FIFTH THIRD FINANCIAL CORPORATION

2016-04-27

Columbus, OH

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Complaint: I was originally contact by a blocked number on XXXX/XXXX/16 who advised me I was being summons and to give them my updated address when I refused he advised I needed to call XXXX XXXX law firm, to discuss matter. When I called I spoke with " XXXX '' who stated I owed XXXX for a 5/3 account that originally had a balance of XXXX but he is asking for XXXX. When I asked for more information on who they were he immediately got rude with me. He stated I 'm not a collection agent I 'm a lawyer. He never provided me the attempt to collect a date verbiage. At this point I was fearful and under extreme duress. He stated this is a criminal offense and if you do n't pay today we will see you in court!. At this point I begin to feel threatened and uncomfortable with the situation. He than told me to find some resources and call him at his personal line which was XXXX. After I got off the line with him I contacted 5/3 bank who stated they had no clue who this company was but advised me the debt was only XXXX and was sold to another company .. I also pulled my credit, and I noticed that my credit was pulled on XXXX/XXXX/2016 by them. After making numerous calls to different companies I received XXXX voicemails today from this said XXXX at XXXX legal again harassing me saying he is the only person that can help. As I m typing this complain I received a call from XXXX XXXX XXXX, CA someone who stated that again this is a criminal offense because of the amount and that the charges would be dropped if I pay XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-25

VA

Billing disputes

Credit card:

Complaint: The original charges of {$90.00} and {$41.00} were charged by XXXX for monitoring. In XX/XX/XXXX I had contacted the XXXX in Arizona to complain about a new security alarm system not working and not being able to make contact for technical service. They have not responded to XXXX. Therefore, XX/XX/XXXX I called the dispute dept. at 53 Bank to register a dispute against XXXX 's monitoring charges of {$90.00} and {$41.00}. Fifth Third Bank issued late payment and interest charges of XXXX against my account on XX/XX/XXXX after I had called disputing the charges. Debits of {$90.00} and {$41.00} were issued on XX/XX/XXXX but the late payment fee and interest remained on my account. I called again concerning the late payment and interest and the dispute dept. told me that they will remain on my account until the issue was resolved and I would either have to pay or they would be removed after the dispute was settled which would take up to 90 days. I asked them why they did n't remove the late payment and interest charges also because I am receiving collection calls on something I am disputing. They told me not to be concerned that my account was documented on the disputes. I am still receiving numerous calls from collection agent on paying this late fee and interest. I told them that I was not paying for any charges that were not justified. I continue to get collection calls and another late payment charge on a balance that was a late payment charge for items in dispute. When I called today they were wanting to switch me back and forth to explain their procedures. My complaint is on their procedure of not removing the late and interest charges until the disputed matter is resolved. To me they are gouging their customers. It took them almost a month to remove the charges from my account and then they want to charge me excessively for late payments.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-24

Charlotte, NC

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-23

Quartzsite, AZ

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Hello. I 'm currently trying to apply for mortgage loan, during the process my credit report is showing that one of my installment loans with Fifth XXXX Bank is reporting a late payment. I been paying them and never missed a payment with them. Also if you notice In my credit report I have never been late on any of my loans and credit cards. Also I contacted Fifth Third Bank regarding this issue and they have advice me to contact FTC to get it resolved. This is very important that I get this late payment removed, it 's report in all XXXX bareu and affecting my mortgage loan.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-23

Lena, OH

Communication tactics

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

Threatened to take legal action
Complaint: In XX/XX/XXXX I deposited my tax refund into my bank account. They did not tell me I would not have access to all my funds. They only have me {$40.00} of it and I did n't know. It was a XXXX dollar refund approximately. My car was in the shop. I used my card to pay for the repairs. It over drafted my acct {$500.00}. Even though my money was in pending status. Now they are after me for XXXX. I have never received a notice. They are threatening legal action and serving of papers. I tried to work out payment arrangments I can afford but they refuse to work with me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

