FIFTH THIRD FINANCIAL CORPORATION

2016-08-25

Holmes Center, IL

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: I tried to get a bank account with my current spouse and was denied due to a fraudulent account!!!! I have never banked with 5/3rd Bank in my life!!!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

OH

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Fifth Third Bank wrongfully charged me {$110.00} in overdraft fees during the week of XXXX XXXX, 2016. Specifically, on XXXX, I deposited via mobile deposit XXXX checks, XXXX for {$790.00} and the other for {$500.00}. Although XXXX checks were made payable to my son XXXX, he had properly endorsed them, and had written under his endorsement " Pay to the Order of XXXX XXXX ''. I then endorsed them. The next day we were traveling to return him to college. Since the checks were properly endorsed, I was surprised the next day to see that they were removed from my checking account. We stopped at a Fifth Third Bank along the way, and physically deposited the checks ( shown as XXXX deposit of {$1300.00} ). I spoke with the teller, who told me that the checks were taken from my account because of Fifth Third 's concern of fraud. I wish to note that I have deposited checks made payable to my company to my personal account without ever an issue. The teller checked, and said that our son XXXX information was stored on the Fifth Third database. Further, I was not given any notification that these checks were removed from my account. I only knew because I had checked my account. Since the checks were properly endorsed, and Fifth Third had information about XXXX, and I have previously deposited checks made payable to XXXX XXXX XXXX XXXX without incident, I believe that Fifth Third wrongfully removed these deposits from my account. Had the deposits remained, I would not have incurred the overdraft fee of {$37.00} on XXXX. I also incurred overdraft fees of {$74.00} on XXXX because the checks were " uncollected ''. Given that the checks had been properly deposited via the mobile app on XXXX, when they were actually physically deposited on XXXX, I believe I should have been given full access to all the funds immediately. I have tried to speak to Fifth Third about this, but the managers say they are unable to reverse the fees because I have had so many fees reversed in the last year. Yet, ALL of those fees were reversed because funds had been removed from my account by XXXX XXXX XXXX XXXX XXXX after I had revoked its authorization for electronic payments. Anthem did not oppose my dispute of the funds it had taken from my account. I also wish to note another {$74.00} in overdraft fees which occurred on XXXX/XXXX/16. Those fees should also be reversed. Please note that on XXXX, I had a balance of {$1100.00} in my account. On XXXX, I made a deposit of {$350.00}. The only checks which cleared on XXXX were for a total of {$1200.00}. Fifth Third adds {$100.00} from the deposit so the amount that Fifth Third considered to be in my account was {$1200.00}. So, I was charged {$74.00} in overdraft fees because I was short {$1.00}. The funds from that deposit were fully collected. I also complained about this overdraft, but was dismissed. I believe it is unconscionable for a customer who has been with a bank as long as I have to be charged {$74.00} because I was short {$1.00} from a deposit which is fully credited the following day. I am not rich, and these overdraft charges seriously affect me. I am asking that all the complained about overdrafts in the amount of {$180.00} be reversed, and the funds re deposited into my account. I am attaching copies of the account statements.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-25

Silver Spring, MD

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have an account with Fifth Third Bank. I checked my account and discovered that my student loan payment had gone through despite requesting a recalculation which typically results in the payment not being processed. This resulted in an overdraft and my account being - {$600.00}. I contacted the bank that financed my student and was advised of the process for requesting a refund. I was told that this could take up to 20 days. I immediately contacted Fifth Third customer service to ask questions about the overdraft and fees. I specifically asked if the fees were incurred per item per day the account is overdrawn. I was told that the fees were not assessed per day. I was told that of the {$110.00} in overdraft fees they would refund {$74.00}. I specifically asked that as long as no additional transactions would go through would I not be assessed any additional overdraft fees. I was assured that I would not. I checked my account today and I was charged another {$180.00} in overdraft fees. This time when I called the rep, I was told there were a total of XXXX items that cleared. I tried to explain to the rep that those transaction were conducted before the overdraft and most were pending when I spoke with the rep on the day prior. This rep stated that I had been misinformation the day before. Fifth third is no stranger to the CFPB for it 's misleading practices and deceptive fees. I do n't understand how XXXX reps working for the same entity can provide such different information. I explained that the overdraft was not my fault and I was not in a position to clear the overdraft before XXXX XXXX, XXXX. I have been a customer of the bank since XXXX and have been back and forth about their fees and policies for years. The one reason that I have yet to close my account is because of the fifth identity alert feature which provides some great credit monitoring benefits. But this is costing me more than it 's worth.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-25

