FIFTH THIRD FINANCIAL CORPORATION

2016-05-09

Charlotte, NC

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-09

Sanders, KY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-09

Kansas City, KS

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: The second mortgage held by Fifth Third Bank was discharged in bankruptcy in XX/XX/XXXX, and was not reaffirmed. We have no personal liability for the debt. We have been unable to make payments toward the debt from XX/XX/XXXX through the present. Our home appraises with negative equity, it 's " upside down. '' We have recently had the opportunity to borrow a small amount of money from family and friends to attempt to release the lien on the property. We have offered a lump sum payment to Fifth Third Bank on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, as well as several times in XX/XX/XXXX, including today, XXXX XXXX, XXXX. Fifth Third Bank has been belligerent to us repeatedly regarding the same, and has refused to negotiate with us in good faith. They have stated that they want the full unpaid principal balance paid. We have provided documentation to show financial hardship and a willingness to pay to release the lien, and they refuse to cooperate.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-09

Chicago, IL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: My account was closed after a check for {$100.00} did not clear. It was not presented a second time. When an attempt was made to take care of the overdraft using a second account ( business account ) at the same bank, I was informed they were closed. I had also received a letter from the bank telling me to not do anything further on the accounts. At which time I did not. On XXXX/XXXX/13 Fifth Third bank recklessly reported " suspected fraud '' but gave me no indication this would be taking place. I was previously working with the rep " XXXX '' in their fraud department who asked for a copy of the letter stating not to take any actions on the accounts in question. This document was supplied and I have had no contact with Fifth Third or it 's representitives since then and the remark is still listed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-07

Taft, OH

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-05

East Orange, NJ

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Calumet Park, IL

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-04

Edgewood, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Bloomington, MN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Monday, XXXX XXXX, my car was repossessed from the parking lot at work. I pay my loan through Fifth Third Bank, and have made regular monthly payments ( plus extra ) for the agreed amount when I purchased it. According to the bank, I did not have full coverage insurance ( which I did. They had my policy number on file when i called to investigate. ) they then said they had sent me letters, but they had miss-typed my address by XXXX digit, so i did not receive any notice. In XXXX, 2015, I was made aware of the insurance issue, told them that there must have been a misunderstanding and had the declaration page faxed to them and also XXXX to my work ( which I still have on file ) I faxed over the same information on XXXX XXXX. The insurance branch reversed the charges accumulated, but collections still demands i pay all of it including : {$1200.00} for what i supposedly owe, {$89.00} for late fees, {$560.00} for the repossession fee, and any extra fees for me to release the car from the lot. There are several complaints similar to this XXXX on the internet that i have read in regards to Fifth Third Bank. I have personal property in my car. I do n't know how or why things have gone to this seeing as how i have made my payments every month. I do n't know how I will keep my job that is XXXX miles away. And I also do n't know if I will continue to be charged after my car may be sold off. Please help if you can.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Ft Myers, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Fifth Third Bank claims I opened an account with them and when I asked for validation of this debt all they send me is statements. Any one can create statements and put anyone 's name and address on them. I have already had this account thrown out of court because the courts did n't recognize only statements as proof of ownership of an account. Fifth Third at that time could not provide a signed authorization from me to open an account, for the courts. Fifth Third says they have sold this fraudulent debt and therefore will not remove from my credit report, but the debt they say they sold is not mine in the first place and they wo n't provide me with the loan authorization that I would have to have signed if I indeed opened this account. I want this debt cleared off my credit from all parties, Fifth Third bank and any and all collection agencies they may have sold this fraudulent account to. XXXX XXXX from this company refused to give me the account number and was very rude to me on the phone.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-04

Wichita, KS

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-03

Chicago, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-03

IA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Vehicle loan with Fifth Third Bank. I suffered a financial hardship and did a voluntary repossession of the vehicle. Fifth Third Bank sold the vehicle at auction. We then received multiple statements showing our balance was zero. Fifth Third Bank is now trying to collect {$4600.00}. We have disputed multiple times. Not I received notice from XXXX credit that the bank has filed a suit or judgement. XXXX/XXXX/2016 XXXX - Suit or Judgment New Suit or Judgment information has been added to or changed on your credit file.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-03

