FIFTH THIRD FINANCIAL CORPORATION

2019-08-22

Carthage, OH

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation

Timely Response

2019-08-21

VA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: I purchased a new on car on XXXX XXXX, XXXX the finance manager applied an extended warranty on my vehicle with out my permission. I told the financial Manager on XXXX XXXX, XXXX. I didn't want the extended warranty applied to my loan extra charges were applied .I didn't notice it during the transactions, I took my paper work to my father and sibling and they looked at my contract and my father noticed their were extra charges was applied to my loan, I went back to the dealership. and I informed him that I didn't want and extended warranty on my contract, I asked the finance manager for my receipt and he said he didn't have to give it to me. I ask him to remove it after one week, He said verbally he would take it off and a week later, I went back to the dealership and he finally gave me my receipt after my third visit weeks have gone by the extended warranty is still on my contract, I notified the bank until this very day it's still haven't been removed. My receipt was given to me on XXXX XXXX, XXXX it said in XXXX XXXX XXXX the extended warranty was going to be removed in that time frame it's going on XXXX the XXXX XXXX. I called the manager and he said he notified the Finance Manager while he was at home that was on XXXX XXXX,XXXX. He said it would take six weeks from the twenty one day mark. I haven't bought a new car in over twenty years and I felt like the Finance Manager and the store manager took the advantage of me as a female. I went to another bank to refinance my loan.I can't get my car refinanced until the extended warranty is removed from my account.
Company Response: Closed with explanation

Timely Response

2019-08-21

Gr, MI

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: XX/XX/2019Regarding: Fifth Third BankTo Whom It Concerns,My husband and I have had our Checking account with Fifth Third Bank/XXXX XXXX XXXX for a number of years. My husband died this past XX/XX/2019. I have resumed the relationship with Fifth Third Bank in changing the account name into my name only (XX/XX/2019). My husband received a lump sum (XX/XX/2019) of Social Security Disability and a single payment (XX/XX/2019) in July. Knowing the XX/XX/XXXX payment, that I was not entitled to and possibly a portion of the lump sum. I went to the Social Security office in XXXX XXXX (XX/XX/2019) to bring this to their attention as well as my Spousal Disbursement. In the conversation with Social Security, it was my understanding they were to bill me for the overpayment. Fifth Third placed the hold on XX/XX/2019 and NO notification was sent to me, regarding the hold of the Reclamation in the amount of $XXXX. It came to my attention on XX/XX/2019 talking with a Fifth Third representative that Social Security placed a hold on the funds, 13 days with NO notification from Social Security or Fifth Third thus harming my reputation. Within the week, I wrote a check to my attorney and was notified by him that the check bounced. Had I known the full amount was held, I would have used my account at another institution to write the check. XXXXNote: If at the time the RDFI first receives information of death, all or part of the post-death benefit payments have already been withdrawn from the account, the government does not authorize the RDFI to try to recover the funds from the withdrawer. If the RDFI does so, it acts under its own authority in terms of its contract with its depositor or under state law.Holding Payments Under no circumstances should an RDFI hold payments indefinitely in a suspense account, or by any other means, nor should payments otherwise be held if any of the conditions apply on when to return a payment. Holding payments may constitute a breach of the RDFI’s warranty for the handling of Federal government ACH payments under 31 CFR 210 and could result in an RDFI’s inability to limit its liabilityI have another issue that has come to light on a regular deposit on XX/XX/XXXX, I made at an ATM (XXXX XXXX) for $XXXX. This ATM does not accept envelopes but takes pictures of the checks/deposit and shows the check(s) on the screen. However, looking at my On-Line Fifth Third banking, on XX/XX/XXXX I noticed a $XXXX. Debit on XX/XX/XXXX. I called the Customer Care and was told that the machine/person could not read the check and was then debited my account, the same amount of the check. In this conversation the Customer Care Representative stated the check was discarded and I should receive a notice the end of this week. I feel Fifth Third should of called/emailed (they have this personal information) regarding this and not disregard the check but look into the situation and resolve this immediately. In addition I am fairly certain there are reconciliation requirement that Fifth Third need to abide to that would allow me to see the image that they felt was not legible.Frustrated
Company Response: Closed with explanation

Timely Response

2019-08-21

Columbus, OH

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-08-20

Dallas, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: On XX/XX/2018 these companys did I hard inquiry on y Credit Report and i did not ask them or give them my permission to do this I have talked with all credit bureaus and they say they will not help or investiagte inquirys I am looking for the companys to provide proof that I gave them permission to run my credit reports
Company Response: Closed with explanation

Timely Response

2019-08-20

Firestone Park, CA

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2019-08-20

Las Vegas, NV

Closing an account

Checking or savings account: Other banking product or service

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-08-20

Helt, IN

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-08-20

Toledo, OH

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-20

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-08-20

Hemby, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-20

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-19

Aberdeen, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-08-19

Port Reading, NJ

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2019-08-19

Washington, DC

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: The loan was purchased from MB Financial by Fifth Third Bank in mid-2019. I have made no less than 6 contacts with Fifth Third Bank via mail, the web portal and customer service to have the loan automatically debited from my account after it was purchased by Fifth Third Bank. Each time, they do not complete the transaction and are now saying that I am past due on the loan. Each time, they asked for my routing and checking account number and I have provided it. They have yet to resolve the payment issue for past payments. They claim that future payments will be debited from my account but the jury is out. I am now concerned that the bank does not have the financial controls in place to protect my personally identifiable information, especially if they cannot process a payment correctly, multiple times.
Company Response: Closed with explanation