Macclenny, FL

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Cleveland, OH

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Carson, MS

Disclosure verification of debt

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

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

Disputed: No Timely Response

2016-08-24

Briscoe, MO

Disclosure verification of debt

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

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

Disputed: No Timely Response

2016-08-24

Cincinnati, OH

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-24

Galena, OH

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I am upset that my mortgage company ( fifth third bank ) did not pay my property taxes from my escrow account when they came due in XXXX. Their reason was that because I refinanced my mortgage, it froze all transactions on my account. I was charged a {$130.00} late fee from the county because the payment was not received by XXXX/XXXX/2016. It should not matter that I was refinancing because they had an obligation to pay the taxes from my escrow. There was almost {$2700.00} in there and my taxes were XXXX.. We had not closed on our refi at the time the taxes were due, so if we had decided not to refi and stay with fifth third, they would have to pay them anyway. Fifth third stated that they could disperse my taxes but it would change my payoff and my new lender would have to request another payoff which would have prolonged the process. To resolve this, my new lender included the taxes in my new mortgage and dispersed them to the county when the loan funded on XXXX/XXXX/2016. The county received my tax payment today XXXX/XXXX/2016 and they are now current. Its frustrating because even though {$1300.00} is a small amount, I am now paying interest on this amount over the next 30 years because my taxes were not paid on time.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-23

Gastonia, NC

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Birch Run, MI

Disclosure verification of debt

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

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

Disputed: Yes Timely Response

2016-08-23

Westerville, OH

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Wadsworth, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

San Antonio, TX

False statements or representation

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

Impersonated an attorney or official
Complaint: Contacted me through email, address was " XXXX '' ( XXXXXXXXXXXX ) Documents attached state " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' Asked to send verification via usps, received letter from " XXXX XXXX XXXX '' return address checks out as a courthouse in CA. Letterhead states " professional litigation '' and " ... this law firm.. '' This firm also claims it had sent mail in the past. I have not recieved anything until recently. A " mimi-miranda '' or " attempt to collect '' was also not sent. As I feel more comfortable sending corresponsdence via certified mail, the courthouse address is not acceptable, especially when one is expected to send bank card info back via email ( XXXXXXXXXXXX ) or by fax.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

OH

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: When financing our vehicle we took a loan from Fifth Third Bank. On our Simple Interest Note and Security Agreement we paid XXXX dollars to Public Officials and XXXX dollars for Title Examination. Once we satisfied our lien in full we received a letter from Fifth Third Bank stating that in order to receive our title we must go to The Ohio XXXX and PURCHASE the title due to the fact that Ohio is a state which produces electronic titles. Ironically, one week before receiving Fifth Third 's letter we had just satisfied our lien on another car that we financed through XXXX XXXX. XXXX XXXX thanked us for our business, thanked us for satisfying our lien and ALSO sent us a PAPER Title. I spent over an hour on the phone with Fifth Third 's loan officer going round and round about how Ohio is a electronic title state and Fifth Third owes us no paper title. I spent another hour with a loan officer at a local Fifth Third branch going round and round about how Fifth Third owes us nothing since Ohio is an a electronic title state. No one could explain why I received a paper title from XXXX XXXX and not from Fifth Third. I was given a handful of excuses as to what the fees of XXXX dollars to Public Officials and XXXX dollars for Title Examination on our Simple Interest Note and Security Agreement really were. We will never consider Fifth Third again for any of our financial needs and urge other to be aware of their " roundabout '' ways of cheating their customers.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Gr, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Sarasota, FL

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

SD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I am selling my home Fifth Third bank had been contacted to verify the payoff balance and to verify the account. A flag was set internally with them. I have been paying my mortgage by auto transfer thru XXXX XXXX XXXX for years on the XXXX of every month. When they found out the account will be closed, they attempted to get one months extra interest by claiming the auto payment made on the XXXX for XXXX was not received. Their collections dept called saying I was delinquent claiming the payment was not received and took my bank accounts routing number and account number for a payment over the phone. I verified with XXXX XXXX XXXX that it was after that call was completed. I call back Fifth Third bank asking to refund the 2nd payment and explained that they 'd posted the 1st payment from my account and that they were wrong about the delinquent account. They refused and said they would just credit the 2nd payment toward the XXXX payment. The account will be closed before XXXX. XXXX XXXX XXXX said they ca n't do anything because the transaction had already been processed. You can see on the attached bank statement the withdrawal for {$900.00} on the XXXX and the XXXX for {$920.00} on the XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

Chicago, IL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Georgetown, IN

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-17

Hoffman Est, IL

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Chicago, IL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Grosse Ile, MI

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Fifth third banks calls non stop and out side out side of XXXX daily repeated calls and sends threatening after days of being withdrawn. They charge so many fees and are not willing to remove over XXXX pre year but they will charge up to three times for XXXX item and anything over XXXX $ which is unfair. They fees are extremely high and un necessary. They have violated my rights as a consumer and almost every way possible and they have done the same thing to my best friend as well.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Grosse Ile, MI

Communication tactics

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

Called outside of 8am-9pm
Complaint: They had called frequent and no stop repeated calls, they have called out side of XXXX, sent me threatening mail to take legal actions and they have done this to a friend of mines, as well. They are harassing me with the non stop calling and mailing of letters. They are mis leading, over charging, dis honest, un willing to work with customers and the calling is non stop and voice mails. They have violated all my right as a consumer.
Company Response: Closed with explanation

Disputed: No Timely Response