FIFTH THIRD FINANCIAL CORPORATION

2016-06-23

Dellslow, WV

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-23

Douglas, MI

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Today on XXXX/XXXX/2016 I had a pending payment to State of Michigan coming out of my access checking through 5/3 for {$130.00}. I woke up at XXXX to see if the payment was taken out. i noticed the available balance was short. there was not {$130.00} in the account. i seen a monthly service charge for XXXX in the checking account. I am on XXXX. I get {$730.00} a month. I have banked with 5/3 since they were XXXX. i was XXXX years old. i am XXXX. I called immediately to the corporate office number at XXXX. the rep told me that my Access checking was switched to Essential checking for XXXX and there is a low balance fee of {$8.00} every month if i do n't maintain a balance of {$1500.00}. I asked when and why it switched to an Essential from the Access. the rep told me that they got rid of the Access checking in XXXX of last year a letter was mailed to me notifying me. I never got a letter and asked to speak to her supervisor. XXXX got on the phone. I asked for a copy of that notice. she said she could not produce that. she put me on hold for about 15 minutes. she stated that the notice was a pop up inside the online banking portal. she said if i did not click the terms and agreements to keep my old account it would automatically switched to the the Essential checking. I did not click those terms or agreements so on XXXX XXXX it made the change over from Access Checking with no low balance or fees to the new account Essential checking which does have fees. it was not revocable. there was nothing i could do about it. I told her i cant ever make a low balance of {$1500.00}. I was just in the bank on XXXX XXXX. I was told my Access account was grandfathered in and had an early access account tied to it. I asked to speak to XXXX supervisor. he told me that the pop up ad was a one time thing. then it disappears if i click off it. I kept asking when did it apppear? what was the time frame? how long did have to click it. can you give me a date that it was supposed to be popping up? again he said one day. one time. if i did not accept the terms and agreements to KEEP my Access Account it would change. i never seeen that pop up, therefore, it made the changes and switched to this {$1500.00} low balance Essential Account. IM VERY UPSET. i feel this is trickery. if they are going send terms and offers because they are switching my account it should be a legal document in writing to sign not a pop up ad for one time. if i was supposed to have an acceptance or lack of acceptance to their new checking I should have been able to read the offer and then sign or not sign it instead of just forcing this new account on me with out my knowledge and taking my money. I am meticulous with each XXXX. because they charged me {$8.00} i was short on my license payment that was supposed to be taken out today which means i defaulted on my license payments with the state of Michigan all because they say they sent me an offer that i did not refuse in a pop up ad. BAD BANKING BUSINESS by 5/3. not a legal contract for a tort. you have XXXX terms. offer, acceptance, consideration, and agreement. i feel they breached each of these and there was no meeting of the minds so i want my Access account back and they had NO LEGAL right to switch my Access Account.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-22

Ashville, OH

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: I refinanced my Fifth Third Home Equity Line of Credit that I had with XXXX XXXX XXXX. The check given to Fifth Third by XXXX was {$520.00} more than what was owed. My husband went into the Fifth Third branch on XXXX, Ohio on XXXX XXXX to request the funds. He was told that it would take 10 business days. Well, 10 business days later and now I 'm being told by XXXX XXXX in Fifth Third Customer Service that it will be 5 MORE business days. I would like my money + interest. It 's funny that Fifth Third can process money out of my account in 2 seconds, but it takes them 15 business days to return my money?? I have closed my mortgage and savings accounts. I would like to close all of my Fifth Third accounts if they would give me my money back! I have never dealt with such poor customer service in all my life!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

Lena, OH

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Hello, I 've been banking with Fifth Third for most of my adult life. It 's been a tumultuous relationship at best, but I 've always stayed because I had automatic deposits and withdrawals setup. On Saturday, I made a deposit to my checking account via a check that I had received. I very rarely deal with checks anymore because so many things have become automated and/or done on the internet. The check was from XXXX refunding me fees erroneously collected when I had my mortgage setup on the equity accelerator program. The deposit ticket clearly stated the funds would post to my account on XXXX. According to the transaction history in my bank account the funds did clear and post on the XXXX. Today when I went to check my balance I noticed an overdraft fee for {$74.00} dated XXXX which was causing my account to have a negative balance. I immediately called 5/3rd and spoke to a bank teller named XXXX who became exasperated with me and transferred me to XXXX the bank manager. He blamed the problem on me and intimated that I should have known better since I went to the bank on a Saturday. Most banks do n't have full hours like 5/3rd does on weekends. They wo n't refund the fee and they ca n't explain why my transactional history does n't jive with what they are telling me verbally. I 'm very upset. 5/3rd has continuously made money from fees by pyramiding or assessing overdraft charges when I 've had money in my account pending or otherwise.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-22

