FIFTH THIRD FINANCIAL CORPORATION

2016-08-16

Lansing, MI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Northwood, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Orion Twp, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-15

Calumet Park, IL

Problems caused by my funds being low

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-15

Conway, SC

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-14

Louisville, KY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I had applied for a mortgage refinance with Fifth Third Bank. During the application process I had to withdraw my application because my personal plans had fallen through. On XXXX XXXX I was required to pay {$350.00} for a home appraisal which was never performed. When I asked about refunding the the appraisal fee I was told it was not possible and that the bank would keep it and consider it an application fee instead. They explained that because I had signed an intent to proceed with the loan they could keep the money. Is this correct? Fifth Third bank XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-13

Delray Beach, FL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Cartersville, SC

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-11

South Florida, FL

Deposits and withdrawals

Bank account or service: Cashing a check without an account

Complaint: On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX in the amount of {$500.00} dollars. I have deposited this check via mobile app to my XXXX XXXX XXXX Account. After a while I noticed that this moneys were never deposited so I contacted XXXX XXXX XXXX customer service to search for this deposit. After lengthy phone calls I received a letter from XXXX XXXX XXXX instructing me to bring the original check to the XXXX XXXX XXXX physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. I re deposited this check on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at FIFTH THIRD BANK on XXXX/XXXX/XXXX. I have never deposited this check to FIFTH THIRD BANK! I have NEVER owned an account there I never even heard of this bank. I contacted FIFTH THIRD BANK to see what happened to my check. They said that they cant research this check because there is information missing and that I am not their customer. I asked FIFTH THIRD BANK to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. The bottom line is that I deposited this check on my mobile app to my personal account in XXXX XXXX XXXX the money never showed up and according to XXXX XXXX XXXX this check was cashed at Fifth Third Bank but the check or the deposit cant be researched. I suspect a fraud or software issue because I only deposited this check to XXXX XXXX XXXX and they are claiming that I mobile deposited it in FIFTH THIRD BANK! Please help!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Saint Clair, MO

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I have been working through the red tape presented by Fifth Third Bank as the Mortgage Company, insurance checks were issued to Fifth Third Bank and us as the homeowners. Upon receiving the insurance checks, I notified Fifth Third Bank and asked for guidance on the necessary steps required to assure a smooth transition of endorsing the checks and making payment to the contractor. Upon receipt of the final settlement checks, I received notification from Fifth Third Bank of additional documentation required. All requirements should have been disclosed by Fifth Third Bank during my initial inquiry. Much of this documentation could have been provided months ago to assure no delays in making final payment to the contractor. Two months after the job was completed to the satisfaction of XXXX XXXX and myself, I have been presented with additional requirements which are causing further delay of final payment to the contractor. It is understood your need for the insurance estimate details and the Contractor 's work order which outlines the work to be performed and materials necessary to complete the job. However, it is unacceptable to require an inspection of this job be completed by an inspection company of Fifth Third Bank 's choice, at my expense. XXXX XXXX has verified completion of the work performed, to their satisfaction, with a final inspection at no cost to us the homeowners, for which they have made payment. Fifth Third Bank is now interested in working with me " to ensure that my home is restored to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company will be able to demonstrate that the work performed on my home restored it " to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company assessed the damages to my home prior to the contractor beginning the job. The only thing that Fifth Third Bank is able to assure is payment to their chosen inspection company, at my expense. This is absolutely unacceptable. I 've requesting that Fifth Third Bank waive the need for an inspection, at my expense. There will be no basis for which this inspection could possibly demonstrate the before and after state of my home. To ensure that the work being performed on my home was of quality craftsmanship and done to the specifications of the estimate, I monitored this job by being on site and visible. This required me to take time off from work, at my expense. With that said, Fifth Third Bank is welcome to send an inspector of its choice, at its expense. By pursuing an inspection at my expense, a formal complaint with the Consumer Financial Protection Bureau will be filed.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-11