Timely Response

2019-08-19

Brigantine, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-17

Lewiston, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-16

Matthews, NC

Problem caused by your funds being low

Checking or savings account: Checking account

Bounced checks or returned payments
Company Response: Closed with explanation

Timely Response

2019-08-15

Lakewood, WA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with non-monetary relief

Timely Response

2019-08-14

Plymouth, MI

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-08-14

Eldora, PA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-08-13

Chicago, IL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: fifth third Bank has failed to resolve any of the previous complaints in particular recently I've had to just closed out every account with them less to checking account due to the company not responding to the various complaints that have been filed fifth third Bank has refused outright to even file and accept disputing a transaction I had a transaction that was unauthorized because my card was stolen and I believe the total charge was {$22.00} and some change of gas from XXXX gas station when I called into the deceased department in the fraud department I was told that they were disputing the transaction but that is not actually what happened they did not dispute the transaction and I was prompt it to go again and follow a whole nother series an extra steps to dispute the transaction that I had already called in for this is a separate complaint in regard solely to the issue of a {$22.00} charge on my secured card that was not authorized nor did fifth third Bank accept and honor the disputed transaction so after being forced to close the account due to the continued customer service the funds were never released back to me and never honored back as a disputed transaction
Company Response: Closed with explanation

Timely Response

2019-08-13

Gloucester City, NJ

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: On XX/XX/XXXX I wrote a check for XXXX for my car loan. The monthly payment is $XXXX. I wrote on the check to apply $XXXX to principal. (I have sent in checks before to add extra to principal and have not had any problems). On XX/XX/XXXX The check was cashed for $XXXX.On XX/XX/XXXX I was at the bank checking about other transactions and realized there was more in my account than I thought should be there. Later that night something woke me and I started thinking about my statement. I was looking it over and discovered the above mentioned error. I called the automated loan number to verify the transaction and if it had been corrected. It had not. I also contacted my bank that night and let them know about the error.On XX/XX/XXXX I called the bank that I have the loan with regarding the mistake. The person I talked with told me to fax a copy of the check to that bank. I called the personal banker that I usually do business with at my bank and told her what was going on. She faxed the copy of the check over to the other bank.Since then I have been checking my loan balance everyday. The only change is interest accruing (More than half shouldn't be).On XX/XX/XXXX I called the bank again to see what the status was on fixing their error. They told me it would take 5-7 business days. I was still concerned about this so I made the first available appointment for XX/XX/XXXX. On the night of XX/XX/XXXX, I checked my balance at my bank and $XXXX was taken out of my account on XX/XX/XXXX. I checked my loan balance and it had not been applied to the loan.XX/XX/XXXX With the assistance of the personal banker that I usually helps me, I contacted the bank with the loan again and spoke with a customer representative. I was told that it was being processed. My banker and I were not comfortable with the situation; why was the money withdrawn from my account on XX/XX/XXXX and still not applied to loan as of today XX/XX/XXXX. My banker then called another department within my bank and found out that the $XXXX was transferred to the other bank for the loan based on my phone call on XX/XX/XXXX as I said it before it still hasn't been applied yet.I was also wondering how they could cash a check that I mailed out on XX/XX/XXXX by XX/XX/XXXX and it's taking them so long to correct this error.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-13

Saint Clair Shores, MI

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-08-12

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Complaint: I received a call today, XX/XX/XXXX, from someone calling from a " XXXX '' number stating that I was being sued. They stated they could not give me any information because they were only a process server and the file was sealed and certified. They attempted to verify my name and last 4 of my SS #. I told them that the name they were verifying was incorrect, but the last 4 of the social were correct. I again asked them for more information regarding the company etc. to which they responded they did not know but would connect me with the company if I wanted further details. Upon being connected with the company, they told me the call was being monitored and recorded for quality assurance purposes and attempted to verify my name and last 4 of my social. I again told them that they had the wrong name. They said they were a mediation service trying to serve me for a lawsuit, plaintiff being XXXX Bank. I asked them what the name of their debt collection company was and they insisted that they were only mediators attempting to locate me for the suit. I then asked them from what year is the debt, and they stated XXXX. I asked them why they were trying to collect on a debt that was more than 10 years old. They stated that they were not collecting on a debt, but only trying to notify me of suit. I told them that I had no knowledge of the debt, and then asked them what their address was because I would be filing a legal suit against them. The CSR told me XXXX, TX, and I asked if they were licensed and bonded to collect in Ill. They then stated that they did not have to be as they were not a debt collection agency. I again told the CSR that I did not have any knowledge of the debt. Upon further investigation it does look like this is a debt collection agency and that they are misleading with false misrepresentations about what kind of business they are operating. Furthermore, under the FDCPA laws they are not legally allowed to collect on this zombie debt of more than 10 years.
Company Response: Closed with explanation

Timely Response