Ashville, OH

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Winder, GA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Hemby, NC

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Maumee, OH

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-20

Sanders, KY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-20

Austin, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-20

Randolph, MN

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX XXXX, XXXX I received an XXXX in the mail. Upon checking my bank account, I found XXXX fraudulent charges- XXXX from the XXXX placed XXXX/XXXX/XXXX and XXXX from XXXX XXXX placed XXXX/XXXX/XXXX. I called Fifth Third Bank and reported the fraudulent activity. They closed the card and I received a provisional credit for the purchases on XXXX/XXXX/XXXX. I was told that the investigators would be contacting me soon and that I should ask them what to do with the phone that I had received. I was never contacted by the bank. On XXXX XXXX, XXXX, I received a letter from the bank stating that the merchant in charge had verified that the charges were valid and that they had already debited my account for the total {$1600.00}. They also said that I had the right to request documentation used in their investigation. On XXXX XXXX, XXXX, I faxed a letter to Fifth Third requesting the documentation and stating that I would be appealing the resolution and actually received the documentation in the mail on XXXX XXXX, XXXX. As a result of the receipt of the documentation, I called XXXX on XXXX XXXX, XXXX and spoke with XXXX. He took my concern to the fraud escalation team who issued return and refund labels for the phone. We also identified that the email address associated with " my '' account at XXXX, was not, in fact, my email address. On XXXX XXXX, I spoke with XXXX again and he confirmed that once they received the phone, they would work with the bank to make sure that the refund would be applied to my account. I sent the phone back to XXXX through XXXX on XXXX XXXX, XXXX. According to XXXX they received the phone on XXXX XXXX, XXXX and my refund was processed and cleared XXXX on XXXX XXXX, XXXX. I also filed a fraud alert on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I called Fifth Third to check on the refund, which had not posted to my account. I was told that they had no record of the refund but that I could send a rebuttal letter to Fifth Third detailing my complaint and they would look into it my complaint. On XXXX XXXX, XXXX I also filed a police report concerning the fraud, contacted my local Fifth Third branch and spoke with XXXX regarding the account number and filed an Identity Theft Affidavit with the FTC. I also called XXXX and spoke with XXXX, however, he told me that he could only work with my bank to address the issues. On XXXX XXXX, XXXX Fifth Third received a rebuttal letter from me, I sent it with tracking and signature of receipt, stating that I was disputing the charges base on the email addresses, ip addresses and missing documentation from XXXX which supposedly confirms proof of purchase and proof of delivery but which were not included in the documentation that I received from the bank. I also requested that the bank look into the missing refund from XXXX. I never received any communication from Fifth Third following this letter. On XXXX XXXX, XXXX, I contacted XXXX and talked to XXXX and received a web order number that could be used to track the refund and again confirmed that it had cleared the bank on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I faxed a copy of the letter that was received on XXXX XXXX, XXXX and more strongly stated my needs from the bank. I have never received any communication from Fifth Third regarding this communication. I am very frustrated by the lack of communication regarding my case and would like resolution to this matter.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-16

Heritage Creek, KY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-16

Staten Island, NY

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-16

Somerset, KY

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: This loan originated in 1987 and was originally with Fifth Third Bank. It was sold to another company and was PAID OFF AS AGREED. Actually, the loan was overpaid by XXXX payment which resulted in a refund of the last payment. I do not remember the name of the company that bought the loan, but they sold it to another company as a receivable loan, which was fraudulent. I have had several collection companies trying to collect this loan throughout the past 25 years and is fraudulent. Apparently each of the companies that bought the loan kept reselling it as a receivable.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-15