Wonder Lake, IL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: XXXX XXXX XXXX XXXX XXXX, d/b/a XXXX XXXX FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX This firm called my elderly mother looking for me, she 's in XXXX, I 'm in XXXX. They tried to have her " identify me '' by telling her my former addresses ( what? ). They told her I need to sign a legal or court document called a " Preliminary Notice of Further Action '' regarding a debt w/in 72 hours. They left a number for me to call back. I called it and was told this is XXXX XXXX ; we were hired by someone who is collecting a debt for 5/3Bank. ( I googled XXXX XXXX and found on page XXXX the FTC data ). XXXX said they were calling " to establish my direct refusal to pay ''. I asked him to ID the debt before I refused to pay it, he gave me XXXX digits, I said this does n't help. I asked for the nature of the debt, he said an installment loan. I said I never had an installment loan - I 've had many accounts with 5/3, but most were deposits and my HELOC was repaid 4-5 years ago in full. He said he would recommend that his client file a " Preliminary Notice of Further Action '', then. I asked what that was and said he should hold off and just send me a proof of debt, he refused, and said it would take too long. I told him I pay my debts if I owe them - I then asked him to read the itemization on this account. He said he would email my file to me if I would read it now. I was at work, and told him that 's not a secure way to transmit this info, and again asked him to mail me his records. I asked how else can I determine what the account he has is. I do n't think I finished before he hung up on me. I have been called by XXXX-XXXX other collection firms over 3 years about a phantom 5/3 account. I always ask for proof of the debt and an itemization of charges because I do not know of any current 5/3 debt. After that I never hear back from that collector. My poor Mom is freaked out, she wants to know if I need money or if I 'm in trouble, she 's unnecessarily worried. I 'm fine, healthy, well employed and do not need her help. This XXXX! I need your help!!. I called 5/3 and was told they have no active accounts of mine, but they might have sold some debt, or maybe not. I asked what debt and was told " maybe not ''.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Palm Harbor, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-09

Orange Park, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Calumet Park, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Columbus, OH

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Wesley Chapel, FL

Settlement process and costs

Mortgage: FHA mortgage

Complaint: Refinanced home with 5/3rd Bank in XXXX of XXXX. The statement on XXXX showed a charge posted on XXXX of {$1300.00}, listed as " SHORT PAYOFF ''. The explanations I have received over the phone have been unclear and seem to indicate a mistake being made in the original closing. They have said that we were credited twice for something. I have requested in that an explanation be sent to me in writing with all the math. I have not received that information and am concerned that INTEREST is accumulating on that fee, charge, or whatever they want to call it. I have spoken with the person at XXXX on : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; and XXXX/XXXX/XXXX. I find it hard to believe that they can can not explain this charge.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-09

Glenmont, OH

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Unbeknownst to me I found out that my home was in foreclosure, because I started receiving letters from local attorneys offering to help me with my foreclosure. I was completely blindsided. I contacted my bank and was told that I had missed making 8 payments, hence the foreclosure. I tracked all payments coming out of my checking account and brought that to the attention of the bank representative that I was talking to. She discovered that all of the last 8 payments had been applied to my escrow account. In fact the most recent payment was denied on XXXX XXXX and supposedly returned to my checking account on XXXX XXXX. I have not received the returned check. I have been a widow for a year and a half and due to the unexpected death I was left with XXXX vehicles to make payments on. I was just informed by my nephew who was borrowing one of the vehicles that it was repossessed from his home. Payments had also been made, some a little late. I want to keep the house, along with a loan modification, the payments applied correctly and my missing money returned.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-08

Mason, OH

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Cimarron Hills, CO

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-08

Syringa, VA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I had a lien through Fifth Third bank on my vehicle. I paid the lien off on XXXX XXXX, 2016 and it is now XXXX XXXX. I have called for the past two weeks to have them fax a document over to VA DMV with the notice that my lien has been paid in full and to release the title so that I can transfer it over to the new buyer. I have explained to 53rd that I do not need the actual title and just a lien release statement. To this day they have still refused to fax anything over. They have also told me on several occasions they are faxing the docuemtnation over. Each time this has happened they have not actually faxed anything to DMV. I have requested to speak with a supervisor, but only been told no one can come to the phone to help me out and just left on hold. The letter that was sent to DMV was a notice acknowledging they have received my wire transfer and the loan has been paid off. However it did not include my VIN # or the vehicle. They keep telling me the transfer is still being processed and I must wait 10 full business days before my lien is released.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Walden, CO

