[throwaw1yyy]

I switched to Capital One recently. Have a friend who works there.

However the best bank I ever used was I believe a smaller bank, 5/3rd.

5/3rd had the best service a non bloated mobile app and good rates on loans/mortgages. Moved out of the country so I closed the account but I do miss that bank

[bitsandboots]

Complete opposite experience. 5/3 is the worst bank I've ever used. I had a mortgage that got switched to them. I desired to do web banking, but their website & then customer support treated me as a hostile entity. Do you in any way deviate from the masses in your browser experience? No chrome? Ad blocker? Several invisible behaviors on their website increase a threat score against you, which eventually leads to an akamai ip block. There's no indication anything bad is happening until you're locked out for a week. It just looks like the site itself is broken.

I had to get on the phone with tech support 4 times before things started working weeks later. First time, they sent be back to the site, only to make it worse. Second time, they gave me some weird recovery code, which I couldn't put in the site properly. Third time, they told me to wait 24 hours because there was nothing I could do until my threat score decreased but they weren't willing to assist or elaborate. It wasn't 24 hours, it was more. Eventually when I did get in, actually using the website once logged in, in certain ways, re-triggered me getting blocked.

So, I vastly overpay my mortgage because I want to be done with them as fast as possible. Terrible experience.

[throwaw1yyy]

That sounds terrible. I use default iOS for everything (with Ka-Block!) and when I had to use desktop I ran safari with no adblock.

I generally log in at home. Didn’t check from work often. Maybe once or twice every 3-4 months.

I keep gmail logged in, I had a hunch they look for that cookie/tracker

[rplst8]

5/3rd has some suuuuper sketchy loan terms that caught my parents up during a refi on the mortgage for their primary residence. I do not recommend that bank, at all.

[SkyPuncher]

I have mixed feelings about 5/3. Overall, they're a fine bank and they service their own loans. We've had two mortgages with them and had not major issues with the mortgages themselves.

That being said, we had a lot of professionalism/ethical concerns with our most recent loan originator/agent with 5/3. This person seems to have intentionally misrepresented my wife and I's profession on the internal loan application to qualify us for a better rate. This was only caught well into the process when underwriting asked for proof of said profession (which of course I couldn't provide since I never claimed to be of said profession). We ended up having to restart the entire application process 10 days out from closing.

It seems to have been a one-off situation, as this person's manager ended up taking over and was _fantastic_. We pulled everything together in some unbelievably short amount of time.

Our prior loan was smooth as heck with them and they've serviced the loan the entire duration.

[geoelectric]

Not to defend the bank, as I don’t know them, but that does sound like it could be a single bad actor.

If they have checks that caught the misrepresentation in your case, it seems unlikely they condone it broadly. Sounds like the agent was either ignorant or foolish to have even tried it.

[SkyPuncher]

It was caught, but it took far too long and almost tanked us closing on this house. Being 20 days into a 30 day closing window to learn your mortgage originator is misrepresenting you internally is a massive problem.

Even worse was my wife and I were sensing something was off and asked questions like "You know he doesn't work that profession. Are we still going to be eligible for this loan?"

[throwaway2037]

Was the "loan originator/agent" an employee of 5/3? If yes, I would be surprised if they are still employed. The regulations are much tighter around loan origination post-2008.