Chicago, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-15

Concord Twp, OH

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-15

Lewiston, NY

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: So my car was repossessed from Fifth Third Bank. They said I need to pay {$660.00} because of a late payment in XXXX 2016. I look back and that was when I had a deferment because my husband was out of work. They told me to fill out a letter and send it in. I have proof that I sent the email in and signed it. They told me there would be an extra monthly payment added on to the loan. Now XXXX XXXX, 2016 my car was repossessed and I had no idea why my car payment was sent through mail a little over a week before ( because they said I am not eligible for the online payment ). I called confused and they said once your payments go through then we can give you the release form. Then my husband called and they said we owed XXXX in repossession fees ( including the 2 payments of XXXX on there way ) I was confused to why it was that much when my car payments are {$280.00} per month and {$290.00} when they are late. So I called again to try and understand where this money came from and they said it was from XX/XX/XXXX when we missed a payment. That 's when I explained that was our month of deferment. She then tells me it was n't approved. I explained how I would be told if there were any problems with the deferment process that she would contact me. The representative then told me we were contacted multiple times and left voicemails. I then asked what phone number they have been calling and she gives me numbers that do n't even have the same area code as me. I know they have my phone number and my husband 's on file because that is how I verified my account. On top of that they have my mailing address. She then puts me on hold so she can talk to her supervisor. They are now giving me a deferment for XX/XX/XXXX and adding repo fees to XX/XX/XXXX and XX/XX/XXXX but I still have to XXXX XXXX the {$660.00}. I just feel like I should n't even be in this position right now.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-15

Mount Holly, OH

False statements or representation

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

Impersonated an attorney or official
Complaint: On XXXX XXXX, 2016 I received a phone call on my cell phone from an unknown number. The woman said her name was XXXX XXXX and that she was representing XXXX. She said that she had mailed out documentation to me that I had a complaint pending out of XXXX County. Told me that her time was limited and that i had not responded to the documentation. She knew where I worked. Said that she was going to call the payroll department to take care of the debt. I called back. She informed me that the debt was from the bank I had been with several years ago. That I owed {$990.00} to them and that if I did not pay the debt, that I would no longer be allowed to hold a bank account for the next ten years. Red Flags should have been : 1. I banked with this bank out of XXXX County, not XXXX County 2. This bank actually issued me a check in that amount over 2 years ago, stating that it was for unnecessary fines. 3. They never sent me paper work stating that the funds would be removed from my account. Any debt collector sends a statement to you to let you know that the funds will be taken out so that you make sure that funds are in the account. I questioned it, but honestly, at the time I was in a stressful point in my life and she was scaring me that my bank account would be shut down. She knew my social security number, where I worked, where I lived ... So I gave her my debit card number and set up 3 recurring payments. The first one came out on XXXX XXXX, 2016 for {$320.00}. The second was posted to my account on XXXX XXXX, 2016 for {$320.00}. This morning I got paid and was working on bills. I wanted to call this company to see if I could split this last payment in half between XXXX paychecks. i looked up the company online and WOW! There are scam alerts out for this company. XXXX XXXX name was even listed as having called another person. I looked at my bank account to see if it had been debited yet, and drove up to my bank to try to stop the payment. I explained everything to them and tried to put a stop payment on the debit. Just that quick, they had already put the transaction through. I cancelled my debit card and filed a dispute against them with my bank. They are not sure if this final payment will take or not since I cancelled the debit card associated with it. I have to check back again tomorrow. I am not a rich person but I am not a dumb person either. It concerns me that they have all of this information about me. I have seen a few Blog scam alerts online. People discussing it, having the same issues, saying they need to file a complaint. I 'm not sure that any of them have, so I wanted to make sure someone knew about this group.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-15

Lewiston, NY

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have a car loan with Fifth Third Bank and they do n't allow you to make payments online so I have to mail by check. I will send the mail a week before it was due and they wo n't cash it till 2 weeks later. Well this month I missed one payment and they repossessed my car. And I already sent the payment that I missed and the current one this month. They now want to charge me XXXX in repo fees and the XXXX payments will go towards that and I will still owe my payment for this month on top of the towing and storage fees. I just do n't understand how the repo fees are this much when my late monthly payment is XXXX. I hear a lot of the same problems with people having their car repossessed when they made payments they just posted them late. And when I called them they did n't tell me about the repo fees and were fine with me paying the payment that was late and the current payment then when my husband called they said we owed XXXX. On top of that they did n't contact us at all and they said they sent a letter in the mail but we never gotten it. If we knew this was happening we would have done expedite shipping right away
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-14

Clinton Township, MI

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-14

Evansville, IN

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-14

Castle Point, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-06-14

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Detroit, MI

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Hanover, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response