FIFTH THIRD FINANCIAL CORPORATION

2016-11-30

FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Over past few weeks have been receiving phone calls that caller ID identifies as Fifth / Third bank. the # is XXXX. When I pick up and answer there is silence on the other end of the line ( I can not tell if its a human or a robot. After a few moments the phone will disconnect. Yesterday I call 5/3 @ XXXX to verify if the phone # calling me was a 5/3 # ... after being put on hold the representative came back on the line & stated that YES ... THIS # IS FROM THEIR COLLECTIONS DEPARTMENT, ( SHE ADMITTED THAT 5/3 WAS MAKING THESE CALLS ) plus I have had other similar calls from other # 's .... 15 USC 1692F ss 806 ( 5 ) Seems clear regarding this type of call. THESE ARE HARRASSING PHONE CALLS. IT 'S INCONCEIVABLE TO ME THAT A BANK WOULD ACT IN SUCH A DISPICABLE MANNER, I do n't even believe it is me that they 'd be trying to contact ... PLEASE HELP WITH THIS ISSUE Thank You.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Everett, WA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: First things first I had thought I had switched from doing monthly payments earlier this year to auto-deduction-style for my auto loan with XXXX XXXX Bank. I was mistaken in this assumption from my conversation with them and once my scheduled payments ended my loan payments went late. During a lapse in my payments to XXXX XXXX Bank for my automotive loan instead of calling me on my personal cell phone number which they had on file and which I had their number saved, they called my work phone number repeatedly from numbers that are not registered to XXXX Third bank. Since it was my work phone, I let all non-work related phone calls go to voice-mail and I call them back at a better time, however all numbers came up as well documented spam when researched, when called back were all non-functioning and I could not find out who called. Most importantly they never left a single message in voicemail in their attempts. They did tell me during my discussion while getting my account in good standing that they had sent me physical mail, however they all came in the same packaging as my payments had the prior 4 years of my loan, so I either did not open them in thoughts there was nothing out of the ordinary, or possibly a few of them were stolen ( XXXX, WA mail theft is astonishingly high this year ). Unfortunately the damage was already done, my vehicle was repossessed, and I was charged exorbitant fees in which to get my vehicle back. A good example was the repossession fee of over {$500.00} when the actual bill for the repossession ( I saw it on the towing company 's desk ) was only {$280.00}. The gentleman from XXXX XXXX XXXX was a fantastic man to deal with ( although unfortunate that I had to work with him in the first place! ), however I did feel somewhat wronged by the differences and price gouging in their setup. These few dollars almost made the difference of me getting my vehicle back or losing it permanently. Here is my call log below with the information i received when I called the numbers back. As well as their ratings online, and how many times they called me on each day. ( apologies for XXXX spreadsheet formatting here ) " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX " The number you have reached is not in service, this is a recording '' - XXXX " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX XXXX Spam rating of 80 % online, XXXX , IL Called : XXXX XXXX 5 hrs diff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spam rating of 80 % online, XXXX , TX Called : XXXX XXXX XXXX XXXX 1 hr diff XXXX XXXX 2.5 hrs diff XXXX XXXX XXXX Spam rating of 100 % online, XXXX XXXX , MO Called : XXXX XXXX XXXX XXXX 31 min diff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spam rating of 70 % online, XXXX , NC Called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Calls for 1 month : XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Arco, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-29

Ventnor Heights, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have an auto loan through fifth third bank. they stated that they sent me 3 to 4 letters requesting my insurance information which I received none .. although they have my phone number listed on file I received no phone calls from them. They took an extra {$410.00} out of my bank unauthorized on top of my normal {$450.00} car payment as a punishment of not giving them my insurance information in XXXX. I immediately notified my insurance company to provide them with my current insurance and to show that NO lapse in coverage has ever been with regards to my vehicle. I was told by fifth third bank that it would take 3 to 4 weeks to refund my money to this day I still have not received a refund of the {$410.00} after providing The requested documentation .... fifth third bank then took out an extra {$410.00} on top of my normal {$450.00} payment in XXXX even though they received my insurance information this transaction overdrew my account charging me overdraft fees through my bank. fifth third bank now owes me {$820.00} and I have not received any of it back and I 'm being told I have to wait for their process when I live paycheck to paycheck for like 80 % of the population. and they really do n't care and they are in no rush to give me my money back when they had no right to take it out to begin with.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-29

