FIFTH THIRD FINANCIAL CORPORATION

2017-01-04

Georgetown, KY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Hillsborough, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-04

Mount Holly, OH

Other

Credit card:

Complaint: XX/XX/XXXX has sent out an announcement that they are changing out consumer 's current credit card with a new TRIO Rewards card ( same credit card number ). This credit card will come with a XXXX % to XXXX % interest rate. My current card that I have had since XX/XX/2004 is at XXXX %. Does this sound like something I would be interested in. Absolutely not. This is how I can keep the card that I have at the XXXX % interest rate. Close it! Pay on the past charges at XXXX % and open a new card XXXX same credit card number ) at the XXXX % to XXXX % interest rate. Does this sound acceptable? Not to me. If I can not keep my card with the XXXX % interest rate XX/XX/XXXX will be loosing my business. Evidently it is legal for them to do whatever they want when they want but to, after XXXX years with the same interest rate, adjust my rate because I did not do anything wrong is unacceptable. I am expediting my complaint thru XXXX at XXXX different complaint points and wanted to go thru cfpb to also insure that my voice is being heard. My attorney suggested that I go to this site and file a complaint.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

San Jacinto, CA

Delinquent account

Credit card:

Complaint: I was disputing the information on my credit report without success. So as a compromise, I contacted Fifth Third Bank to settle the debt as paid and full if they deleted it from my credit report completely. The representative I spoke with agreed to settle and delete the account for {$280.00}. I wrote a check for the agreed amount along with a letter detailing our conversation. They received and cashed the check but did not report it correctly to the credit bureaus.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

Gulfport, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

Eton, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-02

MI

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: On XX/XX/2016, I went to the 5/3 Bank on XXXX in XXXX to exchange currency for an upcoming trip to XXXX. I requested {$500.00} XXXX and was charged {$410.00}. I chatted with the tellers throughout the lengthy process and was never told that the currency could n't be exchanged the same day. When the teller ( I did n't catch her name, but teller # XXXX is on the paperwork ) finished and handed me a slip over the counter, I expressed surprise that I was not receiving cash. The teller then informed me that currency exchange was a two-day process, but that it usually arrived in one day. I reminded her that I was leaving the country in the very early morning on XX/XX/XXXX, but she assured me that the money would very likely be there the next day. I did n't want to drive back to cancel ( the bank was an hour from my work ), but she stated that if it was n't there XXXX she would call me personally and we could cancel the transaction over the phone and put the money back so I could get the currency elsewhere. I was reluctant to accept due to the hour drive to the bank from my work in XXXX, MI, but did so in the face of no other option and assurances from the teller that it would work out. The next day, I did n't hear from the teller by the afternoon. I called and spoke with another teller who was present but did n't complete the transaction, who did n't understand why I was told it could be cancelled over the phone. She took my information and told me she would call me back after investigating the issue. At XXXX, I called back after I had n't received a call and there was no answer. I was forced to exchange another {$500.00} XXXX at another bank who could do it same-day. I left the country on schedule on XX/XX/2016. When I returned, I called on XX/XX/2016 and spoke with XXXX, who tried to help by reversing fees I had n't been informed of and tried to refund {$350.00}. I denied the refund because it was {$55.00} less than I had exchanged, but was informed that because the exchange rate had changed since I 'd requested the money they could no longer refund the full amount of my money. When I pressed, I was told that the exchange could not be cancelled and could only be exchanged back to XXXX at the lower exchange rate. I refused the lesser refund and asked to speak with a manager. The issue was escalated to the branch manager on XX/XX/2016, XXXX ( sp? ) XXXX. XXXX scoffed at my statement that I did n't know I would n't be given the exchange in the same visit, instead claiming that I should have known they had n't exchanged currency in-branch in years. When I responded that I could n't know that unless I was informed, he promised to investigate the issue. I informed XXXX that I was in the military and was about to be XXXX to another base for 3+ months on XX/XX/2016. He promised to contact me the following day. When I was n't contacted, I called back at the end of the day on XX/XX/2016 and put through to XXXX voicemail. XXXX quickly called me back and informed me that they were still working the issue and XXXX would get back to me. I reminded her that I was leaving on orders over the weekend. I did not receive a call back before I left. XXXX called on XX/XX/2016 and informed me on my voicemail that he was n't going to do anything differently, and that I should contact him to get my {$350.00} back. I returned the call when I got the message on XX/XX/2016 and spoke with XXXX. I requested that my issue be elevated to the regional manager so that I could recoup all of my money, and she promised that my information would be passed to that level. This was the last contact that I had regarding the issue. Now that I am back in Michigan, I would like the issue to be resolved.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-01

