FIFTH THIRD FINANCIAL CORPORATION

2016-10-28

Etna, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Shelby, NC

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Blackbird, DE

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Chicago, IL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I disputed a charge from bank account in XXXX 2016 regarding a charge from XXXX rental car. I was involved in a car accident and XXXX paid XXXX the money owed for the rental car. I confirmed with XXXX that the check was cashed by XXXX on XXXX for the amount that I was disputing. I contact XXXX on several occasions and was advised they would send me a check for the balance that was deducted from my bank account, the amount was {$590.00}. I was advised by the store manager of XXXX that the check would take 6-8 weeks it has now been 9weeks,. I contact XXXX a few weeks ago and was advised by one of there associates to dispute the charge with my bank and that this will resolve everything. Yesterday the bank declined the dispute and took all my money from my account without any notification. With that being done I contact the bank and they stated their is nothing I can do.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Itasca, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Oviedo, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Houston, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

OH

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I opened an account with Fifth Third bank on XX/XX/XXXX. I received my retirement income by auto deposit on XX/XX/XXXX. I also had made a deposit of {$500.00} by Phone pic which was a CASHIERS CHECK. I went to bed on XX/XX/XXXX with {$120.00} in the bank. I woke up on XX/XX/XXXX to find that I was negative {$300.00} in fees because they decided that they could read the Computer printed Cashiers check. I took the check to the bank personally and they still want to charge late fees. Now they are going back and simply cancelling all of my payments I made by computer ( Heath Insurance, Car Payments ) to add positive money to their account which is all negative fees. NO END IN SIGHT. They refuse to remove fake negative fees.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-26

North Olmsted, OH

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: No Timely Response

2016-10-26

Gr, MI

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: This complaint is focused on the fact that 5/3 Bank did not need to secure a hard copy of my credit report because the XXXX pre- personal loan application failed before it went to underwriting.On XX/XX/2016 I applied for an unsecured line of credit in person at 5/3 bank and brought a XXXX credit report on myself dated XX/XX/2016.I met XXXX XXXX from 5/3 face to face to go over my complete credit info on XXXX XXXX the application date.I told him I was requesting a pre approval application before 5/3 bank hit my credit report for a hard copy.He refused as I requested to get underwriting on his speakerphone and He was just too lazy to do conduct a pre-application approval.On XX/XX/2016 I received a letter from 5/3 underwriting which detailed the XXXX reasons why the application was refused based on my XXXX credit report they did not need to acquire.The XXXX reasons were ; insufficient credit experience and number of credit inquiries which were XXXX they reported which matched The XXXX credit report I brought in to XXXX XXXX on XX/XX/2016.In addition all of the creditors listed on my report dated XX/XX/2016 exactly matched the ones listed on the duplicate report from XXXX dated XX/XX/2016 requested by 5/3 bank. This is nothing more than 5/3 bank malisciously abusing their authority and ability to secure unnecessary credit reports which as you know are terribly damaging to the consumer. All the Bank had to do was look at the XXXX credit report I presented which matched exactly the XXXX report they requested on XX/XX/2016 and the pre-application would have been denied after discussing my credit report dated XX/XX/2016 with 5/3 underwriting.Now I have to endure the unnecessary pain caused by 5/3 bank to my FICO score. I am asking the CFPB to demand that 5/3 bank request a redaction of the XXXX credit report request since they did not follow well established bank policies.I am XXXX years of age and have dealt with 5/3 and it 's excellent predecessor XXXX.I always for any loan application have been given a chance to pass the pre-application process before going to underwriting ; from real estate to installment loans both encumbered or unencumbered this is a very basic tenet of the banking business.XXXX has attempted to take an easy shortcut so He could not fulfill my request for a pre-application loan approval.He was too busy discussing a non issue by underwriting on my credit report with me that had to do with a PAID tax lien All He had to do was put XX/XX/2016 underwriting on the speaker phone and after discussing the findings from the XXXX credit report I brought then underwriting would have denied the pre-approval application.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-25

Crystal Lake, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Indianapolis, IN

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Detroit, MI

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Cincinnati, OH

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I bank with Fifth Third Bank in XXXX Ohio. I have a business checking, personal checking, savings, and XXXX investment accounts with them. I deposited a business check from a customer out of state that I have deposited XXXX checks in the past two and a half years without any problems with regard to XXXX. I have not deposited a bad check since opening my account with Fifth Third in XXXX. The check was deposited on XXXX XXXX, XXXX and cleared by the bank that it was drawn on on XXXX XXXX, XXXX. Funds were withheld from my use until XXXX XXXX, XXXX. It 's obvious to me that Fifth Third Bank has the use of MY money from XXXX XXXX to XXXX XXXX, XXXX and therefore making money off of my money without compensating me. Is this practice one that is condoned by CFPB?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Newnan, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I Applied for A Mortgage loan with 5/3 Bank in 2012 for A repossessed house and the house needed some repairs too. So the loan XXXX at the Bank XXXX that I use the Banks own XXXX to repair the House before the loan will be Approved I agreed. The job was n't done right or on time so I Contacted the bank again to tell them the XXXX of the job that their XXXX did. So the Bank sent an XXXX 5 times to my House because their XXXX told them that the House was Completed. Coming to find out from the XXXX that the XXXX was XXXX and the XXXX was XXXX. So because I refused to sign the XXXX from the Bank to the XXXX he filed a lawsuit against me and the Bank. So the bank Charged me {$940.00} Stating that they had to file a response to the Lawsuit even though it 's the Banks XXXX that did n't complete the job like he was supposed to. We went to court and the Bank Settled with me so that they 'll be out of the case and then they turn around and add the {$950.00} to my Mortgage payment. So I 'm paying extra towards my principal and the bank is taking the extra as a payment for {$940.00} which I do not owe them for ... ..
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-24

Hilliard, OH

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-24

Orlando, FL

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Columbus, OH

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My 5/3 credit card was stolen and it now has a $ XXXX balance. I 've contacted Fifth Third several times and they ignore me. I am not going to pay for this, as I 've already told them that these charges were not made by me. They send me letters and call me constantly and I always tell them the same - I am NOT paying for transactions I DID NOT MAKE. If they do n't remove these charges and stop the harassment, I will take legal action.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-10-23

Sarasota, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-21

Naperville, IL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-21

Bremen, GA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

Chicago, IL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XX/XX/XXXX16 at XXXX XXXX I withdrew {$300.00} from my checking account which incurred a XXXX overdraft fee as per the overdraft agreement. Since I signed the agreement willingly, I am fully aware that I would be charged a fee and had no issue with the fee for {$300.00} transaction, however I do take issue with being charged an additional {$37.00} overdraft fee for a transaction that occurred at least 6 hours prior to the withdrawal as shown by the banks own documentation and could have been paid, saving me from paying an additional fee. I feel that this is a perfect example of " stacking '', where the bank does not post transactions as they occur or as in " real-time '' as I consider it. The bank documentation clearly shows that the recurring expected transaction occurred on XXXX at XXXX, which would have meant that prior to XXXX on this same day, I had XXXX in the checking account and therefore, enough to cover the recurring expected transaction which would not have incurred an overdraft fee had the recurring item been posted as it actually occurred. I firmly believe the bank should reverse XXXX of the overdraft fees. I am perfectly willing to pay a fee for the withdrawal transaction as per the agreement I signed, but I should not have to pay a fee for something that I actually had the money in the account to cover.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-20

Pittsburgh, PA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

Charles A Hayes, IL

Credit decision / Underwriting

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-19

Rockwell, NC

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response