sure theyre not doing me wrong and just as I suspected theres a whole list of petitions they had filed and I had not known about as well as a precipe which was filed by XXXX and XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX I filed a complaint with the court myself finally. XXXX has lied to me, sent me into foreclosure while seeking modification and have rejected payments when they were made on time. They also tried deleting all of my information on the loan solution center and have locked me out of my accounts and gave me the run around for way over a year! For what reason? I can not afford a lawyer and now XXXX over XXXX dollars behind XXXX continuing payments and interest not to mention its been decided on foreclosure and I never was even notified of anything and never got to reply XXXX a response due to lack of a lawyer or mail sent to my address. Dual tracking has happened and this final issue XXXX dealing XXXX is illegal as well. And XXXX losing my home bc of their lack of communication and honestly think theyre pushing so hard bc they know they messed up somewhere. And I

Company response to consumer: Closed with explanation