FIFTH THIRD FINANCIAL CORPORATION

2019-08-03

Southgate, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-08-02

Stanford, KY

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Closed with explanation

Timely Response

2019-08-02

Davie, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-08-02

Thompsons Station, TN

Closing on a mortgage

Mortgage: Other type of mortgage

Company Response: Closed with non-monetary relief

Timely Response

2019-08-02

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Closed with monetary relief

Timely Response

2019-08-01

Columbus, OH

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Fifth third bank kept my funds and allowed fraudulent activity to go on into in my account. My credit card payment was negatively impacted due to fifth thirds negligence which impacted my credit score dramatically. Fifth third bank agreed to release my funds several times via telephone. Then refused at the last minute. Causing financial burden fifth third bank did not close my savings and checking accounts when I demanded due to fraudulent activity.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-01

Spring Hill, FL

Unauthorized transactions or other transaction problem

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: First I noticed that my cell phone does not work anymore so I called XXXX to find out that my cell phone number got transferred to XXXX without my approval. when I tried to open my e-mail account someone has changed my password which I tried to reset so many times.I called Fifth Third Bank to let them know about this suspicious activities to find out that my account got hacked. Someone transferred {$2000.00} from my 5/3 bank credit card to my 5/3 checking account and then the money was sent to someone's XXXX account without my authorization.
Company Response: Closed with monetary relief

Timely Response

2019-08-01

Swampscott, MA

Problem when making payments

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2019-07-31

OH

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: Fifth & Third Bank which whom has my mortgage isn't reporting payment history nor current payments that is applied to the account isn't inquiring to the 3 major credit bureau XXXX,.XXXX, XXXX. Need your help please to resolve this issues.
Company Response: Closed with explanation

Timely Response

2019-07-31

Gastonia, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-31

Cincinnati, OH

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2019-07-31

Gary, IN

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-07-31

Peebles, OH

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-07-30

Knoxville, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Years ago, I closed my checkings and saving account with 5/3rd Bank and thought nothing more of it. Approximately 3 years later, in XXXX, I received a call from a collections agency, XXXX XXXX XXXX XXXX XXXX, that informed me of a debt I had unknowingly incurred after a payment posted to my aforementioned checking account that was closed. After calling 5/3rd and learning that both the debt was legitimate and that it had been sold to a debt collections agency after 5/3rd lost contact with me ( my phone number had changed ). On XX/XX/XXXX I settled with XXXX XXXX XXXX, XXXX for the amount of {$380.00} and obtained documentation proving as much. In subsequent years I would occasionally receive calls from other collection agencies inquiring about my 5/3rd debt, to which I would then showcase my settlement letter and they would go away. Fast forward to last month ( XX/XX/XXXX ). I got another call from a collector, name unknown to this day, who, as usual, threatened me with a subpoena. I then went through my usual routine of providing them with my settlement letter, having been given an email address to send documents to : XXXX. This email address didnt work, having received a " return to sender '' email, so I called them back. They gave me a different but similar email address : XXXX. I tried that and got the same " return to sender '' email even after calling back AGAIN and them issuing me the same email address. After further investigation, I noticed that in the first email, I had spelled satisfaction incorrectly in the address. So, in theory, that explains that however, I called and stated that I couldn't get an email to go through to them and the person I talked to stated that if I emailed again they would take me to court for harassment. I responded by inquiring how they got my emails if I had gotten three separate " return to sender '' email for every address they had given me. He denied having the problem so I asked whether there were any attachments to said emails, to which he replied " yes '' and that the processing dept would review them and I would hear back in a week. A month elapses and I hear nothing. Having been told I would hear back in follow up but never did, I decided to call to check on the status. Calling the phone number that first called me, XXXX XXXX XXXX XXXX, I was told that the status of my account was " Refusal to Pay '' and that the company in question was in the process of drafting a subpoena for me. This was confusing as I had shown the company my settlement letter that had been accepted by at least ten other collections agencies, until this one.I stated as much over the phone. At this point I don't know what to do and I fear that a serious scammer has my information.
Company Response: Closed with explanation

Timely Response

2019-07-30

Bremen, GA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: On XXXX at XXXX XXXX I called 5/3rd customer service number to discuss inaccuracies on my credit report. I spoke to a wonderful agent rep named XXXX her employee number is XXXX. I informed XXXX that I was reviewing my credit report and I saw some inaccurate info on my credit profile and I was calling to hopefully get a resolution. I informed her that I originally fell behind because my statement always came late. I told her I called in the past ( XXXX ) to get the fees removed because I could not afford the minimum with the late fees and other penalties. I called 5/3 several times and MULTIPLE agents told me that they could not help because my account was not delinquent enough. She agreed that was there business rule. I confirmed my current address ( XXXX XXXX XXXX XXXX, XXXX GA XXXX ) and she said that was the address on file. I advised her to look at my statements and she confirmed that the address on the statement was my previous address of XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX said she would have to do some digging about to why my statements have the wrong address. XXXX also saw that a change of address was submitted on XX/XX/XXXX. I moved to that address on XX/XX/XXXX. I sent enrolled this account to XXXX XXXX in XX/XX/XXXX and she confirmed that 5/3rd set me up for credit consulting in their system on XX/XX/XXXX. I informed her that I simply want all they negative remarks removed from my account. Today on XXXX XXXX returned called back to provide me an update and she said that she 5/3rd would not update the remarks on my Credit File because statements are not required they are a " courtesy ''. I informed her that according to the Fair credit act you are suppose to get a statement. She said 5/3 said no, it a courtesy. She encouraged me to dispute if I feel that 5/3rd is not reporting correctly. I still have late marks from late last year after I was approved for the program. They are not reporting correctly.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-30