East Lansing, MI

Settlement process and costs

Mortgage: Home equity loan or line of credit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-01

Deltona, FL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-30

Lathrup Village, MI

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Powder Spgs, GA

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have a mortgage with fifth third. I have never missed a timely payment. They are listing me as late for a month and reported it a negative on my credit report. They failed to apply a payment so it was not my fault. I have tried to work through the issue with them without any success. I recall receiving a letter from them that they had mis-reported the payment but I can not find that letter. It is wrong for them to report me as negative and I am requesting that they report it correctly. Attached find the payment history. Apparently the bank decided to increase the escrow. I did not recall receiving any notice of the increase. I paid the XXXX amount ( see attached bank statement check XXXX ). The payment history shows that as unapplied even though I paid the mortgage and interest. It is wrong for them to report me late when I paid on time.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-26

Chicago, IL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I purchased tickets to an event through XXXX XXXX in XXXX 2016. On the day of the event in XXXX I was not given the full access to the event I had paid for. I disputed the sale with my credit card provider, Fifth Third Bank. My goal was to receive a small percentage back from XXXX XXXX. The last correspondence I have ever received from Fifth Third Bank pertaining to this issue was dated in XXXX. This letter stated that the dispute was settled in my favor and {$330.00} was to be credited back to my account. This amount, nor any amount, was ever credited back to my account. I called Fifth Third Bank numerous times only to be told on each and every occasion that I would be contacted " within the next 48 hours '' to address the situation. NEVER HAPPENED! After a few months of this " run around '' I finally filed a lawsuit with the judicial system in XXXX County, Illinois. Even though Fifth Third was served with the paperwork for this case filing they made the decision to ignore the court summons and DID NOT show up in court. Subsequently I was awarded a default judgment in the amount of {$1000.00} plus court costs in XXXX of 2016. Although Fifth Third made it extremely difficult to find the correct department to forward the judgment paperwork to, I was finally able to fax the documents to the correct department. Within a week of receiving my faxed paperwork I was contacted by a Fifth Third Bank Attorney who initially told me that they would not pay me the full amount and if I did not settle for the considerably lesser amount, Fifth Third Bank would go back to court and file paperwork to have the judgment vacated. I told the Attorney this was not acceptable and my expectation was to receive the entire amount of the judgment plus court costs. This phone call took place on XXXX XXXX, 2016. On XXXX XXXX, Fifth Third Bank, through their Attorney, made the decision to finally bring to a conclusion this issue which they had dragged out for more than 7 months. The decision was made to pay me the total agreed upon amount of {$1200.00}. As of the writing of this statement on XXXX XXXX, 2016, I have still not received any of these monies. FYI : Because I have very little trust for Fifth Third Bank and their agents, each and every phone call since this issue has arisen has been recorded. These audio files are available upon request.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-26

Fred, VA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: My name is XXXX XXXX live in XXXX Va. Sold XXXX handbags to XXXX XXXX whom gave me a cashiers check dated XXXX/XXXX/2016 {$1300.00}, check # XXXX, routing # XXXX, and bank acct # XXXX, drawn on Fifth Third Bank in XXXX KY which was returned and I called my bank Suntrust who stated looked suspicious so my acct was overdrawn due to this. Called Fifth bank spoke W/XXXX who stated the acct # on check is good but there was no monies on this cashier check and does not know what happened, so I believe XXXX knew this at the time she presented the check and so I feel I got now where with Fifth Third bank. There customer committed fraud. I been sending emails to here about this and she has not responded so I believe she intended to stiff me out of this monies and I would liked this looked into. her email address is XXXX and with offers up email listed as Deals discuss-XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-25

Lewisville, TX

Billing disputes

Credit card:

Complaint: I issued a dispute for a charge of {$350.00} with Fifth Third Credit Card Services for goods not received ( Case XXXX ). The charge was made on XX/XX/2016 and the dispute was issued on XX/XX/2016. I sent a written statement and supporting documents by certified mail on XX/XX/2016 and was received by Fifth Third on XX/XX/2016 ( USPS tracking number XXXX ). Fifth Third sent a letter stating that I have not responded to phone calls or mail correspondence soon after and reinstated the charge and assessed finance charges for the dispute that was later reversed but took several phone calls. Fifth Third then sent another letter with documentation from the merchant dated XX/XX/2016 and requested response by XX/XX/2016. The letter requested evidence indicating the merchant did not ship goods to the address merchant insisted was agreed upon. My follow-up letter with documentation was sent on XX/XX/2016 overnight ( USPS tracking number XXXX ). USPS tracking lists XXXX XXXX as the person who accepted the letter on XX/XX/2016 at XXXX XXXX. Within a week of sending this letter an undated letter was received from Fifth Third stating, " The dispute has been resolved in your favor, and a credit has been applied to your account in the amount listed above. '' On XX/XX/2016 a charge of the disputed amount from the merchant was reapplied to my account without any notification from Fifth Third. I contacted Fifth Third numerous times and several representatives ' stated Fifth Third had not received my letter dated XX/XX/2016. Another representative confirmed receipt of my letter and forwarded to the back office for review and requested a supervisor call me to issue an update and reason for the applied amount. On XX/XX/2016 XXXX a supervisor with Fifth Third left a voicemail on my personal phone stating the information sent in by the merchant does not support the case, but Mastercard requires a written response from me stating that I have reviewed documentation from the merchant and that I am still in dispute. On XX/XX/XXXX I returned Fifth Thirds call and spoke to XXXX at XXXX, XXXX stated Fifth Third required more information. On XX/XX/2016 I spoke with XXXX and requested a fax of all documentation pertaining to my dispute. XXXX stated it would take 3 business days to receive the fax and that someone would call prior to the fax being sent. On XX/XX/2016 I spoke with a supervisor name XXXX ( recorded conversation ) that indicated they had my letter dated XX/XX/2016. She said the reviewer still needed time to review my letter with documents and that she was going to report the reviewer to her supervisor for not updating my file in their system. XXXX confirmed I would be receiving a fax and telephone call regarding documentation requested from Fifth Third. I am still have not received the fax or telephone call from Fifth Third and the charges are still applied to my account. The dispute has now exceeded two billing cycles and 90 days. Fifth Third has not performed its duty to resolve my dispute. They have not properly handled information pertaining to my case and therefore could not resolve the case with in the required timeframe. I request the case be settled promptly and the information provided be reviewed. Secondly, I request all documents sent to me from this day forward to be dated, and that I receive a phone call from a manager with the authority to escalate and resolve this case.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-23

Chicago, IL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I got an email saying I need to update my information on a bank website but I do n't have an account with that bank. I feel that someone tried starting an account with this bank with my name. I 've kept the email just in case and the attached pictures are screenshots of the email on my phone.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-23

Hemby, NC

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-22

Sarasota, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-22

Euclid, OH

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I tried opening a XXXX account, but was being reported by Early Warnings, saying that I had a 5/3 Bank Account in my name I 've never banked with them before.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-21

Daytona Beach, FL

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

Walthill, NE

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-21

Atlanta, GA

Deposits and withdrawals

Bank account or service: Savings account

Complaint: Fifth Third Bank manipulated my account to obtain additional fees. They have violated banking practices by delayed posting of transactions resulting in a circle of misinformation and discrimination on the basis of account type. The bank advised me they process all transactions twice through overnight processing and systematically reject transactions to obtain ATM and overdraft fees on savings accounts which is not permitted and do not operate with the opt in or opt out policy for overdrafts as required by federal regulations. Upon notification to the bank I was advised their resolution was to coach their employees and continue operating under these practices despite knowledge this was against regulation. The reference ID I was given for this matter is XXXX and I spoke with XXXX and XXXX both supervisors in the department regarding these illegal practices.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-20

Hartsville, TN

Incorrect/missing disclosures or info

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-20

Fred, VA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-20

Stevensville, MI

Account opening, closing, or management

Bank account or service: Cashing a check without an account

Company Response: Closed with explanation

Disputed: No Timely Response