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: We have our mortgage loan with 5th 3rd Bank. On XXXX XXXX we left for a 2 month vacation in XXXX. Our mortgage payment at the time was {$2200.00}. Our bank is set up to send the {$2200.00} every month. On XXXX XXXX ( XXXX date ) I decided to check our phone messages for voice mails. We did n't have anything important, but I did notice that 5th 3rd Mortgage had called several times, but never left a message. I decided to call to inquire why they had called. They informed us that our XXXX and XXXX payment was not paid in full. They said we were showing late, but late charges had been charged. I spoke with XXXX and she stated that due to the time of the day she could only take the amount needed to make up the difference to make the payments in full. She took a payment over the phone of {$200.00}. She stated that the payment would be made in full and everything would be fine. She stated that I would need to call when they were open and pay the escrow shortage if I wished. I called the following afternoon and paid the {$700.00} in full and asked if we were being reported late to any credit bureaus and were we being charged late charges. She stated that there were no late charges as this was obviously an error and that if we were reported late that 5th 3rd would fix that for us. I said I would call when we returned to the states on XXXX XXXX and make sure everything was taken care of. I called on the XXXX and was told that they never made our XXXX payment, but she would fix that and make sure everything was paid correctly. I inquired again in regards to late fees or any 30 day late being reported to the credit bureaus and she said " This call is being recorded and if we reported you late to the credit bureaus we will fix it for you. '' She assured me that everything would be fine, but I should follow up on Friday XXXX XXXX just to make sure. I called again on XXXX XXXX and spoke to XXXX in the mortgage deparment. She let us know that payments were all made in full and that the escrow payment had been received. I also asked about late fees and credit reporting of any late payment and she stated that they would not fix the credit bureau and if I wanted to talk with a supervisor she would connect me. I did request to talk with a supervisor and I was put on hold. She came back several minutes later and said her supervisor XXXX was in a meeting and that he would call me back within 48 business hours. XXXX did not call us back. I called back today XXXX XXXX and spoke with XXXX. She stated that no late charges were levied against us and that would be the only thing that would prompt them to report to a credit bureau and that since were were n't charged any late fees that it was highly unlikely we were showing 30 days late. I informed her that we have a credit monitoring service and I would check. I did check and it was showing us 30 days late with XXXX, XXXX and XXXX. I called her back and she stated that she would submit a request to fix the credit reporting error, but that we would have to wait 7 business days with no guarantees that they would fix it, but that she would put in the request. I asked again why they stated that they would fix it two other times and she had no answer. Again, no phone calls were ever left for us in order to correct the situation and we were not receiving mail in XXXX. Also, the letter we received in regards to the escrow shortage was dated XXXX/XXXX/16, but the envelope had a stamp date of XXXX XXXX, 2016. It does n't appear that it was lost in the mail, but rather not mailed out until XXXX. Please let me know what we need to do in order to correct our credit bureaus and restore our unblemished credit score. Thank you.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-08

Balance transfer fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-05

Ridley Park, PA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX is my last name my loan is under XXXX they have sent me paperwork wit XXXX ... I was never able to get that resolved my loan number is XXXX XXXX I have three payment left on a 5 yrs automobile loan I made a payment on line some how they did not receive the payment via internet I received a call that I was late and would I like to make a payment I told them that I had and the gentleman told that they did not have one on record ... I offered a credit card and figured I could figure this out with my bank ... this was the 2nd occurrence with this bank I get a call the next day from a toll free number stating it was the bank I wanted to get the issue fixed so not to ding my credit I got a recording from from this toll free number stating all the customer service representative were bus and to call back btn and it gave hours of operatation ... another customer service rep called and told me I owed $ XXXX to my loan ... I asked what he was looking at and he told me that was for XXXX and XXXX I told him i only wanted to make the {$380.00} at this time that I had a commission check coming in and would pay the whole loan off in early XXXX ... I had two subsequent calls after that stating that the money was returned to my bank ... so back to my bank I went to find out they took the $ XXXX out of my bank and there was not funds for them to take the $ XXXX I called back requested a manger one to pay the loan get the late fees reverted and to pay my banks fees ( the women I spoke to told me to get a letter of the fees from my bank ) I was told that my account was going to XXXX a manager and I would be taken care of to this point I have a letter from my bank I have a call from thier toll free number but no one on their side would answer when I said hello..to call into the bank it is a night mare to get any one I went to their governance page and asked for a couple of those individual on the page I was told by customer service that they could not offer me that information Oh so I TRIED TO MAKE A PAYMENT THIS MORNING on the internet and coud not make the {$39000.00} was told to call customer service and so far XXXX has been over 45 minutes to get someone to talk to ... I was told they would review the recorded conversation and get back with me that never happened i just want the fees reverted ... letter that they did not mess with my credit score and loan paid off there are so many layers to this bank you can not reach someone who will run with issue
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-05

MI

Deposits and withdrawals

Bank account or service: Checking account

Complaint: on XXXX/XXXX/2015, My bank at that time, Fifth Third of XXXX XXXX Ohio accepted a fraudulent check that they knew was fraudulent because it was flagged immediately and cashed by someone using my identity in another state. On that date. I immediately went to my Fifth Third branch and told them that they should not accept any check and to verify the signature before releasing any funds. I WAS VERY SPECIFIC IN THAT I TOLD THEM TO NOT TO RELEASE ANY OF MY FUNDS AT ALL WITHOUT MY EXPRESS APPROVAL IN PERSON. They already knew it was a fraudulent check, but cashed it anyway, as they had called me into the branch. They claimed that I had authorized release of funds from this person in another state and accused me of money laundering and that they were closing my account and not giving me my money back, which was well over {$2700.00}. Even though I had been a customer for over 14 years ; They cleared me of wrong doing, they refused to give me any funds back and refused to do business with me. I had insurance specifically for this through the bank. No signature verification was done, and I also had daily limits on my ATM withdrawals prior to this- so this had to have been done by a teller. I asked them to call the police or the FBI, which they refused to do. I told them that I intended to do so, and they threatened my, telling me that the burden of proof would show that it was my fault, and that I would go to jail.
Company Response: Closed with explanation

Disputed: No Timely Response