Problem with a purchase or transfer

Credit card or prepaid card: Payroll card

Card company isn't resolving a dispute about a purchase or transfer
Company Response: Closed with non-monetary relief

Timely Response

2019-07-29

Chicago, IL

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: Fifth third bank has been charging me fees with my checking account. They were charging me {$15.00} dollars a month. When I opened the account I was not informed that their was a monthly balance.I also read the terms for the offer and it does not have a minimum balance requirement ( see below ) I also went to the branch today with my paperwork demonstrating I was a student. The account was changed to a free checking account. The employee kept telling me that I should have been able to open a student account. Fifth Third has been given me a problem with honoring the {$250.00} credit that I was suppose to be given. Today I was informed that a manager would listen to the call to see if im eligible for the credit. I have reported 53rd to the XXXX but have not heard from them. I have attached my enrollment agreement. My school was XXXX but it then became XXXX XXXX XXXX XXXX. So I should have never been charged fees because if your a student then you dont have to pay fees. That would also keep my balance at {$500.00} for the 60 days. I also think that if 53rd is going to be giving its customers a problem to issue the credit that they should stop offering it. What their doing is misrepresentation and misleading to customers To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, or Free ( where available ) checking account by XX/XX/XXXX, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. 3 Your {$250.00} bonus will be deposited to this account within 10 business days of completing qualifying activity requirements. Download the App XXXX XXXX XXXX XXXX XXXX {$250.00} Cash Bonus Offer To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/XXXX, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements. In order to receive the cash bonus, your checking account must be open and in good standing. Offer is not available to existing Fifth Third checking customers or to those with a Fifth Third Checking account that has been closed within the last 12 months. Bank reserves the right to limit each customer to one new account-related gift incentive per calendar year. Account must be funded within 45 days of opening. No minimum deposit required to open a checking account. Checking accounts may have fees that may reduce earnings and impact ability to meet minimum daily balance requirements. Bonus may be taxable as interest income and reported on IRS Form 1099-INT. Consult your tax adviser. See your banker for details. Not valid with any other offer. Enhanced Checking is an interest-bearing checking account and all balances earn 0.01 % Annual Percentage Yield ( APY ). Preferred Checking is an interest-bearing checking account and all balances earn 0.10 % APY. APYs are accurate as of XX/XX/XXXX and are subject to change at any time. Fifth Third Bank, Member FDIC. Email Security Information Email Privacy | Customer Service This email was intended for : XXXX Security and confidentiality of your personal information is one of our highest priorities. We will never request that you provide, update or verify via email your personal or account information, including passwords, Social Security Number and PIN ( s ). If you receive such an email request, please email us at XXXX immediately.
Company Response: Closed with monetary relief

Timely Response

2019-07-29

Lewisville, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Deed of Trust ( Page 5, Funds for Escrow Items ) nowhere mentions that Original LTV ( not LTV ) must me < 80 % for closing escrow account ( attaching FYI ). My property LTV < 80 % : -as per XXXX county appraisal ( for 2019 Property tax ) - Mortgage appraisal done by you for which I paid out of pocket The purpose of paying {$600.00} for mortgage company 's appraisal recently was to get away from escrow account, so I can pay single payment for my property taxes every year. You are contradicting your own letter where you were telling that escrow account can be closed if LTV < 80 % ( not original LTV, attached 53LTVLetter document FYI ). If your argument of original LTV ( not LTV ) < 80 % for closing escrow account is correct, please provide me document evidence i.e copy of escrow account disclosure. I requested for a copy of my escrow account disclosure that I signed or initialed at time of closing however even after 3 months I haven't received it neither my escrow account closed. As a customer I tried to reach them multiple times ( even tried to reach XXXX XXXX who's working on this case since 3 months ) and requested for escrow account disclosure but they never sent me a copy. Thanks, XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-29

Oswego, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-29

Lincoln, CA

Trouble using the card

Credit card or prepaid card: Payroll card

Problem with direct deposit
Company Response: Closed with explanation

Timely Response

2019-07-29

Lexington, KY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2019-07-29

Evansville, IN

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with monetary relief

Timely Response

2019-07-26

Fort Myers, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with explanation

Timely Response

2019-07-26

Harsens Is, MI

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Closed with non-monetary relief

Timely Response

2019-07-26

Mount Holly, OH

Trouble during payment process

Mortgage: FHA mortgage

Complaint: My wife and I refinanced our home in XX/XX/XXXX with XXXX XXXXXXXX XXXX ; MB Bank bought the mortgage and 5th/3rd Bank merged with MB Bank. We were monitoring when we would have the mortgage insurance removed for years. MB Bank told us it would be removed in XX/XX/XXXX. A few months before this date 5th/3rd Bank sent us information telling us they were the new mortgage holder. We contacted 5th/3rd to have the PMI ( mortgage Insurance ) removed by XX/XX/XXXX and continued paying the same premium, as we were told by 5th/3rd Bank, to not cause a default. We were told the excess money of approximately {$63.00} would be returned. We spoke again and were told they would get this information right in and we would hear something in writing in 10 days. After paying XX/XX/XXXX 's premium we contacted 5th/3rd Bank again and were told it was denied because we had to have a loan equity ratio of 78 % and our ratio was 78.5 %. We spoke with a supervisor that told us this was based on an appraisal of {$170000.00} made in XX/XX/XXXX, and that no new appraisals are being accepted. I had an appraisal today XX/XX/XXXX of {$190000.00}. This appraisal was done without them knowing about the new roof in XX/XX/XXXX, total remodeled bathroom and granite countertops in the kitchen. If I put my house up for sale I would ask {$190000.00}. The numbers are ambiguous, its not right and the PMI should be removed. I have inclosed the original closing document showing the mortgage insurance of {$74.00}
Company Response: Closed with explanation

Timely Response