Barrett Parkway, GA

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-22

Bedford, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I had 2 payments left on my car loan XX/XX/XXXX. I was trying to close my bank account that my automatic payments had been made from for the last 58 months so it had {$0.00} in it. I called Fifth Third Bank ( 53Bank ) to pay off the remainder of my loan over the phone before my automatic payment was made. The loan officer I spoke to me assured me this was possible, took my new account info, and processed the payment. The next day I saw that she had sent the full payment to my closed account so I received an overdraft fee and my own bank 's ( XXXX ) fee. Then, per 53Bank procedure ( which I 'm not sure I ever agreeded to ), my automatic payment went through the same day so I got XXXX more fees ( XXXX from 53Bank and XXXX from my bank ). Again, per 53Bank procedure, they automatically tried my account again for the monthly loan amount and I received XXXX more fees. I called 53Bank again and they told me that loan payoffs can only be made by check ( the original rep said nothing about this ). At this point I elevated my claim to a supervisor who yelled at me and when I elevated the claim above her I got a voicemail. I left a message and never received a call back. At this point I tweeted at the bank and CFPB. The next day a resolution officer - XXXX - reached out on XXXX and we setup a call. He was able to tell me how to pay off my loan and give me his direct line if I had any questions. I mail in a check to the address the claims rep gave me but since I have had automatic payments setup since day 1 of my loan I never knew my account number or had access to my loan " coupons '' that would normally accompany a mailed payment so my check did n't have my account number on it to make it easy for 53Bank 's system and did n't realize this until yesterday. I call XXXX each week I do n't see my check cleared and he never picks up. I leave a message which is never returned. Now, my original payment is about to be 30 day past due and my check still has n't been cashed. So I call customer service. They go into their system to look at every check received since XX/XX/XXXX but do n't find a check of my amount. So they never received my check they help me get setup on the website, try to make a payment, any payment, and the site throws an error to call customer service who I 'm already talking to. So they transfer me to a supervisor who says they ca n't process it because it 's past due so I 'm transferred to claims. They are n't able to process it because of an unknown reason so they transfer me back to customer service. By now I 've been transferred so many times that the call quality is terrible so the lady I end up talking to thinks the line is dead and hangs up. I call again. Again, CS to Claims, to CS then CS supervisor - XXXX. 2 hours later the supervisor talks to IT who says there 's an unknown technical issue preventing any department from taking my payment. I ask XXXX if there is anyway he can send me documentation to prove that 53Bank 's systems are the reason that my payment still ca n't be processed. XXXX says he 's unable to make outside emails nor am I allowed to make a recording of his comments ( 2-party consent and all that ). I also asked every person I spoke to on the phone if they could see all the calls I 've made in the last month or so and they ca n't. There 's no way for the operators to follow my history with this issue. Why is it so hard to pay off a loan? What is hard about taking a check and cashing it?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-21

Bentley, MI

Other fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-21

Orlando, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Beach Park, IL

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Shadle Garland, WA

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Charlotte, NC

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: On XXXX/XXXX/XXXX, I opened a 15 yr boat installment loan, with XXXX XXXX XXXX. Fifth Third bank took over this loan in XX/XX/XXXX. The final installment was due on XXXX/XXXX/XXXX, and was paid. We then received an additional bill for {$5300.00} on this same loan. We have gone to the bank loan officer three times to no avail for an explanation, other than the charge is for additional interest for being late during the course of the loan. Whenever late, we paid a late charge. Fifth third can not explain how they came up with this figure, nor does the original agreement show anything. I just received a new bill, showing a late charge of {$210.00} on top of the {$5300.00}. The bank calls me 3X a day and yet no one will explain these additional charges. I am being harassed, insulted and annoyed. Please help me get this nightmare cleared up.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-20

Mount Dora, FL

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-20

Kosmosdale, KY

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-20

Indianapolis, IN

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-20

Plymouth, FL

Settlement process and costs

Mortgage: VA mortgage

Complaint: My husband and I issued the attached complaint letter to Fifth Third Bank attention Office of the President. We received an apology letter as a response. I do not feel that this is sufficient based on the banks shortcomings in their communication, lack of preparation for the new mortgage guidelines and delays in the closing process. Our closing process was the most stressful situation we have ever experienced and this is admittedly Fifth Thirds fault.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-19

Paramus, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-19

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-04-18

Ocoee, FL

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-18

Thompsons Station, TN

Account opening, closing, or management

Bank account or service: Checking account

Complaint: 5/3 Bank reported fraudulent activity on my account & closed it. They reported the activity to XXXX and now I am unable to open an account. My account was overdrawn by {$89.00} ; however, there was no fraudulent activity on the account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-18

Park City, IL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-18

Charles A Hayes, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-04-17

Oldenburg, IN

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-16

Ballwin, MO

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-15

Louisville, KY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response