Naples, FL

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Complaint: We applied for a Home Equity Line of Credit with Fifth Third bank XX/XX/XXXX. On XXXX XXXX, XXXX we were advised by the Fifth Third, XXXX Branch Manager, that the application was in a holding pattern, but we had " conditional approval ''. We then verified, via e-mails with the Branch Manager on XXXX XXXX & XXXX, that once our XXXX property closed and we provided the closing statement, only a clean title search and property appraisal for our XXXX home was needed to close the loan. Our XXXX property closed on XXXX XXXX, XXXX. The appraisal on our XXXX property was completed on XXXX XXXX, XXXX. Then, in XXXX, XXXX we learned that Fifth Third actually wanted us to use the new line to pay off credit card vendors, thus insuring that Fifth Third bank would receive interest payments. This is when we also learned that our business and personal income had been understated because underwriting discounted a substantial amount of our income. Why after we were given conditional approval based on the sale of our XXXX property would underwriting now change the rules of the game by requiring us to immediately start using the line of credit and then inform us they inflated our debt to income ratio by discounting income? This process has taken way too long and we would like to move on. We have requested written notification from Fifth Third bank as to whether we are approved or not approved for their HELOC based on the information provided to them as late as XXXX XXXX, XXXX. We are not willing to provide additional information if they are going to arbitrarily discount income. If Fifth Third is willing to accept all income, we can provide documentation for a business car loan. In addition, we would like to better understand why a bank would require a consumer to immediately use a line of credit rather than offer us a lower line of credit? Fifth Third bank was going to require us to pay credit card vendors that they named rather than simply advise us that our debt needed to be reduced by {$30000.00}. Of course, we later found out that our debt to income ratio was inflated because our income was being deflated. We have excellent credit and simply wanted to acquire this line of credit while we were still in good health and able to work. This process has been stressful for no good reason and no one at Fifth Third bank will give us answers that make any sense. We are still waiting for written notification on the status of our loan as of XXXX XXXX, XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-02

Lyndora, PA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-02

Nashville, TN

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-02

Goodison, MI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-29

Chicago, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-29

Fern Creek, KY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-29

Hampton, VA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: Never once missed/been late on a mortgage payment. I contact 5/3 Mortgage ( my mortgage lender ) notifying them of a job transition that was going to leave me without a paycheck for about 5 weeks. I asked for a two week extension on my mortgage, of which they said that would not be a problem. My mortgage was promptly paid two weeks later. After that two week extension I have remained current on my mortgage like I always have. Turns out - they reported me to all XXXX credit bureaus as delinquent. I called and asked for a request for correction, to which 5/3 issued a denial letter stating that it was reported accurately. My attempt to speak with a human in the Mortgage Dispute department have been violently sequestered, providing me only with a fax number. My new job is in a new city - now with this on my credit I ca n't qualify for a loan on the house we have been looking at.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-28

Charlotte, NC

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-28

Chicago, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-28

Quartzsite, AZ

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I recently pulled my credit report on XXXX/XXXX/XXXX because my mortgage lenders told me there was a couple of negative items. Looks like the Barclays Bank and Fifth Third bank are reporting late payments on XXXX XXXX for XXXX and XXXX XXXX for fifth third bank. I submit a request for a goodwill adjustment to remove nagative payments from my reporting. However after making my submission, I received my results back from the dispute, and now the report is looking even more negative which in not correct. The report now is showing XXXX, XXXX, XXXX of XXXX and XXXX XXXX as late payments for fifth third bank. That information is not correct and affecting me greatly. Please review again. I am currently in the progress in buying a home. I ask again please correct my report as it showed on XXXX/XXXX/XXXX and if you may consider to removing the negative reporting of my XXXX XXXX XXXX payment and fifth third bank Payments please. At time of the late payment, I dealing with a number of things, my son got sick and my partner lost his job. I been a great consumer and always make payments, if you continue to review my report I am never late on any other creditors. The attachment I included shows my original reports. Please review.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-28

Indianapolis, IN

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-28

Lexington, KY

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response