Mount Holly, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I am complaining in the strongest possible terms about the circumstances regarding my house insurance premium not being paid to date. 5/3 Bank has absolved me of the responsibility of paying the premium myself through the use of your escrow system. My premium was due on XX/XX/XXXX last. I received a letter from XXXX informing me that our policy was about to be cancelled on XX/XX/XXXX at XXXX. Letter dated XX/XX/2016. I received the letter on XX/XX/2016. I was on the phone at approximately XXXX, only to be disconnected at XXXX by your customer service rep XXXX. I then drove to the branch in downtown XXXX at XXXX. I sat with XXXX while she went through phone queue hell. While on hold, she explained to me that there was a glitch due to the bank having changed escrow providers, she also pulled up an internal email explaining to the staff of this problem. Your customers, me, were not informed of any problems with this at all, I had to find this out on XXXX when I visited the branch. XXXX was then told that the check to XXXX was in process and would be mailed the next day ( XX/XX/XXXX ) I was also told by XXXX, after she got in touch with XXXX, that if a check number could be supplied, it would give me a 10-day extension. Of course, there was no check number available. I left the branch at XXXX I got a voicemail from customer service on XX/XX/XXXX at XXXX explaining that the check had already processed and that a next day delivery was not an option. I checked my insurance online today and still no payment to the insurance company. I then went to the branch in downtown XXXX at XXXX and spoke to XXXX , ( or XXXX ) We spent over an hour in the phone queue to the Escrow department. We found out that the check was not mailed out till XX/XX/XXXX. We got the check number so that I could forward it on to XXXX insurance, if they do n't receive the check on the XXXX. I left the branch at XXXX. What I would like is the following : An explanation as to why none of your customers were informed of this issue. An assurance from 5/3 Bank that it will assume any responsibility for any claims that may arise until the insurance is back in force and in good standing An explanation as to why I was lied to at the branch about payment being made. Compensation for time spent trying to rectify this issue, in my case, 3 hours at my overtime rate of {$36.00} an hour. This is time that I used in excess of my normal working day.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-28

Library, PA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-28

Foster, OH

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-28

Jupiter, FL

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-25

Williamston, MI

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-24

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-24

Ft Myers, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: All Payments have been made to fifth third bank they reported me for fraud which is a lie I was giving a bad check I never withdrew the money from the bank so how is that fraud I even paid the bounce check fee I have disputed the issue and they reported me to checking account agencies which want allow me to open accounts after I paid them XXXX yes chump change and they acting like I stole XXXX dollars Filed a false claim under my name for their own personal Agendas.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-23

Roseville, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-22

Naples, FL

Other transaction issues

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-22

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-22

Sanders, KY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-22

Ann Arbor, MI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-22

Grosse Ile, MI

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-21

Sanders, KY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX XXXX an employee of ours forged my name on a company check and cashed it for {$2000.00}. After an audit of the account in XXXX this fraudulent check was found. I went to the police and they obtained pictures of her cashing the check, the cancelled checked. I pressed charges against her, she admitted to signing and cashing it and she was arrested and charged accordingly. We filled out a Domestic Collections Fraud Packet Information with 5th/3rd Bank on XXXX XXXX. 2016, and submitted it to the Bank. After countless phone calls and transfers to different departments to check on the status of the Forgery/Fraud Instrument Affidavit we were advised it could take up to 45 days before review and refund of our money. Today we received a letter from the Dispute Resolutions Manager at 5th/3rd Bank, that our claim for Check Fraud had been declined due to " past time frame to dispute ''. It was less than 4 months before we found the forged check. I do feel this is adequate time in which to gather information and proof of this crime. The is a business account and is very active. The 5th/3rd Account is a secondary account and was not immediately looked into for forgeries. We feel that only giving 30 days to file the Forgery/Fraud Claim is not sufficient time for a crime taking place at a business, After all, it takes 5th/3rd Bank 45 days to come to a decision on this claim.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-18

New Albany, OH

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-18

Jupiter, FL

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-18

Long Island City, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-18

Louisville, KY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-18

Douglas, MI

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: Our home owner insurance policy was cancelled due to no payment from our mortgage escrow account. We 've tried repeatedly to get answers from our lender with no success. We decided to pay our insurance premium directly to maintain coverage. Frustrating because this is money we already paid the mortgage company.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-18

Grosse Ile, MI

Using a debit or ATM card

Bank account or service: Checking account

Complaint: FIFTH THIRD BANK ( 53 ) Unfair banking practices- Overdraft fees XX/XX/2016 : I was forced to write a check at the grocery store because I had left my debit card/cash at home. Later that evening, I took cash money to the local ATM to make a deposit just to be safe ( prevent any NSF fees ) I had direct deposit scheduled for XX/XX/2016 ( they were closed on Monday XX/XX/XXXX for XXXX ) but, was unable to deposit the money due to " out of service '' notice on ATM screen. The Direct Deposit deposited on XX/XX/XXXX and all the checks that had been written over the past week and weekend were also debited that day however, all debits were removed BEFORE the deposit was credited to the account and I was charged {$74.00} in NSF fees. There has also been an instance of fraudulent charges being placed on the account, my balance depleted below the amount to cover pending checks. I was issued credits for the fraudulent charges however, the bank refused to remove the NSF fees that incurred due to those charges. The bank also did not cancel the card as requested during those disputes and the charges reappeared on my account 2-3 weeks later along with more NSF fees caused by those charges. Again, the fraudulent charges were removed but, they refused to remove the NSF fees- they did however, state they cancelled the card. They also informed me I would not have access to online banking or mobile banking for 7-10 days while the account was " undergoing updates '' so I am unable to verify anything on the account. Thirdly, the bank ALWAYS orders transactions so deposits are credited last and online payments are debited before the deposit is credited. AGAIN, fees have been incurred because of the way the bank CHOOSES to order these transactions- I have lost several hundred dollars due to these issues and the bank refuses to assist me with rectifying these issues.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-18

Augusta, GA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response